NCB Financial Group Limited (JMSE: NCBFG)

NCB Financial Group Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2024	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021	Sep 30, 2020
Cash & Equivalents	209,371	209,371	175,029	220,641	206,447	213,807
Investment Securities	922,241	922,241	836,828	715,191	692,282	473,047
Trading Asset Securities	1,492	1,492	826.74	874.47	767.44	653.74
Total Investments	923,733	923,733	837,655	716,066	693,049	473,700
Gross Loans	626,240	626,240	625,899	591,262	534,927	467,384
Allowance for Loan Losses	-	-	-15,628	-13,714	-15,494	-18,588
Net Loans	626,240	626,240	610,271	577,548	519,433	448,796
Property, Plant & Equipment	34,124	34,124	34,122	34,189	33,456	32,074
Goodwill	-	-	20,351	20,351	20,351	20,351
Other Intangible Assets	52,775	52,775	36,150	34,339	32,196	32,668
Investments in Real Estate	37,487	37,487	36,593	38,714	38,218	33,751
Accrued Interest Receivable	-	-	3,517	3,439	4,056	4,159
Other Receivables	65,726	65,726	59,609	49,749	36,965	43,618
Restricted Cash	-	-	48,902	45,492	41,248	35,552
Other Current Assets	4,337	4,337	286,630	259,818	227,342	402,241
Long-Term Deferred Tax Assets	23,488	23,488	21,892	26,199	14,421	14,635
Other Real Estate Owned & Foreclosed	-	-	680.53	1,028	1,732	1,995
Other Long-Term Assets	338,145	338,145	47,659	47,224	44,931	40,015
Total Assets	2,315,426	2,315,426	2,222,802	2,078,186	1,917,128	1,800,260
Accrued Expenses	-	-	17,708	14,096	13,751	34,106
Interest Bearing Deposits	783,967	783,967	762,488	732,443	663,285	591,627
Total Deposits	783,967	783,967	762,488	732,443	663,285	591,627
Short-Term Borrowings	300,495	300,495	279,763	247,677	224,851	211,436
Current Portion of Long-Term Debt	-	-	78,883	33,472	45,192	43,084
Current Portion of Leases	-	-	1,389	856.2	947.81	1,341
Accrued Interest Payable	-	-	666.17	356.96	410.4	208.41
Other Current Liabilities	42,036	42,036	102,320	76,492	67,982	60,832
Long-Term Debt	300,840	300,840	226,332	251,871	176,074	179,579
Long-Term Leases	4,281	4,281	3,614	4,317	4,430	3,257
Pension & Post-Retirement Benefits	8,091	8,091	21,327	10,343	14,369	14,285
Long-Term Deferred Tax Liabilities	6,986	6,986	9,080	9,126	9,254	11,245
Other Long-Term Liabilities	655,835	655,835	495,835	479,730	462,368	424,133
Total Liabilities	2,102,531	2,102,531	1,999,405	1,884,977	1,710,463	1,600,055
Common Stock	161,171	161,171	153,827	153,827	153,827	153,827
Additional Paid-In Capital	-	-	18,712	18,379	-	-
Retained Earnings	186,426	186,426	198,680	192,903	164,501	152,256
Treasury Stock	-25,675	-25,675	-25,675	-26,653	-27,199	-15,150
Comprehensive Income & Other	-147,475	-147,475	-175,522	-192,359	-129,673	-134,818
Total Common Equity	174,447	174,447	170,022	146,098	161,456	156,115
Minority Interest	38,448	38,448	53,375	47,111	45,209	44,090
Shareholders' Equity	212,895	212,895	223,397	193,209	206,665	200,205
Total Liabilities & Equity	2,315,426	2,315,426	2,222,802	2,078,186	1,917,128	1,800,260
Total Debt	605,616	605,616	589,981	538,194	451,495	438,697
Net Cash (Debt)	-389,143	-389,143	-405,360	-308,378	-234,613	-214,718
Net Cash Per Share	-163.90	-163.90	-176.29	-134.18	-103.07	-90.06
Filing Date Shares Outstanding	2,412	2,412	2,298	2,298	2,295	2,372
Total Common Shares Outstanding	2,412	2,412	2,298	2,298	2,295	2,372
Book Value Per Share	72.33	72.33	73.98	63.57	70.36	65.82
Tangible Book Value	121,672	121,672	113,521	91,408	108,909	103,096
Tangible Book Value Per Share	50.45	50.45	49.39	39.77	47.46	43.47

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