|
2005 Q4 |
2004 Q4 |
Y-Y
Ch (%) |
2005 Q3 |
Q-Q
Ch (%) † |
Cash & Equivalents |
34,472 |
16,092 |
114.22 |
51,656 |
(133.06) |
Total Securities |
0 |
0 |
0.00 |
0 |
0.00 |
Total Assets |
670,989 |
554,693 |
20.97 |
732,933 |
(33.81) |
Total Debt |
517,058 |
434,999 |
18.86 |
582,846 |
(45.15) |
Accounts Payable and Accrued Expenses |
NA |
NA |
NA |
NA |
NA |
Total Liabilities |
558,380 |
464,343 |
20.25 |
625,462 |
(42.90) |
Total Mezzanine Items |
0 |
0 |
0.00 |
0 |
0.00 |
Total Equity |
112,609 |
90,350 |
24.64 |
107,471 |
19.12 |
Shares Outstanding |
11,755,225 |
11,527,697 |
1.97 |
11,736,817 |
0.63 |
|
|
2005 Q4 |
2004 Q4 |
Y-Y
Ch (%) |
2005 Q3 |
Q-Q
Ch (%) † |
Interest Income |
17,979 |
15,283 |
17.64 |
17,490 |
11.18 |
Interest Expense |
5,933 |
4,532 |
30.91 |
5,618 |
22.43 |
Net Interest Income |
12,046 |
10,751 |
12.05 |
11,872 |
5.86 |
Provision for Losses |
2,426 |
2,525 |
(3.92) |
2,757 |
(48.02) |
Total Revenue |
17,876 |
15,870 |
12.64 |
17,259 |
14.30 |
Total Non Interest Expense |
8,226 |
7,269 |
13.17 |
8,006 |
10.99 |
Total Expenses |
10,652 |
9,794 |
8.76 |
11,516 |
(30.01) |
Net Income |
4,370 |
3,608 |
21.12 |
3,444 |
107.55 |
EBITDA |
15,647 |
13,067 |
19.74 |
11,924 |
124.89 |
|
|
2005 Q4 |
2004 Q4 |
Y-Y
Ch (%) |
2005 Q3 |
Q-Q
Ch (%) † |
Book Value Per Share |
9.58 |
7.84 |
22.22 |
9.16 |
18.47 |
Diluted EPS Before Extra |
0.36 |
0.31 |
16.13 |
0.29 |
96.55 |
Diluted EPS After Extra |
0.36 |
0.31 |
16.13 |
0.29 |
96.55 |
Dividends Declared |
0.0000 |
0.0000 |
0.00 |
0.0000 |
0.00 |
Dividend Payout (%) |
0.0 |
0.0 |
0 (bp) |
0.0 |
0 (bp) |
|
|
2005 Q4 |
2004 Q4 |
Y-Y
Ch (bp) |
2005 Q3 |
Q-Q
Ch (bp) |
ROAA |
2.49 |
2.52 |
(3) |
2.06 |
43 |
ROAE |
15.89 |
16.42 |
(53) |
13.20 |
270 |
Net Interest Margin |
6.94 |
9.08 |
(214) |
7.19 |
(25) |
Net Income Growth |
21.12 |
135.82 |
(11,470) |
1.44 |
1,968 |
Asset Growth |
(33.81) |
(24.54) |
(926) |
87.33 |
(12,114) |
EBITDA/ Interest Expense (x) |
2.64 |
2.88 |
(25) (100bp) |
2.12 |
51 (100bp) |
|
|
2005 Q4 |
2004 Q4 |
Y-Y
Ch (bp) |
2005 Q3 |
Q-Q
Ch (bp) |
Equity/ Assets |
16.78 |
16.29 |
49 |
14.66 |
212 |
Debt/ Equity (x) |
4.59 |
4.81 |
(22) (100bp) |
5.42 |
(83) (100bp) |
Debt/ Total BV Capitalization |
82.12 |
82.80 |
(69) |
84.43 |
(232) |
|
|
2005 Q4 |
2004 Q4 |
Y-Y
Ch (%) |
2005 Q3 |
Q-Q
Ch (%) † |
Gross Loans |
580,394 |
495,740 |
17.08 |
565,770 |
10.34 |
|