Nicholas financial inc (NICK)
Balance Sheet / TTM
Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11
Assets
Cash

15,801

4,678

7,539

35,595

4,252

2,787

4,981

2,626

3,082

3,672

7,717

2,855

3,664

3,799

4,520

1,849

3,005

1,672

1,230

3,388

2,635

4,981

2,290

2,635

4,089

4,473

3,658

2,797

4,666

3,722

5,049

2,803

4,720,086

2,719

2,988

2,017

Restricted cash

8,305

9,250

26,978

2,047

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Finance receivables, net

190,327

199,452

209,426

202,042

-

-

-

266,573

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repossessed assets

1,500

1,911

2,025

1,924

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Income taxes receivable

1,669

1,669

1,669

1,654

2,115

1,702

1,256

1,505

620

628

-

719

0

697

0

593

418

662

-

113

646

920

-

1,093

276

847

-

102

1,397

1,282

-

497

485,807

659

-

-

Finance receivables, net

-

-

-

-

219,210

236,241

256,590

-

281,358

290,656

303,531

317,205

321,757

312,727

312,655

311,837

310,314

308,109

300,496

288,904

282,845

279,182

278,173

269,343

261,254

260,494

255,257

249,825

246,342

249,072

244,597

241,253

237,485,194

236,932

234,687

230,163

Assets held for resale

-

-

-

-

1,902

2,461

2,187

2,117

2,975

2,612

2,402

2,453

2,976

2,365

2,483

2,148

1,931

2,309

2,112

1,747

2,041

2,235

2,040

1,696

-

-

-

-

-

-

-

-

-

-

-

-

Assets held for resale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,758

2,012

1,782

1,203

1,765

1,641

1,482

1,373

1,738,166

1,472

1,409

1,055

Prepaid expenses and other assets

3,001

3,181

3,831

1,378

987

1,080

1,175

887

729

711

776

674

632

804

975

977

772

803

993

1,144

877

696

814

891

711

678

739

736

698

549

753

751

565,690

611

866

680

Property and equipment, net

522

551

616

656

642

674

755

843

970

1,082

1,179

1,184

1,580

1,623

1,569

1,290

1,380

1,368

940

872

906

931

897

869

765

749

756

741

757

764

772

758

780,530

828

820

771

Intangibles

65

79

93

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Goodwill

295

350

328

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest rate swap agreements

-

-

-

-

-

-

-

-

-

-

-

17

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest rate swap agreements

-

-

-

-

-

-

-

-

-

-

8

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest rate swap agreements

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

6

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest rate swap agreements

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

100

222

59

183

181

135

328

-

-

-

-

-

-

-

-

-

Deferred income taxes

6,597

6,825

6,918

7,124

5,438

5,445

5,966

6,289

6,456

9,550

9,125

8,505

7,232

6,766

6,715

6,615

6,656

6,400

6,537

6,361

6,445

6,603

7,009

6,716

7,048

7,211

7,568

8,426

7,836

8,089

8,978

9,123

9,100,452

9,142

9,127

8,954

Total assets

228,082

227,946

259,423

252,420

234,546

250,390

272,910

280,840

296,190

308,911

324,738

333,612

337,841

328,781

328,917

325,309

324,486

321,326

312,311

302,529

296,500

295,775

291,284

283,429

276,086

276,601

270,092

263,835

263,465

265,122

261,634

256,560

254,875,925

252,366

249,900

243,643

Liabilities and shareholders’ equity
Line of credit

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

211,000

-

-

-

199,000

-

-

-

127,900

-

-

-

-

-

-

-

-

-

-

-

-

Credit facility

119,450

119,500

149,000

145,000

120,000

134,200

151,000

165,750

178,000

188,000

204,000

213,000

214,340

209,000

209,000

-

213,000

211,161

203,000

-

130,000

132,000

131,400

-

127,000

131,000

126,021

125,500

130,500

110,000

109,000

112,000

116,000,000

117,000

116,000

118,000

Unamortized debt issuance costs

2,682

2,790

2,897

2,381

-

-

-

19

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net long-term debt

116,768

116,710

146,103

142,619

-

-

-

165,731

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Drafts payable

-

-

1,475

-

1,345

1,421

3,164

1,672

2,186

1,565

1,865

1,851

1,687

2,329

2,060

1,499

1,999

1,648

1,526

2,476

1,668

2,244

1,623

2,338

1,570

2,118

1,823

2,096

1,752

1,564

1,489

1,602

1,446,396

1,393

1,545

1,878

Interest rate swap agreements

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

303

224

-

23

-

88

-

4

56

-

504

645

683

-

-

-

-

-

-

Accounts payable and accrued expenses

5,322

5,403

6,335

4,916

3,610

4,305

5,505

5,000

4,994

5,377

4,979

5,932

7,391

5,448

6,551

5,839

5,638

7,432

8,099

7,841

6,352

7,190

7,581

8,924

6,677

6,808

6,665

7,405

5,519

7,020

6,264

6,612

5,848,795

6,768

6,845

7,209

Income taxes payable

-

-

-

-

-

-

-

-

-

-

406

-

605

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest rate swaps

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

209

-

-

-

-

-

Deferred revenues

-

-

-

-

-

-

3,253

-

3,313

3,484

3,707

3,969

4,003

3,876

3,910

3,917

3,799

3,671

3,429

3,143

2,903

2,715

2,583

2,328

2,018

1,870

1,604

1,363

1,107

1,129

1,101

1,082

1,074,246

1,070

1,072

1,107

Interest rate swap agreements

-

-

-

-

-

-

-

-

-

-

-

-

21

102

223

205

59

-

-

181

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Income taxes payable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,309

-

-

-

2,337

-

-

-

936

-

-

-

2,500

-

-

-

3,101

-

0

0

3,109

233

Total liabilities

122,090

122,113

153,913

147,535

124,955

139,926

162,922

172,403

188,493

198,426

214,957

224,752

228,047

220,755

223,053

222,460

224,497

224,216

218,616

212,641

140,947

144,150

144,213

141,492

137,271

141,854

138,614

136,870

139,525

120,398

121,165

121,296

124,369,437

126,233

128,574

128,429

Commitments and contingencies

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

0

-

-

-

0

-

-

-

0

-

-

-

0

-

-

-

0

-

-

-

0

Shareholders’ equity
Preferred stock, no par: 5,000 shares authorized; none issued

-

-

-

-

-

0

0

-

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

-

-

-

-

Common stock, no par: 50,000 shares authorized; 12,664 and 12,624 shares issued, respectively; and 7,926 and 7,910 shares outstanding, respectively

34,813

34,749

34,694

34,660

34,621

34,591

34,695

34,564

34,467

34,357

33,997

33,889

33,753

33,591

33,399

33,287

33,153

32,999

32,841

32,655

31,758

31,600

31,375

31,151

30,888

30,647

30,304

30,031

29,708

29,324

28,790

28,426

-

-

-

-

Treasury stock: 4,738 and 4,714 common shares, at cost, respectively

70,675

70,459

70,459

70,459

70,459

70,459

70,459

70,459

70,459

70,459

70,459

70,459

70,459

70,459

70,459

70,459

70,459

70,459

70,459

70,409

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Preferred stock, no par: 5,000,000 shares authorized; none issued

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

Common stock, no par: 50,000,000 shares authorized; 11,960,975 and 11,806,660 shares issued, respectively

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

27,839,270

27,631

27,147

26,337

Retained earnings

141,854

141,543

141,275

140,684

145,429

146,332

145,752

144,332

143,689

146,587

146,243

145,430

146,500

144,894

142,924

140,021

137,295

134,568

131,312

127,642

123,794

120,024

115,694

110,785

107,926

104,099

101,173

96,933

94,230

115,399

111,678

106,837

102,667,218

98,501

94,178

88,875

Total shareholders’ equity

105,992

105,833

105,510

104,885

109,591

110,464

109,988

108,437

107,697

110,485

109,781

108,860

109,794

108,026

105,864

102,849

99,989

97,109

93,694

89,888

155,552

151,624

147,070

141,937

138,814

134,747

131,477

126,965

-

-

-

135,263

-

-

-

-

Total shareholders' equity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

123,939

144,724

140,468

-

130,506,488

126,133

121,326

115,213

Total liabilities and shareholders’ equity

228,082

227,946

259,423

252,420

234,546

250,390

272,910

280,840

296,190

308,911

324,738

333,612

337,841

328,781

328,917

325,309

324,486

321,326

312,311

302,529

296,500

295,775

291,284

283,429

276,086

276,601

270,092

263,835

263,465

265,122

261,634

256,560

254,875,925

252,366

249,900

243,643

Variable Interest Entity
Restricted cash

8,305

9,250

26,978

2,047

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Finance receivables, net

173,084

159,950

164,162

187,584

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repossessed assets

1,339

1,490

1,407

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Total assets

182,728

170,690

192,547

189,631

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Credit facility

116,768

116,710

146,103

142,619

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Accounts payable and accrued expenses

586

640

779

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Total liabilities

117,354

117,350

146,882

142,619

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-