$RM
Regional Management Corp.

2015 Q2 Form 10-Q Financial Statement

#000119312515272919 Filed on July 31, 2015

View on sec.gov

Income Statement

Concept 2015 Q2 2014 Q2
Revenue $53.00M $47.44M
YoY Change 11.73% 21.07%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin $30.25M $24.95M
YoY Change 21.26% 33.51%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $900.0K $1.000M
YoY Change -10.0% 0.0%
% of Gross Profit
Operating Expenses $30.25M $24.95M
YoY Change 21.26% 33.51%
Operating Profit
YoY Change
Interest Expense $3.932M $3.556M
YoY Change 10.57% 9.72%
% of Operating Profit
Other Income/Expense, Net $5.796M $4.667M
YoY Change 24.19% 36.74%
Pretax Income $8.724M $7.063M
YoY Change 23.52% -30.73%
Income Tax $3.316M $2.649M
% Of Pretax Income 38.01% 37.51%
Net Earnings $5.408M $4.414M
YoY Change 22.52% -31.07%
Net Earnings / Revenue 10.2% 9.3%
Basic Earnings Per Share $0.42 $0.35
Diluted Earnings Per Share $0.41 $0.34
COMMON SHARES
Basic Shares Outstanding 12.85M shares 12.69M shares
Diluted Shares Outstanding 13.08M shares 12.92M shares

Balance Sheet

Concept 2015 Q2 2014 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments $4.800M $3.600M
YoY Change 33.33% 24.14%
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $4.800M $3.600M
YoY Change 33.33% -115.86%
LONG-TERM ASSETS
Property, Plant & Equipment $8.646M $7.929M
YoY Change 9.04% 13.42%
Goodwill $716.0K $716.0K
YoY Change 0.0% 0.0%
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $2.300M
YoY Change
Total Long-Term Assets $556.2M $500.4M
YoY Change 11.15% 3.68%
TOTAL ASSETS
Total Short-Term Assets $4.800M $3.600M
Total Long-Term Assets $556.2M $500.4M
Total Assets $561.0M $504.0M
YoY Change 11.31% 9.58%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $10.70M $6.700M
YoY Change 59.7% 36.73%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $10.70M $6.700M
YoY Change 59.7% 36.73%
LONG-TERM LIABILITIES
Long-Term Debt $359.5M $324.6M
YoY Change 10.75% 7.38%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $359.5M $324.6M
YoY Change 10.75% 7.38%
TOTAL LIABILITIES
Total Short-Term Liabilities $10.70M $6.700M
Total Long-Term Liabilities $359.5M $324.6M
Total Liabilities $370.2M $332.1M
YoY Change 11.47% 5.61%
SHAREHOLDERS EQUITY
Retained Earnings $100.9M $86.62M
YoY Change 16.47% 38.04%
Common Stock $89.87M $85.25M
YoY Change 5.43% 3.07%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $190.8M $171.9M
YoY Change
Total Liabilities & Shareholders Equity $561.0M $504.0M
YoY Change 11.31% 9.58%

Cashflow Statement

Concept 2015 Q2 2014 Q2
OPERATING ACTIVITIES
Net Income $5.408M $4.414M
YoY Change 22.52% -31.07%
Depreciation, Depletion And Amortization $900.0K $1.000M
YoY Change -10.0% 0.0%
Cash From Operating Activities $16.50M $13.90M
YoY Change 18.71% 0.72%
INVESTING ACTIVITIES
Capital Expenditures -$1.100M -$1.200M
YoY Change -8.33% -36.84%
Acquisitions
YoY Change
Other Investing Activities -$59.50M -$29.60M
YoY Change 101.01% -22.11%
Cash From Investing Activities -$60.60M -$30.90M
YoY Change 96.12% -22.56%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 46.90M 14.20M
YoY Change 230.28% -49.47%
NET CHANGE
Cash From Operating Activities 16.50M 13.90M
Cash From Investing Activities -60.60M -30.90M
Cash From Financing Activities 46.90M 14.20M
Net Change In Cash 2.800M -2.800M
YoY Change -200.0% -240.0%
FREE CASH FLOW
Cash From Operating Activities $16.50M $13.90M
Capital Expenditures -$1.100M -$1.200M
Free Cash Flow $17.60M $15.10M
YoY Change 16.56% -3.82%

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<div> <p style="MARGIN-BOTTOM: 0pt; WHITE-SPACE: normal; TEXT-TRANSFORM: none; WORD-SPACING: 0px; COLOR: rgb(0,0,0); FONT: 10pt 'Times New Roman'; WIDOWS: 1; MARGIN-TOP: 12pt; LETTER-SPACING: normal; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px"> <b>Note&#xA0;1. Nature of Business</b></p> <p style="MARGIN-BOTTOM: 0pt; WHITE-SPACE: normal; TEXT-TRANSFORM: none; WORD-SPACING: 0px; COLOR: rgb(0,0,0); FONT: 10pt 'Times New Roman'; WIDOWS: 1; MARGIN-TOP: 6pt; LETTER-SPACING: normal; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px"> Regional Management Corp. (the &#x201C;<u>Company</u>,&#x201D; &#x201C;<u>we</u>,&#x201D; &#x201C;<u>us</u>,&#x201D; and &#x201C;<u>our</u>&#x201D;) was incorporated and began operations in 1987. The Company is engaged in the consumer finance business, offering small loans (branch small loans and convenience checks), large loans, automobile loans, retail loans, and related credit insurance. As of June&#xA0;30, 2015, the Company operated offices in 316 locations in the states of Alabama (49 offices), Georgia (3 offices), New Mexico (17 offices), North Carolina (35 offices), Oklahoma (28 offices), South Carolina (70 offices), Tennessee (21 offices), and Texas (93 offices) under the names Regional Finance, RMC Financial Services, Anchor Finance, Superior Financial Services, First Community Credit, and Sun Finance. The Company opened 10 new offices during the three months ended June&#xA0;30, 2015.</p> <p style="MARGIN-BOTTOM: 0pt; WHITE-SPACE: normal; TEXT-TRANSFORM: none; WORD-SPACING: 0px; COLOR: rgb(0,0,0); FONT: 10pt 'Times New Roman'; WIDOWS: 1; MARGIN-TOP: 12pt; LETTER-SPACING: normal; TEXT-INDENT: 0px; -webkit-text-stroke-width: 0px"> <b>Seasonality:</b>&#xA0;The Company&#x2019;s loan volume and corresponding finance receivables follow seasonal trends. Demand for the Company&#x2019;s loans is typically highest during the third and fourth quarters, which the Company believes is largely due to customers borrowing money for back-to-school and holiday spending. With the exception of automobile loans, 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. During the remainder of the year, the Company typically experiences loan growth from general operations. In addition, the Company typically generates higher loan volumes in the second half of the year from direct mail campaigns, which are timed to coincide with seasonal consumer demand. Consequently, the Company experiences significant seasonal fluctuations in its operating results and cash needs.</p> </div>
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0001519401
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2
P5Y6M
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Weighted Average Remaining Contractual Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1
P3Y
us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Forfeitures In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice
16.03
dei Entity Filer Category
EntityFilerCategory
Accelerated Filer
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Award Requisite Service Period1
ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1
P10Y
us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Expirations In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice
0
us-gaap Financing Receivable Percent Past Due
FinancingReceivablePercentPastDue
0.064 pure
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Volatility Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate
0.4718 pure
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Dividend Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate
0.0000 pure
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
7.08
us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
15.26
us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
228000 shares
dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
--12-31
dei Entity Registrant Name
EntityRegistrantName
Regional Management Corp.
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
13040000 shares
us-gaap Stock Issued During Period Shares Restricted Stock Award Gross
StockIssuedDuringPeriodSharesRestrictedStockAwardGross
99000 shares
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
297000 shares
us-gaap Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
<div> <p style="MARGIN-BOTTOM: 0pt; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; MARGIN-TOP: 12pt"> <b><i>Reclassifications:</i></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 Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice
6.96
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
12812000 shares
dei Document Period End Date
DocumentPeriodEndDate
2015-06-30
us-gaap Use Of Estimates
UseOfEstimates
<div> <p style="MARGIN-BOTTOM: 0pt; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; MARGIN-TOP: 12pt"> <b><i>Use of estimates:</i></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>
us-gaap Stock Issued During Period Shares Stock Options Exercised
StockIssuedDuringPeriodSharesStockOptionsExercised
95000 shares
rm Derivative Cap Interest Rate Purchases
DerivativeCapInterestRatePurchases
577000
CY2014 us-gaap Financing Receivable Percent Past Due
FinancingReceivablePercentPastDue
0.075 pure
CY2014 us-gaap Net Income Loss
NetIncomeLoss
14802000
CY2014 us-gaap Stock Issued During Period Value Stock Options Exercised
StockIssuedDuringPeriodValueStockOptionsExercised
123000
CY2014 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
2260000
CY2014Q2 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
225000 shares
CY2014Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
12916000 shares
CY2014Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
12691000 shares
CY2014Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.35
CY2014Q2 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod
0 shares
CY2014Q2 us-gaap Other Income
OtherIncome
1994000
CY2014Q2 us-gaap Net Income Loss
NetIncomeLoss
4414000
CY2014 us-gaap Adjustments To Additional Paid In Capital Tax Effect From Share Based Compensation
AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation
161000
CY2014 us-gaap Adjustments Related To Tax Withholding For Share Based Compensation
AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation
196000
CY2014 rm Percentage Of Finance Receivables Associated With Customers In Bankruptcy As To Aggregate Finance Receivable
PercentageOfFinanceReceivablesAssociatedWithCustomersInBankruptcyAsToAggregateFinanceReceivable
0.011 pure
CY2015Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.41
CY2015Q2 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
6.95
CY2015Q2 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
233000 shares
us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
3060000
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
851000
us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
-341000
us-gaap Unrealized Gain Loss On Derivatives
UnrealizedGainLossOnDerivatives
-172000
us-gaap Gain Loss On Sale Of Property Plant Equipment
GainLossOnSaleOfPropertyPlantEquipment
-339000
us-gaap Threshold Period Past Due For Writeoff Of Financing Receivable
ThresholdPeriodPastDueForWriteoffOfFinancingReceivable
P180D
dei Trading Symbol
TradingSymbol
RM
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.74
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
1428000
us-gaap Other Income
OtherIncome
4743000
us-gaap Net Income Loss
NetIncomeLoss
9491000
us-gaap Payments Related To Tax Withholding For Share Based Compensation
PaymentsRelatedToTaxWithholdingForShareBasedCompensation
502000
us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
1394000
us-gaap Stock Issued During Period Value Stock Options Exercised
StockIssuedDuringPeriodValueStockOptionsExercised
9000
us-gaap Revenues
Revenues
105525000
us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
52474000
us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
94733000
us-gaap Adjustments To Additional Paid In Capital Tax Effect From Share Based Compensation
AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation
196000
us-gaap Increase Decrease In Fair Value Of Interest Rate Fair Value Hedging Instruments1
IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1
-172000
us-gaap Payments Of Debt Issuance Costs
PaymentsOfDebtIssuanceCosts
16000
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
5774000
us-gaap Interest Paid Net
InterestPaidNet
7134000
us-gaap Insurance Services Revenue
InsuranceServicesRevenue
6049000
us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
15309000
us-gaap Adjustments Related To Tax Withholding For Share Based Compensation
AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation
322000
us-gaap Increase Decrease In Other Operating Liabilities
IncreaseDecreaseInOtherOperatingLiabilities
182000
us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
60866000
us-gaap Occupancy Net
OccupancyNet
8381000
us-gaap Excess Tax Benefit From Share Based Compensation Financing Activities
ExcessTaxBenefitFromShareBasedCompensationFinancingActivities
244000
us-gaap Labor And Related Expense
LaborAndRelatedExpense
35971000
CY2015Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
13078000 shares
CY2015Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
12845000 shares
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
5818000
us-gaap Marketing Expense
MarketingExpense
4480000
us-gaap Other Expenses
OtherExpenses
12034000
us-gaap Share Based Compensation
ShareBasedCompensation
3223000
us-gaap Proceeds From Repayments Of Lines Of Credit
ProceedsFromRepaymentsOfLinesOfCredit
18072000
us-gaap Cash And Cash Equivalents Period Increase Decrease
CashAndCashEquivalentsPeriodIncreaseDecrease
781000
us-gaap Interest Expense
InterestExpense
7536000
us-gaap Net Cash Provided By Used In Investing Activities Continuing Operations
NetCashProvidedByUsedInInvestingActivitiesContinuingOperations
-53902000
us-gaap Net Cash Provided By Used In Financing Activities Continuing Operations
NetCashProvidedByUsedInFinancingActivitiesContinuingOperations
17798000
us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
27548000
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
894000
us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
1771000
us-gaap Deferred Income Taxes And Tax Credits
DeferredIncomeTaxesAndTaxCredits
-435000
us-gaap Restricted Stock Expense
RestrictedStockExpense
1530000
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
6160000
us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
21814000
rm Accretion Amortization Of Discounts On Purchased Receivables
AccretionAmortizationOfDiscountsOnPurchasedReceivables
13000
rm Percentage Of Finance Receivables Associated With Customers In Bankruptcy As To Aggregate Finance Receivable
PercentageOfFinanceReceivablesAssociatedWithCustomersInBankruptcyAsToAggregateFinanceReceivable
0.011 pure
rm Finance Receivable Portfolio Turnover Rate
FinanceReceivablePortfolioTurnoverRate
1.6 pure
CY2015Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.42
CY2015Q2 us-gaap Other Income
OtherIncome
2213000
CY2015Q2 us-gaap Net Income Loss
NetIncomeLoss
5408000
CY2015Q2 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
558000
CY2015Q2 us-gaap Revenues
Revenues
53001000
CY2015Q2 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
47668000
CY2015Q2 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
411000
CY2015Q2 us-gaap Increase Decrease In Fair Value Of Interest Rate Fair Value Hedging Instruments1
IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1
-172000
CY2015Q2 us-gaap Insurance Services Revenue
InsuranceServicesRevenue
3120000
CY2015Q2 us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
8724000
CY2015Q2 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
3316000
CY2015Q2 us-gaap Marketing Expense
MarketingExpense
2009000
CY2015Q2 us-gaap Other Expenses
OtherExpenses
5767000
CY2015Q2 us-gaap Interest Expense
InterestExpense
3932000
CY2015Q2 us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
13439000
CY2015Q2 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
28243000
CY2015Q2 us-gaap Occupancy Net
OccupancyNet
4256000
CY2015Q2 us-gaap Labor And Related Expense
LaborAndRelatedExpense
16211000
CY2015Q2 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
636000
CY2015Q2 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
6153000
CY2015Q2 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
12102000
CY2015Q2 rm Number Of Offices Opened
NumberOfOfficesOpened
10 Office
CY2015Q2 rm Derivative Cap Interest Rate Purchases
DerivativeCapInterestRatePurchases
577000
CY2014Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.34
CY2014Q2 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
428000
CY2014Q2 us-gaap Revenues
Revenues
47437000
CY2014Q2 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
42962000
CY2014Q2 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
698000
CY2014Q2 us-gaap Insurance Services Revenue
InsuranceServicesRevenue
2481000
CY2014Q2 us-gaap Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments
IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
7063000
CY2014Q2 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2649000
CY2014Q2 us-gaap Marketing Expense
MarketingExpense
1750000
CY2014Q2 us-gaap Other Expenses
OtherExpenses
4667000
CY2014Q2 us-gaap Interest Expense
InterestExpense
3556000
CY2014Q2 us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
13789000
CY2014Q2 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
23198000
CY2014Q2 us-gaap Occupancy Net
OccupancyNet
3713000
CY2014Q2 us-gaap Labor And Related Expense
LaborAndRelatedExpense
13068000
CY2014Q2 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
316000
CY2014Q2 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
9166000
CY2014Q2 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
13620000

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