Regional Management (RM) 10-K 23 Feb 16 2015 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2015	Feb. 18, 2016	Jun. 30, 2015
Document And Entity Information [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	FY
Trading Symbol	RM
Entity Registrant Name	Regional Management Corp.
Entity Central Index Key	1,519,401
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		12,841,729
Entity Public Float			$ 207,885,471

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Assets
Cash (includes VIE balances of $376 in 2015)	$ 7,654	$ 4,012
Gross finance receivables	785,042	663,432
Less unearned finance charges, insurance premiums, and commissions	(156,598)	(117,240)
Finance receivables	628,444	546,192
Allowance for credit losses (includes VIE balances of $(2,588) in 2015)	(37,452)	(40,511)
Net finance receivables	590,992	505,681
Restricted cash (includes VIE balances of $7,605 in 2015)	10,506	1,901
Property and equipment, net of accumulated depreciation	10,441	8,905
Deferred tax asset, net	1,982	1,870
Goodwill	716	716
Intangible assets, net	473	847
Repossessed assets at net realizable value (includes VIE balances of $36 in 2015)	307	556
Other assets (includes VIE balances of $1,670 in 2015)	5,994	5,782
Total assets	629,065	530,270
Liabilities:
Long-term debt (includes VIE balances of $72,896 in 2015)	411,177	341,419
Accounts payable and accrued expenses (includes VIE balances of $50 in 2015)	12,661	10,528
Total liabilities	$ 423,838	$ 351,947
Commitments and Contingencies
Stockholders' equity:
Preferred stock, $0.10 par value, 100,000 shares authorized, no shares issued or outstanding
Common stock, $0.10 par value, 1,000,000 shares authorized, 12,914 and 12,748 shares issued and outstanding at December 31, 2015 and 2014, respectively	$ 1,291	$ 1,275
Additional paid-in-capital	89,178	85,655
Retained earnings	114,758	91,393
Total stockholders' equity	205,227	178,323
Total liabilities and stockholders' equity	$ 629,065	$ 530,270

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Cash	$ 7,654	$ 4,012
Finance receivables	628,444	546,192
Allowance for credit losses	37,452	40,511
Restricted cash	10,506	1,901
Repossessed assets at net realizable value	307	556
Other assets	5,994	5,782
Long-term debt	411,177	341,419
Accounts payable and accrued expenses	$ 12,661	$ 10,528
Preferred stock, par value	$ 0.10	$ 0.10
Preferred stock, shares authorized	100,000,000	100,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value	$ 0.10	$ 0.10
Common stock, shares authorized	1,000,000,000	1,000,000,000
Common stock, shares issued	12,914,000	12,748,000
Common stock, shares outstanding	12,914,000	12,748,000
Variable Interest Entity, Primary Beneficiary [Member]
Cash	$ 376
Finance receivables	80,309
Allowance for credit losses	2,588
Restricted cash	7,605
Repossessed assets at net realizable value	36
Other assets	1,670
Long-term debt	72,896
Accounts payable and accrued expenses	$ 50

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Revenue
Interest and fee income	$ 195,794	$ 184,797	$ 152,343
Insurance income, net	11,654	10,673	11,470
Other income	9,858	9,249	6,816
Total revenue	217,306	204,719	170,629
Expenses
Provision for credit losses	47,348	69,057	39,192
Personnel	69,247	55,383	39,868
Occupancy	17,775	15,575	11,748
Marketing	7,017	6,330	3,980
Other	21,559	19,488	15,443
Total general and administrative expenses	115,598	96,776	71,039
Interest expense	16,221	14,947	14,144
Income before income taxes	38,139	23,939	46,254
Income taxes	14,774	9,137	17,460
Net income	$ 23,365	$ 14,802	$ 28,794
Net income per common share:
Basic	$ 1.82	$ 1.17	$ 2.29
Diluted	$ 1.79	$ 1.14	$ 2.23
Weighted-average common shares outstanding:
Basic	12,849	12,701	12,572
Diluted	13,074	12,951	12,894

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($) shares in Thousands, $ in Thousands	Total	Common Stock [Member]	Additional Paid-in-Capital [Member]	Retained Earnings [Member]
Beginning Balance at Dec. 31, 2012	$ 129,204	$ 1,249	$ 80,158	$ 47,797
Beginning Balance, shares at Dec. 31, 2012		12,487
Issuance of stock awards		$ 2	(2)
Issuance of stock awards, shares		25
Proceeds from exercise of stock options	873	$ 14	859
Proceeds from exercise of stock options, shares		140
Excess tax benefit from exercise of stock options	731		731
Share-based compensation	1,571		1,571
Net income	28,794			28,794
Ending Balance at Dec. 31, 2013	161,173	$ 1,265	83,317	76,591
Ending Balance, shares at Dec. 31, 2013		12,652
Issuance of restricted stock awards		$ 7	(7)
Issuance of restricted stock awards, shares		73
Proceeds from exercise of stock options	123	$ 5	118
Proceeds from exercise of stock options, shares		46
Excess tax benefit from exercise of stock options	161		161
Shares withheld related to net share settlement	(196)	$ (2)	(194)
Shares withheld related to net share settlement, shares		(23)
Share-based compensation	2,260		2,260
Net income	14,802			14,802
Ending Balance at Dec. 31, 2014	178,323	$ 1,275	85,655	91,393
Ending Balance, shares at Dec. 31, 2014		12,748
Issuance of restricted stock awards, net of forfeiture		$ 11	(11)
Issuance of restricted stock awards, shares		108
Proceeds from exercise of stock options	$ 14	$ 14
Proceeds from exercise of stock options, shares	145	145
Excess tax benefit from exercise of stock options	$ 378		378
Shares withheld related to net share settlement	(543)	$ (9)	(534)
Shares withheld related to net share settlement, shares		(87)
Share-based compensation	3,690		3,690
Net income	23,365			23,365
Ending Balance at Dec. 31, 2015	$ 205,227	$ 1,291	$ 89,178	$ 114,758
Ending Balance, shares at Dec. 31, 2015		12,914

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Cash flows from operating activities:
Net income	$ 23,365	$ 14,802	$ 28,794
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	47,348	69,057	39,192
Depreciation and amortization	3,774	3,790	3,459
Loss on disposal of property and equipment	343	21	11
Accretion of discounts on purchased receivables	(27)	(85)	(434)
Share-based compensation	3,638	2,312	1,571
Fair value adjustment on interest rate caps	457		1
Deferred income taxes, net	(122)	(4,523)	(3,294)
Changes in operating assets and liabilities:
(Increase) decrease in other assets	1,338	(2,687)	2,977
Increase in other liabilities	2,329	2,966	324
Net cash provided by operating activities	82,443	85,653	72,601
Cash flows from investing activities:
Net origination of finance receivables	(132,632)	(59,962)	(137,031)
Increase in restricted cash	(8,605)		(562)
Purchase of property and equipment	(4,790)	(4,463)	(4,163)
Payment for business combination, net of cash		(128)	(575)
Purchase of finance receivables			(357)
Net cash used in investing activities	(146,027)	(64,553)	(142,688)
Cash flows from financing activities:
Net proceeds from amortizing loan	72,896
Net advances (payments) on senior revolving credit facility	(3,138)	(21,331)	70,371
Payments for debt issuance costs	(2,237)	(164)	(1,065)
Taxes paid related to net share settlement of equity awards	(721)
Excess tax benefits from exercise of stock options	426	167	731
Proceeds from exercise of stock options		119	873
Net cash provided by (used in) financing activities	67,226	(21,209)	70,910
Net change in cash	3,642	(109)	823
Cash at beginning of period	4,012	4,121	3,298
Cash at end of period	7,654	4,012	4,121
Supplemental cash flow information
Interest paid	15,385	14,367	13,468
Income taxes paid	$ 12,449	$ 15,237	$ 16,205

Nature of Business and Signific

Nature of Business and Significant Accounting Policies	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
Nature of Business and Significant Accounting Policies	Note 1. Nature of Business and Significant Accounting Policies Nature of business: Company The Company’s loan volume and the contractual delinquency of the Company’s finance receivable portfolio follow seasonal trends. Demand for the Company’s loans is typically highest during the third and fourth quarters, which the Company believes is largely due to customers borrowing money for back-to-school and holiday spending. With the exception of automobile loans, loan demand has generally been the lowest during the first quarter, which the Company believes is largely due to the timing of income tax refunds. During the remainder of the year, the Company typically experiences loan growth from general operations. In addition, the Company typically generates higher loan volumes in the second half of the year from direct mail campaigns, which are timed to coincide with seasonal consumer demand. Also, delinquencies have generally been lower in the first half of the year than during the second half of the year. Consequently, the Company experiences significant seasonal fluctuations in its operating results and cash needs. Significant accounting policies: Business segments: Principles of consolidation: VIE Variable interest entity: RMR The Company’s asset-backed loan under this arrangement is structured to provide enhancements to the lender in the form of overcollateralization (principal balance of the collateral exceeds the balance of the debt) and reserve funds (restricted cash accounts held by RMR). These enhancements, along with the isolated finance receivables pool, increase the creditworthiness of RMR above that of the Company as a whole. This increases the marketability of the Company’s collateral for borrowing purposes, which leads to more favorable borrowing terms, improved rate risk management, and additional flexibility to grow the business. RMR is considered a VIE under GAAP and is consolidated into the financial statements of RMR’s primary beneficiary. The Company is considered to be the primary beneficiary of RMR because it has (i) power over the significant activities of RMR through its role as servicer of the finance receivables under the credit agreement and (ii) the obligation to absorb losses or the right to receive returns that could be significant through the Company’s interest in the monthly residual cash flows of RMR after the debt is paid. Consolidation of RMR results in the transaction being accounted for as a secured borrowing; therefore, the pooled receivables and the related debt remain on the consolidated balance sheet of the Company. The debt is secured solely by the assets of RMR and not by any other assets of the Company. The assets of RMR are the only source of funds for repayment on the debt. Restricted cash accounts held by RMR can only be used to support payments on the debt. The Company recognizes revenue and provision for credit losses on RMR’s finance receivables and interest expense on the related secured debt. See Note 9 of these Notes to Consolidated Financial Statements for further information regarding the accounting treatment of the VIE. Use of estimates: Material estimates that are particularly susceptible to change relate to the determination of the allowance for credit losses, fair value of share-based compensation, the valuation of deferred tax assets and liabilities, and the allocation of the purchase price to assets acquired in business combinations. Reclassifications: Statement of cash flows: Finance receivables: Credit losses: The Company initiates repossession proceedings when, in the opinion of management, the customer is unlikely to make further payments. The Company sells substantially all repossessed vehicle inventory through public sales conducted by independent automobile auction organizations after the required post-repossession waiting period. Losses on the sale of repossessed collateral are charged to the allowance for credit losses. The allowance for credit losses consists of general and specific components. The general component of the allowance estimates credit losses for groups of finance receivables on a collective basis and is based on historic loss rates. The Company’s general component of the allowance for credit losses relates to probable incurred losses of unimpaired finance receivables. The historical loss rate for the most recent six months (branch small loans and convenience checks), ten months (retail loans), and twelve months (large loans and automobile loans) as a percentage of average finance receivables is used to estimate the general allowance. The Company adjusts the computed historical loss percentages as described above for qualitative factors based on an assessment of internal and external influences on credit quality that are not fully reflected in the historical loss data. Those qualitative factors include trends in growth in the loan portfolio, delinquency, unemployment, bankruptcy, and other economic trends. Impaired finance receivables: For customers in a confirmed Chapter 13 bankruptcy plan, the Company reduces the interest rate to that specified in the bankruptcy order and the Company receives payments with respect to the remaining amount of the loan from the bankruptcy trustee. For customers who recently filed for Chapter 13 bankruptcy, the Company generally does not receive any payments until their bankruptcy plan is confirmed by the court. If the customers have made payments to the trustee in advance of plan confirmation, the Company may receive a lump sum payment from the trustee once the plan is confirmed. This lump sum payment represents the Company’s pro-rata share of the amount paid by the customer. If a customer fails to comply with the terms of the bankruptcy order, the Company will petition the trustee to have the customer dismissed from bankruptcy. Upon dismissal, the Company restores the account to the original terms and pursues collection through its normal loan servicing activities. If a customer files for bankruptcy under Chapter 7 of the bankruptcy code, the bankruptcy court has the authority to cancel the customer’s debt. If a vehicle secures a Chapter 7 bankruptcy account, the customer has the option of buying the vehicle at fair value or reaffirming the loan and continuing to pay the loan. Prior to the charge-off policy change in September 2014, the specific component of the allowance for credit losses included a full valuation allowance for finance receivables that were contractually delinquent 180 days and over. The charge-offs from the policy change were charged against this allowance as of September 2014. Delinquency: Repossessed assets: Property and equipment: Restricted cash : Derivative instruments : Income recognition: The Company recognizes income on credit life insurance using the sum-of-the-years’ digits method over the terms of the policies. The Company recognizes income on credit accident and health insurance using the average of the sum-of-the-years’ digits and the straight-line methods over the terms of the policies. The Company recognizes income on credit-related property and automobile insurance and on credit involuntary unemployment insurance using the straight-line method over the terms of the policies. Rebates are computed using statutory methods, which in many cases is the sum-of-the-years-digits method, and any difference between the GAAP method and the statutory method is recognized in income at the time of rebate. The Company defers fees charged to automobile dealers and recognizes income using the constant yield method for indirect loans and the straight-line method for direct loans over the lives of the respective loans. Charges for late fees are recognized as income when collected. Finance receivable origination fees and costs: Share-based compensation: Marketing costs: Income taxes: When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the more-likely-than-not recognition threshold are measured as the largest amount of tax benefit that is more than 50% likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the accompanying balance sheet along with any associated interest and penalties that would be payable to the taxing authorities upon examination. Interest and penalties associated with unrecognized tax benefits are classified as additional income taxes in the consolidated statements of income. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effects of future tax rate changes are recognized in the period when the enactment of new rates occurs. Earnings per share: Recent Accounting Pronouncements: In May 2014, the Financial Accounting Standards Board (“ FASB In August 2014, the FASB issued an accounting update on management’s responsibility to evaluate whether there is substantial doubt about an entity’s ability to continue as a going concern and to provide related footnote disclosures. The update is effective for the annual period ending after December 15, 2016, and for annual periods and interim periods thereafter. Early application is permitted. The update is not expected to have a material impact on the Company’s consolidated financial statements. In February 2015, the FASB issued an accounting update that amends the analysis a reporting entity must perform to determine whether it should consolidate certain legal entities. Reporting entities are required to re-evaluate limited partnerships or similar entities for consolidation and revise their documentation. The update is effective for annual and interim periods beginning after December 15, 2015. The update is not expected to have a material impact on the Company’s consolidated financial statements. In April 2015, the FASB issued an accounting update to simplify the presentation of debt issuance costs. The update 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 a debt discount. The recognition and measurement guidance for debt issuance costs are not affected by the update. The update is effective for annual and interim periods beginning after December 15, 2015. An entity should apply the new guidance on a retrospective basis, wherein the balance sheet of each individual period presented should be adjusted to reflect the period-specific effects of applying the new guidance. In August 2015, the FASB issued an additional accounting update on certain debt issue costs, which clarifies that debt issue costs associated with line-of-credit agreements may be classified as an asset or as a direct deduction to the carrying amount of the debt. The costs should continue to be deferred and amortized over the term of the line-of-credit. As a result of these accounting updates, debt issue costs will be reclassified from other assets to long-term debt.

Concentrations of Credit Risk

Concentrations of Credit Risk	12 Months Ended
	Dec. 31, 2015
Risks and Uncertainties [Abstract]
Concentrations of Credit Risk	Note 2. Concentrations of Credit Risk The Company’s portfolio of finance receivables is with customers living in five southeastern states (Alabama, Georgia, North Carolina, South Carolina, and Tennessee), three southwestern states (Oklahoma, New Mexico, and Texas), and one mid-Atlantic (Virginia); consequently, such customers’ ability to honor their installment contracts may be affected by economic conditions in these areas. Additionally, the Company is exposed to a concentration of credit risk inherent in providing consumer finance products to borrowers who cannot obtain traditional bank financing. The Company also has a risk that its customers will seek protection from creditors by filing under the bankruptcy laws. When a customer files for bankruptcy protection, the Company must cease collection efforts and petition the bankruptcy court to obtain its collateral or work out a court approved bankruptcy plan involving the Company and all other creditors of the customer. It is the Company’s experience that such plans can take an extended period of time to conclude and usually involve a reduction in the interest rate from the rate in the contract to a court-approved rate. The Company maintains amounts in bank accounts which, at times, may exceed federally insured limits. The Company has not experienced losses in such accounts, which are maintained with large domestic banks. Management believes the Company’s exposure to credit risk is minimal for these accounts.

Finance Receivables, Credit Qua

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses	12 Months Ended
	Dec. 31, 2015
Receivables [Abstract]
Finance Receivables, Credit Quality Information, and Allowance for Credit Losses	Note 3. Finance Receivables, Credit Quality Information, and Allowance for Credit Losses Finance receivables for the periods indicated consisted of the following: In thousands 2015 2014 Branch small loans $ 157,755 $ 128,217 Convenience checks 180,402 191,316 Large loans 146,553 46,147 Automobile loans 116,109 154,382 Retail loans 27,625 26,130 Finance receivables $ 628,444 $ 546,192 The contractual delinquency of the finance receivable portfolio by product and aging for the periods indicated are as follows: December 31, 2015 Branch Small Convenience Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % $ % Current $ 123,525 78.3 % $ 147,110 81.6 % $ 127,374 86.9 % $ 79,878 68.8 % $ 22,704 82.2 % $ 500,591 79.7 % 1 to 29 days delinquent 19,465 12.3 % 17,872 9.9 % 14,234 9.7 % 27,518 23.7 % 3,500 12.7 % 82,589 13.1 % Delinquent accounts 30 to 59 days 4,493 2.9 % 4,348 2.4 % 2,157 1.5 % 4,119 3.5 % 537 1.9 % 15,654 2.5 % 60 to 89 days 3,197 2.0 % 3,233 1.8 % 1,153 0.8 % 1,959 1.7 % 316 1.1 % 9,858 1.6 % 90 to 119 days 2,654 1.7 % 2,966 1.6 % 682 0.4 % 1,147 1.0 % 247 1.0 % 7,696 1.1 % 120 to 149 days 2,347 1.5 % 2,581 1.4 % 574 0.4 % 1,003 0.9 % 173 0.6 % 6,678 1.1 % 150 to 179 days 2,074 1.3 % 2,292 1.3 % 379 0.3 % 485 0.4 % 148 0.5 % 5,378 0.9 % Total delinquency $ 14,765 9.4 % $ 15,420 8.5 % $ 4,945 3.4 % $ 8,713 7.5 % $ 1,421 5.1 % $ 45,264 7.2 % Total finance receivables $ 157,755 100.0 % $ 180,402 100.0 % $ 146,553 100.0 % $ 116,109 100.0 % $ 27,625 100.0 % $ 628,444 100.0 % Finance receivables in nonaccrual status $ 7,075 4.5 % $ 7,839 4.3 % $ 1,635 1.1 % $ 2,635 2.3 % $ 568 2.1 % $ 19,752 3.1 % December 31, 2014 Branch Small Convenience Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % $ % Current $ 104,003 81.1 % $ 154,833 80.9 % $ 36,658 79.4 % $ 105,424 68.3 % $ 21,424 82.0 % $ 422,342 77.4 % 1 to 29 days delinquent 13,967 10.9 % 19,318 10.1 % 7,383 16.0 % 38,656 25.0 % 3,390 13.0 % 82,714 15.1 % Delinquent accounts 30 to 59 days 3,647 2.8 % 5,134 2.7 % 1,036 2.3 % 5,651 3.7 % 483 1.8 % 15,951 2.9 % 60 to 89 days 2,275 1.8 % 4,442 2.3 % 483 1.0 % 2,114 1.4 % 310 1.2 % 9,624 1.8 % 90 to 119 days 1,857 1.4 % 3,312 1.8 % 263 0.6 % 1,266 0.8 % 201 0.8 % 6,899 1.2 % 120 to 149 days 1,478 1.2 % 2,343 1.2 % 204 0.4 % 758 0.5 % 205 0.8 % 4,988 0.9 % 150 to 179 days 990 0.8 % 1,934 1.0 % 120 0.3 % 513 0.3 % 117 0.4 % 3,674 0.7 % Total delinquency $ 10,247 8.0 % $ 17,165 9.0 % $ 2,106 4.6 % $ 10,302 6.7 % $ 1,316 5.0 % $ 41,136 7.5 % Total finance receivables $ 128,217 100.0 % $ 191,316 100.0 % $ 46,147 100.0 % $ 154,382 100.0 % $ 26,130 100.0 % $ 546,192 100.0 % Finance receivables in nonaccrual status $ 4,325 3.4 % $ 7,589 4.0 % $ 587 1.3 % $ 2,537 1.6 % $ 523 2.0 % $ 15,561 2.8 % The allowance for credit losses consists of general and specific components. Prior to the charge-off policy change in September 2014, the specific component included a full valuation allowance for finance receivables that were contractually delinquent 180 days or over. The $2.1 million in charge-offs from the policy change were charged against this allowance as of September 2014 and, therefore, did not impact the provision for loan losses. The general component of the allowance estimates credit losses for groups of finance receivables on a collective basis and is based on historic loss rates (adjusted for qualitative factors). The charge-off policy change modified this historic loss rate and the resulting general reserve. In addition, the Company converted bankrupt accounts with confirmed plans from the bankruptcy court from delinquent to current status. The bankrupt accounts continue to be accounted for as troubled debt restructurings and considered impaired finance receivables. As a net result of these changes, the Company increased the provision for credit losses by $0.3 million during the three months ended September 30, 2014, which decreased net income for the year ended December 31, 2014 by $0.2 million, or $0.02 diluted earnings per share. Changes in the allowance for credit losses for the periods indicated are as follows: In thousands 2015 2014 2013 Balance at beginning of year $ 40,511 $ 30,089 $ 23,616 Provision for credit losses 47,348 69,057 39,192 Charge-offs (55,043 ) (58,236 ) (33,750 ) Charge-offs (180+ policy change) — (2,106 ) — Recoveries 4,636 1,707 1,031 Balance at end of year $ 37,452 $ 40,511 $ 30,089 In December 2015, the Company began selling previously charged-off loans for all products in the portfolio to a third-party debt collector. The proceeds from these sales are recognized as a recovery in the allowance for credit losses. Recoveries during the year ended December 31, 2015 included $2.0 million from the sale of charged-off loans. No sales of previously charged-off loans were made in 2013 or 2014. In January 2016, the Company began selling the flow of loans charged-off between November 2015 and October 2016. The flow sales will be recognized as recoveries in the allowance for credit losses and a reduction of the provision for loan losses. During the three months ended December 31, 2013, the Company changed its estimate for the allowance for credit losses based on analysis of the effective lives for all finance receivable portfolios. The methodology for estimating the allowance for credit losses changed from the trailing eight to trailing six month losses on branch small loans and convenience checks, trailing twelve to trailing ten month losses on large loans, and trailing twelve to trailing eleven month losses on retail loans. As a result, the Company decreased the allowance for credit losses by $3.9 million, which increased net income for the year ended December 31, 2013 by $2.4 million, or $0.19 diluted earnings per share. The Company recorded an offsetting $3.7 million pre-tax increase to the allowance for credit losses for qualitative factors on finance receivable growth and delinquency and loss trends, which decreased net income for the year ended December 31, 2013 by $2.3 million, or $0.18 diluted earnings per share. During 2015, the effective life of the large loan product category increased from ten months to twelve months as the Company originated longer term loans. As a result, the Company increased the allowance for credit losses by $0.5 million, which decreased net income for the year ended December 31, 2015 by $0.3 million, or $0.02 diluted earnings per share. The increase in the allowance for credit losses due to the change in effective life was offset by a decrease in the Company’s normal allowance for credit losses on qualitative factors surrounding finance receivables growth and credit quality. The overall large loan allowance for credit losses as a percentage of loans declined from 4.3% to 3.8% as of December 31, 2014 and 2015, respectively. In September 2014, the Company changed the time-based element of the charge-off policy from 365 days contractually delinquent to 180 days. The updated policy improves consistency and creates better alignment with industry practice. The policy change generated a one-time charge-off of $2.1 million as of September 2014. The following is a reconciliation of the allowance for credit losses by product for the periods indicated: In thousands Balance Provision Charge-offs Recoveries Balance Finance Allowance as Branch small loans $ 6,960 $ 16,000 $ (14,627 ) $ 1,123 $ 9,456 $ 157,755 6.0 % Convenience checks 18,320 17,428 (25,432 ) 1,763 12,079 180,402 6.7 % Large loans 1,980 6,032 (2,762 ) 343 5,593 146,553 3.8 % Automobile loans 11,776 6,285 (10,466 ) 1,233 8,828 116,109 7.6 % Retail loans 1,475 1,603 (1,756 ) 174 1,496 27,625 5.4 % Total $ 40,511 $ 47,348 $ (55,043 ) $ 4,636 $ 37,452 $ 628,444 6.0 % In thousands Balance Provision Charge-offs Charge-offs Recoveries Balance Finance Allowance as Branch small loans $ 5,166 $ 13,760 $ (11,915 ) $ (505 ) $ 454 $ 6,960 $ 128,217 5.4 % Convenience checks 10,204 36,995 (28,782 ) (627 ) 530 18,320 191,316 9.6 % Large loans 2,233 1,985 (2,334 ) (203 ) 299 1,980 46,147 4.3 % Automobile loans 10,827 14,259 (12,939 ) (688 ) 317 11,776 154,382 7.6 % Retail loans 1,659 2,058 (2,266 ) (83 ) 107 1,475 26,130 5.6 % Total $ 30,089 $ 69,057 $ (58,236 ) $ (2,106 ) $ 1,707 $ 40,511 $ 546,192 7.4 % The Company disaggregated “small loans” into “branch small loans” and “convenience checks” during the year ended December 31, 2014 due to a change in the risk characteristics of the convenience check portfolio in that period. In thousands Balance Provision Charge-offs Recoveries Balance Finance Allowance as Small loans $ 11,369 $ 22,620 $ (19,108 ) $ 489 $ 15,370 $ 288,979 5.3 % Large loans 2,753 1,788 (2,630 ) 322 2,233 43,311 5.2 % Automobile loans 8,424 12,094 (9,875 ) 184 10,827 181,126 6.0 % Retail loans 1,070 2,690 (2,137 ) 36 1,659 31,268 5.3 % Total $ 23,616 $ 39,192 $ (33,750 ) $ 1,031 $ 30,089 $ 544,684 5.5 % Impaired finance receivables as a percentage of total finance receivables were 1.2% and 1.1% for the years ended December 31, 2015 and 2014, respectively. The following is a summary of impaired finance receivables as of the periods indicated: In thousands 2015 2014 Branch small loans $ 524 $ 582 Convenience checks 485 544 Large loans 2,760 1,260 Automobile loans 3,370 3,698 Retail loans 121 119 Total $ 7,260 $ 6,203 Following is a summary of finance receivables evaluated for impairment for the periods indicated: December 31, 2015 In thousands Branch Small Convenience Large Automobile Retail Total Impaired receivables specifically evaluated $ 524 $ 485 $ 2,760 $ 3,370 $ 121 $ 7,260 Finance receivables evaluated collectively 157,231 179,917 143,793 112,739 27,504 621,184 Finance receivables outstanding $ 157,755 $ 180,402 $ 146,553 $ 116,109 $ 27,625 $ 628,444 Impaired receivables in nonaccrual status $ 109 $ 95 $ 83 $ 415 $ 17 $ 719 Amount of the specific reserve for impaired accounts $ 142 $ 124 $ 560 $ 862 $ 20 $ 1,708 Amount of the general component of the allowance $ 9,314 $ 11,955 $ 5,033 $ 7,966 $ 1,476 $ 35,744 December 31, 2014 In thousands Branch Small Convenience Large Automobile Retail Total Impaired receivables specifically evaluated $ 582 $ 544 $ 1,260 $ 3,698 $ 119 $ 6,203 Finance receivables evaluated collectively 127,635 190,772 44,887 150,684 26,011 539,989 Finance receivables outstanding $ 128,217 $ 191,316 $ 46,147 $ 154,382 $ 26,130 $ 546,192 Impaired receivables in nonaccrual status $ 140 $ 159 $ 133 $ 559 $ 16 $ 1,007 Amount of the specific reserve for impaired accounts $ 143 $ 165 $ 309 $ 981 $ 18 $ 1,616 Amount of the general component of the allowance $ 6,817 $ 18,155 $ 1,671 $ 10,795 $ 1,457 $ 38,895 Average recorded investment in impaired finance receivables for the periods indicated are as follows: In thousands 2015 2014 Branch small $ 586 $ 1,097 Convenience check 514 1,265 Large 1,523 1,619 Automobile 3,571 4,150 Retail 128 238 Total average recorded investment $ 6,322 $ 8,369 Prior to September 2014, impaired finance receivables included receivables that were delinquent 180 days and over. It has been the Company’s practice since September 2014 to charge off finance receivables that reach 180 days delinquent. It is not practical to compute the amount of interest earned on impaired loans.

Property and Equipment

Property and Equipment	12 Months Ended
	Dec. 31, 2015
Property, Plant and Equipment [Abstract]
Property and Equipment	Note 4. Property and Equipment For the periods indicated, property and equipment consisted of the following: In thousands 2015 2014 Land and building $ 919 $ 922 Furniture, fixtures, and equipment 21,240 18,423 Leasehold improvements 4,548 3,212 Property and equipment cost 26,707 22,557 Less accumulated depreciation 16,266 13,652 Property and equipment, net of accumulated depreciation $ 10,441 $ 8,905 Depreciation expense for the years ended December 31, 2015, 2014, and 2013 totaled $2.9 million, $2.6 million, and $2.2 million, respectively.

Leases

Leases	12 Months Ended
	Dec. 31, 2015
Leases [Abstract]
Leases	Note 5. Leases Future minimum rent commitments under non-cancellable operating leases in effect as of December 31, 2015 are as follows: In thousands Amount 2016 $ 5,642 2017 4,001 2018 2,511 2019 1,359 2020 652 Thereafter 7 Total $ 14,172 Leases generally contain options to extend for periods from 1 to 10 years and the cost of such extensions is not included above. Rent expense for the years ended December 31, 2015, 2014, and 2013 equaled $6.0 million, $5.2 million, and $4.3 million, respectively. In addition to rent, the Company typically pays for all operating expenses, property taxes, and repairs and maintenance on properties that it leases.

Goodwill

Goodwill	12 Months Ended
	Dec. 31, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill	Note 6. Goodwill The Company performs an annual impairment test during the fourth quarter of each fiscal year. There were no goodwill additions or impairment losses for the years ended 2015 and 2014.

Intangibles

Intangibles	12 Months Ended
	Dec. 31, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Intangibles	Note 7. Intangibles The following table provides the gross carrying amount and related accumulated amortization of definite-lived intangible assets: December 31, 2015 December 31, 2014 In thousands Gross Carrying Accumulated Gross Carrying Accumulated Customer list $ 2,516 $ 2,043 $ 2,516 $ 1,669 Intangible amortization expense for the years ended December 31, 2015, 2014, and 2013 totaled $0.4 million, $0.6 million, and $0.7 million, respectively. The following table sets forth the future amortization of intangible assets: In thousands Amount 2016 $ 264 2017 164 2018 45 Total $ 473

Other Assets

Other Assets	12 Months Ended
	Dec. 31, 2015
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Other Assets	Note 8. Other Assets Other assets include the following as of the periods indicated: In thousands 2015 2014 Debt issuance costs, net of accumulated amortization $ 2,693 $ 869 Prepaid expenses 2,240 1,896 Credit insurance receivable 658 873 Income tax receivable — 1,611 Other 403 533 Total $ 5,994 $ 5,782

Long-Term Debt

Long-Term Debt	12 Months Ended
	Dec. 31, 2015
Debt Disclosure [Abstract]
Long-Term Debt	Note 9. Long-Term Debt Following is a summary of the Company’s debt as of the periods indicated: In thousands 2015 2014 Senior revolving credit facility $ 338,281 $ 341,419 Amortizing loan 72,896 — Total long-term debt $ 411,177 $ 341,419 Unused amount of senior revolving credit facility, subject to borrowing base $ 199,719 $ 158,581 On September 18, 2015, the Company amended and restated its senior revolving credit facility, increased availability under the facility from $500 million to $538 million, and extended the maturity of the facility from May 2016 to September 2018. The facility has an accordion provision that allows for the expansion of the facility to $600 million. Excluding the receivables held by the Company’s VIE, the senior revolving credit facility is secured by substantially all of the Company’s finance receivables and equity interests of the majority of its subsidiaries. Borrowings under the facility bear interest, payable monthly, at rates equal to LIBOR of a maturity the Company elects between one and six months, with a LIBOR floor of 1.00%, plus a 3.00% margin. The one-month LIBOR was 0.50% and 0.25% at December 31, 2015 and 2014, respectively. Alternatively, the Company may pay interest at prime rate plus a 2.00% margin. The prime rate was 3.50% and 3.25% at December 31, 2015 and 2014, respectively. The Company also pays an unused line fee, payable monthly, of 0.50% per annum, which declines to 0.375% at certain usage levels. Advances on the facility are capped at 85% of eligible secured finance receivables plus 70% of eligible unsecured finance receivables. These rates are subject to adjustment at certain credit quality levels (83% secured and 68% unsecured as of December 31, 2015). As of December 31, 2015, the Company had $69.4 million of eligible capacity under the facility. The facility also contains restrictive covenants and monthly and annual reporting requirements to the banks. At December 31, 2015, the Company was in compliance with all debt covenants. The Company had a $1.5 million line of credit, which was secured by a mortgage on the Company’s headquarters, with a commercial bank to facilitate its cash management program. The interest rate was prime plus 0.25% with a minimum of 5.00%, and interest was payable monthly. The line of credit matured on January 18, 2015 and was replaced by a $3.0 million overdraft provision. In December 2015, the Company and its wholly-owned subsidiary, Regional Management Receivables, LLC (“ RMR The amortizing loan is supported by the expected cash flows from the underlying collateralized finance receivables. Collections on these accounts are remitted to a restricted cash collection account, which totaled $3.9 million as of December 31, 2015. Cash inflows from the finance receivables are distributed to the lender and service providers in accordance with a monthly contractual priority of payments (“waterfall”) and, as such, the inflows are directed first to servicing fees. RMR pays a 4% servicing fee to the Company, which is eliminated in consolidation. Next, all cash inflows are directed to the interest, principal, and any adjustments to the reserve account of the amortizing loan and, thereafter, to the residual interest that the Company owns. Distributions from RMR to the Company are allowed under the credit agreement. RMR is considered a VIE under GAAP and is consolidated into the financial statements of RMR’s primary beneficiary. The Company is considered to be the primary beneficiary of RMR because it has (i) power over the significant activities of RMR through its role as servicer of the finance receivables under the credit agreement and (ii) the obligation to absorb losses or the right to receive returns that could be significant through the Company’s interest in the monthly residual cash flows of RMR after the debt is paid. See Note 1 of these Notes to Consolidated Financial Statements for further information regarding VIE. The carrying amount of VIE assets and liabilities are as follows: In thousands 2015 Assets Cash $ 376 Finance receivables 80,309 Allowance for credit losses (2,588 ) Restricted cash 7,605 Repossessed assets at net realizable value 36 Other assets 1,670 Total assets $ 87,408 Liabilities Long-term debt $ 72,896 Accounts payable and accrued expenses 50 Total liabilities $ 72,946 Following is a summary of principal payments required on outstanding debt during each of the next five years: In thousands Amount 2016 $ 33,561 2017 20,092 2018 349,811 2019 7,713 2020 — Total $ 411,177

Interest Rate Cap

Interest Rate Cap	12 Months Ended
	Dec. 31, 2015
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Interest Rate Cap	Note 10. Interest Rate Cap In April 2015, the Company purchased interest rate caps. The interest rate cap contracts have an aggregate notional principal amount of $150.0 million, a 2.5% strike rate against one-month LIBOR, and mature in April 2018. When the one-month LIBOR exceeds 2.5%, the counterparty reimburses the Company for the excess over 2.5%. No payment is required by the Company or the counterparty when the one-month LIBOR is below 2.5%. The following is a summary of changes in the rate caps: In thousands 2015 Balance at beginning of period $ — Purchases 577 Fair value adjustment included as an (increase) in interest expense (457 ) Balance at end of period, included in other assets $ 120

Disclosure About Fair Value of

Disclosure About Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2015
Fair Value Disclosures [Abstract]
Disclosure About Fair Value of Financial Instruments	Note 11. Disclosure About Fair Value of Financial Instruments The following methods and assumptions were used to estimate the fair value of each class of financial instruments for which it is practicable to estimate that value: Cash and restricted cash: Finance receivables: Interest rate caps: Repossessed assets: Long-term debt: The carrying amount and estimated fair values of the Company’s financial instruments summarized by level are as follows: December 31, 2015 December 31, 2014 In thousands Carrying Estimated Carrying Estimated Assets Level 1 inputs Cash $ 7,654 $ 7,654 $ 4,012 $ 4,012 Restricted cash 10,506 10,506 1,901 1,901 Level 2 inputs Interest rate caps 120 120 — — Level 3 inputs Net finance receivables 590,992 590,992 505,681 505,681 Repossessed assets 307 307 556 556 Liabilities Level 3 inputs Long-term debt 411,177 411,177 341,419 341,419 Certain of the Company’s assets carried at fair value are classified and disclosed in one of the following three categories: Level 1 – Quoted market prices in active markets for identical assets or liabilities. Level 2 – Observable market-based inputs or unobservable inputs that are corroborated by market data. Level 3 – Unobservable inputs that are not corroborated by market data. In determining the appropriate levels, the Company performs an analysis of the assets and liabilities that are carried at fair value. At each reporting period, all assets and liabilities for which the fair value measurement is based on significant unobservable inputs are classified as Level 3. The table below presents the balances of assets measured at fair value on a recurring basis by level within the hierarchy: Interest Rate Caps In thousands Total Level 1 Level 2 Level 3 2015 $ 120 $ — $ 120 $ — 2014 $ — $ — $ — $ — Certain assets are measured at fair value on a nonrecurring basis; that is, the instruments are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). The following table presents the assets carried on the balance sheet by level within the hierarchy as of December 31, 2015 and 2014 for which a nonrecurring change in fair value has been recorded during the years ended December 31, 2015 and 2014: Repossessed Assets In thousands Total Level 1 Level 2 Level 3 Total Losses 2015 $ 307 $ — $ — $ 307 $ 338 2014 $ 556 $ — $ — $ 556 $ 566

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Income Taxes	Note 12. Income Taxes The Company and its subsidiaries file a consolidated federal income tax return. The Company files consolidated or separate state income tax returns as permitted by individual states in which it operates. Income tax expense was $14.8 million, $9.1 million, and $17.5 million for the years ended December 31, 2015, 2014, and 2013, respectively, which differed from the amount computed by applying the federal income tax rate of 35% to total income before income taxes as a result of the following: In thousands 2015 2014 2013 Federal tax expense at statutory rate $ 13,349 $ 8,379 $ 16,189 Increase (reduction) in income taxes resulting from: State tax, net of federal benefit 1,098 603 1,112 Non-deductible compensation 378 — — Other (51 ) 155 159 $ 14,774 $ 9,137 $ 17,460 Income tax expense attributable to total income before income taxes consists of the following for the periods indicated: In thousands 2015 2014 2013 Current: Federal $ 13,037 $ 11,827 $ 18,297 State and local 1,859 1,859 2,457 14,896 13,686 20,754 Deferred: Federal (104 ) (3,958 ) (2,549 ) State and local (18 ) (591 ) (745 ) (122 ) (4,549 ) (3,294 ) Total $ 14,774 $ 9,137 $ 17,460 Net deferred tax assets and liabilities consist of the following as of the periods indicated: In thousands 2015 2014 Deferred tax assets: Allowance for credit losses $ 14,463 $ 15,620 Share-based compensation 2,241 1,694 Unearned insurance commissions 2,152 1,490 Amortization of intangible assets 661 609 Accrued expenses 475 828 Deferred loan fees 76 134 State net operating loss carryforward 17 69 Other 35 189 Gross deferred tax assets 20,120 20,633 Deferred tax liabilities: Fair market value adjustment of finance receivables 13,469 14,403 Deferred loan costs 2,302 2,283 Tax over book depreciation 1,585 1,403 Prepaid expenses 616 518 Other 166 156 Gross deferred tax liabilities 18,138 18,763 Net deferred tax asset $ 1,982 $ 1,870 The Company’s determination of the realization of deferred tax assets is based on its assessment of all available positive and negative evidence. At December 31, 2015, positive evidence supporting the realization of the deferred tax assets includes generation of taxable income for the two prior tax years and reversal of taxable temporary differences. At December 31, 2015, the Company has not identified significant negative evidence related to the realization of its deferred tax assets. At both December 31, 2015 and December 31, 2014, the Company was in a three-year cumulative pre-tax book income position. As noted below, the Company had certain state net operating loss carryforwards at December 31, 2015, and the Company expects to fully utilize these deferred tax assets within the state carryforward periods based on available evidence existing as of the balance sheet date. Subsequent to the earnings release furnished as Exhibit 99.1 to the Company’s Current Report on Form 8-K filed on January 28, 2016, the Company recorded an adjustment to reclassify $2.6 million between current and deferred taxes on the Company’s balance sheet as the result of additional work performed on estimating the Company’s taxable fair market value of finance receivables. Such reclassification had no impact on previously reported net income or stockholders’ equity. As of December 31, 2015 and 2014, the Company had state net operating loss carryforwards of approximately $0.6 million and $2.5 million, respectively, which will be available to offset future taxable income. If not used, these carryforwards will expire between 2029 and 2034. At December 31, 2015, the Company did not have any material uncertain tax positions.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2015
Earnings Per Share [Abstract]
Earnings Per Share	Note 13. Earnings Per Share The following schedule reconciles the computation of basic and diluted earnings per share for the periods indicated: In thousands, except per share amounts 2015 2014 2013 Numerator: Net income $ 23,365 $ 14,802 $ 28,794 Denominator: Weighted average shares outstanding for basic earnings per share 12,849 12,701 12,572 Effect of dilutive securities 225 250 322 Weighted average shares adjusted for dilutive securities 13,074 12,951 12,894 Earnings per share: Basic $ 1.82 $ 1.17 $ 2.29 Diluted $ 1.79 $ 1.14 $ 2.23 Options to purchase 489 thousand, 478 thousand, and 27 thousand shares of common stock were outstanding during the years ended December 31, 2015, 2014, and 2013, respectively, but were not included in the computation of diluted earnings per share because they were anti-dilutive.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2015
Postemployment Benefits [Abstract]
Employee Benefit Plans	Note 14. Employee Benefit Plans Retirement savings plan: Health insurance plan: Annual incentive plan: Board Employment agreements: In October 2014, the Company accepted the resignation of the Company’s Chief Executive Officer. The resignation was treated as a termination without cause pursuant to the executive’s Employment Agreement, dated March 18, 2013. The Company entered into a Separation Agreement with the executive, dated December 11, 2014. The Employment Agreement and the Separation Agreement are attached as Exhibits 10.1 to the Current Reports on Form 8-K, filed with the SEC on March 21, 2013 and December 17, 2014, respectively. The expense related to the Separation Agreement was $1.2 million for the year ended December 31, 2014, which is included in personnel expense on the consolidated income statement.

Share-Based Compensation

Share-Based Compensation	12 Months Ended
	Dec. 31, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Share-Based Compensation	Note 15. Share-Based Compensation The Company previously adopted the 2007 Management Incentive Plan (the “ 2007 Plan 2011 Plan 2015 Plan For the years ended December 31, 2015, 2014, and 2013, the Company recorded share-based compensation expense of $3.6 million, $2.3 million, and $1.6 million, respectively. As of December 31, 2015, unrecognized share-based compensation expense to be recognized over future periods approximated $2.5 million. This amount will be recognized as expense over a weighted-average period of 1.8 years. Share-based compensation expenses are recognized on a straight-line basis over the requisite service period of the agreement. All share-based compensation is classified as equity except where otherwise noted. The Company allows for the settlement of share-based awards on a net share basis. With net share settlement, the employee does not surrender any cash or shares upon the exercise of stock options or the vesting of stock awards or stock units. Rather, the Company withholds the number of shares with a value equivalent to the option exercise price, for stock options, and the minimum statutory tax withholding for all share-based awards. Net share settlements have the effect of reducing the number of shares that would have otherwise been issued as a result of exercise or vesting. Long-term incentive program: RSU CSPU Inducement and retention program: Non-employee director compensation program: The following are the terms and amounts of the awards issued under the Company’s share-based incentive programs: Stock options: The fair value of option grants are estimated on the grant date using the Black-Scholes option-pricing model with the following weighted-average assumptions for option grants during the periods indicated below. 2015 2014 2013 Expected volatility 47.15 % 42.68 % 47.74 % Expected dividends 0.00 % 0.00 % 0.00 % Expected term (in years) 6.15 6.21 10.00 Risk-free rate 1.62 % 1.94 % 2.03 % Expected volatility is based on the Company’s historical stock price volatility beginning in 2014. Prior years were based on the historic volatility of a publicly traded company in the same industry. The expected term is calculated by using the simplified method (average of the vesting and original contractual terms) due to insufficient historical data. The risk-free rate is based on the zero coupon U.S. Treasury bond rate over the expected term of the awards. The following table summarizes the stock option activity for the year ended December 31, 2015: In thousands, except per share amounts Number of Weighted-Average Exercise Price Weighted-Average Aggregate Options outstanding at January 1, 2015 896 $ 11.63 Granted 310 15.25 Exercised (145 ) 6.45 Forfeited (17 ) 15.96 Expired — — Options outstanding at December 31, 2015 1,044 $ 13.36 5.2 $ 3,129 Options exercisable at December 31, 2015 618 $ 11.14 3.0 $ 2,983 Available for grant at December 31, 2015 561 The following table provides additional stock option information for the periods indicated: Year Ended December 31, In thousands, except per share amounts 2015 2014 2013 Weighted-average grant date fair value per share $ 7.13 $ 7.83 $ 12.09 Intrinsic value of options exercised $ 1,524 $ 584 $ 2,448 Fair value of stock options that vested $ 1,207 $ 1,484 $ 517 Restricted stock units: The following table summarizes restricted stock unit activity during the year ended December 31, 2015: In thousands, except per unit amounts Units Weighted-Average Fair Value Per Unit Non-vested units, beginning of the year 35 $ 17.76 Granted 96 14.89 Vested — — Forfeited (7 ) 17.76 Non-vested units, at December 31, 2015 124 $ 15.55 The following table provides additional restricted stock unit information for the periods indicated: Year Ended December 31, 2015 2014 2013 Weighted-average grant date fair value per unit $ 14.89 $ 17.76 $ — Cash-settled performance units: The following table summarizes cash-settled performance unit activity during the year ended December 31, 2015: In thousands, except per share amounts Units Weighted-Average Fair Value Per Unit Non-vested units, beginning of the year 629 $ 1.00 Granted 1,419 1.00 Vested — — Forfeited (125 ) 1.00 Non-vested units, at December 31, 2015 1,923 $ 1.00 Restricted stock awards: In January 2015, the Company entered into an Employment Agreement with its Chief Executive Officer. Pursuant to the Employment Agreement, the Company granted the executive 99 thousand fully-vested shares of common stock, subject to a holding period requirement, and recognized $1.5 million of expense during the year ended December 31, 2015. The following table summarizes restricted stock activity during the year ended December 31, 2015: In thousands, except per share amounts Shares Weighted-Average Fair Value Per Share Non-vested shares, beginning of the year 60 $ 15.91 Granted 120 15.36 Vested (145 ) 15.17 Forfeited (12 ) 17.76 Non-vested shares, at December 31, 2015 23 $ 16.74 The following table provides additional restricted stock information. Year Ended December 31, In thousands, except per share amounts 2015 2014 2013 Weighted-average grant date fair value per share $ 15.36 $ 16.23 $ — Fair value of restricted stock awards that vested $ 2,198 $ 224 $ —

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2015
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Note 16. Commitments and Contingencies On May 30, 2014, a securities class action lawsuit was filed in the United States District Court for the Southern District of New York against the Company and certain of its current and former directors, executive officers, and shareholders (collectively, the “ Defendants 1933 Act Claims Plaintiffs 1934 Act Claims The Company’s primary insurance carrier during the applicable time period has (i) denied coverage for the 1933 Act Claims and (ii) acknowledged coverage of the Company and other insureds for the 1934 Act Claims under a reservation of rights and subject to the terms and conditions of the applicable insurance policy. The parties plan to negotiate an allocation between denied and acknowledged claims. In the normal course of business, the Company has been named as a defendant in legal actions, including arbitrations, class actions, and other litigation arising in connection with its activities. Some of the actual or threatened legal actions include claims for compensatory and punitive damages or claims for indeterminate amounts of damages. While the Company will continue to identify legal actions where the Company believes a material loss to be reasonably possible and reasonably estimable, there can be no assurance that material losses will not be incurred from claims that the Company has not yet been notified of or are not yet determined to be probable, or reasonably possible and reasonable to estimate. The Company contests liability and the amount of damages, as appropriate, in each pending matter. Where available information indicates that it is probable that a liability has been incurred and the Company can reasonably estimate the amount of that loss, the Company accrues the estimated loss by a charge to net income. As of December 31, 2015, the Company has accrued $0.5 million for these matters. In many actions, however, it is inherently difficult to determine whether any loss is probable or even reasonably possible or to estimate the amount of loss. In addition, even where a loss is reasonably possible or an exposure to loss exists in excess of the liability already accrued, it is not always possible to reasonably estimate the size of the possible loss or range of loss. For certain legal actions, the Company cannot reasonably estimate such losses, particularly for actions that are in their early stages of development or where plaintiffs seek indeterminate damages. Numerous issues may need to be resolved, including through lengthy discovery and determination of important factual matters, and by addressing novel or unsettled legal questions relevant to the actions in question, before a loss, additional loss, range of loss, or range of additional loss can be reasonably estimated for any given action. For certain other legal actions, the Company can estimate reasonably possible losses, additional losses, ranges of loss, or ranges of additional loss in excess of amounts accrued, but the Company does not believe, based on current knowledge and after consultation with counsel, that such losses will have a material adverse effect on the consolidated financial statements. The Company expenses legal costs as they are incurred.

Credit Insurance Products and R

Credit Insurance Products and Reinsurance of Certain Risks	12 Months Ended
	Dec. 31, 2015
Insurance [Abstract]
Credit Insurance Products and Reinsurance of Certain Risks	Note 17. Credit Insurance Products and Reinsurance of Certain Risks RMC Reinsurance, Ltd. is a wholly-owned insurance subsidiary of the Company. The Company sells optional insurance products to its customers in connection with its lending operations. These optional products include credit life, credit accident and health, credit property insurance, and credit involuntary unemployment insurance. The Company also collects a fee for collateral protection and purchases non-recording insurance in lieu of recording and perfecting the Company’s security interest in the assets pledged on certain loans. Insurance premiums are remitted to an unaffiliated company that issues the policy to the customer. This unaffiliated company cedes the premiums to RMC Reinsurance, Ltd. Life insurance premiums are ceded to the Company as written and non-life products are ceded as earned. The Company maintains a cash reserve for life insurance claims in an amount determined by the ceding company. The cash reserve secures a letter of credit issued by a commercial bank in favor of the ceding company. The ceding company maintains the reserves for non-life claims. Reinsurance income is accounted for over the period of the underlying reinsured policies using assumptions consistent with the policy terms. Following are total net premiums written and reinsured and total earned premiums for the periods indicated: In thousands Net Written Earned 2015 $ 30,812 $ 20,257 2014 17,831 17,385 2013 17,260 16,057 RMC Reinsurance, Ltd. is required to maintain cash reserves for a letter of credit against life insurance policies ceded to it, as determined by the ceding company. In September 2015, the letter of credit was increased to $2.9 million in favor of the ceding company. The letter of credit is secured by a cash deposit of $2.9 million. The cash securing the letter of credit is presented in the restricted cash category in the accompanying balance sheets, which totaled $2.9 million and $1.9 million at December 31, 2015 and 2014, respectively. The Company has a collateral protection collision insurance (“ CPI The Company offers a self-insured Guaranteed Auto Protection (“ GAP

Quarterly Information (unaudite

Quarterly Information (unaudited)	12 Months Ended
	Dec. 31, 2015
Quarterly Financial Information Disclosure [Abstract]
Quarterly Information (unaudited)	Note 18. Quarterly Information (unaudited) The following tables summarize the Company’s quarterly financial information for each of the four quarters of 2015 and 2014: 2015 In thousands First Second Third Fourth Total revenue $ 52,524 $ 53,001 $ 55,096 $ 56,685 Provision for credit losses 9,712 12,102 14,085 11,449 General and administrative expenses 32,623 28,243 26,182 28,550 Interest expense 3,604 3,932 4,335 4,350 Income tax 2,502 3,316 3,987 4,969 Net income $ 4,083 $ 5,408 $ 6,507 $ 7,367 Net income per common share: Basic $ 0.32 $ 0.42 $ 0.51 $ 0.57 Diluted $ 0.31 $ 0.41 $ 0.50 $ 0.56 2014 In thousands First Second Third Fourth Total revenue $ 49,581 $ 47,437 $ 53,909 $ 53,792 Provision for credit losses 16,945 13,620 22,542 15,950 General and administrative expenses 19,898 23,198 25,284 28,396 Interest expense 3,763 3,556 3,848 3,780 Income tax 3,365 2,649 838 2,285 Net income $ 5,610 $ 4,414 $ 1,397 $ 3,381 Net income per common share: Basic $ 0.44 $ 0.35 $ 0.11 $ 0.27 Diluted $ 0.43 $ 0.34 $ 0.11 $ 0.26

Subsequent Events

Subsequent Events	12 Months Ended
	Dec. 31, 2015
Subsequent Events [Abstract]
Subsequent Events	Note 19. Subsequent Events In February 2016, the Company announced that the Board has authorized the repurchase of up to $25 million of the Company’s outstanding shares of common stock. The authorization is effective immediately and extends through December 31, 2017. Stock repurchases under the program may be made in the open market at prevailing market prices, through privately negotiated transactions, or through other structures in accordance with applicable federal securities laws, at times and in amounts as management deems appropriate. The timing and the amount of any common stock repurchases will be determined by the Company’s management based on its evaluation of market conditions, the Company’s liquidity needs, legal and contractual requirements and restrictions (including covenants in the Company’s credit agreements), share price, and other factors. Repurchases of common stock may be made under a Rule 10b5-1 plan, which would permit common stock to be repurchased when the Company might otherwise be precluded from doing so under insider trading laws. The repurchase program does not obligate the Company to purchase any particular number of shares and may be suspended, modified, or discontinued at any time without prior notice. The Company intends to fund the program with a combination of cash and debt.

Nature of Business and Signif26

Nature of Business and Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
Recent Accounting Pronouncements	Recent Accounting Pronouncements: In May 2014, the Financial Accounting Standards Board (“ FASB In August 2014, the FASB issued an accounting update on management’s responsibility to evaluate whether there is substantial doubt about an entity’s ability to continue as a going concern and to provide related footnote disclosures. The update is effective for the annual period ending after December 15, 2016, and for annual periods and interim periods thereafter. Early application is permitted. The update is not expected to have a material impact on the Company’s consolidated financial statements. In February 2015, the FASB issued an accounting update that amends the analysis a reporting entity must perform to determine whether it should consolidate certain legal entities. Reporting entities are required to re-evaluate limited partnerships or similar entities for consolidation and revise their documentation. The update is effective for annual and interim periods beginning after December 15, 2015. The update is not expected to have a material impact on the Company’s consolidated financial statements. In April 2015, the FASB issued an accounting update to simplify the presentation of debt issuance costs. The update 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 a debt discount. The recognition and measurement guidance for debt issuance costs are not affected by the update. The update is effective for annual and interim periods beginning after December 15, 2015. An entity should apply the new guidance on a retrospective basis, wherein the balance sheet of each individual period presented should be adjusted to reflect the period-specific effects of applying the new guidance. In August 2015, the FASB issued an additional accounting update on certain debt issue costs, which clarifies that debt issue costs associated with line-of-credit agreements may be classified as an asset or as a direct deduction to the carrying amount of the debt. The costs should continue to be deferred and amortized over the term of the line-of-credit. As a result of these accounting updates, debt issue costs will be reclassified from other assets to long-term debt.
Restricted cash	Restricted cash:
Derivative instruments	Derivative instruments
Business segments	Business segments:
Principles of consolidation	Principles of consolidation: VIE
Variable interest entity	Variable interest entity: RMR The Company’s asset-backed loan under this arrangement is structured to provide enhancements to the lender in the form of overcollateralization (principal balance of the collateral exceeds the balance of the debt) and reserve funds (restricted cash accounts held by RMR). These enhancements, along with the isolated finance receivables pool, increase the creditworthiness of RMR above that of the Company as a whole. This increases the marketability of the Company’s collateral for borrowing purposes, which leads to more favorable borrowing terms, improved rate risk management, and additional flexibility to grow the business. RMR is considered a VIE under GAAP and is consolidated into the financial statements of RMR’s primary beneficiary. The Company is considered to be the primary beneficiary of RMR because it has (i) power over the significant activities of RMR through its role as servicer of the finance receivables under the credit agreement and (ii) the obligation to absorb losses or the right to receive returns that could be significant through the Company’s interest in the monthly residual cash flows of RMR after the debt is paid. Consolidation of RMR results in the transaction being accounted for as a secured borrowing; therefore, the pooled receivables and the related debt remain on the consolidated balance sheet of the Company. The debt is secured solely by the assets of RMR and not by any other assets of the Company. The assets of RMR are the only source of funds for repayment on the debt. Restricted cash accounts held by RMR can only be used to support payments on the debt. The Company recognizes revenue and provision for credit losses on RMR’s finance receivables and interest expense on the related secured debt. See Note 9 of these Notes to Consolidated Financial Statements for further information regarding the accounting treatment of the VIE.
Use of estimates	Use of estimates: Material estimates that are particularly susceptible to change relate to the determination of the allowance for credit losses, fair value of share-based compensation, the valuation of deferred tax assets and liabilities, and the allocation of the purchase price to assets acquired in business combinations.
Reclassifications	Reclassifications:
Statement of cash flows	Statement of cash flows:
Finance receivables	Finance receivables:
Credit losses	Credit losses: The Company initiates repossession proceedings when, in the opinion of management, the customer is unlikely to make further payments. The Company sells substantially all repossessed vehicle inventory through public sales conducted by independent automobile auction organizations after the required post-repossession waiting period. Losses on the sale of repossessed collateral are charged to the allowance for credit losses. The allowance for credit losses consists of general and specific components. The general component of the allowance estimates credit losses for groups of finance receivables on a collective basis and is based on historic loss rates. The Company’s general component of the allowance for credit losses relates to probable incurred losses of unimpaired finance receivables. The historical loss rate for the most recent six months (branch small loans and convenience checks), ten months (retail loans), and twelve months (large loans and automobile loans) as a percentage of average finance receivables is used to estimate the general allowance. The Company adjusts the computed historical loss percentages as described above for qualitative factors based on an assessment of internal and external influences on credit quality that are not fully reflected in the historical loss data. Those qualitative factors include trends in growth in the loan portfolio, delinquency, unemployment, bankruptcy, and other economic trends.
Impaired finance receivables	Impaired finance receivables: For customers in a confirmed Chapter 13 bankruptcy plan, the Company reduces the interest rate to that specified in the bankruptcy order and the Company receives payments with respect to the remaining amount of the loan from the bankruptcy trustee. For customers who recently filed for Chapter 13 bankruptcy, the Company generally does not receive any payments until their bankruptcy plan is confirmed by the court. If the customers have made payments to the trustee in advance of plan confirmation, the Company may receive a lump sum payment from the trustee once the plan is confirmed. This lump sum payment represents the Company’s pro-rata share of the amount paid by the customer. If a customer fails to comply with the terms of the bankruptcy order, the Company will petition the trustee to have the customer dismissed from bankruptcy. Upon dismissal, the Company restores the account to the original terms and pursues collection through its normal loan servicing activities. If a customer files for bankruptcy under Chapter 7 of the bankruptcy code, the bankruptcy court has the authority to cancel the customer’s debt. If a vehicle secures a Chapter 7 bankruptcy account, the customer has the option of buying the vehicle at fair value or reaffirming the loan and continuing to pay the loan. Prior to the charge-off policy change in September 2014, the specific component of the allowance for credit losses included a full valuation allowance for finance receivables that were contractually delinquent 180 days and over. The charge-offs from the policy change were charged against this allowance as of September 2014.
Delinquency	Delinquency:
Repossessed assets	Repossessed assets:
Property and equipment	Property and equipment:
Income recognition	Income recognition: The Company recognizes income on credit life insurance using the sum-of-the-years’ digits method over the terms of the policies. The Company recognizes income on credit accident and health insurance using the average of the sum-of-the-years’ digits and the straight-line methods over the terms of the policies. The Company recognizes income on credit-related property and automobile insurance and on credit involuntary unemployment insurance using the straight-line method over the terms of the policies. Rebates are computed using statutory methods, which in many cases is the sum-of-the-years-digits method, and any difference between the GAAP method and the statutory method is recognized in income at the time of rebate. The Company defers fees charged to automobile dealers and recognizes income using the constant yield method for indirect loans and the straight-line method for direct loans over the lives of the respective loans. Charges for late fees are recognized as income when collected.
Finance receivable origination fees and costs	Finance receivable origination fees and costs:
Share-based compensation	Share-based compensation:
Marketing costs	Marketing costs:
Income taxes	Income taxes: When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the more-likely-than-not recognition threshold are measured as the largest amount of tax benefit that is more than 50% likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the accompanying balance sheet along with any associated interest and penalties that would be payable to the taxing authorities upon examination. Interest and penalties associated with unrecognized tax benefits are classified as additional income taxes in the consolidated statements of income. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effects of future tax rate changes are recognized in the period when the enactment of new rates occurs.
Earnings per share	Earnings per share:

Finance Receivables, Credit Q27

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses (Tables)	12 Months Ended
	Dec. 31, 2015
Receivables [Abstract]
Summary of Finance Receivables	Finance receivables for the periods indicated consisted of the following: In thousands 2015 2014 Branch small loans $ 157,755 $ 128,217 Convenience checks 180,402 191,316 Large loans 146,553 46,147 Automobile loans 116,109 154,382 Retail loans 27,625 26,130 Finance receivables $ 628,444 $ 546,192
Contractual Delinquency of the Finance Receivable Portfolio by Component	The contractual delinquency of the finance receivable portfolio by product and aging for the periods indicated are as follows: December 31, 2015 Branch Small Convenience Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % $ % Current $ 123,525 78.3 % $ 147,110 81.6 % $ 127,374 86.9 % $ 79,878 68.8 % $ 22,704 82.2 % $ 500,591 79.7 % 1 to 29 days delinquent 19,465 12.3 % 17,872 9.9 % 14,234 9.7 % 27,518 23.7 % 3,500 12.7 % 82,589 13.1 % Delinquent accounts 30 to 59 days 4,493 2.9 % 4,348 2.4 % 2,157 1.5 % 4,119 3.5 % 537 1.9 % 15,654 2.5 % 60 to 89 days 3,197 2.0 % 3,233 1.8 % 1,153 0.8 % 1,959 1.7 % 316 1.1 % 9,858 1.6 % 90 to 119 days 2,654 1.7 % 2,966 1.6 % 682 0.4 % 1,147 1.0 % 247 1.0 % 7,696 1.1 % 120 to 149 days 2,347 1.5 % 2,581 1.4 % 574 0.4 % 1,003 0.9 % 173 0.6 % 6,678 1.1 % 150 to 179 days 2,074 1.3 % 2,292 1.3 % 379 0.3 % 485 0.4 % 148 0.5 % 5,378 0.9 % Total delinquency $ 14,765 9.4 % $ 15,420 8.5 % $ 4,945 3.4 % $ 8,713 7.5 % $ 1,421 5.1 % $ 45,264 7.2 % Total finance receivables $ 157,755 100.0 % $ 180,402 100.0 % $ 146,553 100.0 % $ 116,109 100.0 % $ 27,625 100.0 % $ 628,444 100.0 % Finance receivables in nonaccrual status $ 7,075 4.5 % $ 7,839 4.3 % $ 1,635 1.1 % $ 2,635 2.3 % $ 568 2.1 % $ 19,752 3.1 % December 31, 2014 Branch Small Convenience Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % $ % Current $ 104,003 81.1 % $ 154,833 80.9 % $ 36,658 79.4 % $ 105,424 68.3 % $ 21,424 82.0 % $ 422,342 77.4 % 1 to 29 days delinquent 13,967 10.9 % 19,318 10.1 % 7,383 16.0 % 38,656 25.0 % 3,390 13.0 % 82,714 15.1 % Delinquent accounts 30 to 59 days 3,647 2.8 % 5,134 2.7 % 1,036 2.3 % 5,651 3.7 % 483 1.8 % 15,951 2.9 % 60 to 89 days 2,275 1.8 % 4,442 2.3 % 483 1.0 % 2,114 1.4 % 310 1.2 % 9,624 1.8 % 90 to 119 days 1,857 1.4 % 3,312 1.8 % 263 0.6 % 1,266 0.8 % 201 0.8 % 6,899 1.2 % 120 to 149 days 1,478 1.2 % 2,343 1.2 % 204 0.4 % 758 0.5 % 205 0.8 % 4,988 0.9 % 150 to 179 days 990 0.8 % 1,934 1.0 % 120 0.3 % 513 0.3 % 117 0.4 % 3,674 0.7 % Total delinquency $ 10,247 8.0 % $ 17,165 9.0 % $ 2,106 4.6 % $ 10,302 6.7 % $ 1,316 5.0 % $ 41,136 7.5 % Total finance receivables $ 128,217 100.0 % $ 191,316 100.0 % $ 46,147 100.0 % $ 154,382 100.0 % $ 26,130 100.0 % $ 546,192 100.0 % Finance receivables in nonaccrual status $ 4,325 3.4 % $ 7,589 4.0 % $ 587 1.3 % $ 2,537 1.6 % $ 523 2.0 % $ 15,561 2.8 %
Summary of Changes in Allowance for Credit Losses	Changes in the allowance for credit losses for the periods indicated are as follows: In thousands 2015 2014 2013 Balance at beginning of year $ 40,511 $ 30,089 $ 23,616 Provision for credit losses 47,348 69,057 39,192 Charge-offs (55,043 ) (58,236 ) (33,750 ) Charge-offs (180+ policy change) — (2,106 ) — Recoveries 4,636 1,707 1,031 Balance at end of year $ 37,452 $ 40,511 $ 30,089
Reconciliation of Allowance for Credit Losses	The following is a reconciliation of the allowance for credit losses by product for the periods indicated: In thousands Balance Provision Charge-offs Recoveries Balance Finance Allowance as Branch small loans $ 6,960 $ 16,000 $ (14,627 ) $ 1,123 $ 9,456 $ 157,755 6.0 % Convenience checks 18,320 17,428 (25,432 ) 1,763 12,079 180,402 6.7 % Large loans 1,980 6,032 (2,762 ) 343 5,593 146,553 3.8 % Automobile loans 11,776 6,285 (10,466 ) 1,233 8,828 116,109 7.6 % Retail loans 1,475 1,603 (1,756 ) 174 1,496 27,625 5.4 % Total $ 40,511 $ 47,348 $ (55,043 ) $ 4,636 $ 37,452 $ 628,444 6.0 % In thousands Balance Provision Charge-offs Charge-offs Recoveries Balance Finance Allowance as Branch small loans $ 5,166 $ 13,760 $ (11,915 ) $ (505 ) $ 454 $ 6,960 $ 128,217 5.4 % Convenience checks 10,204 36,995 (28,782 ) (627 ) 530 18,320 191,316 9.6 % Large loans 2,233 1,985 (2,334 ) (203 ) 299 1,980 46,147 4.3 % Automobile loans 10,827 14,259 (12,939 ) (688 ) 317 11,776 154,382 7.6 % Retail loans 1,659 2,058 (2,266 ) (83 ) 107 1,475 26,130 5.6 % Total $ 30,089 $ 69,057 $ (58,236 ) $ (2,106 ) $ 1,707 $ 40,511 $ 546,192 7.4 % The Company disaggregated “small loans” into “branch small loans” and “convenience checks” during the year ended December 31, 2014 due to a change in the risk characteristics of the convenience check portfolio in that period. In thousands Balance Provision Charge-offs Recoveries Balance Finance Allowance as Small loans $ 11,369 $ 22,620 $ (19,108 ) $ 489 $ 15,370 $ 288,979 5.3 % Large loans 2,753 1,788 (2,630 ) 322 2,233 43,311 5.2 % Automobile loans 8,424 12,094 (9,875 ) 184 10,827 181,126 6.0 % Retail loans 1,070 2,690 (2,137 ) 36 1,659 31,268 5.3 % Total $ 23,616 $ 39,192 $ (33,750 ) $ 1,031 $ 30,089 $ 544,684 5.5 %
Schedule of Impaired Finance Receivables	The following is a summary of impaired finance receivables as of the periods indicated: In thousands 2015 2014 Branch small loans $ 524 $ 582 Convenience checks 485 544 Large loans 2,760 1,260 Automobile loans 3,370 3,698 Retail loans 121 119 Total $ 7,260 $ 6,203
Summary of Finance Receivables Evaluated for Impairment	Following is a summary of finance receivables evaluated for impairment for the periods indicated: December 31, 2015 In thousands Branch Small Convenience Large Automobile Retail Total Impaired receivables specifically evaluated $ 524 $ 485 $ 2,760 $ 3,370 $ 121 $ 7,260 Finance receivables evaluated collectively 157,231 179,917 143,793 112,739 27,504 621,184 Finance receivables outstanding $ 157,755 $ 180,402 $ 146,553 $ 116,109 $ 27,625 $ 628,444 Impaired receivables in nonaccrual status $ 109 $ 95 $ 83 $ 415 $ 17 $ 719 Amount of the specific reserve for impaired accounts $ 142 $ 124 $ 560 $ 862 $ 20 $ 1,708 Amount of the general component of the allowance $ 9,314 $ 11,955 $ 5,033 $ 7,966 $ 1,476 $ 35,744 December 31, 2014 In thousands Branch Small Convenience Large Automobile Retail Total Impaired receivables specifically evaluated $ 582 $ 544 $ 1,260 $ 3,698 $ 119 $ 6,203 Finance receivables evaluated collectively 127,635 190,772 44,887 150,684 26,011 539,989 Finance receivables outstanding $ 128,217 $ 191,316 $ 46,147 $ 154,382 $ 26,130 $ 546,192 Impaired receivables in nonaccrual status $ 140 $ 159 $ 133 $ 559 $ 16 $ 1,007 Amount of the specific reserve for impaired accounts $ 143 $ 165 $ 309 $ 981 $ 18 $ 1,616 Amount of the general component of the allowance $ 6,817 $ 18,155 $ 1,671 $ 10,795 $ 1,457 $ 38,895
Schedule of Average Recorded Investment in Impaired Finance Receivables	Average recorded investment in impaired finance receivables for the periods indicated are as follows: In thousands 2015 2014 Branch small $ 586 $ 1,097 Convenience check 514 1,265 Large 1,523 1,619 Automobile 3,571 4,150 Retail 128 238 Total average recorded investment $ 6,322 $ 8,369

Property and Equipment (Tables)

Property and Equipment (Tables)	12 Months Ended
	Dec. 31, 2015
Property, Plant and Equipment [Abstract]
Summary of Property and Equipment, Net	For the periods indicated, property and equipment consisted of the following: In thousands 2015 2014 Land and building $ 919 $ 922 Furniture, fixtures, and equipment 21,240 18,423 Leasehold improvements 4,548 3,212 Property and equipment cost 26,707 22,557 Less accumulated depreciation 16,266 13,652 Property and equipment, net of accumulated depreciation $ 10,441 $ 8,905

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2015
Leases [Abstract]
Summary of Future Minimum Rent Commitments Under Non-cancellable Operating Leases	Future minimum rent commitments under non-cancellable operating leases in effect as of December 31, 2015 are as follows: In thousands Amount 2016 $ 5,642 2017 4,001 2018 2,511 2019 1,359 2020 652 Thereafter 7 Total $ 14,172

Intangibles (Tables)

Intangibles (Tables)	12 Months Ended
	Dec. 31, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Summary of Gross Carrying Amount and Related Accumulated Amortization of Definite-Lived Intangible Assets	The following table provides the gross carrying amount and related accumulated amortization of definite-lived intangible assets: December 31, 2015 December 31, 2014 In thousands Gross Carrying Accumulated Gross Carrying Accumulated Customer list $ 2,516 $ 2,043 $ 2,516 $ 1,669
Summary of Future Amortization of Intangible Assets	The following table sets forth the future amortization of intangible assets: In thousands Amount 2016 $ 264 2017 164 2018 45 Total $ 473

Other Assets (Tables)

Other Assets (Tables)	12 Months Ended
	Dec. 31, 2015
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Summary of Other Assets	Other assets include the following as of the periods indicated: In thousands 2015 2014 Debt issuance costs, net of accumulated amortization $ 2,693 $ 869 Prepaid expenses 2,240 1,896 Credit insurance receivable 658 873 Income tax receivable — 1,611 Other 403 533 Total $ 5,994 $ 5,782

Long-Term Debt (Tables)

Long-Term Debt (Tables)	12 Months Ended
	Dec. 31, 2015
Summary of the Company's Debt	Following is a summary of the Company’s debt as of the periods indicated: In thousands 2015 2014 Senior revolving credit facility $ 338,281 $ 341,419 Amortizing loan 72,896 — Total long-term debt $ 411,177 $ 341,419 Unused amount of senior revolving credit facility, subject to borrowing base $ 199,719 $ 158,581
Summary of Principal Payments Required on Outstanding Debt	Following is a summary of principal payments required on outstanding debt during each of the next five years: In thousands Amount 2016 $ 33,561 2017 20,092 2018 349,811 2019 7,713 2020 — Total $ 411,177
Variable Interest Entity, Primary Beneficiary [Member]
Schedule of carrying amount of the VIE's assets and liabilities	The carrying amount of VIE assets and liabilities are as follows: In thousands 2015 Assets Cash $ 376 Finance receivables 80,309 Allowance for credit losses (2,588 ) Restricted cash 7,605 Repossessed assets at net realizable value 36 Other assets 1,670 Total assets $ 87,408 Liabilities Long-term debt $ 72,896 Accounts payable and accrued expenses 50 Total liabilities $ 72,946

Interest Rate Cap (Tables)

Interest Rate Cap (Tables)	12 Months Ended
	Dec. 31, 2015
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Summary of Changes in Rate Caps	The following is a summary of changes in the rate caps: In thousands 2015 Balance at beginning of period $ — Purchases 577 Fair value adjustment included as an (increase) in interest expense (457 ) Balance at end of period, included in other assets $ 120

Disclosure About Fair Value o34

Disclosure About Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2015
Fair Value Disclosures [Abstract]
Carrying Amount and Estimated Fair Values of Company's Financial Instruments	The carrying amount and estimated fair values of the Company’s financial instruments summarized by level are as follows: December 31, 2015 December 31, 2014 In thousands Carrying Estimated Carrying Estimated Assets Level 1 inputs Cash $ 7,654 $ 7,654 $ 4,012 $ 4,012 Restricted cash 10,506 10,506 1,901 1,901 Level 2 inputs Interest rate caps 120 120 — — Level 3 inputs Net finance receivables 590,992 590,992 505,681 505,681 Repossessed assets 307 307 556 556 Liabilities Level 3 inputs Long-term debt 411,177 411,177 341,419 341,419
Schedule of Assets Measured at Fair Value on Recurring Basis	The table below presents the balances of assets measured at fair value on a recurring basis by level within the hierarchy: Interest Rate Caps In thousands Total Level 1 Level 2 Level 3 2015 $ 120 $ — $ 120 $ — 2014 $ — $ — $ — $ —
Schedule of Assets Measured at Fair Value on a Nonrecurring Basis	The following table presents the assets carried on the balance sheet by level within the hierarchy as of December 31, 2015 and 2014 for which a nonrecurring change in fair value has been recorded during the years ended December 31, 2015 and 2014: Repossessed Assets In thousands Total Level 1 Level 2 Level 3 Total Losses 2015 $ 307 $ — $ — $ 307 $ 338 2014 $ 556 $ — $ — $ 556 $ 566

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Schedule of Effective Income Tax Reconciliation	Income tax expense was $14.8 million, $9.1 million, and $17.5 million for the years ended December 31, 2015, 2014, and 2013, respectively, which differed from the amount computed by applying the federal income tax rate of 35% to total income before income taxes as a result of the following: In thousands 2015 2014 2013 Federal tax expense at statutory rate $ 13,349 $ 8,379 $ 16,189 Increase (reduction) in income taxes resulting from: State tax, net of federal benefit 1,098 603 1,112 Non-deductible compensation 378 — — Other (51 ) 155 159 $ 14,774 $ 9,137 $ 17,460
Income Tax Expense Attributable to Total Income Before Income Taxes	Income tax expense attributable to total income before income taxes consists of the following for the periods indicated: In thousands 2015 2014 2013 Current: Federal $ 13,037 $ 11,827 $ 18,297 State and local 1,859 1,859 2,457 14,896 13,686 20,754 Deferred: Federal (104 ) (3,958 ) (2,549 ) State and local (18 ) (591 ) (745 ) (122 ) (4,549 ) (3,294 ) Total $ 14,774 $ 9,137 $ 17,460
Net Deferred Tax Assets and Liabilities	Net deferred tax assets and liabilities consist of the following as of the periods indicated: In thousands 2015 2014 Deferred tax assets: Allowance for credit losses $ 14,463 $ 15,620 Share-based compensation 2,241 1,694 Unearned insurance commissions 2,152 1,490 Amortization of intangible assets 661 609 Accrued expenses 475 828 Deferred loan fees 76 134 State net operating loss carryforward 17 69 Other 35 189 Gross deferred tax assets 20,120 20,633 Deferred tax liabilities: Fair market value adjustment of finance receivables 13,469 14,403 Deferred loan costs 2,302 2,283 Tax over book depreciation 1,585 1,403 Prepaid expenses 616 518 Other 166 156 Gross deferred tax liabilities 18,138 18,763 Net deferred tax asset $ 1,982 $ 1,870

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2015
Earnings Per Share [Abstract]
Computation of Basic and Diluted Earnings Per Share	The following schedule reconciles the computation of basic and diluted earnings per share for the periods indicated: In thousands, except per share amounts 2015 2014 2013 Numerator: Net income $ 23,365 $ 14,802 $ 28,794 Denominator: Weighted average shares outstanding for basic earnings per share 12,849 12,701 12,572 Effect of dilutive securities 225 250 322 Weighted average shares adjusted for dilutive securities 13,074 12,951 12,894 Earnings per share: Basic $ 1.82 $ 1.17 $ 2.29 Diluted $ 1.79 $ 1.14 $ 2.23

Share-Based Compensation (Table

Share-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2015
Fair Value of Option Grants	The fair value of option grants are estimated on the grant date using the Black-Scholes option-pricing model with the following weighted-average assumptions for option grants during the periods indicated below. 2015 2014 2013 Expected volatility 47.15 % 42.68 % 47.74 % Expected dividends 0.00 % 0.00 % 0.00 % Expected term (in years) 6.15 6.21 10.00 Risk-free rate 1.62 % 1.94 % 2.03 %
Summary of Company's Stock Option Plan Activity	The following table summarizes the stock option activity for the year ended December 31, 2015: In thousands, except per share amounts Number of Weighted-Average Exercise Price Weighted-Average Aggregate Options outstanding at January 1, 2015 896 $ 11.63 Granted 310 15.25 Exercised (145 ) 6.45 Forfeited (17 ) 15.96 Expired — — Options outstanding at December 31, 2015 1,044 $ 13.36 5.2 $ 3,129 Options exercisable at December 31, 2015 618 $ 11.14 3.0 $ 2,983 Available for grant at December 31, 2015 561
Summary of Additional Stock Option Information	The following table provides additional stock option information for the periods indicated: Year Ended December 31, In thousands, except per share amounts 2015 2014 2013 Weighted-average grant date fair value per share $ 7.13 $ 7.83 $ 12.09 Intrinsic value of options exercised $ 1,524 $ 584 $ 2,448 Fair value of stock options that vested $ 1,207 $ 1,484 $ 517
Summary of Cash Settled Performance Shares Activity	The following table summarizes cash-settled performance unit activity during the year ended December 31, 2015: In thousands, except per share amounts Units Weighted-Average Fair Value Per Unit Non-vested units, beginning of the year 629 $ 1.00 Granted 1,419 1.00 Vested — — Forfeited (125 ) 1.00 Non-vested units, at December 31, 2015 1,923 $ 1.00
Restricted Stock Units (RSUs) [Member]
Summary of Restricted Stock Unit Activity	The following table summarizes restricted stock unit activity during the year ended December 31, 2015: In thousands, except per unit amounts Units Weighted-Average Fair Value Per Unit Non-vested units, beginning of the year 35 $ 17.76 Granted 96 14.89 Vested — — Forfeited (7 ) 17.76 Non-vested units, at December 31, 2015 124 $ 15.55
Summary of Additional Restricted Stock Information	The following table provides additional restricted stock unit information for the periods indicated: Year Ended December 31, 2015 2014 2013 Weighted-average grant date fair value per unit $ 14.89 $ 17.76 $ —
Restricted Stock [Member]
Summary of Additional Restricted Stock Information	The following table provides additional restricted stock information. Year Ended December 31, In thousands, except per share amounts 2015 2014 2013 Weighted-average grant date fair value per share $ 15.36 $ 16.23 $ — Fair value of restricted stock awards that vested $ 2,198 $ 224 $ —
Summary of Restricted Stock Activity	The following table summarizes restricted stock activity during the year ended December 31, 2015: In thousands, except per share amounts Shares Weighted-Average Fair Value Per Share Non-vested shares, beginning of the year 60 $ 15.91 Granted 120 15.36 Vested (145 ) 15.17 Forfeited (12 ) 17.76 Non-vested shares, at December 31, 2015 23 $ 16.74

Credit Insurance Products and38

Credit Insurance Products and Reinsurance of Certain Risks (Tables)	12 Months Ended
	Dec. 31, 2015
Insurance [Abstract]
Premiums Written and Reinsured and Earned Premiums	Following are total net premiums written and reinsured and total earned premiums for the periods indicated: In thousands Net Written Earned 2015 $ 30,812 $ 20,257 2014 17,831 17,385 2013 17,260 16,057

Quarterly Information (unaudi39

Quarterly Information (unaudited) (Tables)	12 Months Ended
	Dec. 31, 2015
Quarterly Financial Information Disclosure [Abstract]
Summary of the Company's Quarterly Financial Information	The following tables summarize the Company’s quarterly financial information for each of the four quarters of 2015 and 2014: 2015 In thousands First Second Third Fourth Total revenue $ 52,524 $ 53,001 $ 55,096 $ 56,685 Provision for credit losses 9,712 12,102 14,085 11,449 General and administrative expenses 32,623 28,243 26,182 28,550 Interest expense 3,604 3,932 4,335 4,350 Income tax 2,502 3,316 3,987 4,969 Net income $ 4,083 $ 5,408 $ 6,507 $ 7,367 Net income per common share: Basic $ 0.32 $ 0.42 $ 0.51 $ 0.57 Diluted $ 0.31 $ 0.41 $ 0.50 $ 0.56 2014 In thousands First Second Third Fourth Total revenue $ 49,581 $ 47,437 $ 53,909 $ 53,792 Provision for credit losses 16,945 13,620 22,542 15,950 General and administrative expenses 19,898 23,198 25,284 28,396 Interest expense 3,763 3,556 3,848 3,780 Income tax 3,365 2,649 838 2,285 Net income $ 5,610 $ 4,414 $ 1,397 $ 3,381 Net income per common share: Basic $ 0.44 $ 0.35 $ 0.11 $ 0.27 Diluted $ 0.43 $ 0.34 $ 0.11 $ 0.26

Nature of Business and Signif40

Nature of Business and Significant Accounting Policies - Additional Information (Detail)	1 Months Ended	12 Months Ended
	Sep. 30, 2014	Dec. 31, 2015LocationOfficeSegment	Dec. 31, 2014Office	Dec. 31, 2013Office
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations		331
Number of offices opened | Office		31	36	43
Number of segment | Segment		1
Contractual delinquent period of loans	180 days	180 days	180 days
Bankruptcy delinquency threshold			60 days
Financing receivable suspended period		90 days
Contractual delinquent period of accrual income		90 days
Fair value of grants		100.00%
Tax benefit		50.00%
Office Building [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Estimated useful lives		39 years
Minimum [Member] | Office Building [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Non cancellable lease period		1 year
Minimum [Member] | Furniture, Fixtures and Equipment [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Estimated useful lives		3 years
Maximum [Member] | Office Building [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Non cancellable lease period		5 years
Maximum [Member] | Furniture, Fixtures and Equipment [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Estimated useful lives		5 years
As Reported [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Contractual delinquent period of loans	365 days
Alabama [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations		50
Georgia [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations		7
New Mexico [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations		18
North Carolina [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations		36
Oklahoma [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations		28
South Carolina [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations		72
Tennessee [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations		21
Texas [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations		98
Virginia [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations		1

Concentrations of Credit Risk -

Concentrations of Credit Risk - Additional Information (Detail)	12 Months Ended
	Dec. 31, 2015
Risks and Uncertainties [Abstract]
Concentration risk, geographic	The Company's portfolio of finance receivables is with customers living in five southeastern states (Alabama, Georgia, North Carolina, South Carolina, and Tennessee), three southwestern states (Oklahoma, New Mexico, and Texas), and one northeastern state (Virginia)

Finance Receivables, Credit Q42

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Finance Receivables (Detail) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	$ 628,444	$ 546,192	$ 544,684
Branch Small [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	157,755	128,217
Convenience Checks [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	180,402	191,316
Large [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	146,553	46,147	43,311
Automobile [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	116,109	154,382	181,126
Retail [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	$ 27,625	$ 26,130	$ 31,268

Finance Receivables, Credit Q43

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Contractual Delinquency of the Finance Receivable Portfolio by Component (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 45,264	$ 41,136
Past due, Percent	7.20%	7.50%
Finance receivables	$ 628,444	$ 546,192	$ 544,684
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 19,752	$ 15,561
Finance receivables in nonaccrual status, Percent	3.10%	2.80%
Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 500,591	$ 422,342
Current, Percent	79.70%	77.40%
1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 82,589	$ 82,714
Past due, Percent	13.10%	15.10%
Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 15,654	$ 15,951
Past due, Percent	2.50%	2.90%
Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 9,858	$ 9,624
Past due, Percent	1.60%	1.80%
Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 7,696	$ 6,899
Past due, Percent	1.10%	1.20%
Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 6,678	$ 4,988
Past due, Percent	1.10%	0.90%
Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 5,378	$ 3,674
Past due, Percent	0.90%	0.70%
Branch Small [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 14,765	$ 10,247
Past due, Percent	9.40%	8.00%
Finance receivables	$ 157,755	$ 128,217
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 7,075	$ 4,325
Finance receivables in nonaccrual status, Percent	4.50%	3.40%
Branch Small [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 123,525	$ 104,003
Current, Percent	78.30%	81.10%
Branch Small [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 19,465	$ 13,967
Past due, Percent	12.30%	10.90%
Branch Small [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 4,493	$ 3,647
Past due, Percent	2.90%	2.80%
Branch Small [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 3,197	$ 2,275
Past due, Percent	2.00%	1.80%
Branch Small [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,654	$ 1,857
Past due, Percent	1.70%	1.40%
Branch Small [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,347	$ 1,478
Past due, Percent	1.50%	1.20%
Branch Small [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,074	$ 990
Past due, Percent	1.30%	0.80%
Convenience Checks [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 15,420	$ 17,165
Past due, Percent	8.50%	9.00%
Finance receivables	$ 180,402	$ 191,316
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 7,839	$ 7,589
Finance receivables in nonaccrual status, Percent	4.30%	4.00%
Convenience Checks [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 147,110	$ 154,833
Current, Percent	81.60%	80.90%
Convenience Checks [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 17,872	$ 19,318
Past due, Percent	9.90%	10.10%
Convenience Checks [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 4,348	$ 5,134
Past due, Percent	2.40%	2.70%
Convenience Checks [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 3,233	$ 4,442
Past due, Percent	1.80%	2.30%
Convenience Checks [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,966	$ 3,312
Past due, Percent	1.60%	1.80%
Convenience Checks [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,581	$ 2,343
Past due, Percent	1.40%	1.20%
Convenience Checks [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,292	$ 1,934
Past due, Percent	1.30%	1.00%
Large [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 4,945	$ 2,106
Past due, Percent	3.40%	4.60%
Finance receivables	$ 146,553	$ 46,147	43,311
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 1,635	$ 587
Finance receivables in nonaccrual status, Percent	1.10%	1.30%
Large [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 127,374	$ 36,658
Current, Percent	86.90%	79.40%
Large [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 14,234	$ 7,383
Past due, Percent	9.70%	16.00%
Large [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,157	$ 1,036
Past due, Percent	1.50%	2.30%
Large [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 1,153	$ 483
Past due, Percent	0.80%	1.00%
Large [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 682	$ 263
Past due, Percent	0.40%	0.60%
Large [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 574	$ 204
Past due, Percent	0.40%	0.40%
Large [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 379	$ 120
Past due, Percent	0.30%	0.30%
Automobile [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 8,713	$ 10,302
Past due, Percent	7.50%	6.70%
Finance receivables	$ 116,109	$ 154,382	181,126
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 2,635	$ 2,537
Finance receivables in nonaccrual status, Percent	2.30%	1.60%
Automobile [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 79,878	$ 105,424
Current, Percent	68.80%	68.30%
Automobile [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 27,518	$ 38,656
Past due, Percent	23.70%	25.00%
Automobile [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 4,119	$ 5,651
Past due, Percent	3.50%	3.70%
Automobile [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 1,959	$ 2,114
Past due, Percent	1.70%	1.40%
Automobile [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 1,147	$ 1,266
Past due, Percent	1.00%	0.80%
Automobile [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 1,003	$ 758
Past due, Percent	0.90%	0.50%
Automobile [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 485	$ 513
Past due, Percent	0.40%	0.30%
Retail [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 1,421	$ 1,316
Past due, Percent	5.10%	5.00%
Finance receivables	$ 27,625	$ 26,130	$ 31,268
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 568	$ 523
Finance receivables in nonaccrual status, Percent	2.10%	2.00%
Retail [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 22,704	$ 21,424
Current, Percent	82.20%	82.00%
Retail [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 3,500	$ 3,390
Past due, Percent	12.70%	13.00%
Retail [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 537	$ 483
Past due, Percent	1.90%	1.80%
Retail [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 316	$ 310
Past due, Percent	1.10%	1.20%
Retail [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 247	$ 201
Past due, Percent	1.00%	0.80%
Retail [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 173	$ 205
Past due, Percent	0.60%	0.80%
Retail [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 148	$ 117
Past due, Percent	0.50%	0.40%

Finance Receivables, Credit Q44

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Additional Information (Detail) - USD ($)	1 Months Ended	3 Months Ended		12 Months Ended
	Sep. 30, 2014	Sep. 30, 2014	Dec. 31, 2013	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Financing Receivable, Allowance for Credit Losses [Line Items]
Charge-offs	$ 2,100,000				$ 2,106,000
Contractual delinquent period of loans	180 days			180 days	180 days
Increase (Decrease) in loss allowance		$ 300,000				$ (3,900,000)
Increase (Decrease) in net income					$ (200,000)	$ 2,400,000
Increase (Decrease) in diluted earnings per share					$ (0.02)	$ 0.19
Recoveries				$ 2,000,000
Sales of previously charged-off loans					$ 0	$ 0
Finance receivable , factors influenced management's decision				The methodology for estimating the allowance for credit losses changed from the trailing eight to trailing six month losses on branch small loans and convenience checks, trailing twelve to trailing ten month losses on large loans, and trailing twelve to trailing eleven month losses on retail loans.
Offsetting pre-tax increase to the allowance for credit losses for qualitative factors						3,700,000
Increase (Decrease) in net income						$ 2,300,000
Increase (Decrease) in diluted earnings per share						$ 0.18
Increase in loss allowance due to change in allowance assumption				$ 500,000
Decrease in net income from a change in allowance assumption				$ (300,000)
Decrease in diluted earnings per share from a change in allowance assumption				$ (0.02)
Allowance for credit losses as percentage of loans			5.50%	6.00%	7.40%	5.50%
Effective life of the large loan product category, previous			12 months	10 months
Effective life of the large loan product category, new			10 months	12 months
Effective life of the small loan product category, previous			8 months
Effective life of the small loan product category, new			6 months
Effective life of the retail loan product category, previous			12 months
Effective life of the retail loan product category, new			11 months
Impaired finance receivables as a percentage of total finance receivables				1.20%	1.10%
Large [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Charge-offs					$ 203,000
Allowance for credit losses as percentage of loans			5.20%	3.80%	4.30%	5.20%
As Reported [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Contractual delinquent period of loans	365 days

Finance Receivables, Credit Q45

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Changes in Allowance for Credit Losses (Detail) - USD ($) $ in Thousands	1 Months Ended	3 Months Ended								12 Months Ended
	Sep. 30, 2014	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Receivables [Abstract]
Balance at beginning of year					$ 40,511				$ 30,089	$ 40,511	$ 30,089	$ 23,616
Provision for credit losses		$ 11,449	$ 14,085	$ 12,102	$ 9,712	$ 15,950	$ 22,542	$ 13,620	$ 16,945	47,348	69,057	39,192
Charge-offs										(55,043)	(58,236)	(33,750)
Charge-offs (180+ policy change)	$ (2,100)										(2,106)
Recoveries										4,636	1,707	1,031
Balance at end of year		$ 37,452				$ 40,511				$ 37,452	$ 40,511	$ 30,089

Finance Receivables, Credit Q46

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Reconciliation of Allowance for Credit Losses (Detail) - USD ($) $ in Thousands	1 Months Ended	3 Months Ended								12 Months Ended
	Sep. 30, 2014	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of year					$ 40,511				$ 30,089	$ 40,511	$ 30,089	$ 23,616
Provision		$ 11,449	$ 14,085	$ 12,102	9,712	$ 15,950	$ 22,542	$ 13,620	16,945	47,348	69,057	39,192
Charge-offs										(55,043)	(58,236)	(33,750)
Charge-offs (180+ policy change)	$ (2,100)										(2,106)
Recoveries										4,636	1,707	1,031
Balance at end of year		37,452				40,511				37,452	40,511	30,089
Finance receivables		$ 628,444				$ 546,192				$ 628,444	$ 546,192	$ 544,684
Allowance as Percentage of Finance Receivable		6.00%				7.40%				6.00%	7.40%	5.50%
Branch Small [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of year					6,960				5,166	$ 6,960	$ 5,166
Provision										16,000	13,760
Charge-offs										(14,627)	(11,915)
Charge-offs (180+ policy change)											(505)
Recoveries										1,123	454
Balance at end of year		$ 9,456				$ 6,960				9,456	6,960	$ 5,166
Finance receivables		$ 157,755				$ 128,217				$ 157,755	$ 128,217
Allowance as Percentage of Finance Receivable		6.00%				5.40%				6.00%	5.40%
Convenience Checks [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of year					18,320				10,204	$ 18,320	$ 10,204
Provision										17,428	36,995
Charge-offs										(25,432)	(28,782)
Charge-offs (180+ policy change)											(627)
Recoveries										1,763	530
Balance at end of year		$ 12,079				$ 18,320				12,079	18,320	10,204
Finance receivables		$ 180,402				$ 191,316				$ 180,402	$ 191,316
Allowance as Percentage of Finance Receivable		6.70%				9.60%				6.70%	9.60%
Large [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of year					1,980				2,233	$ 1,980	$ 2,233	2,753
Provision										6,032	1,985	1,788
Charge-offs										(2,762)	(2,334)	(2,630)
Charge-offs (180+ policy change)											(203)
Recoveries										343	299	322
Balance at end of year		$ 5,593				$ 1,980				5,593	1,980	2,233
Finance receivables		$ 146,553				$ 46,147				$ 146,553	$ 46,147	$ 43,311
Allowance as Percentage of Finance Receivable		3.80%				4.30%				3.80%	4.30%	5.20%
Automobile [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of year					11,776				10,827	$ 11,776	$ 10,827	$ 8,424
Provision										6,285	14,259	12,094
Charge-offs										(10,466)	(12,939)	(9,875)
Charge-offs (180+ policy change)											(688)
Recoveries										1,233	317	184
Balance at end of year		$ 8,828				$ 11,776				8,828	11,776	10,827
Finance receivables		$ 116,109				$ 154,382				$ 116,109	$ 154,382	$ 181,126
Allowance as Percentage of Finance Receivable		7.60%				7.60%				7.60%	7.60%	6.00%
Retail [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of year					$ 1,475				1,659	$ 1,475	$ 1,659	$ 1,070
Provision										1,603	2,058	2,690
Charge-offs										(1,756)	(2,266)	(2,137)
Charge-offs (180+ policy change)											(83)
Recoveries										174	107	36
Balance at end of year		$ 1,496				$ 1,475				1,496	1,475	1,659
Finance receivables		$ 27,625				$ 26,130				$ 27,625	$ 26,130	$ 31,268
Allowance as Percentage of Finance Receivable		5.40%				5.60%				5.40%	5.60%	5.30%
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of year									$ 15,370		$ 15,370	$ 11,369
Provision												22,620
Charge-offs												(19,108)
Recoveries												489
Balance at end of year												15,370
Finance receivables												$ 288,979
Allowance as Percentage of Finance Receivable												5.30%

Finance Receivables, Credit Q47

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Impaired Finance Receivables (Detail) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired finance receivables	$ 7,260	$ 6,203
Branch Small [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired finance receivables	524	582
Convenience Checks [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired finance receivables	485	544
Large [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired finance receivables	2,760	1,260
Automobile [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired finance receivables	3,370	3,698
Retail [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired finance receivables	$ 121	$ 119

Finance Receivables, Credit Q48

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Finance Receivables Evaluated for Impairment (Detail) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	$ 7,260	$ 6,203
Finance receivables evaluated collectively	621,184	539,989
Finance receivables	628,444	546,192	$ 544,684
Impaired receivables in nonaccrual status	719	1,007
Amount of the specific reserve for impaired accounts	1,708	1,616
Amount of the general component of the allowance	35,744	38,895
Branch Small [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	524	582
Finance receivables evaluated collectively	157,231	127,635
Finance receivables	157,755	128,217
Impaired receivables in nonaccrual status	109	140
Amount of the specific reserve for impaired accounts	142	143
Amount of the general component of the allowance	9,314	6,817
Convenience Checks [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	485	544
Finance receivables evaluated collectively	179,917	190,772
Finance receivables	180,402	191,316
Impaired receivables in nonaccrual status	95	159
Amount of the specific reserve for impaired accounts	124	165
Amount of the general component of the allowance	11,955	18,155
Large [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	2,760	1,260
Finance receivables evaluated collectively	143,793	44,887
Finance receivables	146,553	46,147	43,311
Impaired receivables in nonaccrual status	83	133
Amount of the specific reserve for impaired accounts	560	309
Amount of the general component of the allowance	5,033	1,671
Automobile [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	3,370	3,698
Finance receivables evaluated collectively	112,739	150,684
Finance receivables	116,109	154,382	181,126
Impaired receivables in nonaccrual status	415	559
Amount of the specific reserve for impaired accounts	862	981
Amount of the general component of the allowance	7,966	10,795
Retail [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	121	119
Finance receivables evaluated collectively	27,504	26,011
Finance receivables	27,625	26,130	$ 31,268
Impaired receivables in nonaccrual status	17	16
Amount of the specific reserve for impaired accounts	20	18
Amount of the general component of the allowance	$ 1,476	$ 1,457

Finance Receivables, Credit Q49

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Schedule of Average Recorded Investment in Impaired Finance Receivables (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Impaired [Line Items]
Total average recorded investment	$ 6,322	$ 8,369
Branch Small [Member]
Financing Receivable, Impaired [Line Items]
Total average recorded investment	586	1,097
Convenience Checks [Member]
Financing Receivable, Impaired [Line Items]
Total average recorded investment	514	1,265
Large [Member]
Financing Receivable, Impaired [Line Items]
Total average recorded investment	1,523	1,619
Automobile [Member]
Financing Receivable, Impaired [Line Items]
Total average recorded investment	3,571	4,150
Retail [Member]
Financing Receivable, Impaired [Line Items]
Total average recorded investment	$ 128	$ 238

Property and Equipment - Summar

Property and Equipment - Summary of Property and Equipment, Net (Detail) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 26,707	$ 22,557
Less accumulated depreciation	16,266	13,652
Property and equipment, net of accumulated depreciation	10,441	8,905
Land and Building [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, gross	919	922
Furniture, Fixtures and Equipment [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, gross	21,240	18,423
Leasehold Improvements [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, gross	$ 4,548	$ 3,212

Property and Equipment - Additi

Property and Equipment - Additional Information (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Property, Plant and Equipment [Abstract]
Depreciation expense	$ 2.9	$ 2.6	$ 2.2

Leases - Summary of Future Mini

Leases - Summary of Future Minimum Rent Commitments Under Non-cancellable Operating Leases (Detail) $ in Thousands	Dec. 31, 2015USD ($)
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
2,016	$ 5,642
2,017	4,001
2,018	2,511
2,019	1,359
2,020	652
Thereafter	7
Total	$ 14,172

Leases - Additional Information

Leases - Additional Information (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Future Minimum Lease Payments Under Capital Leases And Operating Leases For Continuing Operations [Line Items]
Rent expense	$ 6	$ 5.2	$ 4.3
Minimum [Member]
Future Minimum Lease Payments Under Capital Leases And Operating Leases For Continuing Operations [Line Items]
Lease expiration period	1 year
Maximum [Member]
Future Minimum Lease Payments Under Capital Leases And Operating Leases For Continuing Operations [Line Items]
Lease expiration period	10 years

Goodwill - Additional Informati

Goodwill - Additional Information (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Goodwill and Intangible Assets Disclosure [Abstract]
Impairment losses	$ 0	$ 0
Goodwill acquired during the year	$ 0	$ 0

Intangibles - Summary of Gross

Intangibles - Summary of Gross Carrying Amount and Related Accumulated Amortization of Definite-Lived Intangible Assets (Detail) - Customer List [Member] - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Finite-Lived Intangible Assets [Line Items]
Customer List, Gross Carrying Amount	$ 2,516	$ 2,516
Customer List, Accumulated Amortization	$ 2,043	$ 1,669

Intangibles - Additional Inform

Intangibles - Additional Information (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Goodwill and Intangible Assets Disclosure [Abstract]
Amortization expense for intangible assets	$ 0.4	$ 0.6	$ 0.7

Intangibles - Summary of Future

Intangibles - Summary of Future Amortization of Intangible Assets (Detail) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Goodwill and Intangible Assets Disclosure [Abstract]
2,016	$ 264
2,017	164
2,018	45
Total	$ 473	$ 847

Other Assets - Summary of Other

Other Assets - Summary of Other Assets (Detail) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Deferred Costs, Capitalized, Prepaid, and Other Assets Disclosure [Abstract]
Debt issuance costs, net of accumulated amortization	$ 2,693	$ 869
Prepaid expenses	2,240	1,896
Credit insurance receivable	658	873
Income tax receivable		1,611
Other	403	533
Total	$ 5,994	$ 5,782

Long-Term Debt - Summary of the

Long-Term Debt - Summary of the Company's Debt (Detail) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Schedule Of Long Term Debt [Line Items]
Total	$ 411,177	$ 341,419
Amortizing Loan [Member]
Schedule Of Long Term Debt [Line Items]
Total long-term debt	72,896
Senior Revolving Credit Facility [Member]
Schedule Of Long Term Debt [Line Items]
Senior revolving credit facility	338,281	341,419
Unused amount of senior revolving credit facility, subject to borrowing base	$ 199,719	$ 158,581

Long-Term Debt - Additional Inf

Long-Term Debt - Additional Information (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Line of Credit Facility [Line Items]
Finance receivables	$ 628,444,000	$ 546,192,000	$ 544,684,000
Allowance for credit losses	37,452,000	40,511,000	30,089,000	$ 23,616,000
Cash deposited to restricted cash reserve account	10,506,000	1,901,000
Waterfall [Member]
Line of Credit Facility [Line Items]
Cash deposited to restricted cash reserve account	3,900,000
Secured Line of Credit [Member]
Line of Credit Facility [Line Items]
Secured line of credit	$ 1,500,000
Debt agreement expiration date	Jan. 18, 2015
Interest rate, basis spread	0.25%
Minimum effective interest rate on line of credit	5.00%
Variable Interest Entity, Primary Beneficiary [Member]
Line of Credit Facility [Line Items]
Finance receivables	$ 80,309,000
Allowance for credit losses	2,588,000
Cash deposited to restricted cash reserve account	$ 7,605,000
Servicing fee	4.00%
Bank Overdrafts [Member]
Line of Credit Facility [Line Items]
Overdraft Provision related to line of credit	$ 3,000,000
Automobile [Member]
Line of Credit Facility [Line Items]
Finance receivables	116,109,000	154,382,000	181,126,000
Allowance for credit losses	8,828,000	$ 11,776,000	$ 10,827,000	$ 8,424,000
Asset Backed Loans [Member]
Line of Credit Facility [Line Items]
Amortizing loan, amount	$ 75,700,000
Amortizing loan, maturity date	2022-12
Credit Agreement [Member] | Variable Interest Entity, Primary Beneficiary [Member]
Line of Credit Facility [Line Items]
Allowance for credit losses	$ 2,600,000
Cash deposited to restricted cash reserve account	3,700,000
Decrease in reserve amount	$ 2,000,000
Credit agreement, Interest rate	3.00%
Terms related to loan prepayment	The credit agreement allows RMR to prepay the loan when the outstanding balance falls below 20% of the original loan amount.
Credit Agreement [Member] | Automobile [Member] | Variable Interest Entity, Primary Beneficiary [Member]
Line of Credit Facility [Line Items]
Finance receivables	$ 86,100,000
Senior Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Secured line of credit	$ 538,000,000
Debt agreement expiration date	Sep. 18, 2018
Line of credit facility, accordion feature	$ 600,000,000
Unused line fee per annum	0.50%
Decrease in unused line fee	0.375%
Credit facility, eligible capacity	$ 69,400,000
Percentage of advances on debt agreement eligible secured finance receivables	83.00%
Percentage of advances on debt agreement eligible unsecured finance receivables	68.00%
Current percentage of advances on eligible secured finance receivables	85.00%
Current percentage of advances on eligible unsecured finance receivables	70.00%
Senior Revolving Credit Facility [Member] | Senior Revolving Credit Facility Prior To September 18, 2015 [Member]
Line of Credit Facility [Line Items]
Secured line of credit	$ 500,000,000
Debt agreement expiration date	May 13, 2016
Senior Revolving Credit Facility [Member] | London Interbank Offered Rate (LIBOR) [Member]
Line of Credit Facility [Line Items]
Senior Secured Revolving Credit Facility, Description of Variable Rate Basis	The Company elects between one and six months, with a LIBOR floor of 1.00%, plus a 3.00% margin.
Interest rate, basis spread	3.00%
Minimum effective interest rate on line of credit	1.00%
LIBOR interest rate	0.50%	0.25%
Senior Revolving Credit Facility [Member] | Base Rate [Member]
Line of Credit Facility [Line Items]
Senior Secured Revolving Credit Facility, Description of Variable Rate Basis	The Company may pay interest at a base rate plus 2.00% margin.
Senior Revolving Credit Facility [Member] | Margin Rate [Member]
Line of Credit Facility [Line Items]
Interest rate, basis spread	2.00%
Senior Revolving Credit Facility [Member] | Prime Rate [Member]
Line of Credit Facility [Line Items]
Prime interest rate	3.50%	3.25%

Long-Term Debt - Schedule of ca

Long-Term Debt - Schedule of carrying amount of the VIE's assets and liabilities (Detail) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Assets
Cash	$ 7,654	$ 4,012	$ 4,121	$ 3,298
Finance receivables	628,444	546,192	544,684
Allowance for credit losses	(37,452)	(40,511)	$ (30,089)	$ (23,616)
Restricted cash	10,506	1,901
Repossessed assets at net realizable value	307	556
Other assets	5,994	5,782
Total assets	629,065	530,270
Liabilities
Long-term debt	411,177	341,419
Accounts payable and accrued expenses	12,661	10,528
Total liabilities	423,838	$ 351,947
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	376
Finance receivables	80,309
Allowance for credit losses	(2,588)
Restricted cash	7,605
Repossessed assets at net realizable value	36
Other assets	1,670
Total assets	87,408
Liabilities
Long-term debt	72,896
Accounts payable and accrued expenses	50
Total liabilities	$ 72,946

Long-Term Debt - Summary of Pri

Long-Term Debt - Summary of Principal Payments Required on Outstanding Debt (Detail) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Debt Disclosure [Abstract]
2,016	$ 33,561
2,017	20,092
2,018	349,811
2,019	7,713
2,020	0
Total	$ 411,177	$ 341,419

Interest Rate Caps - Additional

Interest Rate Caps - Additional Information (Detail)	1 Months Ended
	Apr. 30, 2015USD ($)
Derivative [Line Items]
Notional amount of interest rate cap	$ 150,000,000
Strike rate	2.50%
Interest Rate Caps [Member]
Derivative [Line Items]
Maturity period of interest rate caps exchanged	Apr. 1, 2018

Interest Rate Caps - Summary of

Interest Rate Caps - Summary of Change in Rate Caps (Detail) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)
Offsetting [Abstract]
Balance at beginning of period	$ 0
Purchases	577
Fair value adjustment included as an (increase) in interest expense	(457)
Balance at end of period, included in other assets	$ 120

Disclosure About Fair Value o65

Disclosure About Fair Value of Financial Instruments - Additional Information (Detail)	12 Months Ended
	Dec. 31, 2015
Fair Value Disclosures [Abstract]
Turnover rate of loan portfolio	1.5

Disclosure About Fair Value o66

Disclosure About Fair Value of Financial Instruments - Carrying Amount and Estimated Fair Values of Company's Financial Instruments (Detail) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Assets
Interest rate caps	$ 120	$ 0
Net finance receivables	590,992	505,681
Estimated Fair Value [Member] | Level 1 Inputs [Member]
Assets
Cash	7,654	4,012
Restricted cash	10,506	1,901
Estimated Fair Value [Member] | Level 2 Inputs [Member]
Assets
Interest rate caps	120
Estimated Fair Value [Member] | Level 3 Inputs [Member]
Assets
Net finance receivables	590,992	505,681
Repossessed assets	307	556
Liabilities
Long-term debt	411,177	341,419
Carrying Amount [Member] | Level 1 Inputs [Member]
Assets
Cash	7,654	4,012
Restricted cash	10,506	1,901
Carrying Amount [Member] | Level 2 Inputs [Member]
Assets
Interest rate caps	120
Carrying Amount [Member] | Level 3 Inputs [Member]
Assets
Net finance receivables	590,992	505,681
Repossessed assets	307	556
Liabilities
Long-term debt	$ 411,177	$ 341,419

Disclosure About Fair Value o67

Disclosure About Fair Value of Financial Instruments - Schedule of Assets Measured at Fair Value on Recurring Basis (Detail) - Interest Rate Caps [Member] $ in Thousands	Dec. 31, 2015USD ($)
Fair Value Of Assets And Liabilities Measured On Recurring Basis [Line Items]
Assets measured at fair value on a recurring basis	$ 120
Level 2 Inputs [Member]
Fair Value Of Assets And Liabilities Measured On Recurring Basis [Line Items]
Assets measured at fair value on a recurring basis	$ 120

Disclosure About Fair Value o68

Disclosure About Fair Value of Financial Instruments - Schedule of Assets Measured at Fair Value on a Nonrecurring Basis (Detail) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items]
Losses (charged off amount) adjustments to the assets at fair value	$ 338	$ 566
Assets measured at fair value on a nonrecurring basis	307	556
Repossessed Assets [Member] | Level 3 Inputs [Member]
Fair Value Of Assets And Liabilities Measured On Non Recurring Basis [Line Items]
Assets measured at fair value on a nonrecurring basis	$ 307	$ 556

Income Taxes - Additional Infor

Income Taxes - Additional Information (Detail) - USD ($) $ in Thousands

3 Months Ended

12 Months Ended

Dec. 31, 2015

Sep. 30, 2015

Jun. 30, 2015

Mar. 31, 2015

Dec. 31, 2014

Sep. 30, 2014

Jun. 30, 2014

Mar. 31, 2014

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Jan. 28, 2016

Schedule Of Income Taxes [Line Items]

Income tax expense

$ 4,969

$ 3,987

$ 3,316

$ 2,502

$ 2,285

$ 838

$ 2,649

$ 3,365

$ 14,774

$ 9,137

$ 17,460

Federal income tax rate

35.00%

35.00%

35.00%

Cumulative pre-tax book income position period

3 years

3 years

Taxable income generation period

2 years

State net operating loss carryforward

$ 600

$ 2,500

$ 600

$ 2,500

Minimum [Member]

Schedule Of Income Taxes [Line Items]

State net operating loss carryforwards expiration period

2,029

Maximum [Member]

Schedule Of Income Taxes [Line Items]

State net operating loss carryforwards expiration period

2,034

Subsequent Event [Member] | Taxable Fair Market Value of Finance Receivables [Member]

Schedule Of Income Taxes [Line Items]

Adjustment to reclassify current and deferred taxes

$ 2,600

Income Taxes - Schedule of Effe

Income Taxes - Schedule of Effective Income Tax Reconciliation (Detail) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Tax Disclosure [Abstract]
Federal tax expense at statutory rate									$ 13,349	$ 8,379	$ 16,189
Increase (reduction) in income taxes resulting from:
State tax, net of federal benefit									1,098	603	1,112
Non-deductible compensation									378
Other									(51)	155	159
Total	$ 4,969	$ 3,987	$ 3,316	$ 2,502	$ 2,285	$ 838	$ 2,649	$ 3,365	$ 14,774	$ 9,137	$ 17,460

Income Taxes - Income Tax Expen

Income Taxes - Income Tax Expense Attributable to Total Income Before Income Taxes (Detail) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Current:
Federal									$ 13,037	$ 11,827	$ 18,297
State and local									1,859	1,859	2,457
Current total									14,896	13,686	20,754
Deferred:
Federal									(104)	(3,958)	(2,549)
State and local									(18)	(591)	(745)
Deferred total									(122)	(4,549)	(3,294)
Total	$ 4,969	$ 3,987	$ 3,316	$ 2,502	$ 2,285	$ 838	$ 2,649	$ 3,365	$ 14,774	$ 9,137	$ 17,460

Income Taxes - Net Deferred Tax

Income Taxes - Net Deferred Tax Assets and Liabilities (Detail) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Deferred tax assets:
Allowance for credit losses	$ 14,463	$ 15,620
Share-based compensation	2,241	1,694
Unearned insurance commissions	2,152	1,490
Amortization of intangible assets	661	609
Accrued expenses	475	828
Deferred loan fees	76	134
State net operating loss carryforward	17	69
Other	35	189
Gross deferred tax assets	20,120	20,633
Deferred tax liabilities:
Fair market value adjustment of finance receivables	13,469	14,403
Deferred loan costs	2,302	2,283
Tax over book depreciation	1,585	1,403
Prepaid expenses	616	518
Other	166	156
Gross deferred tax liabilities	18,138	18,763
Net deferred tax asset	$ 1,982	$ 1,870

Earnings Per Share - Computatio

Earnings Per Share - Computation of Basic and Diluted Earnings Per Share (Detail) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Numerator:
Net income	$ 7,367	$ 6,507	$ 5,408	$ 4,083	$ 3,381	$ 1,397	$ 4,414	$ 5,610	$ 23,365	$ 14,802	$ 28,794
Denominator:
Weighted average shares outstanding for basic earnings per share									12,849	12,701	12,572
Effect of dilutive securities									225	250	322
Weighted average shares adjusted for dilutive securities									13,074	12,951	12,894
Basic	$ 0.57	$ 0.51	$ 0.42	$ 0.32	$ 0.27	$ 0.11	$ 0.35	$ 0.44	$ 1.82	$ 1.17	$ 2.29
Diluted	$ 0.56	$ 0.50	$ 0.41	$ 0.31	$ 0.26	$ 0.11	$ 0.34	$ 0.43	$ 1.79	$ 1.14	$ 2.23

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Detail) - shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Stock Compensation Plans [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options to purchase common stock, Shares	489,000	478,000	27,000

Employee Benefit Plans - Additi

Employee Benefit Plans - Additional Information (Detail) $ in Millions	12 Months Ended
	Dec. 31, 2015USD ($)Performance	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)
Employee Benefit Plans [Line Items]
Minimum service period required	1 year
Expense of employee related plan	$ 0.6	$ 0.5	$ 0.4
Employment agreement date	Mar. 18, 2013
Expense related to separation agreement with CEO		1.2
Health Insurance Plan [Member]
Employee Benefit Plans [Line Items]
Other employee compensation	$ 4.6	3.9	2.7
Annual Incentive Plan [Member]
Employee Benefit Plans [Line Items]
Other employee compensation	$ 2.3	$ 0.8	$ 0.6
Number of performance metrics | Performance	5
Matching Contribution up to 3% [Member]
Employee Benefit Plans [Line Items]
Matching contribution	100.00%	100.00%	100.00%
Matching Contribution 3 to 5% [Member]
Employee Benefit Plans [Line Items]
Matching contribution	50.00%	50.00%	50.00%
Employee Contribution Matched at 100% [Member]
Employee Benefit Plans [Line Items]
Employee contribution	3.00%	3.00%	3.00%
Employee Contribution Matched at 50% [Member]
Employee Benefit Plans [Line Items]
Employee contribution	2.00%	2.00%	2.00%

Share-based Compensation - Addi

Share-based Compensation - Additional Information (Detail) - USD ($) $ in Millions	Oct. 28, 2013	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Apr. 22, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for grant		561,000
Non-employee director compensation grant period	5 days
Exercise period of options		10 years
Issuance of restricted stock awards		99,000
Expense related to issuance of restricted stock awards		$ 1.5
2015 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for grant		561,000
Long Term Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Performance target for achievement period		3 years
Minimum [Member] | Graded and Cliff Vesting [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period of options		2 years
Minimum [Member] | Long Term Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of performance target for achievement		0.00%
Maximum [Member] | Graded and Cliff Vesting [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period of options		5 years
Maximum [Member] | Long Term Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of performance target for achievement		150.00%
Stock Compensation Plans [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized share-based compensation expense		$ 2.5
Period of recognition of share-based compensation expense		1 year 9 months 18 days
Share-based compensation expense		$ 3.6	$ 2.3	$ 1.6
Stock Compensation Plans [Member] | 2015 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Maximum aggregate number of shares		350,000
Shares available for grant					922,000
Plan description		Subject to adjustments as provided in the 2015 Plan, the maximum aggregate number of shares of the Company’s common stock that may be issued under the 2015 Plan may not exceed the sum of (i) 350 thousand shares plus (ii) any shares (A) remaining available for the grant of awards as of the effective date under the 2007 Plan or the 2011 Plan, and/or (B) subject to an award granted under the 2007 Plan or the 2011 Plan, which award is forfeited, cancelled, terminated, expires, or lapses. As of the effectiveness of the 2015 Plan, there were 922 thousand shares available for grant under the 2015 Plan, inclusive of shares previously available for grant under the 2007 Plan and the 2011 Plan that were rolled over to the 2015 Plan.

Share-based Compensation - Fair

Share-based Compensation - Fair Value of Option Grants (Detail)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Expected volatility	47.15%	42.68%	47.74%
Expected dividends	0.00%	0.00%	0.00%
Expected term (in years)	6 years 1 month 24 days	6 years 2 months 16 days	10 years
Risk-free rate	1.62%	1.94%	2.03%

Share-based Compensation - Summ

Share-based Compensation - Summary of Company's Stock Option Plan Activity (Detail) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)$ / sharesshares
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Number of Shares, Options outstanding, Beginning balance	896
Number of Shares, Granted	310
Number of Shares, Exercised	(145)
Number of Shares, Forfeited	(17)
Number of Shares, Expired	0
Number of Shares, Options outstanding, Ending balance	1,044
Number of Shares, Options exercisable	618
Number of Shares, Available for grant	561
Weighted Average Exercise Price Per Share, Options outstanding, Beginning balance | $ / shares	$ 11.63
Weighted Average Exercise Price Per Share, Granted | $ / shares	15.25
Weighted Average Exercise Price Per Share, Exercised | $ / shares	6.45
Weighted Average Exercise Price Per Share, Forfeited | $ / shares	15.96
Weighted Average Exercise Price Per Share, Expired | $ / shares	0
Weighted Average Exercise Price Per Share, Options outstanding, Ending balance | $ / shares	13.36
Weighted Average Exercise Price Per Share, Options exercisable | $ / shares	$ 11.14
Weighted Average Remaining Contractual Life (Years), Options outstanding	5 years 2 months 12 days
Weighted Average Remaining Contractual Life (Years), Options exercisable	3 years
Aggregate Intrinsic Value, Options outstanding | $	$ 3,129
Aggregate Intrinsic Value, Options exercisable | $	$ 2,983

Share-based Compensation - Su79

Share-based Compensation - Summary of Additional Stock Option Information (Detail) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]
Weighted-average grant date fair value per share	$ 7.13	$ 7.83	$ 12.09
Intrinsic value of options exercised	$ 1,524	$ 584	$ 2,448
Fair value of stock options that vested	$ 1,207	$ 1,484	$ 517

Share-based Compensation - Su80

Share-based Compensation - Summary of Restricted Stock Unit Activity (Detail) - Restricted Stock Units (RSUs) [Member] - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-vested shares, beginning of the year	35
Shares, Granted	96
Shares, Vested	0
Shares, Forfeited	(7)
Non-vested shares, end of the year	124	35
Weighted Average Grant Date Fair Value, Non-vested restricted stock, beginning of the year	$ 17.76
Weighted Average Grant Date Fair Value, Granted	14.89	$ 17.76
Weighted Average Grant Date Fair Value, Vested	0
Weighted Average Grant Date Fair Value, Forfeited	17.76
Weighted Average Grant Date Fair Value, Non-vested restricted stock, end of the period	$ 15.55	$ 17.76

Share-based Compensation - Su81

Share-based Compensation - Summary of Additional Restricted Stock Unit Information (Detail) - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted-average grant date fair value per unit	$ 14.89	$ 17.76

Share-based Compensation - Su82

Share-based Compensation - Summary of Cash Settled Performance Shares Activity (Detail) - Performance Units [Member] shares in Thousands	12 Months Ended
	Dec. 31, 2015$ / sharesshares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-vested shares, beginning of the year | shares	629
Units, Granted | shares	1,419
Units, Vested | shares	0
Units, Forfeited | shares	(125)
Non-vested shares, end of the year | shares	1,923
Weighted Average Grant Date Fair Value, Non-vested restricted stock, beginning of the year | $ / shares	$ 1
Weighted Average Grant Date Fair Value, Granted | $ / shares	1
Weighted Average Grant Date Fair Value, Vested | $ / shares	0
Weighted Average Grant Date Fair Value, Forfeited | $ / shares	1
Weighted Average Grant Date Fair Value, Non-vested restricted stock, end of the period | $ / shares	$ 1

Share-based Compensation - Su83

Share-based Compensation - Summary of Restricted Stock Activity (Detail) - Restricted Stock [Member] - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-vested shares, beginning of the year	60
Shares, Granted	120
Shares, Vested	(145)
Shares, Forfeited	(12)
Non-vested shares, end of the year	23	60
Weighted Average Grant Date Fair Value, Non-vested restricted stock, beginning of the year	$ 15.91
Weighted Average Grant Date Fair Value, Granted	15.36	$ 16.23
Weighted Average Grant Date Fair Value, Vested	15.17
Weighted Average Grant Date Fair Value, Forfeited	17.76
Weighted Average Grant Date Fair Value, Non-vested restricted stock, end of the period	$ 16.74	$ 15.91

Share-based Compensation - Su84

Share-based Compensation - Summary of Additional Restricted Stock Information (Detail) - Restricted Stock [Member] - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted-average grant date fair value per share	$ 15.36	$ 16.23
Fair value of restricted stock awards that vested	$ 2,198	$ 224

Commitments and Contingencies -

Commitments and Contingencies - Additional Information (Detail) $ in Millions	Dec. 31, 2015USD ($)
Commitments and Contingencies Disclosure [Abstract]
Loss contingency accrual	$ 0.5

Credit Insurance Products and86

Credit Insurance Products and Reinsurance of Certain Risks - Premiums Written and Reinsured and Earned Premiums (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Insurance [Abstract]
Net Written Premiums	$ 30,812	$ 17,831	$ 17,260
Earned Premiums	$ 20,257	$ 17,385	$ 16,057

Credit Insurance Products and87

Credit Insurance Products and Reinsurance of Certain Risks - Additional Information (Detail) - USD ($)	1 Months Ended	6 Months Ended	12 Months Ended
	Sep. 30, 2015	Dec. 31, 2015	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Insurance [Line Items]
Increase in letter of credit secured by cash deposit	$ 2,900,000
Letter of credit secured by cash deposit		$ 2,900,000	$ 2,900,000
Restricted cash		10,506,000	$ 10,506,000	$ 1,901,000
Term of CPI Policy			1 year
CPI policy commission earned		0
Recognized revenue			$ 100,000	200,000	$ 200,000
Letter of Credit [Member]
Insurance [Line Items]
Restricted cash		$ 2,900,000	$ 2,900,000	$ 1,900,000

Quarterly Information (Unaudi88

Quarterly Information (Unaudited) - Summary of the Company's Quarterly Financial Information (Detail) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Quarterly Financial Information Disclosure [Abstract]
Total revenue	$ 56,685	$ 55,096	$ 53,001	$ 52,524	$ 53,792	$ 53,909	$ 47,437	$ 49,581	$ 217,306	$ 204,719	$ 170,629
Provision for credit losses	11,449	14,085	12,102	9,712	15,950	22,542	13,620	16,945	47,348	69,057	39,192
General and administrative expenses	28,550	26,182	28,243	32,623	28,396	25,284	23,198	19,898	115,598	96,776	71,039
Interest expense	4,350	4,335	3,932	3,604	3,780	3,848	3,556	3,763	16,221	14,947	14,144
Income tax	4,969	3,987	3,316	2,502	2,285	838	2,649	3,365	14,774	9,137	17,460
Net income	$ 7,367	$ 6,507	$ 5,408	$ 4,083	$ 3,381	$ 1,397	$ 4,414	$ 5,610	$ 23,365	$ 14,802	$ 28,794
Net income per common share:
Basic	$ 0.57	$ 0.51	$ 0.42	$ 0.32	$ 0.27	$ 0.11	$ 0.35	$ 0.44	$ 1.82	$ 1.17	$ 2.29
Diluted	$ 0.56	$ 0.50	$ 0.41	$ 0.31	$ 0.26	$ 0.11	$ 0.34	$ 0.43	$ 1.79	$ 1.14	$ 2.23

Subsequent Events - Additional

Subsequent Events - Additional Information (Detail) - Common Stock [Member] - Subsequent Event [Member]	1 Months Ended
	Feb. 29, 2016USD ($)
Subsequent Event [Line Items]
Stock repurchase program expiration date	Dec. 31, 2017
Maximum [Member]
Subsequent Event [Line Items]
Stock repurchase program, authorized amount	$ 25,000,000