Investor Presentaiton
Consolidated Income Statements
REGIONAL
MANAGEMENT
in thousands
3Q 20
3Q 19
2019
2018
2017
2016
Revenue
Interest and fee income
$
81,306
$ 83,089
Insurance income, net
6,861
5,087
$ 321,169
20,817
$ 280,121 $ 249,034
$ 220,963
14,793
13,061
9,456
Other income
2,371
3,531
13,727
11,792
10,364
10,099
Total revenue
90,538
91,707
355,713
306,706
272,459
240,518
Expenses
Provision for credit losses
22,089
24,515
99,611
87,056
77,339
63,014
Personnel
26,207
23,791
94,000
84,068
75,992
68,979
Occupancy
6,851
6,367
24,618
22,519
21,530
20,059
Marketing
3,249
2,397
8,206
7,745
7,128
6,837
Other
7,447
7,612
30,160
25,952
26,305
22,757
Total general and administrative
43,754
40,167
156,984
140,284
130,955
118,632
Interest expense
9,300
10,348
40,125
33,464
23,908
19,924
Income before income taxes
15,395
16,677
58,993
45,902
40,257
38,948
Income taxes
4,157
4,105
14,261
10,557
10,294
14,917
Net income
$ 11,238
$ 12,572
$ 44,732
$ 35,345
$ 29,963
$ 24,031
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