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	Mar 31, 2025	Sep 30, 2024	Sep 30, 2023	Sep 30, 2022	Sep 30, 2021	Sep 30, 2020
Cash & Equivalents	100,947	209,528	175,572	220,641	206,447	213,807
Investment Securities	948,123	922,109	840,008	715,191	692,282	473,047
Trading Asset Securities	1,390	1,492	826.74	874.47	767.44	653.74
Total Investments	949,513	923,601	840,835	716,066	693,049	473,700
Gross Loans	-	640,107	624,543	591,262	534,927	467,384
Allowance for Loan Losses	-	-17,105	-15,336	-13,714	-15,494	-18,588
Net Loans	-	623,002	609,207	577,548	519,433	448,796
Property, Plant & Equipment	31,178	32,608	34,123	34,189	33,456	32,074
Goodwill	-	20,351	20,351	20,351	20,351	20,351
Other Intangible Assets	50,002	33,940	33,631	34,339	32,196	32,668
Investments in Real Estate	37,492	37,487	36,593	38,714	38,218	33,751
Accrued Interest Receivable	-	14,386	14,549	3,439	4,056	4,159
Other Receivables	167,300	52,473	39,416	49,749	36,965	43,618
Restricted Cash	-	50,013	48,902	45,492	41,248	35,552
Other Current Assets	3,790	268,975	296,065	259,818	227,342	402,241
Long-Term Deferred Tax Assets	23,760	23,488	22,711	26,199	14,421	14,635
Other Real Estate Owned & Foreclosed	-	274.77	680.53	1,028	1,732	1,995
Other Long-Term Assets	367,508	25,884	26,456	47,224	44,931	40,015
Total Assets	2,354,605	2,316,011	2,199,090	2,078,186	1,917,128	1,800,260
Accrued Expenses	-	12,362	18,733	14,096	13,751	34,106
Interest Bearing Deposits	800,188	803,075	762,488	732,443	663,285	591,627
Total Deposits	800,188	803,075	762,488	732,443	663,285	591,627
Short-Term Borrowings	281,090	299,522	279,764	247,677	224,851	211,436
Current Portion of Long-Term Debt	-	91,965	78,883	33,472	45,192	43,084
Current Portion of Leases	-	1,374	1,387	856.2	947.81	1,341
Current Income Taxes Payable	-	-	559.31	-	-	-
Accrued Interest Payable	-	691.53	666.17	356.96	410.4	208.41
Other Current Liabilities	40,624	91,457	82,806	76,492	67,982	60,832
Long-Term Debt	297,161	204,794	226,332	251,871	176,074	179,579
Long-Term Leases	3,784	2,906	3,615	4,317	4,430	3,257
Pension & Post-Retirement Benefits	7,877	15,100	21,265	10,343	14,369	14,285
Long-Term Deferred Tax Liabilities	6,916	6,986	7,917	9,126	9,254	11,245
Other Long-Term Liabilities	686,590	575,034	543,929	479,730	462,368	424,133
Total Liabilities	2,124,230	2,105,268	2,028,344	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	18,712	18,379	-	-
Retained Earnings	191,793	178,024	171,202	192,903	164,501	152,256
Treasury Stock	-25,675	-25,675	-25,675	-26,653	-27,199	-15,150
Comprehensive Income & Other	-145,208	-159,938	-175,944	-192,359	-129,673	-134,818
Total Common Equity	182,082	172,295	142,123	146,098	161,456	156,115
Minority Interest	48,293	38,448	28,624	47,111	45,209	44,090
Shareholders' Equity	230,375	210,743	170,746	193,209	206,665	200,205
Total Liabilities & Equity	2,354,605	2,316,011	2,199,090	2,078,186	1,917,128	1,800,260
Total Debt	582,035	600,562	589,981	538,194	451,495	438,697
Net Cash (Debt)	-470,191	-383,933	-404,816	-308,378	-234,613	-214,718
Net Cash Per Share	-196.16	-161.76	-171.45	-134.18	-103.07	-90.06
Filing Date Shares Outstanding	2,413	2,412	2,298	2,298	2,295	2,372
Total Common Shares Outstanding	2,413	2,412	2,298	2,298	2,295	2,372
Book Value Per Share	75.44	71.44	61.84	63.57	70.36	65.82
Tangible Book Value	132,079	118,004	88,141	91,408	108,909	103,096
Tangible Book Value Per Share	54.73	48.93	38.35	39.77	47.46	43.47

Source: S&P Global Market Intelligence. Banks template. Financial Sources.