Nicholas financial inc (NICK)
Income statement / Quarterly
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'11Dec'10Sep'10Jun'10
Interest and fee income on finance receivables

14,973

15,585

16,641

16,397

16,740

19,404

18,759

19,855

20,526

21,338

22,198

-

22,044

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest and fee income on finance receivables

-

-

-

-

-

-

-

-

-

-

-

-

-

22,647

22,915

-

22,757

22,687

22,025

21,933

21,800

21,723

21,332

20,443

20,761

20,948

20,475

20,401

20,594

20,696

20,417

29,520

17,126

17,199

16,623

-15,941,883

15,984,880

15,721

14,942

Sales

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

10

9

9

8

13

11

10

-10,435

10,470

9

9

Total revenue

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

20,604

20,705

20,427

29,529

17,139

17,210

16,634

-15,952,318

15,995,350

15,731

14,952

Expenses:
Cost of sales

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3

1

3

2

4

2

2

-2,850

2,857

3

2

Marketing

402

427

411

690

652

737

367

394

351

353

391

340

369

345

386

357

384

364

392

365

333

459

402

381

350

363

396

360

362

355

374

323

326

304

298

-328,976

329,572

310

318

Salaries and employee benefits

4,629

4,718

4,821

4,816

4,575

4,341

5,266

5,033

4,826

4,847

5,162

5,074

5,041

5,729

5,593

5,690

5,539

5,499

5,585

5,393

5,100

5,120

5,221

5,091

4,859

4,831

4,851

4,786

4,451

4,563

4,524

4,481

4,342

4,366

4,391

-4,012,510

4,021,027

3,981

3,933

Professional Fees

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

306

377

448

-

314

192

617

1,646

1,060

482

468

-

187

-

-

-

-

-

-

-

-

-

-

Administrative

2,825

3,685

3,638

3,337

2,530

2,792

3,065

2,626

2,845

2,858

2,995

3,428

2,932

3,009

2,811

3,849

2,324

2,501

2,351

3,953

2,422

2,473

2,376

2,426

2,225

2,255

2,132

1,745

2,046

2,267

2,098

1,318

1,951

2,032

1,929

-1,821,326

1,825,296

1,880

1,927

Dividend tax

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

69

73

73

1,286

72

60

-

59

-

-

-

-

-

-

Provision for credit losses

4,597

4,000

4,385

11,165

7,870

8,374

5,426

8,563

8,989

10,146

9,752

13,211

8,796

8,144

7,026

7,512

7,599

6,178

4,989

5,188

5,796

5,154

4,231

4,181

4,183

3,973

2,641

3,542

3,484

3,261

3,103

11,655

454

178

79

-1,188,867

1,201,172

1,711

1,595

Amortization of intangibles

14

14

14

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Depreciation

80

83

87

90

91

96

103

113

116

119

121

79

142

140

131

124

120

119

95

89

92

93

90

87

78

76

75

71

69

70

72

71

70

72

72

-65,490

65,624

66

67

Interest expense

1,886

2,298

2,488

2,275

2,303

2,386

2,540

2,654

2,585

2,443

2,455

2,477

2,258

2,243

2,244

2,257

2,311

2,273

2,166

1,578

1,457

1,485

1,448

1,389

1,441

1,442

1,404

1,403

1,275

1,250

1,192

1,189

1,236

1,236

1,228

-1,380,339

1,382,950

1,449

1,539

Change in fair value of interest rate swap agreements

-

-

-

-

-

-

-

-

-

-8

-9

38

81

121

-18

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Total expenses

14,433

15,225

15,844

22,374

18,021

18,726

16,767

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Change in fair value of interest rate swap agreements

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

251

-79

-

-258

-144

251

-212

6

98

-249

833

140

37

-474

-209

-

-

-

-

-

-

-

-

Change in fair value of interest rate swap agreements

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

44

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Change in fair value of interest rate swaps

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-95,756

-137

-244

Total operating expenses

-

-

-

-

-

-

-

-

19,712

20,774

20,885

24,571

19,457

19,489

18,209

18,810

18,332

17,390

16,070

15,702

15,662

14,728

14,601

15,054

14,101

13,745

11,210

12,538

13,129

12,316

11,638

19,722

8,446

8,194

8,003

-8,704,719

8,732,742

9,265

9,139

Income (loss) before income taxes

540

360

797

-5,977

-1,281

678

1,992

472

814

564

1,313

-1,711

2,587

3,158

4,706

4,428

4,425

5,297

5,955

6,231

6,138

6,994

6,731

5,388

6,659

7,203

9,265

7,833

7,474

8,388

8,789

9,807

8,693

9,016

8,630

-

-

-

-

Operating income before income taxes

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

7,262,608

6,466

5,812

Income tax expense (benefit)

229

92

206

-1,232

-376

96

572

-171

3,712

220

500

-641

981

1,188

1,803

1,702

1,698

2,041

2,285

2,383

2,368

2,665

1,822

2,529

2,833

2,886

3,564

3,046

2,878

3,238

3,381

3,771

3,330

3,496

3,327

-2,781,989

2,787,788

2,484

2,236

Net income (loss)

311

268

591

-4,745

-905

582

1,420

643

-2,898

344

813

-1,070

1,606

1,970

2,903

2,726

2,727

3,256

3,670

3,847

3,769

4,329

4,909

2,859

3,826

4,316

5,700

4,787

4,596

5,150

5,407

6,036

5,362

5,520

5,302

-

-

-

-

Earnings (loss) per share:
Net income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

4,474,820

3,982

-

Basic (in dollars per share)

0.04

0.03

0.07

-0.60

-0.12

0.07

0.18

0.09

-0.37

0.04

0.10

-0.13

0.21

0.25

0.37

0.33

0.36

0.43

0.48

0.33

0.31

0.36

0.40

0.23

0.32

0.36

0.47

0.40

0.38

0.43

0.45

0.50

0.46

0.47

0.46

0.40

0.39

0.34

0.31

Diluted (in dollars per share)

0.04

0.03

0.07

-0.60

-0.12

0.07

0.18

0.09

-0.37

0.04

0.10

-0.14

0.21

0.25

0.37

0.35

0.35

0.42

0.47

0.33

0.30

0.35

0.40

0.24

0.31

0.35

0.46

0.39

0.38

0.42

0.44

0.50

0.45

0.46

0.44

0.39

0.38

0.34

0.30

Dividends declared per share (in dollars per share)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0.00

0.00

0.12

0.12

0.12

2.12

0.12

0.10

-

0.10

0.10

-

-

0.00

0.00

-