Financial Highlights Report
Financial Highlights
2015 FQ3 YTD
9/30/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
2012 FY
12/31/2012
2011 FY
12/31/2011
Balance Sheet ($000)
Total Securities 0 0 0 0 0
Total Net Loans 618,077 609,592 508,484 297,152 142,353
Investments 618,077 609,592 508,484 297,152 142,353
Total Assets 684,059 682,153 570,862 336,479 162,394
Total Debt 170,906 170,238 30,519 33,784 28,148
Total Liabilities 173,901 178,210 39,753 42,178 38,150
Equity Attributable to Parent Company 510,158 503,943 531,110 294,301 124,244
Total Equity 510,158 503,943 531,110 294,301 124,244
Total Debt/ Total Equity(x) 0.34 0.34 0.06 0.11 0.23
Debt plus Rdm Pfd/ Equity(x) 0.34 0.34 0.06 0.11 0.23
Investments/ Assets(%) 90.35 89.36 89.07 88.31 87.66
Total Equity/ Total Assets(%) 74.58 73.88 93.04 87.46 76.51
Total Capitalization($M) NA NA NA NA NA
Total Debt/ Total Capitalization(%) NA NA NA NA NA
Income Statement ($000)
Interest Income 61,325 74,772 50,763 26,997 12,860
Interest Expense 7,860 5,367 1,044 1,585 1,731
Net Interest Income 53,465 69,405 49,719 25,413 11,129
Gain on Investments 0 0 0 0 0
Revenue 55,275 72,692 51,339 26,003 11,567
Total Expense 12,399 22,554 21,997 12,106 5,724
Net Income 42,876 50,137 29,341 13,896 5,843
Net Income Attributable to Parent 42,876 50,137 29,341 13,896 5,843
FFO NA NA 29,341 13,896 5,843
Adjusted FFO NA NA NA NA NA
EBITDA 50,736 55,504 30,385 15,481 7,574
Per Share Information ($)
Basic Book Value per Share 16.63 16.45 16.65 16.82 16.84
Diluted EPS before Extra 1.40 1.60 1.08 1.17 1.23
Diluted EPS after Extraordinary 1.40 1.60 1.08 1.17 1.23
FFO/ Share NA NA NA NA NA
AFFO per Share NA NA NA NA NA
Common Dividends Declared per Share 1.23 1.00 1.56 2.20 1.78
Dividend Payout Ratio(%) 87.88 62.31 144 187.94 145.08
Common Shares Outstanding(actual) 30,669,362 30,627,427 31,902,325 17,500,308 7,377,049
Profitability Ratios (%)
ROAA 8.36 8.08 6.10 5.86 4.87
ROACE 11.27 9.59 6.45 6.90 6.92
ROAE 11.27 9.59 6.45 6.90 6.92
ROATCE 11.27 9.59 6.45 6.90 6.92
Net Interest Margin 10.97 11.76 10.75 11.49 10.30
Net Interest Income/ Avg Assets 10.43 11.18 10.33 10.72 9.28
EBITDA/ Interest Expense(x) 6.45 10.34 29.10 9.77 4.38
Growth Rates and Trends (%)
Investment Growth 1.86 19.88 71.12 108.74 123.85
Asset Growth 0.37 19.50 69.66 107.20 109.42
Debt Growth 0.52 NM (9.66) 20.02 16.39
Equity Growth 1.64 (5.12) 80.46 136.87 178.77
Basic Book Value per Share Growth 1.46 (1.17) (1) (0.15) 1.23
Net Interest Income Growth 3.55 39.59 95.64 128.35 NM
Net Income Growth 17.26 70.88 111.15 137.82 NM
EPS after Extra Growth 20.70 48.10 (7.70) (4.90) 583.30
FFO Growth NA NA 111.15 137.82 NM
FFO/Share Growth NA NA NA NA NA
Investments Five-year CAGR 52.30 NM NM NM NA
Assets Five-year CAGR 49.74 NM NM NM NA
Debt Five-year CAGR 61.47 NM NM NM NA
Equity Five-year CAGR 49.60 NM NM NM NA
Net Income Five-year CAGR 71.58 NM NM NM NA
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.
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