Regional Management (RM) 10-Q 27 Oct 16 2016 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2016	Oct. 26, 2016
Document And Entity Information [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2016
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	Q3
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		11,444,998

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Assets
Cash	$ 3,959	$ 7,654
Gross finance receivables	887,316	785,042
Unearned finance charges, insurance premiums, and commissions	(191,167)	(156,598)
Finance receivables	696,149	628,444
Allowance for credit losses	(39,100)	(37,452)
Net finance receivables	657,049	590,992
Property and equipment, net of accumulated depreciation	10,701	9,049
Restricted cash	7,906	10,506
Intangible assets, net	4,608	2,307
Goodwill	716	716
Repossessed assets at net realizable value	429	307
Deferred tax asset, net		1,982
Other assets	5,961	2,860
Total assets	691,329	626,373
Liabilities:
Long-term debt	481,766	411,177
Unamortized debt issuance costs	(2,403)	(2,692)
Net long-term debt	479,363	408,485
Accounts payable and accrued expenses	11,436	12,661
Deferred tax liability, net	432
Total liabilities	491,231	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, 12,984 shares issued and 11,438 shares outstanding at September 30, 2016 and 12,914 shares issued and outstanding at December 31, 2015	1,298	1,291
Additional paid-in-capital	91,524	89,178
Retained earnings	132,322	114,758
Treasury stock, at cost, 1,546 shares at September 30, 2016	(25,046)
Total stockholders' equity	200,098	205,227
Total liabilities and stockholders' equity	691,329	626,373
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	41	376
Finance receivables	49,608	80,309
Allowance for credit losses	(2,976)	(2,588)
Restricted cash	4,786	7,605
Repossessed assets at net realizable value	142	36
Other assets	10
Total assets	51,611	85,738
Liabilities:
Net long-term debt	45,205	71,226
Accounts payable and accrued expenses	4	50
Total liabilities	$ 45,209	$ 71,276

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Sep. 30, 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	12,984,000	12,914,000
Common stock, shares outstanding	11,438,000	12,914,000
Treasury stock, shares	1,546,000

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Revenue
Interest and fee income	$ 57,420	$ 49,741	$ 161,309	$ 144,474
Insurance income, net	2,346	2,767	7,886	8,816
Other income	2,709	2,588	7,302	7,331
Total revenue	62,475	55,096	176,497	160,621
Expenses
Provision for credit losses	16,410	14,085	43,587	35,899
Personnel	18,180	15,993	51,981	51,964
Occupancy	5,175	4,458	14,808	12,791
Marketing	1,786	1,134	5,363	5,614
Other	5,312	4,597	17,654	16,679
Total general and administrative expenses	30,453	26,182	89,806	87,048
Interest expense	5,116	4,335	14,637	11,871
Income before income taxes	10,496	10,494	28,467	25,803
Income taxes	4,020	3,987	10,903	9,805
Net income	$ 6,476	$ 6,507	$ 17,564	$ 15,998
Net income per common share:
Basic	$ 0.57	$ 0.51	$ 1.47	$ 1.25
Diluted	$ 0.56	$ 0.50	$ 1.44	$ 1.22
Weighted average shares outstanding:
Basic	11,384	12,881	11,963	12,835
Diluted	11,664	13,111	12,194	13,063

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
Exercise of stock options	14	$ 14
Exercise of stock options, shares		145
Excess tax benefit (deficiency) from stock option exercises, net	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		$ 4	(4)
Issuance of restricted stock awards, shares		36
Exercise of stock options	$ 16	$ 16
Exercise of stock options, shares	160	160
Excess tax benefit (deficiency) from stock option exercises, net	$ (81)		$ (81)
Repurchase of common stock	$ (25,046)				$ (25,046)
Repurchase of common stock, shares	0	0	0	0	0
Shares withheld related to net share settlement	$ (363)	$ (13)	$ (350)
Shares withheld related to net share settlement, shares		(126)
Share-based compensation	2,781		2,781
Net income	17,564			$ 17,564
Ending Balance at Sep. 30, 2016	$ 200,098	$ 1,298	$ 91,524	$ 132,322	$ (25,046)
Ending Balance, shares at Sep. 30, 2016		12,984

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015
Cash flows from operating activities:
Net income	$ 17,564	$ 15,998
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	43,587	35,899
Depreciation and amortization	4,948	2,778
(Gain) loss on disposal of property and equipment	(15)	343
Accretion of discounts on purchased receivables		(20)
Share-based compensation	3,006	3,595
Fair value adjustment on interest rate caps	213	419
Deferred income taxes, net	2,414	1,605
Changes in operating assets and liabilities:
(Increase) decrease in other assets	(3,436)	50
Increase (decrease) in other liabilities	(1,687)	1,200
Net cash provided by operating activities	66,594	61,867
Cash flows from investing activities:
Net originations of finance receivables	(109,644)	(94,020)
Purchase of intangible assets	(3,823)	(1,045)
(Increase) decrease in restricted cash	2,600	(1,000)
Purchase of property and equipment	(4,620)	(1,873)
Proceeds from disposal of property and equipment	718
Net cash used in investing activities	(114,769)	(97,938)
Cash flows from financing activities:
Net advances on senior revolving credit facility	97,119	37,976
Payments on amortizing loan	(26,431)
Payments for debt issuance costs	(971)	(700)
Taxes paid related to net share settlement of equity awards	(346)	(721)
Excess tax benefits from exercise of stock options	155	426
Repurchase of common stock	(25,046)
Net cash provided by financing activities	44,480	36,981
Net change in cash	(3,695)	910
Cash at beginning of period	7,654	4,012
Cash at end of period	3,959	4,922
Supplemental cash flow information
Interest paid	13,219	11,119
Income taxes paid	$ 10,758	$ 8,010

Nature of Business

Nature of Business	9 Months Ended
	Sep. 30, 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	9 Months Ended
	Sep. 30, 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 interest 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: 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 relates to probable incurred losses of unimpaired finance receivables. Prior to September 30, 2016, the general component of the allowance was primarily based on historical loss rates. Effective September 30, 2016, it is based on delinquency roll rates. The Company’s finance receivable types are stratified by delinquency stages, and the future monthly delinquency profiles and charge-offs are projected forward using historical delinquency roll rates. The Company records a general allowance for credit losses that includes forecasted future charge-offs over the estimated loss emergence period (the interval of time between the event which caused a borrower to default and the Company’s recording of the charge-off) for each finance receivable type. The Company adjusts the computed roll rate forecast 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 roll rate forecast. Those qualitative factors include trends in growth in the loan portfolio, delinquency, unemployment, bankruptcy, operational risks, and other economic trends. 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 its 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 its consolidated financial statements. In May 2016, the FASB issued an accounting update providing narrow scope improvements and practical expedients related to the previous update for Revenue from Contracts with Customers. The amendments in this update do not change the core revenue recognition principles. The update addresses certain issues identified in the guidance on assessing collectability, presentation of sales taxes, noncash consideration, and completed contracts and contract modifications at transition. This update is effective for annual and interim periods beginning after December 15, 2017. The Company is currently evaluating the potential impact of the new revenue recognition standard on its consolidated financial statements. In June 2016, the FASB issued an accounting update to change the impairment model for estimating credit losses on financial assets. The current incurred loss impairment model requires the recognition of credit losses when it is probable that a loss has been incurred. The incurred loss model will be replaced by an expected loss model, which requires entities to estimate the lifetime expected credit loss on such instruments and to record an allowance to offset the amortized cost basis of the financial asset. This update is effective for annual and interim periods beginning after December 15, 2019, and early adoption is permitted. The Company is currently evaluating the potential impact of this guidance on its consolidated financial statements. In August 2016, the FASB issued an accounting update to provide specific guidance on certain cash flow classification issues to reduce diversity in practice. These issues include debt prepayment or extinguishment costs, contingent consideration payments after business combination, beneficial interest in securitization transactions, and proceeds from insurance claims. This update is effective for annual and interim periods beginning after December 15, 2017 and early adoption is permitted. The Company is currently evaluating the potential impact of the new standards on its consolidated financial statements.

Finance Receivables, Credit Qua

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses	9 Months Ended
	Sep. 30, 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 September 30, 2016 December 31, 2015 Small loans $ 349,390 $ 338,157 Large loans 217,102 146,553 Automobile loans 97,141 116,109 Retail loans 32,516 27,625 Finance receivables $ 696,149 $ 628,444 The contractual delinquency of the finance receivable portfolio by product and aging for the periods indicated are as follows: September 30, 2016 Small Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % Current $ 282,836 81.0 % $ 188,364 86.7 % $ 71,230 73.3 % $ 26,982 82.9 % $ 569,412 81.8 % 1 to 29 days past due 36,385 10.4 % 18,596 8.6 % 18,452 19.0 % 3,664 11.3 % 77,097 11.1 % Delinquent accounts 30 to 59 days 9,845 2.8 % 3,691 1.7 % 3,134 3.2 % 653 2.1 % 17,323 2.4 % 60 to 89 days 6,671 1.9 % 2,121 1.0 % 1,842 1.9 % 332 1.0 % 10,966 1.6 % 90 to 119 days 5,306 1.5 % 1,688 0.8 % 1,024 1.1 % 345 1.0 % 8,363 1.3 % 120 to 149 days 4,440 1.3 % 1,568 0.7 % 891 0.9 % 316 1.0 % 7,215 1.0 % 150 to 179 days 3,907 1.1 % 1,074 0.5 % 568 0.6 % 224 0.7 % 5,773 0.8 % Total delinquency $ 30,169 8.6 % $ 10,142 4.7 % $ 7,459 7.7 % $ 1,870 5.8 % $ 49,640 7.1 % Total finance receivables $ 349,390 100.0 % $ 217,102 100.0 % $ 97,141 100.0 % $ 32,516 100.0 % $ 696,149 100.0 % Finance receivables in nonaccrual status $ 13,653 3.9 % $ 4,330 2.0 % $ 2,483 2.6 % $ 885 2.7 % $ 21,351 3.1 % December 31, 2015 Small Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % Current $ 270,635 80.1 % $ 127,374 86.9 % $ 79,878 68.8 % $ 22,704 82.2 % $ 500,591 79.7 % 1 to 29 days past due 37,337 11.0 % 14,234 9.7 % 27,518 23.7 % 3,500 12.7 % 82,589 13.1 % Delinquent accounts 30 to 59 days 8,841 2.6 % 2,157 1.5 % 4,119 3.5 % 537 1.9 % 15,654 2.5 % 60 to 89 days 6,430 1.9 % 1,153 0.8 % 1,959 1.7 % 316 1.1 % 9,858 1.6 % 90 to 119 days 5,620 1.6 % 682 0.4 % 1,147 1.0 % 247 1.0 % 7,696 1.1 % 120 to 149 days 4,928 1.5 % 574 0.4 % 1,003 0.9 % 173 0.6 % 6,678 1.1 % 150 to 179 days 4,366 1.3 % 379 0.3 % 485 0.4 % 148 0.5 % 5,378 0.9 % Total delinquency $ 30,185 8.9 % $ 4,945 3.4 % $ 8,713 7.5 % $ 1,421 5.1 % $ 45,264 7.2 % Total finance receivables $ 338,157 100.0 % $ 146,553 100.0 % $ 116,109 100.0 % $ 27,625 100.0 % $ 628,444 100.0 % Finance receivables in nonaccrual status $ 14,914 4.4 % $ 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 September 30, Nine Months Ended September 30, In thousands 2016 2015 2016 2015 Balance at beginning of period $ 36,200 $ 36,171 $ 37,452 $ 40,511 Provision for credit losses 16,410 14,085 43,587 35,899 Charge-offs (14,680 ) (13,158 ) (45,576 ) (40,706 ) Recoveries 1,170 688 3,637 2,082 Balance at end of period $ 39,100 $ 37,786 $ 39,100 $ 37,786 Prior to September 30, 2016, the general component of the allowance for credit losses was primarily based on historical loss rates. Effective September 30, 2016, it is primarily based on delinquency roll rates. Delinquency roll rate modeling is forward-looking and common practice in the consumer finance industry. As a result of this change, the Company decreased the provision for credit losses for the three and nine months ended September 30, 2016 by $0.5 million, which increased net income by $0.3 million, or $0.03 diluted earnings per share. The following is a reconciliation of the allowance for credit losses by product for the periods indicated: In thousands Balance July 1, 2016 Provision Charge-offs Recoveries Balance September 30, 2016 Finance Receivables September 30, 2016 Allowance as Finance Receivable Small loans $ 18,752 $ 11,103 $ (9,722 ) $ 667 $ 20,800 $ 349,390 6.0 % Large loans 7,886 4,209 (2,436 ) 141 9,800 217,102 4.5 % Automobile loans 7,851 308 (1,976 ) 317 6,500 97,141 6.7 % Retail loans 1,711 790 (546 ) 45 2,000 32,516 6.2 % Total $ 36,200 $ 16,410 $ (14,680 ) $ 1,170 $ 39,100 $ 696,149 5.6 % In thousands Balance July 1, 2015 Provision Charge-offs Recoveries Balance September 30, 2015 Finance Receivables September 30, Allowance as Percentage of Finance Receivable September 30, 2015 Small loans $ 18,343 $ 10,843 $ (9,179 ) $ 402 $ 20,409 $ 328,207 6.2 % Large loans 5,364 1,000 (715 ) 84 5,733 119,731 4.8 % Automobile loans 11,121 1,839 (2,845 ) 178 10,293 128,131 8.0 % Retail loans 1,343 403 (419 ) 24 1,351 25,539 5.3 % Total $ 36,171 $ 14,085 $ (13,158 ) $ 688 $ 37,786 $ 601,608 6.3 % In thousands Balance January 1, 2016 Provision Charge-offs Recoveries Balance September 30, 2016 Finance Allowance as Finance Receivable Small loans $ 21,535 $ 29,200 $ (32,170 ) $ 2,235 $ 20,800 $ 349,390 6.0 % Large loans 5,593 9,359 (5,534 ) 382 9,800 217,102 4.5 % Automobile loans 8,828 3,077 (6,272 ) 867 6,500 97,141 6.7 % Retail loans 1,496 1,951 (1,600 ) 153 2,000 32,516 6.2 % Total $ 37,452 $ 43,587 $ (45,576 ) $ 3,637 $ 39,100 $ 696,149 5.6 % In thousands Balance January 1, 2015 Provision Charge-offs Recoveries Balance September 30, 2015 Finance Receivables September 30, Allowance as Percentage of September 30, 2015 Small loans $ 25,280 $ 23,284 $ (29,401 ) $ 1,246 $ 20,409 $ 328,207 6.2 % Large loans 1,980 5,271 (1,719 ) 201 5,733 119,731 4.8 % Automobile loans 11,776 6,273 (8,303 ) 547 10,293 128,131 8.0 % Retail loans 1,475 1,071 (1,283 ) 88 1,351 25,539 5.3 % Total $ 40,511 $ 35,899 $ (40,706 ) $ 2,082 $ 37,786 $ 601,608 6.3 % Impaired finance receivables as a percentage of total finance receivables were 1.4% and 1.2% as of September 30, 2016 and December 31, 2015, respectively. The following is a summary of impaired finance receivables as of the periods indicated: In thousands September 30, 2016 December 31, 2015 Small loans $ 2,084 $ 1,009 Large loans 5,322 2,760 Automobile loans 2,526 3,370 Retail loans 115 121 Total $ 10,047 $ 7,260 Following is a summary of finance receivables evaluated for impairment for the periods indicated: September 30, 2016 In thousands Small Large Automobile Retail Total Impaired receivables specifically evaluated $ 2,084 $ 5,322 $ 2,526 $ 115 $ 10,047 Finance receivables evaluated collectively 347,306 211,780 94,615 32,401 686,102 Finance receivables outstanding $ 349,390 $ 217,102 $ 97,141 $ 32,516 $ 696,149 Impaired receivables in nonaccrual status $ 231 $ 314 $ 191 $ 9 $ 745 Amount of the specific reserve for impaired accounts $ 487 $ 972 $ 615 $ 21 $ 2,095 Amount of the general component of the allowance $ 20,313 $ 8,828 $ 5,885 $ 1,979 $ 37,005 December 31, 2015 In thousands Small Large Automobile Retail Total Impaired receivables specifically evaluated $ 1,009 $ 2,760 $ 3,370 $ 121 $ 7,260 Finance receivables evaluated collectively 337,148 143,793 112,739 27,504 621,184 Finance receivables outstanding $ 338,157 $ 146,553 $ 116,109 $ 27,625 $ 628,444 Impaired receivables in nonaccrual status $ 204 $ 83 $ 415 $ 17 $ 719 Amount of the specific reserve for impaired accounts $ 266 $ 560 $ 862 $ 20 $ 1,708 Amount of the general component of the allowance $ 21,269 $ 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 September 30, Nine Months Ended September 30, In thousands 2016 2015 2016 2015 Small loans $ 1,908 $ 1,096 $ 1,497 $ 1,114 Large loans 4,861 1,340 3,992 1,291 Automobile loans 2,643 3,567 2,879 3,616 Retail loans 119 129 115 126 Total average recorded investment $ 9,531 $ 6,132 $ 8,483 $ 6,147 It is not practical to compute the amount of interest earned on impaired loans.

Leases

Leases	9 Months Ended
	Sep. 30, 2016
Leases [Abstract]
Leases	Note 4. Leases Future minimum rent commitments under non-cancellable operating leases in effect as of September 30, 2016 are as follows: In thousands Amount 2016 $ 1,775 2017 5,594 2018 4,083 2019 2,614 2020 2,362 Thereafter 7,978 Total $ 24,406 Leases generally contain options to extend for periods from one to 10 years, and the cost of such extensions is not included above. For the three months ended September 30, 2016 and 2015, the Company recorded rent expense of $1.8 million and $1.6 million, respectively. Rent expense for the nine months ended September 30, 2016 and 2015 was $5.2 million and $4.5 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.

Intangibles

Intangibles	9 Months Ended
	Sep. 30, 2016
Goodwill and Intangible Assets Disclosure [Abstract]
Intangibles	Note 5. Intangibles The following table provides the gross carrying amount and related accumulated amortization of definite-lived intangible assets: September 30, 2016 December 31, 2015 In thousands Gross Carrying Accumulated Net Amount Gross Carrying Accumulated Net Amount Customer list $ 2,485 $ (2,210 ) $ 275 $ 2,516 $ (2,044 ) $ 472 Software 7,844 (3,511 ) 4,333 4,173 (2,338 ) 1,835 Total intangible assets $ 10,329 $ (5,721 ) $ 4,608 $ 6,689 $ (4,382 ) $ 2,307 For the three months ended September 30, 2016 and 2015, the Company recorded intangible amortization expense of $0.5 million and $0.2 million, respectively. Intangible amortization expense for the nine months ended September 30, 2016 and 2015 totaled $1.5 million and $0.5 million, respectively. The following table sets forth the future amortization of intangible assets: In thousands Amount 2016 $ 937 2017 1,095 2018 732 2019 551 2020 491 Thereafter 802 Total $ 4,608

Interest Rate Caps

Interest Rate Caps	9 Months Ended
	Sep. 30, 2016
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Interest Rate Caps	Note 6. 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: Three Months Ended Nine Months Ended In thousands 2016 2015 2016 2015 Balance at beginning of period $ 22 $ 405 $ 120 $ — Purchases — — 112 577 Fair value adjustment included as an (increase) in interest expense (3 ) (247 ) (213 ) (419 ) Balance at end of period, included in other assets $ 19 $ 158 $ 19 $ 158

Long-Term Debt

Long-Term Debt	9 Months Ended
	Sep. 30, 2016
Debt Disclosure [Abstract]
Long-Term Debt	Note 7. Long-Term Debt Following is a summary of the Company’s long-term debt as of the periods indicated: September 30, 2016 December 31, 2015 In thousands Long-term Unamortized Net Long-term Debt Long-term Unamortized Net Long-term Senior revolving credit facility $ 435,400 $ (1,242 ) $ 434,158 $ 338,281 $ (1,022 ) $ 337,259 Amortizing loan 46,366 (1,161 ) 45,205 72,896 (1,670 ) 71,226 Total $ 481,766 $ (2,403 ) $ 479,363 $ 411,177 $ (2,692 ) $ 408,485 Unused amount of senior revolving credit facility (subject to borrowing base) $ 149,600 $ 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 (85% secured and 70% unsecured as of September 30, 2016). As of September 30, 2016, the Company had $70.7 million of eligible capacity under the facility. The facility also contains restrictive covenants and monthly and annual reporting requirements to the banks. At September 30, 2016, the Company was in compliance with all debt covenants. In December 2015, the Company and its wholly-owned subsidiary, RMR, entered into a credit agreement providing for a $75.7 million amortizing asset-backed loan to RMR. RMR purchased $86.1 million in automobile finance receivables, net of a $2.6 million allowance for credit losses, from the Company’s affiliates using the proceeds of the loan and an equity investment from the Company to fund such purchase. RMR holds $1.7 million in a restricted cash reserve account to satisfy provisions of the credit agreement. RMR pays interest of 3.00% per annum on the loan balance from the closing date until the date the loan balance has been fully repaid. The amortizing loan terminates in December 2022. The credit agreement allows RMR to prepay the loan when the outstanding balance falls below 20% of the original loan amount. 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 $3.1 million as of September 30, 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 September 30, 2016 December 31, 2015 Assets Cash $ 41 $ 376 Finance receivables 49,608 80,309 Allowance for credit losses (2,976 ) (2,588 ) Restricted cash 4,786 7,605 Repossessed assets at net realizable value 142 36 Other assets 10 — Total assets $ 51,611 $ 85,738 Liabilities Net long-term debt $ 45,205 $ 71,226 Accounts payable and accrued expenses 4 50 Total liabilities $ 45,209 $ 71,276

Stockholders' Equity

Stockholders' Equity	9 Months Ended
	Sep. 30, 2016
Equity [Abstract]
Stockholders' Equity	Note 8. Stockholders’ Equity Stock repurchase: Board

Disclosure About Fair Value of

Disclosure About Fair Value of Financial Instruments	9 Months Ended
	Sep. 30, 2016
Fair Value Disclosures [Abstract]
Disclosure About Fair Value of Financial Instruments	Note 9. 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: September 30, 2016 December 31, 2015 In thousands Carrying Estimated Carrying Estimated Assets Level 1 inputs Cash $ 3,959 $ 3,959 $ 7,654 $ 7,654 Restricted cash 7,906 7,906 10,506 10,506 Level 2 inputs Interest rate caps 19 19 120 120 Level 3 inputs Net finance receivables 657,049 657,049 590,992 590,992 Repossessed assets 429 429 307 307 Liabilities Level 3 inputs Long-term debt 481,766 481,766 411,177 411,177 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	9 Months Ended
	Sep. 30, 2016
Earnings Per Share [Abstract]
Earnings Per Share	Note 10. Earnings Per Share The following schedule reconciles the computation of basic and diluted earnings per share for the periods indicated: Three Months Ended September 30, Nine Months Ended September 30, In thousands, except per share amounts 2016 2015 2016 2015 Numerator: Net income $ 6,476 $ 6,507 $ 17,564 $ 15,998 Denominator: Weighted average shares outstanding for basic earnings per share 11,384 12,881 11,963 12,835 Effect of dilutive securities 280 230 231 228 Weighted average shares adjusted for dilutive securities 11,664 13,111 12,194 13,063 Earnings per share: Basic $ 0.57 $ 0.51 $ 1.47 $ 1.25 Diluted $ 0.56 $ 0.50 $ 1.44 $ 1.22 Options to purchase 310 thousand and 488 thousand shares of common stock were outstanding during the three and nine months ended September 30, 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	9 Months Ended
	Sep. 30, 2016
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Share-Based Compensation	Note 11. Share-Based Compensation The Company previously adopted the 2007 Management Incentive Plan (the “ 2007 Plan 2011 Plan 2015 Plan For the three months ended September 30, 2016 and 2015, the Company recorded share-based compensation expense of $1.2 million and $0.4 million, respectively. The Company recorded $3.0 million and $3.6 million in share-based compensation for the nine months ended September 30, 2016 and 2015, respectively. As of September 30, 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 1.9 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. Nine Months Ended September 30, 2016 2015 Expected volatility 46.04 % 47.15 % Expected dividends 0.00 % 0.00 % Expected term (in years) 5.80 6.15 Risk-free rate 1.32 % 1.62 % 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 nine months ended September 30, 2016: In thousands, except per share amounts Number of Weighted-Average Price Per Share Weighted-Average Contractual Aggregate Options outstanding at beginning of the year 1,044 $ 13.36 Granted 329 17.49 Exercised (160 ) 12.76 Forfeited (4 ) 15.66 Expired — — Options outstanding at September 30, 2016 1,209 $ 14.55 6.4 $ 8,903 Options exercisable at September 30, 2016 542 $ 11.42 3.7 $ 5,681 Available for grant at September 30, 2016 202 The following table provides additional stock option information for the periods indicated: Three Months Ended September 30, Nine Months Ended September 30, In thousands, except per share amounts 2016 2015 2016 2015 Weighted-average grant date fair value per share $ 8.36 $ 8.56 $ 7.74 $ 7.13 Intrinsic value of options exercised $ 708 $ 630 $ 979 $ 1,524 Fair value of stock options that vested $ — $ 42 $ 647 $ 892 Restricted stock units: The following table summarizes restricted stock unit activity during the nine months ended September 30, 2016: In thousands, except per unit amounts Units Weighted-Average Grant Date Fair Value Non-vested units, beginning of the year 124 $ 15.55 Granted 73 17.02 Vested — — Forfeited (1 ) 15.59 Non-vested units, at September 30, 2016 196 $ 16.10 The following table provides additional restricted stock unit information for the periods indicated: Three Months Ended September 30, Nine Months Ended September 30, 2016 2015 2016 2015 Weighted-average grant date fair value per unit $ — $ 19.01 $ 17.02 $ 14.88 Cash-settled performance units: The following table summarizes cash-settled performance unit activity during the nine months ended September 30, 2016: In thousands, except per unit amounts Units Weighted-Average Grant Date Fair Value Non-vested units, beginning of the year 1,923 $ 1.00 Granted 1,252 1.00 Vested — — Forfeited (21 ) 1.00 Non-vested units, at September 30, 2016 3,154 $ 1.00 Restricted stock awards: The following table summarizes restricted stock activity during the nine months ended September 30, 2016: In thousands, except per share amounts Shares Weighted-Average Grant Date Fair Value Non-vested shares, beginning of the year 23 $ 16.74 Granted 37 16.37 Vested (21 ) 16.62 Forfeited — — Non-vested shares, at September 30, 2016 39 $ 16.46 The following table provides additional restricted stock information: Three Months Ended September 30, Nine Months Ended September 30, In thousands, except per share amounts 2016 2015 2016 2015 Weighted-average grant date fair value per share $ — $ 19.42 $ 16.37 $ 15.36 Fair value of restricted stock awards that vested $ — $ — $ 347 $ 2,198

Commitments and Contingencies

Commitments and Contingencies	9 Months Ended
	Sep. 30, 2016
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Note 12. 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 (the “ Court Defendants 1933 Act Claims Plaintiffs 1934 Act Claims On March 30, 2016, the Court granted the Defendants’ motion to dismiss the Second Amended Complaint in its entirety. On May 23, 2016, the Plaintiffs moved for leave to file a third amended complaint. The Defendants’ opposition brief was filed on June 9, 2016, and the Plaintiffs’ reply was filed on June 20, 2016. The motion for leave to amend remains under consideration by the Court. The Company believes that the claims against it are without merit and will continue to defend against the litigation vigorously. 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, as appropriate. In addition, the Company is involved in a purchase price dispute stemming from the Company’s acquisition of certain consumer loan receivables. The dispute has been submitted to a large public accounting firm for resolution and determination of the final purchase price for such receivables pursuant to the terms of the purchase agreement. The final purchase price will be between $27.9 million and $29.9 million, and the Company has already paid $28.1 million toward the purchase price. The Company is currently vigorously defending its position in the dispute. 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 September 30, 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 Sig19

Basis of Presentation and Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 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 interest 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:
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 relates to probable incurred losses of unimpaired finance receivables. Prior to September 30, 2016, the general component of the allowance was primarily based on historical loss rates. Effective September 30, 2016, it is based on delinquency roll rates. The Company’s finance receivable types are stratified by delinquency stages, and the future monthly delinquency profiles and charge-offs are projected forward using historical delinquency roll rates. The Company records a general allowance for credit losses that includes forecasted future charge-offs over the estimated loss emergence period (the interval of time between the event which caused a borrower to default and the Company’s recording of the charge-off) for each finance receivable type. The Company adjusts the computed roll rate forecast 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 roll rate forecast. Those qualitative factors include trends in growth in the loan portfolio, delinquency, unemployment, bankruptcy, operational risks, and other economic trends.
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 its 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 its consolidated financial statements. In May 2016, the FASB issued an accounting update providing narrow scope improvements and practical expedients related to the previous update for Revenue from Contracts with Customers. The amendments in this update do not change the core revenue recognition principles. The update addresses certain issues identified in the guidance on assessing collectability, presentation of sales taxes, noncash consideration, and completed contracts and contract modifications at transition. This update is effective for annual and interim periods beginning after December 15, 2017. The Company is currently evaluating the potential impact of the new revenue recognition standard on its consolidated financial statements. In June 2016, the FASB issued an accounting update to change the impairment model for estimating credit losses on financial assets. The current incurred loss impairment model requires the recognition of credit losses when it is probable that a loss has been incurred. The incurred loss model will be replaced by an expected loss model, which requires entities to estimate the lifetime expected credit loss on such instruments and to record an allowance to offset the amortized cost basis of the financial asset. This update is effective for annual and interim periods beginning after December 15, 2019, and early adoption is permitted. The Company is currently evaluating the potential impact of this guidance on its consolidated financial statements. In August 2016, the FASB issued an accounting update to provide specific guidance on certain cash flow classification issues to reduce diversity in practice. These issues include debt prepayment or extinguishment costs, contingent consideration payments after business combination, beneficial interest in securitization transactions, and proceeds from insurance claims. This update is effective for annual and interim periods beginning after December 15, 2017 and early adoption is permitted. The Company is currently evaluating the potential impact of the new standards on its consolidated financial statements.

Finance Receivables, Credit Q20

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses (Tables)	9 Months Ended
	Sep. 30, 2016
Receivables [Abstract]
Summary of Finance Receivables	Finance receivables for the periods indicated consisted of the following: In thousands September 30, 2016 December 31, 2015 Small loans $ 349,390 $ 338,157 Large loans 217,102 146,553 Automobile loans 97,141 116,109 Retail loans 32,516 27,625 Finance receivables $ 696,149 $ 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: September 30, 2016 Small Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % Current $ 282,836 81.0 % $ 188,364 86.7 % $ 71,230 73.3 % $ 26,982 82.9 % $ 569,412 81.8 % 1 to 29 days past due 36,385 10.4 % 18,596 8.6 % 18,452 19.0 % 3,664 11.3 % 77,097 11.1 % Delinquent accounts 30 to 59 days 9,845 2.8 % 3,691 1.7 % 3,134 3.2 % 653 2.1 % 17,323 2.4 % 60 to 89 days 6,671 1.9 % 2,121 1.0 % 1,842 1.9 % 332 1.0 % 10,966 1.6 % 90 to 119 days 5,306 1.5 % 1,688 0.8 % 1,024 1.1 % 345 1.0 % 8,363 1.3 % 120 to 149 days 4,440 1.3 % 1,568 0.7 % 891 0.9 % 316 1.0 % 7,215 1.0 % 150 to 179 days 3,907 1.1 % 1,074 0.5 % 568 0.6 % 224 0.7 % 5,773 0.8 % Total delinquency $ 30,169 8.6 % $ 10,142 4.7 % $ 7,459 7.7 % $ 1,870 5.8 % $ 49,640 7.1 % Total finance receivables $ 349,390 100.0 % $ 217,102 100.0 % $ 97,141 100.0 % $ 32,516 100.0 % $ 696,149 100.0 % Finance receivables in nonaccrual status $ 13,653 3.9 % $ 4,330 2.0 % $ 2,483 2.6 % $ 885 2.7 % $ 21,351 3.1 % December 31, 2015 Small Large Automobile Retail Total In thousands $ % $ % $ % $ % $ % Current $ 270,635 80.1 % $ 127,374 86.9 % $ 79,878 68.8 % $ 22,704 82.2 % $ 500,591 79.7 % 1 to 29 days past due 37,337 11.0 % 14,234 9.7 % 27,518 23.7 % 3,500 12.7 % 82,589 13.1 % Delinquent accounts 30 to 59 days 8,841 2.6 % 2,157 1.5 % 4,119 3.5 % 537 1.9 % 15,654 2.5 % 60 to 89 days 6,430 1.9 % 1,153 0.8 % 1,959 1.7 % 316 1.1 % 9,858 1.6 % 90 to 119 days 5,620 1.6 % 682 0.4 % 1,147 1.0 % 247 1.0 % 7,696 1.1 % 120 to 149 days 4,928 1.5 % 574 0.4 % 1,003 0.9 % 173 0.6 % 6,678 1.1 % 150 to 179 days 4,366 1.3 % 379 0.3 % 485 0.4 % 148 0.5 % 5,378 0.9 % Total delinquency $ 30,185 8.9 % $ 4,945 3.4 % $ 8,713 7.5 % $ 1,421 5.1 % $ 45,264 7.2 % Total finance receivables $ 338,157 100.0 % $ 146,553 100.0 % $ 116,109 100.0 % $ 27,625 100.0 % $ 628,444 100.0 % Finance receivables in nonaccrual status $ 14,914 4.4 % $ 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 September 30, Nine Months Ended September 30, In thousands 2016 2015 2016 2015 Balance at beginning of period $ 36,200 $ 36,171 $ 37,452 $ 40,511 Provision for credit losses 16,410 14,085 43,587 35,899 Charge-offs (14,680 ) (13,158 ) (45,576 ) (40,706 ) Recoveries 1,170 688 3,637 2,082 Balance at end of period $ 39,100 $ 37,786 $ 39,100 $ 37,786
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 July 1, 2016 Provision Charge-offs Recoveries Balance September 30, 2016 Finance Receivables September 30, 2016 Allowance as Finance Receivable Small loans $ 18,752 $ 11,103 $ (9,722 ) $ 667 $ 20,800 $ 349,390 6.0 % Large loans 7,886 4,209 (2,436 ) 141 9,800 217,102 4.5 % Automobile loans 7,851 308 (1,976 ) 317 6,500 97,141 6.7 % Retail loans 1,711 790 (546 ) 45 2,000 32,516 6.2 % Total $ 36,200 $ 16,410 $ (14,680 ) $ 1,170 $ 39,100 $ 696,149 5.6 % In thousands Balance July 1, 2015 Provision Charge-offs Recoveries Balance September 30, 2015 Finance Receivables September 30, Allowance as Percentage of Finance Receivable September 30, 2015 Small loans $ 18,343 $ 10,843 $ (9,179 ) $ 402 $ 20,409 $ 328,207 6.2 % Large loans 5,364 1,000 (715 ) 84 5,733 119,731 4.8 % Automobile loans 11,121 1,839 (2,845 ) 178 10,293 128,131 8.0 % Retail loans 1,343 403 (419 ) 24 1,351 25,539 5.3 % Total $ 36,171 $ 14,085 $ (13,158 ) $ 688 $ 37,786 $ 601,608 6.3 % In thousands Balance January 1, 2016 Provision Charge-offs Recoveries Balance September 30, 2016 Finance Allowance as Finance Receivable Small loans $ 21,535 $ 29,200 $ (32,170 ) $ 2,235 $ 20,800 $ 349,390 6.0 % Large loans 5,593 9,359 (5,534 ) 382 9,800 217,102 4.5 % Automobile loans 8,828 3,077 (6,272 ) 867 6,500 97,141 6.7 % Retail loans 1,496 1,951 (1,600 ) 153 2,000 32,516 6.2 % Total $ 37,452 $ 43,587 $ (45,576 ) $ 3,637 $ 39,100 $ 696,149 5.6 % In thousands Balance January 1, 2015 Provision Charge-offs Recoveries Balance September 30, 2015 Finance Receivables September 30, Allowance as Percentage of September 30, 2015 Small loans $ 25,280 $ 23,284 $ (29,401 ) $ 1,246 $ 20,409 $ 328,207 6.2 % Large loans 1,980 5,271 (1,719 ) 201 5,733 119,731 4.8 % Automobile loans 11,776 6,273 (8,303 ) 547 10,293 128,131 8.0 % Retail loans 1,475 1,071 (1,283 ) 88 1,351 25,539 5.3 % Total $ 40,511 $ 35,899 $ (40,706 ) $ 2,082 $ 37,786 $ 601,608 6.3 %
Schedule of Impaired Finance Receivables	The following is a summary of impaired finance receivables as of the periods indicated: In thousands September 30, 2016 December 31, 2015 Small loans $ 2,084 $ 1,009 Large loans 5,322 2,760 Automobile loans 2,526 3,370 Retail loans 115 121 Total $ 10,047 $ 7,260
Summary of Finance Receivables Evaluated for Impairment	Following is a summary of finance receivables evaluated for impairment for the periods indicated: September 30, 2016 In thousands Small Large Automobile Retail Total Impaired receivables specifically evaluated $ 2,084 $ 5,322 $ 2,526 $ 115 $ 10,047 Finance receivables evaluated collectively 347,306 211,780 94,615 32,401 686,102 Finance receivables outstanding $ 349,390 $ 217,102 $ 97,141 $ 32,516 $ 696,149 Impaired receivables in nonaccrual status $ 231 $ 314 $ 191 $ 9 $ 745 Amount of the specific reserve for impaired accounts $ 487 $ 972 $ 615 $ 21 $ 2,095 Amount of the general component of the allowance $ 20,313 $ 8,828 $ 5,885 $ 1,979 $ 37,005 December 31, 2015 In thousands Small Large Automobile Retail Total Impaired receivables specifically evaluated $ 1,009 $ 2,760 $ 3,370 $ 121 $ 7,260 Finance receivables evaluated collectively 337,148 143,793 112,739 27,504 621,184 Finance receivables outstanding $ 338,157 $ 146,553 $ 116,109 $ 27,625 $ 628,444 Impaired receivables in nonaccrual status $ 204 $ 83 $ 415 $ 17 $ 719 Amount of the specific reserve for impaired accounts $ 266 $ 560 $ 862 $ 20 $ 1,708 Amount of the general component of the allowance $ 21,269 $ 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 September 30, Nine Months Ended September 30, In thousands 2016 2015 2016 2015 Small loans $ 1,908 $ 1,096 $ 1,497 $ 1,114 Large loans 4,861 1,340 3,992 1,291 Automobile loans 2,643 3,567 2,879 3,616 Retail loans 119 129 115 126 Total average recorded investment $ 9,531 $ 6,132 $ 8,483 $ 6,147

Leases (Tables)

Leases (Tables)	9 Months Ended
	Sep. 30, 2016
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 September 30, 2016 are as follows: In thousands Amount 2016 $ 1,775 2017 5,594 2018 4,083 2019 2,614 2020 2,362 Thereafter 7,978 Total $ 24,406

Intangibles (Tables)

Intangibles (Tables)	9 Months Ended
	Sep. 30, 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: September 30, 2016 December 31, 2015 In thousands Gross Carrying Accumulated Net Amount Gross Carrying Accumulated Net Amount Customer list $ 2,485 $ (2,210 ) $ 275 $ 2,516 $ (2,044 ) $ 472 Software 7,844 (3,511 ) 4,333 4,173 (2,338 ) 1,835 Total intangible assets $ 10,329 $ (5,721 ) $ 4,608 $ 6,689 $ (4,382 ) $ 2,307
Summary of Future Amortization of Intangible Assets	The following table sets forth the future amortization of intangible assets: In thousands Amount 2016 $ 937 2017 1,095 2018 732 2019 551 2020 491 Thereafter 802 Total $ 4,608

Interest Rate Caps (Tables)

Interest Rate Caps (Tables)	9 Months Ended
	Sep. 30, 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: Three Months Ended Nine Months Ended In thousands 2016 2015 2016 2015 Balance at beginning of period $ 22 $ 405 $ 120 $ — Purchases — — 112 577 Fair value adjustment included as an (increase) in interest expense (3 ) (247 ) (213 ) (419 ) Balance at end of period, included in other assets $ 19 $ 158 $ 19 $ 158

Long-Term Debt (Tables)

Long-Term Debt (Tables)	9 Months Ended
	Sep. 30, 2016
Summary of the Company's Debt	Following is a summary of the Company’s long-term debt as of the periods indicated: September 30, 2016 December 31, 2015 In thousands Long-term Unamortized Net Long-term Debt Long-term Unamortized Net Long-term Senior revolving credit facility $ 435,400 $ (1,242 ) $ 434,158 $ 338,281 $ (1,022 ) $ 337,259 Amortizing loan 46,366 (1,161 ) 45,205 72,896 (1,670 ) 71,226 Total $ 481,766 $ (2,403 ) $ 479,363 $ 411,177 $ (2,692 ) $ 408,485 Unused amount of senior revolving credit facility (subject to borrowing base) $ 149,600 $ 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 September 30, 2016 December 31, 2015 Assets Cash $ 41 $ 376 Finance receivables 49,608 80,309 Allowance for credit losses (2,976 ) (2,588 ) Restricted cash 4,786 7,605 Repossessed assets at net realizable value 142 36 Other assets 10 — Total assets $ 51,611 $ 85,738 Liabilities Net long-term debt $ 45,205 $ 71,226 Accounts payable and accrued expenses 4 50 Total liabilities $ 45,209 $ 71,276

Disclosure About Fair Value o25

Disclosure About Fair Value of Financial Instruments (Tables)	9 Months Ended
	Sep. 30, 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: September 30, 2016 December 31, 2015 In thousands Carrying Estimated Carrying Estimated Assets Level 1 inputs Cash $ 3,959 $ 3,959 $ 7,654 $ 7,654 Restricted cash 7,906 7,906 10,506 10,506 Level 2 inputs Interest rate caps 19 19 120 120 Level 3 inputs Net finance receivables 657,049 657,049 590,992 590,992 Repossessed assets 429 429 307 307 Liabilities Level 3 inputs Long-term debt 481,766 481,766 411,177 411,177

Earnings Per Share (Tables)

Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 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 September 30, Nine Months Ended September 30, In thousands, except per share amounts 2016 2015 2016 2015 Numerator: Net income $ 6,476 $ 6,507 $ 17,564 $ 15,998 Denominator: Weighted average shares outstanding for basic earnings per share 11,384 12,881 11,963 12,835 Effect of dilutive securities 280 230 231 228 Weighted average shares adjusted for dilutive securities 11,664 13,111 12,194 13,063 Earnings per share: Basic $ 0.57 $ 0.51 $ 1.47 $ 1.25 Diluted $ 0.56 $ 0.50 $ 1.44 $ 1.22

Share-Based Compensation (Table

Share-Based Compensation (Tables)	9 Months Ended
	Sep. 30, 2016
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
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. Nine Months Ended September 30, 2016 2015 Expected volatility 46.04 % 47.15 % Expected dividends 0.00 % 0.00 % Expected term (in years) 5.80 6.15 Risk-free rate 1.32 % 1.62 %
Summary of Company's Stock Option Plan Activity	The following table summarizes the stock option activity for the nine months ended September 30, 2016: In thousands, except per share amounts Number of Weighted-Average Price Per Share Weighted-Average Contractual Aggregate Options outstanding at beginning of the year 1,044 $ 13.36 Granted 329 17.49 Exercised (160 ) 12.76 Forfeited (4 ) 15.66 Expired — — Options outstanding at September 30, 2016 1,209 $ 14.55 6.4 $ 8,903 Options exercisable at September 30, 2016 542 $ 11.42 3.7 $ 5,681 Available for grant at September 30, 2016 202
Summary of Additional Stock Option Information	The following table provides additional stock option information for the periods indicated: Three Months Ended September 30, Nine Months Ended September 30, In thousands, except per share amounts 2016 2015 2016 2015 Weighted-average grant date fair value per share $ 8.36 $ 8.56 $ 7.74 $ 7.13 Intrinsic value of options exercised $ 708 $ 630 $ 979 $ 1,524 Fair value of stock options that vested $ — $ 42 $ 647 $ 892
Summary of Restricted Stock Unit Activity	The following table summarizes restricted stock unit activity during the nine months ended September 30, 2016: In thousands, except per unit amounts Units Weighted-Average Grant Date Fair Value Non-vested units, beginning of the year 124 $ 15.55 Granted 73 17.02 Vested — — Forfeited (1 ) 15.59 Non-vested units, at September 30, 2016 196 $ 16.10
Summary of Additional Restricted Stock Unit Information	The following table provides additional restricted stock unit information for the periods indicated: Three Months Ended September 30, Nine Months Ended September 30, 2016 2015 2016 2015 Weighted-average grant date fair value per unit $ — $ 19.01 $ 17.02 $ 14.88
Summary of Cash Settled Performance Shares Activity	The following table summarizes cash-settled performance unit activity during the nine months ended September 30, 2016: In thousands, except per unit amounts Units Weighted-Average Grant Date Fair Value Non-vested units, beginning of the year 1,923 $ 1.00 Granted 1,252 1.00 Vested — — Forfeited (21 ) 1.00 Non-vested units, at September 30, 2016 3,154 $ 1.00
Summary of Restricted Stock Activity	The following table summarizes restricted stock activity during the nine months ended September 30, 2016: In thousands, except per share amounts Shares Weighted-Average Grant Date Fair Value Non-vested shares, beginning of the year 23 $ 16.74 Granted 37 16.37 Vested (21 ) 16.62 Forfeited — — Non-vested shares, at September 30, 2016 39 $ 16.46
Summary of Additional Restricted Stock Information	The following table provides additional restricted stock information: Three Months Ended September 30, Nine Months Ended September 30, In thousands, except per share amounts 2016 2015 2016 2015 Weighted-average grant date fair value per share $ — $ 19.42 $ 16.37 $ 15.36 Fair value of restricted stock awards that vested $ — $ — $ 347 $ 2,198

Nature of Business - Additional

Nature of Business - Additional Information (Detail)	9 Months Ended
	Sep. 30, 2016LocationOffice
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations	338
Number of offices opened | Office	7
Alabama [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Number of locations	49
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 Sig29

Basis of Presentation and Significant Accounting Policies - Additional Information (Detail) - Segment	1 Months Ended	9 Months Ended	12 Months Ended
	Sep. 30, 2014	Sep. 30, 2016	Dec. 31, 2014
Nature Of Business And Significant Accounting Policies [Line Items]
Number of segment		1
Contractual delinquent period of loans	180 days		180 days
Bankruptcy delinquency threshold			60 days
Previously Reported [Member]
Nature Of Business And Significant Accounting Policies [Line Items]
Contractual delinquent period of loans	365 days

Finance Receivables, Credit Q30

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Finance Receivables (Detail) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015	Sep. 30, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	$ 696,149	$ 628,444	$ 601,608
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	349,390	338,157	328,207
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	217,102	146,553	119,731
Automobile Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	97,141	116,109	128,131
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Finance receivables	$ 32,516	$ 27,625	$ 25,539

Finance Receivables, Credit Q31

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Contractual Delinquency of the Finance Receivable Portfolio by Component (Detail) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2016	Dec. 31, 2015	Sep. 30, 2015
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 49,640	$ 45,264
Past due, Percent	7.10%	7.20%
Finance receivables	$ 696,149	$ 628,444	$ 601,608
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 21,351	$ 19,752
Finance receivables in nonaccrual status, Percent	3.10%	3.10%
Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 569,412	$ 500,591
Current, Percent	81.80%	79.70%
1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 77,097	$ 82,589
Past due, Percent	11.10%	13.10%
Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 17,323	$ 15,654
Past due, Percent	2.40%	2.50%
Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 10,966	$ 9,858
Past due, Percent	1.60%	1.60%
Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 8,363	$ 7,696
Past due, Percent	1.30%	1.10%
Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 7,215	$ 6,678
Past due, Percent	1.00%	1.10%
Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 5,773	$ 5,378
Past due, Percent	0.80%	0.90%
Small Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 30,169	$ 30,185
Past due, Percent	8.60%	8.90%
Finance receivables	$ 349,390	$ 338,157	328,207
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 13,653	$ 14,914
Finance receivables in nonaccrual status, Percent	3.90%	4.40%
Small Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 282,836	$ 270,635
Current, Percent	81.00%	80.10%
Small Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 36,385	$ 37,337
Past due, Percent	10.40%	11.00%
Small Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 9,845	$ 8,841
Past due, Percent	2.80%	2.60%
Small Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 6,671	$ 6,430
Past due, Percent	1.90%	1.90%
Small Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 5,306	$ 5,620
Past due, Percent	1.50%	1.60%
Small Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 4,440	$ 4,928
Past due, Percent	1.30%	1.50%
Small Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 3,907	$ 4,366
Past due, Percent	1.10%	1.30%
Large Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 10,142	$ 4,945
Past due, Percent	4.70%	3.40%
Finance receivables	$ 217,102	$ 146,553	119,731
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 4,330	$ 1,635
Finance receivables in nonaccrual status, Percent	2.00%	1.10%
Large Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 188,364	$ 127,374
Current, Percent	86.70%	86.90%
Large Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 18,596	$ 14,234
Past due, Percent	8.60%	9.70%
Large Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 3,691	$ 2,157
Past due, Percent	1.70%	1.50%
Large Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 2,121	$ 1,153
Past due, Percent	1.00%	0.80%
Large Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 1,688	$ 682
Past due, Percent	0.80%	0.40%
Large Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 1,568	$ 574
Past due, Percent	0.70%	0.40%
Large Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 1,074	$ 379
Past due, Percent	0.50%	0.30%
Automobile Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 7,459	$ 8,713
Past due, Percent	7.70%	7.50%
Finance receivables	$ 97,141	$ 116,109	128,131
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 2,483	$ 2,635
Finance receivables in nonaccrual status, Percent	2.60%	2.30%
Automobile Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 71,230	$ 79,878
Current, Percent	73.30%	68.80%
Automobile Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 18,452	$ 27,518
Past due, Percent	19.00%	23.70%
Automobile Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 3,134	$ 4,119
Past due, Percent	3.20%	3.50%
Automobile Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 1,842	$ 1,959
Past due, Percent	1.90%	1.70%
Automobile Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 1,024	$ 1,147
Past due, Percent	1.10%	1.00%
Automobile Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 891	$ 1,003
Past due, Percent	0.90%	0.90%
Automobile Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 568	$ 485
Past due, Percent	0.60%	0.40%
Retail Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 1,870	$ 1,421
Past due, Percent	5.80%	5.10%
Finance receivables	$ 32,516	$ 27,625	$ 25,539
Total finance receivables, Percent	100.00%	100.00%
Finance receivables in nonaccrual status	$ 885	$ 568
Finance receivables in nonaccrual status, Percent	2.70%	2.10%
Retail Loans [Member] | Financing Receivables, Current [Member]
Financing Receivable, Recorded Investment [Line Items]
Current	$ 26,982	$ 22,704
Current, Percent	82.90%	82.20%
Retail Loans [Member] | 1 to 29 Days Past Due [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 3,664	$ 3,500
Past due, Percent	11.30%	12.70%
Retail Loans [Member] | Delinquent Accounts 30 to 59 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 653	$ 537
Past due, Percent	2.10%	1.90%
Retail Loans [Member] | Delinquent Accounts 60 to 89 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 332	$ 316
Past due, Percent	1.00%	1.10%
Retail Loans [Member] | Delinquent Accounts 90 to 119 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 345	$ 247
Past due, Percent	1.00%	1.00%
Retail Loans [Member] | Delinquent Accounts 120 to 149 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 316	$ 173
Past due, Percent	1.00%	0.60%
Retail Loans [Member] | Delinquent Accounts 150 to 179 Days [Member]
Financing Receivable, Recorded Investment [Line Items]
Past due	$ 224	$ 148
Past due, Percent	0.70%	0.50%

Finance Receivables, Credit Q32

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		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Receivables [Abstract]
Balance at beginning of period	$ 36,200	$ 36,171	$ 37,452	$ 40,511
Provision for credit losses	16,410	14,085	43,587	35,899
Charge-offs	(14,680)	(13,158)	(45,576)	(40,706)
Recoveries	1,170	688	3,637	2,082
Balance at end of period	$ 39,100	$ 37,786	$ 39,100	$ 37,786

Finance Receivables, Credit Q33

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Additional Information (Detail) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015	Dec. 31, 2015
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit losses - factors influencing management's judgment			Prior to September 30, 2016, the general component of the allowance for credit losses was primarily based on historical loss rates. Effective September 30, 2016, it is primarily based on delinquency roll rates. Delinquency roll rate modeling is forward-looking and common practice in the consumer finance industry.
Increase (decrease) in provision for credit losses	$ (500)		$ (500)
Increase (decrease) in net income	$ 6,476	$ 6,507	$ 17,564	$ 15,998	$ 23,365
Increase (decrease) in diluted earnings per share	$ 0.56	$ 0.50	$ 1.44	$ 1.22
Impaired finance receivables as a percentage of total finance receivables			1.40%		1.20%
Change in Accounting Method Accounted for as Change in Estimate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Increase (decrease) in net income	$ 300		$ 300
Increase (decrease) in diluted earnings per share	$ 0.03		$ 0.03

Finance Receivables, Credit Q34

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Reconciliation of Allowance for Credit Losses (Detail) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015	Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 36,200	$ 36,171	$ 37,452	$ 40,511
Provision	16,410	14,085	43,587	35,899
Charge-offs	(14,680)	(13,158)	(45,576)	(40,706)
Recoveries	1,170	688	3,637	2,082
Balance at end of period	39,100	37,786	39,100	37,786
Finance receivables	$ 696,149	$ 601,608	$ 696,149	$ 601,608	$ 628,444
Allowance as Percentage of Finance Receivable	5.60%	6.30%	5.60%	6.30%
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 18,752	$ 18,343	$ 21,535	$ 25,280
Provision	11,103	10,843	29,200	23,284
Charge-offs	(9,722)	(9,179)	(32,170)	(29,401)
Recoveries	667	402	2,235	1,246
Balance at end of period	20,800	20,409	20,800	20,409
Finance receivables	$ 349,390	$ 328,207	$ 349,390	$ 328,207	338,157
Allowance as Percentage of Finance Receivable	6.00%	6.20%	6.00%	6.20%
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 7,886	$ 5,364	$ 5,593	$ 1,980
Provision	4,209	1,000	9,359	5,271
Charge-offs	(2,436)	(715)	(5,534)	(1,719)
Recoveries	141	84	382	201
Balance at end of period	9,800	5,733	9,800	5,733
Finance receivables	$ 217,102	$ 119,731	$ 217,102	$ 119,731	146,553
Allowance as Percentage of Finance Receivable	4.50%	4.80%	4.50%	4.80%
Automobile Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 7,851	$ 11,121	$ 8,828	$ 11,776
Provision	308	1,839	3,077	6,273
Charge-offs	(1,976)	(2,845)	(6,272)	(8,303)
Recoveries	317	178	867	547
Balance at end of period	6,500	10,293	6,500	10,293
Finance receivables	$ 97,141	$ 128,131	$ 97,141	$ 128,131	116,109
Allowance as Percentage of Finance Receivable	6.70%	8.00%	6.70%	8.00%
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Balance at beginning of period	$ 1,711	$ 1,343	$ 1,496	$ 1,475
Provision	790	403	1,951	1,071
Charge-offs	(546)	(419)	(1,600)	(1,283)
Recoveries	45	24	153	88
Balance at end of period	2,000	1,351	2,000	1,351
Finance receivables	$ 32,516	$ 25,539	$ 32,516	$ 25,539	$ 27,625
Allowance as Percentage of Finance Receivable	6.20%	5.30%	6.20%	5.30%

Finance Receivables, Credit Q35

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Impaired Finance Receivables (Detail) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired finance receivables	$ 10,047	$ 7,260
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired finance receivables	2,084	1,009
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired finance receivables	5,322	2,760
Automobile Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired finance receivables	2,526	3,370
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired finance receivables	$ 115	$ 121

Finance Receivables, Credit Q36

Finance Receivables, Credit Quality Information, and Allowance for Credit Losses - Summary of Finance Receivables Evaluated for Impairment (Detail) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015	Sep. 30, 2015
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	$ 10,047	$ 7,260
Finance receivables evaluated collectively	686,102	621,184
Finance receivables	696,149	628,444	$ 601,608
Impaired receivables in nonaccrual status	745	719
Amount of the specific reserve for impaired accounts	2,095	1,708
Amount of the general component of the allowance	37,005	35,744
Small Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	2,084	1,009
Finance receivables evaluated collectively	347,306	337,148
Finance receivables	349,390	338,157	328,207
Impaired receivables in nonaccrual status	231	204
Amount of the specific reserve for impaired accounts	487	266
Amount of the general component of the allowance	20,313	21,269
Large Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	5,322	2,760
Finance receivables evaluated collectively	211,780	143,793
Finance receivables	217,102	146,553	119,731
Impaired receivables in nonaccrual status	314	83
Amount of the specific reserve for impaired accounts	972	560
Amount of the general component of the allowance	8,828	5,033
Automobile Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	2,526	3,370
Finance receivables evaluated collectively	94,615	112,739
Finance receivables	97,141	116,109	128,131
Impaired receivables in nonaccrual status	191	415
Amount of the specific reserve for impaired accounts	615	862
Amount of the general component of the allowance	5,885	7,966
Retail Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Impaired receivables specifically evaluated	115	121
Finance receivables evaluated collectively	32,401	27,504
Finance receivables	32,516	27,625	$ 25,539
Impaired receivables in nonaccrual status	9	17
Amount of the specific reserve for impaired accounts	21	20
Amount of the general component of the allowance	$ 1,979	$ 1,476

Finance Receivables, Credit Q37

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		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Financing Receivable, Impaired [Line Items]
Total average recorded investment	$ 9,531	$ 6,132	$ 8,483	$ 6,147
Small Loans [Member]
Financing Receivable, Impaired [Line Items]
Total average recorded investment	1,908	1,096	1,497	1,114
Large Loans [Member]
Financing Receivable, Impaired [Line Items]
Total average recorded investment	4,861	1,340	3,992	1,291
Automobile Loans [Member]
Financing Receivable, Impaired [Line Items]
Total average recorded investment	2,643	3,567	2,879	3,616
Retail Loans [Member]
Financing Receivable, Impaired [Line Items]
Total average recorded investment	$ 119	$ 129	$ 115	$ 126

Leases - Summary of Future Mini

Leases - Summary of Future Minimum Rent Commitments Under Non-cancellable Operating Leases (Detail) $ in Thousands	Sep. 30, 2016USD ($)
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
2,016	$ 1,775
2,017	5,594
2,018	4,083
2,019	2,614
2,020	2,362
Thereafter	7,978
Total	$ 24,406

Leases - Additional Information

Leases - Additional Information (Detail) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Operating Leased Assets [Line Items]
Rent expense	$ 1.8	$ 1.6	$ 5.2	$ 4.5
Minimum [Member]
Operating Leased Assets [Line Items]
Lease extension period			1 year
Maximum [Member]
Operating Leased Assets [Line Items]
Lease extension period			10 years

Intangibles - Summary of Gross

Intangibles - Summary of Gross Carrying Amount and Related Accumulated Amortization of Definite-Lived Intangible Assets (Detail) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	$ 10,329	$ 6,689
Accumulated Amortization	(5,721)	(4,382)
Net Amount	4,608	2,307
Customer List [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	2,485	2,516
Accumulated Amortization	(2,210)	(2,044)
Net Amount	275	472
Software [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	7,844	4,173
Accumulated Amortization	(3,511)	(2,338)
Net Amount	$ 4,333	$ 1,835

Intangibles - Additional Inform

Intangibles - Additional Information (Detail) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Amortization expense for intangible assets	$ 0.5	$ 0.2	$ 1.5	$ 0.5

Intangibles - Summary of Future

Intangibles - Summary of Future Amortization of Intangible Assets (Detail) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
2,016	$ 937
2,017	1,095
2,018	732
2,019	551
2,020	491
Thereafter	802
Total	$ 4,608	$ 2,307

Interest Rate Caps - Additional

Interest Rate Caps - Additional Information (Detail)	9 Months Ended
	Sep. 30, 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) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Offsetting [Abstract]
Balance at beginning of period	$ 22	$ 405	$ 120
Purchases			112	$ 577
Fair value adjustment included as an (increase) in interest expense	(3)	(247)	(213)	(419)
Balance at end of period, included in other assets	$ 19	$ 158	$ 19	$ 158

Long-Term Debt - Summary of the

Long-Term Debt - Summary of the Company's Debt (Detail) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Debt Instrument [Line Items]
Long-term debt	$ 481,766	$ 411,177
Unamortized debt issuance costs	(2,403)	(2,692)
Net long-term debt	479,363	408,485
Senior Revolving Credit Facility [Member]
Debt Instrument [Line Items]
Long-term debt	435,400	338,281
Unamortized debt issuance costs	(1,242)	(1,022)
Net long-term debt	434,158	337,259
Unused amount of senior revolving credit facility (subject to borrowing base)	149,600	199,719
Amortizing Loan [Member]
Debt Instrument [Line Items]
Long-term debt	46,366	72,896
Unamortized debt issuance costs	(1,161)	(1,670)
Net long-term debt	$ 45,205	$ 71,226

Long-Term Debt - Additional Inf

Long-Term Debt - Additional Information (Detail) - USD ($)	9 Months Ended	12 Months Ended
	Sep. 30, 2016	Dec. 31, 2015	Jun. 30, 2016	Sep. 30, 2015	Jun. 30, 2015	Dec. 31, 2014
Line of Credit Facility [Line Items]
Finance receivables	$ 696,149,000	$ 628,444,000		$ 601,608,000
Allowance for credit losses	39,100,000	37,452,000	$ 36,200,000	37,786,000	$ 36,171,000	$ 40,511,000
Cash deposited to restricted cash reserve account	7,906,000	10,506,000
Waterfall [Member]
Line of Credit Facility [Line Items]
Cash deposited to restricted cash reserve account	3,100,000
Variable Interest Entity, Primary Beneficiary [Member]
Line of Credit Facility [Line Items]
Finance receivables	49,608,000	80,309,000
Allowance for credit losses	2,976,000	2,588,000
Cash deposited to restricted cash reserve account	$ 4,786,000	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	85.00%
Percentage of advances on debt agreement eligible unsecured finance receivables	70.00%
Credit facility, eligible capacity	$ 70,700,000
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		$ 1,700,000
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 Loans [Member]
Line of Credit Facility [Line Items]
Finance receivables	$ 97,141,000	$ 116,109,000		128,131,000
Allowance for credit losses	$ 6,500,000	8,828,000	$ 7,851,000	$ 10,293,000	$ 11,121,000	$ 11,776,000
Automobile Loans [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	Sep. 30, 2016	Jun. 30, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Dec. 31, 2014
Assets
Cash	$ 3,959		$ 7,654	$ 4,922		$ 4,012
Finance receivables	696,149		628,444	601,608
Allowance for credit losses	(39,100)	$ (36,200)	(37,452)	$ (37,786)	$ (36,171)	$ (40,511)
Restricted cash	7,906		10,506
Repossessed assets at net realizable value	429		307
Other assets	5,961		2,860
Total assets	691,329		626,373
Liabilities
Net long-term debt	479,363		408,485
Accounts payable and accrued expenses	11,436		12,661
Total liabilities	491,231		421,146
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	41		376
Finance receivables	49,608		80,309
Allowance for credit losses	(2,976)		(2,588)
Restricted cash	4,786		7,605
Repossessed assets at net realizable value	142		36
Other assets	10
Total assets	51,611		85,738
Liabilities
Net long-term debt	45,205		71,226
Accounts payable and accrued expenses	4		50
Total liabilities	$ 45,209		$ 71,276

Stockholders' Equity - Addition

Stockholders' Equity - Additional Information (Detail) - USD ($) $ / shares in Units, shares in Thousands	Jun. 10, 2016	Sep. 30, 2016	Feb. 29, 2016
Equity, Class of Treasury Stock [Line Items]
Treasury stock acquired, shares	1,546	1,546
Treasury stock acquired, average cost per share	$ 16.17
Maximum [Member] | Common Stock [Member]
Equity, Class of Treasury Stock [Line Items]
Stock repurchase program, authorized amount			$ 25,000,000

Disclosure About Fair Value o49

Disclosure About Fair Value of Financial Instruments - Additional Information (Detail)	9 Months Ended
	Sep. 30, 2016
Fair Value Disclosures [Abstract]
Turnover rate of loan portfolio	1.4

Disclosure About Fair Value o50

Disclosure About Fair Value of Financial Instruments - Carrying Amount and Estimated Fair Values of Company's Financial Instruments (Detail) - USD ($) $ in Thousands	Sep. 30, 2016	Jun. 30, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015
Assets
Interest rate caps	$ 19	$ 22	$ 120	$ 158	$ 405
Net finance receivables	657,049		590,992
Estimated Fair Value [Member] | Level 1 Inputs [Member]
Assets
Cash	3,959		7,654
Restricted cash	7,906		10,506
Estimated Fair Value [Member] | Level 2 Inputs [Member]
Assets
Interest rate caps	19		120
Estimated Fair Value [Member] | Level 3 Inputs [Member]
Assets
Net finance receivables	657,049		590,992
Repossessed assets	429		307
Liabilities
Long-term debt	481,766		411,177
Carrying Amount [Member] | Level 1 Inputs [Member]
Assets
Cash	3,959		7,654
Restricted cash	7,906		10,506
Carrying Amount [Member] | Level 2 Inputs [Member]
Assets
Interest rate caps	19		120
Carrying Amount [Member] | Level 3 Inputs [Member]
Assets
Net finance receivables	657,049		590,992
Repossessed assets	429		307
Liabilities
Long-term debt	$ 481,766		$ 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		9 Months Ended		12 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015	Dec. 31, 2015
Numerator:
Net income	$ 6,476	$ 6,507	$ 17,564	$ 15,998	$ 23,365
Denominator:
Weighted average shares outstanding for basic earnings per share	11,384	12,881	11,963	12,835
Effect of dilutive securities	280	230	231	228
Weighted average shares adjusted for dilutive securities	11,664	13,111	12,194	13,063
Basic	$ 0.57	$ 0.51	$ 1.47	$ 1.25
Diluted	$ 0.56	$ 0.50	$ 1.44	$ 1.22

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Detail) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Stock Compensation Plans [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Options to purchase common stock, Shares	310,000	488,000	310,000	488,000

Share-based Compensation - Addi

Share-based Compensation - Additional Information (Detail) - USD ($) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015	Apr. 22, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for grant	202,000		202,000
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	202,000		202,000
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			18 months
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		$ 5.9
Period of recognition of share-based compensation expense			1 year 10 months 24 days
Share-based compensation expense	$ 1.2	$ 0.4	$ 3	$ 3.6
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		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)	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Expected volatility	46.04%	47.15%
Expected dividends	0.00%	0.00%
Expected term (in years)	5 years 9 months 18 days	6 years 1 month 24 days
Risk-free rate	1.32%	1.62%

Share-based Compensation - Summ

Share-based Compensation - Summary of Company's Stock Option Plan Activity (Detail) $ / shares in Units, shares in Thousands, $ in Thousands	9 Months Ended
	Sep. 30, 2016USD ($)$ / sharesshares
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Number of Shares, Options outstanding, Beginning balance	1,044
Number of Shares, Granted	329
Number of Shares, Exercised	(160)
Number of Shares, Forfeited	(4)
Number of Shares, Expired	0
Number of Shares, Options outstanding, Ending balance	1,209
Number of Shares, Options exercisable	542
Number of Shares, Available for grant	202
Weighted Average Exercise Price Per Share, Options outstanding, Beginning balance | $ / shares	$ 13.36
Weighted Average Exercise Price Per Share, Granted | $ / shares	17.49
Weighted Average Exercise Price Per Share, Exercised | $ / shares	12.76
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	14.55
Weighted Average Exercise Price Per Share, Options exercisable | $ / shares	$ 11.42
Weighted Average Remaining Contractual Life (Years), Options outstanding	6 years 4 months 24 days
Weighted Average Remaining Contractual Life (Years), Options exercisable	3 years 8 months 12 days
Aggregate Intrinsic Value, Options outstanding | $	$ 8,903
Aggregate Intrinsic Value, Options exercisable | $	$ 5,681

Share-based Compensation - Su56

Share-based Compensation - Summary of Additional Stock Option Information (Detail) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]
Weighted-average grant date fair value per share	$ 8.36	$ 8.56	$ 7.74	$ 7.13
Intrinsic value of options exercised	$ 708	$ 630	$ 979	$ 1,524
Fair value of stock options that vested		$ 42	$ 647	$ 892

Share-based Compensation - Su57

Share-based Compensation - Summary of Restricted Stock Unit Activity (Detail) - Restricted Stock Units (RSUs) [Member] - $ / shares shares in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-vested shares, beginning of the year		124
Shares, Granted		73
Shares, Vested		0
Shares, Forfeited		(1)
Non-vested shares, end of the year		196
Weighted Average Grant Date Fair Value, Non-vested restricted stock, beginning of the year		$ 15.55
Weighted Average Grant Date Fair Value, Granted	$ 19.01	17.02	$ 14.88
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		$ 16.10

Share-based Compensation - Su58

Share-based Compensation - Summary of Additional Restricted Stock Unit Information (Detail) - $ / shares	3 Months Ended	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted-average grant date fair value per unit	$ 19.01	$ 17.02	$ 14.88

Share-based Compensation - Su59

Share-based Compensation - Summary of Cash Settled Performance Shares Activity (Detail) - Performance Units [Member] shares in Thousands	9 Months Ended
	Sep. 30, 2016$ / sharesshares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-vested shares, beginning of the year | shares	1,923
Units, Granted | shares	1,252
Units, Vested | shares	0
Units, Forfeited | shares	(21)
Non-vested shares, end of the year | shares	3,154
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 - Su60

Share-based Compensation - Summary of Restricted Stock Activity (Detail) - Restricted Stock [Member] - $ / shares shares in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Non-vested shares, beginning of the year		23
Shares, Granted		37
Shares, Vested		(21)
Shares, Forfeited		0
Non-vested shares, end of the year		39
Weighted Average Grant Date Fair Value, Non-vested restricted stock, beginning of the year		$ 16.74
Weighted Average Grant Date Fair Value, Granted	$ 19.42	16.37	$ 15.36
Weighted Average Grant Date Fair Value, Vested		16.62
Weighted Average Grant Date Fair Value, Forfeited		0
Weighted Average Grant Date Fair Value, Non-vested restricted stock, end of the period		$ 16.46

Share-based Compensation - Su61

Share-based Compensation - Summary of Additional Restricted Stock Information (Detail) - Restricted Stock [Member] - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted-average grant date fair value per share	$ 19.42	$ 16.37	$ 15.36
Fair value of restricted stock awards that vested		$ 347	$ 2,198

Commitments and Contingencies -

Commitments and Contingencies - Additional Information (Detail)	9 Months Ended
	Sep. 30, 2016USD ($)
Loss Contingencies [Line Items]
Business combination, final purchase price	$ 28,100,000
Loss contingency accrual	500,000
Minimum [Member]
Loss Contingencies [Line Items]
Business combination, final purchase price	27,900,000
Maximum [Member]
Loss Contingencies [Line Items]
Business combination, final purchase price	$ 29,900,000