$RM
Regional Management Corp.

2023 Q1 Form 10-K Financial Statement

#000156459023002442 Filed on February 24, 2023

View on sec.gov

Income Statement

Concept 2023 Q1 2022 Q4 2022
Revenue $135.4M $132.0M $507.2M
YoY Change 12.02% 10.49% 18.4%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin $62.70M $44.91M $237.9M
YoY Change 40.74% 1.47% 50.23%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $4.078M $3.540M $12.69M
YoY Change 25.94% 11.08% 8.89%
% of Gross Profit
Operating Expenses $62.70M $115.9M $237.9M
YoY Change -27.98% 32.28% -20.84%
Operating Profit
YoY Change
Interest Expense -$16.78M -$14.86M -$34.22M
YoY Change -28544.07% -295.54% -209.17%
% of Operating Profit
Other Income/Expense, Net $11.06M $42.10M
YoY Change 4.85% 13.32%
Pretax Income $11.61M $1.232M $65.32M
YoY Change -66.79% -95.14% -41.92%
Income Tax $2.916M -$1.159M $14.10M
% Of Pretax Income 25.13% -94.07% 21.58%
Net Earnings $8.689M $2.391M $51.22M
YoY Change -67.56% -88.49% -42.24%
Net Earnings / Revenue 6.42% 1.81% 10.1%
Basic Earnings Per Share $0.93 $5.51
Diluted Earnings Per Share $0.90 $0.25 $5.30
COMMON SHARES
Basic Shares Outstanding 9.523M 9.586M 9.296M
Diluted Shares Outstanding 9.622M 9.656M

Balance Sheet

Concept 2023 Q1 2022 Q4 2022
SHORT-TERM ASSETS
Cash & Short-Term Investments $7.108M $3.873M $3.873M
YoY Change -59.69% -63.14% -63.14%
Cash & Equivalents $134.3M $131.8M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $7.108M $3.873M $3.873M
YoY Change -59.69% -63.14% -76.0%
LONG-TERM ASSETS
Property, Plant & Equipment $15.00M $14.53M $49.05M
YoY Change -63.53% 12.27% 17.73%
Goodwill $716.0K
YoY Change 0.0%
Intangibles
YoY Change
Long-Term Investments $22.49M $20.42M $20.42M
YoY Change 209.99%
Other Assets $141.9M $141.7M $141.7M
YoY Change -9.65% -9.78% -9.78%
Total Long-Term Assets $1.694B $1.721B $1.721B
YoY Change 14.46% 18.77% 19.23%
TOTAL ASSETS
Total Short-Term Assets $7.108M $3.873M $3.873M
Total Long-Term Assets $1.694B $1.721B $1.721B
Total Assets $1.701B $1.725B $1.725B
YoY Change 13.58% 18.18% 18.18%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $26.05M $33.80M $33.80M
YoY Change -43.73% -31.43% -31.43%
Accrued Expenses $36.91M $36.71M $36.71M
YoY Change 22.0% 19.58% 19.58%
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 $62.96M $70.51M $70.51M
YoY Change -17.76% -11.85% -11.85%
LONG-TERM LIABILITIES
Long-Term Debt $1.321B $1.346B $1.346B
YoY Change 17.74% 22.69% 22.69%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $1.321B $1.346B $1.346B
YoY Change 17.74% 22.69% 22.69%
TOTAL LIABILITIES
Total Short-Term Liabilities $62.96M $70.51M $70.51M
Total Long-Term Liabilities $1.321B $1.346B $1.346B
Total Liabilities $1.384B $1.416B $1.416B
YoY Change 15.47% 20.34% 20.34%
SHAREHOLDERS EQUITY
Retained Earnings $351.3M $345.5M
YoY Change 12.88%
Common Stock $115.9M $113.8M
YoY Change 7.21%
Preferred Stock
YoY Change
Treasury Stock (at cost) $150.1M $150.1M
YoY Change 15.91%
Treasury Stock Shares $4.807M $4.807M
Shareholders Equity $316.7M $308.6M $308.6M
YoY Change
Total Liabilities & Shareholders Equity $1.701B $1.725B $1.725B
YoY Change 13.58% 18.18% 18.18%

Cashflow Statement

Concept 2023 Q1 2022 Q4 2022
OPERATING ACTIVITIES
Net Income $8.689M $2.391M $51.22M
YoY Change -67.56% -88.49% -42.24%
Depreciation, Depletion And Amortization $4.078M $3.540M $12.69M
YoY Change 25.94% 11.08% 8.89%
Cash From Operating Activities $52.65M $60.07M $224.3M
YoY Change 14.99% 13.36% 18.68%
INVESTING ACTIVITIES
Capital Expenditures $1.647M $4.868M $5.874M
YoY Change 46.27% -283.42% 63.71%
Acquisitions
YoY Change
Other Investing Activities -$16.82M -$146.7M -$435.9M
YoY Change -64.65% 20.36% 25.18%
Cash From Investing Activities -$20.20M -$151.6M -$447.3M
YoY Change -59.07% 21.7% 25.98%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net $20.61M
YoY Change -69.44%
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities -29.96M 106.3M 205.6M
YoY Change -374.05% -2.12% -15.53%
NET CHANGE
Cash From Operating Activities 52.65M 60.07M 224.3M
Cash From Investing Activities -20.20M -151.6M -447.3M
Cash From Financing Activities -29.96M 106.3M 205.6M
Net Change In Cash 2.487M 14.79M -17.39M
YoY Change -66.23% -60.06% -122.49%
FREE CASH FLOW
Cash From Operating Activities $52.65M $60.07M $224.3M
Capital Expenditures $1.647M $4.868M $5.874M
Free Cash Flow $51.00M $55.20M $218.5M
YoY Change 14.2% -0.8% 17.81%

Facts In Submission

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CY2020 us-gaap Provision For Doubtful Accounts
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CY2021 us-gaap Net Cash Provided By Used In Operating Activities
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CY2020 us-gaap Net Cash Provided By Used In Operating Activities
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CY2022 us-gaap Proceeds From Collection Of Finance Receivables
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CY2020 us-gaap Proceeds From Collection Of Finance Receivables
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CY2022 us-gaap Payments To Acquire Intangible Assets
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CY2021 us-gaap Payments To Acquire Intangible Assets
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CY2020 us-gaap Payments To Acquire Intangible Assets
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CY2022 us-gaap Payments To Acquire Property Plant And Equipment
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CY2021 us-gaap Payments To Acquire Property Plant And Equipment
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CY2022 us-gaap Payments To Acquire Available For Sale Securities Debt
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CY2022 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
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CY2020 us-gaap Proceeds From Lines Of Credit
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CY2020 us-gaap Repayments Of Lines Of Credit
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CY2022 us-gaap Proceeds From Accounts Receivable Securitization
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CY2021 us-gaap Proceeds From Accounts Receivable Securitization
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CY2020 us-gaap Proceeds From Accounts Receivable Securitization
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CY2021 us-gaap Repayments Of Accounts Receivable Securitization
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CY2020 us-gaap Repayments Of Accounts Receivable Securitization
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CY2022 us-gaap Payments Of Debt Issuance Costs
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CY2020 us-gaap Payments Of Debt Issuance Costs
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CY2022 us-gaap Payments Related To Tax Withholding For Share Based Compensation
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CY2021 us-gaap Payments Related To Tax Withholding For Share Based Compensation
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CY2020 us-gaap Payments Related To Tax Withholding For Share Based Compensation
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CY2021 us-gaap Payments Of Ordinary Dividends
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CY2020 us-gaap Payments Of Ordinary Dividends
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CY2022 us-gaap Payments For Repurchase Of Common Stock
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CY2020 us-gaap Payments For Repurchase Of Common Stock
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CY2022 us-gaap Net Cash Provided By Used In Financing Activities
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CY2021 us-gaap Net Cash Provided By Used In Financing Activities
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CY2020 us-gaap Net Cash Provided By Used In Financing Activities
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CY2020Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
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CY2020Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
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CY2021 us-gaap Income Taxes Paid Net
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CY2021 us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
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CY2020 us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
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CY2022Q4 rm Dividends Payable Current And Noncurrent Net
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CY2020Q4 rm Dividends Payable Current And Noncurrent Net
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CY2021Q4 us-gaap Cash
Cash
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CY2020Q4 us-gaap Cash
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CY2021Q4 us-gaap Restricted Cash And Cash Equivalents
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CY2020Q4 us-gaap Restricted Cash And Cash Equivalents
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CY2022Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
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CY2021Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
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CY2020Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
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CY2022 us-gaap Nature Of Operations
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<p style="margin-bottom:0pt;margin-top:9pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Calibri;font-style:normal;text-transform:none;font-variant: normal;">Note 1. Nature of Business</p> <p style="margin-bottom:0pt;margin-top:4pt;text-indent:0%;font-size:10pt;font-family:Calibri;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Regional Management Corp. (the “<span style="text-decoration:underline;">Company</span>”) 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 ceased accepting applications for retail loan products, effective November 2022. The Company will continue to own and service its existing portfolio of retail loans. As of December 31, 2022, the Company operated under the name “Regional Finance” online and in branch locations in 18 states across the United States. </p> <p style="margin-bottom:0pt;margin-top:9pt;text-indent:0%;color:#000000;font-size:10pt;font-family:Calibri;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><span style="Background-color:#FFFFFF;">The Company’s loan volume and contractual delinquency follow seasonal trends. Demand for the Company’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, back-to-school, and 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. </span>Changes in quarterly growth or liquidation could result in larger allowance for credit loss releases in periods of portfolio liquidation, and larger provisions for credit losses in periods of portfolio growth. <span style="Background-color:#FFFFFF;">Consequently, the Company experiences seasonal fluctuations in its operating results. However, changes in macroeconomic factors, including inflation, rising interest rates, and geopolitical conflict, have impacted the Company’s typical seasonal trends for loan volume and delinquency.</span></p>
CY2022Q4 us-gaap Number Of States In Which Entity Operates
NumberOfStatesInWhichEntityOperates
18
CY2022 us-gaap Number Of Reportable Segments
NumberOfReportableSegments
1
CY2022 us-gaap Use Of Estimates
UseOfEstimates
<p style="margin-bottom:0pt;margin-top:9pt;text-indent:0%;font-weight:bold;font-style:italic;font-size:10pt;font-family:Calibri;text-transform:none;font-variant: normal;">Use of estimates:<span style="font-weight:normal;font-style:normal;"> 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. </span></p> <p style="margin-bottom:0pt;margin-top:9pt;text-indent:0%;font-size:10pt;font-family:Calibri;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Estimates that are susceptible to change relate to the determination of the allowance for credit losses, the valuation of deferred tax assets and liabilities, and the fair value of financial instruments.</p>
CY2022 us-gaap Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
<p style="margin-bottom:0pt;margin-top:9pt;text-indent:0%;font-weight:bold;font-style:italic;font-size:10pt;font-family:Calibri;text-transform:none;font-variant: normal;">Reclassifications and revisions:<span style="font-style:normal;"> </span><span style="font-weight:normal;font-style:normal;">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’ equity. </span></p> <p style="margin-bottom:0pt;margin-top:9pt;text-indent:0%;font-size:10pt;font-family:Calibri;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Revision: Subsequent to issuance of the September 30, 2021 financial statements, the Company concluded that certain cash flow statement line items should be broken out to reflect cash receipts and cash payments on a gross basis, rather than net. As a result, the net originations of finance receivables, net advances (payments) on senior revolving credit facility, net advances (payments) on revolving warehouse credit facilities, and net advances on securitizations line items have been updated to reflect a gross presentation. The Company also concluded that the amortization of deferred origination fees and costs, accrued interest receivables, and unearned insurance premiums included in the net originations of finance receivables (previously in investing activities) and accrued interest payables included in debt (previously in financing activities) should be included in operating activities. These changes will classify cash flows related to interest received on finance receivables and interest paid on debt as operating activities and cash flows related to net loan origination fees and costs as investing activities. To correct these classification errors, amounts previously reported have been reclassified for the year ended December 31, 2020. Impacts for the year ended December 31, 2020 included a decrease in net cash provided by operating activities of $7.2 million, a decrease in net cash used in investing activities of $6.7 million, and an increase in net cash provided by financing activities of $0.5 million. </p>
CY2022 rm Threshold Period Past Due For Write Off Of Financing Receivables
ThresholdPeriodPastDueForWriteOffOfFinancingReceivables
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CY2022 rm Bankruptcy Threshold Period Past Due For Write Off Of Financing Receivables
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CY2022 rm Finance Receivables Income Recognition Contractual Delinquent Period
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CY2022Q4 us-gaap Financing Receivable Threshold Period Past Due Writeoff
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CY2022 us-gaap Concentration Risk Geographic
ConcentrationRiskGeographic
Customers living in Texas, North Carolina, and South Carolina accounted for 34%, 15%, and 11%, respectively, of the Company’s net finance receivables as of December 31, 2022.
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CY2021Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
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CY2022 rm Number Of Fico Band Categories
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CY2022Q4 us-gaap Financing Receivable Originated Two Years Before Latest Fiscal Year
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CY2022Q4 us-gaap Financing Receivable Originated Three Years Before Latest Fiscal Year
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CY2022Q4 us-gaap Financing Receivable Originated Four Years Before Latest Fiscal Year
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CY2022Q4 us-gaap Financing Receivable Originated Five Or More Years Before Latest Fiscal Year
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CY2021Q4 us-gaap Financing Receivable Originated Two Years Before Latest Fiscal Year
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CY2021Q4 us-gaap Financing Receivable Originated Three Years Before Latest Fiscal Year
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CY2021Q4 us-gaap Financing Receivable Originated Four Years Before Latest Fiscal Year
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CY2021Q4 us-gaap Financing Receivable Originated Five Or More Years Before Latest Fiscal Year
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CY2021Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
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CY2022Q4 us-gaap Financing Receivable Percent Past Due1
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CY2022Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
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CY2022Q4 rm Finance Receivable Net Percent
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CY2022Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
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CY2022Q4 rm Financing Receivable Recorded Investment Nonaccrual Status Percent
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CY2021Q4 us-gaap Financing Receivable Percent Past Due1
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CY2021Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
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CY2021Q4 rm Finance Receivable Net Percent
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CY2021Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
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45170000
CY2021Q4 rm Financing Receivable Recorded Investment Nonaccrual Status Percent
FinancingReceivableRecordedInvestmentNonaccrualStatusPercent
0.032
CY2022 us-gaap Financing Receivable Accrued Interest Writeoff
FinancingReceivableAccruedInterestWriteoff
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CY2021 us-gaap Financing Receivable Accrued Interest Writeoff
FinancingReceivableAccruedInterestWriteoff
8900000
CY2021Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
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CY2020Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
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CY2022 rm Macroeconomic Reserve Build Release
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CY2022 rm Portfolio Growth Reserve Build
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CY2021 rm Portfolio Growth Reserve Build
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CY2022Q4 us-gaap Loans And Leases Receivable Allowance
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CY2021Q4 us-gaap Loans And Leases Receivable Allowance
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CY2022Q4 rm Allowance Percentage Of Finance Receivables
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CY2021Q4 rm Allowance Percentage Of Finance Receivables
AllowancePercentageOfFinanceReceivables
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CY2021Q4 us-gaap Loans And Leases Receivable Allowance
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CY2022 us-gaap Provision For Loan And Lease Losses
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CY2022 us-gaap Allowance For Loan And Lease Losses Write Offs
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CY2022 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
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CY2022Q4 us-gaap Loans And Leases Receivable Allowance
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CY2022Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
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CY2022Q4 rm Allowance Percentage Of Finance Receivables
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CY2020Q4 us-gaap Loans And Leases Receivable Allowance
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CY2021 us-gaap Provision For Loan And Lease Losses
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CY2021 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
83652000
CY2021 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
3937000
CY2021Q4 us-gaap Loans And Leases Receivable Allowance
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159300000
CY2021Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
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1426257000
CY2021Q4 rm Allowance Percentage Of Finance Receivables
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0.112
CY2019Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
62200000
CY2020 rm Impact Of Cecl Adoption On Beginning Allowance
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60100000
CY2020 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
123810000
CY2020 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
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CY2020 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
4726000
CY2020Q4 us-gaap Loans And Leases Receivable Allowance
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150000000
CY2020Q4 us-gaap Loans And Leases Receivable Net Of Deferred Income
LoansAndLeasesReceivableNetOfDeferredIncome
1136259000
CY2020Q4 rm Allowance Percentage Of Finance Receivables
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0.132
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CY2021 us-gaap Financing Receivable Modifications Number Of Contracts2
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4652
CY2021 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
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16078000
CY2020 us-gaap Financing Receivable Modifications Number Of Contracts2
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6807
CY2020 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
21344000
CY2022 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
2678
CY2022 rm Tdr Finance Receivables Defaulted
TDRFinanceReceivablesDefaulted
10432000
CY2021 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
1667
CY2021 rm Tdr Finance Receivables Defaulted
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5468000
CY2020 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
3009
CY2020 rm Tdr Finance Receivables Defaulted
TDRFinanceReceivablesDefaulted
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CY2022Q4 us-gaap Debt Securities Available For Sale Accrued Interest After Allowance For Credit Loss
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CY2022Q4 us-gaap Property Plant And Equipment Gross
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CY2021Q4 us-gaap Property Plant And Equipment Gross
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CY2022Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
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27757000
CY2021Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
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24913000
CY2022Q4 us-gaap Property Plant And Equipment Net
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14526000
CY2021Q4 us-gaap Property Plant And Equipment Net
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12938000
CY2022 us-gaap Depreciation
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CY2021 us-gaap Depreciation
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4500000
CY2020 us-gaap Depreciation
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CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Two
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8591000
CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Three
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6815000
CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Four
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5195000
CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Five
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3963000
CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due After Year Five
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10491000
CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due
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43580000
CY2022Q4 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
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6868000
CY2022Q4 us-gaap Operating Lease Liability
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36712000
CY2022 us-gaap Operating Lease Cost
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CY2021 us-gaap Operating Lease Cost
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CY2020 us-gaap Operating Lease Cost
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CY2022 us-gaap Short Term Lease Cost
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CY2021 us-gaap Short Term Lease Cost
ShortTermLeaseCost
648000
CY2020 us-gaap Short Term Lease Cost
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381000
CY2022 us-gaap Lease Cost
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CY2021 us-gaap Lease Cost
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CY2020 us-gaap Lease Cost
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CY2021Q4 us-gaap Operating Lease Weighted Average Discount Rate Percent
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CY2021 us-gaap Operating Lease Expense
OperatingLeaseExpense
10200000
CY2020 us-gaap Operating Lease Expense
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8800000
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2721000
CY2020 us-gaap Increase Decrease In Fair Value Of Interest Rate Fair Value Hedging Instruments1
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CY2020Q4 us-gaap Interest Rate Derivative Assets At Fair Value
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265000
CY2021Q4 us-gaap Interest Rate Derivative Assets At Fair Value
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6586000
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CY2022Q4 us-gaap Goodwill Impaired Accumulated Impairment Loss
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234000
CY2022Q4 us-gaap Goodwill
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CY2021Q4 us-gaap Goodwill Gross
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CY2021Q4 us-gaap Goodwill Impaired Accumulated Impairment Loss
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234000
CY2021Q4 us-gaap Goodwill
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716000
CY2022Q4 rm Intangible Assets Gross Including Goodwill
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26313000
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14191000
CY2022Q4 us-gaap Intangible Assets Net Including Goodwill
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CY2021Q4 rm Intangible Assets Gross Including Goodwill
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CY2021Q4 rm Intangible Assets Net Including Goodwill Accumulated Amortization
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11262000
CY2021Q4 us-gaap Intangible Assets Net Including Goodwill
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CY2021 us-gaap Amortization Of Intangible Assets
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CY2020 us-gaap Amortization Of Intangible Assets
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CY2022Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Three
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CY2022Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Four
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1138000
CY2022Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Five
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940000
CY2022Q4 us-gaap Finite Lived Intangible Assets Amortization Expense After Year Five
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1605000
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GoodwillImpairmentLoss
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CY2020 us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
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CY2021 us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
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CY2022 us-gaap Goodwill Acquired During Period
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CY2021 us-gaap Goodwill Acquired During Period
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CY2021Q4 us-gaap Derivative Fair Value Amount Offset Against Collateral Net
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CY2022Q4 us-gaap Debt Instrument Carrying Amount
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CY2022Q4 us-gaap Long Term Debt
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CY2021Q4 us-gaap Debt Instrument Carrying Amount
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11010000
CY2021Q4 us-gaap Long Term Debt
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CY2022Q4 us-gaap Line Of Credit Facility Remaining Borrowing Capacity
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CY2021Q4 us-gaap Line Of Credit Facility Remaining Borrowing Capacity
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CY2021Q4 us-gaap Prepaid Expense Current And Noncurrent
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CY2022Q4 us-gaap Income Tax Receivable
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CY2022Q4 us-gaap Credit Card Receivables
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5118000
CY2021Q4 us-gaap Credit Card Receivables
CreditCardReceivables
2727000
CY2022Q4 us-gaap Other Receivables
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2748000
CY2021Q4 us-gaap Other Receivables
OtherReceivables
2906000
CY2021Q4 rm Interest Rate Caps
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6586000
CY2022Q4 us-gaap Other Assets Miscellaneous
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1315000
CY2021Q4 us-gaap Other Assets Miscellaneous
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863000
CY2022Q4 us-gaap Other Assets
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28208000
CY2021Q4 us-gaap Other Assets
OtherAssets
21757000
CY2021Q4 us-gaap Interest Rate Derivative Assets At Fair Value
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6586000
CY2020Q4 us-gaap Interest Rate Derivative Assets At Fair Value
InterestRateDerivativeAssetsAtFairValue
265000
CY2021 rm Derivative Interest Rate Cap Purchases
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3600000
CY2020 rm Derivative Interest Rate Cap Purchases
DerivativeInterestRateCapPurchases
526000
CY2022 rm Derivative Interest Rate Cap Sales
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19720000
CY2022 us-gaap Increase Decrease In Fair Value Of Interest Rate Fair Value Hedging Instruments1
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13134000
CY2021 us-gaap Current Federal Tax Expense Benefit
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CY2020 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
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CY2022 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
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CY2021 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
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CY2020 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
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CY2022 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
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CY2021 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
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CY2020 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
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CY2022 us-gaap Deferred Federal Income Tax Expense Benefit
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CY2021 us-gaap Deferred Federal Income Tax Expense Benefit
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CY2020 us-gaap Deferred Federal Income Tax Expense Benefit
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CY2022 us-gaap Deferred State And Local Income Tax Expense Benefit
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CY2021 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
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CY2020 us-gaap Deferred State And Local Income Tax Expense Benefit
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CY2020Q4 us-gaap Stock Repurchase Program Authorized Amount1
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30000000.0
us-gaap Stock Repurchased During Period Shares
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952000
CY2021Q2 us-gaap Stock Repurchase Program Authorized Amount1
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30000000.0
CY2021Q3 rm Increase Decrease In Authorized Amount Under Stock Repurchase Program
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20000000.0
CY2021Q2 us-gaap Stock Repurchase Program Authorized Amount1
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CY2021Q3 us-gaap Stock Repurchase Program Authorized Amount1
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50000000.0
us-gaap Stock Repurchased During Period Shares
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945000
CY2022Q1 us-gaap Stock Repurchase Program Authorized Amount1
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20000000.0
us-gaap Stock Repurchased During Period Shares
StockRepurchasedDuringPeriodShares
426000
CY2022 us-gaap Stock Repurchased During Period Shares
StockRepurchasedDuringPeriodShares
437000
CY2021 us-gaap Stock Repurchased During Period Shares
StockRepurchasedDuringPeriodShares
1450000
CY2020 us-gaap Stock Repurchased During Period Shares
StockRepurchasedDuringPeriodShares
435000
CY2022 rm Share Based Compensation Arrangement By Share Based Payment Award Per Share Weighted Average Price Of Shares Repurchased
ShareBasedCompensationArrangementByShareBasedPaymentAwardPerShareWeightedAveragePriceOfSharesRepurchased
47.14
CY2021 rm Share Based Compensation Arrangement By Share Based Payment Award Per Share Weighted Average Price Of Shares Repurchased
ShareBasedCompensationArrangementByShareBasedPaymentAwardPerShareWeightedAveragePriceOfSharesRepurchased
46.47
CY2020 rm Share Based Compensation Arrangement By Share Based Payment Award Per Share Weighted Average Price Of Shares Repurchased
ShareBasedCompensationArrangementByShareBasedPaymentAwardPerShareWeightedAveragePriceOfSharesRepurchased
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CY2022 us-gaap Stock Repurchased During Period Value
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20613000
CY2021 us-gaap Stock Repurchased During Period Value
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67442000
CY2020 us-gaap Stock Repurchased During Period Value
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12014000
CY2022 us-gaap Common Stock Dividends Per Share Declared
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CY2021 us-gaap Common Stock Dividends Per Share Declared
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CY2020 us-gaap Common Stock Dividends Per Share Declared
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CY2022 us-gaap Current Federal Tax Expense Benefit
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CY2022 us-gaap Deferred Income Tax Expense Benefit
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CY2021 us-gaap Deferred Income Tax Expense Benefit
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CY2020 us-gaap Deferred Income Tax Expense Benefit
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CY2022 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
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CY2021 us-gaap Income Tax Expense Benefit
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CY2020 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
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CY2022 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
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CY2022 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
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CY2021 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
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23619000
CY2021 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
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CY2020 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
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CY2020 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
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CY2022 us-gaap Income Tax Reconciliation State And Local Income Taxes
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CY2022 us-gaap Effective Income Tax Rate Reconciliation State And Local Income Taxes
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CY2021 us-gaap Income Tax Reconciliation State And Local Income Taxes
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CY2021 us-gaap Effective Income Tax Rate Reconciliation State And Local Income Taxes
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CY2020 us-gaap Income Tax Reconciliation State And Local Income Taxes
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CY2020 us-gaap Effective Income Tax Rate Reconciliation State And Local Income Taxes
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CY2022 us-gaap Income Tax Reconciliation Nondeductible Expense Share Based Compensation Cost
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CY2022 us-gaap Effective Income Tax Rate Reconciliation Nondeductible Expense Share Based Compensation Cost
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CY2021 us-gaap Income Tax Reconciliation Nondeductible Expense Share Based Compensation Cost
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CY2021 us-gaap Effective Income Tax Rate Reconciliation Nondeductible Expense Share Based Compensation Cost
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CY2020 us-gaap Income Tax Reconciliation Nondeductible Expense Share Based Compensation Cost
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CY2020 us-gaap Effective Income Tax Rate Reconciliation Nondeductible Expense Share Based Compensation Cost
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CY2021 us-gaap Effective Income Tax Rate Reconciliation Share Based Compensation Excess Tax Benefit Amount
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CY2021 us-gaap Effective Income Tax Rate Reconciliation Share Based Compensation Excess Tax Benefit Percent
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CY2020 us-gaap Effective Income Tax Rate Reconciliation Share Based Compensation Excess Tax Benefit Amount
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CY2022 us-gaap Effective Income Tax Rate Reconciliation Tax Credits Research
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CY2021 us-gaap Income Tax Expense Benefit
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CY2021 us-gaap Effective Income Tax Rate Continuing Operations
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CY2020 us-gaap Income Tax Expense Benefit
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CY2020 us-gaap Effective Income Tax Rate Continuing Operations
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CY2021Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
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37179000
CY2022Q4 rm Deferred Tax Assets Lease Liabilities
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8782000
CY2021Q4 rm Deferred Tax Assets Lease Liabilities
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7223000
CY2022Q4 rm Deferred Tax Assets Unearned Insurance Commissions
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8345000
CY2021Q4 rm Deferred Tax Assets Unearned Insurance Commissions
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7930000
CY2022Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost
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2512000
CY2021Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost
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1942000
CY2022Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Accrued Liabilities
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2081000
CY2021Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Accrued Liabilities
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities
3949000
CY2022Q4 rm Deferred Tax Assets Research And Experimental Expenditures
DeferredTaxAssetsResearchAndExperimentalExpenditures
2060000
CY2022Q4 us-gaap Deferred Tax Assets Operating Loss Carryforwards State And Local
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1478000
CY2021Q4 us-gaap Deferred Tax Assets Operating Loss Carryforwards State And Local
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310000
CY2022Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Unearned Premiums Reserve
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CY2021Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Unearned Premiums Reserve
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16688000
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17736000
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14467000
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