$RM
Regional Management Corp.

2014 Q4 Form 10-K Financial Statement

#000119312516473676 Filed on February 23, 2016

View on sec.gov

Income Statement

Concept 2014 Q4 2014 Q3 2014 Q2
Revenue $53.79M $53.91M $47.44M
YoY Change 10.82% 21.68% 21.07%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin $23.06M $27.04M $24.95M
YoY Change 55.18% 46.03% 33.51%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.000M $900.0K $1.000M
YoY Change 0.0% 12.5% 0.0%
% of Gross Profit
Operating Expenses $44.35M $27.04M $24.95M
YoY Change 39.86% 46.03% 33.51%
Operating Profit
YoY Change
Interest Expense $3.780M $3.848M $3.556M
YoY Change -3.3% -1.66% 9.72%
% of Operating Profit
Other Income/Expense, Net $5.265M $4.667M
YoY Change 42.18% 36.74%
Pretax Income $5.670M $2.235M $7.063M
YoY Change -54.96% -81.03% -30.73%
Income Tax $2.285M $838.0K $2.649M
% Of Pretax Income 40.3% 37.49% 37.51%
Net Earnings $3.381M $1.397M $4.414M
YoY Change -59.68% -80.71% -31.07%
Net Earnings / Revenue 6.29% 2.59% 9.3%
Basic Earnings Per Share $0.27 $0.11 $0.35
Diluted Earnings Per Share $0.26 $0.11 $0.34
COMMON SHARES
Basic Shares Outstanding 12.74M shares 12.71M shares 12.69M shares
Diluted Shares Outstanding 12.93M shares 12.92M shares

Balance Sheet

Concept 2014 Q4 2014 Q3 2014 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments $4.000M $3.800M $3.600M
YoY Change -2.44% -51.9% 24.14%
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $4.000M $3.800M $3.600M
YoY Change -2.44% -51.9% -115.86%
LONG-TERM ASSETS
Property, Plant & Equipment $8.905M $8.553M $7.929M
YoY Change 25.42% 20.67% 13.42%
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 $1.900M $2.900M
YoY Change
Total Long-Term Assets $526.3M $519.0M $500.4M
YoY Change -0.66% 2.75% 3.68%
TOTAL ASSETS
Total Short-Term Assets $4.000M $3.800M $3.600M
Total Long-Term Assets $526.3M $519.0M $500.4M
Total Assets $530.3M $522.8M $504.0M
YoY Change -0.68% 1.9% 9.58%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $10.50M $9.900M $6.700M
YoY Change 43.84% 90.38% 36.73%
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 $10.50M $9.900M $6.700M
YoY Change 43.84% 90.38% 36.73%
LONG-TERM LIABILITIES
Long-Term Debt $341.4M $339.3M $324.6M
YoY Change -5.9% -2.42% 7.38%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $341.4M $339.3M $324.6M
YoY Change -5.9% -2.42% 7.38%
TOTAL LIABILITIES
Total Short-Term Liabilities $10.50M $9.900M $6.700M
Total Long-Term Liabilities $341.4M $339.3M $324.6M
Total Liabilities $351.9M $349.2M $332.1M
YoY Change -5.57% -2.94% 5.61%
SHAREHOLDERS EQUITY
Retained Earnings $91.39M $88.01M $86.62M
YoY Change 19.33% 25.07% 38.04%
Common Stock $86.93M $85.62M $85.25M
YoY Change 2.78% 3.25% 3.07%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $178.3M $173.6M $171.9M
YoY Change
Total Liabilities & Shareholders Equity $530.3M $522.8M $504.0M
YoY Change -0.68% 1.9% 9.58%

Cashflow Statement

Concept 2014 Q4 2014 Q3 2014 Q2
OPERATING ACTIVITIES
Net Income $3.381M $1.397M $4.414M
YoY Change -59.68% -80.71% -31.07%
Depreciation, Depletion And Amortization $1.000M $900.0K $1.000M
YoY Change 0.0% 12.5% 0.0%
Cash From Operating Activities $20.90M $25.90M $13.90M
YoY Change -5.86% 30.81% 0.72%
INVESTING ACTIVITIES
Capital Expenditures -$1.200M -$1.300M -$1.200M
YoY Change 71.43% 85.71% -36.84%
Acquisitions
YoY Change
Other Investing Activities -$21.60M -$39.20M -$29.60M
YoY Change -47.19% -34.34% -22.11%
Cash From Investing Activities -$22.70M -$40.40M -$30.90M
YoY Change -45.56% -32.89% -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 2.000M 14.80M 14.20M
YoY Change -87.18% -67.47% -49.47%
NET CHANGE
Cash From Operating Activities 20.90M 25.90M 13.90M
Cash From Investing Activities -22.70M -40.40M -30.90M
Cash From Financing Activities 2.000M 14.80M 14.20M
Net Change In Cash 200.0K 300.0K -2.800M
YoY Change -105.13% -94.12% -240.0%
FREE CASH FLOW
Cash From Operating Activities $20.90M $25.90M $13.90M
Capital Expenditures -$1.200M -$1.300M -$1.200M
Free Cash Flow $22.10M $27.20M $15.10M
YoY Change -3.49% 32.68% -3.82%

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CY2015Q3 us-gaap Line Of Credit Facility Increase Decrease For Period Net
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CY2013 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Risk Free Interest Rate
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CY2013 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Dividend Rate
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CY2013 us-gaap Weighted Average Number Of Diluted Shares Outstanding
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CY2014 us-gaap Earnings Per Share Diluted
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CY2014 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Fair Value Assumptions Expected Term1
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CY2014 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Risk Free Interest Rate
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0.35 pure
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0.4268 pure
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CY2013 us-gaap Net Cash Provided By Used In Financing Activities Continuing Operations
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700000
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CY2014 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
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167000
CY2014 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
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584000
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69057000
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0
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603000
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-200000
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-0.02
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P3Y
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P60D
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200000
CY2015 dei Document Fiscal Period Focus
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FY
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1.79
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82443000
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0 shares
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P6Y1M24D
CY2015 us-gaap Financing Receivable Allowance For Credit Losses Factors That Influenced Managements Judgment
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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.
CY2015 dei Document Fiscal Year Focus
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CY2015 dei Amendment Flag
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false
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0.0162 pure
CY2015 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures In Period
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17000 shares
CY2015 dei Document Type
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10-K
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0001519401
CY2015 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2
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P5Y2M12D
CY2015 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Weighted Average Remaining Contractual Term1
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P3Y
CY2015 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Forfeitures In Period Weighted Average Exercise Price
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15.96
CY2015 dei Entity Filer Category
EntityFilerCategory
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0.35 pure
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P10Y
CY2015 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Expirations In Period Weighted Average Exercise Price
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0
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0.072 pure
CY2015 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Volatility Rate
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0.4715 pure
CY2015 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Dividend Rate
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0.0000 pure
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7.13
CY2015 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Purchase Price Of Common Stock Percent
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1.00 pure
CY2015 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
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15.25
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225000 shares
CY2015 dei Current Fiscal Year End Date
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--12-31
CY2015 dei Entity Current Reporting Status
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Yes
CY2015 dei Entity Registrant Name
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Regional Management Corp.
CY2015 dei Entity Well Known Seasoned Issuer
EntityWellKnownSeasonedIssuer
No
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13074000 shares
CY2015 us-gaap Stock Issued During Period Shares Restricted Stock Award Gross
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99000 shares
CY2015 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
310000 shares
CY2015 us-gaap Advertising Cost Policy Expensed Advertising Cost
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<div> <p style="MARGIN-BOTTOM: 0pt; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; MARGIN-TOP: 12pt"> <b><i>Marketing costs:</i></b>&#xA0;Marketing costs are expensed as incurred.</p> </div>
CY2015 dei Entity Voluntary Filers
EntityVoluntaryFilers
No
CY2015 us-gaap Prior Period Reclassification Adjustment Description
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<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>
CY2015 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice
6.45
CY2015 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
12849000 shares
CY2015 dei Document Period End Date
DocumentPeriodEndDate
2015-12-31
CY2015 us-gaap Use Of Estimates
UseOfEstimates
<div> <p style="MARGIN-BOTTOM: 0pt; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; MARGIN-TOP: 0pt"> <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 share-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>
CY2015 us-gaap Stock Issued During Period Shares Stock Options Exercised
StockIssuedDuringPeriodSharesStockOptionsExercised
145000 shares
CY2015 us-gaap Threshold Period Past Due For Writeoff Of Financing Receivable
ThresholdPeriodPastDueForWriteoffOfFinancingReceivable
P180D
CY2015 dei Trading Symbol
TradingSymbol
RM
CY2015 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), three southwestern states (Oklahoma, New Mexico, and Texas), and one northeastern state (Virginia)
CY2015 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.82
CY2015 us-gaap Number Of Reportable Segments
NumberOfReportableSegments
1 Segment
CY2015 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
4790000
CY2015 us-gaap Other Income
OtherIncome
9858000
CY2015 us-gaap Net Income Loss
NetIncomeLoss
23365000
CY2015 us-gaap Payments Related To Tax Withholding For Share Based Compensation
PaymentsRelatedToTaxWithholdingForShareBasedCompensation
721000
CY2015 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
4636000
CY2015 us-gaap Stock Issued During Period Value Stock Options Exercised
StockIssuedDuringPeriodValueStockOptionsExercised
14000
CY2015 us-gaap Revenues
Revenues
217306000
CY2015 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
132632000
CY2015 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
195794000
CY2015 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
3690000
CY2015 us-gaap Premiums Earned Net
PremiumsEarnedNet
20257000
CY2015 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
1207000
CY2015 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
-1338000
CY2015 us-gaap Increase In Restricted Cash
IncreaseInRestrictedCash
8605000
CY2015 us-gaap Unrealized Gain Loss On Derivatives
UnrealizedGainLossOnDerivatives
-457000
CY2015 us-gaap Gain Loss On Sale Of Property Plant Equipment
GainLossOnSaleOfPropertyPlantEquipment
-343000
CY2015 us-gaap Adjustments To Additional Paid In Capital Tax Effect From Share Based Compensation
AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation
378000
CY2015 us-gaap Increase Decrease In Fair Value Of Interest Rate Fair Value Hedging Instruments1
IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1
457000
CY2015 us-gaap Payments Of Debt Issuance Costs
PaymentsOfDebtIssuanceCosts
2237000
CY2015 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
38139000
CY2015 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
12449000
CY2015 us-gaap Interest Paid Net
InterestPaidNet
15385000
CY2015 us-gaap Insurance Services Revenue
InsuranceServicesRevenue
11654000
CY2015 us-gaap Premiums Written Net
PremiumsWrittenNet
30812000
CY2015 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
14774000
CY2015 us-gaap Marketing Expense
MarketingExpense
7017000
CY2015 us-gaap Other Expenses
OtherExpenses
21559000
CY2015 us-gaap Share Based Compensation
ShareBasedCompensation
3638000
CY2015 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
-104000
CY2015 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
-18000
CY2015 us-gaap Income Tax Reconciliation Nondeductible Expense
IncomeTaxReconciliationNondeductibleExpense
378000
CY2015 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
-51000
CY2015 us-gaap Lease And Rental Expense
LeaseAndRentalExpense
6000000
CY2015 us-gaap Proceeds From Repayments Of Lines Of Credit
ProceedsFromRepaymentsOfLinesOfCredit
-3138000
CY2015 us-gaap Cash And Cash Equivalents Period Increase Decrease
CashAndCashEquivalentsPeriodIncreaseDecrease
3642000
CY2015 us-gaap Interest Expense
InterestExpense
16221000
CY2015 us-gaap Net Cash Provided By Used In Investing Activities Continuing Operations
NetCashProvidedByUsedInInvestingActivitiesContinuingOperations
-146027000
CY2015 us-gaap Net Cash Provided By Used In Financing Activities Continuing Operations
NetCashProvidedByUsedInFinancingActivitiesContinuingOperations
67226000
CY2015 us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
55043000
CY2015 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
-122000
CY2015 us-gaap Adjustments Related To Tax Withholding For Share Based Compensation
AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation
543000
CY2015 us-gaap Defined Contribution Plan Cost Recognized
DefinedContributionPlanCostRecognized
600000
CY2015 us-gaap Increase Decrease In Other Operating Liabilities
IncreaseDecreaseInOtherOperatingLiabilities
2329000
CY2015 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
1859000
CY2015 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
115598000
CY2015 us-gaap Occupancy Net
OccupancyNet
17775000
CY2015 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
13037000
CY2015 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
14896000
CY2015 us-gaap Excess Tax Benefit From Share Based Compensation Financing Activities
ExcessTaxBenefitFromShareBasedCompensationFinancingActivities
426000
CY2015 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
13349000
CY2015 us-gaap Labor And Related Expense
LaborAndRelatedExpense
69247000
CY2015 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
1524000
CY2015 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
400000
CY2015 us-gaap Proceeds From Repayments Of Other Debt
ProceedsFromRepaymentsOfOtherDebt
72896000
CY2015 us-gaap Depreciation
Depreciation
2900000
CY2015 us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
3774000
CY2015 us-gaap Deferred Income Taxes And Tax Credits
DeferredIncomeTaxesAndTaxCredits
-122000
CY2015 us-gaap Restricted Stock Expense
RestrictedStockExpense
1500000
CY2015 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
6322000
CY2015 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
47348000
CY2015 us-gaap Goodwill Acquired During Period
GoodwillAcquiredDuringPeriod
0
CY2015 us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
0
CY2015 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
1098000
CY2015 rm Financing Receivable Interest Income Suspension Period
FinancingReceivableInterestIncomeSuspensionPeriod
P90D
CY2015 rm Number Of Offices Opened
NumberOfOfficesOpened
31 Office
CY2015 rm Income Tax Recognition Threshold Percentage
IncomeTaxRecognitionThresholdPercentage
0.50 pure
CY2015 rm Expected Cumulative Pretax Income Position Period
ExpectedCumulativePretaxIncomePositionPeriod
P3Y
CY2015 rm Accretion Amortization Of Discounts On Purchased Receivables
AccretionAmortizationOfDiscountsOnPurchasedReceivables
27000
CY2015 rm Finance Receivables Income Recognition Contractual Delinquent Period
FinanceReceivablesIncomeRecognitionContractualDelinquentPeriod
P90D
CY2015 rm Defined Contribution Plan Qualification Criteria Service Period Minimum
DefinedContributionPlanQualificationCriteriaServicePeriodMinimum
P1Y
CY2015 rm Deferred Tax Assets Realization Of Number Of Pretax Income Term Considered
DeferredTaxAssetsRealizationOfNumberOfPretaxIncomeTermConsidered
P2Y
CY2015 rm Percentage Of Finance Receivables Associated With Customers In Bankruptcy As To Aggregate Finance Receivable
PercentageOfFinanceReceivablesAssociatedWithCustomersInBankruptcyAsToAggregateFinanceReceivable
0.012 pure
CY2015 rm Employment Agreement Date
EmploymentAgreementDate
2013-03-18
CY2015 rm Recoveries Due To Sale Of Charged Off Receivables
RecoveriesDueToSaleOfChargedOffReceivables
2000000
CY2015 rm Allowance For Loan And Lease Losses Period Increase Decrease Due To Change In Allowance Assumption
AllowanceForLoanAndLeaseLossesPeriodIncreaseDecreaseDueToChangeInAllowanceAssumption
500000
CY2015 rm Change In Allowance Assumption Increase Decrease Net Income
ChangeInAllowanceAssumptionIncreaseDecreaseNetIncome
-300000
CY2015 rm Change In Allowance Assumption Increase Decrease In Diluted Earnings Per Share
ChangeInAllowanceAssumptionIncreaseDecreaseInDilutedEarningsPerShare
-0.02
CY2015 rm Finance Receivable Portfolio Turnover Rate
FinanceReceivablePortfolioTurnoverRate
1.5 pure
CY2015 rm Derivative Cap Interest Rate Purchases
DerivativeCapInterestRatePurchases
577000
CY2015 rm Guaranteed Auto Protection Income Net
GuaranteedAutoProtectionIncomeNet
100000
CY2015 rm Effective Life Of The Large Loan Product Category New
EffectiveLifeOfTheLargeLoanProductCategoryNew
P12M
CY2015 rm Effective Life Of The Large Loan Product Category Previous
EffectiveLifeOfTheLargeLoanProductCategoryPrevious
P10M
CY2014Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.43
CY2014Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.44
CY2014Q1 us-gaap Net Income Loss
NetIncomeLoss
5610000
CY2014Q1 us-gaap Revenues
Revenues
49581000
CY2014Q1 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
3365000
CY2014Q1 us-gaap Interest Expense
InterestExpense
3763000
CY2014Q1 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
19898000
CY2014Q1 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
16945000
CY2015Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.31
CY2015Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.32
CY2015Q1 us-gaap Net Income Loss
NetIncomeLoss
4083000
CY2015Q1 us-gaap Revenues
Revenues
52524000
CY2014Q2 us-gaap Interest Expense
InterestExpense
3556000
CY2014Q2 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
23198000
CY2014Q2 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
13620000
CY2015Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.41
CY2015Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.42
CY2015Q2 us-gaap Net Income Loss
NetIncomeLoss
5408000
CY2015Q2 us-gaap Revenues
Revenues
53001000
CY2015Q2 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
3316000
CY2015Q2 us-gaap Interest Expense
InterestExpense
3932000
CY2015Q2 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
28243000
CY2015Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.51
CY2015Q3 us-gaap Net Income Loss
NetIncomeLoss
6507000
CY2015Q3 us-gaap Revenues
Revenues
55096000
CY2015Q1 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2502000
CY2015Q1 us-gaap Interest Expense
InterestExpense
3604000
CY2015Q1 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
32623000
CY2015Q1 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
9712000
CY2014Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.34
CY2014Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.35
CY2014Q2 us-gaap Net Income Loss
NetIncomeLoss
4414000
CY2014Q2 us-gaap Revenues
Revenues
47437000
CY2014Q2 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2649000
CY2015Q2 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
12102000
CY2014Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.11
CY2014Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.11
CY2014Q3 us-gaap Net Income Loss
NetIncomeLoss
1397000
CY2014Q3 us-gaap Revenues
Revenues
53909000
CY2014Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
838000
CY2014Q3 us-gaap Interest Expense
InterestExpense
3848000
CY2014Q3 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
25284000
CY2014Q3 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
22542000
CY2014Q3 rm Allowance For Loan And Lease Losses Period Increase Decrease Due To Change In Estimates
AllowanceForLoanAndLeaseLossesPeriodIncreaseDecreaseDueToChangeInEstimates
300000
CY2015Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.50
CY2015Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
3987000
CY2015Q3 us-gaap Interest Expense
InterestExpense
4335000
CY2015Q3 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
26182000
CY2015Q3 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
14085000
CY2013Q4 rm Effective Life Of The Large Loan Product Category New
EffectiveLifeOfTheLargeLoanProductCategoryNew
P10M
CY2013Q4 rm Effective Life Of The Large Loan Product Category Previous
EffectiveLifeOfTheLargeLoanProductCategoryPrevious
P12M
CY2013Q4 rm Effective Life Of The Small Loan Product Category New
EffectiveLifeOfTheSmallLoanProductCategoryNew
P6M
CY2013Q4 rm Effective Life Of The Small Loan Product Category Previous
EffectiveLifeOfTheSmallLoanProductCategoryPrevious
P8M
CY2013Q4 rm Effective Life Of The Retail Loan Product Category New
EffectiveLifeOfTheRetailLoanProductCategoryNew
P11M
CY2013Q4 rm Effective Life Of The Retail Loan Product Category Previous
EffectiveLifeOfTheRetailLoanProductCategoryPrevious
P12M
CY2014Q4 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.26
CY2014Q4 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.27
CY2014Q4 us-gaap Net Income Loss
NetIncomeLoss
3381000
CY2014Q4 us-gaap Revenues
Revenues
53792000
CY2014Q4 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2285000
CY2014Q4 us-gaap Interest Expense
InterestExpense
3780000
CY2014Q4 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
28396000
CY2014Q4 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
15950000
CY2015Q4 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.56
CY2015Q4 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.57
CY2015Q4 us-gaap Net Income Loss
NetIncomeLoss
7367000
CY2015Q4 us-gaap Revenues
Revenues
56685000
CY2015Q4 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
4969000
CY2015Q4 us-gaap Interest Expense
InterestExpense
4350000
CY2015Q4 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
28550000
CY2015Q4 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
11449000

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