| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Finance charges | ||||||||||||||||||||||||||||||||
- | - | 1,062,000 | 998,000 | - | 954,000 | 930,000 | 902,000 | 859,000 | 854,000 | 805,000 | 768,000 | 756,000 | 765,000 | 763,000 | 723,000 | 785,000 | 643,000 | 422,000 | 406,000 | 399,000 | 397,000 | 436,000 | 530,000 | 548,000 | - | 583,926 | - | - | - | - | - | - |
Finance receivables held for sale | ||||||||||||||||||||||||||||||||
- | - | 3,000 | 2,000 | - | 4,000 | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | 4,000 | 3,000 | 3,000 | 7,000 | 18,000 | 46,000 | 47,000 | 5,000 | 4,000 | 4,000 | 7,000 | 48,000 | 3,000 | 4,000 | - | - | - | - | - | - | - | - |
Interest income | ||||||||||||||||||||||||||||||||
1,106,000 | 1,106,000 | 1,065,000 | 1,000,000 | 956,000 | 958,000 | 933,000 | 905,000 | 862,000 | 857,000 | 808,000 | 772,000 | 759,000 | 768,000 | 770,000 | 741,000 | 831,000 | 690,000 | 427,000 | 410,000 | 403,000 | 404,000 | 484,000 | 533,000 | 552,000 | 563,439 | 583,926 | 580,597 | 413,038 | 417,377 | 423,160 | 429,875 | 444,401 |
Interest expense | ||||||||||||||||||||||||||||||||
255,000 | 252,000 | 244,000 | 238,000 | 236,000 | 228,000 | 227,000 | 220,000 | 200,000 | 204,000 | 207,000 | 203,000 | 202,000 | 201,000 | 215,000 | 214,000 | 226,000 | 215,000 | 171,000 | 171,000 | 158,000 | 157,000 | 180,000 | 192,000 | 205,000 | 219,132 | 229,157 | 240,418 | 231,293 | 240,752 | 268,987 | 280,766 | 284,700 |
Net interest income | ||||||||||||||||||||||||||||||||
851,000 | 854,000 | 821,000 | 762,000 | 720,000 | 730,000 | 706,000 | 685,000 | 662,000 | 653,000 | 601,000 | 569,000 | 557,000 | 567,000 | 555,000 | 527,000 | 605,000 | 475,000 | 256,000 | 239,000 | 245,000 | 247,000 | 304,000 | 341,000 | 347,000 | 344,307 | 354,769 | 340,179 | 181,745 | 176,625 | 154,173 | 149,109 | 159,701 |
Provision for finance receivable losses | ||||||||||||||||||||||||||||||||
531,000 | 293,000 | 282,000 | 268,000 | 286,000 | 278,000 | 256,000 | 260,000 | 254,000 | 231,000 | 243,000 | 236,000 | 245,000 | 258,000 | 263,000 | 214,000 | 197,000 | 483,000 | 79,000 | 74,000 | 80,000 | 44,000 | 103,000 | 115,000 | 161,000 | 95,939 | 162,264 | 82,311 | 94,486 | 109,614 | 91,018 | 69,726 | 71,220 |
Net interest income after provision for finance receivable losses | ||||||||||||||||||||||||||||||||
320,000 | 561,000 | 539,000 | 494,000 | 434,000 | 452,000 | 450,000 | 425,000 | 408,000 | 422,000 | 358,000 | 333,000 | 312,000 | 309,000 | 292,000 | 313,000 | 408,000 | -8,000 | 177,000 | 165,000 | 165,000 | 203,000 | 201,000 | 226,000 | 186,000 | 248,368 | 192,505 | 257,868 | 87,259 | 67,011 | 63,155 | 79,383 | 88,481 |
Other revenues: | ||||||||||||||||||||||||||||||||
Insurance | ||||||||||||||||||||||||||||||||
117,000 | 119,000 | 117,000 | 114,000 | 110,000 | 111,000 | 106,000 | 107,000 | 105,000 | 106,000 | 107,000 | 104,000 | 103,000 | 107,000 | 114,000 | 114,000 | 114,000 | 95,000 | 40,000 | 40,000 | 36,000 | 41,000 | 44,000 | 43,000 | 38,000 | 40,856 | 38,277 | 35,967 | 32,900 | 33,381 | 31,719 | 31,774 | 29,549 |
Investment | ||||||||||||||||||||||||||||||||
9,000 | 24,000 | 21,000 | 24,000 | 26,000 | 16,000 | 18,000 | 19,000 | 13,000 | 15,000 | 19,000 | 20,000 | 19,000 | 20,000 | 22,000 | 24,000 | 20,000 | 8,000 | 11,000 | 16,000 | 17,000 | 7,000 | 12,000 | 10,000 | 10,000 | 7,746 | 6,532 | 10,598 | 10,124 | 6,818 | 8,384 | 8,495 | 12,199 |
Net loss on repurchase and repayment of debt | ||||||||||||||||||||||||||||||||
0 | 0 | -2,000 | -12,000 | -21,000 | -1,000 | 0 | -7,000 | -1,000 | - | -1,000 | -27,000 | - | - | 0 | -13,000 | - | - | 0 | 0 | - | -59,000 | 0 | 0 | -7,000 | - | -33,572 | -237 | - | -5,889 | -9,044 | -1,172 | 563 |
Net gain on sale of SpringCastle interests | ||||||||||||||||||||||||||||||||
- | - | - | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | 167,000 | 0 | 0 | 0 | 0 | - | - | - | - | - | - | - | - | - | - | - | - |
Net gain (loss) on fair value adjustments on debt | ||||||||||||||||||||||||||||||||
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1,000 | 1,000 | -17,000 | -1,097 | 6,586 | 752 | -241 | -159 | -1,609 | -1,700 | 476 |
Net gain on sale of real estate loans | ||||||||||||||||||||||||||||||||
0 | 0 | 0 | 0 | 3,000 | 18,000 | 0 | 0 | 0 | - | - | - | - | - | -4,000 | 22,000 | - | - | 0 | 0 | - | -83,000 | 641,000 | 35,000 | 55,000 | - | 0 | - | - | - | - | - | - |
Noninterest Income, Other | ||||||||||||||||||||||||||||||||
15,000 | 19,000 | 20,000 | 30,000 | 30,000 | 9,000 | 20,000 | 21,000 | 20,000 | 26,000 | 27,000 | 24,000 | 19,000 | 24,000 | 26,000 | 18,000 | 2,000 | 5,000 | -4,000 | -1,000 | -1,000 | -34,000 | -12,000 | 3,000 | 2,000 | -986 | 1,603 | 4,510 | 873 | -13,628 | -2,709 | -8,178 | -21,927 |
Total other revenues | ||||||||||||||||||||||||||||||||
141,000 | 162,000 | 156,000 | 156,000 | 148,000 | 153,000 | 144,000 | 140,000 | 137,000 | 146,000 | 152,000 | 121,000 | 141,000 | 147,000 | 158,000 | 165,000 | 303,000 | 108,000 | 47,000 | 55,000 | 52,000 | -113,000 | 686,000 | 92,000 | 81,000 | 38,328 | 19,426 | 51,590 | 43,656 | 20,523 | 26,741 | 29,219 | 20,860 |
Other expenses: | ||||||||||||||||||||||||||||||||
Salaries and benefits | ||||||||||||||||||||||||||||||||
199,000 | 200,000 | 205,000 | 204,000 | 199,000 | 207,000 | 199,000 | 312,000 | 199,000 | 215,000 | 185,000 | 191,000 | 186,000 | 191,000 | 191,000 | 192,000 | 214,000 | 180,000 | 100,000 | 112,000 | 93,000 | 81,000 | 95,000 | 92,000 | 92,000 | 92,158 | 214,552 | 78,862 | 78,428 | 79,050 | 78,122 | 74,748 | 88,244 |
Acquisition-related transaction and integration expenses | ||||||||||||||||||||||||||||||||
- | - | - | - | - | - | - | - | - | - | 22,000 | 14,000 | 23,000 | 33,000 | 21,000 | 21,000 | 33,000 | 33,000 | 14,000 | 12,000 | 3,000 | - | - | - | - | - | - | - | - | - | - | - | - |
Other operating expenses | ||||||||||||||||||||||||||||||||
151,000 | 137,000 | 146,000 | 140,000 | 136,000 | 136,000 | 148,000 | 159,000 | 133,000 | 180,000 | 134,000 | 137,000 | 142,000 | 164,000 | 168,000 | 177,000 | 167,000 | 146,000 | 73,000 | 63,000 | 62,000 | 73,000 | 75,000 | 60,000 | 58,000 | 58,543 | 72,478 | 70,369 | 51,610 | 88,069 | 65,491 | 76,917 | 65,918 |
Restructuring expenses | ||||||||||||||||||||||||||||||||
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 1,917 | 21,586 |
Insurance policy benefits and claims | ||||||||||||||||||||||||||||||||
68,000 | 43,000 | 47,000 | 50,000 | 45,000 | 48,000 | 48,000 | 51,000 | 45,000 | 45,000 | 48,000 | 46,000 | 45,000 | 39,000 | 37,000 | 46,000 | 45,000 | 43,000 | 17,000 | 20,000 | 16,000 | 18,000 | 20,000 | 19,000 | 18,000 | 17,350 | 16,550 | 16,346 | 14,754 | 18,377 | 15,152 | 14,616 | 12,534 |
Total other expenses | ||||||||||||||||||||||||||||||||
418,000 | 380,000 | 398,000 | 394,000 | 380,000 | 391,000 | 395,000 | 522,000 | 377,000 | 381,000 | 389,000 | 388,000 | 396,000 | 427,000 | 417,000 | 436,000 | 459,000 | 402,000 | 204,000 | 207,000 | 174,000 | 172,000 | 190,000 | 171,000 | 168,000 | 168,051 | 303,580 | 165,577 | 144,792 | 185,496 | 158,765 | 168,198 | 188,282 |
Income before income taxes | ||||||||||||||||||||||||||||||||
43,000 | 343,000 | 297,000 | 256,000 | 202,000 | 214,000 | 199,000 | 43,000 | 168,000 | 187,000 | 121,000 | 66,000 | 57,000 | 29,000 | 33,000 | 42,000 | 252,000 | -302,000 | 20,000 | 13,000 | 43,000 | -82,000 | 697,000 | 147,000 | 99,000 | 118,645 | -91,649 | 143,881 | -13,877 | -97,962 | -68,869 | -59,596 | -78,941 |
Income tax expense (benefit) | ||||||||||||||||||||||||||||||||
11,000 | 82,000 | 49,000 | 62,000 | 50,000 | 46,000 | 51,000 | 36,000 | 44,000 | 148,000 | 52,000 | 24,000 | 24,000 | 2,000 | 8,000 | 16,000 | 87,000 | -134,000 | 1,000 | -8,000 | 8,000 | -38,000 | 235,000 | 44,000 | 31,000 | 1,998 | -30,698 | 32,963 | -4,263 | -17,168 | -23,659 | -20,492 | -26,352 |
Net income | ||||||||||||||||||||||||||||||||
- | - | - | - | - | - | - | - | - | - | - | 42,000 | 33,000 | 27,000 | 25,000 | 26,000 | 165,000 | -168,000 | 19,000 | 21,000 | 35,000 | -44,000 | 462,000 | 103,000 | 68,000 | 116,647 | -60,951 | 110,918 | -9,614 | -80,794 | -45,210 | -39,104 | -52,589 |
Net income attributable to non-controlling interests | ||||||||||||||||||||||||||||||||
- | - | - | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | 28,000 | 29,000 | 32,000 | 33,000 | 33,000 | 44,000 | 35,000 | 31,000 | 16,000 | 62,617 | 31,643 | 54,740 | 0 | - | - | - | - |
Net income | ||||||||||||||||||||||||||||||||
32,000 | 261,000 | 248,000 | 194,000 | 152,000 | 168,000 | 148,000 | 7,000 | 124,000 | - | 69,000 | - | - | 27,000 | 25,000 | 26,000 | 137,000 | -197,000 | -13,000 | -12,000 | 2,000 | -88,000 | 427,000 | 72,000 | 52,000 | 54,030 | -92,594 | 56,178 | -9,614 | - | - | - | - |
Weighted average number of shares outstanding: | ||||||||||||||||||||||||||||||||
Basic (in shares) | ||||||||||||||||||||||||||||||||
135,909 | 136,101 | 136,095 | 136,083 | 136,001 | 135,780 | 135,756 | 135,678 | 135,596 | 135,275 | 135,253 | 135,249 | 135,218 | 134,720 | 134,730 | 134,728 | 134,694 | 134,751 | 134,452 | 127,411 | 115,027 | 114,799 | 114,788 | 114,788 | 114,788 | 111,668 | 100,000 | 100,000 | 100,000 | - | - | - | - |
Diluted (in shares) | ||||||||||||||||||||||||||||||||
136,138 | 136,491 | 136,376 | 136,248 | 136,191 | 136,163 | 136,107 | 135,969 | 135,897 | 135,918 | 135,711 | 135,513 | 135,573 | 135,695 | 134,987 | 134,952 | 134,907 | 134,346 | 134,452 | 127,411 | 115,432 | 115,423 | 115,316 | 115,176 | 115,144 | 111,817 | 100,000 | 100,000 | 100,000 | - | - | - | - |
Basic and diluted (in shares) | ||||||||||||||||||||||||||||||||
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 100,000 | 100,000 | 100,000 | 100,000 |
Earnings per share: | ||||||||||||||||||||||||||||||||
Basic (in dollars per share) | ||||||||||||||||||||||||||||||||
0.24 | 1.91 | 1.82 | 1.43 | 1.12 | 1.24 | 1.09 | 0.05 | 0.91 | 0.27 | 0.52 | 0.31 | 0.25 | 0.20 | 0.19 | 0.19 | 1.02 | -1.54 | -0.10 | -0.09 | 0.01 | -0.78 | 3.72 | 0.63 | 0.46 | 0.54 | -0.93 | 0.56 | -0.10 | - | - | - | - |
Diluted (in dollars per share) | ||||||||||||||||||||||||||||||||
0.24 | 1.92 | 1.82 | 1.42 | 1.11 | 1.24 | 1.09 | 0.05 | 0.91 | 0.29 | 0.51 | 0.30 | 0.25 | 0.20 | 0.19 | 0.19 | 1.01 | -1.54 | -0.10 | -0.09 | 0.01 | -0.76 | 3.70 | 0.63 | 0.45 | 0.54 | -0.93 | 0.56 | -0.10 | - | - | - | - |
Basic and diluted (in dollars per share) | ||||||||||||||||||||||||||||||||
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -0.81 | -0.45 | -0.39 | -0.53 |
SFC | ||||||||||||||||||||||||||||||||
Interest income | ||||||||||||||||||||||||||||||||
1,106,000 | - | - | - | 956,000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Interest expense | ||||||||||||||||||||||||||||||||
255,000 | - | - | - | 236,000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Net interest income | ||||||||||||||||||||||||||||||||
851,000 | - | - | - | 720,000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Provision for finance receivable losses | ||||||||||||||||||||||||||||||||
531,000 | - | - | - | 286,000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Net interest income after provision for finance receivable losses | ||||||||||||||||||||||||||||||||
320,000 | - | - | - | 434,000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Insurance | ||||||||||||||||||||||||||||||||
117,000 | - | - | - | 110,000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Investment | ||||||||||||||||||||||||||||||||
9,000 | - | - | - | 26,000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Net loss on repurchase and repayment of debt | ||||||||||||||||||||||||||||||||
0 | - | - | - | -21,000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Net gain on sale of real estate loans | ||||||||||||||||||||||||||||||||
0 | - | - | - | 3,000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Noninterest Income, Other | ||||||||||||||||||||||||||||||||
15,000 | - | - | - | 34,000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total other revenues | ||||||||||||||||||||||||||||||||
141,000 | - | - | - | 152,000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Salaries and benefits | ||||||||||||||||||||||||||||||||
199,000 | - | - | - | 199,000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Other operating expenses | ||||||||||||||||||||||||||||||||
151,000 | - | - | - | 137,000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Insurance policy benefits and claims | ||||||||||||||||||||||||||||||||
68,000 | - | - | - | 45,000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total other expenses | ||||||||||||||||||||||||||||||||
418,000 | - | - | - | 381,000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Income before income taxes | ||||||||||||||||||||||||||||||||
43,000 | - | - | - | 205,000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Income tax expense (benefit) | ||||||||||||||||||||||||||||||||
11,000 | - | - | - | 49,000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Net income | ||||||||||||||||||||||||||||||||
32,000 | - | - | - | 156,000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |