Regional management corp. (RM)
Income statement / Quarterly
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'11Sep'11Jun'11Mar'11
Revenue
Interest and fee income

86,997

87,784

83,089

75,974

74,322

75,013

72,128

66,829

66,151

66,377

63,615

59,787

59,255

59,654

57,420

52,589

51,300

51,320

49,741

47,668

47,065

48,963

48,792

42,962

44,080

43,669

39,708

34,920

34,046

32,692

31,089

28,175

27,069

25,568

23,406

21,494

21,045

Insurance income, net

5,949

6,551

5,087

5,066

4,113

5,624

2,898

2,882

3,389

3,076

3,095

3,085

3,805

1,570

2,346

2,601

2,939

2,838

2,767

3,120

2,929

2,261

2,636

2,481

3,295

2,895

2,839

2,772

2,964

-

-

-

-

-

-

-

-

Insurance income, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,841

-

-

-

-

-

-

Insurance income, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,680

2,635

-

2,139

1,933

2,194

Other income

3,128

3,649

3,531

3,234

3,313

3,112

2,890

2,705

3,085

2,654

2,484

2,466

2,760

2,797

2,709

2,135

2,458

2,527

2,588

2,213

2,530

2,568

2,481

1,994

2,206

1,978

1,758

1,490

1,590

1,434

1,560

1,161

1,836

1,089

1,176

947

1,457

Total revenue

96,074

97,984

91,707

84,274

81,748

83,749

77,916

72,416

72,625

72,107

69,194

65,338

65,820

64,021

62,475

57,325

56,697

56,685

55,096

53,001

52,524

53,792

53,909

47,437

49,581

48,542

44,305

39,182

38,600

36,651

35,490

32,016

31,540

29,546

26,721

24,374

24,696

Expenses
Provision for credit losses

49,522

26,039

24,515

25,714

23,343

23,698

23,640

20,203

19,515

19,464

20,152

18,589

19,134

19,427

16,410

13,386

13,791

11,449

14,085

12,102

9,712

15,950

22,542

13,620

16,945

11,638

11,078

8,405

8,071

8,846

7,384

5,908

5,627

-

-

-

-

Provision for credit losses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

4,569

3,489

3,836

Personnel

29,511

25,305

23,791

22,511

22,393

22,074

21,376

19,390

21,228

19,903

19,534

18,387

18,168

16,998

18,180

16,674

17,127

17,283

15,993

16,211

19,760

17,099

14,042

13,068

11,174

10,082

9,681

9,882

10,223

8,661

8,561

8,273

7,997

6,298

6,565

6,276

6,540

Occupancy

5,771

5,876

6,367

6,210

6,165

5,933

5,490

5,478

5,618

5,346

5,480

5,419

5,285

5,251

5,175

4,770

4,863

4,523

4,458

4,227

4,105

3,406

4,221

3,713

3,420

3,368

3,167

2,697

2,516

-

-

-

-

-

-

-

-

Occupancy

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,301

2,086

1,894

-

1,710

1,590

1,471

Marketing

1,686

1,897

2,397

2,261

1,651

1,902

2,132

2,258

1,453

1,841

2,303

1,779

1,205

1,474

1,786

2,062

1,515

1,403

1,134

2,009

2,471

1,842

1,756

1,750

982

1,145

983

1,347

505

-

632

-

-

-

-

-

-

Advertising

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

632

593

-

406

646

647

Other

9,275

7,813

7,612

6,761

7,974

6,707

6,863

6,089

6,293

6,929

6,523

6,057

6,796

5,103

5,312

6,042

6,300

5,341

4,597

5,796

6,287

6,049

5,265

4,667

4,322

4,885

3,703

3,413

3,442

3,258

2,810

2,268

2,308

1,774

1,587

1,658

1,554

Total general and administrative expenses

46,243

40,891

40,167

37,743

38,183

36,616

35,861

33,215

34,592

34,019

33,840

31,642

31,454

28,826

30,453

29,548

29,805

28,550

26,182

28,243

32,623

28,396

25,284

23,198

19,898

-

-

-

-

-

-

-

-

-

-

-

-

Consulting and advisory fees

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

1,451

180

177

308

310

Senior revolving credit facility and other debt

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3,024

2,705

2,341

2,510

2,279

2,313

1,951

1,763

Mezzanine debt-related parties

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

1,030

1,018

1,016

1,007

996

Interest expense

10,159

10,285

10,348

9,771

9,721

9,643

8,729

7,915

7,177

6,816

6,658

5,221

5,213

5,287

5,116

4,811

4,710

4,350

4,335

3,932

3,604

3,780

3,848

3,556

3,763

3,909

3,913

3,241

3,081

3,024

2,705

2,341

3,540

3,297

3,329

2,958

2,759

Total expenses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

32,525

28,985

27,838

27,073

24,393

21,508

23,410

19,622

18,343

16,925

17,117

Income (loss) before income taxes

-9,850

20,769

16,677

11,046

10,501

13,792

9,686

11,083

11,341

11,808

8,544

9,886

10,019

10,481

10,496

9,580

8,391

12,336

10,494

8,724

6,585

-

2,235

-

8,975

13,515

11,780

10,197

10,762

9,578

11,097

10,508

8,130

9,924

8,378

7,449

7,579

Income before income taxes

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

7,063

-

-

-

-

-

-

-

-

-

-

-

-

-

Income taxes

-3,525

5,086

4,105

2,677

2,393

3,022

2,237

2,601

2,697

923

3,235

3,751

2,385

4,014

4,020

3,668

3,215

4,969

3,987

3,316

2,502

2,285

838

2,649

3,365

5,130

4,539

3,793

3,998

3,556

4,109

3,888

3,008

3,724

3,193

2,729

2,644

Net income (loss)

-6,325

15,683

12,572

8,369

8,108

10,770

7,449

8,482

8,644

10,885

5,309

6,135

7,634

6,467

6,476

5,912

5,176

7,367

6,507

5,408

4,083

3,381

1,397

4,414

5,610

8,385

7,241

6,404

6,764

6,022

6,988

6,620

5,122

6,200

5,185

4,720

4,935

Net income (loss) per common share:
Basic

-0.58

1.41

1.11

0.71

0.69

0.92

0.64

0.73

0.74

0.94

0.46

0.53

0.66

0.55

0.57

0.50

0.41

0.57

0.51

0.42

0.32

0.27

0.11

0.35

0.44

0.66

0.58

0.51

0.54

0.48

0.56

0.53

0.55

0.65

0.56

0.51

0.53

Diluted

-0.56

1.35

1.08

0.70

0.67

0.90

0.61

0.70

0.72

0.92

0.45

0.52

0.65

0.54

0.56

0.49

0.40

0.57

0.50

0.41

0.31

0.26

0.11

0.34

0.43

0.64

0.56

0.50

0.53

0.47

0.55

0.52

0.53

0.64

0.54

0.50

0.51

Weighted-average shares outstanding:
Basic

10,897

10,884

11,302

11,706

11,712

11,672

11,672

11,658

11,618

11,593

11,563

11,554

11,494

11,400

11,384

11,756

12,756

12,832

12,881

12,845

12,838

12,744

12,714

12,691

12,655

12,614

12,585

12,584

12,502

12,504

12,486

12,452

9,336

-9,318,053

9,336

9,336

9,336,727

Diluted

11,253

11,317

11,677

12,022

12,076

12,011

12,133

12,138

12,030

11,875

11,812

11,730

11,715

11,753

11,664

11,974

12,949

13,046

13,111

13,078

13,061

12,954

12,934

12,916

13,000

12,986

12,927

12,881

12,780

12,796

12,774

12,735

9,616

-9,628,694

9,548

9,527

9,648,103