Regional management corp. (RM)
Balance Sheet / Yearly
Mar'20Dec'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'11
Assets
Cash

14,668

2,263

2,044

694

2,331

3,657

517

2,799

3,247

5,230

5,191

3,678

3,505

4,446

3,959

2,827

7,436

7,654

4,922

4,793

2,060

4,012

3,831

3,562

6,265

4,121

7,929

2,931

857

3,298

4,360

2,314

2,429

4,849

Gross finance receivables

-

-

1,404,172

1,300,043

1,204,495

1,237,526

1,175,797

1,121,711

1,056,425

1,066,650

1,002,630

933,257

886,350

916,954

887,316

820,688

761,294

785,042

743,003

704,862

638,809

663,432

656,079

622,854

601,514

658,176

615,900

552,283

515,844

531,850

483,847

423,482

392,100

387,494

Unearned finance charges and insurance premiums

-

-

361,986

326,609

292,245

305,283

287,721

274,473

251,469

249,187

227,774

206,490

191,346

199,179

191,167

174,944

153,931

156,598

141,395

132,337

112,902

117,240

112,726

104,879

99,780

113,492

103,828

91,841

85,413

92,376

86,927

78,071

74,600

80,900

Net finance receivables

1,102,285

1,133,404

1,042,186

973,434

912,250

932,243

888,076

847,238

804,956

817,463

774,856

726,767

695,004

717,775

696,149

645,744

607,363

628,444

601,608

572,525

525,907

546,192

543,353

517,975

501,734

544,684

512,072

460,442

430,431

439,474

396,920

345,411

317,500

306,594

Unearned insurance premiums

28,183

28,591

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Allowance for credit losses

-

-

-

-

-

-

-

-

-

-

47,400

42,000

41,000

-

39,100

36,200

36,230

37,452

37,786

36,171

36,950

40,511

43,301

34,584

34,325

30,089

28,682

25,619

24,630

23,616

-

-

-

-

Allowance for credit losses

142,400

62,200

60,900

57,200

56,400

58,300

55,300

48,450

47,750

48,910

-

-

-

41,250

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

22,132

20,780

19,860

19,300

Net finance receivables, less unearned insurance premiums and allowance for credit losses

931,702

1,042,613

981,286

916,234

855,850

873,943

832,776

798,788

757,206

768,553

727,456

684,767

654,004

676,525

657,049

609,544

571,133

590,992

563,822

536,354

488,957

505,681

500,052

483,391

467,409

514,595

483,390

434,823

405,801

415,858

374,788

324,631

297,640

287,294

Restricted cash

54,649

54,164

43,659

41,803

38,917

46,484

29,327

26,356

19,064

16,787

13,849

10,630

8,889

8,297

7,906

8,237

10,818

10,506

-

-

-

1,901

-

-

-

-

-

-

-

-

-

-

-

-

Lease assets

26,729

26,438

25,688

25,575

24,831

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Property and equipment

15,155

15,301

14,512

14,132

14,181

13,926

12,540

12,072

12,214

12,294

12,657

11,653

11,878

11,693

10,701

9,073

9,888

9,049

9,377

8,646

8,211

8,905

8,553

7,929

7,370

7,100

7,088

6,991

5,585

5,111

5,116

5,025

4,638

4,446

Intangible assets

9,144

9,438

9,574

9,953

9,722

10,010

10,429

10,785

10,922

10,607

10,239

8,480

6,981

6,448

-

-

-

3,023

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Deferred tax asset

-

-

-

-

-

-

-

-

-

-

5,121

1,776

725

33

-

-

-

1,982

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Intangible assets, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

4,608

4,021

2,907

-

564

655

745

847

978

1,068

1,219

1,386

-

-

-

1,815

-

-

-

-

Goodwill

-

-

-

-

-

-

-

-

-

-

-

-

-

-

716

716

716

-

716

716

716

716

716

716

716

716

716

716

363

363

-

-

-

363

Repossessed assets at net realizable value

-

-

-

-

-

-

-

-

-

-

-

-

-

-

429

488

467

-

343

407

400

556

733

615

806

548

923

822

659

711

714

400

340

409

Deferred tax asset

20,025

619

1,445

437

-

-

-

-

-

-

-

-

-

-

-

-

2,453

-

265

2,305

1,372

1,870

2,915

-

-

-

-

-

-

-

-

-

0

15

Intangible assets, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,462

1,537

1,813

-

-

-

-

136

Other assets

6,818

7,704

7,964

10,488

7,635

8,375

7,690

17,420

12,156

16,012

5,337

6,549

4,450

4,782

5,961

7,897

3,889

3,167

8,957

7,105

5,281

5,782

5,042

6,714

4,826

5,422

11,545

12,124

6,770

7,361

9,314

8,695

11,510

6,638

Total assets

1,078,890

1,158,540

1,086,172

1,019,316

953,467

956,395

893,279

868,220

814,809

829,483

779,850

727,533

690,432

712,224

691,329

642,803

609,707

626,373

588,966

560,981

507,742

530,270

522,820

503,995

488,611

533,888

513,053

459,944

421,848

434,517

394,292

341,065

316,557

304,150

Liabilities:
Long-term debt

777,847

808,218

743,835

689,310

628,786

660,507

611,593

595,765

550,377

571,496

538,351

497,049

462,994

491,678

481,766

441,147

396,543

411,177

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Unamortized debt issuance costs

8,581

9,607

7,828

7,357

8,338

9,158

7,216

7,437

4,512

4,950

5,266

5,539

2,051

2,152

-

-

-

2,692

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Unamortized debt issuance costs

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,403

2,285

2,443

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net long-term debt

769,266

798,611

736,007

681,953

620,448

651,349

604,377

588,328

545,865

566,546

533,085

491,510

460,943

489,526

479,363

438,862

394,100

408,485

-

-

-

341,419

-

-

-

-

-

-

-

-

-

-

-

-

Senior revolving credit facility

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

379,617

359,491

312,538

-

339,323

324,570

310,315

362,750

347,736

302,279

273,037

292,379

258,308

212,731

209,607

206,009

Deferred tax liability, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-1,802

-

-

-

-

-5,947

-

-

-

-

Cash overdraft

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

6

6

1

Deferred tax liability, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

6,800

7,280

5,736

-

5,469

4,061

2,462

10,501

Accounts payable and accrued expenses

29,459

28,676

25,764

19,690

17,470

25,138

19,510

17,526

15,994

18,565

18,950

14,656

15,310

15,223

11,436

10,571

13,685

12,661

11,754

10,733

10,905

10,528

9,864

6,718

9,320

7,312

5,224

4,930

4,387

6,987

5,417

6,684

7,756

7,447

Lease liabilities

28,803

28,470

27,714

27,454

26,474

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Deferred tax liability

-

-

-

-

1,259

747

1,963

3,832

3,999

4,961

-

-

-

-

432

446

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Deferred tax liability, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

847

-

2,653

-

-

-

-

-

-

-

-

Other notes payable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

68

-

1,404

1,018

889

-

Mezzanine debt-related parties

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

25,814

25,814

Total liabilities

827,528

855,757

789,485

729,097

665,651

677,234

625,850

609,686

565,858

590,072

552,035

506,166

476,253

504,749

491,231

449,879

407,785

421,146

391,371

370,224

323,443

351,947

349,187

332,135

321,437

372,715

359,760

314,489

283,228

305,313

270,598

224,500

246,534

239,271

Temporary equity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

12,000

-

Commitments and contingencies (Note 10)

-

-

-

-

-

-

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

0

Stockholders' equity:
Temporary equity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

12,000

Preferred stock ($0.10 par value, 100,000 shares authorized, none issued or outstanding)

-

-

-

-

-

-

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 ($0.10 par value, 1,000,000 shares authorized, 13,659 shares issued and 11,175 shares outstanding at March 31, 2020 and 13,497 shares issued and 11,013 shares outstanding at December 31, 2019)

1,366

1,350

1,351

1,349

1,347

1,332

1,334

1,333

1,329

1,321

1,321

1,320

1,317

1,300

1,298

1,296

1,294

1,291

1,291

1,289

1,285

1,275

1,272

1,270

1,267

1,265

1,259

1,258

1,258

1,249

1,249

1,249

934

934

Additional paid-in capital

103,488

102,678

101,682

100,486

99,310

98,778

97,814

96,369

95,272

94,384

93,673

92,535

91,485

92,432

91,524

90,828

89,565

89,178

88,913

88,584

87,538

85,655

84,349

83,975

83,706

83,317

81,663

81,451

81,272

80,158

79,921

79,780

28,172

28,150

Retained earnings

196,582

248,829

233,146

220,574

212,205

204,097

193,327

185,878

177,396

168,752

157,867

152,558

146,423

138,789

132,322

125,846

119,934

114,758

107,391

100,884

95,476

91,393

88,012

86,615

82,201

76,591

70,371

62,746

56,090

47,797

42,524

35,536

28,917

23,795

Treasury stock (2,484 shares at March 31, 2020 and December 31, 2019)

50,074

50,074

39,492

32,190

25,046

25,046

25,046

25,046

25,046

25,046

25,046

25,046

25,046

25,046

25,046

25,046

8,871

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Total stockholders' equity

251,362

302,783

296,687

290,219

287,816

279,161

267,429

258,534

248,951

239,411

227,815

221,367

214,179

207,475

200,098

192,924

201,922

205,227

197,595

190,757

184,299

178,323

173,633

171,860

167,174

161,173

153,293

145,455

138,620

129,204

123,694

116,565

58,023

52,879

Total liabilities and stockholders' equity

1,078,890

1,158,540

1,086,172

1,019,316

953,467

956,395

893,279

868,220

814,809

829,483

779,850

727,533

690,432

712,224

691,329

642,803

609,707

626,373

588,966

560,981

507,742

530,270

522,820

503,995

488,611

533,888

513,053

459,944

421,848

434,517

394,292

341,065

316,557

304,150

Variable Interest Entity, Primary Beneficiary [Member]
Cash

178

152

152

167

168

168

-

-

-

70

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net finance receivables

487,492

474,340

404,265

356,679

340,396

342,481

-

-

-

137,239

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Allowance for credit losses

57,820

22,015

19,191

17,406

17,875

18,378

-

-

-

7,129

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Restricted cash

43,967

44,221

34,615

34,268

31,547

39,361

-

-

-

10,734

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other assets

34

68

85

129

110

75

-

-

-

119

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Total assets

473,851

496,766

419,926

373,837

354,346

363,707

-

-

-

141,033

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net long-term debt

459,503

450,297

374,977

337,776

321,662

324,879

-

-

-

116,658

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Accounts payable and accrued expenses

72

86

87

83

57

25

-

-

-

53

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Total liabilities

459,575

450,383

375,064

337,859

321,719

324,904

-

-

-

116,711

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-