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10-Q Filing

MICROFINANCIAL INC CIK: 827230 Q1 2012
Filing Information
Form Type 10-Q
Accession Number 0001193125-12-234474
Period End Date 20120331
Filing Date 20120515
Fiscal Year 2012
Fiscal Period Q1
XBRL Instance mfi-20120331.xml
Filing Contents

This filing contains the following financial statements:

Balance Sheet 68 line items
Line Item Tag Value Unit Period
Preferred stock, par value PreferredStockParOrStatedValuePerShare $0.01 USD Point-in-time
Preferred stock, par value PreferredStockParOrStatedValuePerShare $0.01 USD Point-in-time
Cash and cash equivalents CashAndCashEquivalentsAtCarryingValue $1.23M USD Point-in-time
Preferred stock, shares authorized PreferredStockSharesAuthorized 5.00M shares Point-in-time
Preferred stock, shares authorized PreferredStockSharesAuthorized 5.00M shares Point-in-time
Cash and cash equivalents CashAndCashEquivalentsAtCarryingValue $1.53M USD Point-in-time
Cash and cash equivalents CashAndCashEquivalentsAtCarryingValue $2.49M USD Point-in-time
Cash and cash equivalents CashAndCashEquivalentsAtCarryingValue $2.45M USD Point-in-time
Preferred stock, shares issued PreferredStockSharesIssued - shares Point-in-time
Restricted cash RestrictedCashAndCashEquivalentsAtCarryingValue $382.00K USD Point-in-time
Preferred stock, shares issued PreferredStockSharesIssued - shares Point-in-time
Restricted cash RestrictedCashAndCashEquivalentsAtCarryingValue $369.00K USD Point-in-time
Common stock, par value CommonStockParOrStatedValuePerShare $0.01 USD Point-in-time
Common stock, par value CommonStockParOrStatedValuePerShare $0.01 USD Point-in-time
Common stock, shares authorized CommonStockSharesAuthorized 25.00M shares Point-in-time
Common stock, shares authorized CommonStockSharesAuthorized 25.00M shares Point-in-time
Receivables due in installments CapitalLeasesNetInvestmentInDirectFinancingLeasesMinimumPaymentsToBeReceived $202.64M USD Point-in-time
Receivables due in installments CapitalLeasesNetInvestmentInDirectFinancingLeasesMinimumPaymentsToBeReceived $200.50M USD Point-in-time
Common stock, shares issued CommonStockSharesIssued 14.30M shares Point-in-time
Estimated residual value CapitalLeasesNetInvestmentInDirectFinancingLeasesUnguaranteedResidualValuesOfLeasedProperty $23.29M USD Point-in-time
Estimated residual value CapitalLeasesNetInvestmentInDirectFinancingLeasesUnguaranteedResidualValuesOfLeasedProperty $23.53M USD Point-in-time
Common stock, shares issued CommonStockSharesIssued 14.26M shares Point-in-time
Initial direct costs CapitalLeasesNetInvestmentInDirectFinancingLeasesInitialDirectCosts $1.48M USD Point-in-time
Initial direct costs CapitalLeasesNetInvestmentInDirectFinancingLeasesInitialDirectCosts $1.52M USD Point-in-time
Advance lease payments and deposits AdvanceLeasePaymentsAndDeposits $3.53M USD Point-in-time
Advance lease payments and deposits AdvanceLeasePaymentsAndDeposits $3.39M USD Point-in-time
Unearned income CapitalLeasesNetInvestmentInDirectFinancingLeasesDeferredIncome $59.95M USD Point-in-time
Unearned income CapitalLeasesNetInvestmentInDirectFinancingLeasesDeferredIncome $60.56M USD Point-in-time
Allowance for credit losses CapitalLeasesNetInvestmentInDirectFinancingLeasesAllowanceForUncollectibleMinimumLeasePayments $13.18M USD Point-in-time
Allowance for credit losses CapitalLeasesNetInvestmentInDirectFinancingLeasesAllowanceForUncollectibleMinimumLeasePayments $12.86M USD Point-in-time
Net investment in leases CapitalLeasesNetInvestmentInDirectFinancingLeases $150.88M USD Point-in-time
Net investment in leases CapitalLeasesNetInvestmentInDirectFinancingLeases $148.61M USD Point-in-time
Investment in rental contracts, net PropertySubjectToOrAvailableForOperatingLeaseNet $943.00K USD Point-in-time
Investment in rental contracts, net PropertySubjectToOrAvailableForOperatingLeaseNet $898.00K USD Point-in-time
Property and equipment, net PropertyPlantAndEquipmentNet $1.85M USD Point-in-time
Property and equipment, net PropertyPlantAndEquipmentNet $1.91M USD Point-in-time
Other assets OtherAssets $943.00K USD Point-in-time
Other assets OtherAssets $1.09M USD Point-in-time
Total assets Assets $155.34M USD Point-in-time
Total assets Assets $157.47M USD Point-in-time
Revolving line of credit LineOfCredit $62.98M USD Point-in-time
Revolving line of credit LineOfCredit $62.74M USD Point-in-time
Accounts payable AccountsPayableCurrentAndNoncurrent $2.55M USD Point-in-time
Accounts payable AccountsPayableCurrentAndNoncurrent $2.42M USD Point-in-time
Capital lease obligation CapitalLeaseObligations - USD Point-in-time
Capital lease obligation CapitalLeaseObligations $1.00K USD Point-in-time
Dividends payable DividendsPayableCurrentAndNoncurrent $19.00K USD Point-in-time
Dividends payable DividendsPayableCurrentAndNoncurrent $22.00K USD Point-in-time
Other liabilities OtherLiabilities $2.65M USD Point-in-time
Other liabilities OtherLiabilities $2.22M USD Point-in-time
Income taxes payable AccruedIncomeTaxes $760.00K USD Point-in-time
Income taxes payable AccruedIncomeTaxes $672.00K USD Point-in-time
Deferred income taxes DeferredIncomeTaxLiabilities $11.33M USD Point-in-time
Deferred income taxes DeferredIncomeTaxLiabilities $11.60M USD Point-in-time
Total liabilities Liabilities $80.35M USD Point-in-time
Total liabilities Liabilities $79.62M USD Point-in-time
Preferred stock, $.01 par value; 5,000,000 shares authorized; no shares issued at March 31, 2012 and December 31, 2011 PreferredStockValue - USD Point-in-time
Preferred stock, $.01 par value; 5,000,000 shares authorized; no shares issued at March 31, 2012 and December 31, 2011 PreferredStockValue - USD Point-in-time
Common stock, $.01 par value; 25,000,000 shares authorized; 14,297,524 and 14,257,324 shares issued at March 31, 2012 and December 31, 2011, respectively CommonStockValue $143.00K USD Point-in-time
Common stock, $.01 par value; 25,000,000 shares authorized; 14,297,524 and 14,257,324 shares issued at March 31, 2012 and December 31, 2011, respectively CommonStockValue $143.00K USD Point-in-time
Additional paid-in capital AdditionalPaidInCapitalCommonStock $46.98M USD Point-in-time
Additional paid-in capital AdditionalPaidInCapitalCommonStock $46.73M USD Point-in-time
Retained earnings RetainedEarningsAccumulatedDeficit $28.85M USD Point-in-time
Retained earnings RetainedEarningsAccumulatedDeficit $30.00M USD Point-in-time
Total stockholders' equity StockholdersEquity $77.12M USD Point-in-time
Total stockholders' equity StockholdersEquity $75.72M USD Point-in-time
Total liabilities and stockholders' equity LiabilitiesAndStockholdersEquity $155.34M USD Point-in-time
Total liabilities and stockholders' equity LiabilitiesAndStockholdersEquity $157.47M USD Point-in-time
Income Statement 36 line items
Line Item Tag Value Unit Period
Income on financing leases CapitalLeasesIncomeStatementDirectFinancingLeaseRevenue $9.10M USD 1 Quarter
Income on financing leases CapitalLeasesIncomeStatementDirectFinancingLeaseRevenue $9.63M USD 1 Quarter
Rental income OperatingLeasesIncomeStatementLeaseRevenue $2.32M USD 1 Quarter
Rental income OperatingLeasesIncomeStatementLeaseRevenue $2.01M USD 1 Quarter
Income on service contracts IncomeOnServiceContracts $108.00K USD 1 Quarter
Income on service contracts IncomeOnServiceContracts $85.00K USD 1 Quarter
Loss and damage waiver fees LossAndDamageWaiverFees $1.20M USD 1 Quarter
Loss and damage waiver fees LossAndDamageWaiverFees $1.29M USD 1 Quarter
Service fees and other RevenueOtherFinancialServices $920.00K USD 1 Quarter
Service fees and other RevenueOtherFinancialServices $932.00K USD 1 Quarter
Total revenues Revenues $13.35M USD 1 Quarter
Total revenues Revenues $14.24M USD 1 Quarter
Selling, general and administrative SellingGeneralAndAdministrativeExpense $4.36M USD 1 Quarter
Selling, general and administrative SellingGeneralAndAdministrativeExpense $3.95M USD 1 Quarter
Provision for credit losses ProvisionForLoanLeaseAndOtherLosses $4.75M USD 1 Quarter
Provision for credit losses ProvisionForLoanLeaseAndOtherLosses $4.90M USD 1 Quarter
Depreciation and amortization DepreciationDepletionAndAmortization $1.01M USD 1 Quarter
Depreciation and amortization DepreciationDepletionAndAmortization $681.00K USD 1 Quarter
Interest InterestExpense $663.00K USD 1 Quarter
Interest InterestExpense $633.00K USD 1 Quarter
Total expenses CostsAndExpenses $10.89M USD 1 Quarter
Total expenses CostsAndExpenses $10.05M USD 1 Quarter
Income before provision for income taxes IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments $3.30M USD 1 Quarter
Income before provision for income taxes IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments $3.35M USD 1 Quarter
Provision for income taxes IncomeTaxExpenseBenefit $1.34M USD 1 Quarter
Provision for income taxes IncomeTaxExpenseBenefit $1.27M USD 1 Quarter
Net income NetIncomeLoss $2.03M USD 1 Quarter
Net income NetIncomeLoss $2.01M USD 1 Quarter
Net income per common share - basic EarningsPerShareBasic $0.14 USD 1 Quarter
Net income per common share - basic EarningsPerShareBasic $0.14 USD 1 Quarter
Net income per common share - diluted EarningsPerShareDiluted $0.14 USD 1 Quarter
Net income per common share - diluted EarningsPerShareDiluted $0.14 USD 1 Quarter
Basic WeightedAverageNumberOfSharesOutstandingBasic 14.25M shares 1 Quarter
Basic WeightedAverageNumberOfSharesOutstandingBasic 14.28M shares 1 Quarter
Diluted WeightedAverageNumberOfDilutedSharesOutstanding 14.53M shares 1 Quarter
Diluted WeightedAverageNumberOfDilutedSharesOutstanding 14.60M shares 1 Quarter
Cash Flow Statement 68 line items
Line Item Tag Value Unit Period
Cash received from customers ProceedsFromCustomers $29.12M USD 1 Quarter
Cash received from customers ProceedsFromCustomers $25.79M USD 1 Quarter
Cash paid to suppliers and employees PaymentsToSuppliersAndEmployees $5.13M USD 1 Quarter
Cash paid to suppliers and employees PaymentsToSuppliersAndEmployees $4.59M USD 1 Quarter
Cash paid for income taxes IncomeTaxesPaid $1.16M USD 1 Quarter
Cash paid for income taxes IncomeTaxesPaid $22.00K USD 1 Quarter
Interest paid InterestPaid $556.00K USD 1 Quarter
Interest paid InterestPaid $616.00K USD 1 Quarter
Net cash provided by operating activities NetCashProvidedByUsedInOperatingActivities $20.56M USD 1 Quarter
Net cash provided by operating activities NetCashProvidedByUsedInOperatingActivities $22.27M USD 1 Quarter
Investment in lease and rental contracts PaymentsToAcquireLeasesHeldForInvestment $18.20M USD 1 Quarter
Investment in lease and rental contracts PaymentsToAcquireLeasesHeldForInvestment $21.18M USD 1 Quarter
Investment in direct costs PaymentForInvestmentInDirectCosts $240.00K USD 1 Quarter
Investment in direct costs PaymentForInvestmentInDirectCosts $348.00K USD 1 Quarter
Investment in property and equipment PaymentsToAcquirePropertyPlantAndEquipment $490.00K USD 1 Quarter
Investment in property and equipment PaymentsToAcquirePropertyPlantAndEquipment $95.00K USD 1 Quarter
Net cash used in investing activities NetCashProvidedByUsedInInvestingActivities $-18.93M USD 1 Quarter
Net cash used in investing activities NetCashProvidedByUsedInInvestingActivities $-21.62M USD 1 Quarter
Proceeds from secured debt ProceedsFromIssuanceOfSecuredDebt $29.55M USD 1 Quarter
Proceeds from secured debt ProceedsFromIssuanceOfSecuredDebt $24.62M USD 1 Quarter
Repayment of secured debt RepaymentsOfSecuredDebt $25.38M USD 1 Quarter
Repayment of secured debt RepaymentsOfSecuredDebt $29.31M USD 1 Quarter
Payment of debt closing costs PaymentsOfDebtClosingCosts $2.00K USD 1 Quarter
(Increase) decrease in restricted cash IncreaseDecreaseInRestrictedCash $-13.00K USD 1 Quarter
(Increase) decrease in restricted cash IncreaseDecreaseInRestrictedCash $199.00K USD 1 Quarter
Repayment of capital lease obligation RepaymentsOfLongTermCapitalLeaseObligations $13.00K USD 1 Quarter
Repayment of capital lease obligation RepaymentsOfLongTermCapitalLeaseObligations $1.00K USD 1 Quarter
Repurchase of common stock PaymentsForRepurchaseOfCommonStock $240.00K USD 1 Quarter
Payment of dividends PaymentsOfDividendsCommonStock $715.00K USD 1 Quarter
Payment of dividends PaymentsOfDividendsCommonStock $861.00K USD 1 Quarter
Net cash used in financing activities NetCashProvidedByUsedInFinancingActivities $-1.94M USD 1 Quarter
Net cash used in financing activities NetCashProvidedByUsedInFinancingActivities $-608.00K USD 1 Quarter
Net change in cash and cash equivalents CashAndCashEquivalentsPeriodIncreaseDecrease $35.00K USD 1 Quarter
Net change in cash and cash equivalents CashAndCashEquivalentsPeriodIncreaseDecrease $-296.00K USD 1 Quarter
Cash and cash equivalents, beginning of period CashAndCashEquivalentsAtCarryingValue $1.23M USD Point-in-time
Cash and cash equivalents, beginning of period CashAndCashEquivalentsAtCarryingValue $1.53M USD Point-in-time
Cash and cash equivalents, beginning of period CashAndCashEquivalentsAtCarryingValue $2.49M USD Point-in-time
Cash and cash equivalents, beginning of period CashAndCashEquivalentsAtCarryingValue $2.45M USD Point-in-time
Cash and cash equivalents, end of period CashAndCashEquivalentsAtCarryingValue $1.23M USD Point-in-time
Cash and cash equivalents, end of period CashAndCashEquivalentsAtCarryingValue $1.53M USD Point-in-time
Cash and cash equivalents, end of period CashAndCashEquivalentsAtCarryingValue $2.49M USD Point-in-time
Cash and cash equivalents, end of period CashAndCashEquivalentsAtCarryingValue $2.45M USD Point-in-time
Net income NetIncomeLoss $2.03M USD 1 Quarter
Net income NetIncomeLoss $2.01M USD 1 Quarter
Amortization of unearned income, net of initial direct costs AmortizationOfUnearnedIncomeNetOfInitialDirectCosts $-9.63M USD 1 Quarter
Amortization of unearned income, net of initial direct costs AmortizationOfUnearnedIncomeNetOfInitialDirectCosts $-9.10M USD 1 Quarter
Depreciation and amortization DepreciationDepletionAndAmortization $1.01M USD 1 Quarter
Depreciation and amortization DepreciationDepletionAndAmortization $681.00K USD 1 Quarter
Provision for credit losses ProvisionForLoanAndLeaseLosses $4.90M USD 1 Quarter
Provision for credit losses ProvisionForLoanAndLeaseLosses $4.75M USD 1 Quarter
Recovery of equipment cost and residual value RecoveryOfEquipmentCostAndResidualValue $20.57M USD 1 Quarter
Recovery of equipment cost and residual value RecoveryOfEquipmentCostAndResidualValue $23.09M USD 1 Quarter
Stock-based compensation expense ShareBasedCompensation $45.00K USD 1 Quarter
Stock-based compensation expense ShareBasedCompensation $33.00K USD 1 Quarter
Income taxes payable IncreaseDecreaseInAccruedIncomeTaxesPayable $-88.00K USD 1 Quarter
Deferred income taxes IncreaseDecreaseInDeferredIncomeTaxes $-268.00K USD 1 Quarter
Deferred income taxes IncreaseDecreaseInDeferredIncomeTaxes $-1.02M USD 1 Quarter
Decrease in other assets IncreaseDecreaseInOtherOperatingAssets $-150.00K USD 1 Quarter
Decrease in other assets IncreaseDecreaseInOtherOperatingAssets $-278.00K USD 1 Quarter
Increase (decrease) in accounts payable IncreaseDecreaseInAccountsPayable $-131.00K USD 1 Quarter
Increase (decrease) in accounts payable IncreaseDecreaseInAccountsPayable $89.00K USD 1 Quarter
Increase in other liabilities IncreaseDecreaseInOtherOperatingLiabilities $434.00K USD 1 Quarter
Increase in other liabilities IncreaseDecreaseInOtherOperatingLiabilities $428.00K USD 1 Quarter
Net cash provided by operating activities NetCashProvidedByUsedInOperatingActivities $20.56M USD 1 Quarter
Net cash provided by operating activities NetCashProvidedByUsedInOperatingActivities $22.27M USD 1 Quarter
Acquisition of property and equipment through lease incentives AcquisitionOfPropertyAndEquipmentThroughLeaseIncentives $700.00K USD 1 Quarter
Fair market value of stock issued for compensation StockIssued1 $212.00K USD 1 Quarter
Fair market value of stock issued for compensation StockIssued1 $210.00K USD 1 Quarter

Data is extracted from SEC EDGAR XBRL filings. Values shown are as reported in the filing.

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