$RM
Regional Management Corp.

2024 Q1 Form 10-K Financial Statement

#000095017024018892 Filed on February 22, 2024

View on sec.gov

Income Statement

Concept 2024 Q1 2023 Q4 2023
Revenue $144.3M $141.7M $551.4M
YoY Change 6.6% 7.3% 8.72%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin $48.51M $52.77M $197.7M
YoY Change -22.63% 17.51% -16.91%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $3.498M $3.434M $14.63M
YoY Change -14.22% -2.99% 15.33%
% of Gross Profit
Operating Expenses $106.9M $133.7M $463.2M
YoY Change 70.44% 15.31% 94.68%
Operating Profit
YoY Change
Interest Expense -$17.50M -$17.51M -$67.46M
YoY Change 4.3% 17.87% 97.13%
% of Operating Profit
Other Income/Expense, Net $11.94M $45.44M
YoY Change 7.95% 7.95%
Pretax Income $19.93M -$9.532M $20.78M
YoY Change 71.76% -873.7% -68.18%
Income Tax $4.728M -$1.958M $4.825M
% Of Pretax Income 23.72% 23.22%
Net Earnings $15.21M -$7.574M $15.96M
YoY Change 74.99% -416.77% -68.85%
Net Earnings / Revenue 10.54% -5.35% 2.89%
Basic Earnings Per Share $1.59 $1.70
Diluted Earnings Per Share $1.56 -$0.80 $1.66
COMMON SHARES
Basic Shares Outstanding 9.759M 9.835M 9.398M
Diluted Shares Outstanding 9.746M 9.593M

Balance Sheet

Concept 2024 Q1 2023 Q4 2023
SHORT-TERM ASSETS
Cash & Short-Term Investments $4.215M $4.509M $4.509M
YoY Change -40.7% 16.42% 16.42%
Cash & Equivalents $122.4M $128.7M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $4.215M $4.509M $4.509M
YoY Change -40.7% 16.42% 16.42%
LONG-TERM ASSETS
Property, Plant & Equipment $46.84M $48.09M $48.09M
YoY Change 212.29% 231.06% -1.95%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments $22.60M $22.74M $22.74M
YoY Change 0.48% 11.38% 11.38%
Other Assets $131.7M $137.8M $137.8M
YoY Change -7.18% -2.77% -2.77%
Total Long-Term Assets $1.753B $1.790B $1.790B
YoY Change 3.45% 4.0% 4.0%
TOTAL ASSETS
Total Short-Term Assets $4.215M $4.509M $4.509M
Total Long-Term Assets $1.753B $1.790B $1.790B
Total Assets $1.757B $1.795B $1.795B
YoY Change 3.27% 4.03% 4.03%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $29.76M $40.44M $40.44M
YoY Change 14.23% 19.67% 19.67%
Accrued Expenses $35.68M $36.58M $36.58M
YoY Change -3.32% -0.37% -0.37%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00 $0.00
YoY Change
Long-Term Debt Due $441.3M
YoY Change
Total Short-Term Liabilities $65.44M $77.02M $77.02M
YoY Change 3.94% 9.23% 9.23%
LONG-TERM LIABILITIES
Long-Term Debt $1.355B $1.395B $1.395B
YoY Change 2.53% 3.67% 3.67%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $1.355B $1.395B $1.395B
YoY Change 2.53% 3.67% 3.67%
TOTAL LIABILITIES
Total Short-Term Liabilities $65.44M $77.02M $77.02M
Total Long-Term Liabilities $1.355B $1.395B $1.395B
Total Liabilities $1.420B $1.472B $1.472B
YoY Change 2.59% 3.95% 3.95%
SHAREHOLDERS EQUITY
Retained Earnings $361.8M $349.6M
YoY Change 2.98% 1.17%
Common Stock $125.0M $123.2M
YoY Change 7.89% 8.25%
Preferred Stock
YoY Change
Treasury Stock (at cost) $150.1M $150.1M
YoY Change 0.0% 0.0%
Treasury Stock Shares
Shareholders Equity $336.5M $322.3M $322.3M
YoY Change
Total Liabilities & Shareholders Equity $1.757B $1.795B $1.795B
YoY Change 3.27% 4.03% 4.03%

Cashflow Statement

Concept 2024 Q1 2023 Q4 2023
OPERATING ACTIVITIES
Net Income $15.21M -$7.574M $15.96M
YoY Change 74.99% -416.77% -68.85%
Depreciation, Depletion And Amortization $3.498M $3.434M $14.63M
YoY Change -14.22% -2.99% 15.33%
Cash From Operating Activities $58.47M $66.87M $249.2M
YoY Change 11.06% 11.32% 11.07%
INVESTING ACTIVITIES
Capital Expenditures $1.026M $2.770M $4.692M
YoY Change -37.7% -43.1% -20.12%
Acquisitions
YoY Change
Other Investing Activities -$16.70M -$81.75M -$266.7M
YoY Change -0.71% -44.28% -38.83%
Cash From Investing Activities -$20.33M -$84.62M -$278.7M
YoY Change 0.64% -44.18% -37.69%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities -44.41M 21.93M 26.43M
YoY Change 48.21% -79.37% -87.14%
NET CHANGE
Cash From Operating Activities 58.47M 66.87M 249.2M
Cash From Investing Activities -20.33M -84.62M -278.7M
Cash From Financing Activities -44.41M 21.93M 26.43M
Net Change In Cash -6.264M 4.174M -3.126M
YoY Change -351.87% -71.79% -82.02%
FREE CASH FLOW
Cash From Operating Activities $58.47M $66.87M $249.2M
Capital Expenditures $1.026M $2.770M $4.692M
Free Cash Flow $57.45M $64.10M $244.5M
YoY Change 12.63% 16.11% 11.91%

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7399000
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CY2022 us-gaap Profit Loss
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CY2021 us-gaap Profit Loss
ProfitLoss
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CY2023 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
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CY2022 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
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CY2021 us-gaap Provision For Doubtful Accounts
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CY2023 us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
14634000
CY2022 us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
12689000
CY2021 us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
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CY2023 us-gaap Amortization Of Deferred Loan Origination Fees Net
AmortizationOfDeferredLoanOriginationFeesNet
14644000
CY2022 us-gaap Amortization Of Deferred Loan Origination Fees Net
AmortizationOfDeferredLoanOriginationFeesNet
15843000
CY2021 us-gaap Amortization Of Deferred Loan Origination Fees Net
AmortizationOfDeferredLoanOriginationFeesNet
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CY2023 us-gaap Gain Loss On Sale Of Property Plant Equipment
GainLossOnSaleOfPropertyPlantEquipment
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CY2022 us-gaap Gain Loss On Sale Of Property Plant Equipment
GainLossOnSaleOfPropertyPlantEquipment
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CY2021 us-gaap Gain Loss On Sale Of Property Plant Equipment
GainLossOnSaleOfPropertyPlantEquipment
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CY2023 us-gaap Share Based Compensation
ShareBasedCompensation
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CY2022 us-gaap Share Based Compensation
ShareBasedCompensation
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CY2021 us-gaap Share Based Compensation
ShareBasedCompensation
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DeferredIncomeTaxesAndTaxCredits
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CY2021 us-gaap Deferred Income Taxes And Tax Credits
DeferredIncomeTaxesAndTaxCredits
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IncreaseDecreaseInUnearnedPremiums
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CY2022 us-gaap Increase Decrease In Unearned Premiums
IncreaseDecreaseInUnearnedPremiums
3171000
CY2021 us-gaap Increase Decrease In Unearned Premiums
IncreaseDecreaseInUnearnedPremiums
13292000
CY2023 rm Increase Decrease In Lease Assets
IncreaseDecreaseInLeaseAssets
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CY2022 rm Increase Decrease In Lease Assets
IncreaseDecreaseInLeaseAssets
5800000
CY2021 rm Increase Decrease In Lease Assets
IncreaseDecreaseInLeaseAssets
1605000
CY2023 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
4144000
CY2022 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
13271000
CY2021 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
8443000
CY2023 us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
7628000
CY2022 us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
-14642000
CY2021 us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
10153000
CY2023 rm Increase Decrease In Lease Liabilities
IncreaseDecreaseInLeaseLiabilities
-136000
CY2022 rm Increase Decrease In Lease Liabilities
IncreaseDecreaseInLeaseLiabilities
6012000
CY2021 rm Increase Decrease In Lease Liabilities
IncreaseDecreaseInLeaseLiabilities
1499000
CY2023 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
249166000
CY2022 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
224332000
CY2021 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
189015000
CY2023 us-gaap Payments To Acquire Loans Receivable
PaymentsToAcquireLoansReceivable
1544948000
CY2022 us-gaap Payments To Acquire Loans Receivable
PaymentsToAcquireLoansReceivable
1643537000
CY2021 us-gaap Payments To Acquire Loans Receivable
PaymentsToAcquireLoansReceivable
1452634000
CY2023 us-gaap Proceeds From Collection Of Finance Receivables
ProceedsFromCollectionOfFinanceReceivables
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CY2022 us-gaap Proceeds From Collection Of Finance Receivables
ProceedsFromCollectionOfFinanceReceivables
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CY2021 us-gaap Proceeds From Collection Of Finance Receivables
ProceedsFromCollectionOfFinanceReceivables
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CY2023 us-gaap Payments To Acquire Intangible Assets
PaymentsToAcquireIntangibleAssets
7378000
CY2022 us-gaap Payments To Acquire Intangible Assets
PaymentsToAcquireIntangibleAssets
5534000
CY2021 us-gaap Payments To Acquire Intangible Assets
PaymentsToAcquireIntangibleAssets
3273000
CY2023 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
4692000
CY2022 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
5874000
CY2021 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
3588000
CY2023 us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
5900000
CY2022 us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
23974000
CY2022 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
3130000
CY2023 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
4061000
CY2023 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-278723000
CY2022 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
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CY2021 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
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CY2023 us-gaap Proceeds From Lines Of Credit
ProceedsFromLinesOfCredit
1645346000
CY2022 us-gaap Proceeds From Lines Of Credit
ProceedsFromLinesOfCredit
1832412000
CY2021 us-gaap Proceeds From Lines Of Credit
ProceedsFromLinesOfCredit
1901870000
CY2023 us-gaap Repayments Of Lines Of Credit
RepaymentsOfLinesOfCredit
1566736000
CY2022 us-gaap Repayments Of Lines Of Credit
RepaymentsOfLinesOfCredit
1910717000
CY2021 us-gaap Repayments Of Lines Of Credit
RepaymentsOfLinesOfCredit
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CY2022 us-gaap Proceeds From Accounts Receivable Securitization
ProceedsFromAccountsReceivableSecuritization
433720000
CY2021 us-gaap Proceeds From Accounts Receivable Securitization
ProceedsFromAccountsReceivableSecuritization
573700000
CY2023 us-gaap Repayments Of Accounts Receivable Securitization
RepaymentsOfAccountsReceivableSecuritization
34890000
CY2022 us-gaap Repayments Of Accounts Receivable Securitization
RepaymentsOfAccountsReceivableSecuritization
109228000
CY2021 us-gaap Repayments Of Accounts Receivable Securitization
RepaymentsOfAccountsReceivableSecuritization
150857000
CY2023 us-gaap Payments Of Debt Issuance Costs
PaymentsOfDebtIssuanceCosts
2769000
CY2022 us-gaap Payments Of Debt Issuance Costs
PaymentsOfDebtIssuanceCosts
5656000
CY2021 us-gaap Payments Of Debt Issuance Costs
PaymentsOfDebtIssuanceCosts
8907000
CY2023 us-gaap Payments Related To Tax Withholding For Share Based Compensation
PaymentsRelatedToTaxWithholdingForShareBasedCompensation
2923000
CY2022 us-gaap Payments Related To Tax Withholding For Share Based Compensation
PaymentsRelatedToTaxWithholdingForShareBasedCompensation
2993000
CY2021 us-gaap Payments Related To Tax Withholding For Share Based Compensation
PaymentsRelatedToTaxWithholdingForShareBasedCompensation
9951000
CY2021 rm Proceeds From Short Swing Profit Disgorgement
ProceedsFromShortSwingProfitDisgorgement
81000
CY2023 us-gaap Payments Of Ordinary Dividends
PaymentsOfOrdinaryDividends
11886000
CY2022 us-gaap Payments Of Ordinary Dividends
PaymentsOfOrdinaryDividends
11353000
CY2021 us-gaap Payments Of Ordinary Dividends
PaymentsOfOrdinaryDividends
9537000
CY2022 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
20613000
CY2021 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
67442000
CY2023 us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
289000
CY2023 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
26431000
CY2022 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
205572000
CY2021 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
243356000
CY2023 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
-3126000
CY2022 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
-17390000
CY2021 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
77313000
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
CY2020Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
71876000
CY2023Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
128673000
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
CY2023 us-gaap Interest Paid Net
InterestPaidNet
60083000
CY2022 us-gaap Interest Paid Net
InterestPaidNet
40475000
CY2021 us-gaap Interest Paid Net
InterestPaidNet
29428000
CY2023 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
3050000
CY2022 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
26963000
CY2021 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
23077000
CY2023 us-gaap Operating Lease Payments
OperatingLeasePayments
10193000
CY2022 us-gaap Operating Lease Payments
OperatingLeasePayments
9071000
CY2021 us-gaap Operating Lease Payments
OperatingLeasePayments
9729000
CY2023 us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
8084000
CY2022 us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
13493000
CY2021 us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
9717000
CY2023Q4 us-gaap Cash
Cash
4509000
CY2022Q4 us-gaap Cash
Cash
3873000
CY2021Q4 us-gaap Cash
Cash
10507000
CY2023Q4 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
124164000
CY2022Q4 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
127926000
CY2021Q4 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
138682000
CY2023Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
128673000
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
CY2023 us-gaap Nature Of Operations
NatureOfOperations
<p style="font-size:10pt;margin-top:9pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><span style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Calibri',sans-serif;min-width:fit-content;">Note 1. Nature of Business</span></p><p style="font-size:10pt;margin-top:4.5pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><span style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:'Calibri',sans-serif;min-width:fit-content;">Regional Management Corp. (the “</span><span style="color:#000000;white-space:pre-wrap;text-decoration:underline;font-size:10pt;font-family:'Calibri',sans-serif;min-width:fit-content;">Company</span><span style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:'Calibri',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 December 31, 2023, the Company operated under the name “Regional Finance” online and in branch locations in </span><span style="font-size:10pt;font-family:'Calibri',sans-serif;color:#000000;white-space:pre-wrap;min-width:fit-content;">19</span><span style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:'Calibri',sans-serif;min-width:fit-content;"> states across the United States.</span><span style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:'Calibri',sans-serif;min-width:fit-content;"> </span></p><p style="font-size:10pt;margin-top:9pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><span style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:'Calibri',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="font-size:10pt;margin-top:9pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><span style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:'Calibri',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:#000000;white-space:pre-wrap;font-size:10pt;font-family:'Calibri',sans-serif;min-width:fit-content;"> </span></p>
CY2023Q4 us-gaap Number Of States In Which Entity Operates
NumberOfStatesInWhichEntityOperates
19
CY2023 us-gaap Number Of Reportable Segments
NumberOfReportableSegments
1
CY2023Q4 us-gaap Unamortized Loan Commitment And Origination Fees And Unamortized Discounts Or Premiums
UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums
15100000
CY2023 us-gaap Use Of Estimates
UseOfEstimates
<p style="font-size:10pt;margin-top:9pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><span style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:'Calibri',sans-serif;font-style:italic;min-width:fit-content;">Use of estimates:</span><span style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:'Calibri',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:#000000;white-space:pre-wrap;font-size:10pt;font-family:'Calibri',sans-serif;min-width:fit-content;"> </span></p><p style="font-size:10pt;margin-top:9pt;font-family:Times New Roman;margin-bottom:0;text-align:left;"><span style="color:#000000;white-space:pre-wrap;font-size:10pt;font-family:'Calibri',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:#000000;white-space:pre-wrap;font-size:10pt;font-family:'Calibri',sans-serif;min-width:fit-content;"> </span></p>
CY2023 rm Finance Receivables Income Recognition Contractual Delinquent Period
FinanceReceivablesIncomeRecognitionContractualDelinquentPeriod
P90D
CY2023Q4 us-gaap Financing Receivable Threshold Period Past Due Writeoff
FinancingReceivableThresholdPeriodPastDueWriteoff
P90D
CY2023 rm Threshold Period Past Due For Write Off Of Financing Receivables
ThresholdPeriodPastDueForWriteOffOfFinancingReceivables
P180D
CY2023 rm Bankruptcy Threshold Period Past Due For Write Off Of Financing Receivables
BankruptcyThresholdPeriodPastDueForWriteOffOfFinancingReceivables
P60D
CY2023 us-gaap Concentration Risk Geographic
ConcentrationRiskGeographic
Customers living in Texas, North Carolina, and South Carolina accounted for 32%, 16%, and 10%, respectively, of the Company’s net finance receivables as of December 31, 2023.
CY2023Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1771410000
CY2022Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1699393000
CY2022Q4 us-gaap Unamortized Loan Commitment And Origination Fees And Unamortized Discounts Or Premiums
UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums
16000000.0
CY2023 rm Number Of Fico Band Categories
NumberOfFICOBandCategories
6
CY2023Q4 us-gaap Financing Receivable Originated In Current Fiscal Year
FinancingReceivableOriginatedInCurrentFiscalYear
1170429000
CY2023Q4 us-gaap Financing Receivable Originated In Fiscal Year Before Latest Fiscal Year
FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear
447496000
CY2023Q4 us-gaap Financing Receivable Originated Two Years Before Latest Fiscal Year
FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear
127651000
CY2023Q4 us-gaap Financing Receivable Originated Three Years Before Latest Fiscal Year
FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear
21627000
CY2023Q4 us-gaap Financing Receivable Originated Four Years Before Latest Fiscal Year
FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear
3533000
CY2023Q4 us-gaap Financing Receivable Originated Five Or More Years Before Latest Fiscal Year
FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear
674000
CY2023Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1771410000
CY2023Q4 rm Financing Receivable Current Period Credit Losses In Current Fiscal Year
FinancingReceivableCurrentPeriodCreditLossesInCurrentFiscalYear
29013000
CY2023Q4 rm Financing Receivable Credit Losses Before Latest Fiscal Year
FinancingReceivableCreditLossesBeforeLatestFiscalYear
140012000
CY2023Q4 rm Financing Receivable Credit Losses Two Years Before Latest Fiscal Year
FinancingReceivableCreditLossesTwoYearsBeforeLatestFiscalYear
44291000
CY2023Q4 rm Financing Receivable Credit Losses Three Years Before Latest Fiscal Year
FinancingReceivableCreditLossesThreeYearsBeforeLatestFiscalYear
5803000
CY2023Q4 rm Financing Receivable Credit Losses Four Years Before Latest Fiscal Year
FinancingReceivableCreditLossesFourYearsBeforeLatestFiscalYear
1549000
CY2023Q4 rm Financing Receivable Credit Losses More Than Five Years Before Latest Fiscal Year
FinancingReceivableCreditLossesMoreThanFiveYearsBeforeLatestFiscalYear
265000
CY2023Q4 rm Loans And Leases Receivable Current Period Credit Losses
LoansAndLeasesReceivableCurrentPeriodCreditLosses
220933000
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
CY2023Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1771410000
CY2023Q4 rm Finance Receivable Net Percent
FinanceReceivableNetPercent
1
CY2023Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
66871000
CY2023Q4 rm Financing Receivable Recorded Investment Nonaccrual Status Percent
FinancingReceivableRecordedInvestmentNonaccrualStatusPercent
0.038
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
CY2023 us-gaap Financing Receivable Accrued Interest Writeoff
FinancingReceivableAccruedInterestWriteoff
24200000
CY2022 us-gaap Financing Receivable Accrued Interest Writeoff
FinancingReceivableAccruedInterestWriteoff
20200000
CY2021 us-gaap Financing Receivable Accrued Interest Writeoff
FinancingReceivableAccruedInterestWriteoff
8900000
CY2022Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
178800000
CY2023 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
220034000
CY2023 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
220933000
CY2023 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
9499000
CY2023Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
187400000
CY2023Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1771410000
CY2023Q4 rm Allowance Percentage Of Finance Receivables
AllowancePercentageOfFinanceReceivables
0.106
CY2021Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
159300000
CY2022 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
185115000
CY2022 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
172063000
CY2022 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
6448000
CY2022Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
178800000
CY2022Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1699393000
CY2022Q4 rm Allowance Percentage Of Finance Receivables
AllowancePercentageOfFinanceReceivables
0.105
CY2020Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
150000000
CY2021 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
89015000
CY2021 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
83652000
CY2021 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
3937000
CY2021Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
159300000
CY2021Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1426257000
CY2021Q4 rm Allowance Percentage Of Finance Receivables
AllowancePercentageOfFinanceReceivables
0.112
CY2023 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
16400000
CY2023 us-gaap Financing Receivable Modification To Total Financing Receivables Percent
FinancingReceivableModificationToTotalFinancingReceivablesPercent
0.009
CY2023 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
1631000
CY2022 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
7220
CY2022 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
27494000
CY2021 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
4652
CY2021 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
16078000
CY2022 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
2678
CY2022 rm Tdr Finance Receivables Defaulted
TDRFinanceReceivablesDefaulted
10432000
CY2021 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
1667
CY2021 rm Tdr Finance Receivables Defaulted
TDRFinanceReceivablesDefaulted
5468000
CY2023Q4 us-gaap Debt Securities Available For Sale Accrued Interest After Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss
300000
CY2022Q4 us-gaap Debt Securities Available For Sale Accrued Interest After Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss
300000
CY2023 rm Debt Securities Available For Sale Accrued Interest After Allowance For Credit Loss Statement Of Financial Position Extensible List Not Disclosed Flag
DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleListNotDisclosedFlag
true
CY2022 rm Debt Securities Available For Sale Accrued Interest After Allowance For Credit Loss Statement Of Financial Position Extensible List Not Disclosed Flag
DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleListNotDisclosedFlag
true
CY2023Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Three
LesseeOperatingLeaseLiabilityPaymentsDueYearThree
7000000
CY2023Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Four
LesseeOperatingLeaseLiabilityPaymentsDueYearFour
5241000
CY2023Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
44108000
CY2022Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
42283000
CY2023Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
30321000
CY2022Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
27757000
CY2023Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
13787000
CY2022Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
14526000
CY2023 us-gaap Depreciation
Depreciation
4600000
CY2022 us-gaap Depreciation
Depreciation
4100000
CY2021 us-gaap Depreciation
Depreciation
4500000
CY2023Q4 us-gaap Lessee Operating Lease Liability Payments Due Next Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths
9681000
CY2023Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Two
LesseeOperatingLeaseLiabilityPaymentsDueYearTwo
8802000
CY2023Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Five
LesseeOperatingLeaseLiabilityPaymentsDueYearFive
3767000
CY2023Q4 us-gaap Lessee Operating Lease Liability Payments Due After Year Five
LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive
8475000
CY2023Q4 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
42966000
CY2023Q4 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
6390000
CY2023Q4 us-gaap Operating Lease Liability
OperatingLeaseLiability
36576000
CY2023 us-gaap Operating Lease Cost
OperatingLeaseCost
10587000
CY2022 us-gaap Operating Lease Cost
OperatingLeaseCost
9457000
CY2021 us-gaap Operating Lease Cost
OperatingLeaseCost
9573000
CY2023 us-gaap Short Term Lease Cost
ShortTermLeaseCost
447000
CY2022 us-gaap Short Term Lease Cost
ShortTermLeaseCost
745000
CY2021 us-gaap Short Term Lease Cost
ShortTermLeaseCost
648000
CY2023 us-gaap Lease Cost
LeaseCost
11034000
CY2022 us-gaap Lease Cost
LeaseCost
10202000
CY2021 us-gaap Lease Cost
LeaseCost
10221000
CY2023Q4 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P5Y6M
CY2022Q4 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P6Y1M6D
CY2023Q4 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.0575
CY2022Q4 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.0546
CY2023 us-gaap Operating Lease Expense
OperatingLeaseExpense
11000000.0
CY2022 us-gaap Operating Lease Expense
OperatingLeaseExpense
10200000
CY2021 us-gaap Operating Lease Expense
OperatingLeaseExpense
10200000
CY2023Q4 us-gaap Finite Lived Intangible Assets Gross
FiniteLivedIntangibleAssetsGross
31775000
CY2023Q4 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
15929000
CY2023Q4 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
15846000
CY2022Q4 us-gaap Finite Lived Intangible Assets Gross
FiniteLivedIntangibleAssetsGross
26313000
CY2022Q4 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
14191000
CY2022Q4 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
12122000
CY2023 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
3700000
CY2022 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
2900000
CY2021 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
2400000
CY2023Q4 us-gaap Prepaid Expense Current And Noncurrent
PrepaidExpenseCurrentAndNoncurrent
9661000
CY2022Q4 us-gaap Prepaid Expense Current And Noncurrent
PrepaidExpenseCurrentAndNoncurrent
9115000
CY2023Q4 us-gaap Income Tax Receivable
IncomeTaxReceivable
7260000
CY2022Q4 us-gaap Income Tax Receivable
IncomeTaxReceivable
8598000
CY2023Q4 us-gaap Credit Card Receivables
CreditCardReceivables
5666000
CY2022Q4 us-gaap Credit Card Receivables
CreditCardReceivables
5118000
CY2023Q4 us-gaap Other Receivables
OtherReceivables
2759000
CY2022Q4 us-gaap Other Receivables
OtherReceivables
2748000
CY2023Q4 rm Warehouse Credit Facilities Debt Issue Costs
WarehouseCreditFacilitiesDebtIssueCosts
2362000
CY2022Q4 rm Warehouse Credit Facilities Debt Issue Costs
WarehouseCreditFacilitiesDebtIssueCosts
1314000
CY2023Q4 us-gaap Other Assets Miscellaneous
OtherAssetsMiscellaneous
1711000
CY2022Q4 us-gaap Other Assets Miscellaneous
OtherAssetsMiscellaneous
1315000
CY2023Q4 us-gaap Other Assets
OtherAssets
29419000
CY2022Q4 us-gaap Other Assets
OtherAssets
28208000
CY2021Q4 us-gaap Interest Rate Derivative Assets At Fair Value
InterestRateDerivativeAssetsAtFairValue
6586000
CY2020Q4 us-gaap Interest Rate Derivative Assets At Fair Value
InterestRateDerivativeAssetsAtFairValue
265000
CY2021 rm Derivative Interest Rate Cap Purchases
DerivativeInterestRateCapPurchases
3600000
CY2022 rm Derivative Interest Rate Cap Sales
DerivativeInterestRateCapSales
19720000
CY2022 us-gaap Increase Decrease In Fair Value Of Interest Rate Fair Value Hedging Instruments1
IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1
13134000
CY2021 us-gaap Increase Decrease In Fair Value Of Interest Rate Fair Value Hedging Instruments1
IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1
2721000
CY2021Q4 us-gaap Interest Rate Derivative Assets At Fair Value
InterestRateDerivativeAssetsAtFairValue
6586000
CY2023Q4 us-gaap Debt Instrument Carrying Amount
DebtInstrumentCarryingAmount
1399814000
CY2023Q4 us-gaap Debt Instrument Unamortized Discount Premium And Debt Issuance Costs Net
DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet
4578000
CY2023Q4 us-gaap Long Term Debt
LongTermDebt
1395236000
CY2022Q4 us-gaap Debt Instrument Carrying Amount
DebtInstrumentCarryingAmount
1355359000
CY2022Q4 us-gaap Debt Instrument Unamortized Discount Premium And Debt Issuance Costs Net
DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet
9512000
CY2022Q4 us-gaap Long Term Debt
LongTermDebt
1345847000
CY2023Q4 us-gaap Line Of Credit Facility Remaining Borrowing Capacity
LineOfCreditFacilityRemainingBorrowingCapacity
551508000
CY2022Q4 us-gaap Line Of Credit Facility Remaining Borrowing Capacity
LineOfCreditFacilityRemainingBorrowingCapacity
555117000
CY2021Q2 us-gaap Stock Repurchase Program Authorized Amount1
StockRepurchaseProgramAuthorizedAmount1
30000000
CY2021Q3 rm Increase Decrease In Authorized Amount Under Stock Repurchase Program
IncreaseDecreaseInAuthorizedAmountUnderStockRepurchaseProgram
20000000
CY2021Q2 us-gaap Stock Repurchase Program Authorized Amount1
StockRepurchaseProgramAuthorizedAmount1
30000000
CY2021Q3 us-gaap Stock Repurchase Program Authorized Amount1
StockRepurchaseProgramAuthorizedAmount1
50000000
us-gaap Stock Repurchased During Period Shares
StockRepurchasedDuringPeriodShares
945000
CY2022Q1 us-gaap Stock Repurchase Program Authorized Amount1
StockRepurchaseProgramAuthorizedAmount1
20000000
us-gaap Stock Repurchased During Period Shares
StockRepurchasedDuringPeriodShares
426000
CY2022 us-gaap Stock Repurchased During Period Shares
StockRepurchasedDuringPeriodShares
437000
CY2021 us-gaap Stock Repurchased During Period Shares
StockRepurchasedDuringPeriodShares
1450000
CY2022 rm Share Based Compensation Arrangement By Share Based Payment Award Per Share Weighted Average Price Of Shares Repurchased
ShareBasedCompensationArrangementByShareBasedPaymentAwardPerShareWeightedAveragePriceOfSharesRepurchased
47.14
CY2021 rm Share Based Compensation Arrangement By Share Based Payment Award Per Share Weighted Average Price Of Shares Repurchased
ShareBasedCompensationArrangementByShareBasedPaymentAwardPerShareWeightedAveragePriceOfSharesRepurchased
46.47
CY2022 us-gaap Stock Repurchased During Period Value
StockRepurchasedDuringPeriodValue
20613000
CY2021 us-gaap Stock Repurchased During Period Value
StockRepurchasedDuringPeriodValue
67442000
CY2023 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
1.20
CY2022 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
1.20
CY2021 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.95
CY2023 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
3567000
CY2022 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
7383000
CY2021 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
24735000
CY2023 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
1146000
CY2022 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
1948000
CY2021 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
3350000
CY2023 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
4713000
CY2022 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
9331000
CY2021 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
28085000
CY2023 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
289000
CY2022 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
5247000
CY2021 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
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CY2023 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
-177000
CY2022 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
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CY2021 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
-130000
CY2023 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
112000
CY2022 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
4766000
CY2021 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
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CY2023 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
4825000
CY2022 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
14097000
CY2021 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
23786000
CY2023 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
4364000
CY2023 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
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CY2022 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
13717000
CY2022 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
0.210
CY2021 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
23619000
CY2021 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
0.210
CY2023 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
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CY2023 us-gaap Effective Income Tax Rate Reconciliation State And Local Income Taxes
EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes
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CY2022 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
1134000
CY2022 us-gaap Effective Income Tax Rate Reconciliation State And Local Income Taxes
EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes
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CY2021 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
2620000
CY2021 us-gaap Effective Income Tax Rate Reconciliation State And Local Income Taxes
EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes
0.023
CY2023 us-gaap Income Tax Reconciliation Nondeductible Expense Share Based Compensation Cost
IncomeTaxReconciliationNondeductibleExpenseShareBasedCompensationCost
1021000
CY2023 us-gaap Effective Income Tax Rate Reconciliation Nondeductible Expense Share Based Compensation Cost
EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost
0.049
CY2022 us-gaap Income Tax Reconciliation Nondeductible Expense Share Based Compensation Cost
IncomeTaxReconciliationNondeductibleExpenseShareBasedCompensationCost
627000
CY2022 us-gaap Effective Income Tax Rate Reconciliation Nondeductible Expense Share Based Compensation Cost
EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost
0.010
CY2021 us-gaap Income Tax Reconciliation Nondeductible Expense Share Based Compensation Cost
IncomeTaxReconciliationNondeductibleExpenseShareBasedCompensationCost
672000
CY2021 us-gaap Effective Income Tax Rate Reconciliation Nondeductible Expense Share Based Compensation Cost
EffectiveIncomeTaxRateReconciliationNondeductibleExpenseShareBasedCompensationCost
0.006
CY2023 us-gaap Effective Income Tax Rate Reconciliation Share Based Compensation Excess Tax Benefit Amount
EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount
301000
CY2023 us-gaap Effective Income Tax Rate Reconciliation Share Based Compensation Excess Tax Benefit Percent
EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitPercent
0.014
CY2022 us-gaap Effective Income Tax Rate Reconciliation Share Based Compensation Excess Tax Benefit Amount
EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount
-344000
CY2022 us-gaap Effective Income Tax Rate Reconciliation Share Based Compensation Excess Tax Benefit Percent
EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitPercent
-0.005
CY2022Q4 us-gaap Deferred Tax Liabilities Deferred Expense Other Capitalized Costs
DeferredTaxLiabilitiesDeferredExpenseOtherCapitalizedCosts
4076000
CY2021 us-gaap Effective Income Tax Rate Reconciliation Share Based Compensation Excess Tax Benefit Amount
EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount
-2711000
CY2021 us-gaap Effective Income Tax Rate Reconciliation Share Based Compensation Excess Tax Benefit Percent
EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitPercent
-0.024
CY2023 us-gaap Income Tax Reconciliation Tax Credits Research
IncomeTaxReconciliationTaxCreditsResearch
1459000
CY2023 us-gaap Effective Income Tax Rate Reconciliation Tax Credits Research
EffectiveIncomeTaxRateReconciliationTaxCreditsResearch
0.070
CY2022 us-gaap Income Tax Reconciliation Tax Credits Research
IncomeTaxReconciliationTaxCreditsResearch
1222000
CY2022 us-gaap Effective Income Tax Rate Reconciliation Tax Credits Research
EffectiveIncomeTaxRateReconciliationTaxCreditsResearch
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CY2023 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
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CY2023 us-gaap Effective Income Tax Rate Reconciliation Other Reconciling Items Percent
EffectiveIncomeTaxRateReconciliationOtherReconcilingItemsPercent
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CY2022 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
185000
CY2022 us-gaap Effective Income Tax Rate Reconciliation Other Reconciling Items Percent
EffectiveIncomeTaxRateReconciliationOtherReconcilingItemsPercent
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CY2021 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
-414000
CY2021 us-gaap Effective Income Tax Rate Reconciliation Other Reconciling Items Percent
EffectiveIncomeTaxRateReconciliationOtherReconcilingItemsPercent
-0.004
CY2023 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
4825000
CY2023 us-gaap Effective Income Tax Rate Continuing Operations
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CY2022 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
14097000
CY2022 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
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CY2021 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
23786000
CY2021 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
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CY2023Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
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CY2022Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
41877000
CY2023Q4 rm Deferred Tax Assets Lease Liabilities
DeferredTaxAssetsLeaseLiabilities
8711000
CY2022Q4 rm Deferred Tax Assets Lease Liabilities
DeferredTaxAssetsLeaseLiabilities
8782000
CY2023Q4 rm Deferred Tax Assets Unearned Insurance Commissions
DeferredTaxAssetsUnearnedInsuranceCommissions
7729000
CY2022Q4 rm Deferred Tax Assets Unearned Insurance Commissions
DeferredTaxAssetsUnearnedInsuranceCommissions
8345000
CY2023Q4 rm Deferred Tax Assets Research And Experimental Expenditures
DeferredTaxAssetsResearchAndExperimentalExpenditures
4100000
CY2022Q4 rm Deferred Tax Assets Research And Experimental Expenditures
DeferredTaxAssetsResearchAndExperimentalExpenditures
2060000
CY2023Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost
2870000
CY2022Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost
2512000
CY2023Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Accrued Liabilities
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities
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CY2022Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Accrued Liabilities
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities
2081000
CY2023Q4 us-gaap Deferred Tax Assets Operating Loss Carryforwards State And Local
DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal
1548000
CY2022Q4 us-gaap Deferred Tax Assets Operating Loss Carryforwards State And Local
DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal
1478000
CY2023Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Unearned Premiums Reserve
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsUnearnedPremiumsReserve
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CY2022Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Unearned Premiums Reserve
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsUnearnedPremiumsReserve
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CY2023Q4 us-gaap Deferred Tax Assets Other
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134000
CY2022Q4 us-gaap Deferred Tax Assets Other
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222000
CY2023Q4 us-gaap Deferred Tax Assets Gross
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72059000
CY2022Q4 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
68010000
CY2023Q4 us-gaap Deferred Tax Liabilities Financing Arrangements
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CY2022Q4 us-gaap Deferred Tax Liabilities Financing Arrangements
DeferredTaxLiabilitiesFinancingArrangements
37415000
CY2023Q4 us-gaap Deferred Tax Liabilities Leasing Arrangements
DeferredTaxLiabilitiesLeasingArrangements
8173000
CY2022Q4 us-gaap Deferred Tax Liabilities Leasing Arrangements
DeferredTaxLiabilitiesLeasingArrangements
8268000
CY2023Q4 us-gaap Deferred Tax Liabilities Deferred Expense Deferred Financing Costs
DeferredTaxLiabilitiesDeferredExpenseDeferredFinancingCosts
3658000
CY2022Q4 us-gaap Deferred Tax Liabilities Deferred Expense Deferred Financing Costs
DeferredTaxLiabilitiesDeferredExpenseDeferredFinancingCosts
3282000
CY2023Q4 us-gaap Deferred Tax Liabilities Deferred Expense Other Capitalized Costs
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