NCB Financial Group Limited (JMSE: NCBFG)

NCB Financial Group Balance Sheet

Financials in millions JMD. Fiscal year is October - September.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021	Sep 30, 2020	Sep 30, 2019
Cash & Equivalents	191,089	175,029	220,641	206,447	213,807	169,817
Investment Securities	862,179	836,828	715,191	692,282	473,047	388,763
Trading Asset Securities	1,434	826.74	874.47	767.44	653.74	239.28
Total Investments	863,613	837,655	716,066	693,049	473,700	389,002
Gross Loans	637,380	625,899	591,262	534,927	467,384	432,621
Allowance for Loan Losses	-	-15,628	-13,714	-15,494	-18,588	-13,158
Net Loans	637,380	610,271	577,548	519,433	448,796	419,464
Property, Plant & Equipment	34,220	34,122	34,189	33,456	32,074	26,167
Goodwill	-	20,351	20,351	20,351	20,351	20,401
Other Intangible Assets	52,531	36,150	34,339	32,196	32,668	29,157
Investments in Real Estate	36,697	36,593	38,714	38,218	33,751	31,385
Accrued Interest Receivable	-	3,517	3,439	4,056	4,159	3,639
Other Receivables	63,005	59,609	49,749	36,965	43,618	52,765
Restricted Cash	-	48,902	45,492	41,248	35,552	37,317
Other Current Assets	5,975	286,630	259,818	227,342	402,241	378,261
Long-Term Deferred Tax Assets	23,150	21,892	26,199	14,421	14,635	8,141
Other Real Estate Owned & Foreclosed	-	680.53	1,028	1,732	1,995	-
Other Long-Term Assets	358,273	47,659	47,224	44,931	40,015	50,785
Total Assets	2,265,933	2,222,802	2,078,186	1,917,128	1,800,260	1,616,300
Accrued Expenses	-	17,708	14,096	13,751	34,106	17,580
Interest Bearing Deposits	769,248	762,488	732,443	663,285	591,627	520,481
Total Deposits	769,248	762,488	732,443	663,285	591,627	520,481
Short-Term Borrowings	289,777	279,763	247,677	224,851	211,436	174,859
Current Portion of Long-Term Debt	-	78,883	33,472	45,192	43,084	39,981
Current Portion of Leases	-	1,389	856.2	947.81	1,341	292.37
Accrued Interest Payable	-	666.17	356.96	410.4	208.41	140.02
Other Current Liabilities	44,373	102,320	76,492	67,982	60,832	64,140
Long-Term Debt	318,218	226,332	251,871	176,074	179,579	152,085
Long-Term Leases	4,365	3,614	4,317	4,430	3,257	266.5
Pension & Post-Retirement Benefits	9,316	21,327	10,343	14,369	14,285	16,252
Long-Term Deferred Tax Liabilities	7,085	9,080	9,126	9,254	11,245	18,266
Other Long-Term Liabilities	620,011	495,835	479,730	462,368	424,133	406,052
Total Liabilities	2,062,393	1,999,405	1,884,977	1,710,463	1,600,055	1,432,429
Common Stock	158,757	153,827	153,827	153,827	153,827	153,827
Additional Paid-In Capital	-	18,712	18,379	-	-	-
Retained Earnings	186,324	198,680	192,903	164,501	152,256	138,395
Treasury Stock	-25,675	-25,675	-26,653	-27,199	-15,150	-10,756
Comprehensive Income & Other	-158,283	-175,522	-192,359	-129,673	-134,818	-133,876
Total Common Equity	161,123	170,022	146,098	161,456	156,115	147,590
Minority Interest	42,417	53,375	47,111	45,209	44,090	36,280
Shareholders' Equity	203,540	223,397	193,209	206,665	200,205	183,871
Total Liabilities & Equity	2,265,933	2,222,802	2,078,186	1,917,128	1,800,260	1,616,300
Total Debt	612,360	589,981	538,194	451,495	438,697	367,485
Net Cash (Debt)	-414,770	-405,360	-308,378	-234,613	-214,718	-189,591
Net Cash Per Share	-176.76	-176.29	-134.18	-103.07	-90.06	-78.05
Filing Date Shares Outstanding	2,415	2,298	2,298	2,295	2,372	2,396
Total Common Shares Outstanding	2,377	2,298	2,298	2,295	2,372	2,396
Book Value Per Share	67.79	73.98	63.57	70.36	65.82	61.60
Tangible Book Value	108,592	113,521	91,408	108,909	103,096	98,033
Tangible Book Value Per Share	45.69	49.39	39.77	47.46	43.47	40.91

Source: S&P Capital IQ. Banks template. Financial Sources.