Regional Management (RM) 10-Q 28 Apr 16 2016 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2016	Apr. 26, 2016
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Mar. 31, 2016
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	Q1
Trading Symbol	RM
Entity Registrant Name	Regional Management Corp.
Entity Central Index Key	1,519,401
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		11,997,003

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Assets
Cash	$ 7,436	$ 7,654
Gross finance receivables	761,294	785,042
Unearned finance charges, insurance premiums, and commissions	(153,931)	(156,598)
Finance receivables	607,363	628,444
Allowance for credit losses	(36,230)	(37,452)
Net finance receivables	571,133	590,992
Restricted cash	10,818	10,506
Property and equipment, net of accumulated depreciation	9,888	8,945
Intangible assets, net	2,907	2,410
Deferred tax asset, net	2,453	1,982
Goodwill	716	716
Repossessed assets at net realizable value	467	307
Other assets	3,889	2,861
Total assets	609,707	626,373
Liabilities:
Long-term debt	396,543	411,177
Unamortized debt issuance costs	(2,443)	(2,692)
Net long-term debt	394,100	408,485
Accounts payable and accrued expenses	13,685	12,661
Total liabilities	$ 407,785	$ 421,146
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, 12,939 shares issued and 12,367 shares outstanding at March 31, 2016 and 12,914 shares issued and outstanding at December 31, 2015	$ 1,294	$ 1,291
Additional paid-in-capital	89,565	89,178
Retained earnings	119,934	114,758
Treasury stock, at cost, 572 shares at March 31, 2016	(8,871)
Total stockholders' equity	201,922	205,227
Total liabilities and stockholders' equity	609,707	626,373
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	51	376
Finance receivables	68,954	80,309
Allowance for credit losses	(3,040)	(2,588)
Restricted cash	7,917	7,605
Repossessed assets at net realizable value	249	36
Total assets	74,131	85,738
Liabilities:
Net long-term debt	62,331	71,226
Accounts payable and accrued expenses	32	50
Total liabilities	$ 62,363	$ 71,276

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Mar. 31, 2016	Dec. 31, 2015
Statement of Financial Position [Abstract]
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	12,939,000	12,914,000
Common stock, shares outstanding	12,367,000	12,914,000
Treasury stock, shares	572,000

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Revenue
Interest and fee income	$ 51,300	$ 47,065
Insurance income, net	2,939	2,929
Other income	2,458	2,530
Total revenue	56,697	52,524
Expenses
Provision for credit losses	13,791	9,712
Personnel	17,127	19,760
Occupancy	4,863	4,105
Marketing	1,515	2,471
Other	6,300	6,287
Total general and administrative expenses	29,805	32,623
Interest expense	4,710	3,604
Income before income taxes	8,391	6,585
Income taxes	3,215	2,502
Net income	$ 5,176	$ 4,083
Net income per common share:
Basic	$ 0.41	$ 0.32
Diluted	$ 0.40	$ 0.31
Weighted average shares outstanding:
Basic	12,756	12,838
Diluted	12,949	13,061

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity (Unaudited) - USD ($) shares in Thousands, $ in Thousands	Total	Common Stock [Member]	Additional Paid-in-Capital [Member]	Retained Earnings [Member]	Treasury Stock [Member]
Beginning Balance at Dec. 31, 2014	$ 178,323	$ 1,275	$ 85,655	$ 91,393
Beginning Balance, shares at Dec. 31, 2014		12,748
Issuance of restricted stock awards		$ 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
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
Issuance of restricted stock awards		$ 1	(1)
Issuance of restricted stock awards, shares		15
Proceeds from exercise of stock options	$ 4	$ 4
Proceeds from exercise of stock options, shares	33	33
Excess tax benefit from exercise of stock options	$ 34		$ 34
Repurchase of common stock	$ (8,871)				$ (8,871)
Repurchase of common stock, shares	0	0	0	0	0
Shares withheld related to net share settlement	$ (96)	$ (2)	$ (94)
Shares withheld related to net share settlement, shares		(23)
Share-based compensation	448		448
Net income	5,176			$ 5,176
Ending Balance at Mar. 31, 2016	$ 201,922	$ 1,294	$ 89,565	$ 119,934	$ (8,871)
Ending Balance, shares at Mar. 31, 2016		12,939

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Cash flows from operating activities:
Net income	$ 5,176	$ 4,083
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	13,791	9,712
Depreciation and amortization	1,531	883
(Gain) loss on disposal of property and equipment	(5)	362
Accretion of discounts on purchased receivables		(8)
Share-based compensation	448	1,906
Fair value adjustment on interest rate caps	124
Deferred income taxes, net	(471)	498
Changes in operating assets and liabilities:
(Increase) decrease in other assets	(1,323)	2,413
Increase in other liabilities	998	580
Net cash provided by operating activities	20,269	20,429
Cash flows from investing activities:
Net repayments of finance receivables	6,069	7,020
Purchase of intangible assets	(827)	(27)
Increase in restricted cash	(312)
Purchase of property and equipment	(1,772)	(276)
Insurance proceeds from loss on disposal of property and equipment	41
Net cash provided by investing activities	3,199	6,717
Cash flows from financing activities:
Net payments on senior revolving credit facility	(5,588)	(28,881)
Payments on amortizing loan	(8,949)
Payments for debt issuance costs	(247)	(1)
Taxes paid related to net share settlement of equity awards	(92)	(283)
Excess tax benefits from exercise of stock options	61	67
Repurchase of common stock	(8,871)
Net cash used in financing activities	(23,686)	(29,098)
Net change in cash	(218)	(1,952)
Cash at beginning of period	7,654	4,012
Cash at end of period	7,436	2,060
Supplemental cash flow information
Interest paid	4,161	3,478
Income taxes paid	$ 1,646	$ 320

Nature of Business

Nature of Business	3 Months Ended
	Mar. 31, 2016
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Nature of Business	Note 1. Nature of Business Regional Management Corp. (the “ Company Seasonality:

Basis of Presentation and Signi

Basis of Presentation and Significant Accounting Policies	3 Months Ended
	Mar. 31, 2016
Accounting Policies [Abstract]
Basis of Presentation and Significant Accounting Policies	Note 2. Basis of Presentation and Significant Accounting Policies Basis of presentation: SEC GAAP Significant accounting policies: Business segments: Principles of consolidation: VIE Treasury stock: 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. 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, contingent liabilities on litigation matters, and the allocation of the purchase price to assets acquired in business combinations. Reclassifications: Recent accounting pronouncements: FASB In February 2016, the FASB issued an accounting update to increase transparency and comparability of accounting for lease transactions. The update requires all leases to be recognized on the balance sheet as lease assets and lease liabilities and requires both quantitative and qualitative disclosures regarding key information about leasing arrangements. All of the Company’s leases are currently classified as operating leases with no lease assets or lease liabilities recorded. The update is effective for annual and interim periods beginning after December 15, 2018, and early adoption is permitted. The Company is currently evaluating the potential impact of this update on the consolidated financial statements. In March 2016, the FASB issued an accounting update to simplify the accounting for share-based compensation, including the accounting for forfeitures, the statutory tax withholding requirements, the accounting for income taxes, and the classification of share-based compensation transactions in the statement of cash flows. The key provision of the update is the requirement for the excess tax benefits or tax deficiencies from the exercise or vesting of share-based awards to flow through the statement of income rather than through additional paid-in-capital on the balance sheet. The standard is effective for interim and annual reporting periods beginning after December 15, 2016, and early adoption is permitted. The Company is currently evaluating the potential impact of this update on the consolidated financial statements.

Finance Receivables, Credit Qua

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses	3 Months Ended
	Mar. 31, 2016
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 March 31, December 31, Branch small loans $ 148,700 $ 157,755 Convenience checks 161,802 180,402 Large loans 162,301 146,553 Automobile loans 106,297 116,109 Retail loans 28,263 27,625 Finance receivables $ 607,363 $ 628,444 The contractual delinquency of the finance receivable portfolio by product and aging for the periods indicated are as follows: March 31, 2016 Branch Small Convenience Check Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % $ % Current $ 120,022 80.7 % $ 134,749 83.3 % $ 145,164 89.5 % $ 81,675 76.8 % $ 24,191 85.6 % $ 505,801 83.3 % 1 to 29 days past due 16,051 10.8 % 14,702 9.1 % 11,576 7.1 % 18,502 17.4 % 2,855 10.1 % 63,686 10.5 % Delinquent accounts 30 to 59 days 3,590 2.4 % 3,470 2.1 % 1,952 1.2 % 2,587 2.4 % 387 1.3 % 11,986 1.9 % 60 to 89 days 2,641 1.8 % 2,550 1.6 % 1,175 0.7 % 1,032 1.0 % 242 0.9 % 7,640 1.3 % 90 to 119 days 2,344 1.6 % 2,220 1.3 % 1,121 0.7 % 1,177 1.1 % 237 0.8 % 7,099 1.1 % 120 to 149 days 2,093 1.4 % 2,040 1.3 % 748 0.5 % 845 0.8 % 188 0.7 % 5,914 1.0 % 150 to 179 days 1,959 1.3 % 2,071 1.3 % 565 0.3 % 479 0.5 % 163 0.6 % 5,237 0.9 % Total delinquency $ 12,627 8.5 % $ 12,351 7.6 % $ 5,561 3.4 % $ 6,120 5.8 % $ 1,217 4.3 % $ 37,876 6.2 % Total finance receivables $ 148,700 100.0 % $ 161,802 100.0 % $ 162,301 100.0 % $ 106,297 100.0 % $ 28,263 100.0 % $ 607,363 100.0 % Finance receivables in nonaccrual status $ 6,396 4.3 % $ 6,331 3.9 % $ 2,434 1.5 % $ 2,501 2.4 % $ 588 2.1 % $ 18,250 3.0 % December 31, 2015 Branch Small Convenience Check 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 past due 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 % Changes in the allowance for credit losses for the periods indicated are as follows: Three Months Ended In thousands 2016 2015 Balance at beginning of period $ 37,452 $ 40,511 Provision for credit losses 13,791 9,712 Charge-offs (16,195 ) (14,108 ) Recoveries 1,182 835 Balance at end of period $ 36,230 $ 36,950 The following is a reconciliation of the allowance for credit losses by product for the periods indicated: In thousands Balance 2016 Provision Charge-offs Recoveries Balance 2016 Finance Allowance as Branch small loans $ 9,456 $ 4,573 $ (5,243 ) $ 359 $ 9,145 $ 148,700 6.1 % Convenience checks 12,079 5,578 (6,705 ) 454 11,406 161,802 7.0 % Large loans 5,593 1,656 (1,287 ) 114 6,076 162,301 3.7 % Automobile loans 8,828 1,430 (2,438 ) 208 8,028 106,297 7.6 % Retail loans 1,496 554 (522 ) 47 1,575 28,263 5.6 % Total $ 37,452 $ 13,791 $ (16,195 ) $ 1,182 $ 36,230 $ 607,363 6.0 % In thousands Balance 2015 Provision Charge-offs Recoveries Balance 2015 Finance Allowance as Branch small loans $ 6,960 $ 2,926 $ (3,333 ) $ 197 $ 6,750 $ 121,649 5.5 % Convenience checks 18,320 1,708 (6,527 ) 289 13,790 170,013 8.1 % Large loans 1,980 1,578 (512 ) 73 3,119 63,338 4.9 % Automobile loans 11,776 3,120 (3,304 ) 241 11,833 146,724 8.1 % Retail loans 1,475 380 (432 ) 35 1,458 24,183 6.0 % Total $ 40,511 $ 9,712 $ (14,108 ) $ 835 $ 36,950 $ 525,907 7.0 % Impaired finance receivables as a percentage of total finance receivables were 1.3% and 1.2% as of March 31, 2016 and December 31, 2015, respectively. The following is a summary of impaired finance receivables as of the periods indicated: In thousands March 31, December 31, Branch small loans $ 817 $ 524 Convenience checks 557 485 Large loans 3,647 2,760 Automobile loans 2,892 3,370 Retail loans 111 121 Total $ 8,024 $ 7,260 Following is a summary of finance receivables evaluated for impairment for the periods indicated: March 31, 2016 In thousands Branch Small Convenience Large Automobile Retail Total Impaired receivables specifically evaluated $ 817 $ 557 $ 3,647 $ 2,892 $ 111 $ 8,024 Finance receivables evaluated collectively 147,883 161,245 158,654 103,405 28,152 599,339 Finance receivables outstanding $ 148,700 $ 161,802 $ 162,301 $ 106,297 $ 28,263 $ 607,363 Impaired receivables in nonaccrual status $ 91 $ 57 $ 195 $ 191 $ 5 $ 539 Amount of the specific reserve for impaired accounts $ 190 $ 127 $ 602 $ 710 $ 18 $ 1,647 Amount of the general component of the allowance $ 8,955 $ 11,279 $ 5,474 $ 7,318 $ 1,557 $ 34,583 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 Average recorded investment in impaired finance receivables for the periods indicated are as follows: Three Months Ended In thousands 2016 2015 Branch small $ 561 $ 591 Convenience check 443 524 Large 3,182 1,263 Automobile 3,117 3,677 Retail 116 121 Total average recorded investment $ 7,419 $ 6,176 It is not practical to compute the amount of interest earned on impaired loans.

Intangibles

Intangibles	3 Months Ended
	Mar. 31, 2016
Goodwill and Intangible Assets Disclosure [Abstract]
Intangibles	Note 4. Intangibles The following table provides the gross carrying amount and related accumulated amortization of definite-lived intangible assets: March 31, 2016 December 31, 2015 In thousands Gross Carrying Accumulated Net Amount Gross Carrying Accumulated Net Customer list $ 2,485 $ (2,078 ) $ 407 $ 2,516 $ (2,044 ) $ 472 Software 5,015 (2,515 ) 2,500 4,173 (2,235 ) 1,938 Total intangible assets $ 7,500 $ (4,593 ) $ 2,907 $ 6,689 $ (4,279 ) $ 2,410 Intangible amortization expense for the three months ended March 31, 2016 and 2015 totaled $0.3 million and $0.2 million, respectively. The following table sets forth the future amortization of intangible assets: In thousands Amount 2016 $ 1,599 2017 433 2018 260 2019 148 2020 141 Thereafter 326 Total $ 2,907

Interest Rate Caps

Interest Rate Caps	3 Months Ended
	Mar. 31, 2016
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Interest Rate Caps	Note 5. Interest Rate Caps The Company has purchased interest rate cap contracts with an aggregate notional principal amount of $200.0 million and 2.50% strike rates against the one-month LIBOR. $150.0 million of these contracts expire in April 2018, with the remaining $50.0 million expiring in March 2019. When the one-month LIBOR exceeds 2.50%, the counterparty reimburses the Company for the excess over 2.50%. No payment is required by the Company or the counterparty when the one-month LIBOR is below 2.50%. The following is a summary of changes in the rate caps: In thousands Three Months Ended Balance at beginning of period $ 120 Purchases 112 Fair value adjustment included as an (increase) in interest expense (124 ) Balance at end of period, included in other assets $ 108

Long-Term Debt

Long-Term Debt	3 Months Ended
	Mar. 31, 2016
Debt Disclosure [Abstract]
Long-Term Debt	Note 6. Long-Term Debt Following is a summary of the Company’s long-term debt as of the periods indicated: March 31, 2016 December 31, 2015 In thousands Long-term Unamortized Net Long-term Debt Long-term Unamortized Net Long-term Debt Senior revolving credit facility $ 332,694 $ (925 ) $ 331,769 $ 338,281 $ (1,022 ) $ 337,259 Amortizing loan 63,849 (1,518 ) 62,331 72,896 (1,670 ) 71,226 Total $ 396,543 $ (2,443 ) $ 394,100 $ 411,177 $ (2,692 ) $ 408,485 Unused amount of senior revolving credit facility (subject to borrowing base) $ 205,306 $ 199,719 Advances on the senior revolving credit 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 March 31, 2016). As of March 31, 2016, the Company had $79.5 million of eligible capacity under the facility. The facility also contains restrictive covenants and monthly and annual reporting requirements to the banks. At March 31, 2016, the Company was in compliance with all debt covenants. 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 $4.2 million as of March 31, 2016. 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 permitted 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. The carrying amount of VIE assets and liabilities are as follows: In thousands March 31, December 31, Assets Cash $ 51 $ 376 Finance receivables 68,954 80,309 Allowance for credit losses (3,040 ) (2,588 ) Restricted cash 7,917 7,605 Repossessed assets at net realizable value 249 36 Total assets $ 74,131 $ 85,738 Liabilities Net long-term debt $ 62,331 $ 71,226 Accounts payable and accrued expenses 32 50 Total liabilities $ 62,363 $ 71,276

Stockholders' Equity

Stockholders' Equity	3 Months Ended
	Mar. 31, 2016
Equity [Abstract]
Stockholders' Equity	Note 7. Stockholders’ Equity Stock repurchase: Board

Disclosure About Fair Value of

Disclosure About Fair Value of Financial Instruments	3 Months Ended
	Mar. 31, 2016
Fair Value Disclosures [Abstract]
Disclosure About Fair Value of Financial Instruments	Note 8. 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: March 31, 2016 December 31, 2015 In thousands Carrying Estimated Carrying Estimated Assets Level 1 inputs Cash $ 7,436 $ 7,436 $ 7,654 $ 7,654 Restricted cash 10,818 10,818 10,506 10,506 Level 2 inputs Interest rate caps 108 108 120 120 Level 3 inputs Net finance receivables 571,133 571,133 590,992 590,992 Repossessed assets 467 467 307 307 Liabilities Level 3 inputs Long-term debt 396,543 396,543 411,177 411,177 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.

Earnings Per Share

Earnings Per Share	3 Months Ended
	Mar. 31, 2016
Earnings Per Share [Abstract]
Earnings Per Share	Note 9. Earnings Per Share The following schedule reconciles the computation of basic and diluted earnings per share for the periods indicated: Three Months Ended In thousands, except per share amounts 2016 2015 Numerator: Net income $ 5,176 $ 4,083 Denominator: Weighted average shares outstanding for basic earnings per share 12,756 12,838 Effect of dilutive securities 193 223 Weighted average shares adjusted for dilutive securities 12,949 13,061 Earnings per share: Basic $ 0.41 $ 0.32 Diluted $ 0.40 $ 0.31 Options to purchase 638 thousand and 332 thousand shares of common stock were outstanding during the three months ended March 31, 2016 and 2015, respectively, but were not included in the computation of diluted earnings per share because they were anti-dilutive.

Share-Based Compensation

Share-Based Compensation	3 Months Ended
	Mar. 31, 2016
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Share-Based Compensation	Note 10. Share-Based Compensation The Company previously adopted the 2007 Management Incentive Plan (the “ 2007 Plan 2011 Plan 2015 Plan For the three months ended March 31, 2016 and 2015, the Company recorded share-based compensation expense of $0.5 million and $1.9 million, respectively. As of March 31, 2016, unrecognized share-based compensation expense to be recognized over future periods approximated $5.9 million. This amount will be recognized as expense over a weighted-average period of 2.1 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. 2016 Expected volatility 46.20 % Expected dividends 0.00 % Expected term (in years) 6.00 Risk-free rate 1.44 % Expected volatility is based on the Company’s historical stock price volatility. The expected term is calculated by using the simplified method (average of the vesting and original contractual terms) due to insufficient historical data to estimate the expected term. 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 three months ended March 31, 2016: In thousands, except per share amounts Number of Weighted-Average Price Per Share Weighted-Average Aggregate Options outstanding at January 1, 2016 1,044 $ 13.36 Granted 158 17.08 Exercised (33 ) 8.38 Forfeited (4 ) 15.66 Expired — — Options outstanding at March 31, 2016 1,165 $ 13.99 5.7 $ 4,166 Options exercisable at March 31, 2016 617 $ 11.54 3.0 $ 3,627 Available for grant at March 31, 2016 287 The following table provides additional stock option information for the periods indicated: Three Months Ended In thousands, except per share amounts 2016 2015 Weighted-average grant date fair value per share $ 7.74 $ 7.33 Intrinsic value of options exercised $ 248 $ 258 Fair value of stock options that vested $ 302 $ 439 Restricted stock units: The following table summarizes restricted stock unit activity during the three months ended March 31, 2016. No restricted stock units were granted in the three months ended March 31, 2015: In thousands, except per unit amounts Units Weighted-Average Fair Value Non-vested units, beginning of the year 124 $ 15.55 Granted 71 17.08 Vested — — Forfeited (1 ) 15.59 Non-vested units, at March 31, 2016 194 $ 16.11 Cash-settled performance units: The following table summarizes cash-settled performance unit activity during the three months ended March 31, 2016. No cash-settled performance units were granted in the three months ended March 31, 2015: In thousands, except per unit amounts Units Weighted-Average Fair Value Non-vested units, beginning of the year 1,923 $ 1.00 Granted 1,221 1.00 Vested — — Forfeited (21 ) 1.00 Non-vested units, at March 31, 2016 3,123 $ 1.00 Restricted stock awards: The following table summarizes restricted stock activity during the three months ended March 31, 2016: In thousands, except per share amounts Shares Weighted-Average Fair Value Non-vested shares, beginning of the year 23 $ 16.74 Granted 15 17.08 Vested — — Forfeited — — Non-vested shares, at March 31, 2016 38 $ 16.87 The following table provides additional restricted stock information: Three Months Ended In thousands, except per share amounts 2016 2015 Weighted-average grant date fair value per share $ 17.08 $ 15.10 Fair value of restricted stock awards that vested $ — $ 1,500

Commitments and Contingencies

Commitments and Contingencies	3 Months Ended
	Mar. 31, 2016
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Note 11. 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 stockholders (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 March 31, 2016, the Company had 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.

Basis of Presentation and Sig18

Basis of Presentation and Significant Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2016
Accounting Policies [Abstract]
Basis of presentation	Basis of presentation: SEC GAAP
Business segments	Business segments:
Principles of consolidation	Principles of consolidation: VIE
Treasury stock	Treasury stock:
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.
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, contingent liabilities on litigation matters, and the allocation of the purchase price to assets acquired in business combinations.
Reclassifications	Reclassifications:
Recent accounting pronouncements	Recent accounting pronouncements: FASB In February 2016, the FASB issued an accounting update to increase transparency and comparability of accounting for lease transactions. The update requires all leases to be recognized on the balance sheet as lease assets and lease liabilities and requires both quantitative and qualitative disclosures regarding key information about leasing arrangements. All of the Company’s leases are currently classified as operating leases with no lease assets or lease liabilities recorded. The update is effective for annual and interim periods beginning after December 15, 2018, and early adoption is permitted. The Company is currently evaluating the potential impact of this update on the consolidated financial statements. In March 2016, the FASB issued an accounting update to simplify the accounting for share-based compensation, including the accounting for forfeitures, the statutory tax withholding requirements, the accounting for income taxes, and the classification of share-based compensation transactions in the statement of cash flows. The key provision of the update is the requirement for the excess tax benefits or tax deficiencies from the exercise or vesting of share-based awards to flow through the statement of income rather than through additional paid-in-capital on the balance sheet. The standard is effective for interim and annual reporting periods beginning after December 15, 2016, and early adoption is permitted. The Company is currently evaluating the potential impact of this update on the consolidated financial statements.

Finance Receivables, Credit Q19

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses (Tables)	3 Months Ended
	Mar. 31, 2016
Receivables [Abstract]
Summary of Finance Receivables	Finance receivables for the periods indicated consisted of the following: In thousands March 31, December 31, Branch small loans $ 148,700 $ 157,755 Convenience checks 161,802 180,402 Large loans 162,301 146,553 Automobile loans 106,297 116,109 Retail loans 28,263 27,625 Finance receivables $ 607,363 $ 628,444
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: March 31, 2016 Branch Small Convenience Check Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % $ % Current $ 120,022 80.7 % $ 134,749 83.3 % $ 145,164 89.5 % $ 81,675 76.8 % $ 24,191 85.6 % $ 505,801 83.3 % 1 to 29 days past due 16,051 10.8 % 14,702 9.1 % 11,576 7.1 % 18,502 17.4 % 2,855 10.1 % 63,686 10.5 % Delinquent accounts 30 to 59 days 3,590 2.4 % 3,470 2.1 % 1,952 1.2 % 2,587 2.4 % 387 1.3 % 11,986 1.9 % 60 to 89 days 2,641 1.8 % 2,550 1.6 % 1,175 0.7 % 1,032 1.0 % 242 0.9 % 7,640 1.3 % 90 to 119 days 2,344 1.6 % 2,220 1.3 % 1,121 0.7 % 1,177 1.1 % 237 0.8 % 7,099 1.1 % 120 to 149 days 2,093 1.4 % 2,040 1.3 % 748 0.5 % 845 0.8 % 188 0.7 % 5,914 1.0 % 150 to 179 days 1,959 1.3 % 2,071 1.3 % 565 0.3 % 479 0.5 % 163 0.6 % 5,237 0.9 % Total delinquency $ 12,627 8.5 % $ 12,351 7.6 % $ 5,561 3.4 % $ 6,120 5.8 % $ 1,217 4.3 % $ 37,876 6.2 % Total finance receivables $ 148,700 100.0 % $ 161,802 100.0 % $ 162,301 100.0 % $ 106,297 100.0 % $ 28,263 100.0 % $ 607,363 100.0 % Finance receivables in nonaccrual status $ 6,396 4.3 % $ 6,331 3.9 % $ 2,434 1.5 % $ 2,501 2.4 % $ 588 2.1 % $ 18,250 3.0 % December 31, 2015 Branch Small Convenience Check 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 past due 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 %
Summary of Changes in Allowance for Credit Losses	Changes in the allowance for credit losses for the periods indicated are as follows: Three Months Ended In thousands 2016 2015 Balance at beginning of period $ 37,452 $ 40,511 Provision for credit losses 13,791 9,712 Charge-offs (16,195 ) (14,108 ) Recoveries 1,182 835 Balance at end of period $ 36,230 $ 36,950
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 2016 Provision Charge-offs Recoveries Balance 2016 Finance Allowance as Branch small loans $ 9,456 $ 4,573 $ (5,243 ) $ 359 $ 9,145 $ 148,700 6.1 % Convenience checks 12,079 5,578 (6,705 ) 454 11,406 161,802 7.0 % Large loans 5,593 1,656 (1,287 ) 114 6,076 162,301 3.7 % Automobile loans 8,828 1,430 (2,438 ) 208 8,028 106,297 7.6 % Retail loans 1,496 554 (522 ) 47 1,575 28,263 5.6 % Total $ 37,452 $ 13,791 $ (16,195 ) $ 1,182 $ 36,230 $ 607,363 6.0 % In thousands Balance 2015 Provision Charge-offs Recoveries Balance 2015 Finance Allowance as Branch small loans $ 6,960 $ 2,926 $ (3,333 ) $ 197 $ 6,750 $ 121,649 5.5 % Convenience checks 18,320 1,708 (6,527 ) 289 13,790 170,013 8.1 % Large loans 1,980 1,578 (512 ) 73 3,119 63,338 4.9 % Automobile loans 11,776 3,120 (3,304 ) 241 11,833 146,724 8.1 % Retail loans 1,475 380 (432 ) 35 1,458 24,183 6.0 % Total $ 40,511 $ 9,712 $ (14,108 ) $ 835 $ 36,950 $ 525,907 7.0 %
Schedule of Impaired Finance Receivables	The following is a summary of impaired finance receivables as of the periods indicated: In thousands March 31, December 31, Branch small loans $ 817 $ 524 Convenience checks 557 485 Large loans 3,647 2,760 Automobile loans 2,892 3,370 Retail loans 111 121 Total $ 8,024 $ 7,260
Summary of Finance Receivables Evaluated for Impairment	Following is a summary of finance receivables evaluated for impairment for the periods indicated: March 31, 2016 In thousands Branch Small Convenience Large Automobile Retail Total Impaired receivables specifically evaluated $ 817 $ 557 $ 3,647 $ 2,892 $ 111 $ 8,024 Finance receivables evaluated collectively 147,883 161,245 158,654 103,405 28,152 599,339 Finance receivables outstanding $ 148,700 $ 161,802 $ 162,301 $ 106,297 $ 28,263 $ 607,363 Impaired receivables in nonaccrual status $ 91 $ 57 $ 195 $ 191 $ 5 $ 539 Amount of the specific reserve for impaired accounts $ 190 $ 127 $ 602 $ 710 $ 18 $ 1,647 Amount of the general component of the allowance $ 8,955 $ 11,279 $ 5,474 $ 7,318 $ 1,557 $ 34,583 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
Schedule of Average Recorded Investment in Impaired Finance Receivables	Average recorded investment in impaired finance receivables for the periods indicated are as follows: Three Months Ended March 31, In thousands 2016 2015 Branch small $ 561 $ 591 Convenience check 443 524 Large 3,182 1,263 Automobile 3,117 3,677 Retail 116 121 Total average recorded investment $ 7,419 $ 6,176

Intangibles (Tables)

Intangibles (Tables)	3 Months Ended
	Mar. 31, 2016
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: March 31, 2016 December 31, 2015 In thousands Gross Carrying Accumulated Net Amount Gross Carrying Accumulated Net Customer list $ 2,485 $ (2,078 ) $ 407 $ 2,516 $ (2,044 ) $ 472 Software 5,015 (2,515 ) 2,500 4,173 (2,235 ) 1,938 Total intangible assets $ 7,500 $ (4,593 ) $ 2,907 $ 6,689 $ (4,279 ) $ 2,410
Summary of Future Amortization of Intangible Assets	The following table sets forth the future amortization of intangible assets: In thousands Amount 2016 $ 1,599 2017 433 2018 260 2019 148 2020 141 Thereafter 326 Total $ 2,907

Interest Rate Caps (Tables)

Interest Rate Caps (Tables)	3 Months Ended
	Mar. 31, 2016
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 Three Months Ended Balance at beginning of period $ 120 Purchases 112 Fair value adjustment included as an (increase) in interest expense (124 ) Balance at end of period, included in other assets $ 108

Long-Term Debt (Tables)

Long-Term Debt (Tables)	3 Months Ended
	Mar. 31, 2016
Summary of the Company's Debt	Following is a summary of the Company’s long-term debt as of the periods indicated: March 31, 2016 December 31, 2015 In thousands Long-term Unamortized Net Long-term Debt Long-term Unamortized Net Long-term Debt Senior revolving credit facility $ 332,694 $ (925 ) $ 331,769 $ 338,281 $ (1,022 ) $ 337,259 Amortizing loan 63,849 (1,518 ) 62,331 72,896 (1,670 ) 71,226 Total $ 396,543 $ (2,443 ) $ 394,100 $ 411,177 $ (2,692 ) $ 408,485 Unused amount of senior revolving credit facility (subject to borrowing base) $ 205,306 $ 199,719
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 March 31, December 31, Assets Cash $ 51 $ 376 Finance receivables 68,954 80,309 Allowance for credit losses (3,040 ) (2,588 ) Restricted cash 7,917 7,605 Repossessed assets at net realizable value 249 36 Total assets $ 74,131 $ 85,738 Liabilities Net long-term debt $ 62,331 $ 71,226 Accounts payable and accrued expenses 32 50 Total liabilities $ 62,363 $ 71,276

Disclosure About Fair Value o23

Disclosure About Fair Value of Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2016
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: March 31, 2016 December 31, 2015 In thousands Carrying Estimated Carrying Estimated Assets Level 1 inputs Cash $ 7,436 $ 7,436 $ 7,654 $ 7,654 Restricted cash 10,818 10,818 10,506 10,506 Level 2 inputs Interest rate caps 108 108 120 120 Level 3 inputs Net finance receivables 571,133 571,133 590,992 590,992 Repossessed assets 467 467 307 307 Liabilities Level 3 inputs Long-term debt 396,543 396,543 411,177 411,177

Earnings Per Share (Tables)

Earnings Per Share (Tables)	3 Months Ended
	Mar. 31, 2016
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: Three Months Ended In thousands, except per share amounts 2016 2015 Numerator: Net income $ 5,176 $ 4,083 Denominator: Weighted average shares outstanding for basic earnings per share 12,756 12,838 Effect of dilutive securities 193 223 Weighted average shares adjusted for dilutive securities 12,949 13,061 Earnings per share: Basic $ 0.41 $ 0.32 Diluted $ 0.40 $ 0.31

Share-Based Compensation (Table

Share-Based Compensation (Tables)	3 Months Ended
	Mar. 31, 2016
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. 2016 Expected volatility 46.20 % Expected dividends 0.00 % Expected term (in years) 6.00 Risk-free rate 1.44 %
Summary of Company's Stock Option Plan Activity	The following table summarizes the stock option activity for the three months ended March 31, 2016: In thousands, except per share amounts Number of Weighted-Average Price Per Share Weighted-Average Aggregate Options outstanding at January 1, 2016 1,044 $ 13.36 Granted 158 17.08 Exercised (33 ) 8.38 Forfeited (4 ) 15.66 Expired — — Options outstanding at March 31, 2016 1,165 $ 13.99 5.7 $ 4,166 Options exercisable at March 31, 2016 617 $ 11.54 3.0 $ 3,627 Available for grant at March 31, 2016 287
Summary of Additional Stock Option Information	The following table provides additional stock option information for the periods indicated: Three Months Ended In thousands, except per share amounts 2016 2015 Weighted-average grant date fair value per share $ 7.74 $ 7.33 Intrinsic value of options exercised $ 248 $ 258 Fair value of stock options that vested $ 302 $ 439
Summary of Cash Settled Performance Shares Activity	The following table summarizes cash-settled performance unit activity during the three months ended March 31, 2016. No cash-settled performance units were granted in the three months ended March 31, 2015: In thousands, except per unit amounts Units Weighted-Average Fair Value Non-vested units, beginning of the year 1,923 $ 1.00 Granted 1,221 1.00 Vested — — Forfeited (21 ) 1.00 Non-vested units, at March 31, 2016 3,123 $ 1.00
Restricted Stock Units (RSUs) [Member]
Summary of Restricted Stock Unit Activity	The following table summarizes restricted stock unit activity during the three months ended March 31, 2016. No restricted stock units were granted in the three months ended March 31, 2015: In thousands, except per unit amounts Units Weighted-Average Fair Value Non-vested units, beginning of the year 124 $ 15.55 Granted 71 17.08 Vested — — Forfeited (1 ) 15.59 Non-vested units, at March 31, 2016 194 $ 16.11
Restricted Stock [Member]
Summary of Restricted Stock Activity	The following table summarizes restricted stock activity during the three months ended March 31, 2016: In thousands, except per share amounts Shares Weighted-Average Fair Value Non-vested shares, beginning of the year 23 $ 16.74 Granted 15 17.08 Vested — — Forfeited — — Non-vested shares, at March 31, 2016 38 $ 16.87
Summary of Additional Restricted Stock Information	The following table provides additional restricted stock information: Three Months Ended In thousands, except per share amounts 2016 2015 Weighted-average grant date fair value per share $ 17.08 $ 15.10 Fair value of restricted stock awards that vested $ — $ 1,500

Nature of Business - Additional

Nature of Business - Additional Information (Detail)	3 Months Ended
	Mar. 31, 2016LocationOffice
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations	339
Number of offices opened | Office	8
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	8
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	8

Basis of Presentation and Sig27

Basis of Presentation and Significant Accounting Policies - Additional Information (Detail)	3 Months Ended
	Mar. 31, 2016Segment
Accounting Policies [Abstract]
Number of segment	1

Finance Receivables, Credit Q28

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Finance Receivables (Detail) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	$ 607,363	$ 628,444	$ 525,907
Branch Small [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	148,700	157,755	121,649
Convenience Checks [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	161,802	180,402	170,013
Large [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	162,301	146,553	63,338
Automobile [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	106,297	116,109	146,724
Retail [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	$ 28,263	$ 27,625	$ 24,183

Finance Receivables, Credit Q29

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Contractual Delinquency of the Finance Receivable Portfolio by Component (Detail) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 37,876	$ 45,264
Past due, Percent	6.20%	7.20%
Finance receivables	$ 607,363	$ 628,444	$ 525,907
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 18,250	$ 19,752
Finance receivables in nonaccrual status, Percent	3.00%	3.10%
Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 505,801	$ 500,591
Current, Percent	83.30%	79.70%
1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 63,686	$ 82,589
Past due, Percent	10.50%	13.10%
Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 11,986	$ 15,654
Past due, Percent	1.90%	2.50%
Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 7,640	$ 9,858
Past due, Percent	1.30%	1.60%
Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 7,099	$ 7,696
Past due, Percent	1.10%	1.10%
Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 5,914	$ 6,678
Past due, Percent	1.00%	1.10%
Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 5,237	$ 5,378
Past due, Percent	0.90%	0.90%
Branch Small [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 12,627	$ 14,765
Past due, Percent	8.50%	9.40%
Finance receivables	$ 148,700	$ 157,755	121,649
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 6,396	$ 7,075
Finance receivables in nonaccrual status, Percent	4.30%	4.50%
Branch Small [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 120,022	$ 123,525
Current, Percent	80.70%	78.30%
Branch Small [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 16,051	$ 19,465
Past due, Percent	10.80%	12.30%
Branch Small [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 3,590	$ 4,493
Past due, Percent	2.40%	2.90%
Branch Small [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,641	$ 3,197
Past due, Percent	1.80%	2.00%
Branch Small [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,344	$ 2,654
Past due, Percent	1.60%	1.70%
Branch Small [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,093	$ 2,347
Past due, Percent	1.40%	1.50%
Branch Small [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 1,959	$ 2,074
Past due, Percent	1.30%	1.30%
Convenience Checks [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 12,351	$ 15,420
Past due, Percent	7.60%	8.50%
Finance receivables	$ 161,802	$ 180,402	170,013
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 6,331	$ 7,839
Finance receivables in nonaccrual status, Percent	3.90%	4.30%
Convenience Checks [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 134,749	$ 147,110
Current, Percent	83.30%	81.60%
Convenience Checks [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 14,702	$ 17,872
Past due, Percent	9.10%	9.90%
Convenience Checks [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 3,470	$ 4,348
Past due, Percent	2.10%	2.40%
Convenience Checks [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,550	$ 3,233
Past due, Percent	1.60%	1.80%
Convenience Checks [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,220	$ 2,966
Past due, Percent	1.30%	1.60%
Convenience Checks [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,040	$ 2,581
Past due, Percent	1.30%	1.40%
Convenience Checks [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,071	$ 2,292
Past due, Percent	1.30%	1.30%
Large [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 5,561	$ 4,945
Past due, Percent	3.40%	3.40%
Finance receivables	$ 162,301	$ 146,553	63,338
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 2,434	$ 1,635
Finance receivables in nonaccrual status, Percent	1.50%	1.10%
Large [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 145,164	$ 127,374
Current, Percent	89.50%	86.90%
Large [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 11,576	$ 14,234
Past due, Percent	7.10%	9.70%
Large [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 1,952	$ 2,157
Past due, Percent	1.20%	1.50%
Large [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 1,175	$ 1,153
Past due, Percent	0.70%	0.80%
Large [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 1,121	$ 682
Past due, Percent	0.70%	0.40%
Large [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 748	$ 574
Past due, Percent	0.50%	0.40%
Large [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 565	$ 379
Past due, Percent	0.30%	0.30%
Automobile [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 6,120	$ 8,713
Past due, Percent	5.80%	7.50%
Finance receivables	$ 106,297	$ 116,109	146,724
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 2,501	$ 2,635
Finance receivables in nonaccrual status, Percent	2.40%	2.30%
Automobile [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 81,675	$ 79,878
Current, Percent	76.80%	68.80%
Automobile [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 18,502	$ 27,518
Past due, Percent	17.40%	23.70%
Automobile [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,587	$ 4,119
Past due, Percent	2.40%	3.50%
Automobile [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 1,032	$ 1,959
Past due, Percent	1.00%	1.70%
Automobile [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 1,177	$ 1,147
Past due, Percent	1.10%	1.00%
Automobile [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 845	$ 1,003
Past due, Percent	0.80%	0.90%
Automobile [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 479	$ 485
Past due, Percent	0.50%	0.40%
Retail [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 1,217	$ 1,421
Past due, Percent	4.30%	5.10%
Finance receivables	$ 28,263	$ 27,625	$ 24,183
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 588	$ 568
Finance receivables in nonaccrual status, Percent	2.10%	2.10%
Retail [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 24,191	$ 22,704
Current, Percent	85.60%	82.20%
Retail [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,855	$ 3,500
Past due, Percent	10.10%	12.70%
Retail [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 387	$ 537
Past due, Percent	1.30%	1.90%
Retail [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 242	$ 316
Past due, Percent	0.90%	1.10%
Retail [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 237	$ 247
Past due, Percent	0.80%	1.00%
Retail [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 188	$ 173
Past due, Percent	0.70%	0.60%
Retail [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 163	$ 148
Past due, Percent	0.60%	0.50%

Finance Receivables, Credit Q30

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Changes in Allowance for Credit Losses (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Receivables [Abstract]
Balance at beginning of period	$ 37,452	$ 40,511
Provision for credit losses	13,791	9,712
Charge-offs	(16,195)	(14,108)
Recoveries	1,182	835
Balance at end of period	$ 36,230	$ 36,950

Finance Receivables, Credit Q31

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Reconciliation of Allowance for Credit Losses (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 37,452	$ 40,511
Provision	13,791	9,712
Charge-offs	(16,195)	(14,108)
Recoveries	1,182	835
Balance at end of period	36,230	36,950
Finance receivables	$ 607,363	$ 525,907	$ 628,444
Allowance as Percentage of Finance Receivable	6.00%	7.00%
Branch Small [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 9,456	$ 6,960
Provision	4,573	2,926
Charge-offs	(5,243)	(3,333)
Recoveries	359	197
Balance at end of period	9,145	6,750
Finance receivables	$ 148,700	$ 121,649	157,755
Allowance as Percentage of Finance Receivable	6.10%	5.50%
Convenience Checks [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 12,079	$ 18,320
Provision	5,578	1,708
Charge-offs	(6,705)	(6,527)
Recoveries	454	289
Balance at end of period	11,406	13,790
Finance receivables	$ 161,802	$ 170,013	180,402
Allowance as Percentage of Finance Receivable	7.00%	8.10%
Large [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 5,593	$ 1,980
Provision	1,656	1,578
Charge-offs	(1,287)	(512)
Recoveries	114	73
Balance at end of period	6,076	3,119
Finance receivables	$ 162,301	$ 63,338	146,553
Allowance as Percentage of Finance Receivable	3.70%	4.90%
Automobile [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 8,828	$ 11,776
Provision	1,430	3,120
Charge-offs	(2,438)	(3,304)
Recoveries	208	241
Balance at end of period	8,028	11,833
Finance receivables	$ 106,297	$ 146,724	116,109
Allowance as Percentage of Finance Receivable	7.60%	8.10%
Retail [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 1,496	$ 1,475
Provision	554	380
Charge-offs	(522)	(432)
Recoveries	47	35
Balance at end of period	1,575	1,458
Finance receivables	$ 28,263	$ 24,183	$ 27,625
Allowance as Percentage of Finance Receivable	5.60%	6.00%

Finance Receivables, Credit Q32

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Additional Information (Detail)	3 Months Ended	12 Months Ended
	Mar. 31, 2016	Dec. 31, 2015
Receivables [Abstract]
Impaired finance receivables as a percentage of total finance receivables	1.30%	1.20%

Finance Receivables, Credit Q33

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Impaired Finance Receivables (Detail) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired finance receivables	$ 8,024	$ 7,260
Branch Small [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired finance receivables	817	524
Convenience Checks [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired finance receivables	557	485
Large [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired finance receivables	3,647	2,760
Automobile [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired finance receivables	2,892	3,370
Retail [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired finance receivables	$ 111	$ 121

Finance Receivables, Credit Q34

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Finance Receivables Evaluated for Impairment (Detail) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	$ 8,024	$ 7,260
Finance receivables evaluated collectively	599,339	621,184
Finance receivables	607,363	628,444	$ 525,907
Impaired receivables in nonaccrual status	539	719
Amount of the specific reserve for impaired accounts	1,647	1,708
Amount of the general component of the allowance	34,583	35,744
Branch Small [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	817	524
Finance receivables evaluated collectively	147,883	157,231
Finance receivables	148,700	157,755	121,649
Impaired receivables in nonaccrual status	91	109
Amount of the specific reserve for impaired accounts	190	142
Amount of the general component of the allowance	8,955	9,314
Convenience Checks [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	557	485
Finance receivables evaluated collectively	161,245	179,917
Finance receivables	161,802	180,402	170,013
Impaired receivables in nonaccrual status	57	95
Amount of the specific reserve for impaired accounts	127	124
Amount of the general component of the allowance	11,279	11,955
Large [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	3,647	2,760
Finance receivables evaluated collectively	158,654	143,793
Finance receivables	162,301	146,553	63,338
Impaired receivables in nonaccrual status	195	83
Amount of the specific reserve for impaired accounts	602	560
Amount of the general component of the allowance	5,474	5,033
Automobile [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	2,892	3,370
Finance receivables evaluated collectively	103,405	112,739
Finance receivables	106,297	116,109	146,724
Impaired receivables in nonaccrual status	191	415
Amount of the specific reserve for impaired accounts	710	862
Amount of the general component of the allowance	7,318	7,966
Retail [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	111	121
Finance receivables evaluated collectively	28,152	27,504
Finance receivables	28,263	27,625	$ 24,183
Impaired receivables in nonaccrual status	5	17
Amount of the specific reserve for impaired accounts	18	20
Amount of the general component of the allowance	$ 1,557	$ 1,476

Finance Receivables, Credit Q35

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Schedule of Average Recorded Investment in Impaired Finance Receivables (Detail) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Financing Receivable, Impaired [Line Items]
Total average recorded investment	$ 7,419	$ 6,176
Branch Small [Member]
Financing Receivable, Impaired [Line Items]
Total average recorded investment	561	591
Convenience Checks [Member]
Financing Receivable, Impaired [Line Items]
Total average recorded investment	443	524
Large [Member]
Financing Receivable, Impaired [Line Items]
Total average recorded investment	3,182	1,263
Automobile [Member]
Financing Receivable, Impaired [Line Items]
Total average recorded investment	3,117	3,677
Retail [Member]
Financing Receivable, Impaired [Line Items]
Total average recorded investment	$ 116	$ 121

Intangibles - Summary of Gross

Intangibles - Summary of Gross Carrying Amount and Related Accumulated Amortization of Definite-Lived Intangible Assets (Detail) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	$ 7,500	$ 6,689
Accumulated Amortization	(4,593)	(4,279)
Net Amount	2,907	2,410
Customer List [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	2,485	2,516
Accumulated Amortization	(2,078)	(2,044)
Net Amount	407	472
Software [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	5,015	4,173
Accumulated Amortization	(2,515)	(2,235)
Net Amount	$ 2,500	$ 1,938

Intangibles - Additional Inform

Intangibles - Additional Information (Detail) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Amortization expense for intangible assets	$ 0.3	$ 0.2

Intangibles - Summary of Future

Intangibles - Summary of Future Amortization of Intangible Assets (Detail) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
2,016	$ 1,599
2,017	433
2,018	260
2,019	148
2,020	141
Thereafter	326
Total	$ 2,907	$ 2,410

Interest Rate Caps - Additional

Interest Rate Caps - Additional Information (Detail)	3 Months Ended
	Mar. 31, 2016USD ($)
Derivative [Line Items]
Notional amount of interest rate cap	$ 200,000,000
Strike rate	2.50%
Interest Rate Cap Contracts Expiring on April 2018 [Member]
Derivative [Line Items]
Notional amount of interest rate cap	$ 150,000,000
Maturity period of interest rate caps exchanged	Apr. 1, 2018
Interest Rate Cap Contracts Expiring on March 2019 [Member]
Derivative [Line Items]
Notional amount of interest rate cap	$ 50,000,000
Maturity period of interest rate caps exchanged	Mar. 31, 2019

Interest Rate Caps - Summary of

Interest Rate Caps - Summary of Change in Rate Caps (Detail) $ in Thousands	3 Months Ended
	Mar. 31, 2016USD ($)
Offsetting [Abstract]
Balance at beginning of period	$ 120
Purchases	112
Fair value adjustment included as an (increase) in interest expense	(124)
Balance at end of period, included in other assets	$ 108

Long-Term Debt - Summary of the

Long-Term Debt - Summary of the Company's Debt (Detail) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Schedule Of Long Term Debt [Line Items]
Long-term debt	$ 396,543	$ 411,177
Unamortized debt issuance costs	(2,443)	(2,692)
Net long-term debt	394,100	408,485
Amortizing Loan [Member]
Schedule Of Long Term Debt [Line Items]
Long-term debt	63,849	72,896
Unamortized debt issuance costs	(1,518)	(1,670)
Net long-term debt	62,331	71,226
Senior Revolving Credit Facility [Member]
Schedule Of Long Term Debt [Line Items]
Long-term debt	332,694	338,281
Unamortized debt issuance costs	(925)	(1,022)
Net long-term debt	331,769	337,259
Unused amount of senior revolving credit facility (subject to borrowing base)	$ 205,306	$ 199,719

Long-Term Debt - Additional Inf

Long-Term Debt - Additional Information (Detail) - USD ($)	3 Months Ended	12 Months Ended
	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015	Dec. 31, 2014
Line of Credit Facility [Line Items]
Finance receivables	$ 607,363,000	$ 628,444,000	$ 525,907,000
Allowance for credit losses	36,230,000	37,452,000	36,950,000	$ 40,511,000
Cash deposited to restricted cash reserve account	10,818,000	10,506,000
Waterfall [Member]
Line of Credit Facility [Line Items]
Cash deposited to restricted cash reserve account	4,200,000
Variable Interest Entity, Primary Beneficiary [Member]
Line of Credit Facility [Line Items]
Finance receivables	68,954,000	80,309,000
Allowance for credit losses	3,040,000	2,588,000
Cash deposited to restricted cash reserve account	$ 7,917,000	7,605,000
Servicing fee	4.00%
Asset Backed Loans [Member]
Line of Credit Facility [Line Items]
Amortizing loan, amount		$ 75,700,000
Amortizing loan, maturity date		2022-12
Senior Revolving Credit Facility [Member]
Line of Credit Facility [Line Items]
Current percentage of advances on eligible secured finance receivables	85.00%
Current percentage of advances on eligible unsecured finance receivables	70.00%
Percentage of advances on debt agreement eligible secured finance receivables	83.00%
Percentage of advances on debt agreement eligible unsecured finance receivables	68.00%
Credit facility, eligible capacity	$ 79,500,000
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.
Automobile [Member]
Line of Credit Facility [Line Items]
Finance receivables	$ 106,297,000	$ 116,109,000	146,724,000
Allowance for credit losses	$ 8,028,000	8,828,000	$ 11,833,000	$ 11,776,000
Automobile [Member] | Credit Agreement [Member] | Variable Interest Entity, Primary Beneficiary [Member]
Line of Credit Facility [Line Items]
Finance receivables		$ 86,100,000

Long-Term Debt - Schedule of Ca

Long-Term Debt - Schedule of Carrying Amount of the VIE's Assets and Liabilities (Detail) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015	Dec. 31, 2014
Assets
Cash	$ 7,436	$ 7,654	$ 2,060	$ 4,012
Finance receivables	607,363	628,444	525,907
Allowance for credit losses	(36,230)	(37,452)	$ (36,950)	$ (40,511)
Restricted cash	10,818	10,506
Repossessed assets at net realizable value	467	307
Total assets	609,707	626,373
Liabilities
Net long-term debt	394,100	408,485
Accounts payable and accrued expenses	13,685	12,661
Total liabilities	407,785	421,146
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	51	376
Finance receivables	68,954	80,309
Allowance for credit losses	(3,040)	(2,588)
Restricted cash	7,917	7,605
Repossessed assets at net realizable value	249	36
Total assets	74,131	85,738
Liabilities
Net long-term debt	62,331	71,226
Accounts payable and accrued expenses	32	50
Total liabilities	$ 62,363	$ 71,276

Stockholders' Equity - Addition

Stockholders' Equity - Additional Information (Detail) - USD ($) shares in Thousands	1 Months Ended
	Feb. 29, 2016	Mar. 31, 2016
Equity, Class of Treasury Stock [Line Items]
Common stock repurchased, amount		572
Common stock repurchased, shares		$ 8,871,000
Common Stock [Member]
Equity, Class of Treasury Stock [Line Items]
Stock repurchase program expiration date	Dec. 31, 2017
Maximum [Member] | Common Stock [Member]
Equity, Class of Treasury Stock [Line Items]
Stock repurchase program, authorized amount	$ 25,000,000

Disclosure About Fair Value o45

Disclosure About Fair Value of Financial Instruments - Additional Information (Detail)	3 Months Ended
	Mar. 31, 2016
Fair Value Disclosures [Abstract]
Turnover rate of loan portfolio	1.5

Disclosure About Fair Value o46

Disclosure About Fair Value of Financial Instruments - Carrying Amount and Estimated Fair Values of Company's Financial Instruments (Detail) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Assets
Interest rate caps	$ 108	$ 120
Net finance receivables	571,133	590,992
Estimated Fair Value [Member] | Level 1 Inputs [Member]
Assets
Cash	7,436	7,654
Restricted cash	10,818	10,506
Estimated Fair Value [Member] | Level 2 Inputs [Member]
Assets
Interest rate caps	108	120
Estimated Fair Value [Member] | Level 3 Inputs [Member]
Assets
Net finance receivables	571,133	590,992
Repossessed assets	467	307
Liabilities
Long-term debt	396,543	411,177
Carrying Amount [Member] | Level 1 Inputs [Member]
Assets
Cash	7,436	7,654
Restricted cash	10,818	10,506
Carrying Amount [Member] | Level 2 Inputs [Member]
Assets
Interest rate caps	108	120
Carrying Amount [Member] | Level 3 Inputs [Member]
Assets
Net finance receivables	571,133	590,992
Repossessed assets	467	307
Liabilities
Long-term debt	$ 396,543	$ 411,177

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
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Numerator:
Net income	$ 5,176	$ 4,083	$ 23,365
Denominator:
Weighted average shares outstanding for basic earnings per share	12,756	12,838
Effect of dilutive securities	193	223
Weighted average shares adjusted for dilutive securities	12,949	13,061
Basic	$ 0.41	$ 0.32
Diluted	$ 0.40	$ 0.31

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Detail) - shares	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Stock Compensation Plans [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options to purchase common stock, Shares	638,000	332,000

Share-based Compensation - Addi

Share-based Compensation - Additional Information (Detail) - USD ($) $ in Millions	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Apr. 22, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for grant	287,000
Non-employee director compensation grant period	5 days
Exercise period of options	10 years
2015 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for grant	287,000
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	$ 5.9
Period of recognition of share-based compensation expense	2 years 1 month 6 days
Share-based compensation expense	$ 0.5	$ 1.9
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 [ ] 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.
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares, Granted	71,000	0
Performance Units [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares, Granted	1,221,000	0

Share-based Compensation - Fair

Share-based Compensation - Fair Value of Option Grants (Detail)	3 Months Ended
	Mar. 31, 2016
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Expected volatility	46.20%
Expected dividends	0.00%
Expected term (in years)	6 years
Risk-free rate	1.44%

Share-based Compensation - Summ

Share-based Compensation - Summary of Company's Stock Option Plan Activity (Detail) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2016USD ($)$ / sharesshares
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Number of Shares, Options outstanding, Beginning balance	1,044
Number of Shares, Granted	158
Number of Shares, Exercised	(33)
Number of Shares, Forfeited	(4)
Number of Shares, Expired	0
Number of Shares, Options outstanding, Ending balance	1,165
Number of Shares, Options exercisable	617
Number of Shares, Available for grant	287
Weighted Average Exercise Price Per Share, Options outstanding, Beginning balance | $ / shares	$ 13.36
Weighted Average Exercise Price Per Share, Granted | $ / shares	17.08
Weighted Average Exercise Price Per Share, Exercised | $ / shares	8.38
Weighted Average Exercise Price Per Share, Forfeited | $ / shares	15.66
Weighted Average Exercise Price Per Share, Expired | $ / shares	0
Weighted Average Exercise Price Per Share, Options outstanding, Ending balance | $ / shares	13.99
Weighted Average Exercise Price Per Share, Options exercisable | $ / shares	$ 11.54
Weighted Average Remaining Contractual Life (Years), Options outstanding	5 years 8 months 12 days
Weighted Average Remaining Contractual Life (Years), Options exercisable	3 years
Aggregate Intrinsic Value, Options outstanding | $	$ 4,166
Aggregate Intrinsic Value, Options exercisable | $	$ 3,627

Share-based Compensation - Su52

Share-based Compensation - Summary of Additional Stock Option Information (Detail) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]
Weighted-average grant date fair value per share	$ 7.74	$ 7.33
Intrinsic value of options exercised	$ 248	$ 258
Fair value of stock options that vested	$ 302	$ 439

Share-based Compensation - Su53

Share-based Compensation - Summary of Restricted Stock Unit Activity (Detail) - Restricted Stock Units (RSUs) [Member] - $ / shares	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-vested shares, beginning of the year	124,000
Shares, Granted	71,000	0
Shares, Vested	0
Shares, Forfeited	(1,000)
Non-vested shares, end of the year	194,000
Weighted Average Grant Date Fair Value, Non-vested restricted stock, beginning of the year	$ 15.55
Weighted Average Grant Date Fair Value, Granted	17.08
Weighted Average Grant Date Fair Value, Vested	0
Weighted Average Grant Date Fair Value, Forfeited	15.59
Weighted Average Grant Date Fair Value, Non-vested restricted stock, end of the period	$ 16.11

Share-based Compensation - Su54

Share-based Compensation - Summary of Cash Settled Performance Shares Activity (Detail) - Performance Units [Member] - $ / shares	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-vested shares, beginning of the year	1,923,000
Units, Granted	1,221,000	0
Units, Vested	0
Units, Forfeited	(21,000)
Non-vested shares, end of the year	3,123,000
Weighted Average Grant Date Fair Value, Non-vested restricted stock, beginning of the year	$ 1
Weighted Average Grant Date Fair Value, Granted	1
Weighted Average Grant Date Fair Value, Vested	0
Weighted Average Grant Date Fair Value, Forfeited	1
Weighted Average Grant Date Fair Value, Non-vested restricted stock, end of the period	$ 1

Share-based Compensation - Su55

Share-based Compensation - Summary of Restricted Stock Activity (Detail) - Restricted Stock [Member] - $ / shares shares in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-vested shares, beginning of the year	23
Shares, Granted	15
Shares, Vested	0
Shares, Forfeited	0
Non-vested shares, end of the year	38
Weighted Average Grant Date Fair Value, Non-vested restricted stock, beginning of the year	$ 16.74
Weighted Average Grant Date Fair Value, Granted	17.08	$ 15.10
Weighted Average Grant Date Fair Value, Vested	0
Weighted Average Grant Date Fair Value, Forfeited	0
Weighted Average Grant Date Fair Value, Non-vested restricted stock, end of the period	$ 16.87

Share-based Compensation - Su56

Share-based Compensation - Summary of Additional Restricted Stock Information (Detail) - Restricted Stock [Member] - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted-average grant date fair value per share	$ 17.08	$ 15.10
Fair value of restricted stock awards that vested		$ 1,500

Commitments and Contingencies -

Commitments and Contingencies - Additional Information (Detail) $ in Millions	Mar. 31, 2016USD ($)
Commitments and Contingencies Disclosure [Abstract]
Loss contingency accrual	$ 0.5