Terme Bancorp Inc
Terme Bancorp, Inc. is a holding company, which through its subsidiaries, provides financial services which includes mortgage brokerage, and global electronic money services to consumers by offering general-purpose reloadable (GPR) cards. It also invests in various consumer-oriented medical initiatives, including medical devices, health maintenance, and health enhancement products. The company wa… Read more
Terme Bancorp Inc (TMEB) - Net Assets
Latest net assets as of March 2015: $41.41K USD
Based on the latest financial reports, Terme Bancorp Inc (TMEB) has net assets worth $41.41K USD as of March 2015.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($104.17K) and total liabilities ($62.76K). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $41.41K |
| % of Total Assets | 39.75% |
| Annual Growth Rate | -15.36% |
| 5-Year Change | N/A |
| 10-Year Change | -99.47% |
| Growth Volatility | 52.85 |
Terme Bancorp Inc - Net Assets Trend (1994–2021)
This chart illustrates how Terme Bancorp Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Terme Bancorp Inc (1994–2021)
The table below shows the annual net assets of Terme Bancorp Inc from 1994 to 2021.
| Year | Net Assets | Change |
|---|---|---|
| 2021-12-31 | $104.55K | +89.61% |
| 2020-12-31 | $55.14K | -30.72% |
| 2014-12-31 | $79.59K | +143.14% |
| 2013-12-31 | $-184.52K | +98.45% |
| 2004-12-31 | $-11.89 Million | -521.54% |
| 2003-12-31 | $-1.91 Million | -123.39% |
| 2002-12-31 | $8.18 Million | -53.46% |
| 2001-12-31 | $17.58 Million | -26.07% |
| 2000-12-31 | $23.77 Million | +21.37% |
| 1999-12-31 | $19.59 Million | +6.38% |
| 1998-12-31 | $18.41 Million | +1.71% |
| 1997-12-31 | $18.10 Million | +9.32% |
| 1996-12-31 | $16.56 Million | +46.16% |
| 1995-12-31 | $11.33 Million | +20.21% |
| 1994-12-31 | $9.43 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Terme Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 472.3% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2021)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $1.81 Million | 1731.01% |
| Other Components | $25.25 Million | 24146.37% |
| Total Equity | $104.55K | 100.00% |
Terme Bancorp Inc Competitors by Market Cap
The table below lists competitors of Terme Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Kidville Inc
PINK:KVIL
|
$0.97 |
|
Nextmart Inc
PINK:NXMR
|
$0.97 |
|
Genex Pharmaceutical Inc
PINK:GENX
|
$0.97 |
|
Protek Capital Inc.
PINK:PRPM
|
$0.97 |
|
NeoMedia Technologies Inc
PINK:NEOM
|
$0.97 |
|
Pao Group Inc
PINK:PAOG
|
$0.97 |
|
DMSLQ
OTCQB:DMSLQ
|
$0.97 |
|
Industry Source Consulting Inc
PINK:INSO
|
$0.97 |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Terme Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2020 to 2021, total equity changed from 55,141 to 104,554, a change of 49,413 (89.6%).
- Net income of 49,412 contributed positively to equity growth.
Equity Change Factors (2020 to 2021)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $49.41K | +47.26% |
| Other Changes | $1.00 | +0.0% |
| Total Change | $- | 89.61% |
Book Value vs Market Value Analysis
This analysis compares Terme Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.35x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has increased from 0.00x to 0.35x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1994-12-31 | $6.90 | $0.00 | x |
| 1995-12-31 | $8.07 | $0.00 | x |
| 1996-12-31 | $11.17 | $0.00 | x |
| 1997-12-31 | $8.59 | $0.00 | x |
| 1998-12-31 | $8.99 | $0.00 | x |
| 1999-12-31 | $9.50 | $0.00 | x |
| 2000-12-31 | $10.98 | $0.00 | x |
| 2001-12-31 | $10.20 | $0.00 | x |
| 2002-12-31 | $4.77 | $0.00 | x |
| 2014-12-31 | $0.00 | $0.00 | x |
| 2020-12-31 | $0.00 | $0.00 | x |
| 2021-12-31 | $0.00 | $0.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Terme Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 47.26%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 35.29%
- • Asset Turnover: 0.68x
- • Equity Multiplier: 1.97x
- Recent ROE (47.26%) is below the historical average (876.26%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1994 | 14.81% | 11.52% | 0.08x | 16.57x | $453.50K |
| 1995 | 15.37% | 9.43% | 0.10x | 16.50x | $608.00K |
| 1996 | 8.06% | 4.41% | 0.13x | 13.88x | $-322.00K |
| 1997 | 4.55% | 2.43% | 0.14x | 13.10x | $-987.40K |
| 1998 | 2.88% | 1.49% | 0.12x | 16.67x | $-1.31 Million |
| 1999 | 2.62% | 1.98% | 0.07x | 20.05x | $-1.44 Million |
| 2000 | 18.22% | 13.66% | 0.07x | 19.48x | $1.95 Million |
| 2001 | -3.62% | -1.54% | 0.08x | 30.53x | $-2.39 Million |
| 2002 | -150.33% | -45.06% | 0.08x | 42.05x | $-13.12 Million |
| 2003 | 0.00% | -694.02% | 0.01x | 0.00x | $-17.14 Million |
| 2004 | 0.00% | 0.00% | -0.05x | 0.00x | $-9.54 Million |
| 2014 | 11431.53% | 86.15% | 74.19x | 1.79x | $9.09 Million |
| 2021 | 47.26% | 35.29% | 0.68x | 1.97x | $38.96K |
Industry Comparison
This section compares Terme Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Terme Bancorp Inc (TMEB) | $41.41K | 14.81% | 1.52x | $0.97 |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |