White River Capital - Investor Relations

Financial Highlights

Select Period:

	2012 FQ3 YTD	2011 FY	2010 FY	2009 FY	2008 FY
Period Ended	9/30/2012	12/31/2011	12/31/2010	12/31/2009	12/31/2008
Balance Sheet ($000)
Cash and Cash Equivalents	4,397	3,244	3,287	6,797	6,403
Loans Held for Investment, Net of Reserves	124,084	114,716	96,723	88,612	84,178
Net Loans & Leases	124,084	114,716	96,723	88,612	84,178
Total Assets	162,481	155,310	141,608	140,956	138,828
Debt and Banking Deposits	84,000	81,000	56,000	40,007	40,628
Equity Attributable to Parent Company	76,185	71,729	83,029	99,116	96,086
Total Equity	76,185	71,729	83,029	99,116	96,086
Total Debt / Total Equity (x)	1.10	1.13	0.67	0.40	0.42
Debt plus Rdm Pfd / Equity (x)	1.10	1.13	0.67	0.40	0.42
Total Equity / Total Assets (%)	46.89	46.18	58.63	70.32	69.21
Income Statement & Profitability ($000)
Net Interest Income	25,614	33,296	31,333	29,846	34,835
Financial Revenue	25,614	33,296	31,333	29,846	34,835
Revenue	25,614	33,339	31,549	30,156	34,986
Interest Expense	1,834	1,895	1,492	1,506	2,720
Provision for Loan Losses	3,566	3,994	6,354	8,292	7,603
Total Expense	15,341	18,661	20,135	22,606	57,660
Net Income before Taxes	10,273	14,678	11,414	7,550	(22,674)
Net Income	6,853	9,529	7,079	4,870	(14,435)
Net Income Attributable to Parent	6,853	9,529	7,079	4,870	(14,435)
ROAA (%)	5.76	6.46	5.01	3.45	(9.46)
ROAE (%)	12.38	11.60	7.36	4.96	(13.49)
ROATCE	12.38	11.60	7.36	4.96	9.38
Net Interest Income / Avg Assets (%)	21.53	22.56	22.20	21.14	22.83
Per Share Information ($)
Basic Book Value per Share	21.49	20.29	22.40	24.79	23.89
Basic Tangible Book Value per Share	21.49	20.29	22.40	24.79	23.89
Diluted EPS after Extraordinary	1.93	2.64	1.84	1.20	(3.71)
Common Dividends Declared per Share	0.75	5.00	5.00	0.25	0
Common Shares Outstanding (actual)	3,544,825	3,534,480	3,706,759	3,997,506	4,022,853
Managed Portfolio ($000)
Managed Receivables for Self and Others	131,487	122,419	104,876	96,697	91,745
Loan Originations	65,867	82,967	67,178	58,496	56,855
Managed 60+ / Managed Rec (%)	2.32	1.13	0.85	2.92	3.61
Managed NCOs / Avg Managed Rec (%)	4.03	3.92	6.29	8.09	7.62
Return on Avg Managed Assets (%)	5.76	6.46	5.01	3.45	(9.46)
Risk-adjusted Margin (%)	22.70	25.51	24.94	23.29	30.08
Growth Rates and Trends (%)
Asset Growth	6.16	9.68	0.46	1.53	(16.65)
Equity Growth	8.28	(13.61)	(16.23)	3.15	(14.82)
Net Loans Receivable Growth	10.89	18.60	9.15	5.27	(7.12)
Managed Receivables Growth	9.88	16.73	8.46	5.40	(6.06)
EPS after Extra Growth	(6.3)	43.50	53.30	NM	NM
Loan Origination Growth	4.15	23.50	14.84	2.89	1.82
Assets Five-year CAGR	(2.39)	(7.18)	(11.91)	(14.75)	(19.57)
Equity Five-year CAGR	(7.52)	(7.84)	9.24	16.73	21.64
Net Loans Five-year CAGR	7.21	1.53	(11.63)	(16.18)	(22.30)
Receivables Managed Five-year CAGR	4.24	(3.59)	(17.49)	(22.94)	(30.57)

Loading ... ... Please wait


Copyright 2013, © SNL Financial LC Terms of Use

Officers and Directors

Committee Charting

Coastal Credit LLC

Union Acceptance Company LLC