$RM
Regional Management Corp.

2017 Q4 Form 10-K Financial Statement

#000119312519069241 Filed on March 08, 2019

View on sec.gov

Income Statement

Concept 2017 Q4 2017 Q3 2017 Q2
Revenue $72.11M $69.19M $65.34M
YoY Change 12.63% 10.75% 13.98%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin $27.09M $36.14M $33.42M
YoY Change 14.21% 12.11% 5.73%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $2.100M $2.100M $1.600M
YoY Change 40.0% 31.25% -11.11%
% of Gross Profit
Operating Expenses $53.48M $36.14M $33.42M
YoY Change 10.84% 12.11% 5.73%
Operating Profit
YoY Change
Interest Expense $6.816M $6.658M $5.221M
YoY Change 28.92% 30.14% 8.52%
% of Operating Profit
Other Income/Expense, Net $6.523M $6.057M
YoY Change 22.8% 0.25%
Pretax Income $11.81M $8.544M $9.886M
YoY Change 12.69% -18.6% 3.19%
Income Tax $923.0K $3.235M $3.751M
% Of Pretax Income 7.82% 37.86% 37.94%
Net Earnings $10.89M $5.309M $6.135M
YoY Change 68.32% -18.02% 3.77%
Net Earnings / Revenue 15.1% 7.67% 9.39%
Basic Earnings Per Share $0.94 $0.46 $0.53
Diluted Earnings Per Share $0.92 $0.45 $0.52
COMMON SHARES
Basic Shares Outstanding 11.67M shares 11.56M shares 11.55M shares
Diluted Shares Outstanding 11.81M shares 11.73M shares

Balance Sheet

Concept 2017 Q4 2017 Q3 2017 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments $5.200M $5.200M $3.700M
YoY Change 18.18% 30.0% 32.14%
Cash & Equivalents $22.02M $19.04M $14.31M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $5.200M $5.200M $3.700M
YoY Change 18.18% 30.0% 32.14%
LONG-TERM ASSETS
Property, Plant & Equipment $12.29M $12.66M $11.65M
YoY Change 5.14% 18.28% 28.44%
Goodwill $716.0K
YoY Change 0.0%
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $16.80M $19.00M $12.40M
YoY Change 102.41% 140.51% 51.22%
Total Long-Term Assets $824.3M $774.7M $723.8M
YoY Change 16.45% 12.7% 13.1%
TOTAL ASSETS
Total Short-Term Assets $5.200M $5.200M $3.700M
Total Long-Term Assets $824.3M $774.7M $723.8M
Total Assets $829.5M $779.9M $727.5M
YoY Change 16.46% 12.8% 13.18%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $18.60M $19.00M $14.70M
YoY Change 22.37% 66.67% 38.68%
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 $14.70M
YoY Change 22.37% 66.67% 38.68%
LONG-TERM LIABILITIES
Long-Term Debt $566.5M $533.1M $491.5M
YoY Change 15.73% 11.2% 11.98%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $566.5M $533.1M $491.5M
YoY Change 15.73% 11.2% 11.98%
TOTAL LIABILITIES
Total Short-Term Liabilities $18.60M $19.00M $14.70M
Total Long-Term Liabilities $566.5M $533.1M $491.5M
Total Liabilities $590.1M $552.0M $506.2M
YoY Change 16.9% 12.38% 12.51%
SHAREHOLDERS EQUITY
Retained Earnings $168.8M $157.9M $152.6M
YoY Change 21.59% 19.31% 21.23%
Common Stock $95.71M $94.99M $93.86M
YoY Change 2.1% 2.34% 1.88%
Preferred Stock
YoY Change
Treasury Stock (at cost) $25.05M $25.05M $25.05M
YoY Change 0.0% 0.0% 0.0%
Treasury Stock Shares 1.546M shares 1.546M shares 1.546M shares
Shareholders Equity $239.4M $227.8M $221.4M
YoY Change
Total Liabilities & Shareholders Equity $829.5M $779.9M $727.5M
YoY Change 16.46% 12.8% 13.18%

Cashflow Statement

Concept 2017 Q4 2017 Q3 2017 Q2
OPERATING ACTIVITIES
Net Income $10.89M $5.309M $6.135M
YoY Change 68.32% -18.02% 3.77%
Depreciation, Depletion And Amortization $2.100M $2.100M $1.600M
YoY Change 40.0% 31.25% -11.11%
Cash From Operating Activities $32.20M $31.60M $22.80M
YoY Change -4.17% 12.86% 24.59%
INVESTING ACTIVITIES
Capital Expenditures -$1.500M -$4.300M -$2.700M
YoY Change -54.55% 26.47% 12.5%
Acquisitions
YoY Change
Other Investing Activities -$60.60M -$62.80M -$48.80M
YoY Change 46.02% -1.1% 0.41%
Cash From Investing Activities -$62.10M -$67.10M -$51.50M
YoY Change 38.62% 0.0% 1.18%
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 31.10M
YoY Change 250.0% 0.5% 10.68%
NET CHANGE
Cash From Operating Activities 32.20M 31.60M 22.80M
Cash From Investing Activities -62.10M -67.10M -51.50M
Cash From Financing Activities 32.90M 40.30M 31.10M
Net Change In Cash 3.000M 4.800M 2.400M
YoY Change -266.67% 380.0% -153.33%
FREE CASH FLOW
Cash From Operating Activities $32.20M $31.60M $22.80M
Capital Expenditures -$1.500M -$4.300M -$2.700M
Free Cash Flow $33.70M $35.90M $25.50M
YoY Change -8.67% 14.33% 23.19%

Facts In Submission

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530000
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CY2017 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
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40257000
CY2017 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
10294000
CY2017 us-gaap Income Tax Reconciliation Change In Enacted Tax Rate
IncomeTaxReconciliationChangeInEnactedTaxRate
-3122000
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
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
14090000
CY2017 us-gaap Income Tax Reconciliation Tax Credits Research
IncomeTaxReconciliationTaxCreditsResearch
400000
CY2017 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
1253000
CY2017 us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
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2419000
CY2017 us-gaap Increase Decrease In Fair Value Of Interest Rate Fair Value Hedging Instruments1
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-64000
CY2017 us-gaap Impaired Financing Receivable Average Recorded Investment
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CY2017 us-gaap Income Tax Reconciliation Other Adjustments
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CY2017 us-gaap Interest Expense
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23908000
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11294000
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13061000
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LaborAndRelatedExpense
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CY2017 us-gaap Lease And Rental Expense
LeaseAndRentalExpense
7700000
CY2017 us-gaap Marketing Expense
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CY2017 us-gaap Net Cash Provided By Used In Financing Activities
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10364000
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25860000
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ProceedsFromSaleOfPropertyPlantAndEquipment
558000
CY2017 us-gaap Proceeds And Excess Tax Benefit From Sharebased Compensation
ProceedsAndExcessTaxBenefitFromSharebasedCompensation
1600000
CY2017 us-gaap Proceeds From Stock Options Exercised
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307000
CY2017 us-gaap Proceeds From Repayments Of Lines Of Credit
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CY2017 us-gaap Proceeds From Repayments Of Secured Debt
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CY2017 us-gaap Profit Loss
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29963000
CY2017 us-gaap Provision For Loan And Lease Losses
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77339000
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77339000
CY2017 us-gaap Revenues
Revenues
272459000
CY2017 us-gaap Share Based Compensation
ShareBasedCompensation
4346000
CY2017 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Fair Value Assumptions Expected Term1
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CY2017 us-gaap Stock Issued During Period Value Stock Options Exercised
StockIssuedDuringPeriodValueStockOptionsExercised
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CY2017 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Dividend Rate
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CY2017 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Risk Free Interest Rate
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CY2017 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
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CY2017 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Volatility Rate
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0.4395 pure
CY2017 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
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4981000
CY2017 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
3004000
CY2017 us-gaap Unrealized Gain Loss On Derivatives
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-64000
CY2017 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
11783000 shares
CY2017 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
11551000 shares
CY2017 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
232000 shares
CY2017 rm Change In Allowance Assumption Increase Decrease Net Income
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-100000
CY2017 rm Derivative Interest Rate Cap Purchases
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CY2017 rm Allowance For Loan And Lease Losses Period Increase Decrease Due To Change In Allowance Assumption
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100000
CY2017 rm Net Number Of Branches Opened
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CY2017 rm Change In Allowance Assumption Increase Decrease In Diluted Earnings Per Share
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-0.01
CY2017 rm Percentage Of Finance Receivables Associated With Customers In Bankruptcy As To Aggregate Finance Receivable
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CY2017 rm Effective Income Tax Rate Reconciliation Sharebased Compensation Excess Tax Benefits Amount
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CY2017 rm Insurance Claims Reserves And Certain Direct Expenses
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CY2018 us-gaap Adjustments Related To Tax Withholding For Share Based Compensation
AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation
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CY2018 dei Amendment Flag
AmendmentFlag
false
CY2018 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
5262000
CY2018 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
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CY2018 us-gaap Advertising Cost Policy Expensed Advertising Cost
AdvertisingCostPolicyExpensedAdvertisingCost
<div> <p style="MARGIN-BOTTOM: 0px; MARGIN-TOP: 12px"><font style="FONT-FAMILY: Times New Roman" size="2"><b><i>Marketing costs:</i></b>&#xA0;Marketing costs are expensed as incurred.</font></p> </div>
CY2018 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
4675000
CY2018 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
2000000
CY2018 us-gaap Concentration Risk Geographic
ConcentrationRiskGeographic
The Company's portfolio of finance receivables is primarily with customers living in five Southeastern states (Alabama, Georgia, North Carolina, South Carolina, and Tennessee), three Southwestern states (Oklahoma, New Mexico, and Texas), one Mid-Atlantic state (Virginia), and two Midwestern states (Missouri and Wisconsin).
CY2018 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
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CY2018 us-gaap Current State And Local Tax Expense Benefit
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CY2018 dei Current Fiscal Year End Date
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CY2018 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
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CY2018 us-gaap Deferred Income Taxes And Tax Credits
DeferredIncomeTaxesAndTaxCredits
-4214000
CY2018 us-gaap Depreciation
Depreciation
3700000
CY2018 us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
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CY2018 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
12442000
CY2018 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
14771000
CY2018 dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
FY
CY2018 dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2018
CY2018 dei Document Type
DocumentType
10-K
CY2018 us-gaap Defined Contribution Plan Cost Recognized
DefinedContributionPlanCostRecognized
900000
CY2018 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.230 pure
CY2018 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
2.93
CY2018 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
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-0.008 pure
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EffectiveIncomeTaxRateReconciliationTaxCreditsResearch
0.002 pure
CY2018 dei Entity Central Index Key
EntityCentralIndexKey
0001519401
CY2018 dei Entity Well Known Seasoned Issuer
EntityWellKnownSeasonedIssuer
No
CY2018 us-gaap Effective Income Tax Rate Reconciliation State And Local Income Taxes
EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes
0.033 pure
CY2018 dei Entity Registrant Name
EntityRegistrantName
Regional Management Corp.
CY2018 dei Entity Shell Company
EntityShellCompany
false
CY2018 dei Entity Small Business
EntitySmallBusiness
false
CY2018 dei Entity Voluntary Filers
EntityVoluntaryFilers
No
CY2018 dei Document Period End Date
DocumentPeriodEndDate
2018-12-31
CY2018 us-gaap Earnings Per Share Basic
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3.03
CY2018 us-gaap Effective Income Tax Rate Reconciliation Change In Enacted Tax Rate
EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate
0.000 pure
CY2018 dei Entity Current Reporting Status
EntityCurrentReportingStatus
Yes
CY2018 dei Entity Emerging Growth Company
EntityEmergingGrowthCompany
false
CY2018 dei Entity Filer Category
EntityFilerCategory
Accelerated Filer
CY2018 us-gaap Gain Loss On Sale Of Property Plant Equipment
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-24000
CY2018 us-gaap Goodwill Acquired During Period
GoodwillAcquiredDuringPeriod
0
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GoodwillImpairmentLoss
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GeneralAndAdministrativeExpense
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CY2018 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
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45902000
CY2018 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
10557000
CY2018 us-gaap Impaired Financing Receivable Interest Income Accrual Method
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2771000
CY2018 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
3600000
CY2018 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
9639000
CY2018 us-gaap Income Tax Reconciliation Tax Credits Research
IncomeTaxReconciliationTaxCreditsResearch
114000
CY2018 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
1521000
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4724000
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LaborAndRelatedExpense
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CY2018 us-gaap Lease And Rental Expense
LeaseAndRentalExpense
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CY2018 us-gaap Marketing Expense
MarketingExpense
7745000
CY2018 us-gaap Nature Of Operations
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<div> <p style="margin-top:12px;margin-bottom:0px"><font style="font-family:Times New Roman" size="2"><b>Note&#xA0;1. Nature of Business</b></font></p> <p style="margin-top:6px;margin-bottom:0px"><font style="font-family:Times New Roman" 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, 2018, the Company operated branches in 359 locations in the states of Alabama (46 branches), Georgia (8 branches), Missouri (9 branches), New Mexico (17 branches), North Carolina (36 branches), Oklahoma (28 branches), South Carolina (67 branches), Tennessee (23 branches), Texas (103 branches), Virginia (18 branches), and Wisconsin (4 branches) under the name Regional Finance. The Company opened a net 17, 3, and 8 new branches during the years ended December&#xA0;31, 2018, 2017, and 2016, respectively.</font></p> <p style="margin-top:12px;margin-bottom:0px"><font style="font-family:Times New Roman" 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, <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>
CY2018 us-gaap Net Cash Provided By Used In Investing Activities
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-199244000
CY2018 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
81083000
CY2018 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
146285000
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NetIncomeLoss
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CY2018 us-gaap Other Expenses
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25952000
CY2018 us-gaap Other Income
OtherIncome
11792000
CY2018 us-gaap Premiums Earned Net
PremiumsEarnedNet
31095000
CY2018 us-gaap Prior Period Reclassification Adjustment Description
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<div> <p style="MARGIN-BOTTOM: 0px; MARGIN-TOP: 12px"><font style="FONT-FAMILY: Times New Roman" size="2"><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.</font></p> </div>
CY2018 us-gaap Number Of Reportable Segments
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1 Segment
CY2018 us-gaap Operating Loss Carryforwards Expiration Date
OperatingLossCarryforwardsExpirationDate
2020-01-01
CY2018 us-gaap Occupancy Net
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5352000
CY2018 us-gaap Payments For Proceeds From Loans And Leases
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CY2018 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Forfeitures In Period Weighted Average Exercise Price
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7000000
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6837000
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23191000
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1060000
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721000
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0.4604 pure
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1397000
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2131000
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11824000 shares
CY2016 us-gaap Treasury Stock Value Acquired Cost Method
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25046000
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261000 shares
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112000
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8 Branch
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13735000
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2385000
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19134000
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CY2018Q3 rm Change In Allowance Assumption Increase Decrease Net Income
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