$RM
Regional Management Corp.

2014 Q2 Form 10-Q Financial Statement

#000119312514300652 Filed on August 07, 2014

View on sec.gov

Income Statement

Concept 2014 Q2 2013 Q2
Revenue $47.44M $39.18M
YoY Change 21.07% 22.8%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin $24.95M $18.69M
YoY Change 33.51% 121.14%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.000M $1.000M
YoY Change 0.0% 66.67%
% of Gross Profit
Operating Expenses $24.95M $18.69M
YoY Change 33.51% 54.43%
Operating Profit
YoY Change
Interest Expense $3.556M $3.241M
YoY Change 9.72% 38.45%
% of Operating Profit
Other Income/Expense, Net $4.667M $3.413M
YoY Change 36.74% 50.49%
Pretax Income $7.063M $10.20M
YoY Change -30.73% -2.96%
Income Tax $2.649M $3.793M
% Of Pretax Income 37.51% 37.2%
Net Earnings $4.414M $6.404M
YoY Change -31.07% -0.73%
Net Earnings / Revenue 9.3% 16.34%
Basic Earnings Per Share $0.35 $0.51
Diluted Earnings Per Share $0.34 $0.50
COMMON SHARES
Basic Shares Outstanding 12.69M shares 12.58M shares
Diluted Shares Outstanding 12.92M shares 12.88M shares

Balance Sheet

Concept 2014 Q2 2013 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments $3.600M $2.900M
YoY Change 24.14% 26.09%
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables -$25.60M
Other Receivables $0.00
Total Short-Term Assets $3.600M -$22.70M
YoY Change -115.86% 22.7%
LONG-TERM ASSETS
Property, Plant & Equipment $7.929M $6.991M
YoY Change 13.42% 39.82%
Goodwill $716.0K $716.0K
YoY Change 0.0%
Intangibles $1.537M
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets $500.4M $482.6M
YoY Change 3.68% 34.22%
TOTAL ASSETS
Total Short-Term Assets $3.600M -$22.70M
Total Long-Term Assets $500.4M $482.6M
Total Assets $504.0M $459.9M
YoY Change 9.58% 34.84%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $6.700M $4.900M
YoY Change 36.73% -26.87%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00
YoY Change -100.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $6.700M $4.900M
YoY Change 36.73% -36.36%
LONG-TERM LIABILITIES
Long-Term Debt $324.6M $302.3M
YoY Change 7.38% 42.13%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $324.6M $302.3M
YoY Change 7.38% 42.13%
TOTAL LIABILITIES
Total Short-Term Liabilities $6.700M $4.900M
Total Long-Term Liabilities $324.6M $302.3M
Total Liabilities $332.1M $314.5M
YoY Change 5.61% 40.08%
SHAREHOLDERS EQUITY
Retained Earnings $86.62M $62.75M
YoY Change 38.04%
Common Stock $85.25M $82.71M
YoY Change 3.07%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $171.9M $145.5M
YoY Change
Total Liabilities & Shareholders Equity $504.0M $459.9M
YoY Change 9.58% 34.84%

Cashflow Statement

Concept 2014 Q2 2013 Q2
OPERATING ACTIVITIES
Net Income $4.414M $6.404M
YoY Change -31.07% -0.73%
Depreciation, Depletion And Amortization $1.000M $1.000M
YoY Change 0.0% 66.67%
Cash From Operating Activities $13.90M $13.80M
YoY Change 0.72% -13.75%
INVESTING ACTIVITIES
Capital Expenditures -$1.200M -$1.900M
YoY Change -36.84% 171.43%
Acquisitions
YoY Change
Other Investing Activities -$29.60M -$38.00M
YoY Change -22.11% 16.56%
Cash From Investing Activities -$30.90M -$39.90M
YoY Change -22.56% 19.82%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 14.20M 28.10M
YoY Change -49.47% 63.37%
NET CHANGE
Cash From Operating Activities 13.90M 13.80M
Cash From Investing Activities -30.90M -39.90M
Cash From Financing Activities 14.20M 28.10M
Net Change In Cash -2.800M 2.000M
YoY Change -240.0% -2100.0%
FREE CASH FLOW
Cash From Operating Activities $13.90M $13.80M
Capital Expenditures -$1.200M -$1.900M
Free Cash Flow $15.10M $15.70M
YoY Change -3.82% -5.99%

Facts In Submission

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us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
1662000
us-gaap Proceeds From Repayments Of Lines Of Credit
ProceedsFromRepaymentsOfLinesOfCredit
9900000
us-gaap Proceeds From Sale And Collection Of Finance Receivables
ProceedsFromSaleAndCollectionOfFinanceReceivables
36806000
us-gaap Occupancy Net
OccupancyNet
5213000
us-gaap Labor And Related Expense
LaborAndRelatedExpense
20105000
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
7791000
rm Accretion Amortization Of Discounts On Purchased Receivables
AccretionAmortizationOfDiscountsOnPurchasedReceivables
330000
dei Entity Registrant Name
EntityRegistrantName
Regional Management Corp.
dei Amendment Flag
AmendmentFlag
false
dei Entity Filer Category
EntityFilerCategory
Accelerated Filer
dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2014
dei Document Type
DocumentType
10-Q
dei Document Period End Date
DocumentPeriodEndDate
2014-06-30
dei Entity Central Index Key
EntityCentralIndexKey
0001519401
dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
--12-31
dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
Q2
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.77
us-gaap Weighted Average Number Of Diluted Shares Outstanding
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ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice
us-gaap Earnings Per Share Basic
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0.79
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P5Y2M12D
us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
us-gaap Net Cash Provided By Used In Operating Activities Continuing Operations
NetCashProvidedByUsedInOperatingActivitiesContinuingOperations
38982000
us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
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us-gaap Weighted Average Number Of Shares Outstanding Basic
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12673177 shares
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shares
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ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice
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0 shares
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Weighted Average Remaining Contractual Term1
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us-gaap Stock Issued During Period Shares Stock Options Exercised
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<div> <p style="MARGIN-BOTTOM: 0pt; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; MARGIN-TOP: 12pt"> <b>Reclassifications:</b> Certain prior period amounts have been reclassified to conform to the current presentation. Such reclassifications had no impact on previously reported net income or stockholders&#x2019; equity.</p> </div>
us-gaap Use Of Estimates
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us-gaap Interest Paid Net
InterestPaidNet
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us-gaap Revenues
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us-gaap Stock Issued During Period Value Issued For Services
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388000
us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
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us-gaap Allowance For Doubtful Accounts Receivable Recoveries
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CostsAndExpenses
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us-gaap Other Expenses
OtherExpenses
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DeferredTaxExpenseFromStockOptionsExercised
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us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
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us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
316000
us-gaap Share Based Compensation
ShareBasedCompensation
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us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
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us-gaap Cash And Cash Equivalents Period Increase Decrease
CashAndCashEquivalentsPeriodIncreaseDecrease
-559000
us-gaap Marketing Expense
MarketingExpense
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us-gaap Net Cash Provided By Used In Investing Activities Continuing Operations
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us-gaap Interest Expense
InterestExpense
7319000
us-gaap Increase Decrease In Other Operating Liabilities
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-593000
us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
90000
us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
2034000
us-gaap Proceeds From Repayments Of Lines Of Credit
ProceedsFromRepaymentsOfLinesOfCredit
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us-gaap Occupancy Net
OccupancyNet
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us-gaap Labor And Related Expense
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24242000
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
6014000
rm Finance Receivable Portfolio Turnover Rate
FinanceReceivablePortfolioTurnoverRate
1.4 pure
rm Percentage Of Finance Receivables Associated With Customers In Bankruptcy As To Aggregate Finance Receivable
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rm Accretion Amortization Of Discounts On Purchased Receivables
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CY2013 us-gaap Adjustments To Additional Paid In Capital Share Based Compensation Stock Options Requisite Service Period Recognition
AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition
702000
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StockIssuedDuringPeriodValueStockOptionsExercised
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NetIncomeLoss
28794000
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AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation
731000
CY2013 rm Percentage Of Finance Receivables Associated With Customers In Bankruptcy As To Aggregate Finance Receivable
PercentageOfFinanceReceivablesAssociatedWithCustomersInBankruptcyAsToAggregateFinanceReceivable
0.013 pure
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IncreaseDecreaseInEmployeeRelatedLiabilities
1400000
CY2013Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.50
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WeightedAverageNumberOfDilutedSharesOutstanding
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EarningsPerShareBasic
0.51
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296175 shares
CY2013Q2 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
0 shares
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CY2013Q2 us-gaap Revenues
Revenues
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CY2013Q2 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
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10197000
CY2013Q2 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
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259000
CY2013Q2 us-gaap Other Income
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1490000
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InsuranceServicesRevenue
2772000
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CostsAndExpenses
28985000
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CY2013Q2 us-gaap Allowance For Doubtful Accounts Receivable Write Offs
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7675000
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ShareBasedCompensation
179000
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1347000
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InterestExpense
3241000
CY2013Q2 us-gaap Occupancy Net
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2697000
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LaborAndRelatedExpense
9882000
CY2013Q2 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
3793000
CY2014Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.34
CY2014Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
12915673 shares
CY2014Q2 us-gaap Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized Period For Recognition1
EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1
P3Y3M18D
CY2014Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
12691227 shares
CY2014Q2 us-gaap Revenues
Revenues
47437000
CY2014Q2 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
7063000
CY2014Q2 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
428000
CY2014Q2 us-gaap Other Income
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CY2014Q2 us-gaap Interest And Fee Income Loans And Leases
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4414000
CY2014Q2 us-gaap Employee Service Share Based Compensation Tax Benefit From Compensation Expense
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0.35
CY2014Q2 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
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CY2014Q2 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
0 shares
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CY2014Q2 us-gaap Allowance For Doubtful Accounts Receivable Write Offs
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IncomeTaxExpenseBenefit
2649000
CY2014Q2 rm Number Of Offices Opened
NumberOfOfficesOpened
12 Branches

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