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Silvergate Capital Corporation Balance Sheet 2021-2011 | SI
Brief overview of Silvergate Capital Corporation's balance sheet structure
The review uses the five latest available annual reports between 2017 and 2021.
Total assets increased by +746%, from $1.9 billion to $16 billion. A CAGR near 70.5% points to substantial expansion.
Assets outpaced liabilities, +746% versus +691.8%. Dependence on external funding declined.
Given the financial profile, the capital cushion is the main focus. It covers 10.1% of assets versus five periods ago.
By the end of the period, accumulated earnings were $193.9 million; the change from the start was +329.5%.
Overall picture
Silvergate Capital Corporation's financial position is more positive than negative: the funding mix is workable, although the cushion is not unlimited.
Annual Balance Sheet Silvergate Capital Corporation
| 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
-5.37 B | -2.95 B | -114 M | -654 M | -761 M | 103 M | - | - | - | - | - |
Long Term Debt |
15.8 M | 15.8 M | 19.5 M | 20.7 M | 36.8 M | 138 M | - | - | - | - | - |
Total Non Current Liabilities |
- | - | 19.5 M | - | - | - | - | - | - | - | - |
Total Liabilities |
14.4 B | 5.29 B | 1.9 B | 1.81 B | 1.82 B | 915 M | - | - | - | - | - |
Retained Earnings |
194 M | 118 M | 92.3 M | 67.5 M | 45.1 M | 37.3 M | - | - | - | - | - |
Total Assets |
16 B | 5.59 B | 2.13 B | 2 B | 1.89 B | 981 M | - | - | - | - | - |
Cash and Cash Equivalents |
5.39 B | 2.96 B | 134 M | 674 M | - | - | - | - | - | - | - |
Book Value |
1.61 B | 294 M | 231 M | 191 M | 73.8 M | 65.8 M | - | - | - | - | - |
Total Shareholders Equity |
1.61 B | 294 M | 231 M | 191 M | - | - | - | - | - | - | - |
All numbers in USD currency
Quarterly Balance Sheet Silvergate Capital Corporation
| 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Long Term Debt |
- | - | - | - | 15.8 M | - | - | - | 15.8 M | - | - | - | 19.5 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Liabilities |
- | 14.1 B | 14.5 B | 14.3 B | 14.4 B | 11.7 B | 11.4 B | 7.04 B | 5.29 B | 2.34 B | 2.07 B | 2.07 B | 1.9 B | 1.91 B | 1.9 B | 1.9 B | 1.81 B | 1.81 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Retained Earnings |
- | 295 M | 254 M | 219 M | 194 M | 175 M | 152 M | 131 M | 118 M | 109 M | 102 M | 96.7 M | 92.3 M | 88.7 M | 92.3 M | 92.3 M | 67.5 M | 67.5 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Assets |
- | 15.5 B | 15.9 B | 15.8 B | 16 B | 12.8 B | 12.3 B | 7.76 B | 5.59 B | 2.62 B | 2.34 B | 2.31 B | 2.13 B | 2.14 B | 2.13 B | 2.13 B | 2 B | 2 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash and Cash Equivalents |
- | 1.89 B | 1.89 B | 1.39 B | 5.39 B | 3.78 B | 4.47 B | 4.33 B | 2.96 B | 197 M | 199 M | 166 M | 134 M | 160 M | 134 M | 134 M | 674 M | 674 M | - | - | 798 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Book Value |
- | 1.33 B | 1.42 B | 1.55 B | 1.61 B | 1.07 B | 871 M | 714 M | 294 M | 284 M | 268 M | 245 M | 231 M | 231 M | 231 M | 231 M | 191 M | 191 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Shareholders Equity |
- | 1.33 B | 1.42 B | 1.55 B | 1.61 B | 1.07 B | 871 M | 714 M | 294 M | 284 M | 268 M | 245 M | 231 M | 231 M | 231 M | 231 M | 191 M | 191 M | 177 M | 173 M | 73.8 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Balance Sheet is a fundamental financial report of Silvergate Capital Corporation, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
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