Atlanticus Holdings Corp ATLC Income Statement

Atlanticus holdings corp (ATLC)

Income statement / TTM

Mar'20	Dec'19	Sep'19	Jun'19	Mar'19	Dec'18	Sep'18	Jun'18	Mar'18	Dec'17	Sep'17	Jun'17	Mar'17	Dec'16	Sep'16	Jun'16	Mar'16	Dec'15	Sep'15	Jun'15	Mar'15	Dec'14	Sep'14	Jun'14	Mar'14	Dec'13	Sep'13	Jun'13	Mar'13	Dec'12	Sep'12	Jun'12	Mar'12	Dec'11	Sep'11	Jun'11	Mar'11	Sep'10	Jun'10
Interest income:
Consumer loans, including past due fees
313,498	260,832	221,597	193,025	175,677	160,968	148,356	135,440	124,310	114,488	106,183	101,251	96,100	88,389	82,318	75,128	70,535	69,830	68,680	70,298	70,816	73,330	70,610	70,104	69,398	69,265	72,244	74,323	80,495	85,801	96,056	110,835	126,837	144,331	176,921	211,267	0	0	0
Other
408	386	349	292	224	200	178	161	163	219	223	225	242	233	223	197	147	87	73	114	141	346	353	335	382	256	506	796	918	1,009	903	820	1,066	1,186	1,430	1,527	0	0	0
Total interest income
313,906	261,218	221,946	193,317	175,901	161,168	148,534	135,601	124,473	114,707	106,406	101,476	96,342	88,622	82,541	75,325	70,682	69,917	68,753	70,412	70,957	73,676	70,963	70,439	69,780	69,521	72,750	75,119	81,413	86,810	96,959	111,655	127,903	145,517	178,351	212,794	0	0	0
Interest expense
53,168	50,730	46,914	43,096	39,889	36,896	34,437	32,424	30,036	27,700	25,018	23,007	21,380	20,207	19,284	18,680	18,417	18,330	19,340	20,793	22,422	24,052	24,686	24,579	24,287	23,872	23,179	24,586	26,045	31,124	35,822	38,698	42,728	43,828	45,188	51,108	0	0	0
Net interest income before fees and related income on earning assets and provision for losses on loans, interest and fees receivable
260,738	210,488	175,032	150,221	136,012	124,272	0	0	0	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable
-	-	-	-	-	-	-	-	-	-	-	78,469	74,962	68,415	63,257	56,645	52,265	51,587	49,413	49,619	48,535	49,624	46,277	45,860	45,493	45,649	49,571	50,533	55,368	55,686	61,137	72,957	85,175	101,689	133,163	161,686	0	0	0
Fees and related income on earning assets
79,659	71,147	53,984	43,085	35,042	29,992	26,195	20,825	17,702	14,289	14,414	10,323	12,230	17,316	24,375	40,977	47,850	53,182	55,727	59,719	69,164	88,830	109,452	107,165	95,188	69,109	36,612	21,933	26,145	69,206	56,057	67,109	85,210	94,565	175,433	277,608	0	0	0
Net losses upon impairment of loans, interest and fees receivable recorded at fair value
909	897	-1,132	635	-988	549	0	0	0	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Provision for losses on loans, interest and fees receivable recorded at net realizable value
281,121	248,383	183,612	150,883	118,945	100,338	0	0	0	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net interest income, fees and related income on earning assets
58,367	32,355	46,536	41,788	53,097	53,377	0	0	0	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net recovery of (losses upon) charge off of loans and fees receivable recorded at fair value
-	-	-	-	-	-	-	-	-	-	-	-19,415	-25,036	-22,096	-22,747	-29,566	-33,417	-38,878	-35,275	-27,050	-17,109	-4,852	2,767	6,246	10,647	14,560	21,913	27,374	40,298	90,128	0	0	0	-	-	-	-	-	-
Losses upon charge off of loans and fees receivable recorded at fair value
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	139,480	204,180	328,758	0	0	0
Provision for losses on loans and fees receivable recorded at net realizable value
-	-	-	-	-	-	-	-	-	-	-	64,576	59,643	53,721	41,615	33,021	28,171	26,608	26,107	25,351	26,121	30,828	31,771	34,332	34,271	29,678	23,575	18,267	17,549	16,770	14,063	8,786	2,752	1,089	9,184	14,158	0	0	0
Net interest income, fees and related income on earning assets
-	-	-	-	-	-	-	-	-	-	-	43,631	52,585	54,106	68,764	94,167	105,361	117,039	114,308	111,037	108,687	112,478	121,191	112,447	95,763	70,520	40,695	26,825	23,666	17,994	-833	8,087	25,373	55,685	95,232	96,378	0	0	0
Other operating income:
Servicing income
14,420	13,754	10,898	8,047	6,468	5,556	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Servicing income
-	-	-	-	-	-	-	-	-	-	-	3,609	3,729	4,087	4,243	4,482	4,891	5,004	5,452	5,386	5,230	4,910	4,832	5,487	6,857	8,218	19,917	19,206	17,570	16,233	3,922	3,687	3,579	3,281	4,214	5,254	0	0	0
Other income
103,181	117,903	113,535	83,947	56,148	39,820	2,665	2,357	1,826	1,419	1,045	524	359	320	332	339	356	553	509	1,122	1,284	2,084	1,883	2,263	2,325	3,394	3,987	3,488	3,811	2,487	0	0	0	-	-	-	-	-	-
Gain on repurchase of convertible senior notes
-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Ancillary and interchange revenues
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	9,122	10,456	0	0	0
Gains (Losses) on Extinguishment of Debt
-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	0	0	-	-	-	-	-	-	-	-	-	-	0	-	-	-	6,288	14,947	0	0	0
Gain on buy-out of equity-method investee members
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	619	619	0	0	0
Equity in income (loss) of equity-method investee
708	1,001	826	493	799	581	747	960	833	1,158	1,096	1,561	1,482	2,150	2,523	2,325	2,707	2,780	4,013	5,518	5,652	6,983	6,276	6,420	6,536	8,437	6,720	4,996	7,578	9,288	13,812	20,086	20,370	32,657	27,385	11,364	0	0	0
Total other operating income
110,720	125,817	121,228	86,206	58,970	42,370	5,928	6,485	6,056	6,431	6,013	5,808	6,721	7,708	8,135	8,183	7,954	8,337	22,042	24,094	24,234	26,045	12,991	14,170	15,718	20,049	30,624	27,690	28,959	28,008	19,205	26,241	28,442	43,008	47,628	42,640	0	0	0
Other operating expense:
Salaries and benefits
27,148	26,229	25,147	24,556	23,723	23,430	23,387	23,138	23,269	22,751	22,886	23,626	24,074	24,026	24,925	23,296	21,437	19,825	18,613	18,457	18,799	19,777	18,937	18,814	18,521	17,832	18,524	16,626	17,055	18,313	16,662	18,659	20,136	21,022	24,804	28,598	0	0	0
Card and loan servicing
54,852	49,459	44,890	41,024	38,425	37,145	0	0	0	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cost of Services
-	-	-	-	-	-	-	-	-	-	-	29,073	28,811	30,662	30,743	33,465	35,788	37,071	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Card and loan servicing
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	50,976	51,325	49,218	46,119	42,737	41,433	41,310	41,095	27,713	28,328	35,989	45,345	70,260	84,422	0	0	0
Marketing and solicitation
39,318	36,388	30,290	23,182	16,165	12,124	11,614	10,895	13,215	13,070	12,074	9,731	6,250	4,904	3,080	3,204	2,604	2,235	1,988	1,806	2,105	2,381	4,061	5,591	7,546	8,719	7,907	6,071	4,115	2,996	2,903	3,861	3,999	3,620	2,979	2,225	0	0	0
Depreciation
1,133	1,137	1,145	1,095	1,047	987	930	932	940	1,021	1,217	1,775	3,631	7,477	14,648	24,226	32,088	40,778	48,709	49,622	56,234	69,096	65,632	59,455	43,300	17,965	6,347	2,757	2,687	2,742	2,649	1,635	3,072	4,642	6,972	9,469	0	0	0
Other
-14,119	-13,196	-12,940	-17,332	-18,757	-18,579	-19,291	-16,918	-17,248	-18,449	-14,931	-15,149	-12,301	-7,101	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	21,932	26,073	27,077	27,607	25,975	22,496	21,888	22,175	22,713	22,453	22,645	23,790	24,687	23,498	25,172	26,121	26,110	30,094	37,806	0	0	0
Total other operating expense
136,570	126,409	114,412	107,189	98,117	92,265	91,056	86,825	88,233	86,825	81,548	79,354	75,067	74,170	85,125	97,319	106,378	121,841	135,493	138,706	149,837	165,828	162,102	157,073	140,760	113,348	97,968	89,532	88,957	89,833	73,425	77,655	89,317	100,739	135,109	162,520	0	0	0
Income before income taxes
32,517	31,763	13,774	-2,147	0	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Income (loss) before income taxes
-	-	-	-	-	-	-	-	-53,170	-47,250	-30,674	-29,915	-15,761	-12,356	-8,226	5,031	6,937	3,535	857	-3,575	-16,916	-27,305	-27,920	-30,456	-29,279	-22,779	-26,649	-35,017	-36,332	-43,831	-55,053	-43,327	-35,502	-2,046	7,751	-23,502	0	0	0
Income tax (expense) benefit
6,600	5,553	6,569	3,212	-4,036	-4,130	-7,264	-7,407	-6,852	-6,378	-6,051	-10,695	-5,595	-6,015	-1,901	1,862	2,645	1,829	-38,308	-36,465	-37,232	-34,632	-3,870	-3,367	-3,578	-5,114	-6,349	-11,728	-13,447	-15,609	-9,646	-5,091	-2,984	-994	95	-1,517	0	0	0
Loss on continuing operations
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-28,222	-45,407	-38,236	-32,518	-1,052	7,656	-21,985	0	0	0
Income from discontinued operations before income taxes
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	69,063	80,060	36,076	137,014	140,063	131,992	131,594	0	0	0
Income tax expense
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	16,709	9,060	3,749	3,691	3,947	6,390	7,382	0	0	0
Income from discontinued operations
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	52,354	71,000	32,327	133,323	136,116	125,602	124,212	0	0	0
Net income
25,917	26,210	46,783	17,593	17,986	7,612	-33,664	-31,962	-46,318	-40,872	-24,623	-19,220	-10,166	-6,341	-6,325	3,169	4,292	1,706	39,165	32,890	20,316	7,327	-24,050	-27,089	-25,701	-17,665	-19,992	21,817	25,651	24,132	25,593	-5,909	100,805	135,064	133,258	102,227	0	0	0
Net loss attributable to noncontrolling interests
-238	-233	-239	-260	-253	-244	-274	-197	-139	-91	0	1	-6	-6	-6	-10	-7	-7	-7	-3	-2	150	148	147	206	76	332	46	-224	-319	-538	-528	-325	1,047	577	204	0	0	0
Net income attributable to controlling interests
26,155	26,443	47,022	17,853	18,239	7,856	-33,390	-31,765	-46,179	-40,781	-24,623	-19,221	-10,160	-6,335	-6,319	3,179	4,299	1,713	39,172	32,893	20,318	7,177	-24,198	-27,236	-25,907	-17,741	-20,324	21,771	25,875	24,451	26,131	-5,381	101,130	134,017	132,681	102,023	0	0	0
Preferred dividends
0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net income attributable to common shareholders
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loss on continuing operations attributable to controlling interests per common share-basic (in dollars per share)
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-0.06	-0.60	-0.42	-0.37	-0.34	-0.19	-0.16	0.65	-0.16	-0.83
Loss on continuing operations attributable to controlling interests per common share-diluted (in dollars per share)
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-0.06	-0.60	-0.42	-0.37	-0.33	-0.19	-0.16	0.64	-0.16	-0.83
Income from discontinued operations attributable to controlling interests per common sharebasic (in dollars per share)
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.07	2.32	0.16	0.17	0.22	0.27	4.61	0.15	0.21	0.10
Income from discontinued operations attributable to controlling interests per common sharediluted (in dollars per share)
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.06	2.32	0.16	0.17	0.22	0.27	4.59	0.15	0.21	0.10
Net income attributable to common shareholders per common share—basic (in dollars per share)
0.18	0.08	0.90	0.36	0.40	1.65	-1.16	0.41	-0.34	-1.31	-1.04	-0.63	0.05	-0.16	-0.65	0.02	0.33	-0.15	0.03	0.10	0.14	2.52	-0.42	-0.80	-0.79	0.29	-0.65	-0.71	-0.22	0.01	1.72	-0.26	-0.20	-0.12	0.08	4.45	0.80	0.05	-0.73
Net income attributable to common shareholders per common share—diluted (in dollars per share)
0.17	0.09	0.83	0.35	0.39	1.65	-1.16	0.41	-0.34	-1.31	-1.04	-0.63	0.05	-0.16	-0.65	0.02	0.33	-0.15	0.03	0.10	0.14	2.52	-0.42	-0.80	-0.79	0.29	-0.65	-0.71	-0.22	0.00	1.72	-0.26	-0.20	-0.11	0.08	4.43	0.79	0.05	-0.73
Servicing Income [Member]
Servicing income
1,704	1,786	1,740	1,766	2,023	1,969	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-