Regional Management: Regional® Management Company Overview

The following excerpt is from the company's SEC filing.
Company Highlights REGIONAL® MANAGEMENT REGIONAL® MANAGEMENT Clear Path Forward for Sustainable Long-Term Growth Abundant Market
Opportunity Deep Management Experience Modern Infrastructure Advanced Credit Tools Successful Differentiated Growth Strategy 5
Company Overview REGIONAL® MANAGEMENT Consumer Finance Installment Lender 30+ years of operating history Operating subsidiaries in
each state Omni-channel origination platform (branch & digital) 365 branches in 11 States as of March 31, 2021 Entered Illinois in 2Q 2021 $1.1 billion total portfolio size Headquartered in Greer, SC Operations in the Southeast, Southwest,
Mid-Atlantic, and Midwest Near-Prime to Non-Prime customer base Parent company is a Delaware corporation Initial Public Offering in 2012 Listed on NYSE Ticker symbol is “RM” 6
Operating History REGIONAL® MANAGEMENT RM has operated successfully through multiple credit cycles RM Founded in South Carolina
Private Equity Invests in RM RM Enters Oklahoma Portfolio Reaches $500 Million in Size RM Enters Virginia RM Completes System Migration and Closes on First Securitization Rolled Out Electronic Contracting & Signature for Digital Loan Closings
1987 2001 2007 2009 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 RM Enters Texas RM Operates in 5 States (SC, TX, NC, TN, AL) RM Closes Initial Public Offering and Enters NM RM Enters GA and Private Equity Exits Ownership RM Enters GA and
Private Equity Exits Ownership RM Closes $75 Million Amortizing Loan Facility RM Closes New $150 Million Warehouse Facility RM Enters Missouri and Wisconsin RM Enters Illinois 7
Deep and Tested Management Experience REGIONAL® MANAGEMENT Rob Beck President and CEO 30+ years of finance and accounting experience
Spent 29 years at Citi, including service as COO of the US Retail Bank Prior to joining Regional, was EVP and COO for the Leukemia and Lymphoma Society John Schachtel COO 30+ years of consumer financial services experience Prior to joining Regional,
was COO at OneMain Financial Extensive operations experience at CitiFinancial (now OneMain) Harp Rana CFO 20 years of financial services experience Prior to joining Regional, was Managing Director, North America Retail Bank at Citigroup Held
additional roles in business and finance at Citi, including Head of US Retail Deposit & Lending Products Manish Parmar Chief Credit Risk Officer Nearly 20 years of credit and financial experience Prior to joining Regional, was Chief Credit and
Analytics Officer at Conn’s, Inc. Held several senior roles at Discover Financial Services, including Head of Consumer Credit Risk Management Jim Ryan Chief Marketing Officer 20+ years of consumer financial services experience Prior to joining
Regional, was Chief Marketing Officer at OneMain Financial for 10 years Held additional senior roles at CitiFinancial, including SVP of Operations and VP of Credit Risk 8
Experienced Board of Directors REGIONAL® MANAGEMENT Board of Directors (Non-Employee Directors) Steve Freiberg Senior Advisor to The
Boston Consulting Group Former CEO of E*TRADE Former Co-Chairman/CEO of Citigroup Global Consumer Group Mike Dunn Former CEO and Executive Chairman of RM Former Partner of Brysam Global Partners Former CFO of Citigroup Global Consumer Group Maria
Contreras-Sweet Former Administrator of U.S. Small Business Administration Founder of ProAmerica Bank Former Secretary of CA’s Business Transportation and Housing Agency Carlos Palomares Chairman of RM’s Board of Directors President and
CEO of SMC Resources Former SVP of Capital One Financial Corp. Former COO of Citibank Latin America Consumer Bank Roel Campos Senior Counsel at Hughes Hubbard & Reed LLP law firm Practices in securities regulation and corporate governance Former
SEC Commissioner Jonathan Brown Partner with Basswood Capital Management, LLC Formerly at Sandelman Formerly at Goldman Sachs Sandra Johnson, Ph.D. Founder, CEO, and CTO of Global Mobile Finance, Inc. Founder and CEO of SKJ Visioneering, LLC Former
CTO for IBM Central, East and West Africa IBM Master Inventor 9
Abundant Market Opportunity to Serve the Underserved REGIONAL® MANAGEMENT Approximately 80 million Americans generally align with
Regional’s customer base $77 billion market opportunity – RM has less than 2% market share; significant runway for growth $4.1 Trillion Consumer Finance Market (1) 30% of US Population with FICO Between 550 & 699 (2) Personal
Installment Loans Account for ~$77 billion (1) Student Loans 37% Personal Installment Loans 2% Other 7% Credit Cards 20% Auto Loans 34% 800-850 22% 750-799 21% 700-749 16% 650-699 13% 600-649 9% 550-599 8% 500-549 7% 300-499 4% (1) Sourced from
Equifax US National Consumer Credit Trends Report; December 2020 from January 2021 publication (2) Sourced from Dornhelm, Ethan. “Average U.S. FICO Score Ticks Up to 706.” FICO.com, 10 Sept. 2019,
www.fico.com/blogs/average-us-fico-score-ticks-706. 10
REGIONAL® MANAGEMENT Branch Network and Originations
Our Typical Customer REGIONAL® MANAGEMENT Our customer demographics… Average age 54 years Annual income (1) $45,000
Homeownership 55% Some college or advanced degree (1) 61% How we solve their financial needs… Originations(1) Cash needs 12% Debt consolidation 16% Household bills 23% Other 14% Family event-related 12% Medical 6% Home-related 8% Auto-related
9% (1) Sourced from Fall 2020 Customer Satisfaction Survey 12
Quarterly Total Portfolio Origination Trends REGIONAL® MANAGEMENT Quarterly Origination Trend Millions $400.0 $350.0 $300.0 $250.0
$200.0 $150.0 $100.0 $50.0 $- $295.2 $219.5 $349.0 $348.9 $359.1 $229.2 $172.2 $308.1 $358.7 $231.4 4Q 18 1Q 19 2Q 19 3Q 19 4Q 19 1Q 20 2Q 20 3Q 20 4Q 20 1Q 21 Branch Originations Direct Mail Digital Originations % Y/Y Change 10.8% - 24.1% 32.1%
21.7% 4.4% (50.7%) (11.7%) - 0.9% % Change from 2019 5.4% 13
Omni-Channel Originations Provide Market Opportunities REGIONAL® MANAGEMENT Branches are the foundation of Regional’s
multi-channel strategy. Mail campaigns attract approximately 100,000 new customers per year to Regional. Regional continues to expand digital channel / online lending capabilities to acquire customers. Branch Originated (1)
Non-Branch
Originated (1) $47.2MM Small Branch Originated Loans (365 branches as of March 31, 2021) $120.7MM Large Branch Originated Loans (365 branches as of March 31, 2021) Retailers $1.8MM Furniture and
Appliance Retailers (Relationships with approx. 600 retailers) Mail $46.0MM Convenience Check Loans Web $15.7MM Digital Lead Generation / Partnership Affiliates Regional Branch Network Supports All Origination Channels Personal Relationships with
Customers (1) YTD Origination Volume as of March 31, 2021 14
Multi-Product Offering Fits Customer Needs REGIONAL® MANAGEMENT Product suite provides multiple solutions for customers as
their credit needs evolve
Easy-to-understand
products based on credit underwriting and ability to repay Ability to cost-effectively “graduate” qualified small
loan customers to larger loans at reduced rates Small Large Retail Customer Need Short-term cash needs Bill payment
Back-to-school
expenses Auto repair Loan
consolidation Medical expenses Home repairs Home furnishings Appliances Televisions and electronics Size (1) Range: $500 to $2,500 Average: ~$2,000 Range: $2,501 to $25,000 Average: ~$5,600 Range: Up to $7,500 Average: ~$2,400 Term Up to 48
months 18 to 60 months 6 to 48 months Security
Non-essential
household goods Title to a vehicle and/or
non-essential
household goods Purchased goods (e.g. furniture) Net
Finance Receivables (2) $371.2 million $719.4 million $11.9 million # of Loans (2) ~236,000 ~149,000 ~9,000 Average APR (3) 41.8% 30.0% 21.4% (1) Represents the average origination loan size (new and renewal) as of March 31, 2021 (2)
As of March 31, 2021 (3) Fixed interest rates; represents average portfolio APR as of March 31, 2021 Note: Product offering table excludes $3.0 million auto portfolio (as of March 31, 2021), as the Company is no longer
originating auto loans. 15
Hybrid Approach to Growth REGIONAL® MANAGEMENT Multiple channels and products provide attractive market opportunities – Most
loans serviced and collected through branches – Late-stage delinquencies collected through centralized collections group Most branches with significant capacity to increase size of their portfolios Ending Net Finance Receivables Per Branch in
thousands $3,500 $3,000 $2,500 $2,000 $1,500 $1,000 $500 $- $2,439 $2,650 $3,097 $3,113 $2,995 $3,029 2017 2018 2019 2020 1Q 20 1Q 21 Geographic Footprint(1) 11 18 15 24 108 23 19 45 9 57 36 Current States of Operation Attractive States for
Expansion Date of Entry: SC: 1987 TX: 2001 NC: 2004 TN: 2007 AL: 2009 OK: 2011 NM: 2012 GA: 2013 VA: 2015 MO: 2018 WI: 2018 (1) Number of branch locations as of March 31, 2021 16
<=36% APR Origination Metrics by Product REGIONAL® MANAGEMENT FICO 670 660 650 640 630 620 610 600 590 580
Mar-19
Jun-19
Sep-19
Dec-19
Mar-20
Jun-20
Sep-20
Dec-20
Mar-21
Branch (Small & Large) Check Original Term 50 45 40 35 30
25 20 15 10 5 0
Branch
(Small & Large) Check APR 34 33 32 31 30 29 28 27
Branch
(Small & Large) Check Original Balance $6,000 $5,000 $4,000 $3,000 $2,000 $1,000 $0
Branch (Small & Large) Check 17
Branch Oversight and Audits REGIONAL® MANAGEMENT Risk-Based Audits by Internal Audit Department Monthly Branch Self-Assessments
Monthly Monitoring of Critical Analytics Detailed Supervisory Visits at Least Twice per Year by District Supervisors Incentive Program Based on Delinquency, Profitability, & Growth Detailed Policy and Procedure Manuals Annually Required Training
Program 18
REGIONAL® MANAGEMENT Underwriting and Servicing
Robust Loan Approval Process REGIONAL® MANAGEMENT Custom automated decision engine used to determine if customer qualifies for
product offerings Product offering is based on risk profile of customer and their ability to repay Credit exceptions are administered by central underwriting team Application Process Custom Decision Engine Credit / Underwriting Process Review of
Customer Financials Determine Collateral to Secure Loan Underwriting Exceptions Sent to Home Office Credit Final Decision Book New Loan Initial Decision Home Office Credit Review Credit Assess Ability to Repay Positive Net Cash Flow Audits Branch
Exceptions Underwriting Decision Send to Branch 20
Robust Underwriting Standards REGIONAL® MANAGEMENT Collateral Soft Secured Loans (Personal Property) Hard Secured (Titled Assets)
Unsecured Verifications Identity Employment Income Credit Scoring Diverse data attributes Review of credit bureau information Implementation of custom scorecards in 2018 Repayment Ability Debt to Income Calculation Minimum Annual Income Requirement
Lend only against a portion of gross income 21
Servicing Overview REGIONAL® MANAGEMENT Regional employs a hybrid strategy of localized collection efforts through the branches and
centralized support for late-stage collections Current 1-29 30-59 60-89 90-119 120-149 150-179 180+ Post Charge-off In-Branch Servicing Collection efforts primarily performed in the branches High-touch relationship allows branches to quickly
anticipate and proactively resolve repayment problems Combination of electronic payments, cash, and checks Electronic Payments are now above 75% of payments received by RM Centralized Collections Late-stage co-collection support for the branches by
centralized collectors located in South Carolina and Texas 100% electronic payments taken from centralized collections Bankruptcy and post-charge-off collections handled centrally Qualifying charged-off accounts are sold to a third-party debt buyer
2 to 3 months after charge-off 22
Loss Mitigation / Borrower Assistance Tools REGIONAL® MANAGEMENT Tools are designed to lower overall loss in the portfolio by
helping qualified customers These programs are targeted toward helping customers navigate through short term cash flow issues Renewal Balance Only (Delinquent Renewal) Refinance of previous loan similar to a renewal Provides assistance to customers
that are experiencing short term financial hardships and cash flow issues Policy: Max of 1 per 6 months Deferral Utilized for customers with short term / temporary hardships Allows customer to defer their monthly payment which solves immediate cash
flow concerns Standard Policy: No more than 2 in a rolling 12-month period and payment is generally required 23
Payment Channel Mix REGIONAL® MANAGEMENT Significant reduction in cash and check payments in branch Greater than 75% of all payments
received by RM are now made electronically (ACH, Debit) 60.0% 50.0% 40.0% 30.0% 20.0% 10.0% 0.0% Jan-2018 Mar-2018 May-2018 Jul-2018 Sep-2018 Nov-2018 Jan-2019 Mar-2019 May-2019 Jul-2019 Sep-2019 Nov-2019 Jan-2020 Mar-2020 May-2020 Jul-2020 Sep-2020
Nov-2020 Jan-2021 Mar-2021 Cash and Check (In Branch) 24
REGIONAL® MANAGEMENT Credit Performance
Total Portfolio Net Credit Loss Rates REGIONAL® MANAGEMENT Net credit loss rate decreased 280 basis points versus the prior-year
period on low delinquency levels Net Credit Loss Rates Annualized % of ANR 11.0% 9.0% 7.0% 5.0% 8.9% 10.7% 10.4% 8.1% 9.0% 10.5% 10.6% 7.8% 6.9% 7.7% 4Q 18 1Q 19 2Q 19 3Q 19 4Q 19 1Q 20 2Q 20 3Q 20 4Q 20 1Q 21 Sequential 1.3% 1.8% (0.3%) (2.3%) 0.9%
1.5% 0.1% (2.8%) (0.9%) 0.8% Year/Year 0.1% 0.8% 1.1% 0.5% 0.1% (0.2%) 0.2% (0.3%) (2.1%) (2.8%) Net credit loss rate above includes: System outage - - - - - 0.3% - - - - Hurricane losses 0.1% 0.4% 0.6% - - - - - - - 26
Delinquency at Historically Low Levels REGIONAL® MANAGEMENT 1Q 21 delinquency is down from the prior year as a result of government
stimulus and enhanced credit standards 30+ days past due of 4.3% is 230 basis points lower than prior year 30+ days past due of $47.7 million (loan loss reserves of $139.6 million)30+ & 90+ Delinquency Rates Delinquency in Millions $90.0
$75.0 $60.0 $45.0 $30.0 $15.0 $- $72.5 $32.4 7.6% 3.4% $40.1 $63.9 $31.8 6.9% 3.4% $32.1 $62.5 $26.3 6.3% 2.6% $36.2 $68.9 $29.6 6.5% 2.8% $39.3 $79.5 $35.5 7.0% 3.1% $44.1 $72.4 $35.0 6.6% 3.2% $37.4 $49.5 $24.5 4.8% 2.4% $25.0 $49.9 $22.8 4.7%
2.2% $27.1 $60.5 $27.1 5.3% 2.4% $33.3 $47.7 $26.7 4.3% 2.4% $21.1 12.0% 10.0% 8.0% 6.0% 4.0% 2.0% - % of ENR 4Q 18 1Q 19 2Q 19 3Q 19 4Q 19 1Q 20 2Q 20 3Q 20 4Q 20 1Q 21
Days
90-179
Days 30+ DQ %90+ DQ % 30+ DQ 4Q 18 1Q 19 2Q 19 3Q 19 4Q 19 1Q 20 2Q 20 3Q 20 4Q 20 1Q 21 Sequential 0.6% (0.7%) (0.6%) 0.2% 0.5% (0.4%) (1.8%) (0.1%) 0.6% (1.0%) YoY 0.2% 0.5% 0.1% (0.5%) (0.6%) (0.3%) (1.5%)
(1.8%) (1.7%) (2.3%) 90+ DQ 4Q 18 1Q 19 2Q 19 3Q 19 4Q 19 1Q 20 2Q 20 3Q 20 4Q 20 1Q 21 Sequential 0.6% - (0.8%) 0.2% 0.3% 0.1% (0.8%) (0.2%) 0.2% - YoY 0.1% 0.2% - - (0.3%) (0.2%) (0.2%) (0.6%) (0.7%) (0.8%) 27
Vintage Gross Loss Curves – Branch (Small & Large) REGIONAL® MANAGEMENT Consolidated: Large & Small Loans
<=36% APR: Gross Loss Curves 10.0% 9.0% 8.0% 7.0% 6.0% 5.0% 4.0% 3.0% 2.0% 1.0% 0.0% 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 24 27 30 33 36 2017 0.0% 0.1% 0.2% 0.3% 0.4% 0.6% 0.8% 1.5% 2.5% 3.3% 3.9% 4.5% 5.0% 5.5% 5.9% 6.3% 6.7%
6.9% 7.1% 7.4% 7.6% 8.0% 8.3% 8.5% 8.6% 8.7% 2018 0.0% 0.0% 0.0% 0.0% 0.2% 0.4% 0.7% 1.5% 2.7% 3.6% 4.3% 4.9% 5.4% 5.9% 6.4% 6.8% 7.1% 7.5% 7.7% 7.9% 8.1% 8.5% 8.8% 2019 0.0% 0.0% 0.0% 0.0% 0.2% 0.4% 0.7% 1.4% 2.5% 3.3% 4.0% 4.5% 5.0% 5.5% 5.9% 2020
0.0% 0.0% 0.0% 0.0% 0.1% 0.3% Notes: Gross loss numbers do not include benefit of
non-file
payments 28
Vintage Gross Loss Curves – Checks REGIONAL® MANAGEMENT Check <=36% APR: Gross Loss Curves 10.0% 9.0% 8.0% 7.0% 6.0% 5.0%
4.0% 3.0% 2.0% 1.0% 0.0% 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 24 27 30 33 36 2017 0.0% 0.0% 0.0% 0.1% 0.2% 0.3% 0.6% 2.5% 3.5% 4.5% 5.3% 5.9% 6.4% 6.9% 7.3% 7.5% 7.8% 8.0% 8.2% 8.4% 8.5% 8.7% 8.9% 8.9% 8.9% 9.0% 2018 0.0% 0.0% 0.0%
0.1% 0.2% 0.3% 0.5% 2.4% 3.4% 4.1% 4.7% 5.3% 5.8% 6.2% 6.6% 7.0% 7.3% 7.6% 7.8% 8.1% 8.2% 8.6% 8.8% 2019 0.0% 0.0% 0.0% 0.1% 0.2% 0.3% 0.4% 2.0% 2.9% 3.8% 4.5% 5.1% 5.6% 6.1% 6.5% 2020 0.0% 0.0% 0.0% 0.1% 0.2% 0.2% Note: Gross loss numbers do not
include benefit of non-file payments 29
RM 30+ Delinquency Trend REGIONAL® MANAGEMENT Large Loans <=36% APR 8.0% 7.0% 6.0% 5.0% 4.0% 3.0% 2.0% 2018 2019 2020 2021 5.5%
4.6% 5.0% 3.3% 4.9% 4.9% 3.8% 5.6% 5.0% 3.9% 6.0% 5.3% 4.4% Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Small Loans <=36% APR 12.0% 10.0% 8.0% 6.0% 4.0% 2.0% 0.0% 2018 2019 2020 2021 7.1% 6.7% 5.8% 4.8% 7.0% 5.9% 5.0% 7.5% 6.8% 5.4% 8.0% 7.2%
6.2% Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Consolidated: Large/Small Loans <=36% APR 8.0% 7.0% 6.0% 5.0% 4.0% 3.0% 2.0% 2018 2019 2020 2021 5.83% 5.47% 4.94% 3.57% 5.41% 5.13% 4.03% 5.89% 5.53% 4.17% 6.36% 5.91% 4.70% Jan Feb Mar Apr
May Jun Jul Aug Sep Oct Nov Dec Check <=36% APR 12.0% 10.0% 8.0% 6.0% 4.0% 2.0% 0.0% 2018 2019 2020 2021 8.0% 7.4% 6.3% 5.4% 6.6% 6.5% 5.7% 6.6% 6.5% 5.3% 7.8% 7.4% 5.8% Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 30
Historical <=36% APR Gross Loss Rate (Small, Large, Check) REGIONAL® MANAGEMENT 12.0% 10.0% 8.0% 6.0% 4.0% 2.0% 0.0% 1Q 14 3Q 14
1Q 15 3Q 15 1Q 16 3Q 16 1Q 17 3Q 17 1Q 18 3Q 18 1Q 19 3Q 19 1Q 20 3Q 20 1Q 21 Note: Gross loss numbers do not include benefit of
payments and are annualized for each quarter 31
REGIONAL® MANAGEMENT Financial Results and Liquidity
Diversified Liquidity Profile REGIONAL® MANAGEMENT Long history of liquidity support from a strong group of banking partners
Diversified funding platform with a senior revolving facility, warehouse facilities, and securitizations Senior Revolver Size: $640 million Interest Type: Floating Maturity: September 2022 Lenders: Wells Fargo Bank (Agent), Bank of America, BMO
Harris, First Tennessee, Texas Capital, Synovus, Bank United, Axos Bank Collateral: Allows for the funding of all products Warehouse Facilities Size: $300 million Interest Type: Floating Maturities: $100 million, Oct 2023 (1) $75 million,
Mar 2024 (2) $125 million, Apr 2024 (3) Administrative Agents: JPMorgan Chase Bank - $100 million Credit Suisse - $75 million Wells Fargo Bank - $125 million Collateral: Allows for the funding of large and small consumer loans and
convenience checks, including loans originated online Securitizations Size: $559 million Interest Type: fixed Maturities: $130 million, Nov 2028, Weighted Average Coupon - 3.17% $180 million, Oct 2023, Weighted Average Coupon - 2.85% $249 million,
Mar 2031, Weighted Average Coupon - 2.08% Lenders: Qualified institutional investors Collateral: $130 and $180 millions Securitization - Allows for the funding of large loans $249 million Securitization - Allows for the funding of large and small
consumer loans and convenience check (1) Entered into warehouse facility agreement in April 2021 (2) Warehouse facility amended in April 2021 (3) Entered into warehouse facility agreement in April 2021 33
Historical Financial Performance REGIONAL® MANAGEMENT Reduced earnings in 2020 driven by COVID reserves Receivables and revenue have
grown in parallel Net Income ($ in millions) $50 $45 $40 $35 $30 $25 $20 $15 $10 $5 $0 $23.4 $24.0 $30.0 $35.3 $44.7 $26.7 2015 2016 2017 2018 2019 2020 Total Revenue ($ in millions) $400 $350 $300 $250 $200 $150 $100 $50 $0 $217.3 $240.5 $272.5
$306.7 $355.7 $373.9 2015 2016 2017 2018 2019 2020 34
Consolidated Income Statements REGIONAL® MANAGEMENT in thousands 1Q 21 1Q 20 2020 2019 2018 2017 Revenue Interest and fee income $
87,279 $ 86,997 $ 335,215 $ 321,169 $ 280,121 $ 249,034 Insurance income, net 7,985 5,949 28,349 20,817 14,793 13,061 Other income 2,467 3,128 10,342 13,727 11,792 10,364 Total revenue 97,731 96,074 373,906 355,713 306,706 272,459 Expenses Provision
for credit losses 11,362 49,522 123,810 99,611 87,056 77,339 Personnel 28,851 29,511 109,560 94,000 84,068 75,992 Occupancy 6,020 5,227 22,629 22,576 20,864 20,462 Marketing 2,710 1,686 10,357 8,206 7,745 7,128 Other 8,262 9,819 33,770 32,202 27,607
27,373 Total general and administrative 45,843 46,243 176,316 156,984 140,284 130,955 Interest expense 7,135 10,159 37,852 40,125 33,464 23,908 Income (loss) before income taxes 33,391 (9,850) 35,928 58,993 45,902 40,257 Income taxes 7,869 (3,525)
9,198 14,261 10,557 10,294 Net income (loss) $ 25,522 $ (6,325) $ 26,730 $ 44,732 $ 35,345 $ 29,963 35
Consolidated Balance Sheets REGIONAL® MANAGEMENT in thousands 1Q 21 1Q 20 2020 2019 2018 2017 Cash $ 7,226 $ 14,668 $ 8,052 $ 2,263
$ 3,657 $ 5,230 Net finance receivables 1,105,603 1,102,285 1,136,259 1,133,404 951,183 834,045 Unearned insurance premiums (34,751) (28,183) (34,545) (28,591) (18,940) (16,582) Allowance for credit losses (139,600) (142,400) (150,000) (62,200)
(58,300) (48,910) Net finance receivables, less unearned insurance premiums and allowance for credit losses 931,252 931,702 951,714 1,042,613 873,943 768,553 Restricted cash 79,012 54,649 63,824 54,164 46,484 16,787 Lease assets 27,652 26,729 27,116
26,438 - - Deferred tax asset 14,366 20,025 14,121 619 - - Property and equipment 13,046 15,155 14,458 15,301 13,926 12,294 Intangible assets 8,926 9,144 8,689 9,438 10,010 10,607 Other assets 16,815 6,818 15,882 7,704 8,375 16,012 Total assets $
1,098,295 $ 1,078,890 $ 1,103,856 $ 1,158,540 $ 956,395 $ 829,483 Long-term debt $ 752,200 $ 777,847 $ 768,909 $ 808,218 $ 660,507 $ 571,496 Unamortized debt issuance costs (8,196) (8,581) (6,661) (9,607) (9,158) (4,950) Net long-term debt 744,004
769,266 762,248 798,611 651,349 566,546 Accounts payable and accrued expenses 40,943 29,459 40,284 28,676 25,138 18,565 Lease liabilities 29,712 28,803 29,201 28,470 - - Deferred tax liability - - - - 747 4,961 Total liabilities 814,659 827,528
831,733 855,757 677,234 590,072 Common stock 1,406 1,366 1,385 1,350 1,332 1,321 Additional paid-in capital 105,493 103,488 105,483 102,678 98,778 94,384 Retained earnings 250,659 196,582 227,343 248,829 204,097 168,752 Treasury stock (73,922)
(50,074) (62,088) (50,074) (25,046) (25,046) Total stockholders’ equity 283,636 251,362 272,123 302,783 279,161 239,411 Total liabilities and stockholders’ equity $ 1,098,295 $ 1,078,890 $ 1,103,856 $ 1,158,540 $ 956,395 $ 829,483 36

REGIONAL® MANAGEMENT REGIONAL® MANAGEMENT RM LISTED NYSE

The above information was disclosed in a filing to the SEC. To see the filing, click here.

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Other recent filings from the company include the following:

Regional Management Corp. Announces Closing Of $125 Million Private Asset-Backed Securitization - Oct. 12, 2021
Regional Management Corp. director just disposed of 5,000 shares - Oct. 4, 2021

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