$RM
Regional Management Corp.

2018 Q1 Form 10-Q Financial Statement

#000119312518146741 Filed on May 01, 2018

View on sec.gov

Income Statement

Concept 2018 Q1 2017 Q1
Revenue $72.63M $65.82M
YoY Change 10.34% 16.09%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin $36.05M $32.66M
YoY Change 10.37% 4.28%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $2.024M $1.603M
YoY Change 26.26% 4.7%
% of Gross Profit
Operating Expenses $36.05M $32.66M
YoY Change 10.37% 4.28%
Operating Profit
YoY Change
Interest Expense $7.177M $5.213M
YoY Change 37.68% 10.68%
% of Operating Profit
Other Income/Expense, Net $6.293M $6.796M
YoY Change -7.4% 7.87%
Pretax Income $11.34M $10.02M
YoY Change 13.19% 19.4%
Income Tax $2.697M $2.385M
% Of Pretax Income 23.78% 23.8%
Net Earnings $8.644M $7.634M
YoY Change 13.23% 47.49%
Net Earnings / Revenue 11.9% 11.6%
Basic Earnings Per Share $0.74 $0.66
Diluted Earnings Per Share $0.72 $0.65
COMMON SHARES
Basic Shares Outstanding 11.62M shares 11.49M shares
Diluted Shares Outstanding 12.03M shares 11.72M shares

Balance Sheet

Concept 2018 Q1 2017 Q1
SHORT-TERM ASSETS
Cash & Short-Term Investments $3.200M $3.500M
YoY Change -8.57% -52.7%
Cash & Equivalents $22.31M $12.39M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $3.200M $3.500M
YoY Change -8.57% -52.7%
LONG-TERM ASSETS
Property, Plant & Equipment $12.21M $11.88M
YoY Change 2.83% 20.13%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $19.10M $9.600M
YoY Change 98.96% -27.82%
Total Long-Term Assets $811.6M $686.9M
YoY Change 18.15% 14.05%
TOTAL ASSETS
Total Short-Term Assets $3.200M $3.500M
Total Long-Term Assets $811.6M $686.9M
Total Assets $814.8M $690.4M
YoY Change 18.01% 13.24%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $16.00M $15.30M
YoY Change 4.58% 11.68%
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 $16.00M $15.30M
YoY Change 4.58% 11.68%
LONG-TERM LIABILITIES
Long-Term Debt $545.9M $460.9M
YoY Change 18.44% 16.95%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $545.9M $460.9M
YoY Change 18.44% 16.95%
TOTAL LIABILITIES
Total Short-Term Liabilities $16.00M $15.30M
Total Long-Term Liabilities $545.9M $460.9M
Total Liabilities $565.9M $476.3M
YoY Change 18.81% 16.79%
SHAREHOLDERS EQUITY
Retained Earnings $177.4M $146.4M
YoY Change 21.15% 22.09%
Common Stock $96.60M $92.80M
YoY Change 4.09% 2.14%
Preferred Stock
YoY Change
Treasury Stock (at cost) $25.05M $25.05M
YoY Change 0.0% 182.34%
Treasury Stock Shares 1.546M shares 1.546M shares
Shareholders Equity $249.0M $214.2M
YoY Change
Total Liabilities & Shareholders Equity $814.8M $690.4M
YoY Change 18.01% 13.24%

Cashflow Statement

Concept 2018 Q1 2017 Q1
OPERATING ACTIVITIES
Net Income $8.644M $7.634M
YoY Change 13.23% 47.49%
Depreciation, Depletion And Amortization $2.024M $1.603M
YoY Change 26.26% 4.7%
Cash From Operating Activities $31.79M $28.80M
YoY Change 10.4% 41.87%
INVESTING ACTIVITIES
Capital Expenditures $844.0K $1.545M
YoY Change -45.37% -13.54%
Acquisitions
YoY Change
Other Investing Activities -$8.200M $3.400M
YoY Change -341.18% -41.38%
Cash From Investing Activities -$9.826M $800.0K
YoY Change -1328.25% -75.0%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities -21.67M -30.50M
YoY Change -28.94% 28.69%
NET CHANGE
Cash From Operating Activities 31.79M 28.80M
Cash From Investing Activities -9.826M 800.0K
Cash From Financing Activities -21.67M -30.50M
Net Change In Cash 294.0K -349.0K
YoY Change -184.24% 74.5%
FREE CASH FLOW
Cash From Operating Activities $31.79M $28.80M
Capital Expenditures $844.0K $1.545M
Free Cash Flow $30.95M $27.26M
YoY Change 13.56% 47.22%

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CY2017Q1 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
8.97
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ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate
0.4417 pure
CY2017Q1 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
302000
CY2017Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
4725000
CY2017Q1 us-gaap Unrealized Gain Loss On Derivatives
UnrealizedGainLossOnDerivatives
-35000
CY2017Q1 us-gaap Weighted Average Number Of Diluted Shares Outstanding
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11715000 shares
CY2017Q1 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
221000 shares
CY2017Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
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CY2017Q1 rm Income Tax Reconciliation Excess Tax Benefits From Sharebased Awards
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CY2017Q1 rm Income Tax Reconciliation Excess Tax Benefits From Sharebased Awards Percent
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-0.145 pure
CY2018Q1 us-gaap Adjustments Related To Tax Withholding For Share Based Compensation
AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation
318000
CY2018Q1 dei Amendment Flag
AmendmentFlag
false
CY2018Q1 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
1345000
CY2018Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
294000
CY2018Q1 dei Current Fiscal Year End Date
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CY2018Q1 us-gaap Deferred Income Taxes And Tax Credits
DeferredIncomeTaxesAndTaxCredits
-962000
CY2018Q1 us-gaap Depreciation Depletion And Amortization
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CY2018Q1 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.238 pure
CY2018Q1 dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
Q1
CY2018Q1 dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2018
CY2018Q1 dei Document Type
DocumentType
10-Q
CY2018Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.72
CY2018Q1 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
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0.210 pure
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0.007 pure
CY2018Q1 dei Document Period End Date
DocumentPeriodEndDate
2018-03-31
CY2018Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.74
CY2018Q1 us-gaap Effective Income Tax Rate Reconciliation State And Local Income Taxes
EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes
0.033 pure
CY2018Q1 dei Entity Registrant Name
EntityRegistrantName
Regional Management Corp.
CY2018Q1 dei Entity Central Index Key
EntityCentralIndexKey
0001519401
CY2018Q1 us-gaap Effective Income Tax Rate Reconciliation Change In Enacted Tax Rate
EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate
-0.14 pure
CY2018Q1 dei Entity Filer Category
EntityFilerCategory
Accelerated Filer
CY2018Q1 us-gaap Gain Loss On Sale Of Property Plant Equipment
GainLossOnSaleOfPropertyPlantEquipment
-8000
CY2018Q1 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
34592000
CY2018Q1 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
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11341000
CY2018Q1 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
825000
CY2018Q1 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
0
CY2018Q1 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
2382000
CY2018Q1 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
379000
CY2018Q1 us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
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CY2018Q1 us-gaap Impaired Financing Receivable Average Recorded Investment
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18426000
CY2018Q1 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
74000
CY2018Q1 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
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CY2018Q1 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2697000
CY2018Q1 us-gaap Interest Expense
InterestExpense
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CY2018Q1 us-gaap Insurance Services Revenue
InsuranceServicesRevenue
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CY2018Q1 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
66151000
CY2018Q1 us-gaap Interest Paid Net
InterestPaidNet
6565000
CY2018Q1 us-gaap Labor And Related Expense
LaborAndRelatedExpense
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CY2018Q1 us-gaap Marketing Expense
MarketingExpense
1453000
CY2018Q1 us-gaap Nature Of Operations
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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, 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 March&#xA0;31, 2018, the Company operated branches in 341 locations in the states of Alabama (47 branches), Georgia (8 branches), New Mexico (18 branches), North Carolina (37 branches), Oklahoma (28 branches), South Carolina (67 branches), Tennessee (21 branches), Texas (98 branches), and Virginia (17 branches) under the name Regional Finance. The Company consolidated one branch during the three months ended March&#xA0;31, 2018.</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 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>
CY2018Q1 us-gaap Net Cash Provided By Used In Investing Activities Continuing Operations
NetCashProvidedByUsedInInvestingActivitiesContinuingOperations
-9826000
CY2018Q1 us-gaap Net Cash Provided By Used In Operating Activities Continuing Operations
NetCashProvidedByUsedInOperatingActivitiesContinuingOperations
31794000
CY2018Q1 us-gaap Number Of Reportable Segments
NumberOfReportableSegments
1 Segment
CY2018Q1 us-gaap Net Cash Provided By Used In Financing Activities Continuing Operations
NetCashProvidedByUsedInFinancingActivitiesContinuingOperations
-21674000
CY2018Q1 us-gaap Net Income Loss
NetIncomeLoss
8644000
CY2018Q1 us-gaap Occupancy Net
OccupancyNet
5618000
CY2018Q1 us-gaap Other Expenses
OtherExpenses
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CY2018Q1 us-gaap Other Income
OtherIncome
3085000
CY2018Q1 us-gaap Payments Of Debt Issuance Costs
PaymentsOfDebtIssuanceCosts
58000
CY2018Q1 us-gaap Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
<div> <p style="MARGIN-BOTTOM: 0pt; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; MARGIN-TOP: 12pt"> <b><i>Reclassifications:</i></b> Certain prior-period amounts have been reclassified to conform to the current presentation. Such reclassifications had no impact on previously reported net income or stockholders&#x2019; equity.</p> </div>
CY2018Q1 us-gaap Proceeds From Repayments Of Other Debt
ProceedsFromRepaymentsOfOtherDebt
-10765000
CY2018Q1 us-gaap Proceeds From Repayments Of Secured Debt
ProceedsFromRepaymentsOfSecuredDebt
25570000
CY2018Q1 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
19515000
CY2018Q1 us-gaap Proceeds From Repayments Of Lines Of Credit
ProceedsFromRepaymentsOfLinesOfCredit
-35924000
CY2018Q1 us-gaap Payments Related To Tax Withholding For Share Based Compensation
PaymentsRelatedToTaxWithholdingForShareBasedCompensation
497000
CY2018Q1 us-gaap Payments To Acquire Intangible Assets
PaymentsToAcquireIntangibleAssets
814000
CY2018Q1 us-gaap Payments To Acquire Property Plant And Equipment
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CY2018Q1 us-gaap Payments For Proceeds From Loans And Leases
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8168000
CY2018Q1 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
19515000
CY2018Q1 us-gaap Revenues
Revenues
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CY2018Q1 us-gaap Share Based Compensation
ShareBasedCompensation
1585000
CY2018Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Award Requisite Service Period1
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P10Y
CY2018Q1 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Fair Value Assumptions Expected Term1
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P5Y11M26D
CY2018Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Expirations In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod
0 shares
CY2018Q1 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2
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P7Y3M19D
CY2018Q1 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice
16.82
CY2018Q1 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Expirations In Period Weighted Average Exercise Price
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0
CY2018Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Dividend Rate
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0.0000 pure
CY2018Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Risk Free Interest Rate
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0.0266 pure
CY2018Q1 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Weighted Average Remaining Contractual Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1
P6Y8M12D
CY2018Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod
0 shares
CY2018Q1 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
12.39
CY2018Q1 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Forfeitures In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice
0
CY2018Q1 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
28.25
CY2018Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Volatility Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate
0.4163 pure
CY2018Q1 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
199000
CY2018Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
1030000
CY2018Q1 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
111000 shares
CY2018Q1 us-gaap Stock Issued During Period Shares Stock Options Exercised
StockIssuedDuringPeriodSharesStockOptionsExercised
60000 shares
CY2018Q1 us-gaap Stock Issued During Period Value Stock Options Exercised
StockIssuedDuringPeriodValueStockOptionsExercised
6000
CY2018Q1 dei Trading Symbol
TradingSymbol
RM
CY2018Q1 us-gaap Unrealized Gain Loss On Derivatives
UnrealizedGainLossOnDerivatives
121000
CY2018Q1 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
12030000 shares
CY2018Q1 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
412000 shares
CY2018Q1 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>
CY2018Q1 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
11618000 shares
CY2018Q1 rm Number Of Branches Consolidated
NumberOfBranchesConsolidated
1 Branch
CY2018Q1 rm Finance Receivable Portfolio Turnover Rate
FinanceReceivablePortfolioTurnoverRate
1.3 pure
CY2018Q1 rm Percentage Of Finance Receivables Associated With Customers In Bankruptcy As To Aggregate Finance Receivable
PercentageOfFinanceReceivablesAssociatedWithCustomersInBankruptcyAsToAggregateFinanceReceivable
0.025 pure
CY2018Q1 rm Income Tax Reconciliation Excess Tax Benefits From Sharebased Awards
IncomeTaxReconciliationExcessTaxBenefitsFromSharebasedAwards
138000
CY2018Q1 rm Income Tax Reconciliation Excess Tax Benefits From Sharebased Awards Percent
IncomeTaxReconciliationExcessTaxBenefitsFromSharebasedAwardsPercent
-0.012 pure

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