2018 Q4 Form 10-K Financial Statement

#000119312520073232 Filed on March 16, 2020

View on sec.gov

Income Statement

Concept 2018 Q4 2018 Q3 2018 Q2
Revenue $83.75M $77.92M $72.42M
YoY Change 16.15% 12.61% 10.83%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin $29.91M $37.99M $35.47M
YoY Change 10.41% 5.12% 6.14%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $2.400M $2.300M $2.100M
YoY Change 14.29% 9.52% 31.25%
% of Gross Profit
Operating Expenses $60.31M $37.99M $35.47M
YoY Change 12.77% 5.12% 6.14%
Operating Profit
YoY Change
Interest Expense $9.643M $8.729M $7.915M
YoY Change 41.48% 31.11% 51.6%
% of Operating Profit
Other Income/Expense, Net $6.863M $6.089M
YoY Change 5.21% 0.53%
Pretax Income $13.79M $9.686M $11.08M
YoY Change 16.77% 13.37% 12.11%
Income Tax $3.022M $2.237M $2.601M
% Of Pretax Income 21.91% 23.1% 23.47%
Net Earnings $10.77M $7.449M $8.482M
YoY Change -1.06% 40.31% 38.26%
Net Earnings / Revenue 12.86% 9.56% 11.71%
Basic Earnings Per Share $0.92 $0.64 $0.73
Diluted Earnings Per Share $0.90 $0.61 $0.70
COMMON SHARES
Basic Shares Outstanding 11.79M shares 11.67M 11.66M
Diluted Shares Outstanding 12.13M 12.14M

Balance Sheet

Concept 2018 Q4 2018 Q3 2018 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments $3.700M $500.0K $2.800M
YoY Change -28.85% -90.38% -24.32%
Cash & Equivalents $50.14M $29.84M $29.16M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $3.700M $500.0K $2.800M
YoY Change -28.85% -90.38% -24.32%
LONG-TERM ASSETS
Property, Plant & Equipment $13.93M $12.54M $12.07M
YoY Change 13.27% -0.92% 3.6%
Goodwill $716.0K
YoY Change 0.0%
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $46.50M $29.30M $26.40M
YoY Change 176.79% 54.21% 112.9%
Total Long-Term Assets $952.7M $892.8M $865.4M
YoY Change 15.58% 15.25% 19.56%
TOTAL ASSETS
Total Short-Term Assets $3.700M $500.0K $2.800M
Total Long-Term Assets $952.7M $892.8M $865.4M
Total Assets $956.4M $893.3M $868.2M
YoY Change 15.3% 14.54% 19.34%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $25.10M $19.50M $17.50M
YoY Change 34.95% 2.63% 19.05%
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 $25.10M $19.50M $17.50M
YoY Change 34.95% 2.63% 19.05%
LONG-TERM LIABILITIES
Long-Term Debt $651.3M $604.4M $588.3M
YoY Change 14.97% 13.37% 19.69%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $651.3M $604.4M $588.3M
YoY Change 14.97% 13.37% 19.69%
TOTAL LIABILITIES
Total Short-Term Liabilities $25.10M $19.50M $17.50M
Total Long-Term Liabilities $651.3M $604.4M $588.3M
Total Liabilities $677.2M $625.9M $609.7M
YoY Change 14.77% 13.37% 20.45%
SHAREHOLDERS EQUITY
Retained Earnings $204.1M $193.3M $185.9M
YoY Change 20.94% 22.46% 21.84%
Common Stock $100.1M $99.15M $97.70M
YoY Change 4.6% 4.37% 4.1%
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 1.546M shares 1.546M shares
Shareholders Equity $279.2M $267.4M $258.5M
YoY Change
Total Liabilities & Shareholders Equity $956.4M $893.3M $868.2M
YoY Change 15.3% 14.54% 19.34%

Cashflow Statement

Concept 2018 Q4 2018 Q3 2018 Q2
OPERATING ACTIVITIES
Net Income $10.77M $7.449M $8.482M
YoY Change -1.06% 40.31% 38.26%
Depreciation, Depletion And Amortization $2.400M $2.300M $2.100M
YoY Change 14.29% 9.52% 31.25%
Cash From Operating Activities $41.50M $44.70M $28.30M
YoY Change 28.88% 41.46% 24.12%
INVESTING ACTIVITIES
Capital Expenditures -$2.400M -$1.500M -$1.200M
YoY Change 60.0% -65.12% -55.56%
Acquisitions
YoY Change
Other Investing Activities -$64.80M -$57.60M -$61.80M
YoY Change 6.93% -8.28% 26.64%
Cash From Investing Activities -$67.20M -$59.20M -$63.00M
YoY Change 8.21% -11.77% 22.33%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 46.10M 15.10M 41.60M
YoY Change 40.12% -62.53% 33.76%
NET CHANGE
Cash From Operating Activities 41.50M 44.70M 28.30M
Cash From Investing Activities -67.20M -59.20M -63.00M
Cash From Financing Activities 46.10M 15.10M 41.60M
Net Change In Cash 20.40M 600.0K 6.900M
YoY Change 580.0% -87.5% 187.5%
FREE CASH FLOW
Cash From Operating Activities $41.50M $44.70M $28.30M
Capital Expenditures -$2.400M -$1.500M -$1.200M
Free Cash Flow $43.90M $46.20M $29.50M
YoY Change 30.27% 28.69% 15.69%

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CY2018 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Fair Value Assumptions Expected Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1
P6Y
CY2019 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Risk Free Interest Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate
0.0241
CY2018 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Risk Free Interest Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate
0.0266
CY2019 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
124000
CY2019 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
27.53
CY2019 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice
16.50
CY2019 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod
22000
CY2019 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Forfeitures In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice
25.70
CY2019 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Expirations In Period
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CY2019 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Expirations In Period Weighted Average Exercise Price
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CY2019Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
1067000
CY2019Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber
956000
CY2019Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
19.61
CY2019Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice
18.67
CY2019 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2
P5Y8M12D
CY2019 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Weighted Average Remaining Contractual Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1
P5Y3M18D
CY2019Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue
11222000
CY2019 dei Trading Symbol
TradingSymbol
RM
CY2019 dei Entity Central Index Key
EntityCentralIndexKey
0001519401
CY2019 dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
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CY2019 dei Entity Small Business
EntitySmallBusiness
false
CY2019 dei Entity Emerging Growth Company
EntityEmergingGrowthCompany
false
CY2019Q4 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Intrinsic Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1
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CY2019 us-gaap Stock Issued During Period Shares Stock Options Exercised
StockIssuedDuringPeriodSharesStockOptionsExercised
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CY2019 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
11.82
CY2018 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
12.39
CY2017 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested Weighted Average Grant Date Fair Value
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedWeightedAverageGrantDateFairValue
8.90
CY2019 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
265000
CY2018 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
1604000
CY2017 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
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CY2019 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
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CY2018 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
1809000
CY2017 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
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CY2018 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Vested In Period Total Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue
CY2017 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Vested In Period Total Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue
CY2019 dei Amendment Flag
AmendmentFlag
false
CY2019 dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2019
CY2019 dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
FY
CY2019 dei Security Exchange Name
SecurityExchangeName
NYSE
CY2019 dei Entity Address State Or Province
EntityAddressStateOrProvince
SC
CY2019 dei Entity Shell Company
EntityShellCompany
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CY2019Q4 us-gaap Preferred Stock Par Or Stated Value Per Share
PreferredStockParOrStatedValuePerShare
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CY2019Q4 us-gaap Preferred Stock Shares Authorized
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CY2019Q4 us-gaap Preferred Stock Shares Issued
PreferredStockSharesIssued
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CY2019Q4 us-gaap Common Stock Shares Authorized
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CY2019Q4 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
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CY2019Q4 us-gaap Common Stock Shares Outstanding
CommonStockSharesOutstanding
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CY2018Q4 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
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CY2018Q4 us-gaap Common Stock Shares Outstanding
CommonStockSharesOutstanding
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CY2019Q4 us-gaap Treasury Stock Shares
TreasuryStockShares
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CY2018Q4 us-gaap Treasury Stock Shares
TreasuryStockShares
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CY2018Q4 us-gaap Preferred Stock Par Or Stated Value Per Share
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CY2018Q4 us-gaap Preferred Stock Shares Authorized
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CY2018Q4 us-gaap Preferred Stock Shares Issued
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CY2019Q4 us-gaap Preferred Stock Shares Outstanding
PreferredStockSharesOutstanding
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CY2018Q4 us-gaap Preferred Stock Shares Outstanding
PreferredStockSharesOutstanding
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CY2018Q4 us-gaap Common Stock Par Or Stated Value Per Share
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CY2018Q4 us-gaap Common Stock Shares Authorized
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CY2019 us-gaap Stock Issued During Period Value Stock Options Exercised
StockIssuedDuringPeriodValueStockOptionsExercised
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CY2017 us-gaap Profit Loss
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CY2017 us-gaap Depreciation Depletion And Amortization
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CY2017 us-gaap Gain Loss On Sale Of Property Plant Equipment
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CY2017 us-gaap Share Based Compensation
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CY2017 us-gaap Unrealized Gain Loss On Derivatives
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CY2017 us-gaap Deferred Income Taxes And Tax Credits
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CY2017 us-gaap Increase Decrease In Other Operating Assets
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CY2017 us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
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CY2017 us-gaap Net Cash Provided By Used In Operating Activities
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CY2017 us-gaap Payments For Proceeds From Loans And Leases
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CY2017 us-gaap Payments To Acquire Intangible Assets
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CY2017 us-gaap Payments To Acquire Property Plant And Equipment
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CY2017 us-gaap Proceeds From Sale Of Property Plant And Equipment
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CY2017 us-gaap Net Cash Provided By Used In Investing Activities
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CY2017 us-gaap Proceeds From Repayments Of Lines Of Credit
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CY2017 us-gaap Proceeds From Repayments Of Other Debt
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CY2017 us-gaap Proceeds From Repayments Of Secured Debt
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CY2017 us-gaap Payments Of Debt Issuance Costs
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CY2017 us-gaap Payments Related To Tax Withholding For Share Based Compensation
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CY2017 us-gaap Net Cash Provided By Used In Financing Activities
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CY2017 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
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CY2017 us-gaap Interest Paid Net
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CY2017 us-gaap Income Taxes Paid Net
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CY2017 us-gaap Proceeds From Stock Options Exercised
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CY2019Q4 us-gaap Cash
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CY2019Q4 us-gaap Restricted Cash And Cash Equivalents
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CY2019Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
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CY2019 us-gaap Nature Of Operations
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<div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-top: 9pt; margin-bottom: 0pt; line-height: 12pt;"><div style="font-family: &quot;times new roman&quot;, times, serif; letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">Note&#160;1. Nature of Business </div></div></div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-top: 6pt; margin-bottom: 0pt;">Regional Management Corp. (the &#8220;<div style="text-decoration:underline;display:inline;">Company</div>&#8221;) 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&#160;31, 2019, the Company operated under the name &#8220;Regional Finance&#8221; in 366 branch locations across 11 states in the Southeastern, Southwestern, <div style="white-space: nowrap; font-family: &quot;times new roman&quot;, times, serif; letter-spacing: 0px; top: 0px;;display:inline;">Mid-Atlantic,</div> and Midwestern United States. The Company opened&#160;7, 17, and 3 <div style="letter-spacing: 0px; top: 0px;;display:inline;">net </div>new branches during the years ended December&#160;31, 2019, 2018, and 2017, respectively.</div><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: 10pt; margin-top: 9pt; margin-bottom: 0pt; line-height: 12pt;">The Company&#8217;s loan volume and contractual delinquency follow seasonal trends. Demand for the Company&#8217;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 <div style="white-space: nowrap; font-family: &quot;times new roman&quot;, times, serif; letter-spacing: 0px; top: 0px;;display:inline;"><div style="white-space: nowrap; font-family: &quot;times new roman&quot;, times, serif; letter-spacing: 0px; top: 0px;;display:inline;">vacation,&#160;back-to-school,&#160;and</div></div> holiday spending. 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 half of the year and rise in the second half of the year. Consequently, the Company experiences seasonal fluctuations in its operating results and cash needs.</div><table border="0" style="width:100%; table-layout:fixed;" cellspacing="0" cellpadding="0"><tr><td></td></tr></table>
CY2019 rm Threshold Period Past Due For Write Off Of Financing Receivables
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CY2019 rm Bankruptcy Threshold Period Past Due For Write Off Of Financing Receivables
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CY2019 rm Finance Receivables Income Recognition Contractual Delinquent Period
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CY2019 rm Income Tax Recognition Threshold Percentage
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CY2019 us-gaap Concentration Risk Geographic
ConcentrationRiskGeographic
The Company&#8217;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).
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CY2019 us-gaap Allowance For Loan And Lease Losses Write Offs
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CY2019 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
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CY2017 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
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CY2019Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
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CY2019Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
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CY2018Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
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CY2018Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
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CY2019 us-gaap Impaired Financing Receivable Average Recorded Investment
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CY2019 us-gaap Impaired Financing Receivable Interest Income Accrual Method
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CY2018 us-gaap Impaired Financing Receivable Average Recorded Investment
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CY2019 us-gaap Depreciation
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CY2019Q4 us-gaap Goodwill Impaired Accumulated Impairment Loss
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CY2019Q4 us-gaap Goodwill
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CY2018Q4 us-gaap Goodwill
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CY2019Q4 rm Intangible Assets Gross Including Goodwill
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CY2019Q4 rm Intangible Assets Net Including Goodwill Accumulated Amortization
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CY2018Q4 rm Intangible Assets Net Including Goodwill Accumulated Amortization
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CY2019 us-gaap Amortization Of Intangible Assets
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CY2017 us-gaap Amortization Of Intangible Assets
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CY2019 us-gaap Goodwill Acquired During Period
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CY2018 us-gaap Goodwill Acquired During Period
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CY2019 us-gaap Goodwill Impairment Loss
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CY2018 us-gaap Goodwill Impairment Loss
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CY2019Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Next Twelve Months
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CY2019Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Two
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CY2019Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Three
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CY2019Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Four
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CY2019Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Five
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CY2019Q4 us-gaap Finite Lived Intangible Assets Net
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CY2019Q4 us-gaap Credit Card Receivables
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CY2018Q4 us-gaap Other Assets Miscellaneous
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CY2019Q4 us-gaap Derivative Asset Notional Amount
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CY2019 us-gaap Derivative Maturity Dates
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CY2018 rm Derivative Interest Rate Cap Purchases
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CY2017 rm Derivative Interest Rate Cap Purchases
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CY2019 us-gaap Increase Decrease In Fair Value Of Interest Rate Fair Value Hedging Instruments1
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CY2018 us-gaap Increase Decrease In Fair Value Of Interest Rate Fair Value Hedging Instruments1
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CY2017 us-gaap Increase Decrease In Fair Value Of Interest Rate Fair Value Hedging Instruments1
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CY2019Q4 us-gaap Stock Repurchased During Period Value
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CY2019 us-gaap Stock Repurchased During Period Shares
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CY2019 us-gaap Stock Repurchase Program Expiration Date
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CY2019Q2 us-gaap Revenues
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CY2019Q3 us-gaap Revenues
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CY2019Q4 us-gaap Revenues
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CY2019Q1 us-gaap Provision For Doubtful Accounts
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CY2019Q1 us-gaap General And Administrative Expense
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CY2019Q3 us-gaap General And Administrative Expense
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CY2019Q1 us-gaap Interest Expense
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CY2019Q2 us-gaap Interest Expense
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CY2019Q3 us-gaap Interest Expense
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CY2019Q4 us-gaap Interest Expense
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CY2019Q1 us-gaap Income Tax Expense Benefit
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2393000
CY2019Q2 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2677000
CY2019Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
4105000
CY2019Q4 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
5086000
CY2019Q1 us-gaap Net Income Loss
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CY2019Q2 us-gaap Net Income Loss
NetIncomeLoss
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CY2019Q3 us-gaap Net Income Loss
NetIncomeLoss
12572000
CY2019Q4 us-gaap Net Income Loss
NetIncomeLoss
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CY2019Q1 us-gaap Earnings Per Share Basic
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0.69
CY2019Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
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CY2019Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.11
CY2019Q4 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.44
CY2019Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.67
CY2019Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.70
CY2019Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.08
CY2019Q4 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.38
CY2018Q1 us-gaap Revenues
Revenues
72625000
CY2018Q2 us-gaap Revenues
Revenues
72416000
CY2018Q3 us-gaap Revenues
Revenues
77916000
CY2018Q4 us-gaap Revenues
Revenues
83749000
CY2018Q1 us-gaap Provision For Doubtful Accounts
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19515000
CY2018Q2 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
20203000
CY2018Q3 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
23640000
CY2018Q4 us-gaap Provision For Doubtful Accounts
ProvisionForDoubtfulAccounts
23698000
CY2018Q1 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
34592000
CY2018Q2 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
33215000
CY2018Q3 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
35861000
CY2018Q4 us-gaap General And Administrative Expense
GeneralAndAdministrativeExpense
36616000
CY2018Q1 us-gaap Interest Expense
InterestExpense
7177000
CY2018Q2 us-gaap Interest Expense
InterestExpense
7915000
CY2018Q3 us-gaap Interest Expense
InterestExpense
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CY2018Q4 us-gaap Interest Expense
InterestExpense
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CY2018Q1 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2697000
CY2018Q2 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2601000
CY2018Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2237000
CY2018Q4 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
3022000
CY2018Q1 us-gaap Net Income Loss
NetIncomeLoss
8644000
CY2018Q2 us-gaap Net Income Loss
NetIncomeLoss
8482000
CY2018Q3 us-gaap Net Income Loss
NetIncomeLoss
7449000
CY2018Q4 us-gaap Net Income Loss
NetIncomeLoss
10770000
CY2018Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.74
CY2018Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.73
CY2018Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.64
CY2018Q4 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.92
CY2018Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.72
CY2018Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.70
CY2018Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.61
CY2018Q4 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.90
CY2018Q3 us-gaap Financing Receivable Allowance For Credit Losses Period Increase Decrease
FinancingReceivableAllowanceForCreditLossesPeriodIncreaseDecrease
3900000
CY2019Q4 us-gaap Letters Of Credit Outstanding Amount
LettersOfCreditOutstandingAmount
0
CY2018Q4 us-gaap Letters Of Credit Outstanding Amount
LettersOfCreditOutstandingAmount
100000
CY2019 us-gaap Premiums Earned Net
PremiumsEarnedNet
35544000
CY2018 us-gaap Premiums Earned Net
PremiumsEarnedNet
31095000
CY2017 us-gaap Premiums Earned Net
PremiumsEarnedNet
25860000
CY2019 rm Insurance Claims Reserves And Certain Direct Expenses
InsuranceClaimsReservesAndCertainDirectExpenses
14727000
CY2018 rm Insurance Claims Reserves And Certain Direct Expenses
InsuranceClaimsReservesAndCertainDirectExpenses
16302000
CY2017 rm Insurance Claims Reserves And Certain Direct Expenses
InsuranceClaimsReservesAndCertainDirectExpenses
12799000
CY2019 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
12389000
CY2019 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
0.210
CY2018 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
9639000
CY2017 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
14090000
CY2019 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
1980000
CY2019 us-gaap Effective Income Tax Rate Reconciliation State And Local Income Taxes
EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes
0.034
CY2018 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
1521000
CY2018 us-gaap Effective Income Tax Rate Reconciliation State And Local Income Taxes
EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes
0.033
CY2017 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
1253000
CY2017 us-gaap Effective Income Tax Rate Reconciliation State And Local Income Taxes
EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes
0.031
CY2019 rm Effective Income Tax Rate Reconciliation Share Based Compensation Excess Tax Benefits Amount
EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitsAmount
171000
CY2019 us-gaap Effective Income Tax Rate Reconciliation Share Based Compensation Excess Tax Benefit Percent
EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitPercent
-0.003
CY2018 rm Effective Income Tax Rate Reconciliation Share Based Compensation Excess Tax Benefits Amount
EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitsAmount
370000
CY2018 us-gaap Effective Income Tax Rate Reconciliation Share Based Compensation Excess Tax Benefit Percent
EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitPercent
-0.008
CY2017 rm Effective Income Tax Rate Reconciliation Share Based Compensation Excess Tax Benefits Amount
EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitsAmount
1603000
CY2017 us-gaap Effective Income Tax Rate Reconciliation Share Based Compensation Excess Tax Benefit Percent
EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitPercent
-0.040
CY2019 us-gaap Income Tax Reconciliation Tax Credits Research
IncomeTaxReconciliationTaxCreditsResearch
31000
CY2019 us-gaap Effective Income Tax Rate Reconciliation Tax Credits Research
EffectiveIncomeTaxRateReconciliationTaxCreditsResearch
0.001
CY2018 us-gaap Income Tax Reconciliation Tax Credits Research
IncomeTaxReconciliationTaxCreditsResearch
114000
CY2018 us-gaap Effective Income Tax Rate Reconciliation Tax Credits Research
EffectiveIncomeTaxRateReconciliationTaxCreditsResearch
0.002
CY2017 us-gaap Income Tax Reconciliation Tax Credits Research
IncomeTaxReconciliationTaxCreditsResearch
400000
CY2017 us-gaap Effective Income Tax Rate Reconciliation Tax Credits Research
EffectiveIncomeTaxRateReconciliationTaxCreditsResearch
0.010
CY2019 us-gaap Effective Income Tax Rate Reconciliation Change In Enacted Tax Rate
EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate
0.000
CY2018 us-gaap Effective Income Tax Rate Reconciliation Change In Enacted Tax Rate
EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate
0.000
CY2017 us-gaap Income Tax Reconciliation Change In Enacted Tax Rate
IncomeTaxReconciliationChangeInEnactedTaxRate
-3122000
CY2017 us-gaap Effective Income Tax Rate Reconciliation Change In Enacted Tax Rate
EffectiveIncomeTaxRateReconciliationChangeInEnactedTaxRate
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CY2019 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
94000
CY2019 us-gaap Effective Income Tax Rate Reconciliation Other Reconciling Items Percent
EffectiveIncomeTaxRateReconciliationOtherReconcilingItemsPercent
0.002
CY2018 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
-119000
CY2018 us-gaap Effective Income Tax Rate Reconciliation Other Reconciling Items Percent
EffectiveIncomeTaxRateReconciliationOtherReconcilingItemsPercent
-0.003
CY2017 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
76000
CY2017 us-gaap Effective Income Tax Rate Reconciliation Other Reconciling Items Percent
EffectiveIncomeTaxRateReconciliationOtherReconcilingItemsPercent
0.003
CY2019 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.242
CY2018 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.230
CY2017 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.256
CY2019 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
13270000
CY2018 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
12442000
CY2017 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
4479000
CY2019 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
2357000
CY2018 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
2329000
CY2017 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
821000
CY2019 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
15627000
CY2018 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
14771000
CY2017 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
5300000
CY2019 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
-1298000
CY2018 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
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CY2017 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
4464000
CY2019 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
-68000
CY2018 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
-509000
CY2017 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
530000
CY2019 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
-1366000
CY2018 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
-4214000
CY2017 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
4994000
CY2019 us-gaap Defined Contribution Plan Cost Recognized
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1500000
CY2018 us-gaap Defined Contribution Plan Cost Recognized
DefinedContributionPlanCostRecognized
900000
CY2017 us-gaap Defined Contribution Plan Cost Recognized
DefinedContributionPlanCostRecognized
800000
CY2019Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
12879000
CY2018Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
10315000
CY2019Q4 us-gaap Deferred Tax Assets Deferred Income
DeferredTaxAssetsDeferredIncome
5058000
CY2018Q4 us-gaap Deferred Tax Assets Deferred Income
DeferredTaxAssetsDeferredIncome
3393000
CY2019Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Accrued Liabilities
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities
1928000
CY2018Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Accrued Liabilities
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities
1773000
CY2019Q4 us-gaap Deferred Tax Assets Operating Loss Carryforwards State And Local
DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal
262000
CY2018Q4 us-gaap Deferred Tax Assets Operating Loss Carryforwards State And Local
DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal
274000
CY2019Q4 rm Deferred Tax Assets Deferred Contract Incentive
DeferredTaxAssetsDeferredContractIncentive
60000
CY2018Q4 rm Deferred Tax Assets Deferred Contract Incentive
DeferredTaxAssetsDeferredContractIncentive
86000
CY2019Q4 us-gaap Deferred Tax Assets Other
DeferredTaxAssetsOther
83000
CY2018Q4 us-gaap Deferred Tax Assets Other
DeferredTaxAssetsOther
86000
CY2019Q4 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
23532000
CY2018Q4 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
19068000
CY2019Q4 us-gaap Deferred Tax Liabilities Financing Arrangements
DeferredTaxLiabilitiesFinancingArrangements
16853000
CY2018Q4 us-gaap Deferred Tax Liabilities Financing Arrangements
DeferredTaxLiabilitiesFinancingArrangements
13378000
CY2019Q4 us-gaap Deferred Tax Liabilities Deferred Expense Other Capitalized Costs
DeferredTaxLiabilitiesDeferredExpenseOtherCapitalizedCosts
3735000
CY2018Q4 us-gaap Deferred Tax Liabilities Deferred Expense Other Capitalized Costs
DeferredTaxLiabilitiesDeferredExpenseOtherCapitalizedCosts
4058000
CY2019Q4 us-gaap Deferred Tax Liabilities Deferred Expense Deferred Financing Costs
DeferredTaxLiabilitiesDeferredExpenseDeferredFinancingCosts
1983000
CY2018Q4 us-gaap Deferred Tax Liabilities Deferred Expense Deferred Financing Costs
DeferredTaxLiabilitiesDeferredExpenseDeferredFinancingCosts
1814000
CY2019Q4 us-gaap Deferred Tax Liabilities Prepaid Expenses
DeferredTaxLiabilitiesPrepaidExpenses
316000
CY2018Q4 us-gaap Deferred Tax Liabilities Prepaid Expenses
DeferredTaxLiabilitiesPrepaidExpenses
372000
CY2019Q4 us-gaap Deferred Tax Liabilities Other
DeferredTaxLiabilitiesOther
26000
CY2018Q4 us-gaap Deferred Tax Liabilities Other
DeferredTaxLiabilitiesOther
193000
CY2019Q4 us-gaap Deferred Income Tax Liabilities
DeferredIncomeTaxLiabilities
22913000
CY2018Q4 us-gaap Deferred Income Tax Liabilities
DeferredIncomeTaxLiabilities
19815000
CY2019Q4 us-gaap Deferred Tax Assets Liabilities Net
DeferredTaxAssetsLiabilitiesNet
619000
CY2018Q4 us-gaap Deferred Tax Liabilities
DeferredTaxLiabilities
747000
CY2019 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Expiration Period
SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod
P10Y
CY2017 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
0.350
CY2018 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
0.210
CY2018Q4 us-gaap Operating Loss Carryforwards
OperatingLossCarryforwards
8200000
CY2018 us-gaap Proceeds And Excess Tax Benefit From Sharebased Compensation
ProceedsAndExcessTaxBenefitFromSharebasedCompensation
400000
CY2017 us-gaap Proceeds And Excess Tax Benefit From Sharebased Compensation
ProceedsAndExcessTaxBenefitFromSharebasedCompensation
1600000
CY2019 us-gaap Operating Loss Carryforwards Expiration Date
OperatingLossCarryforwardsExpirationDate
2020-01-01
CY2019Q4 us-gaap Long Term Debt Maturities Repayments Of Principal In Next Twelve Months
LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths
59940000
CY2019Q4 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Two
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo
170817000
CY2019Q4 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Three
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree
533908000
CY2019Q4 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Four
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour
43553000
CY2017 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Volatility Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate
0.4395
CY2017 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Expected Dividend Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate
0.0000
CY2017 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Fair Value Assumptions Expected Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1
P6D
CY2017 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Fair Value Assumptions Risk Free Interest Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate
0.0209
CY2019Q4 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
79032000
CY2019Q4 us-gaap Financing Receivable Percent Past Due1
FinancingReceivablePercentPastDue1
0.072
CY2019Q4 rm Finance Receivable Net Percent
FinanceReceivableNetPercent
1.000
CY2019Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
42233000
CY2019Q4 rm Financing Receivable Recorded Investment Nonaccrual Status Percent
FinancingReceivableRecordedInvestmentNonaccrualStatusPercent
0.038
CY2018Q4 us-gaap Financing Receivable Recorded Investment Past Due
FinancingReceivableRecordedInvestmentPastDue
72161000
CY2018Q4 us-gaap Financing Receivable Percent Past Due1
FinancingReceivablePercentPastDue1
0.077
CY2018Q4 rm Finance Receivable Net Percent
FinanceReceivableNetPercent
1.000
CY2018Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
39563000
CY2018Q4 rm Financing Receivable Recorded Investment Nonaccrual Status Percent
FinancingReceivableRecordedInvestmentNonaccrualStatusPercent
0.042
CY2019 us-gaap Lease And Rental Expense
LeaseAndRentalExpense
8400000
CY2018 us-gaap Lease And Rental Expense
LeaseAndRentalExpense
8100000
CY2017 us-gaap Lease And Rental Expense
LeaseAndRentalExpense
7700000
CY2018Q3 rm Change In Allowance Assumption Increase Decrease Net Income
ChangeInAllowanceAssumptionIncreaseDecreaseNetIncome
-200000
CY2018Q3 rm Change In Allowance Assumption Increase Decrease In Diluted Earnings Per Share
ChangeInAllowanceAssumptionIncreaseDecreaseInDilutedEarningsPerShare
-0.01
CY2017 rm Allowance For Loan And Lease Losses Period Increase Decrease Due To Change In Allowance Assumption
AllowanceForLoanAndLeaseLossesPeriodIncreaseDecreaseDueToChangeInAllowanceAssumption
100000
CY2017 rm Change In Allowance Assumption Increase Decrease Net Income
ChangeInAllowanceAssumptionIncreaseDecreaseNetIncome
-100000
CY2017 rm Change In Allowance Assumption Increase Decrease In Diluted Earnings Per Share
ChangeInAllowanceAssumptionIncreaseDecreaseInDilutedEarningsPerShare
-0.01
CY2018 rm Allowance For Loan And Lease Losses Period Increase Decrease Due To Change In Allowance Assumption
AllowanceForLoanAndLeaseLossesPeriodIncreaseDecreaseDueToChangeInAllowanceAssumption
200000
CY2018 rm Change In Allowance Assumption Increase Decrease Net Income
ChangeInAllowanceAssumptionIncreaseDecreaseNetIncome
200000
CY2018 rm Change In Allowance Assumption Increase Decrease In Diluted Earnings Per Share
ChangeInAllowanceAssumptionIncreaseDecreaseInDilutedEarningsPerShare
0.01
CY2019 rm Allowance For Loan And Lease Losses Period Increase Decrease Due To Change In Allowance Assumption
AllowanceForLoanAndLeaseLossesPeriodIncreaseDecreaseDueToChangeInAllowanceAssumption
0
CY2019 rm Change In Allowance Assumption Increase Decrease Net Income
ChangeInAllowanceAssumptionIncreaseDecreaseNetIncome
0
CY2019 rm Percentage Of Finance Receivables Associated With Customers In Bankruptcy As To Aggregate Finance Receivable
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0.028
CY2018 rm Percentage Of Finance Receivables Associated With Customers In Bankruptcy As To Aggregate Finance Receivable
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0.029
CY2019Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
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1500962000
CY2018Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1237526000
CY2019Q4 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
396149000
CY2018Q4 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
305283000
CY2019 rm Defined Contribution Plan Qualification Criteria Service Period Minimum
DefinedContributionPlanQualificationCriteriaServicePeriodMinimum
P6M
CY2019 rm Net Number Of Branches Opened
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7
CY2018 rm Net Number Of Branches Opened
NetNumberOfBranchesOpened
17
CY2017 rm Net Number Of Branches Opened
NetNumberOfBranchesOpened
3
CY2019Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
37295000
CY2018Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
33709000
CY2019Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
21994000
CY2018Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
19783000
CY2019 dei Entity Filer Category
EntityFilerCategory
Accelerated Filer
CY2019Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost
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2933000
CY2018Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost
2765000
CY2019Q4 us-gaap Deferred Tax Assets Goodwill And Intangible Assets
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200000
CY2018Q4 us-gaap Deferred Tax Assets Goodwill And Intangible Assets
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376000
CY2019Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Deferred Rent
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129000
CY2019 us-gaap Unrecognized Tax Benefits Income Tax Penalties And Interest Expense
UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense
52000
CY2019Q4 us-gaap Operating Loss Carryforwards
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8000000
CY2019 us-gaap Proceeds And Excess Tax Benefit From Sharebased Compensation
ProceedsAndExcessTaxBenefitFromSharebasedCompensation
200000
CY2018Q4 us-gaap Deferred Tax Assets State Taxes
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300000
CY2019Q4 us-gaap Deferred Tax Assets State Taxes
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300000
CY2020Q1 us-gaap Loans And Leases Receivable Allowance
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122300000
CY2019Q4 us-gaap Operating Lease Weighted Average Discount Rate Percent
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0.0540
CY2019Q4 us-gaap Operating Lease Weighted Average Remaining Lease Term1
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P5Y7M6D
CY2020Q1 rm Financing Receivable Allowance For Credit Losses Percent
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0.058
CY2020Q1 rm Financing Receivable Amortized Cost Percent
FinancingReceivableAmortizedCostPercent
0.108
CY2020Q1 us-gaap Cumulative Effect On Retained Earnings Net Of Tax1
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46000
CY2020Q1 us-gaap Cumulative Effect On Retained Earnings Tax1
CumulativeEffectOnRetainedEarningsTax1
14000
CY2018Q4 us-gaap Unrecognized Tax Benefits
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0
CY2019 us-gaap Unrecognized Tax Benefits Increases Resulting From Current Period Tax Positions
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363000
CY2019 us-gaap Unrecognized Tax Benefits Increases Resulting From Prior Period Tax Positions
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452000
CY2019 us-gaap Unrecognized Tax Benefits Decreases Resulting From Prior Period Tax Positions
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0
CY2019 us-gaap Unrecognized Tax Benefits Increases Resulting From Settlements With Taxing Authorities
UnrecognizedTaxBenefitsIncreasesResultingFromSettlementsWithTaxingAuthorities
0
CY2019Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
815000
CY2019Q4 us-gaap Preferred Stock Value
PreferredStockValue
CY2018Q4 us-gaap Preferred Stock Value
PreferredStockValue
CY2019Q4 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Five
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive
CY2019 us-gaap Use Of Estimates
UseOfEstimates
<div style="margin-top: 12px; margin-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;"><div style="letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;;font-style:italic;display:inline;">Use of estimates:</div></div>&#160;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.</div></div></div><div style="margin-top: 12px; margin-bottom: 0px; font-family: &quot;times new roman&quot;, times, serif;"><div style="letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-family: &quot;times new roman&quot;, times, serif; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;">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. </div></div></div> <table border="0" style="width:100%; table-layout:fixed;" cellspacing="0" cellpadding="0"><tr><td></td></tr></table>
CY2019 us-gaap Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
<div style="font-family: &quot;times new roman&quot;, times, serif; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;"><div style="font-style:italic;display:inline;;font-style:italic;display:inline;">Reclassifications:</div></div><div style="font-weight:bold;display:inline;"> </div>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&#8217; equity.</div><table border="0" style="width:100%; table-layout:fixed;" cellspacing="0" cellpadding="0"><tr><td></td></tr></table>
CY2019Q2 dei Entity Public Float
EntityPublicFloat
256875391
CY2020Q1 dei Entity Common Stock Shares Outstanding
EntityCommonStockSharesOutstanding
11017073
CY2019 dei Document Type
DocumentType
10-K
CY2019 dei Document Period End Date
DocumentPeriodEndDate
2019-12-31
CY2019 dei Entity Registrant Name
EntityRegistrantName
Regional Management Corp.
CY2019 dei Entity Well Known Seasoned Issuer
EntityWellKnownSeasonedIssuer
No
CY2019 dei Entity Voluntary Filers
EntityVoluntaryFilers
No
CY2019 dei Entity Current Reporting Status
EntityCurrentReportingStatus
Yes
CY2019 dei Security12b Title
Security12bTitle
Common Stock
CY2019 dei Entity Interactive Data Current
EntityInteractiveDataCurrent
Yes

Files In Submission

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0001193125-20-073232-index-headers.html Edgar Link pending
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