$RM
Regional Management Corp.

2017 Form 10-K Financial Statement

#000119312518056059 Filed on February 23, 2018

View on sec.gov

Income Statement

Concept 2017 2016 Q4 2016 Q3
Revenue $272.5M $64.02M $62.48M
YoY Change 13.28% 12.94% 13.39%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin $138.1M $23.72M $32.24M
YoY Change 10.05% 1.32% 18.02%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $7.357M $1.500M $1.600M
YoY Change 14.17% 36.36% 60.0%
% of Gross Profit
Operating Expenses $138.1M $48.25M $32.24M
YoY Change 10.05% 20.63% 18.02%
Operating Profit
YoY Change
Interest Expense $23.91M $5.287M $5.116M
YoY Change 20.0% 21.54% 18.02%
% of Operating Profit
Other Income/Expense, Net $26.31M $5.312M
YoY Change 15.59% 15.55%
Pretax Income $40.26M $10.48M $10.50M
YoY Change 3.36% -15.07% 0.02%
Income Tax $10.29M $4.014M $4.020M
% Of Pretax Income 25.57% 38.3% 38.3%
Net Earnings $29.96M $6.467M $6.476M
YoY Change 24.68% -12.22% -0.48%
Net Earnings / Revenue 11.0% 10.1% 10.37%
Basic Earnings Per Share $2.59 $0.57 $0.57
Diluted Earnings Per Share $2.54 $0.55 $0.56
COMMON SHARES
Basic Shares Outstanding 11.55M 11.44M shares 11.38M shares
Diluted Shares Outstanding 11.78M 11.66M shares

Balance Sheet

Concept 2017 2016 Q4 2016 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments $5.200M $4.400M $4.000M
YoY Change 18.18% -42.86% -18.37%
Cash & Equivalents $12.74M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $8.200M $4.400M $4.000M
YoY Change 46.43% -42.86% -18.37%
LONG-TERM ASSETS
Property, Plant & Equipment $12.30M $11.69M $10.70M
YoY Change 5.13% 29.22% 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 $8.300M $7.900M
YoY Change 102.41% -33.6% 2533.33%
Total Long-Term Assets $821.3M $707.8M $687.3M
YoY Change 16.23% 14.41% 17.68%
TOTAL ASSETS
Total Short-Term Assets $8.200M $4.400M $4.000M
Total Long-Term Assets $821.3M $707.8M $687.3M
Total Assets $829.5M $712.2M $691.3M
YoY Change 16.47% 13.71% 17.38%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $18.60M $15.20M $11.40M
YoY Change 22.37% 19.69% -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 $15.20M $11.40M
YoY Change 22.37% 19.69% -3.39%
LONG-TERM LIABILITIES
Long-Term Debt $571.5M $489.5M $479.4M
YoY Change 16.75% 19.83% 26.29%
Other Long-Term Liabilities -$5.000M
YoY Change
Total Long-Term Liabilities $566.5M $489.5M $479.4M
YoY Change 15.73% 19.83% 26.29%
TOTAL LIABILITIES
Total Short-Term Liabilities $18.60M $15.20M $11.40M
Total Long-Term Liabilities $566.5M $489.5M $479.4M
Total Liabilities $590.1M $504.7M $491.2M
YoY Change 16.92% 19.85% 25.52%
SHAREHOLDERS EQUITY
Retained Earnings $138.8M $132.3M
YoY Change 20.94% 23.22%
Common Stock $93.73M $92.82M
YoY Change 3.61% 2.9%
Preferred Stock
YoY Change
Treasury Stock (at cost) $25.05M $25.05M
YoY Change
Treasury Stock Shares 1.546M shares 1.546M shares
Shareholders Equity $239.4M $207.5M $200.1M
YoY Change
Total Liabilities & Shareholders Equity $829.5M $712.2M $691.3M
YoY Change 16.47% 13.71% 17.38%

Cashflow Statement

Concept 2017 2016 Q4 2016 Q3
OPERATING ACTIVITIES
Net Income $29.96M $6.467M $6.476M
YoY Change 24.68% -12.22% -0.48%
Depreciation, Depletion And Amortization $7.357M $1.500M $1.600M
YoY Change 14.17% 36.36% 60.0%
Cash From Operating Activities $115.4M $33.60M $28.00M
YoY Change 15.16% 56.28% 12.0%
INVESTING ACTIVITIES
Capital Expenditures $4.765M -$3.300M -$3.400M
YoY Change -25.93% 37.5% 126.67%
Acquisitions
YoY Change
Other Investing Activities -$168.8M -$41.50M -$63.50M
YoY Change 14.21% -10.17% 49.41%
Cash From Investing Activities -$179.9M -$44.80M -$67.10M
YoY Change 12.76% -7.82% 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 73.77M 9.400M 40.10M
YoY Change 36.84% -68.46% 108.85%
NET CHANGE
Cash From Operating Activities 115.4M 33.60M 28.00M
Cash From Investing Activities -179.9M -44.80M -67.10M
Cash From Financing Activities 73.77M 9.400M 40.10M
Net Change In Cash 9.274M -1.800M 1.000M
YoY Change -271.2% -166.67% 400.0%
FREE CASH FLOW
Cash From Operating Activities $115.4M $33.60M $28.00M
Capital Expenditures $4.765M -$3.300M -$3.400M
Free Cash Flow $110.7M $36.90M $31.40M
YoY Change 17.98% 54.39% 18.49%

Facts In Submission

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CY2017Q4 us-gaap Operating Leases Future Minimum Payments Due
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CY2017Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
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3690000
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378000
CY2015 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
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4636000
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CY2015 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
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CY2015 us-gaap Income Taxes Paid Net
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CY2015 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
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CY2015 us-gaap Income Tax Reconciliation State And Local Income Taxes
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1098000
CY2015 us-gaap Income Tax Reconciliation Nondeductible Expense
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2681000
CY2015 us-gaap Income Tax Expense Benefit
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14774000
CY2015 us-gaap Increase Decrease In Restricted Cash
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16221000
CY2015 us-gaap Insurance Services Revenue
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11654000
CY2015 us-gaap Interest And Fee Income Loans And Leases
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CY2015 us-gaap Labor And Related Expense
LaborAndRelatedExpense
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CY2015 us-gaap Lease And Rental Expense
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6000000
CY2015 us-gaap Marketing Expense
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CY2015 us-gaap Net Cash Provided By Used In Investing Activities Continuing Operations
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CY2015 us-gaap Net Cash Provided By Used In Operating Activities Continuing Operations
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66800000
CY2015 us-gaap Net Income Loss
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CY2015 us-gaap Share Based Compensation
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CY2015 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Fair Value Assumptions Expected Term1
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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
CY2015 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Risk Free Interest Rate
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17313000
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22021000
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CY2015 us-gaap Payments Related To Tax Withholding For Share Based Compensation
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721000
CY2015 us-gaap Payments To Acquire Intangible Assets
PaymentsToAcquireIntangibleAssets
1946000
CY2015 us-gaap Payments To Acquire Property Plant And Equipment
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3366000
CY2015 us-gaap Payments For Proceeds From Loans And Leases
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132632000
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20257000
CY2015 us-gaap Proceeds From Repayments Of Other Debt
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30812000
CY2015 us-gaap Proceeds And Excess Tax Benefit From Sharebased Compensation
ProceedsAndExcessTaxBenefitFromSharebasedCompensation
0
CY2015 us-gaap Provision For Loan And Lease Losses
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47348000
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-3138000
CY2015 us-gaap Provision For Doubtful Accounts
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47348000
CY2015 us-gaap Revenues
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217306000
CY2015 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
7.13
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
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CY2015 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
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1524000
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14000
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-457000
CY2015 us-gaap Weighted Average Number Of Diluted Shares Outstanding
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225000 shares
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12849000 shares
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500000
CY2015 rm Accretion Amortization Of Discounts On Purchased Receivables
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27000
CY2015 rm Change In Allowance Assumption Increase Decrease Net Income
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-300000
CY2015 rm Change In Allowance Assumption Increase Decrease In Diluted Earnings Per Share
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CY2017 us-gaap Adjustments Related To Tax Withholding For Share Based Compensation
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CY2017 dei Amendment Flag
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false
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3660000
CY2017 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
75880000
CY2017 us-gaap Assets Fair Value Adjustment
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437000
CY2017 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>
CY2017 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
6201000
CY2017 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
2200000
CY2017 us-gaap Concentration Risk Geographic
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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 mid-Atlantic state (Virginia)
CY2017 us-gaap Cash And Cash Equivalents Period Increase Decrease
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784000
CY2017 us-gaap Current Federal Tax Expense Benefit
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CY2017 us-gaap Current Income Tax Expense Benefit
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CY2017 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
821000
CY2017 dei Current Fiscal Year End Date
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--12-31
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DeferredFederalIncomeTaxExpenseBenefit
4464000
CY2017 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
4994000
CY2017 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
530000
CY2017 us-gaap Depreciation
Depreciation
3400000
CY2017 us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
7357000
CY2017 dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
FY
CY2017 dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2017
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10-K
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EarningsPerShareDiluted
2.54
CY2017 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
0.35 pure
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2017-12-31
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EarningsPerShareBasic
2.59
CY2017 dei Entity Registrant Name
EntityRegistrantName
Regional Management Corp.
CY2017 dei Entity Voluntary Filers
EntityVoluntaryFilers
No
CY2017 dei Entity Central Index Key
EntityCentralIndexKey
0001519401
CY2017 dei Entity Well Known Seasoned Issuer
EntityWellKnownSeasonedIssuer
No
CY2017 dei Entity Current Reporting Status
EntityCurrentReportingStatus
Yes
CY2017 dei Entity Filer Category
EntityFilerCategory
Accelerated Filer
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-245000
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0
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GoodwillImpairmentLoss
0
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GeneralAndAdministrativeExpense
130955000
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40257000
CY2017 us-gaap Income Taxes Paid Net
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15681000
CY2017 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
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14090000
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400000
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IncomeTaxReconciliationStateAndLocalIncomeTaxes
1253000
CY2017 us-gaap Increase Decrease In Fair Value Of Interest Rate Fair Value Hedging Instruments1
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64000
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IncomeTaxReconciliationOtherAdjustments
76000
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IncreaseDecreaseInOtherOperatingAssets
11294000
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IncreaseDecreaseInOtherOperatingLiabilities
2419000
CY2017 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
10294000
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IncomeTaxReconciliationChangeInEnactedTaxRate
-3122000
CY2017 us-gaap Increase Decrease In Restricted Cash
IncreaseDecreaseInRestrictedCash
8490000
CY2017 us-gaap Interest Expense
InterestExpense
23908000
CY2017 us-gaap Insurance Services Revenue
InsuranceServicesRevenue
13061000
CY2017 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
249034000
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InterestPaidNet
20460000
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LaborAndRelatedExpense
75992000
CY2017 us-gaap Lease And Rental Expense
LeaseAndRentalExpense
7700000
CY2017 us-gaap Marketing Expense
MarketingExpense
7128000
CY2017 us-gaap Nature Of Operations
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<div> <p style="MARGIN-BOTTOM: 0px; FONT-SIZE: medium; FONT-FAMILY: &quot;Times New Roman&quot;; WHITE-SPACE: normal; WORD-SPACING: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: 400; COLOR: rgb(0,0,0); FONT-STYLE: normal; ORPHANS: 2; WIDOWS: 2; MARGIN-TOP: 12px; LETTER-SPACING: normal; TEXT-INDENT: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial"> <font style="FONT-FAMILY: &quot;Times New Roman&quot;" size="2"><b>Note 1. Nature of Business</b></font></p> <p style="MARGIN-BOTTOM: 0px; FONT-SIZE: medium; FONT-FAMILY: &quot;Times New Roman&quot;; WHITE-SPACE: normal; WORD-SPACING: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: 400; COLOR: rgb(0,0,0); FONT-STYLE: normal; ORPHANS: 2; WIDOWS: 2; MARGIN-TOP: 6px; LETTER-SPACING: normal; TEXT-INDENT: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial"> <font style="FONT-FAMILY: &quot;Times New Roman&quot;" size="2">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, retail loans, and related payment and collateral protection insurance products. The Company previously offered automobile loans, but ceased such originations in November 2017. As of December&#xA0;31, 2017, the Company operated branches in 342 locations in the states of Alabama (47 branches), Georgia (8 branches), New Mexico (18 branches), North Carolina (37 branches), Oklahoma (28 branches), South Carolina (68 branches), Tennessee (21 branches), Texas (98 branches), and Virginia (17 branches) under the name Regional Finance. The Company opened a net 3, 8, and 31 new branches during the years ended December&#xA0;31, 2017, 2016, and 2015, respectively.</font></p> <p style="MARGIN-BOTTOM: 0px; FONT-SIZE: medium; FONT-FAMILY: &quot;Times New Roman&quot;; WHITE-SPACE: normal; WORD-SPACING: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: 400; COLOR: rgb(0,0,0); FONT-STYLE: normal; ORPHANS: 2; WIDOWS: 2; MARGIN-TOP: 12px; LETTER-SPACING: normal; TEXT-INDENT: 0px; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-style: initial; text-decoration-color: initial"> <font style="FONT-FAMILY: &quot;Times New Roman&quot;" size="2">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,&#xA0;<font style="WHITE-SPACE: nowrap"><font style="WHITE-SPACE: nowrap">back-to-school,</font></font>and holiday spending. With the exception of 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.</font></p> </div>
CY2017 us-gaap Net Cash Provided By Used In Investing Activities Continuing Operations
NetCashProvidedByUsedInInvestingActivitiesContinuingOperations
-188418000
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NetCashProvidedByUsedInOperatingActivitiesContinuingOperations
115433000
CY2017 us-gaap Number Of Reportable Segments
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1 Segment
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73769000
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OtherIncome
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169366000
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25881000
CY2017 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: 8pt"> <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>
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66066000
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307000
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0.0209 pure
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P6Y9M18D
CY2017 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod
35000 shares
CY2017 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
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