Regional Management Corp. RM Income Statement

Regional management corp. (RM)

Income statement / TTM

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	Dec'11	Sep'11	Jun'11	Mar'11
Revenue
Interest and fee income
333,844	321,169	308,398	297,437	288,292	280,121	271,485	262,972	255,930	249,034	242,311	236,116	228,918	220,963	212,629	204,950	200,029	195,794	193,437	192,488	187,782	184,797	179,503	170,419	162,377	152,343	141,366	132,747	126,002	119,025	111,901	104,218	97,537	91,513	0	0	0
Insurance income, net
22,653	20,817	19,890	17,701	15,517	14,793	12,245	12,442	12,645	13,061	11,555	10,806	10,322	9,456	10,724	11,145	11,664	11,654	11,077	10,946	10,307	10,673	11,307	11,510	11,801	11,470	0	0	0	-	-	-	-	-	-	-	-
Insurance income, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-
Insurance income, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	0	0	0
Other income
13,542	13,727	13,190	12,549	12,020	11,792	11,334	10,928	10,689	10,364	10,507	10,732	10,401	10,099	9,829	9,708	9,786	9,858	9,899	9,792	9,573	9,249	8,659	7,936	7,432	6,816	6,272	6,074	5,745	5,991	5,646	5,262	5,048	4,669	0	0	0
Total revenue
370,039	355,713	341,478	327,687	315,829	306,706	295,064	286,342	279,264	272,459	264,373	257,654	249,641	240,518	233,182	225,803	221,479	217,306	214,413	213,226	207,662	204,719	199,469	189,865	181,610	170,629	158,738	149,923	142,757	135,697	128,592	119,823	112,181	105,337	0	0	0
Expenses
Provision for credit losses
125,790	99,611	97,270	96,395	90,884	87,056	82,822	79,334	77,720	77,339	77,302	73,560	68,357	63,014	55,036	52,711	51,427	47,348	51,849	60,306	61,824	69,057	64,745	53,281	48,066	39,192	36,400	32,706	30,209	27,765	0	0	0	-	-	-	-
Provision for credit losses
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0
Personnel
101,118	94,000	90,769	88,354	85,233	84,068	81,897	80,055	79,052	75,992	73,087	71,733	70,020	68,979	69,264	67,077	66,614	69,247	69,063	67,112	63,969	55,383	48,366	44,005	40,819	39,868	38,447	37,327	35,718	33,492	31,129	29,133	27,136	25,679	0	0	0
Occupancy
24,224	24,618	24,675	23,798	23,066	22,519	21,932	21,922	21,863	21,530	21,435	21,130	20,481	20,059	19,331	18,614	18,071	17,313	16,196	15,959	15,445	14,760	14,722	13,668	12,652	11,748	0	0	0	-	-	-	-	-	-	-	-
Occupancy
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0
Marketing
8,241	8,206	8,211	7,946	7,943	7,745	7,684	7,855	7,376	7,128	6,761	6,244	6,527	6,837	6,766	6,114	6,061	7,017	7,456	8,078	7,819	6,330	5,633	4,860	4,457	3,980	3,467	0	0	-	0	-	-	-	-	-	-
Advertising
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	0	0	0
Other
31,461	30,160	29,054	28,305	27,633	25,952	26,174	25,834	25,802	26,305	24,479	23,268	23,253	22,757	22,995	22,280	22,034	22,021	22,729	23,397	22,268	20,303	19,139	17,577	16,323	15,443	13,816	12,923	11,778	10,644	9,160	7,937	7,327	6,573	0	0	0
Total general and administrative expenses
165,044	156,984	152,709	148,403	143,875	140,284	137,687	135,666	134,093	130,955	125,762	122,375	120,281	118,632	118,356	114,085	112,780	115,598	115,444	114,546	109,501	96,776	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Consulting and advisory fees
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,631	1,808	2,116	975	0	0	0
Senior revolving credit facility and other debt
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	10,580	9,835	9,443	9,053	8,306	0	0	0
Mezzanine debt-related parties
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,030	2,048	3,064	4,071	4,037	0	0	0
Interest expense
40,563	40,125	39,483	37,864	36,008	33,464	30,637	28,566	25,872	23,908	22,379	20,837	20,427	19,924	18,987	18,206	17,327	16,221	15,651	15,164	14,788	14,947	15,076	15,141	14,826	14,144	13,259	12,051	11,151	11,610	11,883	12,507	13,124	12,343	0	0	0
Total expenses
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	116,421	108,289	100,812	96,384	88,933	82,883	78,300	72,007	0	0	0
Income (loss) before income taxes
38,642	58,993	52,016	45,025	45,062	45,902	43,918	42,776	41,579	40,257	38,930	40,882	40,576	38,948	40,803	40,801	39,945	38,139	28,038	0	0	-	0	-	44,467	46,254	42,317	41,634	41,945	39,313	39,659	36,940	33,881	33,330	0	0	0
Income before income taxes
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-
Income taxes
8,343	14,261	12,197	10,329	10,253	10,557	8,458	9,456	10,606	10,294	13,385	14,170	14,087	14,917	15,872	15,839	15,487	14,774	12,090	8,941	8,274	9,137	11,982	15,683	16,827	17,460	15,886	15,456	15,551	14,561	14,729	13,813	12,654	12,290	0	0	0
Net income (loss)
30,299	44,732	39,819	34,696	34,809	35,345	35,460	33,320	30,973	29,963	25,545	26,712	26,489	24,031	24,931	24,962	24,458	23,365	19,379	14,269	13,275	14,802	19,806	25,650	27,640	28,794	26,431	26,178	26,394	24,752	24,930	23,127	21,227	21,040	0	0	0
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