0001409970-21-000045.txt : 20210707 0001409970-21-000045.hdr.sgml : 20210707 20210707171441 ACCESSION NUMBER: 0001409970-21-000045 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20210707 ITEM INFORMATION: Regulation FD Disclosure ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20210707 DATE AS OF CHANGE: 20210707 FILER: COMPANY DATA: COMPANY CONFORMED NAME: LendingClub Corp CENTRAL INDEX KEY: 0001409970 STANDARD INDUSTRIAL CLASSIFICATION: PERSONAL CREDIT INSTITUTIONS [6141] IRS NUMBER: 000000000 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-36771 FILM NUMBER: 211078098 BUSINESS ADDRESS: STREET 1: 595 MARKET STREET STREET 2: SUITE 200 CITY: SAN FRANCISCO STATE: CA ZIP: 94105 BUSINESS PHONE: 415-632-5600 MAIL ADDRESS: STREET 1: 595 MARKET STREET STREET 2: SUITE 200 CITY: SAN FRANCISCO STATE: CA ZIP: 94105 8-K 1 lc-20210707.htm 8-K lc-20210707
0001409970FALSE00014099702021-07-072021-07-07

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): July 7, 2021
LendingClub Corporation
(Exact name of registrant as specified in its charter)
 
Commission File Number: 001-36771
Delaware51-0605731
(State or other jurisdiction of
incorporation or organization)		(I.R.S. Employer
Identification No.)
595 Market Street, Suite 200,
San Francisco,CA94105
(Address of principal executive offices and zip code)
Registrant’s telephone number, including area code: 415 632-5600
Former name or former address, if changed since last report: N/A
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))

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.
☐
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading SymbolName of each exchange on which registered
Common stock, par value $0.01 per shareLCNew York Stock Exchange



Item 7.01Regulation FD Disclosure

As previously disclosed, on February 18, 2020, LendingClub Corporation (“LendingClub”) and Radius Bancorp, Inc. (“Radius”) entered into an Agreement and Plan of Merger, by and among LendingClub, a wholly owned-subsidiary of LendingClub and Radius, pursuant to which LendingClub agreed to acquire Radius and thereby acquire its wholly-owned subsidiary, Radius Bank (the “Merger”). On February 1, 2021, the Merger was completed and thereby LendingClub acquired Radius and Radius Bank (the “Acquisition”).

Since completing the Acquisition, LendingClub’s financial statements are being presented pursuant to the requirements for bank holding companies under Article 9 of the Securities and Exchange Commission's Regulation S-X (“Article 9”). Included as Exhibit 99.1 to this Form 8-K are the following pre-Acquisition consolidated financial statements of LendingClub (collectively, the "Financial Statements"), reclassified to reflect the presentation requirements under Article 9:
•LendingClub’s condensed consolidated statement of operations and statement of cash flows for the three month period ended March 31, 2020;
•LendingClub's condensed consolidated statement of operations for the three and six month periods ended June 30, 2020, and statement of cash flows for the six month period ended June 30, 2020;
•LendingClub's condensed consolidated statement of operations for the three and nine month periods ended September 30, 2020, and statement of cash flows for the nine month period ended September 30, 2020; and
•LendingClub's consolidated balance sheet as of December 31, 2019 and December 31, 2020, and statement of operations and statement of cash flows for the years ended December 31, 2019 and December 31, 2020.

LendingClub believes that the Financial Statements may assist investors in evaluating the financial performance of LendingClub.

The Financial Statements should be read in conjunction with (i) the audited consolidated financial statements, accompanying notes and management’s discussion and analysis of financial condition and results of operations included in LendingClub’s Annual Reports on Form 10-K as of and for the years ended December 31, 2019 and December 31, 2020, and (ii) the unaudited condensed consolidated financial statements, the accompanying notes and management’s discussion and analysis of financial condition and results of operations included in LendingClub’s Quarterly Reports on Form 10-Q as of and for the periods ended March 31, 2020, June 30, 2020 and September 30, 2020.

The information furnished under Item 7.01 of this Current Report on Form 8-K, including Exhibit 99.1 attached hereto, shall not be deemed to be “filed” for the purposes of Section 18 of the Securities and Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that section, nor shall it be deemed to be incorporated by reference in any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as otherwise stated in such filing.




Item 9.01Financial Statements and Exhibits
(d)Exhibits




SIGNATURE(S)

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

LendingClub Corporation
Date: July 7, 2021By:/s/ Thomas W. Casey
Thomas W. Casey
Chief Financial Officer
(duly authorized officer)


 EX-99.1 2 exhibit991recastfinancials.htm EX-99.1 Document

EXHIBIT 99.1
The classification of the items presented by LendingClub in its consolidated financial statements under GAAP has been adjusted to align with the presentation requirements under Article 9 of the Securities and Exchange Commission’s Regulation S-X for bank holding companies. The presentation shown below is reflective of what is generally expected to be presented in future filings by the Company under GAAP.
LENDINGCLUB CORPORATION
Consolidated Balance Sheet
(In Thousands)
(Unaudited)
As of December 31, 2019
LendingClub Historical PresentationReclassification AdjustmentsLendingClub Reclassified Amounts
Assets
Cash and cash equivalents$243,779 $(243,779)$— 
Cash and due from banks— 1,724 1,724 
Interest bearing deposits in banks— 242,055 242,055 
Total cash and cash equivalents— 243,779 243,779 
Restricted cash243,343 — 243,343 
Securities available for sale at fair value270,927 — 270,927 
Loans held for investment at fair value1,079,315 (1,079,315)— 
Loans held for investment by the Company at fair value43,693 (43,693)— 
Loans held for sale by the Company at fair value722,355 (722,355)— 
Loans held for sale at fair value— 722,355 722,355 
Retail and certificate loans held for investment at fair value— 1,079,315 1,079,315 
Other loans held for investment at fair value— 43,693 43,693 
Accrued interest receivable12,857 (12,857)— 
Property, equipment and software, net114,370 — 114,370 
Operating lease assets93,485 (93,485)— 
Intangible assets, net14,549 (14,549)— 
Other assets143,668 120,891 264,559 
Total assets$2,982,341 $— $2,982,341 
Liabilities and Equity
Accounts payable$10,855 $(10,855)$— 
Accrued interest payable9,260 (9,260)— 
Operating lease liabilities112,344 (112,344)— 
Accrued expenses and other liabilities142,636 (142,636)— 
Payable to investors97,530 (97,530)— 
Credit facilities and securities sold under repurchase agreements587,453 (587,453)— 
Short-term borrowings— 573,202 573,202 
Retail notes, certificates and secured borrowings at fair value1,081,466 — 1,081,466 
Payable on Structured Program borrowings40,610 — 40,610 
Other long-term debt— 14,251 14,251 
Other liabilities— 372,625 372,625 
Total liabilities2,082,154 — 2,082,154 
Equity
Common stock892 — 892 
Additional paid-in capital1,467,882 — 1,467,882 
Accumulated deficit(548,472)— (548,472)
Treasury stock, at cost(19,550)— (19,550)
Accumulated other comprehensive loss(565)— (565)
Total equity900,187 — 900,187 
Total liabilities and equity$2,982,341 $— $2,982,341 

LENDINGCLUB CORPORATION
Consolidated Balance Sheet
(In Thousands)
(Unaudited)
As of December 31, 2020 (1)
LendingClub Historical PresentationReclassification AdjustmentsLendingClub Reclassified Amounts
Assets
Cash and cash equivalents$524,963 $(524,963)$— 
Cash and due from banks— 5,197 5,197 
Interest bearing deposits in banks— 519,766 519,766 
Total cash and cash equivalents— 524,963 524,963 
Restricted cash103,522 — 103,522 
Securities available for sale at fair value142,226 — 142,226 
Loans held for investment at fair value636,686 (636,686)— 
Loans held for investment by the Company at fair value49,954 (49,954)— 
Loans held for sale by the Company at fair value121,902 (121,902)— 
Loans held for sale at fair value— 121,902 121,902 
Retail and certificate loans held for investment at fair value— 636,686 636,686 
Other loans held for investment at fair value— 49,954 49,954 
Accrued interest receivable5,205 (5,205)— 
Property, equipment and software, net96,641 — 96,641 
Operating lease assets74,037 (74,037)— 
Intangible assets, net11,427 (11,427)— 
Other assets96,730 90,669 187,399 
Total assets$1,863,293 $— $1,863,293 
Liabilities and Equity
Accounts payable$3,698 $(3,698)$— 
Accrued interest payable4,572 (4,572)— 
Operating lease liabilities94,538 (94,538)— 
Accrued expenses and other liabilities101,457 (101,457)— 
Payable to investors40,286 (40,286)— 
Credit facilities and securities sold under repurchase agreements104,989 (104,989)— 
Short-term borrowings— 104,989 104,989 
Retail notes, certificates and secured borrowings at fair value636,774 — 636,774 
Payable on Structured Program borrowings152,808 — 152,808 
Other liabilities— 244,551 244,551 
Total liabilities1,139,122 — 1,139,122 
Equity
Common stock881 — 881 
Additional paid-in capital1,508,020 — 1,508,020 
Accumulated deficit(786,214)— (786,214)
Accumulated other comprehensive income1,484 — 1,484 
Total equity724,171 — 724,171 
Total liabilities and equity$1,863,293 $— $1,863,293 
(1)    Previously presented in the Company’s Quarterly Report on Form 10-Q as of and for the period ended March 31, 2021.

LENDINGCLUB CORPORATION
Consolidated Statement of Operations
(In Thousands)
(Unaudited)
Year Ended December 31, 2019
LendingClub Historical PresentationReclassification AdjustmentsLendingClub Reclassified Amounts
Net Revenue
Transaction fees$598,760 $(598,760)$— 
Interest income345,345 (345,345)— 
Interest expense(246,587)246,587 — 
Net fair value adjustments(144,990)144,990 — 
Net interest income and fair value adjustments(46,232)46,232 — 
Investor fees124,532 (124,532)— 
Gain on sales of loans67,716 (67,716)— 
Net investor revenue146,016 (146,016)— 
Other revenue13,831 (13,831)— 
Total net revenue758,607 (758,607)— 
Non-interest income
Marketplace revenue (1)
— 646,735 646,735 
Other non-interest income— 13,831 13,831 
Total non-interest income— 660,566 660,566 
Interest income
Interest on loans held for sale— 109,493 109,493 
Interest on retail and certificate loans held for investment at fair value— 214,395 214,395 
Interest on other loans held for investment at fair value— 1,104 1,104 
Interest on securities available for sale— 14,351 14,351 
Other interest income— 6,002 6,002 
Total interest income— 345,345 345,345 
Interest expense
Interest on short-term borrowings— 26,826 26,826 
Interest on retail notes, certificates and secured borrowings— 214,395 214,395 
Interest on Structured Program borrowings— 5,070 5,070 
Interest on other long-term debt— 1,013 1,013 
Total interest expense— 247,304 247,304 
Net interest income— 98,041 98,041 
Total net revenue— 758,607 758,607 
Provision for credit losses— — — 
Operating expenses
Sales and marketing279,423 (279,423)— 
Origination and servicing103,403 (103,403)— 
Engineering and product development168,380 (168,380)— 
Other general and administrative238,292 (238,292)— 
Total operating expenses789,498 (789,498)— 
Non-interest expense
Compensation and benefits— 333,628 333,628 
Marketing— 235,337 235,337 
Equipment and software— 24,927 24,927 
Occupancy— 29,367 29,367 
Depreciation and amortization— 59,152 59,152 
Professional services— 43,010 43,010 
Other non-interest expense— 64,077 64,077 
Total non-interest expense— 789,498 789,498 
Loss before income tax expense(30,891)— (30,891)
Income tax benefit(201)— (201)
Consolidated net loss(30,690)— (30,690)
Less: Income attributable to noncontrolling interests55 — 55 
LendingClub net loss$(30,745)$— $(30,745)

LENDINGCLUB CORPORATION
Consolidated Statement of Operations (Continued)
(In Thousands)
(Unaudited)
(1)    The following presents the components of marketplace revenue for the period presented:
Year Ended December 31, 2019
Origination fees$598,760 
Servicing fees124,532 
Gain on sales of loans67,716 
Net fair value adjustments(144,273)
Total marketplace revenue$646,735 


LENDINGCLUB CORPORATION
Condensed Consolidated Statement of Operations
(In Thousands)
(Unaudited)
Three Months Ended March 31, 2020 (1)
LendingClub Historical PresentationReclassification AdjustmentsLendingClub Reclassified Amounts
Net Revenue
Transaction fees$136,243 $(136,243)$— 
Interest income69,411 (69,411)— 
Interest expense(44,241)44,241 — 
Net fair value adjustments(101,738)101,738 — 
Net interest income and fair value adjustments(76,568)76,568 — 
Investor fees41,759 (41,759)— 
Gain on sales of loans14,261 (14,261)— 
Net investor revenue(20,548)20,548 — 
Other revenue4,511 (4,511)— 
Total net revenue120,206 (120,206)— 
Non-interest income
Marketplace revenue (2)
— 102,477 102,477 
Other non-interest income— 4,511 4,511 
Total non-interest income— 106,988 106,988 
Interest income
Interest on loans held for sale— 27,376 27,376 
Interest on retail and certificate loans held for investment at fair value— 35,376 35,376 
Interest on other loans held for investment at fair value— 1,999 1,999 
Interest on securities available for sale— 3,779 3,779 
Other interest income— 881 881 
Total interest income— 69,411 69,411 
Interest expense
Interest on short-term borrowings— 7,398 7,398 
Interest on retail notes, certificates and secured borrowings— 35,376 35,376 
Interest on Structured Program borrowings— 2,299 2,299 
Interest on other long-term debt— 140 140 
Total interest expense— 45,213 45,213 
Net interest income— 24,198 24,198 
Total net revenue
— 131,186 131,186 
Provision for credit losses— 10,980 10,980 
Operating expenses
Sales and marketing49,784 (49,784)— 
Origination and servicing20,994 (20,994)— 
Engineering and product development38,710 (38,710)— 
Other general and administrative58,486 (58,486)— 
Total operating expenses167,974 (167,974)— 
Non-interest expense
Compensation and benefits— 75,545 75,545 
Marketing— 39,081 39,081 
Equipment and software— 6,490 6,490 
Occupancy— 6,813 6,813 
Depreciation and amortization— 12,873 12,873 
Professional services— 14,141 14,141 
Other non-interest expense— 13,031 13,031 
Total non-interest expense— 167,974 167,974 
Loss before income tax expense(47,768)— (47,768)
Income tax expense319 — 319 
Consolidated net loss$(48,087)$— $(48,087)

LENDINGCLUB CORPORATION
Condensed Consolidated Statement of Operations (Continued)
(In Thousands)
(Unaudited)
(1)    Previously presented in the Company’s Quarterly Report on Form 10-Q as of and for the period ended March 31, 2021.
(2)    The following presents the components of marketplace revenue for the period presented:
Three Months Ended
March 31, 2020
Origination fees$136,243 
Servicing fees41,759 
Gain on sales of loans14,261 
Net fair value adjustments(89,786)
Total marketplace revenue$102,477 


LENDINGCLUB CORPORATION
Condensed Consolidated Statement of Operations
(In Thousands)
(Unaudited)
Three Months Ended June 30, 2020
LendingClub Historical PresentationReclassification AdjustmentsLendingClub Reclassified Amounts
Net Revenue
Transaction fees$3,874 $(3,874)$— 
Interest income60,560 (60,560)— 
Interest expense(37,766)37,766 — 
Net fair value adjustments(6,378)6,378 — 
Net interest income and fair value adjustments16,416 (16,416)— 
Investor fees19,315 (19,315)— 
Gain on sales of loans1,724 (1,724)— 
Net investor revenue37,455 (37,455)— 
Other revenue2,540 (2,540)— 
Total net revenue43,869 (43,869)— 
Non-interest income
Marketplace revenue (1)
— 18,881 18,881 
Other non-interest income— 2,540 2,540 
Total non-interest income— 21,421 21,421 
Interest income
Interest on loans held for sale— 25,287 25,287 
Interest on retail and certificate loans held for investment at fair value— 29,700 29,700 
Interest on other loans held for investment at fair value— 2,074 2,074 
Interest on securities available for sale— 3,397 3,397 
Other interest income— 102 102 
Total interest income— 60,560 60,560 
Interest expense
Interest on short-term borrowings— 5,755 5,755 
Interest on retail notes, certificates and secured borrowings— 29,700 29,700 
Interest on Structured Program borrowings— 6,073 6,073 
Interest on other long-term debt— 95 95 
Total interest expense— 41,623 41,623 
Net interest income— 18,937 18,937 
Total net revenue— 40,358 40,358 
Reversal of provision for credit losses— (3,511)(3,511)
Operating expenses
Sales and marketing8,723 (8,723)— 
Origination and servicing17,830 (17,830)— 
Engineering and product development39,167 (39,167)— 
Other general and administrative56,620 (56,620)— 
Total operating expenses122,340 (122,340)— 
Non-interest expense
Compensation and benefits— 65,797 65,797 
Marketing— 1,814 1,814 
Equipment and software— 8,011 8,011 
Occupancy— 8,962 8,962 
Depreciation and amortization— 16,611 16,611 
Professional services— 9,765 9,765 
Other non-interest expense— 11,380 11,380 
Total non-interest expense— 122,340 122,340 
Loss before income tax expense(78,471)— (78,471)
Income tax expense— — — 
Consolidated net loss$(78,471)$— $(78,471)

LENDINGCLUB CORPORATION
Condensed Consolidated Statement of Operations (Continued)
(In Thousands)
(Unaudited)

(1)    The following presents the components of marketplace revenue for the period presented:
Three Months Ended
June 30, 2020
Origination fees$3,874 
Servicing fees19,315 
Gain on sales of loans1,724 
Net fair value adjustments(6,032)
Total marketplace revenue$18,881 


LENDINGCLUB CORPORATION
Condensed Consolidated Statement of Operations
(In Thousands)
(Unaudited)
Six Months Ended June 30, 2020
LendingClub Historical PresentationReclassification AdjustmentsLendingClub Reclassified Amounts
Net Revenue
Transaction fees$140,117 $(140,117)$— 
Interest income129,971 (129,971)— 
Interest expense(82,007)82,007 — 
Net fair value adjustments(108,116)108,116 — 
Net interest income and fair value adjustments(60,152)60,152 — 
Investor fees61,074 (61,074)— 
Gain on sales of loans15,985 (15,985)— 
Net investor revenue16,907 (16,907)— 
Other revenue7,051 (7,051)— 
Total net revenue164,075 (164,075)— 
Non-interest income
Marketplace revenue (1)
— 121,358 121,358 
Other non-interest income— 7,051 7,051 
Total non-interest income— 128,409 128,409 
Interest income
Interest on loans held for sale— 52,663 52,663 
Interest on retail and certificate loans held for investment at fair value— 65,076 65,076 
Interest on other loans held for investment at fair value— 4,073 4,073 
Interest on securities available for sale— 7,176 7,176 
Other interest income— 983 983 
Total interest income— 129,971 129,971 
Interest expense
Interest on short-term borrowings— 13,153 13,153 
Interest on retail notes, certificates and secured borrowings— 65,076 65,076 
Interest on Structured Program borrowings— 8,372 8,372 
Interest on other long-term debt— 235 235 
Total interest expense— 86,836 86,836 
Net interest income— 43,135 43,135 
Total net revenue— 171,544 171,544 
Provision for credit losses— 7,469 7,469 
Operating expenses
Sales and marketing58,507 (58,507)— 
Origination and servicing38,824 (38,824)— 
Engineering and product development77,877 (77,877)— 
Other general and administrative115,106 (115,106)— 
Total operating expenses290,314 (290,314)— 
Non-interest expense
Compensation and benefits— 141,342 141,342 
Marketing— 40,895 40,895 
Equipment and software— 14,501 14,501 
Occupancy— 15,775 15,775 
Depreciation and amortization— 29,484 29,484 
Professional services— 23,906 23,906 
Other non-interest expense— 24,411 24,411 
Total non-interest expense— 290,314 290,314 
Loss before income tax expense(126,239)— (126,239)
Income tax expense319 — 319 
Consolidated net loss$(126,558)$— $(126,558)

LENDINGCLUB CORPORATION
Condensed Consolidated Statement of Operations (Continued)
(In Thousands)
(Unaudited)
(1)    The following presents the components of marketplace revenue for the period presented:
Six Months Ended
June 30, 2020
Origination fees$140,117 
Servicing fees61,074 
Gain on sales of loans15,985 
Net fair value adjustments(95,818)
Total marketplace revenue$121,358 

LENDINGCLUB CORPORATION
Condensed Consolidated Statement of Operations
(In Thousands)
(Unaudited)

Three Months Ended September 30, 2020
LendingClub Historical PresentationReclassification AdjustmentsLendingClub Reclassified Amounts
Net Revenue
Transaction fees$24,372 $(24,372)$— 
Interest income46,773 (46,773)— 
Interest expense(32,440)32,440 — 
Net fair value adjustments(696)696 — 
Net interest income and fair value adjustments13,637 (13,637)— 
Investor fees25,850 (25,850)— 
Gain on sales of loans7,739 (7,739)— 
Net investor revenue47,226 (47,226)— 
Other revenue3,115 (3,115)— 
Total net revenue74,713 (74,713)— 
Non-interest income
Marketplace revenue (1)
— 54,635 54,635 
Other non-interest income— 3,115 3,115 
Total non-interest income— 57,750 57,750 
Interest income
Interest on loans held for sale— 14,916 14,916 
Interest on retail and certificate loans held for investment at fair value— 27,117 27,117 
Interest on other loans held for investment at fair value— 1,948 1,948 
Interest on securities available for sale— 2,754 2,754 
Other interest income— 38 38 
Total interest income— 46,773 46,773 
Interest expense
Interest on short-term borrowings— 3,179 3,179 
Interest on retail notes, certificates and secured borrowings— 27,117 27,117 
Interest on Structured Program borrowings— 3,046 3,046 
Interest on other long-term debt— 137 137 
Total interest expense— 33,479 33,479 
Net interest income— 13,294 13,294 
Total net revenue— 71,044 71,044 
Reversal of provision for credit losses— (3,669)(3,669)
Operating expenses
Sales and marketing7,201 (7,201)— 
Origination and servicing15,595 (15,595)— 
Engineering and product development31,984 (31,984)— 
Other general and administrative54,332 (54,332)— 
Total operating expenses109,112 (109,112)— 
Non-interest expense
Compensation and benefits— 58,649 58,649 
Marketing— 2,135 2,135 
Equipment and software— 6,430 6,430 
Occupancy— 6,466 6,466 
Depreciation and amortization— 12,348 12,348 
Professional services— 8,817 8,817 
Other non-interest expense— 14,267 14,267 
Total non-interest expense— 109,112 109,112 
Loss before income tax expense(34,399)— (34,399)
Income tax benefit(74)— (74)
Consolidated net loss$(34,325)$— $(34,325)

LENDINGCLUB CORPORATION
Condensed Consolidated Statement of Operations (Continued)
(In Thousands)
(Unaudited)
(1)    The following presents the components of marketplace revenue for the period presented:
Three Months Ended
September 30, 2020
Origination fees$24,372 
Servicing fees25,850 
Gain on sales of loans7,739 
Net fair value adjustments(3,326)
Total marketplace revenue$54,635 



LENDINGCLUB CORPORATION
Condensed Consolidated Statement of Operations
(In Thousands)
(Unaudited)
Nine Months Ended September 30, 2020
LendingClub Historical PresentationReclassification AdjustmentsLendingClub Reclassified Amounts
Net Revenue
Transaction fees$164,489 $(164,489)$— 
Interest income176,744 (176,744)— 
Interest expense(114,447)114,447 — 
Net fair value adjustments(108,812)108,812 — 
Net interest income and fair value adjustments(46,515)46,515 — 
Investor fees86,924 (86,924)— 
Gain on sales of loans23,724 (23,724)— 
Net investor revenue64,133 (64,133)— 
Other revenue10,166 (10,166)— 
Total net revenue238,788 (238,788)— 
Non-interest income
Marketplace revenue (1)
— 175,993 175,993 
Other non-interest income— 10,166 10,166 
Total non-interest income— 186,159 186,159 
Interest income
Interest on loans held for sale— 67,579 67,579 
Interest on retail and certificate loans held for investment at fair value— 92,193 92,193 
Interest on other loans held for investment at fair value— 6,021 6,021 
Interest on securities available for sale— 9,930 9,930 
Other interest income— 1,021 1,021 
Total interest income— 176,744 176,744 
Interest expense
Interest on short-term borrowings— 16,332 16,332 
Interest on retail notes, certificates and secured borrowings— 92,193 92,193 
Interest on Structured Program borrowings— 11,418 11,418 
Interest on other long-term debt— 372 372 
Total interest expense— 120,315 120,315 
Net interest income— 56,429 56,429 
Total net revenue— 242,588 242,588 
Provision for credit losses— 3,800 3,800 
Operating expenses
Sales and marketing65,708 (65,708)— 
Origination and servicing54,419 (54,419)— 
Engineering and product development109,861 (109,861)— 
Other general and administrative169,438 (169,438)— 
Total operating expenses399,426 (399,426)— 
Non-interest expense
Compensation and benefits— 199,991 199,991 
Marketing— 43,030 43,030 
Equipment and software— 20,931 20,931 
Occupancy— 22,241 22,241 
Depreciation and amortization— 41,832 41,832 
Professional services— 32,723 32,723 
Other non-interest expense— 38,678 38,678 
Total non-interest expense— 399,426 399,426 
Loss before income tax expense(160,638)— (160,638)
Income tax expense245 — 245 
Consolidated net loss$(160,883)$— $(160,883)

LENDINGCLUB CORPORATION
Condensed Consolidated Statement of Operations (Continued)
(In Thousands)
(Unaudited)
(1)    The following presents the components of marketplace revenue for the period presented:
Nine Months Ended
September 30, 2020
Origination fees$164,489 
Servicing fees86,924 
Gain on sales of loans23,724 
Net fair value adjustments(99,144)
Total marketplace revenue$175,993 


LENDINGCLUB CORPORATION
Consolidated Statement of Operations
(In Thousands)
(Unaudited)
Year Ended December 31, 2020
LendingClub Historical PresentationReclassification AdjustmentsLendingClub Reclassified Amounts
Net Revenue
Transaction fees$207,640 $(207,640)$— 
Interest income209,694 (209,694)— 
Interest expense(141,503)141,503 — 
Net fair value adjustments(117,247)117,247 — 
Net interest income and fair value adjustments(49,056)49,056 — 
Investor fees111,864 (111,864)— 
Gain on sales of loans30,812 (30,812)— 
Net investor revenue93,620 (93,620)— 
Other revenue13,442 (13,442)— 
Total net revenue314,702 (314,702)— 
Non-interest income
Marketplace revenue (1)
— 245,314 245,314 
Other non-interest income— 13,442 13,442 
Total non-interest income— 258,756 258,756 
Interest income
Interest on loans held for sale— 72,876 72,876 
Interest on retail and certificate loans held for investment at fair value— 115,952 115,952 
Interest on other loans held for investment at fair value— 7,688 7,688 
Interest on securities available for sale— 12,125 12,125 
Other interest income— 1,053 1,053 
Total interest income— 209,694 209,694 
Interest expense
Interest on short-term borrowings— 17,837 17,837 
Interest on retail notes, certificates and secured borrowings— 115,952 115,952 
Interest on Structured Program borrowings— 16,204 16,204 
Interest on other long-term debt— 373 373 
Total interest expense— 150,366 150,366 
Net interest income— 59,328 59,328 
Total net revenue— 318,084 318,084 
Provision for credit losses— 3,382 3,382 
Operating expenses
Sales and marketing79,055 (79,055)— 
Origination and servicing71,193 (71,193)— 
Engineering and product development139,050 (139,050)— 
Other general and administrative213,021 (213,021)— 
Total operating expenses502,319 (502,319)— 
Non-interest expense
Compensation and benefits— 252,517 252,517 
Marketing— 51,518 51,518 
Equipment and software— 26,842 26,842 
Occupancy— 27,870 27,870 
Depreciation and amortization— 54,030 54,030 
Professional services— 41,780 41,780 
Other non-interest expense— 47,762 47,762 
Total non-interest expense— 502,319 502,319 
Loss before income tax expense(187,617)— (187,617)
Income tax benefit(79)— (79)
Consolidated net loss$(187,538)$— $(187,538)

LENDINGCLUB CORPORATION
Consolidated Statement of Operations (Continued)
(In Thousands)
(Unaudited)
(1)    The following presents the components of marketplace revenue for the period presented:
Year Ended December 31, 2020
Origination fees$207,640 
Servicing fees111,864 
Gain on sales of loans30,812 
Net fair value adjustments(105,002)
Total marketplace revenue$245,314 


LENDINGCLUB CORPORATION
Consolidated Statements of Cash Flows
(In Thousands)
(Unaudited)
Year Ended December 31,
20202019
Cash Flows from Operating Activities:
Consolidated net loss$(187,538)$(30,690)
Adjustments to reconcile consolidated net loss to net cash provided by (used for) operating activities:
Net fair value adjustments105,002 144,273 
Provision for credit losses3,382 — 
Change in fair value of loan servicing assets58,730 58,172 
Stock-based compensation, net61,533 73,639 
Depreciation, amortization, and accretion56,526 62,151 
Gain on sales of loans(30,812)(67,716)
Other, net12,506 5,110 
Net change to loans held for sale435,245 (440,192)
Other assets34,483 1,499 
Other liabilities(131,026)(77,609)
Net cash provided by (used for) operating activities418,031 (270,644)
Cash Flows from Investing Activities:
Net decrease in loans7,151 9,150 
Net decrease in retail and certificate loans411,428 602,678 
Purchases of securities available for sale(53,736)(144,481)
Proceeds from sales of securities available for sale6,217 12,548 
Proceeds from maturities and paydowns of securities available for sale225,458 223,980 
Purchases of property, equipment and software, net(31,147)(50,668)
Other investing activities400 561 
Net cash provided by investing activities565,771 653,768 
Cash Flows from Financing Activities:
Proceeds from issuance of retail notes and certificates314,995 632,962 
Net decrease in retail notes and certificates(729,405)(1,259,203)
Principal payments on Structured Program borrowings(73,710)(58,025)
Proceeds from issuance of notes and certificates from Structured Program transactions186,190 42,500 
Proceeds from short-term borrowings1,195,261 2,943,948 
Principal payments on short-term borrowings(1,662,199)(2,801,824)
Principal payments on other long-term debt(14,419)(13,651)
Deemed dividend paid to preferred stockholder(50,204)— 
Other financing activities(8,948)(26,767)
Net cash used for financing activities(842,439)(540,060)
Net Increase (Decrease) in Cash, Cash Equivalents and Restricted Cash$141,363 $(156,936)
Cash, Cash Equivalents and Restricted Cash, Beginning of Period$487,122 $644,058 
Cash, Cash Equivalents and Restricted Cash, End of Period$628,485 $487,122 

LENDINGCLUB CORPORATION
Consolidated Statements of Cash Flows (Continued)
(In Thousands)
(Unaudited)
Year Ended December 31,
20202019
Supplemental Cash Flow Information:
Cash paid for interest$143,840 $254,585 
Cash paid for operating leases included in the measurement of lease liabilities$16,679 $16,816 
Non-cash investing activity:
Net securities retained from Structured Program transactions$43,458 $197,267 
Accruals for property, equipment and software$686 $1,745 
Non-cash investing and financing activity:
Transfer of whole loans to redeem certificates$17,414 $122,330 
Non-cash financing activity:
Exchange of common stock for preferred stock$207,244 $— 
Derecognition of payable on Structured Program borrowings$— $200,881 

LENDINGCLUB CORPORATION
Condensed Consolidated Statements of Cash Flows
(In Thousands)
(Unaudited)
Year to Date
September 30, 2020June 30, 2020
March 31, 2020(1)
Cash Flows from Operating Activities:
Consolidated net loss$(160,883)$(126,558)$(48,087)
Adjustments to reconcile consolidated net loss to net cash provided by (used for) operating activities:
Net fair value adjustments99,144 95,818 89,786 
Provision for credit losses3,800 7,469 10,980 
Change in fair value of loan servicing assets48,046 34,670 9,608 
Stock-based compensation, net47,455 32,333 18,129 
Depreciation, amortization, and accretion44,055 30,916 13,730 
Gain on sales of loans(23,724)(15,985)(14,261)
Other, net9,259 7,385 1,455 
Net change to loans held for sale375,782 (34,773)(191,496)
Net change in operating assets and liabilities:
Other assets55,035 43,658 (4,918)
Other liabilities(133,012)(129,300)(101,373)
Net cash provided by (used for) operating activities364,957 (54,367)(216,447)
Cash Flows from Investing Activities:
Net increase in loans5,987 4,583 (101,852)
Net decrease in retail and certificate loans340,853 248,320 228,057 
Purchases of securities available for sale(53,536)(47,443)(34,909)
Proceeds from sales of securities available for sale2,396 2,396 2,396 
Proceeds from maturities and paydowns of securities available for sale179,174 126,945 61,038 
Purchases of property, equipment and software, net(24,583)(19,583)(11,435)
Other investing activities300 200 100 
Net cash provided by investing activities450,591 315,418 143,395 
Cash Flows from Financing Activities:
Proceeds from issuance of retail notes and certificates237,283 159,894 104,620 
Net decrease in retail notes and certificates(580,841)(409,904)(229,002)
Principal payments on Structured Program borrowings(51,635)(28,398)(6,911)
Proceeds from issuance of notes and certificates from Structured Program transactions186,190 186,190 186,190 
Proceeds from short-term borrowings1,105,051 1,050,551 979,539 
Principal payments on short-term borrowings(1,558,150)(1,152,798)(946,038)
Principal payments on other long-term debt(14,419)(5,298)— 
Deemed dividend paid to preferred stockholder(50,204)(50,204)(50,204)
Other financing activities(31,978)(25,467)(18,672)
Net cash (used for) provided by financing activities(758,703)(275,434)19,522 
Net Increase (Decrease) in Cash, Cash Equivalents and Restricted Cash$56,845 $(14,383)$(53,530)
Cash, Cash Equivalents and Restricted Cash, Beginning of Period$487,122 $487,122 $487,122 
Cash, Cash Equivalents and Restricted Cash, End of Period$543,967 $472,739 $433,592 

LENDINGCLUB CORPORATION
Condensed Consolidated Statements of Cash Flows (Continued)
(In Thousands)
(Unaudited)
Year to Date
September 30, 2020June 30, 2020
March 31, 2020(1)
Supplemental Cash Flow Information:
Cash paid for interest$115,639 $38,791 $43,559 
Cash paid for operating leases included in the measurement of lease liabilities$12,086 $7,951 $4,383 
Non-cash investing activity:
Net securities retained from Structured Program transactions$43,458 $43,883 $44,260 
Accruals for property, equipment and software$1,260 $1,023 $2,439 
Non-cash investing and financing activity:
Transfer of whole loans to redeem certificates$17,414 $17,414 $17,414 
Non-cash financing activity:
Exchange of common stock for preferred stock$207,244 $207,244 $207,244 
(1)    Previously presented in the Company’s Quarterly Report on Form 10-Q as of and for the period ended March 31, 2021.

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