$RM
Regional Management Corp.

2017 Q4 Form 10-Q Financial Statement

#000119312517337335 Filed on November 08, 2017

View on sec.gov

Income Statement

Concept 2017 Q4 2017 Q3 2016 Q3
Revenue $72.11M $69.19M $62.48M
YoY Change 12.63% 10.75% 13.39%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin $27.09M $36.14M $32.24M
YoY Change 14.21% 12.11% 18.02%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $2.100M $2.100M $1.600M
YoY Change 40.0% 31.25% 60.0%
% of Gross Profit
Operating Expenses $53.48M $36.14M $32.24M
YoY Change 10.84% 12.11% 18.02%
Operating Profit
YoY Change
Interest Expense $6.816M $6.658M $5.116M
YoY Change 28.92% 30.14% 18.02%
% of Operating Profit
Other Income/Expense, Net $6.523M $5.312M
YoY Change 22.8% 15.55%
Pretax Income $11.81M $8.544M $10.50M
YoY Change 12.69% -18.6% 0.02%
Income Tax $923.0K $3.235M $4.020M
% Of Pretax Income 7.82% 37.86% 38.3%
Net Earnings $10.89M $5.309M $6.476M
YoY Change 68.32% -18.02% -0.48%
Net Earnings / Revenue 15.1% 7.67% 10.37%
Basic Earnings Per Share $0.94 $0.46 $0.57
Diluted Earnings Per Share $0.92 $0.45 $0.56
COMMON SHARES
Basic Shares Outstanding 11.67M shares 11.56M shares 11.38M shares
Diluted Shares Outstanding 11.81M shares 11.66M shares

Balance Sheet

Concept 2017 Q4 2017 Q3 2016 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments $5.200M $5.200M $4.000M
YoY Change 18.18% 30.0% -18.37%
Cash & Equivalents $22.02M $19.04M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $5.200M $5.200M $4.000M
YoY Change 18.18% 30.0% -18.37%
LONG-TERM ASSETS
Property, Plant & Equipment $12.29M $12.66M $10.70M
YoY Change 5.14% 18.28% 14.12%
Goodwill $716.0K $716.0K
YoY Change 0.0% 0.0%
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $16.80M $19.00M $7.900M
YoY Change 102.41% 140.51% 2533.33%
Total Long-Term Assets $824.3M $774.7M $687.3M
YoY Change 16.45% 12.7% 17.68%
TOTAL ASSETS
Total Short-Term Assets $5.200M $5.200M $4.000M
Total Long-Term Assets $824.3M $774.7M $687.3M
Total Assets $829.5M $779.9M $691.3M
YoY Change 16.46% 12.8% 17.38%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $18.60M $19.00M $11.40M
YoY Change 22.37% 66.67% -3.39%
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 $18.60M $19.00M $11.40M
YoY Change 22.37% 66.67% -3.39%
LONG-TERM LIABILITIES
Long-Term Debt $566.5M $533.1M $479.4M
YoY Change 15.73% 11.2% 26.29%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $566.5M $533.1M $479.4M
YoY Change 15.73% 11.2% 26.29%
TOTAL LIABILITIES
Total Short-Term Liabilities $18.60M $19.00M $11.40M
Total Long-Term Liabilities $566.5M $533.1M $479.4M
Total Liabilities $590.1M $552.0M $491.2M
YoY Change 16.9% 12.38% 25.52%
SHAREHOLDERS EQUITY
Retained Earnings $168.8M $157.9M $132.3M
YoY Change 21.59% 19.31% 23.22%
Common Stock $95.71M $94.99M $92.82M
YoY Change 2.1% 2.34% 2.9%
Preferred Stock
YoY Change
Treasury Stock (at cost) $25.05M $25.05M $25.05M
YoY Change 0.0% 0.0%
Treasury Stock Shares 1.546M shares 1.546M shares 1.546M shares
Shareholders Equity $239.4M $227.8M $200.1M
YoY Change
Total Liabilities & Shareholders Equity $829.5M $779.9M $691.3M
YoY Change 16.46% 12.8% 17.38%

Cashflow Statement

Concept 2017 Q4 2017 Q3 2016 Q3
OPERATING ACTIVITIES
Net Income $10.89M $5.309M $6.476M
YoY Change 68.32% -18.02% -0.48%
Depreciation, Depletion And Amortization $2.100M $2.100M $1.600M
YoY Change 40.0% 31.25% 60.0%
Cash From Operating Activities $32.20M $31.60M $28.00M
YoY Change -4.17% 12.86% 12.0%
INVESTING ACTIVITIES
Capital Expenditures -$1.500M -$4.300M -$3.400M
YoY Change -54.55% 26.47% 126.67%
Acquisitions
YoY Change
Other Investing Activities -$60.60M -$62.80M -$63.50M
YoY Change 46.02% -1.1% 49.41%
Cash From Investing Activities -$62.10M -$67.10M -$67.10M
YoY Change 38.62% 0.0% 52.5%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 32.90M 40.30M 40.10M
YoY Change 250.0% 0.5% 108.85%
NET CHANGE
Cash From Operating Activities 32.20M 31.60M 28.00M
Cash From Investing Activities -62.10M -67.10M -67.10M
Cash From Financing Activities 32.90M 40.30M 40.10M
Net Change In Cash 3.000M 4.800M 1.000M
YoY Change -266.67% 380.0% 400.0%
FREE CASH FLOW
Cash From Operating Activities $32.20M $31.60M $28.00M
Capital Expenditures -$1.500M -$4.300M -$3.400M
Free Cash Flow $33.70M $35.90M $31.40M
YoY Change -8.67% 14.33% 18.49%

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<div> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"> <b>Note&#xA0;1. Nature of Business</b></p> <p style="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"> 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 September&#xA0;30, 2017, the Company operated branches in 344 locations in the states of Alabama (48 branches), Georgia (8 branches), New Mexico (18 branches), North Carolina (36 branches), Oklahoma (28 branches), South Carolina (70 branches), Tennessee (21 branches), Texas (98 branches), and Virginia (17 branches) under the name Regional Finance. The Company opened five net new branches during the nine months ended September&#xA0;30, 2017.</p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"> 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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ProceedsAndExcessTaxBenefitFromSharebasedCompensation
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us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
307000
us-gaap Proceeds From Repayments Of Lines Of Credit
ProceedsFromRepaymentsOfLinesOfCredit
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us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
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us-gaap Revenues
Revenues
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us-gaap Share Based Compensation
ShareBasedCompensation
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us-gaap Share Based Compensation Arrangement By Share Based Payment Award Award Requisite Service Period1
ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1
P10Y
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Fair Value Assumptions Expected Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1
P5Y11M15D
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 Options Outstanding Weighted Average Remaining Contractual Term2
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2
P7Y4M24D
us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice
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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
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
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us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Weighted Average Remaining Contractual Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1
P6Y6M0D
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
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us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
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us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
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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
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dei Trading Symbol
TradingSymbol
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UnrealizedGainLossOnDerivatives
-85000
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WeightedAverageNumberOfDilutedSharesOutstanding
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us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
215000 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
11537000 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
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us-gaap Allowance For Doubtful Accounts Receivable Recoveries
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us-gaap Allowance For Doubtful Accounts Receivable Write Offs
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us-gaap Cash And Cash Equivalents Period Increase Decrease
CashAndCashEquivalentsPeriodIncreaseDecrease
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us-gaap Deferred Income Taxes And Tax Credits
DeferredIncomeTaxesAndTaxCredits
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us-gaap Depreciation Depletion And Amortization
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us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
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us-gaap Earnings Per Share Basic
EarningsPerShareBasic
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us-gaap Gain Loss On Sale Of Property Plant Equipment
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15000
us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
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us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
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us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
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ImpairedFinancingReceivableAverageRecordedInvestment
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us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
3436000
us-gaap Increase Decrease In Other Operating Liabilities
IncreaseDecreaseInOtherOperatingLiabilities
-1433000
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
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us-gaap Increase Decrease In Restricted Cash
IncreaseDecreaseInRestrictedCash
-2600000
us-gaap Interest Expense
InterestExpense
14637000
us-gaap Insurance Services Revenue
InsuranceServicesRevenue
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us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
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us-gaap Interest Paid Net
InterestPaidNet
13219000
us-gaap Labor And Related Expense
LaborAndRelatedExpense
51981000
us-gaap Marketing Expense
MarketingExpense
5363000
us-gaap Net Cash Provided By Used In Investing Activities Continuing Operations
NetCashProvidedByUsedInInvestingActivitiesContinuingOperations
-114769000
us-gaap Net Cash Provided By Used In Operating Activities Continuing Operations
NetCashProvidedByUsedInOperatingActivitiesContinuingOperations
66848000
us-gaap Net Cash Provided By Used In Financing Activities Continuing Operations
NetCashProvidedByUsedInFinancingActivitiesContinuingOperations
44226000
us-gaap Net Income Loss
NetIncomeLoss
17564000
us-gaap Occupancy Net
OccupancyNet
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us-gaap Other Expenses
OtherExpenses
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us-gaap Other Income
OtherIncome
7302000
us-gaap Payments Of Debt Issuance Costs
PaymentsOfDebtIssuanceCosts
971000
us-gaap Payments Related To Tax Withholding For Share Based Compensation
PaymentsRelatedToTaxWithholdingForShareBasedCompensation
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us-gaap Payments To Acquire Intangible Assets
PaymentsToAcquireIntangibleAssets
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CY2016Q3 us-gaap Other Expenses
OtherExpenses
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CY2016Q3 us-gaap Other Income
OtherIncome
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CY2016Q3 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
30453000
us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
25046000
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
4620000
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PaymentsForProceedsFromLoansAndLeases
109644000
us-gaap Proceeds From Repayments Of Other Debt
ProceedsFromRepaymentsOfOtherDebt
-26530000
us-gaap Proceeds From Sale Of Property Plant And Equipment
ProceedsFromSaleOfPropertyPlantAndEquipment
718000
us-gaap Proceeds And Excess Tax Benefit From Sharebased Compensation
ProceedsAndExcessTaxBenefitFromSharebasedCompensation
0
us-gaap Proceeds From Repayments Of Lines Of Credit
ProceedsFromRepaymentsOfLinesOfCredit
97119000
us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
43587000
us-gaap Revenues
Revenues
176497000
us-gaap Share Based Compensation
ShareBasedCompensation
3006000
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Fair Value Assumptions Expected Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1
P5Y9M18D
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
0.0132 pure
us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
7.74
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Volatility Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate
0.4604 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
979000
us-gaap Unrealized Gain Loss On Derivatives
UnrealizedGainLossOnDerivatives
-213000
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
12194000 shares
us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
231000 shares
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
11963000 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
CY2016Q3 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
1170000
CY2016Q3 us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
14680000
CY2016Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.56
CY2016Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.57
CY2016Q3 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
10496000
CY2016Q3 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
9531000
CY2016Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
4020000
CY2016Q3 us-gaap Interest Expense
InterestExpense
5116000
CY2016Q3 us-gaap Insurance Services Revenue
InsuranceServicesRevenue
2346000
CY2016Q3 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
57420000
CY2016Q3 us-gaap Labor And Related Expense
LaborAndRelatedExpense
18180000
CY2016Q3 us-gaap Marketing Expense
MarketingExpense
1786000
CY2016Q3 us-gaap Net Income Loss
NetIncomeLoss
6476000
CY2016Q3 us-gaap Occupancy Net
OccupancyNet
5175000
CY2016Q3 us-gaap Proceeds And Excess Tax Benefit From Sharebased Compensation
ProceedsAndExcessTaxBenefitFromSharebasedCompensation
0
CY2016Q3 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
16410000
CY2016Q3 us-gaap Revenues
Revenues
62475000
CY2016Q3 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
8.36
CY2016Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
708000
CY2016Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
11664000 shares
CY2016Q3 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
280000 shares
CY2016Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
11384000 shares
CY2017Q3 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
1987000
CY2017Q3 us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
16739000
CY2017Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.45
CY2017Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.46
CY2017Q3 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
33840000
CY2017Q3 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
8544000
CY2017Q3 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
14614000
CY2017Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
3235000
CY2017Q3 us-gaap Interest Expense
InterestExpense
6658000
CY2017Q3 us-gaap Insurance Services Revenue
InsuranceServicesRevenue
3095000
CY2017Q3 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
63615000
CY2017Q3 us-gaap Labor And Related Expense
LaborAndRelatedExpense
19534000
CY2017Q3 us-gaap Marketing Expense
MarketingExpense
2303000
CY2017Q3 us-gaap Net Income Loss
NetIncomeLoss
5309000
CY2017Q3 us-gaap Occupancy Net
OccupancyNet
5480000
CY2017Q3 us-gaap Other Expenses
OtherExpenses
6523000
CY2017Q3 us-gaap Other Income
OtherIncome
2484000
CY2017Q3 us-gaap Proceeds And Excess Tax Benefit From Sharebased Compensation
ProceedsAndExcessTaxBenefitFromSharebasedCompensation
37000
CY2017Q3 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
20152000
CY2017Q3 us-gaap Revenues
Revenues
69194000
CY2017Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
143000
CY2017Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
11812000 shares
CY2017Q3 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
249000 shares
CY2017Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
11563000 shares

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