$RM
Regional Management Corp.

2017 Q2 Form 10-Q Financial Statement

#000119312517244339 Filed on August 01, 2017

View on sec.gov

Income Statement

Concept 2017 Q2 2016 Q2
Revenue $65.34M $57.33M
YoY Change 13.98% 8.16%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin $33.42M $31.61M
YoY Change 5.73% 4.49%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.600M $1.800M
YoY Change -11.11% 100.0%
% of Gross Profit
Operating Expenses $33.42M $31.61M
YoY Change 5.73% 4.49%
Operating Profit
YoY Change
Interest Expense $5.221M $4.811M
YoY Change 8.52% 22.36%
% of Operating Profit
Other Income/Expense, Net $6.057M $6.042M
YoY Change 0.25% 4.24%
Pretax Income $9.886M $9.580M
YoY Change 3.19% 9.81%
Income Tax $3.751M $3.668M
% Of Pretax Income 37.94% 38.29%
Net Earnings $6.135M $5.912M
YoY Change 3.77% 9.32%
Net Earnings / Revenue 9.39% 10.31%
Basic Earnings Per Share $0.53 $0.50
Diluted Earnings Per Share $0.52 $0.49
COMMON SHARES
Basic Shares Outstanding 11.55M shares 11.76M shares
Diluted Shares Outstanding 11.73M shares 11.97M shares

Balance Sheet

Concept 2017 Q2 2016 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments $3.700M $2.800M
YoY Change 32.14% -41.67%
Cash & Equivalents $14.31M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $3.700M $2.800M
YoY Change 32.14% -41.67%
LONG-TERM ASSETS
Property, Plant & Equipment $11.65M $9.073M
YoY Change 28.44% 4.94%
Goodwill $716.0K
YoY Change 0.0%
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $12.40M $8.200M
YoY Change 51.22% 256.52%
Total Long-Term Assets $723.8M $640.0M
YoY Change 13.1% 15.07%
TOTAL ASSETS
Total Short-Term Assets $3.700M $2.800M
Total Long-Term Assets $723.8M $640.0M
Total Assets $727.5M $642.8M
YoY Change 13.18% 14.59%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $14.70M $10.60M
YoY Change 38.68% -0.93%
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 $14.70M $10.60M
YoY Change 38.68% -0.93%
LONG-TERM LIABILITIES
Long-Term Debt $491.5M $438.9M
YoY Change 11.98% 22.09%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $491.5M $438.9M
YoY Change 11.98% 22.09%
TOTAL LIABILITIES
Total Short-Term Liabilities $14.70M $10.60M
Total Long-Term Liabilities $491.5M $438.9M
Total Liabilities $506.2M $449.9M
YoY Change 12.51% 21.52%
SHAREHOLDERS EQUITY
Retained Earnings $152.6M $125.8M
YoY Change 21.23% 24.74%
Common Stock $93.86M $92.12M
YoY Change 1.88% 2.5%
Preferred Stock
YoY Change
Treasury Stock (at cost) $25.05M $25.05M
YoY Change 0.0%
Treasury Stock Shares 1.546M shares 1.546M shares
Shareholders Equity $221.4M $192.9M
YoY Change
Total Liabilities & Shareholders Equity $727.5M $642.8M
YoY Change 13.18% 14.59%

Cashflow Statement

Concept 2017 Q2 2016 Q2
OPERATING ACTIVITIES
Net Income $6.135M $5.912M
YoY Change 3.77% 9.32%
Depreciation, Depletion And Amortization $1.600M $1.800M
YoY Change -11.11% 100.0%
Cash From Operating Activities $22.80M $18.30M
YoY Change 24.59% 10.91%
INVESTING ACTIVITIES
Capital Expenditures -$2.700M -$2.400M
YoY Change 12.5% 118.18%
Acquisitions
YoY Change
Other Investing Activities -$48.80M -$48.60M
YoY Change 0.41% -18.32%
Cash From Investing Activities -$51.50M -$50.90M
YoY Change 1.18% -16.01%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 31.10M 28.10M
YoY Change 10.68% -40.09%
NET CHANGE
Cash From Operating Activities 22.80M 18.30M
Cash From Investing Activities -51.50M -50.90M
Cash From Financing Activities 31.10M 28.10M
Net Change In Cash 2.400M -4.500M
YoY Change -153.33% -260.71%
FREE CASH FLOW
Cash From Operating Activities $22.80M $18.30M
Capital Expenditures -$2.700M -$2.400M
Free Cash Flow $25.50M $20.70M
YoY Change 23.19% 17.61%

Facts In Submission

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<div> <p style="MARGIN-BOTTOM: 0pt; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; MARGIN-TOP: 12pt"> <b>Note&#xA0;1. Nature of Business</b></p> <p style="MARGIN-BOTTOM: 0pt; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; MARGIN-TOP: 6pt"> Regional Management Corp. (the &#x201C;<u>Company</u>&#x201D;) was incorporated and began operations in 1987. The Company is engaged in the consumer finance business, offering small loans, large loans, automobile loans, retail loans, and related payment and collateral protection insurance products. As of June&#xA0;30, 2017, the Company operated branches in 347 locations in the states of Alabama (49 branches), Georgia (8 branches), New Mexico (18 branches), North Carolina (36 branches), Oklahoma (28 branches), South Carolina (72 branches), Tennessee (21 branches), Texas (98 branches), and Virginia (17 branches) under the name Regional Finance. The Company opened 8 net new branches during the six months ended June&#xA0;30, 2017.</p> <p style="MARGIN-BOTTOM: 0pt; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; MARGIN-TOP: 12pt"> The Company&#x2019;s loan volume and contractual delinquency follow seasonal trends. Demand for the Company&#x2019;s small and large loans is typically highest during the second, third, and fourth quarters, which the Company believes is largely due to customers borrowing money for vacation, <font style="WHITE-SPACE: nowrap"><font style="WHITE-SPACE: nowrap">back-to-school,</font></font> and holiday spending. With the exception of automobile and retail 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. Delinquencies generally reach their lowest point in the first quarter of the year and rise throughout the remainder of the fiscal year. Consequently, the Company experiences seasonal fluctuations in its operating results and cash needs.</p> </div>
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us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Expirations In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice
0
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ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate
0.0000 pure
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Risk Free Interest Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate
0.0209 pure
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Weighted Average Remaining Contractual Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1
P6Y8M12D
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod
35000 shares
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
8.90
us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Forfeitures In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice
18.30
us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
19.99
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Volatility Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate
0.4395 pure
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
559000
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
4725000
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
116000 shares
us-gaap Stock Issued During Period Shares Stock Options Exercised
StockIssuedDuringPeriodSharesStockOptionsExercised
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us-gaap Stock Issued During Period Value Stock Options Exercised
StockIssuedDuringPeriodValueStockOptionsExercised
25000
dei Trading Symbol
TradingSymbol
RM
us-gaap Unrealized Gain Loss On Derivatives
UnrealizedGainLossOnDerivatives
-49000
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
11723000 shares
us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
199000 shares
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, the fair value of share-based compensation, the valuation of deferred tax assets and liabilities, contingent liabilities on litigation matters, and the allocation of the purchase price to assets acquired in business combinations.</p> </div>
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
11524000 shares
rm Finance Receivable Portfolio Turnover Rate
FinanceReceivablePortfolioTurnoverRate
1.4 pure
rm Percentage Of Finance Receivables Associated With Customers In Bankruptcy As To Aggregate Finance Receivable
PercentageOfFinanceReceivablesAssociatedWithCustomersInBankruptcyAsToAggregateFinanceReceivable
0.019 pure
us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
2467000
us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
30896000
us-gaap Cash And Cash Equivalents Period Increase Decrease
CashAndCashEquivalentsPeriodIncreaseDecrease
-4827000
us-gaap Deferred Income Taxes And Tax Credits
DeferredIncomeTaxesAndTaxCredits
2428000
us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
3333000
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.89
us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.90
us-gaap Gain Loss On Sale Of Property Plant Equipment
GainLossOnSaleOfPropertyPlantEquipment
8000
us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
59353000
us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
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us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
8629000
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
7971000
us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
5429000
us-gaap Increase Decrease In Other Operating Liabilities
IncreaseDecreaseInOtherOperatingLiabilities
-2102000
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
6883000
us-gaap Increase Decrease In Restricted Cash
IncreaseDecreaseInRestrictedCash
-2269000
us-gaap Interest Expense
InterestExpense
9521000
us-gaap Insurance Services Revenue
InsuranceServicesRevenue
5540000
us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
103889000
us-gaap Interest Paid Net
InterestPaidNet
8502000
us-gaap Labor And Related Expense
LaborAndRelatedExpense
33801000
us-gaap Marketing Expense
MarketingExpense
3577000
us-gaap Net Cash Provided By Used In Investing Activities Continuing Operations
NetCashProvidedByUsedInInvestingActivitiesContinuingOperations
-47734000
us-gaap Net Cash Provided By Used In Operating Activities Continuing Operations
NetCashProvidedByUsedInOperatingActivitiesContinuingOperations
38550000
us-gaap Net Cash Provided By Used In Financing Activities Continuing Operations
NetCashProvidedByUsedInFinancingActivitiesContinuingOperations
4357000
us-gaap Net Income Loss
NetIncomeLoss
11088000
us-gaap Occupancy Net
OccupancyNet
9633000
us-gaap Other Expenses
OtherExpenses
12342000
us-gaap Other Income
OtherIncome
4593000
us-gaap Payments Of Debt Issuance Costs
PaymentsOfDebtIssuanceCosts
467000
us-gaap Payments Related To Tax Withholding For Share Based Compensation
PaymentsRelatedToTaxWithholdingForShareBasedCompensation
99000
us-gaap Payments To Acquire Intangible Assets
PaymentsToAcquireIntangibleAssets
2606000
us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
25046000
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
2377000
us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
45729000
us-gaap Proceeds From Repayments Of Other Debt
ProceedsFromRepaymentsOfOtherDebt
-18341000
us-gaap Proceeds From Sale Of Property Plant And Equipment
ProceedsFromSaleOfPropertyPlantAndEquipment
709000
us-gaap Proceeds And Excess Tax Benefit From Sharebased Compensation
ProceedsAndExcessTaxBenefitFromSharebasedCompensation
0
us-gaap Proceeds From Repayments Of Lines Of Credit
ProceedsFromRepaymentsOfLinesOfCredit
48310000
us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
27177000
us-gaap Revenues
Revenues
114022000
us-gaap Share Based Compensation
ShareBasedCompensation
1853000
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Fair Value Assumptions Expected Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1
P5Y9M0D
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Dividend Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate
0.0000 pure
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Risk Free Interest Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate
0.0139 pure
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
7.42
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Volatility Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate
0.4612 pure
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
668000
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
270000
us-gaap Unrealized Gain Loss On Derivatives
UnrealizedGainLossOnDerivatives
-210000
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
12462000 shares
us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
206000 shares
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
12256000 shares
CY2016 us-gaap Adjustments Related To Tax Withholding For Share Based Compensation
AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation
508000
CY2016 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
3786000
CY2016 us-gaap Adjustment To Additional Paid In Capital Income Tax Effect From Share Based Compensation Net
AdjustmentToAdditionalPaidInCapitalIncomeTaxEffectFromShareBasedCompensationNet
-35000
CY2016 us-gaap Net Income Loss
NetIncomeLoss
24031000
CY2016 us-gaap Stock Issued During Period Value Stock Options Exercised
StockIssuedDuringPeriodValueStockOptionsExercised
20000
CY2016 us-gaap Treasury Stock Value Acquired Cost Method
TreasuryStockValueAcquiredCostMethod
25046000
CY2016 rm Percentage Of Finance Receivables Associated With Customers In Bankruptcy As To Aggregate Finance Receivable
PercentageOfFinanceReceivablesAssociatedWithCustomersInBankruptcyAsToAggregateFinanceReceivable
0.016 pure
CY2016Q2 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
9580000
CY2016Q2 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
8447000
CY2016Q2 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
3668000
CY2016Q2 us-gaap Interest Expense
InterestExpense
4811000
CY2016Q2 us-gaap Insurance Services Revenue
InsuranceServicesRevenue
2601000
CY2016Q2 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
52589000
CY2016Q2 us-gaap Labor And Related Expense
LaborAndRelatedExpense
16674000
CY2016Q2 us-gaap Marketing Expense
MarketingExpense
2062000
CY2016Q2 us-gaap Net Income Loss
NetIncomeLoss
5912000
CY2016Q2 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
218000 shares
CY2016Q2 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
1286000
CY2016Q2 us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
14702000
CY2016Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.49
CY2016Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.50
CY2016Q2 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
29548000
CY2016Q2 us-gaap Occupancy Net
OccupancyNet
4770000
CY2016Q2 us-gaap Other Expenses
OtherExpenses
6042000
CY2016Q2 us-gaap Other Income
OtherIncome
2135000
CY2016Q2 us-gaap Proceeds And Excess Tax Benefit From Sharebased Compensation
ProceedsAndExcessTaxBenefitFromSharebasedCompensation
0
CY2016Q2 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
13386000
CY2016Q2 us-gaap Revenues
Revenues
57325000
CY2016Q2 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
6.53
CY2016Q2 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
345000
CY2016Q2 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
22000
CY2016Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
11974000 shares
CY2016Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
11756000 shares
CY2017Q2 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
1414000
CY2017Q2 us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
19003000
CY2017Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.52
CY2017Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.53
CY2017Q2 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
31642000
CY2017Q2 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
9886000
CY2017Q2 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
13973000
CY2017Q2 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
3751000
CY2017Q2 us-gaap Interest Expense
InterestExpense
5221000
CY2017Q2 us-gaap Insurance Services Revenue
InsuranceServicesRevenue
3085000
CY2017Q2 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
59787000
CY2017Q2 us-gaap Labor And Related Expense
LaborAndRelatedExpense
18387000
CY2017Q2 us-gaap Marketing Expense
MarketingExpense
1779000
CY2017Q2 us-gaap Net Income Loss
NetIncomeLoss
6135000
CY2017Q2 us-gaap Occupancy Net
OccupancyNet
5419000
CY2017Q2 us-gaap Other Expenses
OtherExpenses
6057000
CY2017Q2 us-gaap Other Income
OtherIncome
2466000
CY2017Q2 us-gaap Proceeds And Excess Tax Benefit From Sharebased Compensation
ProceedsAndExcessTaxBenefitFromSharebasedCompensation
36000
CY2017Q2 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
18589000
CY2017Q2 us-gaap Revenues
Revenues
65338000
CY2017Q2 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
8.72
CY2017Q2 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
258000
CY2017Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
11730000 shares
CY2017Q2 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
176000 shares
CY2017Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
11554000 shares

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