$RM
Regional Management Corp.

2015 Q4 Form 10-Q Financial Statement

#000119312515360348 Filed on October 30, 2015

View on sec.gov

Income Statement

Concept 2015 Q4 2015 Q3 2014 Q3
Revenue $56.69M $55.10M $53.91M
YoY Change 5.38% 2.2% 21.68%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin $23.41M $27.32M $27.04M
YoY Change 1.52% 1.02% 46.03%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.100M $1.000M $900.0K
YoY Change 10.0% 11.11% 12.5%
% of Gross Profit
Operating Expenses $40.00M $27.32M $27.04M
YoY Change -9.81% 1.02% 46.03%
Operating Profit
YoY Change
Interest Expense $4.350M $4.335M $3.848M
YoY Change 15.08% 12.66% -1.66%
% of Operating Profit
Other Income/Expense, Net $4.597M $5.265M
YoY Change -12.69% 42.18%
Pretax Income $12.34M $10.49M $2.235M
YoY Change 117.64% 369.53% -81.03%
Income Tax $4.969M $3.987M $838.0K
% Of Pretax Income 40.27% 37.99% 37.49%
Net Earnings $7.367M $6.507M $1.397M
YoY Change 117.89% 365.78% -80.71%
Net Earnings / Revenue 13.0% 11.81% 2.59%
Basic Earnings Per Share $0.57 $0.51 $0.11
Diluted Earnings Per Share $0.56 $0.50 $0.11
COMMON SHARES
Basic Shares Outstanding 12.91M shares 12.88M shares 12.71M shares
Diluted Shares Outstanding 13.11M shares 12.93M shares

Balance Sheet

Concept 2015 Q4 2015 Q3 2014 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments $7.700M $4.900M $3.800M
YoY Change 92.5% 28.95% -51.9%
Cash & Equivalents $18.16M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $7.700M $4.900M $3.800M
YoY Change 92.5% 28.95% -51.9%
LONG-TERM ASSETS
Property, Plant & Equipment $9.049M $9.377M $8.553M
YoY Change 1.62% 9.63% 20.67%
Goodwill $716.0K $716.0K $716.0K
YoY Change 0.0% 0.0% 0.0%
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $12.50M $300.0K $2.900M
YoY Change 557.89% -89.66%
Total Long-Term Assets $618.7M $584.1M $519.0M
YoY Change 17.56% 12.53% 2.75%
TOTAL ASSETS
Total Short-Term Assets $7.700M $4.900M $3.800M
Total Long-Term Assets $618.7M $584.1M $519.0M
Total Assets $626.4M $589.0M $522.8M
YoY Change 18.12% 12.65% 1.9%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $12.70M $11.80M $9.900M
YoY Change 20.95% 19.19% 90.38%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00 $0.00
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $12.70M $11.80M $9.900M
YoY Change 20.95% 19.19% 90.38%
LONG-TERM LIABILITIES
Long-Term Debt $408.5M $379.6M $339.3M
YoY Change 19.65% 11.88% -2.42%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $408.5M $379.6M $339.3M
YoY Change 19.65% 11.88% -2.42%
TOTAL LIABILITIES
Total Short-Term Liabilities $12.70M $11.80M $9.900M
Total Long-Term Liabilities $408.5M $379.6M $339.3M
Total Liabilities $421.1M $391.4M $349.2M
YoY Change 19.66% 12.08% -2.94%
SHAREHOLDERS EQUITY
Retained Earnings $114.8M $107.4M $88.01M
YoY Change 25.57% 22.02% 25.07%
Common Stock $90.47M $90.20M $85.62M
YoY Change 4.07% 5.35% 3.25%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $205.2M $197.6M $173.6M
YoY Change
Total Liabilities & Shareholders Equity $626.4M $589.0M $522.8M
YoY Change 18.12% 12.65% 1.9%

Cashflow Statement

Concept 2015 Q4 2015 Q3 2014 Q3
OPERATING ACTIVITIES
Net Income $7.367M $6.507M $1.397M
YoY Change 117.89% 365.78% -80.71%
Depreciation, Depletion And Amortization $1.100M $1.000M $900.0K
YoY Change 10.0% 11.11% 12.5%
Cash From Operating Activities $21.50M $25.00M $25.90M
YoY Change 2.87% -3.47% 30.81%
INVESTING ACTIVITIES
Capital Expenditures -$2.400M -$1.500M -$1.300M
YoY Change 100.0% 15.38% 85.71%
Acquisitions
YoY Change
Other Investing Activities -$46.20M -$42.50M -$39.20M
YoY Change 113.89% 8.42% -34.34%
Cash From Investing Activities -$48.60M -$44.00M -$40.40M
YoY Change 114.1% 8.91% -32.89%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 29.80M 19.20M 14.80M
YoY Change 1390.0% 29.73% -67.47%
NET CHANGE
Cash From Operating Activities 21.50M 25.00M 25.90M
Cash From Investing Activities -48.60M -44.00M -40.40M
Cash From Financing Activities 29.80M 19.20M 14.80M
Net Change In Cash 2.700M 200.0K 300.0K
YoY Change 1250.0% -33.33% -94.12%
FREE CASH FLOW
Cash From Operating Activities $21.50M $25.00M $25.90M
Capital Expenditures -$2.400M -$1.500M -$1.300M
Free Cash Flow $23.90M $26.50M $27.20M
YoY Change 8.14% -2.57% 32.68%

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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 September&#xA0;30, 2015, the Company operated offices in 322 locations in the states of Alabama (49 offices), Georgia (3 offices), New Mexico (18 offices), North Carolina (36 offices), Oklahoma (28 offices), South Carolina (71 offices), Tennessee (21 offices), and Texas (96 offices) under the names Regional Finance, RMC Financial Services, Anchor Finance, Superior Financial Services, First Community Credit, and Sun Finance. The Company opened 6 new offices during the three months ended September&#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><b>&#xA0;</b>The Company&#x2019;s loan volume and the contractual delinquency of the Company&#x2019;s finance receivable portfolio 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. Also, delinquencies have generally been lower in the first half of the year than during the second half of the year. Consequently, the Company experiences significant seasonal fluctuations in its operating results and cash needs.</p> </div>
us-gaap Net Cash Provided By Used In Operating Activities Continuing Operations
NetCashProvidedByUsedInOperatingActivitiesContinuingOperations
61645000
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Expirations In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod
0 shares
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Fair Value Assumptions Expected Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1
P6Y1M24D
dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2015
dei Amendment Flag
AmendmentFlag
false
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Risk Free Interest Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate
0.0162 pure
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod
17000 shares
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Weighted Average Remaining Contractual Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1
P2Y10M24D
dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
--12-31
dei Entity Registrant Name
EntityRegistrantName
Regional Management Corp.
us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Forfeitures In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice
15.96
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
0.073 pure
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Volatility Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate
0.4715 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
7.13
us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
15.25
us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
228000 shares
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
13063000 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
309000 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
6.45
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
12835000 shares
dei Document Period End Date
DocumentPeriodEndDate
2015-09-30
us-gaap Stock Issued During Period Value Stock Options Exercised
StockIssuedDuringPeriodValueStockOptionsExercised
14000
us-gaap Revenues
Revenues
160621000
us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
94020000
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
1.25
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
145000 shares
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
2918000
us-gaap Other Income
OtherIncome
7331000
us-gaap Net Income Loss
NetIncomeLoss
15998000
us-gaap Payments Related To Tax Withholding For Share Based Compensation
PaymentsRelatedToTaxWithholdingForShareBasedCompensation
721000
us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
2082000
us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
25803000
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
8010000
us-gaap Interest Paid Net
InterestPaidNet
11119000
us-gaap Insurance Services Revenue
InsuranceServicesRevenue
8816000
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
9805000
us-gaap Occupancy Net
OccupancyNet
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us-gaap Increase Decrease In Other Operating Liabilities
IncreaseDecreaseInOtherOperatingLiabilities
1198000
us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
87048000
us-gaap Payments Of Debt Issuance Costs
PaymentsOfDebtIssuanceCosts
700000
us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
144474000
us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
3426000
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
892000
us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
111000
us-gaap Increase In Restricted Cash
IncreaseInRestrictedCash
1000000
us-gaap Unrealized Gain Loss On Derivatives
UnrealizedGainLossOnDerivatives
-419000
us-gaap Gain Loss On Sale Of Property Plant Equipment
GainLossOnSaleOfPropertyPlantEquipment
-343000
us-gaap Adjustments To Additional Paid In Capital Tax Effect From Share Based Compensation
AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation
378000
us-gaap Increase Decrease In Fair Value Of Interest Rate Fair Value Hedging Instruments1
IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1
419000
us-gaap Marketing Expense
MarketingExpense
5614000
us-gaap Other Expenses
OtherExpenses
16417000
us-gaap Share Based Compensation
ShareBasedCompensation
3595000
us-gaap Proceeds From Repayments Of Lines Of Credit
ProceedsFromRepaymentsOfLinesOfCredit
38198000
us-gaap Cash And Cash Equivalents Period Increase Decrease
CashAndCashEquivalentsPeriodIncreaseDecrease
910000
us-gaap Interest Expense
InterestExpense
11871000
us-gaap Net Cash Provided By Used In Investing Activities Continuing Operations
NetCashProvidedByUsedInInvestingActivitiesContinuingOperations
-97938000
us-gaap Net Cash Provided By Used In Financing Activities Continuing Operations
NetCashProvidedByUsedInFinancingActivitiesContinuingOperations
37203000
us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
40706000
us-gaap Adjustments Related To Tax Withholding For Share Based Compensation
AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation
544000
us-gaap Excess Tax Benefit From Share Based Compensation Financing Activities
ExcessTaxBenefitFromShareBasedCompensationFinancingActivities
426000
us-gaap Labor And Related Expense
LaborAndRelatedExpense
51964000
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
1524000
us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
2719000
us-gaap Deferred Income Taxes And Tax Credits
DeferredIncomeTaxesAndTaxCredits
1605000
us-gaap Restricted Stock Expense
RestrictedStockExpense
1530000
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
6147000
us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
35899000
rm Accretion Amortization Of Discounts On Purchased Receivables
AccretionAmortizationOfDiscountsOnPurchasedReceivables
20000
rm Percentage Of Finance Receivables Associated With Customers In Bankruptcy As To Aggregate Finance Receivable
PercentageOfFinanceReceivablesAssociatedWithCustomersInBankruptcyAsToAggregateFinanceReceivable
0.010 pure
rm Finance Receivable Portfolio Turnover Rate
FinanceReceivablePortfolioTurnoverRate
1.6 pure
rm Derivative Cap Interest Rate Purchases
DerivativeCapInterestRatePurchases
577000
CY2014 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
2260000
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
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
CY2014Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.11
CY2014Q3 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
220000 shares
CY2014Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
12934000 shares
CY2014Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
12714000 shares
CY2014Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.11
CY2014Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod
0 shares
CY2014Q3 us-gaap Other Income
OtherIncome
2481000
CY2014Q3 us-gaap Net Income Loss
NetIncomeLoss
1397000
CY2014Q3 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
371000
CY2014Q3 us-gaap Revenues
Revenues
53909000
CY2014Q3 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
48792000
CY2014Q3 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
698000
CY2014Q3 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
2235000
CY2014Q3 us-gaap Insurance Services Revenue
InsuranceServicesRevenue
2636000
CY2014Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
838000
CY2014Q3 us-gaap Marketing Expense
MarketingExpense
1756000
CY2014Q3 us-gaap Other Expenses
OtherExpenses
5265000
CY2014Q3 us-gaap Interest Expense
InterestExpense
3848000
CY2014Q3 us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
12090000
CY2014Q3 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
25284000
CY2014Q3 us-gaap Occupancy Net
OccupancyNet
4221000
CY2014Q3 us-gaap Labor And Related Expense
LaborAndRelatedExpense
14042000
CY2014Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
319000
CY2014Q3 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
8214000
CY2014Q3 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
22542000
CY2015Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.50
CY2015Q3 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
8.56
CY2015Q3 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
230000 shares
CY2015Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
13111000 shares
CY2015Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
12881000 shares
CY2015Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.51
CY2015Q3 us-gaap Other Income
OtherIncome
2588000
CY2015Q3 us-gaap Net Income Loss
NetIncomeLoss
6507000
CY2015Q3 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
688000
CY2015Q3 us-gaap Revenues
Revenues
55096000
CY2015Q3 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
49741000
CY2015Q3 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
42000
CY2015Q3 us-gaap Increase Decrease In Fair Value Of Interest Rate Fair Value Hedging Instruments1
IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1
247000
CY2015Q3 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
10494000
CY2015Q3 us-gaap Insurance Services Revenue
InsuranceServicesRevenue
2767000
CY2015Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
3987000
CY2015Q3 rm Number Of Offices Opened
NumberOfOfficesOpened
6 Office
CY2015Q3 us-gaap Marketing Expense
MarketingExpense
1134000
CY2015Q3 us-gaap Other Expenses
OtherExpenses
4465000
CY2015Q3 us-gaap Interest Expense
InterestExpense
4335000
CY2015Q3 us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
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CY2015Q3 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
26182000
CY2015Q3 us-gaap Occupancy Net
OccupancyNet
4590000
CY2015Q3 us-gaap Labor And Related Expense
LaborAndRelatedExpense
15993000
CY2015Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
630000
CY2015Q3 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
6132000
CY2015Q3 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
14085000

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