$RM
Regional Management Corp.

2013 Q4 Form 10-K Financial Statement

#000119312515094003 Filed on March 16, 2015

View on sec.gov

Income Statement

Concept 2013 Q4 2013 Q3 2013 Q2
Revenue $48.54M $44.31M $39.18M
YoY Change 31.59% 25.25% 22.8%
Cost Of Revenue $0.00
YoY Change
Gross Profit $48.21M
YoY Change -0.68%
Gross Profit Margin 99.32%
Selling, General & Admin $14.86M $18.52M $18.69M
YoY Change 2.55% 23.41% 121.14%
% of Gross Profit 30.82%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.000M $800.0K $1.000M
YoY Change 42.86% 33.33% 66.67%
% of Gross Profit 2.07%
Operating Expenses $31.71M $18.52M $18.69M
YoY Change 1.9% 23.41% 54.43%
Operating Profit $16.50M
YoY Change -5.28%
Interest Expense $3.909M $3.913M $3.241M
YoY Change 29.27% 44.66% 38.45%
% of Operating Profit 23.69%
Other Income/Expense, Net $3.703M $3.413M
YoY Change 31.78% 50.49%
Pretax Income $12.59M $11.78M $10.20M
YoY Change -6.88% 6.15% -2.96%
Income Tax $5.130M $4.539M $3.793M
% Of Pretax Income 40.75% 38.53% 37.2%
Net Earnings $8.385M $7.241M $6.404M
YoY Change 29.62% 6.36% -0.73%
Net Earnings / Revenue 17.27% 16.34% 16.34%
Basic Earnings Per Share $0.66 $0.58 $0.51
Diluted Earnings Per Share $0.65 $0.56 $0.50
COMMON SHARES
Basic Shares Outstanding 12.61M shares 12.59M shares 12.58M shares
Diluted Shares Outstanding 12.93M shares 12.88M shares

Balance Sheet

Concept 2013 Q4 2013 Q3 2013 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments $4.100M $7.900M $2.900M
YoY Change 24.24% 79.55% 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 $4.100M $7.900M -$22.70M
YoY Change 24.24% -144.63% 22.7%
LONG-TERM ASSETS
Property, Plant & Equipment $7.100M $7.088M $6.991M
YoY Change 38.92% 38.98% 39.82%
Goodwill $716.0K $716.0K $716.0K
YoY Change 97.25%
Intangibles $1.462M $1.537M
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets $529.8M $505.2M $482.6M
YoY Change 22.86% 22.61% 34.22%
TOTAL ASSETS
Total Short-Term Assets $4.100M $7.900M -$22.70M
Total Long-Term Assets $529.8M $505.2M $482.6M
Total Assets $533.9M $513.1M $459.9M
YoY Change 22.87% 30.12% 34.84%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $7.300M $5.200M $4.900M
YoY Change 4.29% -3.7% -26.87%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00 $0.00
YoY Change -100.0% -100.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $7.300M $5.200M $4.900M
YoY Change 4.29% -23.53% -36.36%
LONG-TERM LIABILITIES
Long-Term Debt $362.8M $347.7M $302.3M
YoY Change 24.08% 34.61% 42.13%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $362.8M $347.7M $302.3M
YoY Change 24.08% 34.61% 42.13%
TOTAL LIABILITIES
Total Short-Term Liabilities $7.300M $5.200M $4.900M
Total Long-Term Liabilities $362.8M $347.7M $302.3M
Total Liabilities $372.7M $359.8M $314.5M
YoY Change 22.08% 32.95% 40.08%
SHAREHOLDERS EQUITY
Retained Earnings $76.59M $70.37M $62.75M
YoY Change 60.24%
Common Stock $84.58M $82.92M $82.71M
YoY Change 3.9%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $161.2M $153.3M $145.5M
YoY Change
Total Liabilities & Shareholders Equity $533.9M $513.1M $459.9M
YoY Change 22.87% 30.12% 34.84%

Cashflow Statement

Concept 2013 Q4 2013 Q3 2013 Q2
OPERATING ACTIVITIES
Net Income $8.385M $7.241M $6.404M
YoY Change 29.62% 6.36% -0.73%
Depreciation, Depletion And Amortization $1.000M $800.0K $1.000M
YoY Change 42.86% 33.33% 66.67%
Cash From Operating Activities $22.20M $19.80M $13.80M
YoY Change 39.62% 48.87% -13.75%
INVESTING ACTIVITIES
Capital Expenditures -$700.0K -$700.0K -$1.900M
YoY Change 75.0% 40.0% 171.43%
Acquisitions
YoY Change
Other Investing Activities -$40.90M -$59.70M -$38.00M
YoY Change -16.02% 5.29% 16.56%
Cash From Investing Activities -$41.70M -$60.20M -$39.90M
YoY Change -15.07% 5.24% 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 15.60M 45.50M 28.10M
YoY Change -51.25% -1.09% 63.37%
NET CHANGE
Cash From Operating Activities 22.20M 19.80M 13.80M
Cash From Investing Activities -41.70M -60.20M -39.90M
Cash From Financing Activities 15.60M 45.50M 28.10M
Net Change In Cash -3.900M 5.100M 2.000M
YoY Change 225.0% 142.86% -2100.0%
FREE CASH FLOW
Cash From Operating Activities $22.20M $19.80M $13.80M
Capital Expenditures -$700.0K -$700.0K -$1.900M
Free Cash Flow $22.90M $20.50M $15.70M
YoY Change 40.49% 48.55% -5.99%

Facts In Submission

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CY2014Q4 us-gaap Liabilities
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CY2014Q4 us-gaap Operating Leases Future Minimum Payments Due Current
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341419000
CY2014Q4 us-gaap Long Term Debt
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CY2014Q4 us-gaap Goodwill
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CY2014Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value
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CY2014Q4 rm Amount Of Specific Reserve For Impaired Accounts
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1616000
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CY2014Q4 rm Average Financing Receivable Individually Evaluated For Impairment
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CY2014Q4 rm Financing Receivable Recorded Investment Nonaccrual Status Percent
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CY2014Q4 rm Financing Receivable Recorded Investment Thirty To Fifty Nine Days Past Due Percent
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0.029 pure
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CY2014Q4 rm Number Of New Offices Acquired During Period Net
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1 Office
CY2014Q4 rm Number Of Branches Merged Into Existing Regional Offices
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0 Branches
CY2014Q4 rm Allowance Percentage Of Finance Receivables
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0.074 pure
CY2014Q4 rm Financing Receivable Recorded Investment One To Twenty Nine Days Past Due Percent
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0.151 pure
CY2014Q4 rm Financing Receivable Recorded Investment Past Due Percent
FinancingReceivableRecordedInvestmentPastDuePercent
0.075 pure
CY2014Q4 rm Financing Receivable Recorded Investment Sixty To Eighty Nine Days Past Due Percent
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0.018 pure
CY2014Q4 rm Finance Receivable Net Percent
FinanceReceivableNetPercent
1.000 pure
CY2014Q4 rm Financing Receivable Recorded Investment Ninety To Hundred And Nineteen Days Past Due
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6899000
CY2014Q4 rm Financing Receivable Recorded Investment Hundred And Twenty To Hundred And Forty Nine Days Past Due
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4988000
CY2014Q4 rm Financing Receivable Recorded Investment Hundred And Fifty To Hundred And Seventy Nine Days Past Due
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3674000
CY2014Q4 rm Financing Receivable Recorded Investment Ninety To Hundred And Nineteen Days Past Due Percent
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0.012 pure
CY2014Q4 rm Financing Receivable Recorded Investment Hundred And Twenty To Hundred And Forty Nine Days Past Due Percent
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CY2014Q4 rm Financing Receivable Recorded Investment Hundred And Fifty To Hundred And Seventy Nine Days Past Due Percent
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CY2014Q4 rm Financing Receivable Recorded Investment Equal To Greater Than Hundred And Eighty Days Past Due Percent
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CY2014Q4 us-gaap Deferred Tax Assets Goodwill And Intangible Assets
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609000
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CY2014Q4 us-gaap Financing Receivable Recorded Investment60 To89 Days Past Due
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CY2014Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
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CY2014Q4 us-gaap Loans And Leases Receivable Net Reported Amount
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CY2014Q4 us-gaap Restricted Cash And Cash Equivalents
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1900000
CY2014Q4 us-gaap Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Intangibles
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32000
CY2014Q4 us-gaap Business Combination Recognized Identifiable Assets Acquired Goodwill And Liabilities Assumed Net
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CY2014Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
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847000
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CY2014Q4 us-gaap Assets Fair Value Disclosure Nonrecurring
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556000
CY2014Q4 us-gaap Deferred Tax Assets Deferred Income
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CY2014Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost
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1694000
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CY2014Q4 us-gaap Other Assets
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CY2014Q4 us-gaap Property Plant And Equipment Gross
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CY2014Q4 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Intrinsic Value1
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CY2014Q4 us-gaap Deferred Finance Costs Net
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CY2014Q4 us-gaap Foreclosed Assets
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CY2014Q4 us-gaap Assets
Assets
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CY2014Q4 us-gaap Deferred Tax Assets Liabilities Net
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1870000
CY2014Q4 us-gaap Deferred Tax Assets Net
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1870000
CY2014Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
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15620000
CY2014Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Two
FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo
264000
CY2014Q4 us-gaap Operating Loss Carryforwards
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2500000
CY2014Q4 us-gaap Pledged Financial Instruments Not Separately Reported Securities For Letter Of Credit Facilities
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1900000
CY2014Q4 us-gaap Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Other Noncurrent Assets
BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherNoncurrentAssets
0
CY2014Q4 us-gaap Cash
Cash
4012000
CY2014Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Next Twelve Months
FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths
374000
CY2014Q4 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
422342000
CY2014Q4 us-gaap Income Taxes Receivable
IncomeTaxesReceivable
1611000
CY2014Q4 us-gaap Business Combination Acquired Receivables Fair Value
BusinessCombinationAcquiredReceivablesFairValue
96000
CY2014Q4 us-gaap Deferred Tax Assets Operating Loss Carryforwards State And Local
DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal
69000
CY2014Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Three
FiniteLivedIntangibleAssetsAmortizationExpenseYearThree
164000
CY2014Q4 us-gaap Financing Receivable Recorded Investment1 To29 Days Past Due
FinancingReceivableRecordedInvestment1To29DaysPastDue
82714000
CY2014Q4 us-gaap Financing Receivable Recorded Investment30 To59 Days Past Due
FinancingReceivableRecordedInvestment30To59DaysPastDue
15951000
CY2014Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
539989000
CY2014Q4 rm Foreclosed And Repossessed Fair Value Adjustment
ForeclosedAndRepossessedFairValueAdjustment
566000
CY2013Q4 us-gaap Stock Issued During Period Shares New Issues
StockIssuedDuringPeriodSharesNewIssues
4484 shares
CY2013Q4 rm Percent Of Shares Foregone For Tax Obligation
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0.40 pure
CY2013Q4 rm Board Compensation Grant Period
BoardCompensationGrantPeriod
P5D
CY2013Q2 us-gaap Line Of Credit Facility Increase Decrease For Period Net
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1900000
CY2014Q3 us-gaap Threshold Period Past Due For Writeoff Of Financing Receivable
ThresholdPeriodPastDueForWriteoffOfFinancingReceivable
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CY2013 us-gaap Allowance For Loan And Lease Losses Period Increase Decrease
AllowanceForLoanAndLeaseLossesPeriodIncreaseDecrease
3700000
CY2013 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
2.23
CY2013 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
321395 shares
CY2013 us-gaap Net Cash Provided By Used In Operating Activities Continuing Operations
NetCashProvidedByUsedInOperatingActivitiesContinuingOperations
72590000
CY2013 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Dividend Rate
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0.0000 pure
CY2013 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Fair Value Assumptions Expected Term1
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P10Y
CY2013 us-gaap Financing Receivable Allowance For Credit Losses Factors That Influenced Managements Judgment
FinancingReceivableAllowanceForCreditLossesFactorsThatInfluencedManagementsJudgment
The methodology for estimating the allowance for credit losses changed from the trailing eight to trailing six month losses on branch small loans and convenience checks, trailing twelve to trailing ten month losses on large loans, and trailing twelve to trailing eleven month losses on retail loans.
CY2013 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Risk Free Interest Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate
0.0203 pure
CY2013 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
12.09
CY2013 us-gaap Weighted Average Number Of Diluted Shares Outstanding
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CY2013 us-gaap Earnings Per Share Basic
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2.29
CY2013 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
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0.35 pure
CY2013 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Volatility Rate
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0.4774 pure
CY2013 us-gaap Weighted Average Number Of Shares Outstanding Basic
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12572298 shares
CY2013 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
517000
CY2013 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
152343000
CY2013 us-gaap Increase Decrease In Restricted Cash
IncreaseDecreaseInRestrictedCash
562000
CY2013 us-gaap Income Taxes Paid Net
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16205000
CY2013 us-gaap Stock Granted During Period Value Sharebased Compensation
StockGrantedDuringPeriodValueSharebasedCompensation
869000
CY2013 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
137031000
CY2013 us-gaap Insurance Services Revenue
InsuranceServicesRevenue
11470000
CY2013 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
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CY2013 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
46254000
CY2013 us-gaap Stock Issued During Period Value Stock Options Exercised
StockIssuedDuringPeriodValueStockOptionsExercised
873000
CY2013 us-gaap Payments To Acquire Businesses Net Of Cash Acquired
PaymentsToAcquireBusinessesNetOfCashAcquired
575000
CY2013 us-gaap Other Income
OtherIncome
6816000
CY2013 us-gaap Payments To Acquire Finance Receivables
PaymentsToAcquireFinanceReceivables
357000
CY2013 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
1031000
CY2013 us-gaap Payments Of Debt Issuance Costs
PaymentsOfDebtIssuanceCosts
1065000
CY2013 us-gaap Revenues
Revenues
170629000
CY2013 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
4152000
CY2013 us-gaap Net Income Loss
NetIncomeLoss
28794000
CY2013 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
702000
CY2013 us-gaap Adjustments To Additional Paid In Capital Tax Effect From Share Based Compensation
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731000
CY2013 us-gaap Premiums Written Net
PremiumsWrittenNet
17260000
CY2013 us-gaap Premiums Earned Net
PremiumsEarnedNet
16057000
CY2013 us-gaap Increase Decrease In Fair Value Of Interest Rate Fair Value Hedging Instruments1
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CY2013 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
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CY2013 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
17460000
CY2013 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
18297000
CY2013 us-gaap Depreciation
Depreciation
2174000
CY2013 us-gaap Deferred Tax Expense From Stock Options Exercised
DeferredTaxExpenseFromStockOptionsExercised
731000
CY2013 us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
3459000
CY2013 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
159000
CY2013 us-gaap Interest Expense
InterestExpense
14144000
CY2013 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
-745000
CY2013 us-gaap Labor And Related Expense
LaborAndRelatedExpense
39868000
CY2013 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
39192000
CY2013 us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
33750000
CY2013 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
676000
CY2013 us-gaap Cash And Cash Equivalents Period Increase Decrease
CashAndCashEquivalentsPeriodIncreaseDecrease
823000
CY2013 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
16189000
CY2013 us-gaap Fair Value Net Derivative Asset Liability Measured On Recurring Basis Unobservable Inputs Reconciliation Purchases
FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputsReconciliationPurchases
0
CY2013 us-gaap Goodwill Acquired During Period
GoodwillAcquiredDuringPeriod
353000
CY2013 us-gaap Net Cash Provided By Used In Financing Activities Continuing Operations
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70910000
CY2013 us-gaap Occupancy Net
OccupancyNet
11640000
CY2013 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
2457000
CY2013 us-gaap Defined Contribution Plan Cost Recognized
DefinedContributionPlanCostRecognized
416000
CY2013 us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
0
CY2013 us-gaap Marketing Expense
MarketingExpense
3980000
CY2013 us-gaap Net Cash Provided By Used In Investing Activities Continuing Operations
NetCashProvidedByUsedInInvestingActivitiesContinuingOperations
-142677000
CY2013 us-gaap Other Expenses
OtherExpenses
15551000
CY2013 us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
873000
CY2013 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
20754000
CY2013 us-gaap Costs And Expenses
CostsAndExpenses
124375000
CY2013 us-gaap Deferred Income Taxes And Tax Credits
DeferredIncomeTaxesAndTaxCredits
-3294000
CY2013 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
1112000
CY2013 us-gaap Interest Expense Long Term Debt
InterestExpenseLongTermDebt
14144000
CY2013 us-gaap Lease And Rental Expense
LeaseAndRentalExpense
4339000
CY2013 us-gaap Proceeds From Repayments Of Lines Of Credit
ProceedsFromRepaymentsOfLinesOfCredit
70371000
CY2013 us-gaap Share Based Compensation
ShareBasedCompensation
1571000
CY2013 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
2448000
CY2013 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
-2549000
CY2013 us-gaap Increase Decrease In Other Operating Liabilities
IncreaseDecreaseInOtherOperatingLiabilities
324000
CY2013 rm Number Of Offices Opened
NumberOfOfficesOpened
43 Office
CY2013 rm Accretion Amortization Of Discounts On Purchased Receivables
AccretionAmortizationOfDiscountsOnPurchasedReceivables
434000
CY2013 rm Interest Paid To Third Parties
InterestPaidToThirdParties
13468000
CY2013 rm Guaranteed Auto Protection Revenue
GuaranteedAutoProtectionRevenue
242000
CY2013 rm Expected Cumulative Pretax Income Position Period
ExpectedCumulativePretaxIncomePositionPeriod
P3Y
CY2013 rm Allowance For Loan And Lease Losses Period Increase Decrease Due To Change In Estimates
AllowanceForLoanAndLeaseLossesPeriodIncreaseDecreaseDueToChangeInEstimates
-3901000
CY2013 rm Percentage Of Finance Receivables Associated With Customers In Bankruptcy As To Aggregate Finance Receivable
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0.013 pure
CY2013 rm Change In Estimate Increase Decrease Net Income
ChangeInEstimateIncreaseDecreaseNetIncome
2428000
CY2013 rm Change In Estimate Increase Decrease In Diluted Earnings Per Share
ChangeInEstimateIncreaseDecreaseInDilutedEarningsPerShare
0.19
CY2013 rm Maximum Percentage Of Employee Contribution Above Three Percent Eligible For Fifty Percent Match
MaximumPercentageOfEmployeeContributionAboveThreePercentEligibleForFiftyPercentMatch
0.02 pure
CY2013 rm Percentage Of Company Match Up To Three Percent
PercentageOfCompanyMatchUpToThreePercent
1.00 pure
CY2013 rm Percentage Of Company Match From Three To Five Percent
PercentageOfCompanyMatchFromThreeToFivePercent
0.50 pure
CY2013 rm Maximum Percentage Of Employee Contribution Eligible For Hundred Percent Match
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0.03 pure
CY2013 rm Allowance For Loan And Lease Losses Period Increase Decrease Net Income
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2303000
CY2013 rm Allowance For Loan And Lease Losses Period Increase Decrease Dilutive Earnings Per Share
AllowanceForLoanAndLeaseLossesPeriodIncreaseDecreaseDilutiveEarningsPerShare
0.18
CY2014 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.14
CY2014 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice
5.88
CY2014 us-gaap Shares Paid For Tax Withholding For Share Based Compensation
SharesPaidForTaxWithholdingForShareBasedCompensation
196000 shares
CY2014 dei Document Type
DocumentType
10-K
CY2014 dei Entity Registrant Name
EntityRegistrantName
Regional Management Corp.
CY2014 dei Entity Well Known Seasoned Issuer
EntityWellKnownSeasonedIssuer
No
CY2014 dei Trading Symbol
TradingSymbol
RM
CY2014 us-gaap Advertising Cost Policy Expensed Advertising Cost
AdvertisingCostPolicyExpensedAdvertisingCost
<div> <p style="MARGIN-BOTTOM: 0pt; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; MARGIN-TOP: 12pt"> <b>Marketing costs:</b>&#xA0;Marketing costs are expensed as incurred.</p> </div>
CY2014 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Expirations In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod
7000 shares
CY2014 dei Entity Filer Category
EntityFilerCategory
Accelerated Filer
CY2014 dei Entity Voluntary Filers
EntityVoluntaryFilers
No
CY2014 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
250358 shares
CY2014 us-gaap Net Cash Provided By Used In Operating Activities Continuing Operations
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85520000
CY2014 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Dividend Rate
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CY2014 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Fair Value Assumptions Expected Term1
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P6Y2M16D
CY2014 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod
72000 shares
CY2014 us-gaap Concentration Risk Geographic
ConcentrationRiskGeographic
The Company's portfolio of finance receivables is with customers living in five southeastern states (Alabama, Georgia, North Carolina, South Carolina, and Tennessee) and three southwestern states (Oklahoma, New Mexico and Texas)
CY2014 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
155000 shares
CY2014 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Risk Free Interest Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate
0.0194 pure
CY2014 us-gaap Use Of Estimates
UseOfEstimates
<div> <p style="MARGIN-BOTTOM: 0pt; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; MARGIN-TOP: 12pt"> <b>Use of estimates:</b>&#xA0;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.</p> <p style="MARGIN-BOTTOM: 0pt; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; MARGIN-TOP: 12pt"> Material estimates that are particularly susceptible to change relate to the determination of the allowance for credit losses, fair value of stock based compensation, the valuation of deferred tax assets and liabilities, and the allocation of the purchase price to assets acquired in business combinations.</p> </div>
CY2014 dei Document Period End Date
DocumentPeriodEndDate
2014-12-31
CY2014 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2
P4Y6M
CY2014 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
7.83
CY2014 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Expirations In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice
15.00
CY2014 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Forfeitures In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice
16.90
CY2014 dei Amendment Flag
AmendmentFlag
false
CY2014 dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
--12-31
CY2014 dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2014
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