0001193125-21-021873.txt : 20210129 0001193125-21-021873.hdr.sgml : 20210129 20210129091202 ACCESSION NUMBER: 0001193125-21-021873 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20210129 ITEM INFORMATION: Regulation FD Disclosure ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20210129 DATE AS OF CHANGE: 20210129 FILER: COMPANY DATA: COMPANY CONFORMED NAME: MEDALLION FINANCIAL CORP CENTRAL INDEX KEY: 0001000209 STANDARD INDUSTRIAL CLASSIFICATION: FINANCE SERVICES [6199] IRS NUMBER: 043291176 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-37747 FILM NUMBER: 21568406 BUSINESS ADDRESS: STREET 1: 437 MADISON AVE 38 TH FLOOR CITY: NEW YORK STATE: NY ZIP: 10022 BUSINESS PHONE: 2123282153 MAIL ADDRESS: STREET 1: 437 MADISON AVENUE STREET 2: 38TH FLOOR CITY: NEW YORK STATE: NY ZIP: 10022 8-K 1 d119738d8k.htm FORM 8-K Form 8-K
MEDALLION FINANCIAL CORP false 0001000209 0001000209 2021-01-29 2021-01-29 0001000209 us-gaap:CommonStockMember 2021-01-29 2021-01-29 0001000209 us-gaap:SeniorNotesMember 2021-01-29 2021-01-29

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

 

FORM 8-K

 

 

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 29, 2021

 

 

MEDALLION FINANCIAL CORP.

(Exact name of registrant as specified in its charter)

 

 

Delaware

(State or other jurisdiction of incorporation)

001-37747

(Commission File Number)

04-3291176

(IRS Employer Identification No.)

437 Madison Avenue

New York, New York 10022

(Address of principal executive offices) (Zip code)

(212) 328-2100

(Registrant’s telephone number, including area code)

 

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

 

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

 

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

 

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

 

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

 

Title of each class

  

Trading

Symbol(s)

  

Name of each exchange

on which registered

Common Stock, par value $0.01 per share   MFIN   NASDAQ Global Select Market
9.000% Senior Notes due 2021   MFINL   NASDAQ Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company  ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ☐

 

 

 

Item 7.01

Regulation FD Disclosure.

Medallion Bank, a wholly owned subsidiary of Medallion Financial Corp. (the “Company”), issued a press release to the news media announcing, among other things, Medallion Bank’s results for the quarter and year ended December 31, 2020.

A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference. The information in the press release is being furnished, not filed, pursuant to Item 7.01. Accordingly, the information in the press release will not be incorporated by reference into any registration statement filed by the Company under the Securities Act of 1933, as amended, unless specifically identified therein as being incorporated therein by reference.

 

Item 9.01

Financial Statements and Exhibits

(d) Exhibits

The following exhibits are being filed with this Current Report on Form 8-K:

 

99.1    Medallion Bank press release, dated January 29, 2021
104    Cover Page Interactive Data File (embedded within the Inline XBRL document)

 

- 2 -

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated: January 29, 2021

 

MEDALLION FINANCIAL CORP.
By:  

/s/ Larry D. Hall

Name:   Larry D. Hall
Title:   Chief Financial Officer

 

- 3 -

EX-99.1 2 d119738dex991.htm EX-99.1 EX-99.1

Exhibit 99.1

 

LOGO

FOR IMMEDIATE RELEASE:

MEDALLION BANK REPORTS 2020 FOURTH QUARTER AND FULL YEAR

RESULTS AND DECLARES SERIES F PREFERRED STOCK DIVIDEND

SALT LAKE CITY, UT – January 29, 2021 – Medallion Bank (Nasdaq: MBNKP, “the Bank”), an FDIC-insured bank providing consumer loans for the purchase of recreational vehicles, boats, and home improvements, along with loan origination services to fintech partners, announced today its 2020 fourth quarter and full year results. The Bank is a wholly owned subsidiary of Medallion Financial Corp. (Nasdaq: MFIN).

2020 Fourth Quarter Highlights

 

  •  

Record quarterly net income of $14.3 million, compared to net income of $6.7 million in the prior year period.

 

  •  

Quarterly net interest income was $31.3 million, compared to $27.7 million in the prior year period.

 

  •  

Quarterly provision for loan losses was a benefit of $4.0 million, compared to a loss of $9.8 million in the prior year period.

 

  •  

Net charge-offs were 9.68% of average loans outstanding, driven primarily by medallion loan charge-offs, compared to 3.14% in the prior year period.

 

  •  

The total exposure of the medallion lending segment, which includes loans in process of foreclosure and remarketed assets, was $44.9 million, or 3% of total assets, as of December 31, 2020, compared to $116.8 million, or 10%, at December 31, 2019. Of that exposure, the medallion loan portfolio net of the allowance for loan losses was $7.9 million as of December 31, 2020, compared to $80.1 million at December 31, 2019.

 

  •  

Total assets were $1.3 billion as of December 31, 2020.

 

  •  

The Bank had $218.5 million in capital and a Tier 1 leverage ratio of 16.93% as of December 31, 2020.

2020 Full Year Highlights

 

  •  

Net income was $2.5 million, compared to net income of $20.4 million in 2019.

 

  •  

Net interest income was $118.3 million, compared to $104.2 million in 2019.

 

  •  

Return on assets was 0.20%, compared to 1.85% in 2019.

 

  •  

Provision for loan losses was $63.0 million, compared to $42.5 million in the prior year.

 

  •  

Net charge-offs were 4.98% of average loans outstanding, compared to 4.23% in 2019.

 

  •  

The recreation loan portfolio grew 11% and the home improvement loan portfolio grew 35% in 2020.

 

  •  

All medallion loans were placed on nonaccrual during the 2020 third quarter and New York medallions were adjusted down to a collateral value of $79,500, net of liquidation costs, as of December 31, 2020.

 

  •  

The medallion loan portfolio decreased from $107.7 million to $32.7 million, or 70%, during 2020.

Donald Poulton, President and Chief Executive Officer of Medallion Bank, stated, “After a challenging third quarter, the Bank finished 2020 with the best quarterly net income in its history. The results for our recreation and home improvement lending segments were strong despite the ongoing pandemic, contributing $48 million in annual net income to the Bank and $15 million for the quarter. Net charge-offs remained low in those segments when compared to periods prior to COVID, in part due to government stimulus and tighter underwriting standards during the year. As reported for September 2020, we substantially de-risked our balance sheet by placing all medallion loans on nonaccrual and in the fourth quarter, we further adjusted the carrying amounts of New York City medallion loans and repossessed assets down to a net collateral value of $79,500 from $90,300 per medallion. The Bank maintains a strong capital position that we expect will allow us to grow our core consumer lending segments, which are experiencing strong demand.”

Recreation Lending Segment

The Bank’s recreation loan portfolio was $799 million as of December 31, 2020, compared to $722 million at December 31, 2019. Net interest income for the fourth quarter was $24.9 million, compared to $22.8 million in the prior year period. Recreation loans were at 68% and 67% of loans receivable as of December 31, 2020 and December 31, 2019, respectively. The provision for recreation loan losses was $3.0 million, compared to $8.6 million in the prior year period. Gross recreation loans in a payment deferral state were $6.5 million, or 0.8% of the portfolio, as of December 31, 2020. Recreation loan delinquencies 90 days or more past due were $5.4 million, or 0.7% of gross recreation loans, as of December 31, 2020, compared to $5.9 million, or 0.8%, at December 31, 2019. Delinquencies were lower, at least in part, as a result of the COVID-related payment deferrals.

Home Improvement Lending Segment

The Bank’s home improvement loan portfolio was $334 million as of December 31, 2020, compared to $248 million at December 31, 2019. Net interest income for the fourth quarter was $6.8 million, compared to $4.5 million in the prior year period. Home improvement loans were 29% and 23% of loans receivable as of December 31, 2020 and December 31, 2019, respectively. The provision for home improvement loan losses was $0.7 million, compared to $0.8 million in the prior year period. Gross home improvement loans in a payment deferral state were $195,000, or 0.1% of the portfolio, as of December 31, 2020. Home improvement loan delinquencies 90 days or more past due were $171,000, or 0.05% of gross home improvement loans as of December 31, 2020, compared to $185,000, or 0.07%, at December 31, 2019. Delinquencies were lower, at least in part, as a result of the COVID-related payment deferrals.

Medallion Lending Segment

The Bank’s medallion loan portfolio before the allowance for loan losses was $33 million as of December 31, 2020, compared to $108 million at December 31, 2019. Medallion loans were 3% of the Bank’s loans receivable as of December 31, 2020, compared to 10% at December 31, 2019. The Bank’s medallion loan portfolio net of the allowance for loan losses was $8 million as of December 31, 2020, compared to $80 million at December 31, 2019. The total exposure of the medallion lending segment, which includes loans in process of foreclosure and remarketed assets, was $45 million, or 3% of total assets, as of December 31, 2020, compared to $117 million, or 10%, at December 31, 2019.

Unless otherwise specified, loan portfolios are presented net of deferred loan acquisition costs.

*                *                 *

On January 28, 2021, the Bank’s Board of Directors declared a quarterly cash dividend of $0.50 per share on the Bank’s Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series F, which trades on the Nasdaq Capital Market under the ticker symbol “MBNKP.” The dividend is payable on April 1, 2021 to holders of record at the close of business on March 15, 2021.

*                *                 *

About Medallion Bank

Medallion Bank specializes in providing consumer loans for the purchase of recreational vehicles, boats and home improvements, and offering loan origination services to fintech partners. The Bank works directly with thousands of dealers, contractors and financial service providers serving their customers throughout the United States. Medallion Bank is a Utah-chartered, FDIC-insured industrial bank headquartered in Salt Lake City with an office in Bothell, Washington, and is a wholly owned subsidiary of Medallion Financial Corp. (Nasdaq: MFIN).

 

2

For more information, visit www.medallionbank.com

Please note that this press release contains forward-looking statements that involve risks and uncertainties relating to business performance, cash flow, costs, sales, net investment income, earnings, and growth. These statements are often, but not always, made through the use of words or phrases such as “maintains,” “ongoing” and “will” or the negative version of those words or other comparable words or phrases of a future or forward-looking nature. These statements relate to future public announcements of our earnings, the ongoing COVID-19 pandemic, the maintenance of our current capital levels, the potential for future asset growth and market share growth opportunities. Medallion Bank’s actual results may differ significantly from the results discussed in such forward-looking statements. For example, statements about the effects of the COVID-19 pandemic on Medallion Bank’s business, operations, financial performance and prospects constitute forward-looking statements and are subject to the risk that the actual impacts may differ, possibly materially, from what is reflected in those forward-looking statements due to factors and future developments that are uncertain, unpredictable and in many cases beyond Medallion Bank’s control, including the scope and duration of the pandemic, the availability, use and effectiveness of a vaccine, actions taken by governmental authorities in response to the pandemic, and the direct and indirect impact of the pandemic on Medallion Bank, its customers and third parties. In addition, Medallion Bank’s financial results for any period are not necessarily indicative of Medallion Financial Corp.’s results for the same period. In addition to risks related to the ongoing COVID-19 pandemic, for a description of certain risks to which Medallion Bank is or may be subject, please refer to the factors discussed under the captions “Cautionary Note Regarding Forward-Looking Statements” and “Risk Factors” included in Medallion Bank’s Form 10-K for the year ended December 31, 2019 and in its Quarterly Reports on Form 10-Q for the quarters ended March 31, 2020, June 30, 2020 and September 30, 2020, filed with the FDIC. Medallion Bank’s Form 10-K, Form 10-Qs and other FDIC filings are available in the Investor Relations section of Medallion Bank’s website.

Company Contact:

Alex E. Arzeno

Investor Relations

212-328-2168

InvestorRelations@medallion.com

 

3

MEDALLION BANK

STATEMENTS OF OPERATIONS

(UNAUDITED)

 

    For the Three Months Ended December 31,     For the Years Ended December 31,  

(In thousands)

   2020     2019     2020     2019  

Total interest income

  $ 36,349     $ 33,846     $ 140,654     $ 126,723  

Total interest expense

    5,015       6,112       22,330       22,521  
 

 

 

    

 

 

    

 

 

    

 

 

  

Net interest income

    31,334       27,734       118,324       104,202  

Provision for loan losses

    (3,959 )      9,791       63,048       42,492  
 

 

 

    

 

 

    

 

 

    

 

 

  

Net interest income after provision for loan losses

    35,293       17,943       55,276       61,710  
 

 

 

    

 

 

    

 

 

    

 

 

  

Other income (loss)

        

Write-downs of loan collateral in process of foreclosure and other assets

     (7,393 )      (134 )      (18,199 )      (2,543 ) 

Other non-interest income

     86       17       261       305  
 

 

 

    

 

 

    

 

 

    

 

 

  

Total other income (loss)

     (7,307 )      (117 )      (17,938 )      (2,238 ) 
 

 

 

    

 

 

    

 

 

    

 

 

  

Non-interest expense

        

Loan servicing

     2,739       2,725       11,158       10,610  

Salaries and benefits

     2,665       2,259       10,275       8,806  

Collection costs

     1,021       1,636       4,294       5,519  

Professional fees

     446       770       2,017       2,722  

Regulatory fees

     874       526       1,822       1,722  

Occupancy and equipment

     106       173       783       576  

Other

     633       832       3,546       3,527  
 

 

 

    

 

 

    

 

 

    

 

 

  

Total non-interest expense

     8,484       8,921       33,895       33,482  
 

 

 

    

 

 

    

 

 

    

 

 

  

Income before income taxes

     19,502       8,905       3,443       25,990  

Provision for income taxes

     5,177       2,206       928       5,544  
 

 

 

    

 

 

    

 

 

    

 

 

  

Net income

   $ 14,325     $ 6,699     $ 2,515     $ 20,446  
 

 

 

    

 

 

    

 

 

    

 

 

  

 

4

MEDALLION BANK

BALANCE SHEETS

(UNAUDITED)

 

(In thousands)

    December 31, 2020     December 31, 2019  

Assets

     

Cash and federal funds sold

    $ 58,977     $ 50,237  

Investment securities, available-for-sale

      46,792       48,998  

Loans, inclusive of net deferred loan acquisition costs

      1,167,748       1,079,553  

Allowance for loan losses

      (65,557 )      (59,885 ) 
  

 

 

    

 

 

  

Loans, net

      1,102,191       1,019,668  

Loan collateral in process of foreclosure

      35,557       30,639  

Fixed assets and right-of-use assets, net

      3,418       3,852  

Deferred tax assets

      11,839       11,419  

Due from affiliates

      3,298       —    

Income tax receivable

      549       —    

Accrued interest receivable and other assets

      28,746       28,417  
  

 

 

    

 

 

  

Total assets

    $ 1,291,367     $ 1,193,230  
  

 

 

    

 

 

  

Liabilities and shareholders’ equity

     

Deposits and other funds borrowed

    $ 1,065,398     $ 951,651  

Accrued interest payable

      1,515       2,096  

Income taxes payable

      —         2,144  

Other liabilities

      5,980       9,157  

Due to affiliates

      —         1,041  
  

 

 

    

 

 

  

Total liabilities

      1,072,893       966,089  
  

 

 

    

 

 

  

Total shareholders’ equity

      218,474       227,141  
  

 

 

    

 

 

  

Total liabilities and shareholders’ equity

    $ 1,291,367     $ 1,193,230  
  

 

 

    

 

 

  

 

5

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Trading Symbol MFINL
Security Exchange Name NASDAQ
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