Investor Presentaiton
Consolidated Balance Sheets
REGIONAL
MANAGEMENT
in thousands
Cash
Net finance receivables
Unearned insurance premiums
3Q 20
3Q 19
2019
2018
2017
2016
$
4,292
$
2,044 $
2,263 $
3,657 $
5,230 $
4,446
1,059,554
1,067,086
1,133,404
951,183
834,045
729,161
(30,024)
(24,900)
(28,591)
(18,940)
(16,582)
(11,386)
Allowance for credit losses*
(144,000)
(60,900)
(62,200)
(58,300)
(48,910)
(41,250)
Net finance receivables, less unearned insurance
premiums and allowance for credit losses
885,530
981,286
1,042,613
873,943
768,553
676,525
Restricted cash
58,219
43,659
54,164
46,484
16,787
8,297
Lease assets
27,855
25,688
26,438
Property and equipment
Intangible assets
Deferred tax asset
Other assets
Total assets
Long-term debt
Unamortized debt issuance costs
Net long-term debt
Accounts payable and accrued expenses
Lease liabilities
Deferred tax liability
15,054
14,512
15,301
13,926
12,294
11,693
8,677
9,574
9,438
10,010
10,607
6,448
22,960
1,445
619
33
14,972
7,964
$ 1,037,559
$ 1,086,172
7,704
$ 1,158,540
8,375
16,012
4,782
956,395
$
829,483 $
712,224
$ 700,139
$ 743,835 $
808,218 $
660,507 $ 571,496 $
491,678
(8,603)
(7,828)
(9,607)
(9,158)
(4,950)
(2,152)
691,536
736,007
798,611
651,349
566,546
489,526
43,576
25,764
28,676
25,138
18,565
15,223
29,983
27,714
28,470
747
Total liabilities
765,095
789,485
855,757
677,234
4,961
590,072
504,749
Common stock
Additional paid-in capital
1,382
1,351
1,350
1,332
1,321
1,300
105,866
101,682
102,678
98,778
94,384
92,432
Retained earnings
215,290
233,146
248,829
204,097
168,752
138,789
Treasury stock
Total stockholders' equity*
(50,074)
(39,492)
(50,074)
(25,046)
(25,046)
(25,046)
272,464
296,687
302,783
279,161
239,411
207,475
Total liabilities and stockholders' equity
$ 1,037,559
$ 1,086,172 $ 1,158,540
$ 956,395 $ 829,483 $ 712,224
* 3Q 20 Ending Reserve includes 60.1 related to CECL reserve accounting change in 1Q 2020 and $31.9 million of incremental COVID-19 reserves
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