QC (QCCO) 10-Q 12 Nov 15 2015 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2015	Oct. 31, 2015
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q3
Trading Symbol	QCCO
Entity Registrant Name	QC Holdings, Inc.
Entity Central Index Key	1,289,505
Current Fiscal Year End Date	--12-31
Entity Filer Category	Smaller Reporting Company
Entity Common Stock, Shares Outstanding		17,333,033

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Current assets:
Cash and cash equivalents	$ 12,823	$ 14,220
Restricted cash and other	950	950
Loans receivable, less allowance for losses of $6,794 at December 31, 2014 and $6,436 at September 30, 2015	49,802	55,744
Deferred income taxes	1,294	824
Assets held for sale	934	2,110
Prepaid expenses and other current assets	4,035	3,894
Total current assets	69,838	77,742
Non-current loans receivable, less allowance for losses of $2,133 at December 31, 2014 and $1,807 at September 30, 2015	3,684	5,603
Property and equipment, net	4,099	5,013
Intangible assets, net	656	835
Deferred income taxes	7,262	7,751
Other assets, net	4,299	4,555
Total assets	89,838	101,499
Current liabilities:
Accounts payable	739	638
Accrued expenses and other current liabilities	3,334	2,562
Accrued compensation and benefits	4,337	4,130
Deferred revenue	2,511	2,917
Debt due within one year	6,518	12,000
Total current liabilities	17,439	22,247
Long-term debt		3,415
Other non-current liabilities	4,747	5,482
Total liabilities	$ 22,186	$ 31,144
Commitments and contingencies
Stockholders' equity:
Common stock, $0.01 par value: 75,000,000 shares authorized; 20,700,250 shares issued and 17,314,791 outstanding at December 31, 2014; 20,700,250 shares issued and 17,333,033 outstanding at September 30, 2015	$ 207	$ 207
Additional paid-in capital	60,700	61,561
Retained earnings	32,213	34,905
Treasury stock, at cost	(25,550)	(26,276)
Accumulated other comprehensive income (loss)	82	(42)
Total stockholders' equity	67,652	70,355
Total liabilities and stockholders' equity	$ 89,838	$ 101,499

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Statement of Financial Position [Abstract]
Allowance for loan losses	$ 6,436	$ 6,794
Allowance for loan losses, non-current	$ 1,807	$ 2,133
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	75,000,000	75,000,000
Common stock, shares issued	20,700,250	20,700,250
Common stock, shares outstanding	17,333,033	17,314,791

Consolidated Statements of Oper

Consolidated Statements of Operations (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Revenues
Consumer loan interest and fees	$ 32,220	$ 36,868	$ 94,173	$ 106,229
Other	2,259	2,510	6,809	7,630
Total revenues	34,479	39,378	100,982	113,859
Operating expenses
Salaries and benefits	8,131	8,616	23,798	24,680
Provision for losses	10,525	12,565	29,207	32,655
Occupancy	4,693	4,525	13,686	13,442
Depreciation and amortization	340	437	1,141	1,370
Other	4,027	3,861	11,298	10,777
Total operating expenses	27,716	30,004	79,130	82,924
Gross profit	6,763	9,374	21,852	30,935
Regional expenses	2,003	1,993	6,061	6,420
Corporate expenses	5,784	4,407	15,160	14,095
Depreciation and amortization	178	502	557	1,455
Interest expense	223	364	659	1,106
Other expense, net	418	1,628	875	1,687
Income (loss) from continuing operations before income taxes	(1,843)	480	(1,460)	6,172
Provision (benefit) for income taxes	(350)	155	(72)	2,450
Income (loss) from continuing operations	(1,493)	325	(1,388)	3,722
Gain (loss) from discontinued operations, net of income tax		(99)		143
Net income (loss)	$ (1,493)	$ 226	$ (1,388)	$ 3,865
Weighted average number of common shares outstanding:
Basic	17,333	17,511	17,360	17,486
Diluted	17,333	17,568	17,360	17,492
Basic
Continuing operations	$ (0.09)	$ 0.02	$ (0.08)	$ 0.21
Discontinued operations		(0.01)		0.01
Net income (loss)	(0.09)	0.01	(0.08)	0.22
Diluted
Continuing operations	(0.09)	0.02	(0.08)	0.21
Discontinued operations		(0.01)		0.01
Net income (loss)	$ (0.09)	$ 0.01	$ (0.08)	$ 0.22

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Comprehensive Income (Loss), Net of Tax, Attributable to Parent [Abstract]
Net income (loss)	$ (1,493)	$ 226	$ (1,388)	$ 3,865
Other comprehensive income:
Foreign currency translation adjustment	49	61	124	64
Total comprehensive income (loss)	$ (1,444)	$ 287	$ (1,264)	$ 3,929

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) - 9 months ended Sep. 30, 2015 - USD ($) $ in Thousands	Total	Common Stock [Member]	Additional paid-in capital [Member]	Retained earnings [Member]	Treasury stock [Member]	Accumulated other comprehensive income (loss) [Member]
Beginning balance at Dec. 31, 2014	$ 70,355	$ 207	$ 61,561	$ 34,905	$ (26,276)	$ (42)
Beginning balance, shares at Dec. 31, 2014		17,315,000
Net loss	(1,388)			(1,388)
Dividends to stockholders	(1,304)			(1,304)
Common stock repurchases	$ (181)				(181)
Common stock repurchases, shares	(55,647)	(99,000)
Issuance of restricted stock awards			(907)		907
Issuance of restricted stock awards, shares		117,000
Stock-based compensation expense	$ 44		44
Tax impact of stock-based compensation	2		2
Foreign currency translation	124					124
Ending balance at Sep. 30, 2015	$ 67,652	$ 207	$ 60,700	$ 32,213	$ (25,550)	$ 82
Ending balance, shares at Sep. 30, 2015		17,333,000

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Cash flows from operating activities
Net income (loss)	$ (1,388)	$ 3,865
Adjustments to reconcile net income (loss) to net cash provided by operating activities:
Depreciation and amortization	1,698	2,826
Provision for losses	29,207	32,729
Deferred income taxes	(47)	99
Non-cash interest expense	201	414
Loss from foreign currency transaction	787	333
Loss (gain) on cash surrender value of life insurance	231	(73)
Loss on disposal of property and equipment	94	1,270
Stock-based compensation	44	457
Changes in operating assets and liabilities
Loans, interest and fees receivable, net	(21,525)	(28,421)
Prepaid expenses and other current assets	450	330
Other assets	26	30
Accounts payable	100	(280)
Accrued expenses, other liabilities, accrued compensation and benefits and deferred revenue	638	(736)
Income taxes	(698)	33
Other non-current liabilities	(672)	115
Net operating	9,146	12,991
Cash flows from investing activities
Purchase of property and equipment	(928)	(1,975)
Proceeds from sale of property and equipment	1,187	15
Changes in restricted cash and other		126
Net investing	259	(1,834)
Cash flows from financing activities
Borrowings under credit facility	7,500	11,250
Payments on credit facility	(16,500)	(18,300)
Repayments of long-term debt		(4,500)
Payments for debt issue costs		(306)
Dividends to stockholders	(1,304)
Repurchase of common stock	(181)	(174)
Net financing	(10,485)	(12,030)
Effect of exchange rate changes on cash and cash equivalents	(317)	(95)
Cash and cash equivalents
Net decrease	(1,397)	(968)
At beginning of year	14,220	12,685
At end of period	12,823	11,717
Cash paid during the period for
Interest	391	669
Income taxes	$ 677	$ 2,395

The Company and Significant Acc

The Company and Significant Accounting Policies	9 Months Ended
	Sep. 30, 2015
Accounting Policies [Abstract]
The Company and Significant Accounting Policies	Note 1 – The Company and Significant Accounting Policies Business. Basis of Presentation. The accompanying unaudited consolidated financial statements are prepared consistently with the accounting policies described in Note 2 to the consolidated financial statements included in the Company’s 2014 Form 10-K, which include the following: use of estimates, revenue recognition, cash and cash equivalents, restricted cash and other, loans receivable, provision for losses and allowance for loan losses, operating expenses, property and equipment, assets held for sale, software, advertising costs, goodwill and intangible assets, impairment of long-lived assets, earnings per share, stock-based compensation, income taxes, treasury stock, fair value of financial instruments, derivative instruments and foreign currency translations. In the opinion of management, the accompanying unaudited condensed consolidated financial statements contain all adjustments (consisting only of normal recurring adjustments) necessary to present fairly the consolidated financial position of the Company and its subsidiaries as of September 30, 2015, and the results of operations and comprehensive income for the three and nine months ended September 30, 2014 and 2015 and cash flows for the nine months ended September 30, 2014 and 2015, in conformity with US GAAP.

New Accounting Pronouncements

New Accounting Pronouncements	9 Months Ended
	Sep. 30, 2015
Accounting Changes and Error Corrections [Abstract]
New Accounting Pronouncements	Note 2 – New Accounting Pronouncements In April 2015, the FASB issued guidance on simplifying the presentation of debt issuance costs. The guidance requires that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The guidance does not affect recognition and measurement guidance for debt issuance costs. The guidance is effective for annual reporting periods beginning after December 15, 2015, including interim periods within that reporting period; early adoption is permitted. The Company will adopt this guidance beginning in 2016 and the adoption of this guidance is not expected to have a significant effect on the Company’s consolidated financial statements. In June 2014, the FASB issued guidance on accounting for share-based payments when the terms of an award provide that a performance target could be achieved after the requisite service period . In May 2014, the FASB issued guidance on revenue recognition which specifies how and when to recognize revenue as well as providing informative, relevant disclosures. This guidance will become effective for fiscal years beginning after December 15, 2016, however FASB has proposed to delay the effective date to December 15, 2017. The Company is currently evaluating the impact of this guidance on its consolidated financial statements. In April 2014, the FASB issued guidance on reporting discontinued operations and disclosures of disposals of components of an entity, which changes the criteria for determining which disposals can be presented as discontinued operations and modifies the related disclosure requirements. Under the new guidance, a discontinued operation is defined as a disposal of a component or group of components that represents a strategic shift that has, or will have, a major effect on an entity’s operations and financial results. The revised guidance is effective for annual fiscal periods beginning after December 15, 2014. The adoption of this guidance did not have a significant effect on the Company’s consolidated financial statements.

Fair Value Measurements

Fair Value Measurements	9 Months Ended
	Sep. 30, 2015
Auto Sales Facility [Member]
Fair Value Measurements	Note 3 – Fair Value Measurements Accounting guidance on fair value measurements establishes a three-tier fair value hierarchy, which prioritizes the inputs used in measuring fair value. These tiers include: Level 1, defined as observable inputs such as quoted prices in active markets; Level 2, defined as inputs other than quoted prices in active markets that are either directly or indirectly observable; and Level 3, defined as unobservable inputs in which little or no market data exists, therefore requiring an entity to develop its own assumptions. There were no recurring fair value measurements as of December 31, 2014 and September 30, 2015. The Company also measures the fair value of certain assets on a non-recurring basis when events or changes in circumstances indicate that the carrying amount of the assets may not be recoverable. Non-financial assets such as property, equipment, land, goodwill and intangible assets are also subject to non-recurring fair value measurements if they are deemed to be impaired. The impairment models used for non-financial assets depend on the type of asset. When the carrying amount of these assets cannot be recovered by the undiscounted net cash flows they will generate, impairment is recognized in an amount by which the carrying amount of the assets exceeds the fair value. The Company measures long-lived assets held for sale at the lower of carrying amount or estimated fair value. As of December 31, 2014, assets held for sale included an office building located in Kansas City, Kansas and an auto sales facility. With respect to the auto sales facility held for sale, the Company recorded an impairment charge of $211,000 during third quarter 2014 to reduce the carrying amount of the property to its estimated fair value less estimated costs to sell. The following table presents fair value measurements of certain assets (auto sales facility) on a non-recurring basis as of December 31, 2014 (in thousands) Fair Value Measurements Total Level 1 Level 2 Level 3 Assets held for sale $ — $ — $ 1,176 $ (211 ) In February 2015, the Company completed the sale of its auto facility for approximately $1.2 million, net of fees to an unrelated third party. The net book value of the property sold was approximately $1.2 million. As of September 30, 2015, assets held for sale include the building located in Kansas City, Kansas. The fair value of the building approximates its carrying amount as of September 30, 2015. The fair value of cash and cash equivalents approximates carrying value. The fair value of restricted cash and other approximates carrying value. The fair value of single-pay, title, installment loans and open-end credit receivables, borrowings under the credit facility, accounts payable and certain other current liabilities that are short-term in nature approximates carrying value. If measured at fair value in the financial statements, these financial instruments would be classified as Level 3 in the fair value hierarchy. The Company estimates the fair value of long-term debt based upon borrowing rates available at the reporting date for indebtedness with similar terms and average maturities. Debt is reported at its carrying amount in the Consolidated Balance Sheets. As of December 31, 2014 and September 30, 2015, the fair value of the Company’s outstanding indebtedness approximated the carrying value.

Discontinued Operations

Discontinued Operations	9 Months Ended
	Sep. 30, 2015
Discontinued Operations and Disposal Groups [Abstract]
Discontinued Operations	Note 4 – Discontinued Operations Summarized financial information for discontinued operations during the three and nine months ended September 30, 2014 and 2015 is presented below (in thousands): Three Months Ended Nine Months Ended September 30, September 30, 2014 2015 2014 2015 Total revenues $ 199 $ — $ 1,945 $ — Provision for losses 198 — 74 — Operating expenses 158 — 1,719 — Gross profit (loss) (157 ) — 152 — Other, net (6 ) — 77 — Gain (loss) before income taxes (163 ) — 229 — Income tax benefit (expense) 64 — (86 ) — Gain (loss) from discontinued operations $ (99 ) $ — $ 143 $ — During 2014, the Company closed 23 underperforming branches. These branches are reported as discontinued operations in the Consolidated Statements of Operations and related disclosures in the accompanying notes for all periods presented. With respect to the Consolidated Statements of Cash Flows and related disclosures in the accompanying notes, the items associated with the discontinued operations are included with the continuing operations for all periods presented.

Consumer Loans, Credit Quality

Consumer Loans, Credit Quality Information and Allowance for Loan Losses	9 Months Ended
	Sep. 30, 2015
Receivables [Abstract]
Consumer Loans, Credit Quality Information and Allowance for Loan Losses	Note 5 – Consumer Loans, Credit Quality Information and Allowance for Loan Losses The components of consumer loan interest and fees as reported in the Consolidated Statements of Operations are as follows (in thousands) Three Months Ended Nine Months Ended September 30, September 30, 2014 2015 2014 2015 Single-pay loan fees $ 25,567 $ 22,961 $ 74,183 $ 66,151 Installment interest and fees 10,020 7,878 28,494 23,982 Open-end credit fees 1,206 1,317 3,309 3,845 Title loan fees 75 64 243 195 Total $ 36,868 $ 32,220 $ 106,229 $ 94,173 Loans receivable. (in thousands) December 31, September 30, 2014 2015 Current portion: Single-pay loans $ 35,843 $ 32,086 Installment loans 19,228 15,791 Open-end credit loans 4,566 4,104 Other 2,901 4,257 62,538 56,238 Less: Allowance for losses (6,794 ) (6,436 ) Total current portion $ 55,744 $ 49,802 As of December 31, 2014 and September 30, 2015, non-current loans receivable consists entirely of installment loans. On occasion, the Company will sell certain single-pay and installment loans receivable that the Company had previously charged off to third parties for cash. The sales are recorded as a credit to the overall loss provision, which is consistent with the Company’s policy for recording recoveries. The following table summarizes cash received from the sale of certain single-pay and installment loans receivable (in thousands) Three Months Ended Nine Months Ended September 30, September 30, 2014 2015 2014 2015 Cash received from sale of loans receivable $ 183 $ 317 $ 560 $ 623 Credit quality information. The Company had approximately $9.7 million in installment loans receivable that were past due as of December 31, 2014 and approximately 45.7% of this amount was more than 60 days past due. The Company had approximately $6.8 million in installment loans receivable past due as of September 30, 2015 and approximately 44.4% of this amount was more than 60 days past due. Allowance for loan losses. (in thousands) Three Months Ended Nine Months Ended September 30, September 30, 2014 2015 2014 2015 Balance, beginning of period $ 9,684 $ 8,474 $ 10,444 $ 8,927 Charge-offs (21,141 ) (17,119 ) (57,817 ) (49,299 ) Recoveries 7,967 6,925 24,230 20,488 Provision for losses 12,110 9,963 31,763 28,127 Balance, end of period $ 8,620 $ 8,243 $ 8,620 $ 8,243 The provision for losses in the Consolidated Statements of Operations includes losses associated with the credit service organization (see note 10 for additional information) and excludes loss activity related to discontinued operations (see note 4 for additional information). The following tables summarize the activity in the allowance for loan losses by product type during the three and nine months ended September 30, 2014 and 2015 (in thousands) Three Months Ended September 30, 2015 Open-end Single-pay Installment Credit Loans Loans Loans Other Total Balance, beginning of period $ 1,512 $ 5,190 $ 1,438 $ 334 $ 8,474 Charge-offs (11,685 ) (4,671 ) (644 ) (119 ) (17,119 ) Recoveries 6,230 664 31 6,925 Provision for losses 5,058 3,957 668 280 9,963 Balance, end of period $ 1,115 $ 5,140 $ 1,462 $ 526 $ 8,243 Nine Months Ended September 30, 2015 Open-end Single-pay Installment Credit Loans Loans Loans Other Total Balance, beginning of period $ 1,310 $ 6,080 $ 1,437 $ 100 $ 8,927 Charge-offs (31,318 ) (15,808 ) (1,811 ) (362 ) (49,299 ) Recoveries 18,145 2,191 152 20,488 Provision for losses 12,978 12,677 1,836 636 28,127 Balance, end of period $ 1,115 $ 5,140 $ 1,462 $ 526 $ 8,243 Three Months Ended September 30, 2014 Open-end Single-pay Installment Credit Loans Loans Loans Other Total Balance, beginning of period $ 1,500 $ 6,100 $ 2,044 $ 40 $ 9,684 Charge-offs (13,369 ) (6,170 ) (1,479 ) (123 ) (21,141 ) Recoveries 7,225 716 26 7,967 Provision for losses 5,947 5,254 789 120 12,110 Balance, end of period $ 1,303 $ 5,900 $ 1,354 $ 63 $ 8,620 Nine Months Ended September 30, 2014 Open-end Single-pay Installment Credit Loans Loans Loans Other Total Balance, beginning of period $ 2,873 $ 6,152 $ 1,419 $ — $ 10,444 Charge-offs (37,299 ) (18,051 ) (2,127 ) (340 ) (57,817 ) Recoveries 21,719 2,396 115 24,230 Provision for losses 14,010 15,403 2,062 288 31,763 Balance, end of period $ 1,303 $ 5,900 $ 1,354 $ 63 $ 8,620

Property and Equipment

Property and Equipment	9 Months Ended
	Sep. 30, 2015
Property, Plant and Equipment [Abstract]
Property and Equipment	Note 6 – Property and Equipment Property and equipment consisted of the following (in thousands) December 31, September 30, 2014 2015 Furniture and equipment $ 22,280 $ 22,086 Leasehold improvements 16,644 16,494 Vehicles 865 856 39,789 39,436 Less: Accumulated depreciation and amortization (34,776 ) (35,337 ) Total $ 5,013 $ 4,099 In February 2005, the Company entered into a seven-year lease for a new corporate headquarters in Overland Park, Kansas. In January 2011, the Company amended its lease agreement to extend the lease term and modify the lease payments. The lease was extended with a new landlord through October 31, 2017 and includes a renewal option for an additional five years. As part of the original lease agreement and the amendment to the lease agreement, the Company received tenant allowances from the landlord for leasehold improvements totaling $1.4 million. The tenant allowances are recorded by the Company as a deferred liability and are being amortized as a reduction of rent expense over the life of the lease. As of December 31, 2014, the balance of the deferred liability was approximately $158,000, of which $102,000 was classified as a non-current liability. As of September 30, 2015, the balance of the deferred liability was approximately $116,000 of which $60,000 is classified as a non-current liability.

Intangible Assets

Intangible Assets	9 Months Ended
	Sep. 30, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Intangible Assets	Note 7 – Intangible Assets Intangible Assets. (in thousands) December 31, September 30, 2014 2015 Non-amortized intangible assets: Trade names $ 692 $ 692 Amortized intangible assets: Customer relationships $ 2,603 $ 2,603 Debt issue costs 275 275 Gross carrying amount 2,878 2,878 Less: Accumulated amortization (2,675 ) (2,774 ) Amortized intangible assets 203 104 Effect of foreign currency translation (60 ) (140 ) Total intangible assets, net $ 835 $ 656 The amortization of definite lived intangible assets for customer relationships is recorded as amortization expense. The deferred debt issue costs are amortized to interest expense over the life of the related debt instruments. The following table summarizes the amortization of definite lived intangible assets for the three and nine months ended September 30, 2014 and 2015 (in thousands) Three Months Ended Nine Months Ended September 30, September 30, 2014 2015 2014 2015 Customer relationships $ 201 $ — $ 605 $ — Debt issue costs 121 32 315 99 Total $ 322 $ 32 $ 920 $ 99 As of December 31, 2014 and September 30, 2015, the intangible assets recorded for customer relationships was fully amortized. The following table summarizes the estimated annual interest expense for debt issue costs recorded as of September 30, 2015 (in thousands) September 30, 2015 Remainder of 2015 $ 31 2016 73 Total $ 104

Indebtedness

Indebtedness	9 Months Ended
	Sep. 30, 2015
Debt Disclosure [Abstract]
Indebtedness	Note 8 – Indebtedness The following table summarizes long-term debt at December 31, 2014 and September 30, 2015 (in thousands) December 31, September 30, 2014 2015 Revolving credit facility $ 12,000 $ 3,000 Senior subordinated notes 3,415 3,518 Total debt 15,415 6,518 Less current portion of debt (12,000 ) (6,518 ) Long-term debt $ 3,415 $ — On July 23, 2014, the Company entered into an Amended and Restated Credit Agreement (Credit Agreement) with a syndicate of banks to replace its prior credit agreement, which was previously restated on September 30, 2011 and amended at various times since then. The 2014 amendment increased the maximum amount available under the revolving credit facility from $16 million to $20 million. The Credit Agreement matures on July 23, 2016. On July 23, 2014, the Company and the holders of the subordinated notes entered into an amendment to the subordinated notes to extend the maturity of the outstanding notes to September 30, 2016. The Credit Agreement contains financial covenants related to a minimum fixed charge coverage ratio, a maximum senior leverage ratio and a minimum liquidity (expressed as consolidated current assets to total consolidated debt). As of September 30, 2015, the Company was not in compliance with these covenants. On October 30, 2015, the Company and the syndicate of banks amended the Credit Agreement as it relates to, among other things, the minimum fixed charge coverage ratio and the maximum senior leverage ratio (for certain periods). In addition, the amendment reduced the maximum amount available under the revolving credit facility from $20 million to $9 million.

Income taxes

Income taxes	9 Months Ended
	Sep. 30, 2015
Income Tax Disclosure [Abstract]
Income taxes	Note 9 – Income taxes Effective Tax Rate. Uncertain Tax Positions. The Company records accruals for interest and penalties related to unrecognized tax benefits in interest expense and operating expense, respectively. Interest and penalties and associated accruals were not material as of September 30, 2015. The Company does not anticipate any material changes in the amount of unrecognized tax benefits in the next twelve months.

Credit Services Organization (C

Credit Services Organization (CSO)	9 Months Ended
	Sep. 30, 2015
Text Block [Abstract]
Credit Services Organization (CSO)	Note 10 – Credit Services Organization (CSO) For the Company’s locations in Texas, the Company began operating as a CSO, through one of its subsidiaries, in September 2005. As a CSO, the Company acts on behalf of consumers in accordance with Texas laws. The Company charges the consumer a fee for arranging for an unrelated third-party to make a loan to the consumer and for providing related services to the consumer, including a guarantee of the consumer’s obligation to the third-party lender. The Company also services the loan for the lender. The CSO fee is recognized ratably over the term of the loan. The Company is not involved in the loan approval process or in determining the loan approval procedures or criteria. As a result, loans made by the lender are not included in the Company’s loans receivable balance and are not reflected in the Consolidated Balance Sheets. As noted above, however, the Company absorbs all risk of loss through its guarantee of the consumer’s loan from the lender. As of December 31, 2014 and September 30, 2015, the consumers had total loans outstanding with the lender of approximately $1.5 million and $1.2 million, respectively. Because of the economic exposure for potential losses related to the guarantee of these loans, the Company records a payable at fair value to reflect the anticipated losses related to uncollected loans. The balance of the liability for estimated losses reported in accrued expenses and other current liabilities was approximately $380,000 as of December 31, 2014 and $260,000 as of September 30, 2015. The following table summarizes the activity in the CSO liability (in thousands) Three Months Ended Nine Months Ended September 30, September 30, 2014 2015 2014 2015 Balance, beginning of period $ 284 $ 230 $ 985 $ 380 Charge-offs (752 ) (641 ) (2,061 ) (1,571 ) Recoveries 145 109 440 371 Provision for losses 653 562 966 1,080 Balance, end of period $ 330 $ 260 $ 330 $ 260

Stockholders Equity

Stockholders Equity	9 Months Ended
	Sep. 30, 2015
Equity [Abstract]
Stockholders Equity	Note 11 – Stockholders Equity Earnings Per Share. (in thousands, except per share data) Three Months Ended Nine Months Ended September 30, September 30, 2014 2015 2014 2015 Income (loss) available to common stockholders: Income (loss) from continuing operations $ 325 $ (1,493 ) $ 3,722 $ (1,388 ) Discontinued operations, net of income tax (99 ) 143 Net income (loss) $ 226 $ (1,493 ) $ 3,865 $ (1,388 ) Weighted average shares outstanding: Weighted average basic common shares outstanding 17,511 17,333 17,486 17,360 Dilutive effect of stock options and unvested restricted stock 57 6 Weighted average diluted common shares outstanding 17,568 17,333 17,492 17,360 Basic earnings (loss) per share: Continuing operations $ 0.02 $ (0.09 ) $ 0.21 $ (0.08 ) Discontinued operations (0.01 ) 0.01 Net income (loss) $ 0.01 $ (0.09 ) $ 0.22 $ (0.08 ) Diluted earnings (loss) per share: Continuing operations $ 0.02 $ (0.09 ) $ 0.21 $ (0.08 ) Discontinued operations (0.01 ) 0.01 Net income (loss) $ 0.01 $ (0.09 ) $ 0.22 $ (0.08 ) Anti-dilutive securities. Stock Repurchases. In February 2015, the Company repurchased approximately 43,000 shares at a total cost of $73,000, in connection with the funding of employee income tax withholding obligations arising from the vesting of restricted shares. Shares received in exchange for tax withholding obligations arising from the vesting of restricted stock are included in common stock repurchased in the Consolidated Statements of Cash Flows and the Statements of Changes in Stockholders’ Equity. Dividends.

Stock-Based Compensation and Ot

Stock-Based Compensation and Other Long-Term Incentive Compensation	9 Months Ended
	Sep. 30, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Stock-Based Compensation and Other Long-Term Incentive Compensation	Note 12 – Stock-Based Compensation and Other Long-Term Incentive Compensation Restricted Stock. in thousands) Three Months Ended Nine Months Ended September 30, September 30, 2014 2015 2014 2015 Employees $ 120 $ — $ 405 $ 44 Non-employee directors 52 Total $ 120 $ — $ 457 $ 44 Stock Options. Other Long-Term Incentive Compensation. in thousands) Three Months Ended Nine Months Ended September 30, September 30, 2014 2015 2014 2015 Performance Units $ (142 ) $ (52 ) $ (36 ) $ (84 ) RSU’s 106 4 238 93 Total $ (36 ) $ (48 ) $ 202 $ 9 The following table summarizes the liability associated with Performance Units and RSU’s (in thousands) December 31, September 30, 2014 2015 Performance Units $ 83 $ — RSU’s 272 201 Total $ 355 $ 201 In first quarter 2015, the RSU’s granted in 2012 vested and as a result, the Company paid approximately $163,000 in cash to the executive officers covered under the LTIP. As of September 30, 2015, the total unrecognized costs related to the Performance Units and RSUs was approximately $215,000. The Company expects that these costs will be amortized to compensation expense over a weighted average period of 1.8 years.

Commitments and Contingencies

Commitments and Contingencies	9 Months Ended
	Sep. 30, 2015
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Note 13 – Commitments and Contingencies Litigation The Company assesses the materiality of litigation by reviewing a range of qualitative and quantitative factors. These factors include the size of the potential claims, the merits of the Company’s defenses and the likelihood of plaintiffs’ success on the merits, the regulatory environment that could impact such claims and the potential impact of the litigation on its business. The Company evaluates the likelihood of an unfavorable outcome of the legal or regulatory proceedings to which it is a party in accordance with accounting guidance. This assessment is subjective based on the status of the legal proceedings and is based on consultation with in-house and external legal counsel. The actual outcomes of these proceedings may differ from the Company’s assessments. Canada - Lee. The parties have settled the case. The Company’s share of the settlement amount and ancillary expenses, net of indemnification from the prior owners of Direct Credit, is $500,000 (Canadian). The settlement will involve refunds and credits to class members dating back to 2001. The deadline for eligible customers to make a claim was July 21, 2015. The parties expect that they will complete the settlement by the end of 2015. California - Stemple. On September 5, 2014, the district court granted Plaintiff’s Motion for Class Certification. The certified class consists of persons and/or entities who were never customers of the Company, but whose 10-digit California area code cell phone numbers were listed by the Company’s customers in the “Employment” and/or “Contacts” fields of their loan applications, and who the Company allegedly called using an Automatic Telephone Dialing System for the purpose of collecting or attempting to collect an alleged debt from the account holder, between August 13, 2008 and August 13, 2012. In October 2015, the parties reached a tentative settlement for $1.5 million. As of October 16, 2015, there is no signed memorandum of understanding reflecting the settlement, however. Though the case was limited to California residents, the parties have agreed to settle the case on a nationwide basis. Settlement of the case is dependent upon court approval. Assuming there are no major obstacles to settlement, it is possible the parties will finalize the settlement and begin notifying potential claimants by early 2016. The Company recorded an accrual of $1.5 million during third quarter 2015 associated with the tentative settlement of this legal matter as the loss is probable and can be reasonably estimated. California - Marquez. Other Matters.

Regulatory Environment and Cert

Regulatory Environment and Certain Concentrations of Risk	9 Months Ended
	Sep. 30, 2015
Text Block [Abstract]
Regulatory Environment and Certain Concentrations of Risk	Note 14 – Regulatory Environment and Certain Concentrations of Risk The Company is subject to regulation by federal and state governments in the United States that affect the products and services provided by the Company, particularly single-pay loans. The Company currently operates in 22 states throughout the United States and is engaged in consumer Internet lending in two states in the United States and certain Canadian provinces. The level and type of regulation of consumer loans varies greatly from state to state, ranging from states with no regulations or legislation to other states with very strict guidelines and requirements. From a federal perspective, the Company is under the purview of the Consumer Financial Protection Bureau (CFPB), which has broad supervisory powers over providers of consumer credit products in the United States such as those offered by the Company. The CFPB now has the power to create rules and regulations that specifically apply to consumer lending. On March 26, 2015, the CFPB issued a report entitled Small Business Advisory Review Panel For Potential Rulemakings For Payday, Vehicle Title, And Similar Loans - Outline Of Proposals Under Consideration And Alternatives Considered. The report sets forth the CFPB’s guidelines for issuing proposed rules for the single-pay, auto title loans, deposit advance products, certain high-cost installment loans and open-end loans. The CFPB proposes several types of regulatory requirements to be imposed under the unfair, deceptive, or abusive acts of practices (UDAAP) authority, offering lenders the choice for short term covered loans (loans up to 45 days) and long term covered loans (loans over 45 days). The CFPB proposals provided for two credit options for short-term covered loans, and two credit options for longer-term covered loans. The proposals also include provisions related to practices associated with collecting payments on consumer loans, including a three-day notice to consumers before submitting payments to a consumer’s bank and limiting attempts to collect from a consumer’s account after two consecutive attempts have failed. If the CFPB adopts the proposed rules, the rules and implementing regulations could have a material adverse effect on the Company’s business, prospects, results of operations, financial condition and cash flow. The CFPB also has the power to examine consumer lending organizations and has begun an active examination process of payday lenders, including the Company. The CFPB is changing consumer lending practices through the examination process and is likely to continue to effect informal rulemaking through examination and enforcement efforts. The Company is also subject to foreign regulation in Canada where certain provinces have proposed substantive regulation of the consumer loan industry. Company short-term lending branches located in the states of Missouri, California, Kansas and Illinois represented approximately 22%, 14%, 5% and 5% respectively, of total revenues for the nine months ended September 30, 2015. Company short-term lending branches located in the states of Missouri, California, Kansas and Illinois represented approximately 32%, 12%, 8% and 7%, respectively, of total gross profit for the nine months ended September 30, 2015. To the extent that laws and regulations are passed that affect the Company’s ability to offer loans or the manner in which the Company offers its loans in any one of those states, the Company’s financial position, results of operations and cash flows could be adversely affected. In recent years, the Company has experienced several negative effects resulting from law changes that impacted the relative significance of a given state from year to year. For example, historically when customer usage restrictions have been introduced with new legislation, such as in Washington, South Carolina and Kentucky, the Company experienced a 30% to 60% decline in annual revenues in that state and a more significant decline in gross profit for the state, depending on the types of alternative products that competitors offered within the state. There have been efforts in Missouri to place a voter initiative on the statewide ballot in each of the November 2012 and November 2014 elections. The initiative was intended to preclude any lending in the state with an annual rate over 36%. The supporters of the voter initiative did not submit a sufficient number of valid signatures to place the initiative on the ballot in either of the elections.

Segment Information

Segment Information	9 Months Ended
	Sep. 30, 2015
Segment Reporting [Abstract]
Segment Information	Note 15 – Segment Information The Company’s operating business units offer various financial services. The Company has elected to organize and report on its business units as three reportable segments (Branch Lending, Centralized Lending and E-Lending). The Branch Lending segment includes branches that offer single-pay loans, installment loans, credit services, check cashing services, title loans, open-end credit, debit cards, money transfers and money orders. The Centralized Lending segment includes long-term installment loans (Signature Loans and Auto Equity Loans) that are centrally underwritten. The E-Lending segment includes the Internet lending operations in the United States and Canada. The Company evaluates the performance of its segments based on, among other things, gross profit, income from continuing operations before income taxes and return on invested capital. The following tables present summarized financial information for the Company’s segments (in thousands) Three Months Ended September 30, 2015 Branch Centralized Consolidated Lending Lending E-Lending Total Total revenues $ 29,298 $ 3,593 $ 1,588 $ 34,479 Provision for losses 7,585 2,378 562 10,525 Other expenses 15,831 481 879 17,191 Gross profit 5,882 734 147 6,763 Other, net (a) (7,278 ) (442 ) (886 ) (8,606 ) Income (loss) from continuing operations before income taxes $ (1,396 ) $ 292 $ (739 ) $ (1,843 ) Nine Months Ended September 30, 2015 Branch Centralized Consolidated Lending Lending E-Lending Total Total revenues $ 84,439 $ 11,842 $ 4,701 $ 100,982 Provision for losses 19,020 8,774 1,413 29,207 Other expenses 45,492 1,539 2,892 49,923 Gross profit 19,927 1,529 396 21,852 Other, net (a) (19,022 ) (1,882 ) (2,408 ) (23,312 ) Income (loss) from continuing operations before income taxes $ 905 $ (353 ) $ (2,012 ) $ (1,460 ) Three Months Ended September 30, 2014 Branch Centralized Consolidated Lending Lending E-Lending Total Total revenues $ 32,616 $ 4,915 $ 1,847 $ 39,378 Provision for losses 8,965 3,044 556 12,565 Other expenses 16,019 497 923 17,439 Gross profit 7,632 1,374 368 9,374 Other, net (a) (7,273 ) (641 ) (980 ) (8,894 ) Income (loss) from continuing operations before income taxes $ 359 $ 733 $ (612 ) $ 480 Nine Months Ended September 30, 2014 Branch Centralized Consolidated Lending Lending E-Lending Total Total revenues $ 94,120 $ 14,358 $ 5,381 $ 113,859 Provision for losses 20,174 10,845 1,636 32,655 Other expenses 45,550 1,477 3,242 50,269 Gross profit 28,396 2,036 503 30,935 Other, net (a) (20,333 ) (2,029 ) (2,401 ) (24,763 ) Income (loss) from continuing operations before income taxes $ 8,063 $ 7 $ (1,898 ) $ 6,172 (a) Represents expenses not associated with operations, which includes regional expenses, corporate expenses, depreciation and amortization, interest, other income and other expenses. Corporate expenses are allocated to each reporting segment based on each reporting unit’s percentage of revenues. Information concerning total assets by reporting segment is as follows (in thousands) December 31, September 30, 2014 2015 Branch Lending $ 84,009 $ 77,047 Centralized Lending 11,467 6,790 E-Lending 6,023 6,001 Balance, end of period $ 101,499 $ 89,838 The operations of the Branch Lending and Centralized Lending segments are all located in the United States. The operations of the E-Lending segment are located in the United States and Canada.

Other Revenues

Other Revenues	9 Months Ended
	Sep. 30, 2015
Text Block [Abstract]
Other Revenues	Note 16 – Other Revenues The components of “Other” revenues as reported in the Consolidated Statements of Income are as follows (in thousands) Three Months Ended Nine Months Ended September 30, September 30, 2014 2015 2014 2015 Credit services fees $ 1,292 $ 1,094 $ 3,795 $ 3,205 Check cashing fees 597 517 1,977 1,725 Other fees 621 648 1,858 1,879 Total $ 2,510 $ 2,259 $ 7,630 $ 6,809

The Company and Significant A24

The Company and Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2015
Accounting Policies [Abstract]
Business	Business.
Basis of Presentation	Basis of Presentation. The accompanying unaudited consolidated financial statements are prepared consistently with the accounting policies described in Note 2 to the consolidated financial statements included in the Company’s 2014 Form 10-K, which include the following: use of estimates, revenue recognition, cash and cash equivalents, restricted cash and other, loans receivable, provision for losses and allowance for loan losses, operating expenses, property and equipment, assets held for sale, software, advertising costs, goodwill and intangible assets, impairment of long-lived assets, earnings per share, stock-based compensation, income taxes, treasury stock, fair value of financial instruments, derivative instruments and foreign currency translations. In the opinion of management, the accompanying unaudited condensed consolidated financial statements contain all adjustments (consisting only of normal recurring adjustments) necessary to present fairly the consolidated financial position of the Company and its subsidiaries as of September 30, 2015, and the results of operations and comprehensive income for the three and nine months ended September 30, 2014 and 2015 and cash flows for the nine months ended September 30, 2014 and 2015, in conformity with US GAAP.

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2015
Auto Sales Facility [Member]
Fair Value Measurements of Certain Assets on Non-Recurring Basis	The following table presents fair value measurements of certain assets (auto sales facility) on a non-recurring basis as of December 31, 2014 (in thousands) Fair Value Measurements Total Level 1 Level 2 Level 3 Assets held for sale $ — $ — $ 1,176 $ (211 )

Discontinued Operations (Tables

Discontinued Operations (Tables)	9 Months Ended
	Sep. 30, 2015
Discontinued Operations and Disposal Groups [Abstract]
Financial Information for Discontinued Operations	Summarized financial information for discontinued operations during the three and nine months ended September 30, 2014 and 2015 is presented below (in thousands): Three Months Ended Nine Months Ended September 30, September 30, 2014 2015 2014 2015 Total revenues $ 199 $ — $ 1,945 $ — Provision for losses 198 — 74 — Operating expenses 158 — 1,719 — Gross profit (loss) (157 ) — 152 — Other, net (6 ) — 77 — Gain (loss) before income taxes (163 ) — 229 — Income tax benefit (expense) 64 — (86 ) — Gain (loss) from discontinued operations $ (99 ) $ — $ 143 $ —

Consumer Loans, Credit Qualit27

Consumer Loans, Credit Quality Information and Allowance for Loan Losses (Tables)	9 Months Ended
	Sep. 30, 2015
Receivables [Abstract]
Components of Consumer Loan Interest and Fees	The components of consumer loan interest and fees as reported in the Consolidated Statements of Operations are as follows (in thousands) Three Months Ended Nine Months Ended September 30, September 30, 2014 2015 2014 2015 Single-pay loan fees $ 25,567 $ 22,961 $ 74,183 $ 66,151 Installment interest and fees 10,020 7,878 28,494 23,982 Open-end credit fees 1,206 1,317 3,309 3,845 Title loan fees 75 64 243 195 Total $ 36,868 $ 32,220 $ 106,229 $ 94,173
Summary of Loans Receivables	Loans receivable. (in thousands) December 31, September 30, 2014 2015 Current portion: Single-pay loans $ 35,843 $ 32,086 Installment loans 19,228 15,791 Open-end credit loans 4,566 4,104 Other 2,901 4,257 62,538 56,238 Less: Allowance for losses (6,794 ) (6,436 ) Total current portion $ 55,744 $ 49,802
Cash Received from Sale of Single-Pay Loan Receivables	The following table summarizes cash received from the sale of certain single-pay and installment loans receivable (in thousands) Three Months Ended Nine Months Ended September 30, September 30, 2014 2015 2014 2015 Cash received from sale of loans receivable $ 183 $ 317 $ 560 $ 623
Summary of Allowance for Loan Losses	The following table summarizes the activity in the allowance for loan losses during the three and nine months ended September 30, 2014 and 2015 (in thousands) Three Months Ended Nine Months Ended September 30, September 30, 2014 2015 2014 2015 Balance, beginning of period $ 9,684 $ 8,474 $ 10,444 $ 8,927 Charge-offs (21,141 ) (17,119 ) (57,817 ) (49,299 ) Recoveries 7,967 6,925 24,230 20,488 Provision for losses 12,110 9,963 31,763 28,127 Balance, end of period $ 8,620 $ 8,243 $ 8,620 $ 8,243
Summary of Allowance for Loan Losses by Product Type	The following tables summarize the activity in the allowance for loan losses by product type during the three and nine months ended September 30, 2014 and 2015 (in thousands) Three Months Ended September 30, 2015 Open-end Single-pay Installment Credit Loans Loans Loans Other Total Balance, beginning of period $ 1,512 $ 5,190 $ 1,438 $ 334 $ 8,474 Charge-offs (11,685 ) (4,671 ) (644 ) (119 ) (17,119 ) Recoveries 6,230 664 31 6,925 Provision for losses 5,058 3,957 668 280 9,963 Balance, end of period $ 1,115 $ 5,140 $ 1,462 $ 526 $ 8,243 Nine Months Ended September 30, 2015 Open-end Single-pay Installment Credit Loans Loans Loans Other Total Balance, beginning of period $ 1,310 $ 6,080 $ 1,437 $ 100 $ 8,927 Charge-offs (31,318 ) (15,808 ) (1,811 ) (362 ) (49,299 ) Recoveries 18,145 2,191 152 20,488 Provision for losses 12,978 12,677 1,836 636 28,127 Balance, end of period $ 1,115 $ 5,140 $ 1,462 $ 526 $ 8,243 Three Months Ended September 30, 2014 Open-end Single-pay Installment Credit Loans Loans Loans Other Total Balance, beginning of period $ 1,500 $ 6,100 $ 2,044 $ 40 $ 9,684 Charge-offs (13,369 ) (6,170 ) (1,479 ) (123 ) (21,141 ) Recoveries 7,225 716 26 7,967 Provision for losses 5,947 5,254 789 120 12,110 Balance, end of period $ 1,303 $ 5,900 $ 1,354 $ 63 $ 8,620 Nine Months Ended September 30, 2014 Open-end Single-pay Installment Credit Loans Loans Loans Other Total Balance, beginning of period $ 2,873 $ 6,152 $ 1,419 $ — $ 10,444 Charge-offs (37,299 ) (18,051 ) (2,127 ) (340 ) (57,817 ) Recoveries 21,719 2,396 115 24,230 Provision for losses 14,010 15,403 2,062 288 31,763 Balance, end of period $ 1,303 $ 5,900 $ 1,354 $ 63 $ 8,620

Property and Equipment (Tables)

Property and Equipment (Tables)	9 Months Ended
	Sep. 30, 2015
Property, Plant and Equipment [Abstract]
Components of Property and Equipment	Property and equipment consisted of the following (in thousands) December 31, September 30, 2014 2015 Furniture and equipment $ 22,280 $ 22,086 Leasehold improvements 16,644 16,494 Vehicles 865 856 39,789 39,436 Less: Accumulated depreciation and amortization (34,776 ) (35,337 ) Total $ 5,013 $ 4,099

Intangible Assets (Tables)

Intangible Assets (Tables)	9 Months Ended
	Sep. 30, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Summary of Intangible Assets	Intangible Assets. (in thousands) December 31, September 30, 2014 2015 Non-amortized intangible assets: Trade names $ 692 $ 692 Amortized intangible assets: Customer relationships $ 2,603 $ 2,603 Debt issue costs 275 275 Gross carrying amount 2,878 2,878 Less: Accumulated amortization (2,675 ) (2,774 ) Amortized intangible assets 203 104 Effect of foreign currency translation (60 ) (140 ) Total intangible assets, net $ 835 $ 656
Schedule of Amortization of Definite Lived Intangible Assets	The following table summarizes the amortization of definite lived intangible assets for the three and nine months ended September 30, 2014 and 2015 (in thousands) Three Months Ended Nine Months Ended September 30, September 30, 2014 2015 2014 2015 Customer relationships $ 201 $ — $ 605 $ — Debt issue costs 121 32 315 99 Total $ 322 $ 32 $ 920 $ 99
Summary of Estimated Annual Amortization for Intangible Assets	The following table summarizes the estimated annual interest expense for debt issue costs recorded as of September 30, 2015 (in thousands) September 30, 2015 Remainder of 2015 $ 31 2016 73 Total $ 104

Indebtedness (Tables)

Indebtedness (Tables)	9 Months Ended
	Sep. 30, 2015
Debt Disclosure [Abstract]
Summary of Long-Term Debt	The following table summarizes long-term debt at December 31, 2014 and September 30, 2015 (in thousands) December 31, September 30, 2014 2015 Revolving credit facility $ 12,000 $ 3,000 Senior subordinated notes 3,415 3,518 Total debt 15,415 6,518 Less current portion of debt (12,000 ) (6,518 ) Long-term debt $ 3,415 $ —

Credit Services Organization 31

Credit Services Organization (CSO) (Tables)	9 Months Ended
	Sep. 30, 2015
Text Block [Abstract]
Summary of Activity in Liability for CSO Loan Losses	The following table summarizes the activity in the CSO liability (in thousands) Three Months Ended Nine Months Ended September 30, September 30, 2014 2015 2014 2015 Balance, beginning of period $ 284 $ 230 $ 985 $ 380 Charge-offs (752 ) (641 ) (2,061 ) (1,571 ) Recoveries 145 109 440 371 Provision for losses 653 562 966 1,080 Balance, end of period $ 330 $ 260 $ 330 $ 260

Stockholders Equity (Tables)

Stockholders Equity (Tables)	9 Months Ended
	Sep. 30, 2015
Equity [Abstract]
Computations of Basic and Diluted Earnings Per Share	The following table presents the computations of basic and diluted earnings per share for each of the periods indicated (in thousands, except per share data) Three Months Ended Nine Months Ended September 30, September 30, 2014 2015 2014 2015 Income (loss) available to common stockholders: Income (loss) from continuing operations $ 325 $ (1,493 ) $ 3,722 $ (1,388 ) Discontinued operations, net of income tax (99 ) 143 Net income (loss) $ 226 $ (1,493 ) $ 3,865 $ (1,388 ) Weighted average shares outstanding: Weighted average basic common shares outstanding 17,511 17,333 17,486 17,360 Dilutive effect of stock options and unvested restricted stock 57 6 Weighted average diluted common shares outstanding 17,568 17,333 17,492 17,360 Basic earnings (loss) per share: Continuing operations $ 0.02 $ (0.09 ) $ 0.21 $ (0.08 ) Discontinued operations (0.01 ) 0.01 Net income (loss) $ 0.01 $ (0.09 ) $ 0.22 $ (0.08 ) Diluted earnings (loss) per share: Continuing operations $ 0.02 $ (0.09 ) $ 0.21 $ (0.08 ) Discontinued operations (0.01 ) 0.01 Net income (loss) $ 0.01 $ (0.09 ) $ 0.22 $ (0.08 )

Stock-Based Compensation and 33

Stock-Based Compensation and Other Long-Term Incentive Compensation (Tables)	9 Months Ended
	Sep. 30, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Summary of Stock-Based Compensation Expense for Restricted Stock Awards Reported in Net Income	The following table summarizes the stock-based compensation expense for restricted stock awards reported in net income ( in thousands) Three Months Ended Nine Months Ended September 30, September 30, 2014 2015 2014 2015 Employees $ 120 $ — $ 405 $ 44 Non-employee directors 52 Total $ 120 $ — $ 457 $ 44
Summary of Compensation Expense (Income) Reported in Net Income from Performance Units and RSU's	The following table summarizes expense (income) reported in net income from Performance Units and RSU’s ( in thousands) Three Months Ended Nine Months Ended September 30, September 30, 2014 2015 2014 2015 Performance Units $ (142 ) $ (52 ) $ (36 ) $ (84 ) RSU’s 106 4 238 93 Total $ (36 ) $ (48 ) $ 202 $ 9
Summary of Liability Associated with Performance Units and RSU's	The following table summarizes the liability associated with Performance Units and RSU’s (in thousands) December 31, September 30, 2014 2015 Performance Units $ 83 $ — RSU’s 272 201 Total $ 355 $ 201

Segment Information (Tables)

Segment Information (Tables)	9 Months Ended
	Sep. 30, 2015
Segment Reporting [Abstract]
Summarized Financial Information for Company's Segments	The following tables present summarized financial information for the Company’s segments (in thousands) Three Months Ended September 30, 2015 Branch Centralized Consolidated Lending Lending E-Lending Total Total revenues $ 29,298 $ 3,593 $ 1,588 $ 34,479 Provision for losses 7,585 2,378 562 10,525 Other expenses 15,831 481 879 17,191 Gross profit 5,882 734 147 6,763 Other, net (a) (7,278 ) (442 ) (886 ) (8,606 ) Income (loss) from continuing operations before income taxes $ (1,396 ) $ 292 $ (739 ) $ (1,843 ) Nine Months Ended September 30, 2015 Branch Centralized Consolidated Lending Lending E-Lending Total Total revenues $ 84,439 $ 11,842 $ 4,701 $ 100,982 Provision for losses 19,020 8,774 1,413 29,207 Other expenses 45,492 1,539 2,892 49,923 Gross profit 19,927 1,529 396 21,852 Other, net (a) (19,022 ) (1,882 ) (2,408 ) (23,312 ) Income (loss) from continuing operations before income taxes $ 905 $ (353 ) $ (2,012 ) $ (1,460 ) Three Months Ended September 30, 2014 Branch Centralized Consolidated Lending Lending E-Lending Total Total revenues $ 32,616 $ 4,915 $ 1,847 $ 39,378 Provision for losses 8,965 3,044 556 12,565 Other expenses 16,019 497 923 17,439 Gross profit 7,632 1,374 368 9,374 Other, net (a) (7,273 ) (641 ) (980 ) (8,894 ) Income (loss) from continuing operations before income taxes $ 359 $ 733 $ (612 ) $ 480 Nine Months Ended September 30, 2014 Branch Centralized Consolidated Lending Lending E-Lending Total Total revenues $ 94,120 $ 14,358 $ 5,381 $ 113,859 Provision for losses 20,174 10,845 1,636 32,655 Other expenses 45,550 1,477 3,242 50,269 Gross profit 28,396 2,036 503 30,935 Other, net (a) (20,333 ) (2,029 ) (2,401 ) (24,763 ) Income (loss) from continuing operations before income taxes $ 8,063 $ 7 $ (1,898 ) $ 6,172 (a) Represents expenses not associated with operations, which includes regional expenses, corporate expenses, depreciation and amortization, interest, other income and other expenses. Corporate expenses are allocated to each reporting segment based on each reporting unit’s percentage of revenues.
Information Concerning Total Assets by Reporting Segment	Information concerning total assets by reporting segment is as follows (in thousands) December 31, September 30, 2014 2015 Branch Lending $ 84,009 $ 77,047 Centralized Lending 11,467 6,790 E-Lending 6,023 6,001 Balance, end of period $ 101,499 $ 89,838

Other Revenues (Tables)

Other Revenues (Tables)	9 Months Ended
	Sep. 30, 2015
Text Block [Abstract]
Components of Other Revenues	The components of “Other” revenues as reported in the Consolidated Statements of Income are as follows (in thousands) Three Months Ended Nine Months Ended September 30, September 30, 2014 2015 2014 2015 Credit services fees $ 1,292 $ 1,094 $ 3,795 $ 3,205 Check cashing fees 597 517 1,977 1,725 Other fees 621 648 1,858 1,879 Total $ 2,510 $ 2,259 $ 7,630 $ 6,809

The Company and Significant A36

The Company and Significant Accounting Policies - Additional Information (Detail)	Sep. 30, 2015Branch
Accounting Policies [Abstract]
Number of branches operated	396

Fair Value Measurements - Addit

Fair Value Measurements - Additional Information (Detail) - USD ($)	1 Months Ended	3 Months Ended
	Feb. 28, 2015	Sep. 30, 2014	Sep. 30, 2015	Dec. 31, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Recurring fair value measurement asset			$ 0	$ 0
Recurring fair value measurement liability			$ 0	$ 0
Proceeds from sale of auto facility	$ 1,200,000
Auto Sales Facility [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impairment charges		$ 211,000
Net book value of property sold	$ 1,200,000

Fair Value Measurements - Fair

Fair Value Measurements - Fair Value Measurements of Certain Assets on Non-Recurring Basis (Detail) - Auto Sales Facility [Member] $ in Thousands	12 Months Ended
	Dec. 31, 2014USD ($)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total losses	$ (211)
Fair Value, Measurements, Nonrecurring [Member] | Fair Value Measurements, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets held for sale	$ 1,176

Discontinued Operations - Finan

Discontinued Operations - Financial Information for Discontinued Operations (Detail) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2014	Sep. 30, 2014
Discontinued Operation, Income (Loss) from Discontinued Operation Disclosures [Abstract]
Total revenues	$ 199	$ 1,945
Provision for losses	198	74
Operating expenses	158	1,719
Gross profit (loss)	(157)	152
Other, net	(6)	77
Gain (loss) before income taxes	(163)	229
Income tax benefit (expense)	64	(86)
Gain (loss) from discontinued operations	$ (99)	$ 143

Discontinued Operations - Addit

Discontinued Operations - Additional Information (Detail)	12 Months Ended
	Dec. 31, 2014Branch
Discontinued Operations and Disposal Groups [Abstract]
Number of branches closed	23

Consumer Loans, Credit Qualit41

Consumer Loans, Credit Quality Information and Allowance for Loan Losses - Components of Revenues (Detail) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Financing Receivable, Recorded Investment [Line Items]
Consumer loan interest and fees	$ 32,220	$ 36,868	$ 94,173	$ 106,229
Single-Pay Loan Fees [Member]
Financing Receivable, Recorded Investment [Line Items]
Consumer loan interest and fees	22,961	25,567	66,151	74,183
Installment Interest and Fees [Member]
Financing Receivable, Recorded Investment [Line Items]
Consumer loan interest and fees	7,878	10,020	23,982	28,494
Open-End Credit Fees [Member]
Financing Receivable, Recorded Investment [Line Items]
Consumer loan interest and fees	1,317	1,206	3,845	3,309
Title Loan Fees [Member]
Financing Receivable, Recorded Investment [Line Items]
Consumer loan interest and fees	$ 64	$ 75	$ 195	$ 243

Consumer Loans, Credit Qualit42

Consumer Loans, Credit Quality Information and Allowance for Loan Losses - Summary of Loans Receivables (Detail) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Current portion:
Gross current portion of customer receivables	$ 56,238	$ 62,538
Less: Allowance for losses	(6,436)	(6,794)
Total current portion	49,802	55,744
Single-Pay Loans [Member]
Current portion:
Gross current portion of customer receivables	32,086	35,843
Installment Loans [Member]
Current portion:
Gross current portion of customer receivables	15,791	19,228
Open-End Credit Loans [Member]
Current portion:
Gross current portion of customer receivables	4,104	4,566
Other [Member]
Current portion:
Gross current portion of customer receivables	$ 4,257	$ 2,901

Consumer Loans, Credit Qualit43

Consumer Loans, Credit Quality Information and Allowance for Loan Losses - Cash Received from Sale of Single-Pay Loan Receivables (Detail) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Receivables [Abstract]
Cash received from sale of loans receivable	$ 317	$ 183	$ 623	$ 560

Consumer Loans, Credit Qualit44

Consumer Loans, Credit Quality Information and Allowance for Loan Losses - Additional Information (Detail) - Installment Loans [Member] - USD ($) $ in Millions	Sep. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	$ 6.8	$ 9.7
Approximate percentage due	44.40%	45.70%

Consumer Loans, Credit Qualit45

Consumer Loans, Credit Quality Information and Allowance for Loan Losses - Summary of Allowance for Loan Losses (Detail) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Receivables [Abstract]
Balance, beginning of period	$ 8,474	$ 9,684	$ 8,927	$ 10,444
Charge-offs	(17,119)	(21,141)	(49,299)	(57,817)
Recoveries	6,925	7,967	20,488	24,230
Provision for losses	9,963	12,110	28,127	31,763
Balance, end of period	$ 8,243	$ 8,620	$ 8,243	$ 8,620

Consumer Loans, Credit Qualit46

Consumer Loans, Credit Quality Information and Allowance for Loan Losses - Summary of Allowance for Loan Losses by Product Type (Detail) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Financing Receivable, Recorded Investment [Line Items]
Balance, beginning of period	$ 8,474	$ 9,684	$ 8,927	$ 10,444
Charge-offs	(17,119)	(21,141)	(49,299)	(57,817)
Recoveries	6,925	7,967	20,488	24,230
Provision for losses	9,963	12,110	28,127	31,763
Balance, end of period	8,243	8,620	8,243	8,620
Single-Pay Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Balance, beginning of period	1,512	1,500	1,310	2,873
Charge-offs	(11,685)	(13,369)	(31,318)	(37,299)
Recoveries	6,230	7,225	18,145	21,719
Provision for losses	5,058	5,947	12,978	14,010
Balance, end of period	1,115	1,303	1,115	1,303
Installment Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Balance, beginning of period	5,190	6,100	6,080	6,152
Charge-offs	(4,671)	(6,170)	(15,808)	(18,051)
Recoveries	664	716	2,191	2,396
Provision for losses	3,957	5,254	12,677	15,403
Balance, end of period	5,140	5,900	5,140	5,900
Open-End Credit Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Balance, beginning of period	1,438	2,044	1,437	1,419
Charge-offs	(644)	(1,479)	(1,811)	(2,127)
Provision for losses	668	789	1,836	2,062
Balance, end of period	1,462	1,354	1,462	1,354
Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Balance, beginning of period	334	40	100
Charge-offs	(119)	(123)	(362)	(340)
Recoveries	31	26	152	115
Provision for losses	280	120	636	288
Balance, end of period	$ 526	$ 63	$ 526	$ 63

Property and Equipment - Compon

Property and Equipment - Components of Property and Equipment (Detail) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Property, Plant and Equipment [Line Items]
Property, plant and equipment, gross	$ 39,436	$ 39,789
Less: Accumulated depreciation and amortization	(35,337)	(34,776)
Total	4,099	5,013
Furniture and Equipment [Member]
Property, Plant and Equipment [Line Items]
Property, plant and equipment, gross	22,086	22,280
Leasehold Improvements [Member]
Property, Plant and Equipment [Line Items]
Property, plant and equipment, gross	16,494	16,644
Vehicles [Member]
Property, Plant and Equipment [Line Items]
Property, plant and equipment, gross	$ 856	$ 865

Property and Equipment - Additi

Property and Equipment - Additional Information (Detail) - USD ($)	9 Months Ended
	Sep. 30, 2015	Dec. 31, 2014
Property Plant and Equipment Useful Life and Values [Abstract]
Lease agreement	7 years
Renewal option	5 years
Lease extension date	Through October 31, 2017
Leasehold improvements	$ 1,400,000
Deferred liability	116,000	$ 158,000
Deferred liability, non-current	$ 60,000	$ 102,000

Intangible Assets - Summary of

Intangible Assets - Summary of Intangible Assets (Detail) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2015	Dec. 31, 2014
Non-amortized intangible assets:
Trade names	$ 692	$ 692
Amortized intangible assets:
Finite-lived intangible assets, Gross	2,878	2,878
Less: Accumulated amortization	(2,774)	(2,675)
Amortized intangible assets	104	203
Effect of foreign currency translation	(140)	(60)
Total intangible assets, net	656	835
Customer Relationships [Member]
Amortized intangible assets:
Finite-lived intangible assets, Gross	2,603	2,603
Debt Issue Costs [Member]
Amortized intangible assets:
Finite-lived intangible assets, Gross	$ 275	$ 275

Intangible Assets - Schedule of

Intangible Assets - Schedule of Amortization of Definite Lived Intangible Assets (Detail) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Finite-Lived Intangible Assets [Line Items]
Amortization of definite lived intangible assets	$ 32	$ 322	$ 99	$ 920
Customer Relationships [Member]
Finite-Lived Intangible Assets [Line Items]
Amortization of definite lived intangible assets		201		605
Debt Issue Costs [Member]
Finite-Lived Intangible Assets [Line Items]
Amortization of definite lived intangible assets	$ 32	$ 121	$ 99	$ 315

Intangible Assets - Summary o51

Intangible Assets - Summary of Estimated Annual Amortization for Intangible Assets (Detail) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Goodwill and Intangible Assets Disclosure [Abstract]
Remainder of 2015	$ 31
2,016	73
Amortized intangible assets	$ 104	$ 203

Indebtedness - Summary of Long-

Indebtedness - Summary of Long-Term Debt (Detail) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Debt Instrument [Line Items]
Long term debt	$ 6,518	$ 15,415
Less current portion of debt	(6,518)	(12,000)
Long-term debt		3,415
Senior Subordinated Notes [Member]
Debt Instrument [Line Items]
Long term debt	3,518	3,415
Revolving Credit Facility [Member]
Debt Instrument [Line Items]
Long term debt	$ 3,000	$ 12,000

Indebtedness - Additional Infor

Indebtedness - Additional Information (Detail) - Revolving Credit Facility [Member] - USD ($)	9 Months Ended
	Sep. 30, 2015	Oct. 31, 2015	Oct. 30, 2015	Jul. 23, 2014	Jul. 22, 2014
Line of Credit Facility [Line Items]
Maximum amount available under the revolving credit facility				$ 20,000,000	$ 16,000,000
Current Credit Agreement maturity date	Jul. 23, 2016
Subsequent Event [Member]
Line of Credit Facility [Line Items]
Maximum amount available under the revolving credit facility		$ 9,000,000	$ 20,000,000

Income Taxes - Additional Infor

Income Taxes - Additional Information (Detail) - USD ($)	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Income Tax Disclosure [Abstract]
Effective tax rate	4.90%	39.70%
Unrecognized tax benefits	$ 113,000		$ 177,000

Credit Services Organization -

Credit Services Organization - Additional Information (Detail) - USD ($)	Sep. 30, 2015	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans outstanding	$ 1,200,000	$ 1,500,000
Credit Service Organization Accrued Liability [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Accrued expenses and other current liabilities	$ 260,000	$ 380,000

Credit Services Organization 56

Credit Services Organization - Summary of Activity in Liability for CSO Loan Losses (Detail) - Credit Services Organization [Member] - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, beginning of period	$ 230	$ 284	$ 380	$ 985
Charge-offs	(641)	(752)	(1,571)	(2,061)
Recoveries	109	145	371	440
Provision for losses	562	653	1,080	966
Balance, end of period	$ 260	$ 330	$ 260	$ 330

Stockholders Equity - Computati

Stockholders Equity - Computations of Basic and Diluted Earnings Per Share (Detail) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Income available to common stockholders:
Income (loss) available to common stockholders:	$ (1,493)	$ 325	$ (1,388)	$ 3,722
Discontinued operations, net of income tax		(99)		143
Net income (loss)	$ (1,493)	$ 226	$ (1,388)	$ 3,865
Weighted average shares outstanding:
Weighted average basic common shares outstanding	17,333	17,511	17,360	17,486
Dilutive effect of stock options and unvested restricted stock		57		6
Weighted average diluted common shares outstanding	17,333	17,568	17,360	17,492
Basic earnings (loss) per share:
Continuing operations	$ (0.09)	$ 0.02	$ (0.08)	$ 0.21
Discontinued operations		(0.01)		0.01
Net income (loss)	(0.09)	0.01	(0.08)	0.22
Diluted earnings (loss) per share:
Continuing operations	(0.09)	0.02	(0.08)	0.21
Discontinued operations		(0.01)		0.01
Net income (loss)	$ (0.09)	$ 0.01	$ (0.08)	$ 0.22

Stockholders Equity - Additiona

Stockholders Equity - Additional Information (Detail) - USD ($)	1 Months Ended		3 Months Ended		9 Months Ended
	Feb. 28, 2015	Nov. 30, 2008	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Stockholders Equity [Line Items]
Maximum repurchase of common stock			$ 60,000,000		$ 60,000,000
Stock repurchased					55,647
Stock repurchased, value					$ 108,000
Remaining stock repurchase			$ 3,400,000		3,400,000
Stock repurchased, value					$ 181,000
Cash dividend per common share		$ 0.05
Restricted Stock [Member]
Stockholders Equity [Line Items]
Options to purchase shares of common stock excluded from the diluted earnings per share			1,400,000	2,200,000	1,400,000	2,200,000
Stock repurchased	43,000
Stock repurchased, value	$ 73,000

Stock-Based Compensation and 59

Stock-Based Compensation and Other Long-Term Incentive Compensation - Additional Information (Detail) - USD ($)	3 Months Ended	9 Months Ended
	Mar. 31, 2015	Sep. 30, 2015	Dec. 31, 2014
Option Indexed to Issuer's Equity [Line Items]
Payment made by company under LTIP	$ 163,000
Performance Units [Member]
Option Indexed to Issuer's Equity [Line Items]
Total unrecognized compensation costs		$ 215,000
Weighted average period of amortization of unrecognized compensation costs		1 year 9 months 18 days
Performance Units [Member] | Other Long Term Incentive Plan [Member]
Option Indexed to Issuer's Equity [Line Items]
Performance units as a percentage of target value		75.00%
RSU's [Member]
Option Indexed to Issuer's Equity [Line Items]
Total unrecognized compensation costs		$ 215,000
Weighted average period of amortization of unrecognized compensation costs		1 year 9 months 18 days
RSU's [Member] | Other Long Term Incentive Plan [Member]
Option Indexed to Issuer's Equity [Line Items]
Restricted stock units as a percentage of target value		25.00%
Restricted Stock [Member]
Option Indexed to Issuer's Equity [Line Items]
Number of non-vested restricted stock			116,825
Stock Options [Member]
Option Indexed to Issuer's Equity [Line Items]
Stock option granted		0
Stock option outstanding		1,400,000
Weighted average exercise price of stock option exercisable		$ 7.90

Stock-Based Compensation and 60

Stock-Based Compensation and Other Long-Term Incentive Compensation - Summary of Stock-Based Compensation Expense for Restricted Stock Awards Reported in Net Income (Detail) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Share-based Compensation Arrangement by Share-based Payment Award, Compensation Cost [Line Items]
Total stock-based compensation		$ 44	$ 457
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Compensation Cost [Line Items]
Total stock-based compensation	$ 120	44	457
Restricted Stock [Member] | Employees [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Compensation Cost [Line Items]
Total stock-based compensation	$ 120	$ 44	405
Restricted Stock [Member] | Non-Employee Directors [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Compensation Cost [Line Items]
Total stock-based compensation			$ 52

Stock-Based Compensation and 61

Stock-Based Compensation and Other Long-Term Incentive Compensation - Summary of Compensation Expense (Income) Reported in Net Income from Performance Units and RSU's (Detail) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Share-based Compensation Arrangement by Share-based Payment Award, Compensation Cost [Line Items]
Compensation expense	$ (48)	$ (36)	$ 9	$ 202
Performance Units [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Compensation Cost [Line Items]
Compensation expense	(52)	(142)	(84)	(36)
RSU's [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Compensation Cost [Line Items]
Compensation expense	$ 4	$ 106	$ 93	$ 238

Stock-Based Compensation and 62

Stock-Based Compensation and Other Long-Term Incentive Compensation - Summary of Liability Associated with Performance Units and RSU's (Detail) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Schedule Of Noncurrent Liabilities [Line Items]
Balance of noncurrent liability	$ 201	$ 355
Performance Units [Member]
Schedule Of Noncurrent Liabilities [Line Items]
Balance of noncurrent liability		83
RSU's [Member]
Schedule Of Noncurrent Liabilities [Line Items]
Balance of noncurrent liability	$ 201	$ 272

Commitments and Contingencies -

Commitments and Contingencies - Additional Information (Detail)	Oct. 18, 2011Directors	Oct. 31, 2015USD ($)	Sep. 30, 2015USD ($)	Sep. 30, 2015CAD
Commitments And Contingencies [Line Items]
Proposed settlement amount and ancillary expenses			$ 500,000	CAD 500,000
Tentative settlement accrual amount			$ 1,500,000
Subsequent Event [Member]
Commitments And Contingencies [Line Items]
Tentative settlement Amount		$ 1,500,000
Canada [Member]
Commitments And Contingencies [Line Items]
Number of former directors sued | Directors	3
Maximum percentage of interest rate as compared to usury laws	60.00%

Regulatory Environment and Ce64

Regulatory Environment and Certain Concentrations of Risk - Additional Information (Detail)	9 Months Ended
	Sep. 30, 2015StateOption
Revenues from External Customers and Long-Lived Assets [Line Items]
Number of states in which entity operates | State	22
Notice days to consumers	3 days
Minimum rate at which annual revenues declined	30.00%
Maximum rate at which annual revenues declined	60.00%
Ballot initiative effort is intended to preclude any lending	36.00%
Missouri [Member]
Revenues from External Customers and Long-Lived Assets [Line Items]
Revenue from various states of the company	22.00%
Gross profit from various states of the company	32.00%
California [Member]
Revenues from External Customers and Long-Lived Assets [Line Items]
Revenue from various states of the company	14.00%
Gross profit from various states of the company	12.00%
Kansas [Member]
Revenues from External Customers and Long-Lived Assets [Line Items]
Revenue from various states of the company	5.00%
Gross profit from various states of the company	8.00%
Illinois [Member]
Revenues from External Customers and Long-Lived Assets [Line Items]
Revenue from various states of the company	5.00%
Gross profit from various states of the company	7.00%
Short Term Covered Loan [Member]
Revenues from External Customers and Long-Lived Assets [Line Items]
Number of credit options	2
Short Term Covered Loan [Member] | Maximum [Member]
Revenues from External Customers and Long-Lived Assets [Line Items]
Loans, maturity period	45 days
Long Term Covered Loan [Member]
Revenues from External Customers and Long-Lived Assets [Line Items]
Number of credit options	2
Long Term Covered Loan [Member] | Minimum [Member]
Revenues from External Customers and Long-Lived Assets [Line Items]
Loans, maturity period	45 days
Consumer Internet Lending [Member]
Revenues from External Customers and Long-Lived Assets [Line Items]
Number of states in which entity operates | State	2

Segment Information - Additiona

Segment Information - Additional Information (Detail)	9 Months Ended
	Sep. 30, 2015Segment
Segment Reporting [Abstract]
Number of reportable segments	3

Segment Information - Summarize

Segment Information - Summarized Financial Information for Company's Segments (Detail) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Segment Reporting Information [Line Items]
Total revenues	$ 34,479	$ 39,378	$ 100,982	$ 113,859
Provision for losses	10,525	12,565	29,207	32,655
Other expenses	17,191	17,439	49,923	50,269
Gross profit (loss)	6,763	9,374	21,852	30,935
Other, net	(8,606)	(8,894)	(23,312)	(24,763)
Income (loss) from continuing operations before income taxes	(1,843)	480	(1,460)	6,172
Branch Lending [Member]
Segment Reporting Information [Line Items]
Total revenues	29,298	32,616	84,439	94,120
Provision for losses	7,585	8,965	19,020	20,174
Other expenses	15,831	16,019	45,492	45,550
Gross profit (loss)	5,882	7,632	19,927	28,396
Other, net	(7,278)	(7,273)	(19,022)	(20,333)
Income (loss) from continuing operations before income taxes	(1,396)	359	905	8,063
Centralized Lending [Member]
Segment Reporting Information [Line Items]
Total revenues	3,593	4,915	11,842	14,358
Provision for losses	2,378	3,044	8,774	10,845
Other expenses	481	497	1,539	1,477
Gross profit (loss)	734	1,374	1,529	2,036
Other, net	(442)	(641)	(1,882)	(2,029)
Income (loss) from continuing operations before income taxes	292	733	(353)	7
E-Lending [Member]
Segment Reporting Information [Line Items]
Total revenues	1,588	1,847	4,701	5,381
Provision for losses	562	556	1,413	1,636
Other expenses	879	923	2,892	3,242
Gross profit (loss)	147	368	396	503
Other, net	(886)	(980)	(2,408)	(2,401)
Income (loss) from continuing operations before income taxes	$ (739)	$ (612)	$ (2,012)	$ (1,898)

Segment Information - Informati

Segment Information - Information Concerning Total Assets by Reporting Segment (Detail) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Segment Reporting Information [Line Items]
Balance, end of period	$ 89,838	$ 101,499
Branch Lending [Member]
Segment Reporting Information [Line Items]
Balance, end of period	77,047	84,009
Centralized Lending [Member]
Segment Reporting Information [Line Items]
Balance, end of period	6,790	11,467
E-Lending [Member]
Segment Reporting Information [Line Items]
Balance, end of period	$ 6,001	$ 6,023

Other Revenues - Components of

Other Revenues - Components of Other Revenues (Detail) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Schedule Of Components Of Other Revenues [Line Items]
Other	$ 2,259	$ 2,510	$ 6,809	$ 7,630
Credit Services Fees [Member]
Schedule Of Components Of Other Revenues [Line Items]
Other	1,094	1,292	3,205	3,795
Check Cashing Fees [Member]
Schedule Of Components Of Other Revenues [Line Items]
Other	517	597	1,725	1,977
Other Fees [Member]
Schedule Of Components Of Other Revenues [Line Items]
Other	$ 648	$ 621	$ 1,879	$ 1,858