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JORDAN MORTGAGE REFINANCE Financial

Trading Information

2019 2018 2017
Par Value/Share (JD) 1.00 1.00 1.00
Closing Price (JD) 0.00 3.00 3.00
Value Traded (JD) 0 0 3,000
No. of Shares Traded 0 0 1,000
No. of Transactions 0 0 1
No. of Subscribed Shares 5,000,000 5,000,000 5,000,000
Market Capitalization (JD) 0 15,000,000 15,000,000
Fiscal Year Ended 31/12/2019 31/12/2018 31/12/2017

Assets (JD)

2019 2018 2017
Cash on Hand & at Banks 7,608,689 8,820,099 10,316,075
Checks, bills of collection 0 0 0
Other debit balances 21,962 20,587 20,461
Financial Assets at Fair Value Through Profit 0 0 0
Other Current Assets 7,721,827 6,648,067 0
Total Current Assets 15,352,478 15,488,753 10,336,536
Financial Assets at Fair Value Through Other Comprehensive Income 372,488 380,765 397,320
Real estate investments 0 0 0
Investments in Sister, Subsidiary, Allied companies 0 0 0
Fixed Assets, Net 455,865 435,832 456,907
Other Assets 537,547,551 512,842,325 419,372,954
Total non-current assets 538,375,904 513,658,922 420,227,181
Total Assets 553,728,382 529,147,675 430,563,717

Liabilities (JD)

2019 2018 2017
Payables to related parties 0 0 0
Credit Banks 0 0 0
Short Term Loans 0 0 0
Other Current Liabilities 8,543,198 7,067,020 5,537,734
Total Current Liabilities 8,543,198 7,067,020 5,537,734
Long Term Loans & Notes Payable 18,111,232 17,228,789 16,389,341
Corporate Bonds 510,500,000 490,500,000 396,500,000
Other Liabilities 0 0 0
Total Liabilities 537,154,430 514,795,809 418,427,075

Shareholders Equity (JD)

2019 2018 2017
Authorized Capital 5,000,000 5,000,000 5,000,000
Subscribed and Paid-in Capital 5,000,000 5,000,000 5,000,000
Compulsory Reserves 3,217,815 2,656,224 2,198,954
Voluntary Reserve 1,949,774 1,949,774 1,949,774
Other Reserves 1,768,775 1,504,410 1,253,500
Issuance Premium 0 0 0
Issuance Discount 0 0 0
Treasury Stocks 0 0 0
Cash Dividends 1,750,000 1,750,000 950,000
Stock Dividends 0 0 0
Accumulated Change in Fair Value -396,405 -388,128 -371,573
Retained Earnings 3,283,993 1,879,586 1,155,987
Total Shareholders Equity 16,573,952 14,351,866 12,136,642
Non-controlling Interest 0 0 0
Total equity 16,573,952 14,351,866 12,136,642
Total Liabilities & Shareholders Equity 553,728,382 529,147,675 430,563,717

Income Statement (JD)

2019 2018 2017
Net brokerage commissions 0 0 0
Administrative and advisory fees 0 0 0
Interest revenues 31,891,893 25,213,200 19,651,913
Gain From Financial Assets at Fair Value Through Profit 0 0 0
Gain From Financial Assets at Fair Value Through Other Comprehensive Income 0 0 0
Earnings from differences on assessment of financial assets 0 0 0
The company's share of Sister,subsidiary, allied companies 0 0 0
Other Revenues 0 56 0
Total revenues 31,891,893 25,213,256 19,651,913
Realized losses of financial assets 0 0 0
Unrealized losses from Low assessment of financial assets 0 0 0
General and administrative expenses 985,670 887,968 888,052
Interest expenses 25,256,979 19,666,870 15,276,052
Allowance For Doubtful Accounts 1,850 56,932 0
Depreciation (Period) 31,486 28,791 27,057
Other Expenses 0 0 0
Miscellaneous provisions 0 0 0
Total Expenses 26,275,985 20,640,561 16,191,161
Income Before Tax 5,615,908 4,572,695 3,460,752
Income Tax 1,580,545 1,113,506 789,038
Previous income tax 0 0 0
Universities and Research Train Fees 0 0 0
Board of Directors Remuniration 55,000 55,000 53,571
Net Income 3,980,363 3,404,189 2,618,143
Non-controlling Interest 0 0 0
Net Income Pertains to Shareholders 3,980,363 3,404,189 2,618,143

Cash Flow (JD)

2019 2018 2017
Cash Balance (Beginning) 6,324,003 5,316,075 1,186,613
Net Cash Flow from (Used in) Operating Activities 591,959 1,965,644 5,795,170
Net Cash Flow from (Used in) Investing Activities -51,519 -7,716 -1,015,708
Net Cash Flow from (Used in) Financing Activities -1,750,000 -950,000 -650,000
Cash Balance (Ending) 5,114,443 6,324,003 5,316,075

Financial Ratios

2019 2018 2017
Turnover Ratio % 0.000 0.000 0.020
Earning Per Share (JD) 0.800 0.680 0.520
Dividend Per Share (JD) 0.350 0.350 0.190
Book Value Per Share (JD) 3.310 2.870 2.430
Price Earnings Ratio (Times) 0.000 4.410 5.730
Dividend Yield % 0.000 11.670 6.330
Dividend Per Share to Earning Per Share % 43.970 51.410 36.290
Price to Book Value (Times) 0.000 1.050 1.240
Margin Before Interest and Tax % 96.800 96.140 95.340
Profit Margin % 12.480 13.500 13.320
Return On Assets % 0.720 0.640 0.610
Return On Equity % 24.020 23.720 21.570
Debt Ratio % 97.010 97.290 97.180
Equity Ratio % 2.990 2.710 2.820
Interest Coverage Ratio (Times) 1.220 1.230 1.230
Total Assets Turnover (Times) 0.060 0.050 0.050
Financial Assets Turnover (Times) 85.620 66.220 49.460
Working Capital Turnover (Times) 4.680 2.990 4.100
Current Ratio (Times) 1.800 2.190 1.870
Working Capital (JD) 6,809,280.000 8,421,733.000 4,798,802.000