$RM
Regional Management Corp.

2023 Q3 Form 10-Q Financial Statement

#000095017023038581 Filed on August 04, 2023

View on sec.gov

Income Statement

Concept 2023 Q3 2023 Q2
Revenue $140.9M $133.5M
YoY Change 7.17% 8.64%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin $66.18M $46.42M
YoY Change 6.56% -20.28%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $3.600M $3.566M
YoY Change 23.5% 19.03%
% of Gross Profit
Operating Expenses $66.18M $109.4M
YoY Change 6.56% 87.96%
Operating Profit
YoY Change
Interest Expense -$16.95M -$16.22M
YoY Change 42.86% 114.49%
% of Operating Profit
Other Income/Expense, Net $11.88M $10.48M
YoY Change 4.24% 5.64%
Pretax Income $10.90M $7.813M
YoY Change -18.4% -50.51%
Income Tax $2.077M $1.790M
% Of Pretax Income 19.06% 22.91%
Net Earnings $8.820M $6.023M
YoY Change -12.4% -49.73%
Net Earnings / Revenue 6.26% 4.51%
Basic Earnings Per Share $0.94 $0.64
Diluted Earnings Per Share $0.91 $0.63
COMMON SHARES
Basic Shares Outstanding 9.837M 9.643M
Diluted Shares Outstanding 9.650M 9.566M

Balance Sheet

Concept 2023 Q3 2023 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments $7.400M $10.33M
YoY Change 135.67% 30.3%
Cash & Equivalents $124.4M $141.5M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $7.400M $10.33M
YoY Change 135.67% 30.3%
LONG-TERM ASSETS
Property, Plant & Equipment $14.16M $49.69M
YoY Change 14.45% 287.92%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments $22.50M $20.30M
YoY Change 10.89%
Other Assets $131.2M $146.4M
YoY Change 0.38% -11.05%
Total Long-Term Assets $1.758B $1.713B
YoY Change 9.64% 11.25%
TOTAL ASSETS
Total Short-Term Assets $7.400M $10.33M
Total Long-Term Assets $1.758B $1.713B
Total Assets $1.765B $1.724B
YoY Change 9.88% 11.35%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $30.60M $27.03M
YoY Change -10.62% -21.63%
Accrued Expenses $37.10M $37.15M
YoY Change 14.27% 19.39%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $67.70M $64.18M
YoY Change 1.49% -2.18%
LONG-TERM LIABILITIES
Long-Term Debt $1.367B $1.338B
YoY Change 11.02% 13.02%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $1.367B $1.338B
YoY Change 11.02% 13.02%
TOTAL LIABILITIES
Total Short-Term Liabilities $67.70M $64.18M
Total Long-Term Liabilities $1.367B $1.338B
Total Liabilities $1.435B $1.402B
YoY Change 10.53% 12.23%
SHAREHOLDERS EQUITY
Retained Earnings $360.2M $354.3M
YoY Change 4.07% 4.54%
Common Stock $121.0M $117.7M
YoY Change 7.08% 7.18%
Preferred Stock
YoY Change
Treasury Stock (at cost) $150.1M $150.1M
YoY Change 0.0% 0.0%
Treasury Stock Shares
Shareholders Equity $330.6M $321.5M
YoY Change
Total Liabilities & Shareholders Equity $1.765B $1.724B
YoY Change 9.88% 11.35%

Cashflow Statement

Concept 2023 Q3 2023 Q2
OPERATING ACTIVITIES
Net Income $8.820M $6.023M
YoY Change -12.4% -49.73%
Depreciation, Depletion And Amortization $3.600M $3.566M
YoY Change 23.5% 19.03%
Cash From Operating Activities $67.60M $62.08M
YoY Change 23.27% -2.45%
INVESTING ACTIVITIES
Capital Expenditures $2.900M $3.047M
YoY Change -222.78% -226.43%
Acquisitions
YoY Change
Other Investing Activities -$106.6M -$61.53M
YoY Change -18.89% -44.14%
Cash From Investing Activities -$109.3M -$64.57M
YoY Change -18.3% -42.63%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 24.80M 9.674M
YoY Change -42.62% -78.55%
NET CHANGE
Cash From Operating Activities 67.60M 62.08M
Cash From Investing Activities -109.3M -64.57M
Cash From Financing Activities 24.80M 9.674M
Net Change In Cash -16.90M 7.176M
YoY Change -52.69% -287.66%
FREE CASH FLOW
Cash From Operating Activities $67.60M $62.08M
Capital Expenditures $2.900M $3.047M
Free Cash Flow $64.70M $59.03M
YoY Change 13.11% -10.62%

Facts In Submission

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AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation
1236000
us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
4853000
us-gaap Net Income Loss
NetIncomeLoss
38765000
CY2022Q2 us-gaap Stockholders Equity
StockholdersEquity
298584000
us-gaap Profit Loss
ProfitLoss
14712000
us-gaap Profit Loss
ProfitLoss
38765000
us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
100219000
us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
76258000
us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
7644000
us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
6234000
us-gaap Amortization Of Deferred Loan Origination Fees Net
AmortizationOfDeferredLoanOriginationFeesNet
7246000
us-gaap Amortization Of Deferred Loan Origination Fees Net
AmortizationOfDeferredLoanOriginationFeesNet
7881000
us-gaap Gain Loss On Sale Of Property Plant Equipment
GainLossOnSaleOfPropertyPlantEquipment
-437000
us-gaap Gain Loss On Sale Of Property Plant Equipment
GainLossOnSaleOfPropertyPlantEquipment
-16000
us-gaap Share Based Compensation
ShareBasedCompensation
4440000
us-gaap Share Based Compensation
ShareBasedCompensation
4853000
us-gaap Unrealized Gain Loss On Derivatives
UnrealizedGainLossOnDerivatives
2525000
us-gaap Deferred Income Taxes And Tax Credits
DeferredIncomeTaxesAndTaxCredits
-1526000
us-gaap Deferred Income Taxes And Tax Credits
DeferredIncomeTaxesAndTaxCredits
-1378000
us-gaap Increase Decrease In Unearned Premiums
IncreaseDecreaseInUnearnedPremiums
-1949000
us-gaap Increase Decrease In Unearned Premiums
IncreaseDecreaseInUnearnedPremiums
1149000
rm Increase Decrease In Lease Assets
IncreaseDecreaseInLeaseAssets
475000
rm Increase Decrease In Lease Assets
IncreaseDecreaseInLeaseAssets
-166000
us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
-4262000
us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
-7870000
us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
-6231000
us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
-14521000
rm Increase Decrease In Lease Liabilities
IncreaseDecreaseInLeaseLiabilities
438000
rm Increase Decrease In Lease Liabilities
IncreaseDecreaseInLeaseLiabilities
417000
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
114725000
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
109423000
us-gaap Payments To Acquire Loans Receivable
PaymentsToAcquireLoansReceivable
706642000
us-gaap Payments To Acquire Loans Receivable
PaymentsToAcquireLoansReceivable
755416000
us-gaap Proceeds From Collection Of Finance Receivables
ProceedsFromCollectionOfFinanceReceivables
628078000
us-gaap Proceeds From Collection Of Finance Receivables
ProceedsFromCollectionOfFinanceReceivables
597679000
us-gaap Payments To Acquire Intangible Assets
PaymentsToAcquireIntangibleAssets
3633000
us-gaap Payments To Acquire Intangible Assets
PaymentsToAcquireIntangibleAssets
2177000
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
2794000
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
2001000
us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
1900000
us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
2117000
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-84774000
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-161915000
us-gaap Proceeds From Lines Of Credit
ProceedsFromLinesOfCredit
821658000
us-gaap Proceeds From Lines Of Credit
ProceedsFromLinesOfCredit
894587000
us-gaap Repayments Of Lines Of Credit
RepaymentsOfLinesOfCredit
832264000
us-gaap Repayments Of Lines Of Credit
RepaymentsOfLinesOfCredit
948926000
us-gaap Proceeds From Accounts Receivable Securitization
ProceedsFromAccountsReceivableSecuritization
250000000
us-gaap Repayments Of Accounts Receivable Securitization
RepaymentsOfAccountsReceivableSecuritization
109228000
us-gaap Payments Of Debt Issuance Costs
PaymentsOfDebtIssuanceCosts
2763000
us-gaap Payments Of Debt Issuance Costs
PaymentsOfDebtIssuanceCosts
2733000
us-gaap Payments Related To Tax Withholding For Share Based Compensation
PaymentsRelatedToTaxWithholdingForShareBasedCompensation
998000
us-gaap Payments Related To Tax Withholding For Share Based Compensation
PaymentsRelatedToTaxWithholdingForShareBasedCompensation
1231000
us-gaap Payments Of Ordinary Dividends
PaymentsOfOrdinaryDividends
6210000
us-gaap Payments Of Ordinary Dividends
PaymentsOfOrdinaryDividends
5823000
us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
20613000
us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
289000
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-20288000
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
56033000
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
9663000
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
3541000
CY2022Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
131799000
CY2021Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
149189000
CY2023Q2 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
141462000
CY2022Q2 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
152730000
us-gaap Interest Paid Net
InterestPaidNet
29170000
us-gaap Interest Paid Net
InterestPaidNet
17750000
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
1188000
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
22694000
us-gaap Operating Lease Payments
OperatingLeasePayments
4738000
us-gaap Operating Lease Payments
OperatingLeasePayments
4241000
us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
4370000
us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
3802000
CY2023Q2 rm Dividends Payable Current And Noncurrent Net
DividendsPayableCurrentAndNoncurrentNet
-299000
CY2022Q2 rm Dividends Payable Current And Noncurrent Net
DividendsPayableCurrentAndNoncurrentNet
104000
CY2023Q2 us-gaap Cash
Cash
10330000
CY2022Q4 us-gaap Cash
Cash
3873000
CY2022Q2 us-gaap Cash
Cash
7928000
CY2023Q2 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
131132000
CY2022Q4 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
127926000
CY2022Q2 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
144802000
CY2023Q2 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
141462000
CY2022Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
131799000
CY2022Q2 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
152730000
us-gaap Nature Of Operations
NatureOfOperations
<p style="text-indent:0.0%;font-size:10.0pt;margin-top:13.5pt;font-family:Times New Roman;margin-bottom:0.0pt;text-align:left;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:&quot;Calibri&quot;, sans-serif;min-width:fit-content;">Note 1. Nature of Business</span><span style="color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:&quot;Calibri&quot;, sans-serif;min-width:fit-content;"> </span></p><p style="text-indent:0.0%;font-size:10.0pt;margin-top:4.5pt;font-family:Times New Roman;margin-bottom:0.0pt;text-align:left;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:&quot;Calibri&quot;, sans-serif;min-width:fit-content;">Regional Management Corp. (the “</span><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:&quot;Calibri&quot;, sans-serif;min-width:fit-content;">Company</span><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:&quot;Calibri&quot;, sans-serif;min-width:fit-content;">”) was incorporated and began operations in 1987. The Company is engaged in the consumer finance business, offering small loans, large loans, and related payment and collateral protection insurance products. The Company formerly offered retail loans but ceased accepting applications for retail loan products effective November 2022. The Company continues to own and service its existing portfolio of retail loans. As of June 30, 2023, the Company operated under the name “Regional Finance” online and in branch locations in </span><span style="font-size:10.0pt;font-family:&quot;Calibri&quot;, sans-serif;background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:&quot;Calibri&quot;, sans-serif;min-width:fit-content;">19</span><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:&quot;Calibri&quot;, sans-serif;min-width:fit-content;"> states across the United States.</span><span style="color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:&quot;Calibri&quot;, sans-serif;min-width:fit-content;"> </span></p><p style="text-indent:0.0%;font-size:10.0pt;margin-top:9.0pt;font-family:Times New Roman;margin-bottom:0.0pt;text-align:left;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:&quot;Calibri&quot;, sans-serif;min-width:fit-content;">The Company’s small loan portfolio is comprised of branch small loan receivables and convenience check receivables. Branch small loan receivables are direct loans to customers and are secured by non-essential household goods and, in some instances, an automobile. Convenience checks are direct loans originated by mailing checks to customers based on a pre-screening process that includes a review of the prospective customer’s credit profile provided by national credit reporting bureaus or data aggregators. A recipient of a convenience check is able to enter into a loan by endorsing and depositing or cashing the check. Large loan receivables are direct loans to customers, some of which are convenience check receivables and the vast majority of which are secured by non-essential household goods, automobiles, and/or other vehicles. Retail loan receivables consist principally of retail installment sales contracts collateralized by the purchased furniture, appliances, and other retail items and are initiated by and purchased from retailers, subject to the Company’s credit approval.</span></p><p style="text-indent:0.0%;font-size:10.0pt;margin-top:9.0pt;font-family:Times New Roman;margin-bottom:0.0pt;text-align:left;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:&quot;Calibri&quot;, sans-serif;min-width:fit-content;">The Company’s loan volume and contractual delinquency follow seasonal trends. Demand for the Company’s loans is typically highest during the second, third, and fourth quarters, which the Company believes is largely due to customers borrowing money for vacation, back-to-school, and holiday spending. Loan demand has generally been the lowest during the first quarter, which the Company believes is largely due to the timing of income tax refunds. Delinquencies generally reach their lowest point in the first half of the year and rise in the second half of the year. Changes in quarterly growth or liquidation could result in larger allowance for credit loss releases in periods of portfolio liquidation and larger provisions for credit losses in periods of portfolio growth. Consequently, the Company experiences seasonal fluctuations in its operating results. However, changes in macroeconomic factors, including inflation, rising interest rates, and geopolitical conflict, have impacted the Company’s typical seasonal trends for loan volume and delinquency.</span><span style="color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:&quot;Calibri&quot;, sans-serif;min-width:fit-content;"> </span></p>
CY2023Q2 us-gaap Number Of States In Which Entity Operates
NumberOfStatesInWhichEntityOperates
19
us-gaap Use Of Estimates
UseOfEstimates
<p style="text-indent:0.0%;font-size:10.0pt;margin-top:9.0pt;font-family:Times New Roman;margin-bottom:0.0pt;text-align:left;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:&quot;Calibri&quot;, sans-serif;font-style:italic;min-width:fit-content;">Use of estimates:</span><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:&quot;Calibri&quot;, sans-serif;min-width:fit-content;"> The preparation of financial statements requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, revenues and expenses, and disclosure of contingent assets and liabilities for the periods indicated in the financial statements. Actual results could differ from those estimates.</span><span style="color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:&quot;Calibri&quot;, sans-serif;min-width:fit-content;"> </span></p><p style="text-indent:0.0%;font-size:10.0pt;margin-top:9.0pt;font-family:Times New Roman;margin-bottom:0.0pt;text-align:left;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:&quot;Calibri&quot;, sans-serif;min-width:fit-content;">Estimates that are susceptible to change relate to the determination of the allowance for credit losses, the valuation of deferred tax assets and liabilities, and the fair value of financial instruments.</span><span style="color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:&quot;Calibri&quot;, sans-serif;min-width:fit-content;"> </span></p>
rm Threshold Period Past Due For Write Off Of Financing Receivables
ThresholdPeriodPastDueForWriteOffOfFinancingReceivables
P180D
rm Bankruptcy Threshold Period Past Due For Write Off Of Financing Receivables
BankruptcyThresholdPeriodPastDueForWriteOffOfFinancingReceivables
P60D
rm Finance Receivables Income Recognition Contractual Delinquent Period
FinanceReceivablesIncomeRecognitionContractualDelinquentPeriod
P90D
CY2023Q2 us-gaap Financing Receivable Threshold Period Past Due Writeoff
FinancingReceivableThresholdPeriodPastDueWriteoff
P90D
CY2023Q2 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1688937000
CY2022Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1699393000
CY2023Q2 us-gaap Unamortized Loan Commitment And Origination Fees And Unamortized Discounts Or Premiums
UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums
14600000
CY2022Q4 us-gaap Unamortized Loan Commitment And Origination Fees And Unamortized Discounts Or Premiums
UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums
16000000.0
rm Number Of Fico Band Categories
NumberOfFICOBandCategories
6
CY2023Q2 us-gaap Financing Receivable Originated In Current Fiscal Year
FinancingReceivableOriginatedInCurrentFiscalYear
631916000
CY2023Q2 us-gaap Financing Receivable Originated In Fiscal Year Before Latest Fiscal Year
FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear
783166000
CY2023Q2 us-gaap Financing Receivable Originated Two Years Before Latest Fiscal Year
FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear
220929000
CY2023Q2 us-gaap Financing Receivable Originated Three Years Before Latest Fiscal Year
FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear
41905000
CY2023Q2 us-gaap Financing Receivable Originated Four Years Before Latest Fiscal Year
FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear
9719000
CY2023Q2 us-gaap Financing Receivable Originated Five Or More Years Before Latest Fiscal Year
FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear
1302000
CY2023Q2 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1688937000
CY2023Q2 rm Financing Receivable Current Period Credit Losses In Current Fiscal Year
FinancingReceivableCurrentPeriodCreditLossesInCurrentFiscalYear
439000
CY2023Q2 rm Financing Receivable Credit Losses Before Latest Fiscal Year
FinancingReceivableCreditLossesBeforeLatestFiscalYear
67207000
CY2023Q2 rm Financing Receivable Credit Losses Two Years Before Latest Fiscal Year
FinancingReceivableCreditLossesTwoYearsBeforeLatestFiscalYear
29637000
CY2023Q2 rm Financing Receivable Credit Losses Three Years Before Latest Fiscal Year
FinancingReceivableCreditLossesThreeYearsBeforeLatestFiscalYear
3729000
CY2023Q2 rm Financing Receivable Credit Losses Four Years Before Latest Fiscal Year
FinancingReceivableCreditLossesFourYearsBeforeLatestFiscalYear
1033000
CY2023Q2 rm Financing Receivable Credit Losses More Than Five Years Before Latest Fiscal Year
FinancingReceivableCreditLossesMoreThanFiveYearsBeforeLatestFiscalYear
173000
CY2023Q2 rm Loans And Leases Receivable Current Period Credit Losses
LoansAndLeasesReceivableCurrentPeriodCreditLosses
102218000
CY2022Q4 us-gaap Financing Receivable Originated In Current Fiscal Year
FinancingReceivableOriginatedInCurrentFiscalYear
1223479000
CY2022Q4 us-gaap Financing Receivable Originated In Fiscal Year Before Latest Fiscal Year
FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear
376467000
CY2022Q4 us-gaap Financing Receivable Originated Two Years Before Latest Fiscal Year
FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear
74424000
CY2022Q4 us-gaap Financing Receivable Originated Three Years Before Latest Fiscal Year
FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear
22270000
CY2022Q4 us-gaap Financing Receivable Originated Four Years Before Latest Fiscal Year
FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear
1779000
CY2022Q4 us-gaap Financing Receivable Originated Five Or More Years Before Latest Fiscal Year
FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear
974000
CY2022Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1699393000
CY2023Q2 us-gaap Financing Receivable Percent Past Due1
FinancingReceivablePercentPastDue1
0.069
CY2023Q2 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1688937000
CY2023Q2 rm Finance Receivable Net Percent
FinanceReceivableNetPercent
1
CY2023Q2 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
61403000
CY2023Q2 rm Financing Receivable Recorded Investment Nonaccrual Status Percent
FinancingReceivableRecordedInvestmentNonaccrualStatusPercent
0.036
CY2022Q4 us-gaap Financing Receivable Percent Past Due1
FinancingReceivablePercentPastDue1
0.071
CY2022Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1699393000
CY2022Q4 rm Finance Receivable Net Percent
FinanceReceivableNetPercent
1
CY2022Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
60061000
CY2022Q4 rm Financing Receivable Recorded Investment Nonaccrual Status Percent
FinancingReceivableRecordedInvestmentNonaccrualStatusPercent
0.035
CY2023Q2 us-gaap Financing Receivable Accrued Interest Writeoff
FinancingReceivableAccruedInterestWriteoff
6400000
CY2022Q2 us-gaap Financing Receivable Accrued Interest Writeoff
FinancingReceivableAccruedInterestWriteoff
4400000
us-gaap Financing Receivable Accrued Interest Writeoff
FinancingReceivableAccruedInterestWriteoff
11100000
us-gaap Financing Receivable Accrued Interest Writeoff
FinancingReceivableAccruedInterestWriteoff
8000000.0
CY2023Q1 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
183800000
CY2023Q2 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
52551000
CY2023Q2 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
57609000
CY2023Q2 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
2658000
CY2023Q2 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
181400000
CY2023Q2 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1688937000
CY2023Q2 rm Allowance Percentage Of Finance Receivables
AllowancePercentageOfFinanceReceivables
0.107
CY2022Q1 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
158800000
CY2022Q2 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
45400000
CY2022Q2 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
38258000
CY2022Q2 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
1558000
CY2022Q2 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
167500000
CY2022Q2 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1525659000
CY2022Q2 rm Allowance Percentage Of Finance Receivables
AllowancePercentageOfFinanceReceivables
0.110
CY2022Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
178800000
us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
100219000
us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
102218000
us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
4599000
CY2023Q2 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
181400000
CY2023Q2 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1688937000
CY2023Q2 rm Allowance Percentage Of Finance Receivables
AllowancePercentageOfFinanceReceivables
0.107
CY2021Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
159300000
us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
76258000
us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
71038000
us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
2980000
CY2022Q2 us-gaap Loans And Leases Receivable Allowance
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CY2023Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
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