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5-day change | 1st Jan Change | ||
| 5.260 USD | -0.75% |
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-0.75% | +38.06% |
| Fiscal Period: December | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Profitability | ||||||||||
Return on Assets | 0.7 | -0.43 | -0.22 | -0.08 | 0.12 | |||||
Return On Equity % | 7.57 | -4.93 | -3.09 | -1.24 | 1.81 | |||||
Return on Common Equity | 7.57 | -4.93 | -3.09 | -1.24 | 1.81 | |||||
Shareholders Value Added | -1.94M | -7.47M | -12.01M | -4.76M | -3.64M | |||||
Margin Analysis | ||||||||||
SG&A Margin | 65.17 | 102.45 | 97.49 | 92.19 | 82.25 | |||||
Net Interest Income / Total Revenues % | 81.77 | 99.52 | 93.01 | 90 | 93.33 | |||||
EBT Excl. Non-Recurring Items Margin % | 25.6 | -18.64 | -11.32 | -4.06 | 6.06 | |||||
Income From Continuing Operations Margin % | 20.01 | -14.43 | -9.15 | -3.23 | 4.78 | |||||
Net Income Margin % | 20.01 | -14.43 | -55.08 | -3.85 | 4.71 | |||||
Net Avail. For Common Margin % | 20.01 | -14.43 | -9.15 | -3.23 | 4.78 | |||||
Normalized Net Income Margin | 16 | -11.65 | -7.07 | -2.54 | 3.79 | |||||
Asset quality | ||||||||||
Nonperforming Loans / Total Loans % | - | - | 0.09 | 0.1 | 0.2 | |||||
Nonperforming Loans / Total Assets % | - | - | 0.09 | 0.09 | 0.18 | |||||
Nonperforming Assets / Total Assets % | - | - | 0.09 | 0.09 | 0.18 | |||||
NPAs / Loans and OREO | - | - | 0.09 | 0.1 | 0.2 | |||||
NPAs / Equity | - | - | 1.31 | 1.31 | 2.51 | |||||
Allowance for Credit Losses / Net Charge-offs % | - | - | 4.71K | 11.68K | 55.58K | |||||
Allowance for Credit Losses / Nonperforming Loans % | - | - | 1.16K | 1.12K | 547.86 | |||||
Allowance for Credit Losses / Total Loans % | 1.27 | 1.28 | 1.08 | 1.07 | 1.12 | |||||
Provision for Loan Losses / Net Charge-offs % | - | - | -42.61 | -856.82 | -3.03K | |||||
Capital And Funding | ||||||||||
Total Average Common Equity / Total Average Assets % | 9.31 | 8.66 | 7.27 | 6.58 | 6.84 | |||||
Total Average Equity / Total Average Assets % | 9.31 | 8.66 | 7.27 | 6.58 | 6.84 | |||||
Total Equity + Allowance for Loan Losses / Total Loans % | 13.16 | 10.57 | 8.2 | 8.36 | 9.27 | |||||
Gross Loans / Total Deposits % | 89.33 | 99.92 | 109.22 | 110.31 | 100.19 | |||||
Net Loans / Total Deposits % | 88.19 | 98.63 | 108.04 | 109.12 | 99.07 | |||||
Tier 1 Capital Ratio % | 11.14 | 9.84 | 9.35 | 10.9 | 11.98 | |||||
Total Capital Ratio % | 12.36 | 11.08 | 10.55 | 12.09 | 13.21 | |||||
Core Tier 1 Capital Ratio | 11.14 | 9.84 | 9.35 | 10.9 | 11.98 | |||||
Coverage Ratio | 374.31 | 494 | 338.25 | 342.67 | 185.26 | |||||
Leverage Ratio % | 8.87 | 8.86 | 8.15 | 9.19 | 9.43 | |||||
Fixed Charges Coverage | ||||||||||
EBT + Interest on Borrowings / Interest on Borrowings | 7.84 | -3.43 | 0.19 | 0.77 | 1.34 | |||||
EBT + Interest Expense / Interest Expense | 2.68 | 0.31 | 0.89 | 0.97 | 1.06 | |||||
Growth Over Prior Year | ||||||||||
Net Interest Income, 1 Yr. Growth % | 20.75 | 10.59 | -17.73 | -0.88 | 3.02 | |||||
Non Interest Income, 1 Yr. Growth % | -26.26 | -64.35 | -5.09 | 11.86 | -36.09 | |||||
Provision For Loan Losses, 1 Yr. Growth % | -89.55 | 563.75 | -104.61 | 669.39 | -27.59 | |||||
Total Revenues, 1 Yr. Growth % | 18.32 | -9.13 | -10.72 | 2.44 | -0.66 | |||||
Earnings From Cont. Operations, 1 Yr. Growth % | 9.44 | -165.54 | -185.85 | -63.89 | -247.26 | |||||
Net Income, 1 Yr. Growth % | 9.44 | -165.54 | 235.79 | -92.84 | -221.61 | |||||
Normalized Net Income, 1 Yr. Growth % | 9.55 | -166.16 | -186.46 | -63.27 | -248.46 | |||||
Diluted EPS Before Extra, 1 Yr. Growth % | 9.3 | -166.44 | -186.17 | -63.9 | -247.27 | |||||
Gross Loans, 1 Yr. Growth % | 5.23 | 20.69 | 8.51 | -4.11 | -7.15 | |||||
Allowance For Loan Losses, 1 Yr. Growth % | 3.4 | 21.82 | -8.7 | -5.03 | -2.68 | |||||
Net Loans, 1 Yr. Growth % | 5.26 | 20.68 | 8.73 | -4.1 | -7.2 | |||||
Non Performing Loans, 1 Yr. Growth % | - | - | - | -1.71 | 98.48 | |||||
Non Performing Assets, 1 Yr. Growth % | - | - | - | -1.71 | 98.48 | |||||
Total Assets, 1 Yr. Growth % | 8.31 | 8.34 | 3.55 | -4.47 | -1.34 | |||||
Total Deposits, 1 Yr Growth % | 11.75 | 7.9 | -0.74 | -5.05 | 2.22 | |||||
Tangible Book Value, 1 Yr. Growth % | 7.56 | -5.72 | -16.83 | -1.76 | 3.77 | |||||
Common Equity, 1 Yr. Growth % | 7.56 | -5.72 | -16.83 | -1.76 | 3.77 | |||||
Total Equity, 1 Yr. Growth % | 7.56 | -5.72 | -16.83 | -1.76 | 3.77 | |||||
Compound Annual Growth Rate Over Two Years | ||||||||||
Net Interest Income, 2 Yr. CAGR % | 23.49 | 15.55 | -4.63 | -9.69 | 1.05 | |||||
Non Interest Income, 2 Yr. CAGR % | 33.34 | -48.73 | -47.49 | 3.04 | -15.45 | |||||
Provision For Loan Losses, 2 Yr. CAGR % | -45.36 | -16.71 | -44.66 | -40.42 | 136.04 | |||||
Total Revenues, 2 Yr. CAGR % | 27.84 | 3.69 | -10.58 | -4.37 | 0.88 | |||||
Earnings From Cont. Operations, 2 Yr. CAGR % | 46.71 | -15.31 | -39.53 | -44.32 | -27.08 | |||||
Net Income, 2 Yr. CAGR % | 46.71 | -15.31 | 48.35 | -50.95 | -70.48 | |||||
Normalized Net Income, 2 Yr. CAGR % | 46.95 | -14.87 | -40.54 | -43.65 | -26.15 | |||||
Diluted EPS Before Extra, 2 Yr. CAGR % | 46.16 | -14.79 | -39.45 | -44.22 | -27.08 | |||||
Gross Loans, 2 Yr. CAGR % | 14.82 | 12.7 | 14.44 | 2 | -5.64 | |||||
Allowance For Loan Losses, 2 Yr. CAGR % | 23.8 | 12.23 | 5.46 | -6.88 | -3.86 | |||||
Net Loans, 2 Yr. CAGR % | 14.72 | 12.7 | 14.55 | 2.11 | -5.66 | |||||
Non Performing Loans, 2 Yr. CAGR % | - | - | - | - | 39.67 | |||||
Non Performing Assets, 2 Yr. CAGR % | - | - | - | - | 39.67 | |||||
Total Assets, 2 Yr. CAGR % | 23.42 | 8.32 | 5.92 | -0.54 | -2.92 | |||||
Total Deposits, 2 Yr CAGR % | 25.66 | 9.81 | 3.49 | -2.92 | -1.48 | |||||
Tangible Book Value, 2 Yr. CAGR % | 7.79 | 0.7 | -11.45 | -9.61 | 0.97 | |||||
Common Equity, 2 Yr. CAGR % | 7.79 | 0.7 | -11.45 | -9.61 | 0.97 | |||||
Total Equity, 2 Yr. CAGR % | 7.79 | 0.7 | -11.45 | -9.61 | 0.97 | |||||
Compound Annual Growth Rate Over Three Years | ||||||||||
Net Interest Income, 3 Yr. CAGR % | 19.31 | 19.03 | 3.17 | -3.4 | -5.64 | |||||
Non Interest Income, 3 Yr. CAGR % | 67.33 | -14.1 | -41.2 | -32.44 | -12.12 | |||||
Provision For Loan Losses, 3 Yr. CAGR % | -16.31 | 25.6 | -68.25 | 33.07 | -36.42 | |||||
Total Revenues, 3 Yr. CAGR % | 25.49 | 14.09 | -1.83 | -6.43 | -3.14 | |||||
Earnings From Cont. Operations, 3 Yr. CAGR % | 41.01 | 12.16 | -26.31 | -49.08 | -23 | |||||
Net Income, 3 Yr. CAGR % | 41.01 | 12.16 | 34.04 | -45.98 | -33.62 | |||||
Normalized Net Income, 3 Yr. CAGR % | 41.24 | 12.62 | -27.11 | -49.36 | -22.17 | |||||
Diluted EPS Before Extra, 3 Yr. CAGR % | 40.35 | 12.38 | -26.27 | -49.03 | -22.91 | |||||
Gross Loans, 3 Yr. CAGR % | 16.99 | 16.75 | 11.28 | 7.89 | -1.14 | |||||
Allowance For Loan Losses, 3 Yr. CAGR % | 22.59 | 23.14 | 4.77 | 1.84 | -5.5 | |||||
Net Loans, 3 Yr. CAGR % | 16.92 | 16.67 | 11.36 | 7.96 | -1.09 | |||||
Total Assets, 3 Yr. CAGR % | 22.8 | 18.17 | 6.71 | 2.33 | -0.81 | |||||
Total Deposits, 3 Yr CAGR % | 25.03 | 19.44 | 6.18 | 0.56 | -1.23 | |||||
Tangible Book Value, 3 Yr. CAGR % | 6.82 | 3.09 | -5.52 | -8.33 | -5.35 | |||||
Common Equity, 3 Yr. CAGR % | 6.82 | 3.09 | -5.52 | -8.33 | -5.35 | |||||
Total Equity, 3 Yr. CAGR % | 6.82 | 3.09 | -5.52 | -8.33 | -5.35 | |||||
Compound Annual Growth Rate Over Five Years | ||||||||||
Net Interest Income, 5 Yr. CAGR % | 17.77 | 16.56 | 9.09 | 6.57 | 2.32 | |||||
Non Interest Income, 5 Yr. CAGR % | 12.9 | 2.3 | 5.25 | -11.32 | -32 | |||||
Provision For Loan Losses, 5 Yr. CAGR % | -15.25 | 34.42 | -29.07 | -6.8 | -29.17 | |||||
Total Revenues, 5 Yr. CAGR % | 17.66 | 14.25 | 9.58 | 6.01 | -0.75 | |||||
Earnings From Cont. Operations, 5 Yr. CAGR % | 5.37 | 40.22 | 0.5 | -22.24 | -26.62 | |||||
Net Income, 5 Yr. CAGR % | 5.37 | 40.22 | 43.9 | -19.44 | -26.82 | |||||
Normalized Net Income, 5 Yr. CAGR % | 36.79 | 16.09 | -0.08 | -22.45 | -26.73 | |||||
Diluted EPS Before Extra, 5 Yr. CAGR % | -3.78 | 39.08 | 0.27 | -22.32 | -26.6 | |||||
Gross Loans, 5 Yr. CAGR % | 16.63 | 17.74 | 15.96 | 10.61 | 4.18 | |||||
Allowance For Loan Losses, 5 Yr. CAGR % | 18.01 | 20.14 | 15.43 | 10.11 | 1.23 | |||||
Net Loans, 5 Yr. CAGR % | 16.61 | 17.71 | 15.97 | 10.61 | 4.21 | |||||
Total Assets, 5 Yr. CAGR % | 20.07 | 18.87 | 15.74 | 10.3 | 2.75 | |||||
Total Deposits, 5 Yr CAGR % | 20.46 | 20.8 | 15.92 | 9.94 | 3.04 | |||||
Tangible Book Value, 5 Yr. CAGR % | 15.52 | 3.53 | -0.9 | -2.19 | -2.98 | |||||
Common Equity, 5 Yr. CAGR % | 15.52 | 3.53 | -0.9 | -2.19 | -2.98 | |||||
Total Equity, 5 Yr. CAGR % | 15.52 | 3.53 | -0.9 | -2.19 | -2.98 |
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