Listed Funds Trust Morgan Creek - Exos Active SPAC Arbitrage (CSH) Quote

Someone believes in the company. They just invested $57mil into this company.

2.72mil shares bought

MARKET TALK: Good Times Set to Keep Rolling for Cash America CSH

6:32 EST - Cash America's (CSH) 4Q beat and strong 1Q profit view should easily offset any conservatism the check casher and payday lender is exuding in for the moment not raising its initially downbeat 2013 EPS forecast. Investors had been hopeful going into the report, bidding up the stock some 25% since mid-November after trending lower for most of last year amid concerns about CSH's staying power and regulatory efforts in various states. But the company is seeing continued strong demand for its offerings, a trend CSH doesn't see ending near-term. Shares are inactive premarket. (kevin.kingsbury@dowjones.com) (END) Dow Jones Newswires January 24, 2013 06:32 ET (11:32 GMT) Copyright (c) 2013 Dow Jones & Company, Inc. 012413 11:32 -- GMT Story ID: JAN242013_DJB_01Ar Keywords: CORPORATE ACTIONS, ALL COMPANY NEWS, EARNINGS, EARNINGS PROJECTIONS BY COMPANIES OR ANALYSTS Symbols: CSH

Cash America beats by $0.09, beats on revs; guides Q1 EPS above consensus; reaffirms FY13 EPS guidance

6:10 AM ET 1/24/13 | Briefing.com

Reports Q4 (Dec) earnings of $1.29 per share, $0.09 better than the Capital IQ Consensus Estimate of $1.20; revenues rose 3.7% year/year to $491.6 mln vs the $479.18 mln consensus.

Comparing the ending balance at December 31, 2012 to the same date in 2011, total combined consumer loan balances, a non-GAAP measure, which includes loans extended by the co directly and loans offered by third parties that the co guarantees, which are both GAAP measures, were up 27% to $439.8 million, which led to a 24% increase in revenue from consumer loan fees and was the primary driver of the increase in total revenue during Q4. Aggregate pawn service fees rose 5% YoY in Q4, adding to the top line revenue growth for the period. Consumer loan fees increased 24% YoY to $222.9 million, as the Company's E-commerce segment recorded a 30% increase in revenue, led by a 38% increase in revenue from its domestic online lending business and a 22% increase in rev from its foreign lending business.

Co issues upside guidance for Q1, sees EPS of $1.35-1.42 vs. $1.28 Capital IQ Consensus Estimate.

Co reaffirms guidance for FY13, sees EPS of $4.75-5.15 vs. $4.96 Capital IQ Consensus Estimate.

Mgmt believes that the opportunities for sustained growth in revenue and earnings will be largely associated with the customer demand for the credit products provided by the co, which primarily take the form of pawn loans and consumer loans. Other elements expected to affect the growth in revenue include the potential impact of the regulatory governance of loan products, the reorganization and continued development of the Mexican pawn operations and the development and expansion of the Company's online distribution channel. First quarter 2013 results could be influenced by the timing of Federal income tax refunds to the Company's customers.

Cash America Announces 2.5 Million Share Repurchase Authorization

Cash America International, Inc. (NYSE: CSH) announced today that its board of directors, at its regularly scheduled meeting, authorized the repurchase of up to 2,500,000 shares of the Company's outstanding common stock, par value $0.10 per share. The share repurchase authorization does not have an expiration date, and the amount and prices paid for any future share purchases under the new authorization will be based on market conditions and other factors at the time of the purchase. Repurchases under the share repurchase program will be made through open market purchases or private transactions, in accordance with applicable federal securities laws, including Rule 10b-18 under the Securities Exchange Act of 1934, as amended. This new authorization cancels and replaces a previous authorization to purchase up to 2,500,000 shares of common stock, under which approximately 40% of the authorized shares had been repurchased as of December 31, 2012.

Repurchased shares will be held as treasury stock for general corporate purposes. As of December 31, 2012, there were approximately 29 million shares of Cash America common stock issued and outstanding; therefore, the new authorization represents approximately 9% of the currently issued and outstanding shares of common stock.

About the Company

As of December 31, 2012, Cash America International, Inc. operated 969 total locations offering specialty financial services to consumers, which included the following:

-- 831 lending locations in 22 states in the United States primarily under the names "Cash America Pawn," "SuperPawn," "Cash America Payday Advance," and "Cashland;"

-- 47 pawn lending locations in central and southern Mexico under the name "Cash America casa de empeno" (previously operated under the name "Prenda Facil"); and

-- 91 check cashing centers (all of which are unconsolidated franchised check cashing centers) operating in 15 states in the United States under the name "Mr. Payroll."

Additionally, as of December 31, 2012, the Company offered consumer loans over the Internet to customers:

-- in 32 states in the United States at http://www.cashnetusa.com and http://www.netcredit.com;

-- in the United Kingdom at http://www.quickquid.co.uk and http://www.poundstopocket.co.uk;

-- in Australia at http://www.dollarsdirect.com.au; and

-- in Canada at http://www.dollarsdirect.ca.

For additional information regarding the Company and the services it provides, visit the Company's websites located at:

View data
http://www.cashamerica.com http://www.poundstopocket.co.uk
http://www.enova.com http://www.dollarsdirect.com.au
http://www.cashnetusa.com http://www.dollarsdirect.ca
http://www.netcredit.com http://www.goldpromise.com
http://www.cashlandloans.com http://www.mrpayroll.com
http://www.quickquid.co.uk http://www.primaryinnovations.net

http://www.cashamerica.com http://www.poundstopocket.co.uk http://www.enova.com http://www.dollarsdirect.com.au http://www.cashnetusa.com http://www.dollarsdirect.ca http://www.netcredit.com http://www.goldpromise.com http://www.cashlandloans.com http://www.mrpayroll.com http://www.quickquid.co.uk http://www.primaryinnovations.net

Safe Harbor Statement under the Private Securities Litigation Reform Act of 1995

This release contains forward-looking statements about the business, financial condition, operations and prospects of the Company. The actual results of the Company could differ materially from those indicated by the forward-looking statements because of various risks and uncertainties including, without limitation: changes in domestic and foreign pawn, consumer credit, tax and other laws and governmental rules and regulations applicable to the Company's business or changes in the interpretation or enforcement thereof; the anticipated regulation of consumer financial products and services by the Consumer Financial Protection Bureau; acceptance by consumers, legislators or regulators of the negative characterization by the media and consumer activists with respect to certain of the Company's loan products; the reorganization of the Company's Mexico-based pawn operations; the deterioration of the political, regulatory or economic environment in foreign countries where the Company operates or in the future may operate; the actions of third parties who provide, acquire or offer products and services to, from or for the Company; changes in demand for the Company's services and the continued acceptance of the online distribution channel by the Company's online loan customers; fluctuations in the price of gold or a deterioration in economic conditions; changes in competition; the ability of the Company to open new locations in accordance with its plans or to successfully integrate newly acquired businesses into the Company's operations; interest rate and foreign currency exchange rate fluctuations; the effect of any current or future litigation proceedings or any judicial decisions or rule-making that affect the Company, its products or its arbitration agreements; changes in the capital markets; changes in the Company's ability to satisfy its debt obligations or to refinance existing debt obligations or obtain new capital to finance growth; a prolonged interruption in the Company's operations of its facilities, systems and business functions, including its information technology and other business systems; security breaches, cyber attacks or fraudulent activity; the implementation of new, or changes in the interpretation of existing, accounting principles or financial reporting requirements; acts of God, war or terrorism, pandemics and other events; the effect of any of such changes on the Company's business or the markets in which it operates; and other risks and uncertainties indicated in the Company's filings with the Securities and Exchange Commission. These risks and uncertainties are beyond the ability of the Company to control, nor can the Company predict, in many cases, all of the risks and uncertainties that could cause its actual results to differ materially from those indicated by the forward-looking statements. When used in this release, terms such as "believes," "estimates," "should," "could," "would," "plans," "expects," "anticipates," "may," "forecasts," "projects" and similar expressions and variations as they relate to the Company or its management are intended to identify forward-looking statements. The Company disclaims any intention or obligation to update or revise any forward-looking statements to reflect events or circumstances occurring after the date of this release.

http://cts.businesswire.com/ct/CT?id=bwnews&sty=20130124005371r1&sid=cmtx4&distro=nx

SOURCE: Cash America International, Inc.

Cash America International, Inc.
Thomas A. Bessant, Jr., 817-335-1100

Cash America Announces Fourth Quarter and Fiscal Year-End Earnings and Declares Dividend

6:00 AM ET 1/24/13 | BusinessWire

Cash America International, Inc. (NYSE: CSH) reported today that its fourth quarter ended December 31, 2012 net income attributable to the Company was $24,480,000 (79 cents per share), which included previously announced charges related to the closure of 115 locations during the quarter in its Mexico based pawn operations of $7.0 million (23 cents per share) and the after tax impact of the Company's voluntary refund to certain Ohio customers of $8.4 million (27 cents per share) in the period. The combined amount of the Mexico charges and the refund expense amounted to $15.4 million after taxes (50 cents per share). Adding these amounts back to reported net income would result in adjusted earnings, a non-GAAP measure, for the fourth quarter of 2012 of $39,887,000 ($1.29 per share), compared to $37,827,000 ($1.18 per share) for the fourth quarter of 2011. This amount is greater than management's publicly released earnings per share guidance of between $1.15 per share and $1.25 per share as reported in the Company's press release dated October 25, 2012 and above analysts' consensus estimates of $1.20 per share as reported by Thomson Reuters.

Consolidated total revenue of the Company increased 4% in the fourth quarter of 2012 to $491.6 million, up from $474.0 million for the same period in 2011. Revenue from the Company's loan products, driven by higher loan balances outstanding, contributed the largest portion of the increase for the period. Comparing the ending balance at December 31, 2012 to the same date in 2011, total combined consumer loan balances, a non-GAAP measure, which includes loans extended by the Company directly and loans offered by third parties that the Company guarantees, which are both GAAP measures, were up 27% to $439.8 million, which led to a 24% increase in revenue from consumer loan fees and was the primary driver of the increase in total revenue during the fourth quarter. Aggregate pawn service fees rose 5% in the fourth quarter of 2012 compared to the same period in 2011, adding to the top line revenue growth for the period. Consumer loan fees increased 24%, to $222.9 million, in the fourth quarter of 2012 compared to the same period in 2011, as the Company's E-commerce segment recorded a 30% increase in revenue, led by a 38% increase in revenue from its domestic online lending business and a 22% increase in revenue from its foreign lending business.

Commenting on the results of the quarter, Daniel R. Feehan, President and Chief Executive Officer of Cash America, said, "We continued to see strong performance out of our E-commerce business in the fourth quarter of 2012 as the higher levels of assets observed in the second and third quarters contributed to earnings growth that exceeded our expectations this period."

Net income attributable to the Company for the twelve months ended December 31, 2012 was $107,470,000 (3.42 per share) compared to $135,963,000 ($4.25 per share) for the same twelve-month period of 2011. When adding back the unusual items for the full year, which includes $25.4 million (81 cents per share) related to Mexico charges, $8.4 million (27 cents per share) related to the refund expense plus $2.5 million (7 cents per share) related to expenses associated with the July 2012 withdrawal of the Enova International, Inc. proposed initial public offering, adjusted earnings, a non-GAAP measure, would have been $143.8 million and adjusted earnings per share, a non-GAAP measure, would have been $4.57 per share for the twelve-month period ended December 31, 2012, up 8% for the period. Total revenue for the fiscal year ended December 31, 2012 increased 14% to $1.80 billion, up from $1.58 billion during the same twelve-month period in 2011.

Cash America will conduct a conference call to discuss its fourth quarter earnings on Thursday, January 24, 2013, at 7:00 AM CST. A live web cast of the call will be available on the Company's corporate web site in the Investor Relations section (www.cashamerica.com). To listen to the live call, please go to the web site at least fifteen minutes early to register, download, and install any necessary audio software.

Additionally, the Company announced that the Board of Directors, at its regularly scheduled quarterly meeting, declared a $0.035 (3.5 cents) per share cash dividend on common stock outstanding. The dividend will be paid at the close of business on February 20, 2013 to shareholders of record on February 6, 2013.

Outlook for the First Quarter of 2013 and the 2013 Fiscal Year

Management believes that the opportunities for sustained growth in revenue and earnings will be largely associated with the customer demand for the credit products provided by the Company, which primarily take the form of pawn loans and consumer loans. Other elements expected to affect the growth in revenue include the potential impact of the regulatory governance of loan products, the reorganization and continued development of the Mexican pawn operations and the development and expansion of the Company's online distribution channel. First quarter 2013 results could be influenced by the timing of Federal income tax refunds to the Company's customers. Based on the preceding factors management estimates that the first quarter of fiscal 2013 will be between $1.35 and $1.42 in earnings per share compared to $1.30 in the first quarter of 2012. At this time management confirms its previously reported expectations for its fiscal year 2013 earnings per share to a range of between $4.75 to $5.15 which compares to actual adjusted full year 2012 earnings per share of $4.57 that excludes the after tax impact of unusual items of $35.3 million ($1.15 per share).

About the Company

As of December 31, 2012, Cash America International, Inc. operated 969 total locations offering specialty financial services to consumers, which included the following:

-- 831 lending locations in 22 states in the United States primarily under the names "Cash America Pawn," "SuperPawn," "Cash America Payday Advance," and "Cashland;"

-- 47 pawn lending locations in central and southern Mexico under the name "Cash America casa de empeno" (previously operated under the name "Prenda Facil"); and

-- 91 check cashing centers (all of which are unconsolidated franchised check cashing centers) operating in 15 states in the United States under the name "Mr. Payroll."

Additionally, as of December 31, 2012, the Company offered consumer loans over the Internet to customers:

-- in 32 states in the United States at http://www.cashnetusa.com and http://www.netcredit.com;

-- in the United Kingdom at http://www.quickquid.co.uk and http://www.poundstopocket.co.uk;

-- in Australia at http://www.dollarsdirect.com.au; and

-- in Canada at http://www.dollarsdirect.ca.

For additional information regarding the Company and the services it provides, visit the Company's websites located at:

View data
http://www.cashamerica.com http://www.poundstopocket.co.uk
http://www.enova.com http://www.dollarsdirect.com.au
http://www.cashnetusa.com http://www.dollarsdirect.ca
http://www.netcredit.com http://www.goldpromise.com
http://www.cashlandloans.com http://www.mrpayroll.com
http://www.quickquid.co.uk http://www.primaryinnovations.net

http://www.cashamerica.com http://www.poundstopocket.co.uk http://www.enova.com http://www.dollarsdirect.com.au http://www.cashnetusa.com http://www.dollarsdirect.ca http://www.netcredit.com http://www.goldpromise.com http://www.cashlandloans.com http://www.mrpayroll.com http://www.quickquid.co.uk http://www.primaryinnovations.net

Non-GAAP Measures

A reconciliation of adjusted earnings and adjusted earnings per share, which are non-GAAP measures, for the three- and twelve-month periods ended December 31, 2012 discussed above is included in the attachments to this press release. In addition, details regarding combined consumer loan balances as of December 31, 2012 and December 31, 2011 discussed above, which are non-GAAP measures that are comprised of loans extended by the Company directly and loans offered by third parties that the Company guarantees that are both GAAP measures, are included in the attachments to this press release.

Safe Harbor Statement under the Private Securities Litigation Reform Act of 1995

This release contains forward-looking statements about the business, financial condition, operations and prospects of the Company. The actual results of the Company could differ materially from those indicated by the forward-looking statements because of various risks and uncertainties including, without limitation: changes in domestic and foreign pawn, consumer credit, tax and other laws and governmental rules and regulations applicable to the Company's business or changes in the interpretation or enforcement thereof; the anticipated regulation of consumer financial products and services by the Consumer Financial Protection Bureau; acceptance by consumers, legislators or regulators of the negative characterization by the media and consumer activists with respect to certain of the Company's loan products; the reorganization of the Company's Mexico-based pawn operations; the deterioration of the political, regulatory or economic environment in foreign countries where the Company operates or in the future may operate; the actions of third parties who provide, acquire or offer products and services to, from or for the Company; changes in demand for the Company's services and the continued acceptance of the online distribution channel by the Company's online loan customers; fluctuations in the price of gold or a deterioration in economic conditions; changes in competition; the ability of the Company to open new locations in accordance with its plans or to successfully integrate newly acquired businesses into the Company's operations; interest rate and foreign currency exchange rate fluctuations; the effect of any current or future litigation proceedings or any judicial decisions or rule-making that affect the Company, its products or its arbitration agreements; changes in the capital markets; changes in the Company's ability to satisfy its debt obligations or to refinance existing debt obligations or obtain new capital to finance growth; a prolonged interruption in the Company's operations of its facilities, systems and business functions, including its information technology and other business systems; security breaches, cyber attacks or fraudulent activity; the implementation of new, or changes in the interpretation of existing, accounting principles or financial reporting requirements; acts of God, war or terrorism, pandemics and other events; the effect of any of such changes on the Company's business or the markets in which it operates; and other risks and uncertainties indicated in the Company's filings with the Securities and Exchange Commission. These risks and uncertainties are beyond the ability of the Company to control, nor can the Company predict, in many cases, all of the risks and uncertainties that could cause its actual results to differ materially from those indicated by the forward-looking statements. When used in this release, terms such as "believes," "estimates," "should," "could," "would," "plans," "expects," "anticipates," "may," "forecasts," "projects" and similar expressions and variations as they relate to the Company or its management are intended to identify forward-looking statements. The Company disclaims any intention or obligation to update or revise any forward-looking statements to reflect events or circumstances occurring after the date of this release.

View data
CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
HIGHLIGHTS OF CONSOLIDATED RESULTS OF OPERATIONS
(dollars in thousands, except per share data)
(Unaudited)
Three Months Ended Year Ended
December 31, December 31,
---------------------------- -------------------------
2012 2011 2012 2011
--------------- ------------ --------- ---------
Consolidated Operations:
Total revenue $ 491,604 $ 473,957 $ 1,800,430 $ 1,583,064
Net revenue 267,088 248,329 1,005,957 909,759
Total expenses 217,600 180,204 790,042 665,417
----------------------------------------------------------- ----------- ------- --------- ---------
Income from Operations $ 49,488 $ 68,125 $ 215,915 $ 244,342
Income before income taxes 41,160 60,688 186,320 217,526
----------------------------------------------------------- ----------- ------- --------- ---------
Net Income $ 23,991 $ 37,605 $ 101,664 $ 135,166
----------------------------------------------------------- --- ----------- --- ------- --- --------- --- ---------
Net loss attributable to the noncontrolling interest $ 489 $ 222 $ 5,806 $ 797
----------------------------------------------------------- --- ----------- --- ------- --- --------- --- ---------
Net Income Attributable to Cash America International, Inc. $ 24,480 $ 37,827 $ 107,470 $ 135,963
----------------------------------------------------------- --- ----------- --- ------- --- --------- --- ---------
Earnings per share:
Net Income attributable to Cash America International, Inc.
common shareholders:
Basic $ 0.84 $ 1.28 $ 3.64 $ 4.59
Diluted $ 0.79 $ 1.18 $ 3.42 $ 4.25
Weighted average common shares outstanding:
Basic 29,262 29,528 29,514 29,602
Diluted 30,884 32,059 31,452 31,991

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES HIGHLIGHTS OF CONSOLIDATED RESULTS OF OPERATIONS (dollars in thousands, except per share data) (Unaudited) Three Months Ended Year Ended December 31, December 31, ---------------------------- ------------------------- 2012 2011 2012 2011 --------------- ------------ --------- --------- Consolidated Operations: Total revenue $ 491,604 $ 473,957 $ 1,800,430 $ 1,583,064 Net revenue 267,088 248,329 1,005,957 909,759 Total expenses 217,600 180,204 790,042 665,417 ----------------------------------------------------------- ----------- ------- --------- --------- Income from Operations $ 49,488 $ 68,125 $ 215,915 $ 244,342 Income before income taxes 41,160 60,688 186,320 217,526 ----------------------------------------------------------- ----------- ------- --------- --------- Net Income $ 23,991 $ 37,605 $ 101,664 $ 135,166 ----------------------------------------------------------- --- ----------- --- ------- --- --------- --- --------- Net loss attributable to the noncontrolling interest $ 489 $ 222 $ 5,806 $ 797 ----------------------------------------------------------- --- ----------- --- ------- --- --------- --- --------- Net Income Attributable to Cash America International, Inc. $ 24,480 $ 37,827 $ 107,470 $ 135,963 ----------------------------------------------------------- --- ----------- --- ------- --- --------- --- --------- Earnings per share: Net Income attributable to Cash America International, Inc. common shareholders: Basic $ 0.84 $ 1.28 $ 3.64 $ 4.59 Diluted $ 0.79 $ 1.18 $ 3.42 $ 4.25 Weighted average common shares outstanding: Basic 29,262 29,528 29,514 29,602 Diluted 30,884 32,059 31,452 31,991

View data
CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS
(dollars in thousands, except per share data)
(Unaudited)
December 31,
--------------------------------
2012 2011
--------- ---------
Assets
Current assets:
Cash and cash equivalents $ 63,134 $ 62,542
Pawn loans 244,640 253,519
Consumer loans, net 289,418 222,778
Merchandise held for disposition, net 167,409 161,884
Pawn loan fees and service charges receivable 48,991 48,003
Prepaid expenses and other assets 35,605 31,301
Deferred tax assets 48,992 35,065
----------------------------------------------------------------------- --------- ---------
Total current assets 898,189 815,092
Property and equipment, net 261,771 246,429
Goodwill 608,216 562,721
Intangible assets, net 36,473 34,771
Other assets 13,609 15,236
----------------------------------------------------------------------- --------- ---------
Total assets $ 1,818,258 $ 1,674,249
----------------------------------------------------------------------- -------- --------- - ---------
Liabilities and Equity
Current liabilities:
Accounts payable and accrued expenses $ 126,664 $ 113,113
Customer deposits 11,420 9,935
Income taxes currently payable 5,922 12,880
Current portion of long-term debt 43,617 34,273
----------------------------------------------------------------------- --------- ---------
Total current liabilities 187,623 170,201
Deferred tax liabilities 101,711 89,712
Noncurrent income tax payable 2,703 2,315
Other liabilities 888 1,413
Long-term debt 534,713 503,018
----------------------------------------------------------------------- --------- ---------
Total liabilities $ 827,638 $ 766,659
----------------------------------------------------------------------- -------- --------- - ---------
Equity:
Cash America International, Inc. equity:
Common stock, $0.10 par value per share, 80,000,000 shares
authorized, 30,235,164 shares issued and outstanding 3,024 3,024
Additional paid-in capital 157,613 167,683
Retained earnings 879,434 776,060
Accumulated other comprehensive income (loss) 3,128 (6,896)
Treasury shares, at cost (1,351,712 shares and 1,011,356 shares
at December 31, 2012 and 2011, respectively) (51,304) (37,419)
----------------------------------------------------------------------- --------- ---------
Total Cash America International, Inc. shareholders' equity 991,895 902,452
Noncontrolling interest (1,275) 5,138
----------------------------------------------------------------------- --------- ---------
Total equity 990,620 907,590
----------------------------------------------------------------------- --------- ---------
Total liabilities and equity $ 1,818,258 $ 1,674,249
----------------------------------------------------------------------- -------- --------- - ---------

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES CONSOLIDATED BALANCE SHEETS (dollars in thousands, except per share data) (Unaudited) December 31, -------------------------------- 2012 2011 --------- --------- Assets Current assets: Cash and cash equivalents $ 63,134 $ 62,542 Pawn loans 244,640 253,519 Consumer loans, net 289,418 222,778 Merchandise held for disposition, net 167,409 161,884 Pawn loan fees and service charges receivable 48,991 48,003 Prepaid expenses and other assets 35,605 31,301 Deferred tax assets 48,992 35,065 ----------------------------------------------------------------------- --------- --------- Total current assets 898,189 815,092 Property and equipment, net 261,771 246,429 Goodwill 608,216 562,721 Intangible assets, net 36,473 34,771 Other assets 13,609 15,236 ----------------------------------------------------------------------- --------- --------- Total assets $ 1,818,258 $ 1,674,249 ----------------------------------------------------------------------- -------- --------- - --------- Liabilities and Equity Current liabilities: Accounts payable and accrued expenses $ 126,664 $ 113,113 Customer deposits 11,420 9,935 Income taxes currently payable 5,922 12,880 Current portion of long-term debt 43,617 34,273 ----------------------------------------------------------------------- --------- --------- Total current liabilities 187,623 170,201 Deferred tax liabilities 101,711 89,712 Noncurrent income tax payable 2,703 2,315 Other liabilities 888 1,413 Long-term debt 534,713 503,018 ----------------------------------------------------------------------- --------- --------- Total liabilities $ 827,638 $ 766,659 ----------------------------------------------------------------------- -------- --------- - --------- Equity: Cash America International, Inc. equity: Common stock, $0.10 par value per share, 80,000,000 shares authorized, 30,235,164 shares issued and outstanding 3,024 3,024 Additional paid-in capital 157,613 167,683 Retained earnings 879,434 776,060 Accumulated other comprehensive income (loss) 3,128 (6,896) Treasury shares, at cost (1,351,712 shares and 1,011,356 shares at December 31, 2012 and 2011, respectively) (51,304) (37,419) ----------------------------------------------------------------------- --------- --------- Total Cash America International, Inc. shareholders' equity 991,895 902,452 Noncontrolling interest (1,275) 5,138 ----------------------------------------------------------------------- --------- --------- Total equity 990,620 907,590 ----------------------------------------------------------------------- --------- --------- Total liabilities and equity $ 1,818,258 $ 1,674,249 ----------------------------------------------------------------------- -------- --------- - ---------

View data
CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME
(dollars in thousands, except per share data)
(Unaudited)
Three Months Ended Year Ended
December 31, December 31,
---------------------- --------------------------
2012 2011 2012 2011
------- ------- --------- ---------
(Unaudited)
Revenue
Pawn loan fees and service charges $ 79,479 $ 76,063 $ 300,929 $ 282,197
Proceeds from disposition of merchandise 185,935 215,196 703,767 688,884
Consumer loan fees 222,864 180,124 781,520 598,646
Other 3,326 2,574 14,214 13,337
------------------------------------------------------------------ ------- ------- --------- ---------
Total Revenue 491,604 473,957 1,800,430 1,583,064
------------------------------------------------------------------ ------- ------- --------- ---------
Cost of Revenue
Disposed merchandise 127,301 145,145 478,179 447,617
Consumer loan loss provision 97,215 80,483 316,294 225,688
------------------------------------------------------------------ ------- ------- --------- ---------
Total Cost of Revenue 224,516 225,628 794,473 673,305
------------------------------------------------------------------ ------- ------- --------- ---------
Net Revenue 267,088 248,329 1,005,957 909,759
------------------------------------------------------------------ ------- ------- --------- ---------
Expenses
Operations and administration 199,054 165,655 714,614 611,268
Depreciation and amortization 18,546 14,549 75,428 54,149
------------------------------------------------------------------ ------- ------- --------- ---------
Total Expenses 217,600 180,204 790,042 665,417
------------------------------------------------------------------ ------- ------- --------- ---------
Income from Operations 49,488 68,125 215,915 244,342
Interest expense (8,066) (7,221) (29,131) (25,528)
Interest income 65 25 144 81
Foreign currency transaction gain (loss) (241) (207) (313) (1,265)
Equity in loss of unconsolidated subsidiary (86) (34) (295) (104)
------------------------------------------------------------------ ------- ------- --------- ---------
Income before Income Taxes 41,160 60,688 186,320 217,526
Provision for income taxes 17,169 23,083 84,656 82,360
------------------------------------------------------------------ ------- ------- --------- ---------
Net Income 23,991 37,605 101,664 135,166
Net loss attributable to the noncontrolling interest 489 222 5,806 797
------------------------------------------------------------------ ------- ------- --------- ---------
Net Income Attributable to Cash America International, Inc. $ 24,480 $ 37,827 $ 107,470 $ 135,963
------------------------------------------------------------------ ---- ------- ---- ------- ---- --------- ---- ---------
Earnings Per Share:
Net Income attributable to Cash America International, Inc. common
shareholders:
Basic $ 0.84 $ 1.28 $ 3.64 $ 4.59
Diluted $ 0.79 $ 1.18 $ 3.42 $ 4.25
Weighted average common shares outstanding:
Basic 29,262 29,528 29,514 29,602
Diluted 30,884 32,059 31,452 31,991
Dividends declared per common share $ 0.035 $ 0.035 $ 0.140 $ 0.140

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME (dollars in thousands, except per share data) (Unaudited) Three Months Ended Year Ended December 31, December 31, ---------------------- -------------------------- 2012 2011 2012 2011 ------- ------- --------- --------- (Unaudited) Revenue Pawn loan fees and service charges $ 79,479 $ 76,063 $ 300,929 $ 282,197 Proceeds from disposition of merchandise 185,935 215,196 703,767 688,884 Consumer loan fees 222,864 180,124 781,520 598,646 Other 3,326 2,574 14,214 13,337 ------------------------------------------------------------------ ------- ------- --------- --------- Total Revenue 491,604 473,957 1,800,430 1,583,064 ------------------------------------------------------------------ ------- ------- --------- --------- Cost of Revenue Disposed merchandise 127,301 145,145 478,179 447,617 Consumer loan loss provision 97,215 80,483 316,294 225,688 ------------------------------------------------------------------ ------- ------- --------- --------- Total Cost of Revenue 224,516 225,628 794,473 673,305 ------------------------------------------------------------------ ------- ------- --------- --------- Net Revenue 267,088 248,329 1,005,957 909,759 ------------------------------------------------------------------ ------- ------- --------- --------- Expenses Operations and administration 199,054 165,655 714,614 611,268 Depreciation and amortization 18,546 14,549 75,428 54,149 ------------------------------------------------------------------ ------- ------- --------- --------- Total Expenses 217,600 180,204 790,042 665,417 ------------------------------------------------------------------ ------- ------- --------- --------- Income from Operations 49,488 68,125 215,915 244,342 Interest expense (8,066) (7,221) (29,131) (25,528) Interest income 65 25 144 81 Foreign currency transaction gain (loss) (241) (207) (313) (1,265) Equity in loss of unconsolidated subsidiary (86) (34) (295) (104) ------------------------------------------------------------------ ------- ------- --------- --------- Income before Income Taxes 41,160 60,688 186,320 217,526 Provision for income taxes 17,169 23,083 84,656 82,360 ------------------------------------------------------------------ ------- ------- --------- --------- Net Income 23,991 37,605 101,664 135,166 Net loss attributable to the noncontrolling interest 489 222 5,806 797 ------------------------------------------------------------------ ------- ------- --------- --------- Net Income Attributable to Cash America International, Inc. $ 24,480 $ 37,827 $ 107,470 $ 135,963 ------------------------------------------------------------------ ---- ------- ---- ------- ---- --------- ---- --------- Earnings Per Share: Net Income attributable to Cash America International, Inc. common shareholders: Basic $ 0.84 $ 1.28 $ 3.64 $ 4.59 Diluted $ 0.79 $ 1.18 $ 3.42 $ 4.25 Weighted average common shares outstanding: Basic 29,262 29,528 29,514 29,602 Diluted 30,884 32,059 31,452 31,991 Dividends declared per common share $ 0.035 $ 0.035 $ 0.140 $ 0.140

View data
CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
PAWN LENDING ACTIVITIES - FINANCIAL AND OPERATING DATA
(dollars in thousands, except where otherwise noted)
The following tables outline certain data related to pawn loan
activities of Cash America International, Inc. (the "Company") as
of and for the three months and years ended December 31, 2012 and
2011 (dollars in thousands).
2012 2011
---------------------------------------------- -----------------------------------------------
Domestic Foreign Total Domestic Foreign Total
--------------- -------------- --------------- --------------- --------------- ---------------
As of December 31,
-------------------------------------------------
Ending pawn loan balances $ 240,573 $ 4,067 $ 244,640 $ 238,399 $ 15,120 $ 253,519
Ending merchandise balance, net $ 161,655 $ 5,754 $ 167,409 $ 151,274 $ 10,610 $ 161,884
Three Months Ended December 31,
-------------------------------------------------
Pawn loan fees and service charges $ 77,354 $ 2,125 $ 79,479 $ 71,420 $ 4,643 $ 76,063
Average pawn loan balance outstanding $ 240,545 $ 7,775 $ 248,320 $ 231,424 $ 17,561 $ 248,985
Amount of pawn loans written and renewed $ 241,215 $ 8,998 $ 250,213 $ 227,944 $ 37,266 $ 265,210
Annualized yield on pawn loans 127.9% 108.7% 127.3% 122.4% 104.9% 121.2%
Average amount per pawn loan (in ones) $ 133 $ 84 $ 127 $ 134 $ 99 $ 128
Gross profit margin on disposition of merchandise 32.6% 13.5% 31.5% 33.1% 24.8% 32.6%
Merchandise turnover 2.8 4.3 2.9 3.3 4.1 3.4
2012 2011
---------------------------------------------- -----------------------------------------------
Year Ended December 31, Domestic Foreign Total Domestic Foreign Total
------------------------------------------------- --------------- -------------- --------------- --------------- --------------- ---------------
Pawn loan fees and service charges $ 288,161 $ 12,768 $ 300,929 $ 261,829 $ 20,368 $ 282,197
Average pawn loan balance outstanding $ 225,066 $ 12,055 $ 237,121 $ 205,610 $ 20,037 $ 225,647
Amount of pawn loans written and renewed $ 916,215 $ 60,476 $ 976,691 $ 869,203 $ 118,126 $ 987,329
Annualized yield on pawn loans 128.0% 105.9% 126.9% 127.3% 101.7% 125.1%
Average amount per pawn loan (in ones) $ 131 $ 88 $ 124 $ 127 $ 103 $ 124
Gross profit margin on disposition of merchandise 33.5% 12.0% 32.1% 36.4% 18.6% 35.0%
Merchandise turnover 2.9 3.9 3.0 3.0 5.0 3.1

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES PAWN LENDING ACTIVITIES - FINANCIAL AND OPERATING DATA (dollars in thousands, except where otherwise noted) The following tables outline certain data related to pawn loan activities of Cash America International, Inc. (the "Company") as of and for the three months and years ended December 31, 2012 and 2011 (dollars in thousands). 2012 2011 ---------------------------------------------- ----------------------------------------------- Domestic Foreign Total Domestic Foreign Total --------------- -------------- --------------- --------------- --------------- --------------- As of December 31, ------------------------------------------------- Ending pawn loan balances $ 240,573 $ 4,067 $ 244,640 $ 238,399 $ 15,120 $ 253,519 Ending merchandise balance, net $ 161,655 $ 5,754 $ 167,409 $ 151,274 $ 10,610 $ 161,884 Three Months Ended December 31, ------------------------------------------------- Pawn loan fees and service charges $ 77,354 $ 2,125 $ 79,479 $ 71,420 $ 4,643 $ 76,063 Average pawn loan balance outstanding $ 240,545 $ 7,775 $ 248,320 $ 231,424 $ 17,561 $ 248,985 Amount of pawn loans written and renewed $ 241,215 $ 8,998 $ 250,213 $ 227,944 $ 37,266 $ 265,210 Annualized yield on pawn loans 127.9% 108.7% 127.3% 122.4% 104.9% 121.2% Average amount per pawn loan (in ones) $ 133 $ 84 $ 127 $ 134 $ 99 $ 128 Gross profit margin on disposition of merchandise 32.6% 13.5% 31.5% 33.1% 24.8% 32.6% Merchandise turnover 2.8 4.3 2.9 3.3 4.1 3.4 2012 2011 ---------------------------------------------- ----------------------------------------------- Year Ended December 31, Domestic Foreign Total Domestic Foreign Total ------------------------------------------------- --------------- -------------- --------------- --------------- --------------- --------------- Pawn loan fees and service charges $ 288,161 $ 12,768 $ 300,929 $ 261,829 $ 20,368 $ 282,197 Average pawn loan balance outstanding $ 225,066 $ 12,055 $ 237,121 $ 205,610 $ 20,037 $ 225,647 Amount of pawn loans written and renewed $ 916,215 $ 60,476 $ 976,691 $ 869,203 $ 118,126 $ 987,329 Annualized yield on pawn loans 128.0% 105.9% 126.9% 127.3% 101.7% 125.1% Average amount per pawn loan (in ones) $ 131 $ 88 $ 124 $ 127 $ 103 $ 124 Gross profit margin on disposition of merchandise 33.5% 12.0% 32.1% 36.4% 18.6% 35.0% Merchandise turnover 2.9 3.9 3.0 3.0 5.0 3.1

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
MERCHANDISE DISPOSITION, GROSS PROFIT AND INVENTORY OPERATING
DATA
(dollars in thousands)
Profit from the disposition of merchandise represents the proceeds received from the disposition of merchandise in excess of the cost of disposed merchandise, which is the Company's cost basis in the loan or the amount paid for purchased merchandise. The following tables summarize the proceeds from the disposition of merchandise and the related profit for the three months and years ended December 31, 2012 and 2011 (dollars in thousands).

View data
Three Months Ended December 31,
----------------------------------------------------------------------------------------
2012 2011
------------------------------------------- --------------------------------------------
Retail Commercial Total Retail Commercial Total
-------------- --------------- ------------ -------------- ---------------- ------------
Proceeds from disposition $ 113,964 $ 71,971 $ 185,935 $ 105,423 $ 109,773 $ 215,196
Gross profit on disposition $ 40,625 $ 18,009 $ 58,634 $ 37,712 $ 32,339 $ 70,051
Gross profit margin 35.6 % 25.0 % 31.5 % 35.8 % 29.5 % 32.6 %
Percentage of total gross profit 69.3 % 30.7 % 100.0 % 53.8 % 46.2 % 100.0 %

Three Months Ended December 31, ---------------------------------------------------------------------------------------- 2012 2011 ------------------------------------------- -------------------------------------------- Retail Commercial Total Retail Commercial Total -------------- --------------- ------------ -------------- ---------------- ------------ Proceeds from disposition $ 113,964 $ 71,971 $ 185,935 $ 105,423 $ 109,773 $ 215,196 Gross profit on disposition $ 40,625 $ 18,009 $ 58,634 $ 37,712 $ 32,339 $ 70,051 Gross profit margin 35.6 % 25.0 % 31.5 % 35.8 % 29.5 % 32.6 % Percentage of total gross profit 69.3 % 30.7 % 100.0 % 53.8 % 46.2 % 100.0 %

View data
Year Ended December 31,
-----------------------------------------------------------------------------------------
2012 2011
-------------------------------------------- --------------------------------------------
Retail Commercial Total Retail Commercial Total
-------------- ---------------- ------------ -------------- ---------------- ------------
Proceeds from disposition $ 391,566 $ 312,201 $ 703,767 $ 358,695 $ 330,189 $ 688,884
Gross profit on disposition $ 144,095 $ 81,493 $ 225,588 $ 137,620 $ 103,647 $ 241,267
Gross profit margin 36.8 % 26.1 % 32.1 % 38.4 % 31.4 % 35.0 %
Percentage of total gross profit 63.9 % 36.1 % 100.0 % 57.0 % 43.0 % 100.0 %

Year Ended December 31, ----------------------------------------------------------------------------------------- 2012 2011 -------------------------------------------- -------------------------------------------- Retail Commercial Total Retail Commercial Total -------------- ---------------- ------------ -------------- ---------------- ------------ Proceeds from disposition $ 391,566 $ 312,201 $ 703,767 $ 358,695 $ 330,189 $ 688,884 Gross profit on disposition $ 144,095 $ 81,493 $ 225,588 $ 137,620 $ 103,647 $ 241,267 Gross profit margin 36.8 % 26.1 % 32.1 % 38.4 % 31.4 % 35.0 % Percentage of total gross profit 63.9 % 36.1 % 100.0 % 57.0 % 43.0 % 100.0 %

The table below summarizes the age of merchandise held for disposition before valuation allowance of $0.8 million and $0.7 million as of December 31, 2012 and 2011 (dollars in thousands).

View data
As of December 31,
----------------------------------------
2012 2011
------------------- -------------------
Amount % Amount %
------------ ----- ------------ -----
Jewelry - held for one year or less $ 99,489 59.0 $ 99,683 61.3
Other merchandise - held for one year or less 60,344 35.8 56,483 34.8
------------------------------------------------------------ ------- ----- ------- -----
Total merchandise held for one year or less 159,833 94.8 156,166 96.1
------------------------------------------------------------ ------- ----- ------- -----
Jewelry - held for more than one year 3,283 1.9 2,626 1.6
Other merchandise - held for more than one year 5,597 3.3 3,792 2.3
------------------------------------------------------------ ------- ----- ------- -----
Total merchandise held for more than one year 8,880 5.2 6,418 3.9
------------------------------------------------------------ ------- ----- ------- -----
Total merchandise held for disposition $ 168,713 100.0 $ 162,584 100.0
------------------------------------------------------------ --- ------- ----- --- ------- -----

As of December 31, ---------------------------------------- 2012 2011 ------------------- ------------------- Amount % Amount % ------------ ----- ------------ ----- Jewelry - held for one year or less $ 99,489 59.0 $ 99,683 61.3 Other merchandise - held for one year or less 60,344 35.8 56,483 34.8 ------------------------------------------------------------ ------- ----- ------- ----- Total merchandise held for one year or less 159,833 94.8 156,166 96.1 ------------------------------------------------------------ ------- ----- ------- ----- Jewelry - held for more than one year 3,283 1.9 2,626 1.6 Other merchandise - held for more than one year 5,597 3.3 3,792 2.3 ------------------------------------------------------------ ------- ----- ------- ----- Total merchandise held for more than one year 8,880 5.2 6,418 3.9 ------------------------------------------------------------ ------- ----- ------- ----- Total merchandise held for disposition $ 168,713 100.0 $ 162,584 100.0 ------------------------------------------------------------ --- ------- ----- --- ------- -----

View data
CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
CONSUMER LOAN FINANCIAL AND OPERATING DATA
(dollars in thousands, except where otherwise noted)
The following tables set forth consumer loan fees by segment,
adjusted for the deduction of the loan loss provision for the
three months and years ended December 31, 2012 and 2011 (dollars
in thousands).
Three Months Ended December 31,
-------------------------------------------------------------------------------------------------
2012 2011
------------------------------------------------ ------------------------------------------------
Retail Services E-Commerce Total Retail Services E-Commerce Total
---------------- ---------------- -------------- ---------------- ---------------- --------------
Interest and fees on short-term loans $ 28,803 $ 120,539 $ 149,342 $ 30,570 $ 117,449 $ 148,019
Interest and fees on line of credit - 27,558 27,558 - 9,797 9,797
Interest and fees on installment loans 3,693 42,271 45,964 2,790 19,518 22,308
--------------------------------------------------------- ------- ------- ------- ------- ------- -------
Consumer loan fees $ 32,496 $ 190,368 $ 222,864 $ 33,360 $ 146,764 $ 180,124
Consumer loan loss provision 10,095 87,120 97,215 8,549 71,934 80,483
--------------------------------------------------------- ------- ------- ------- ------- ------- -------
Consumer loan fees, net of loss provision $ 22,401 $ 103,248 $ 125,649 $ 24,811 $ 74,830 $ 99,641
--------------------------------------------------------- ----- ------- --- ------- -- ------- ----- ------- --- ------- -- -------
Year-over-year change - $ $ (2,410) $ 28,418 $ 26,008 $ (1,120) $ 21,419 $ 20,299
Year-over-year change - % (9.7) % 38.0 % 26.1 % (4.3) % 40.1 % 25.6 %
Consumer loan loss provision as a % of 31.1 % 45.8 % 43.6 % 25.6 % 49.0 % 44.7 %
consumer loan fees
--------------------------------------------------------- ------- - ------- --- ------- -- ------- - ------- --- ------- --
Year Ended December 31,
-------------------------------------------------------------------------------------------------
2012 2011
------------------------------------------------ ------------------------------------------------
Retail Services E-Commerce Total Retail Services E-Commerce Total
---------------- ---------------- -------------- ---------------- ---------------- --------------
Interest and fees on short-term loans $ 109,972 $ 459,793 $ 569,765 $ 110,071 $ 400,810 $ 510,881
Interest and fees on line of credit - 73,572 73,572 - 30,590 30,590
Interest and fees on installment loans 11,920 126,263 138,183 9,121 48,054 57,175
--------------------------------------------------------- ------- ------- ------- ------- ------- -------
Consumer loan fees $ 121,892 $ 659,628 $ 781,520 $ 119,192 $ 479,454 $ 598,646
Consumer loan loss provision 29,225 287,069 316,294 24,001 201,687 225,688
--------------------------------------------------------- ------- ------- ------- ------- ------- -------
Consumer loan fees, net of loss provision $ 92,667 $ 372,559 $ 465,226 $ 95,191 $ 277,767 $ 372,958
--------------------------------------------------------- ----- ------- --- ------- -- ------- ----- ------- --- ------- -- -------
Year-over-year change - $ $ (2,524) $ 94,792 $ 92,268 $ (1,345) $ 65,745 $ 64,400
Year-over-year change - % (2.7) % 34.1 % 24.7 % (1.4) % 31.0 % 20.9 %
Consumer loan loss provision as a % of consumer loan fees 24.0 % 43.5 % 40.5 % 20.1 % 42.1 % 37.7 %
--------------------------------------------------------- ------- - ------- --- ------- -- ------- - ------- --- ------- --

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES CONSUMER LOAN FINANCIAL AND OPERATING DATA (dollars in thousands, except where otherwise noted) The following tables set forth consumer loan fees by segment, adjusted for the deduction of the loan loss provision for the three months and years ended December 31, 2012 and 2011 (dollars in thousands). Three Months Ended December 31, ------------------------------------------------------------------------------------------------- 2012 2011 ------------------------------------------------ ------------------------------------------------ Retail Services E-Commerce Total Retail Services E-Commerce Total ---------------- ---------------- -------------- ---------------- ---------------- -------------- Interest and fees on short-term loans $ 28,803 $ 120,539 $ 149,342 $ 30,570 $ 117,449 $ 148,019 Interest and fees on line of credit - 27,558 27,558 - 9,797 9,797 Interest and fees on installment loans 3,693 42,271 45,964 2,790 19,518 22,308 --------------------------------------------------------- ------- ------- ------- ------- ------- ------- Consumer loan fees $ 32,496 $ 190,368 $ 222,864 $ 33,360 $ 146,764 $ 180,124 Consumer loan loss provision 10,095 87,120 97,215 8,549 71,934 80,483 --------------------------------------------------------- ------- ------- ------- ------- ------- ------- Consumer loan fees, net of loss provision $ 22,401 $ 103,248 $ 125,649 $ 24,811 $ 74,830 $ 99,641 --------------------------------------------------------- ----- ------- --- ------- -- ------- ----- ------- --- ------- -- ------- Year-over-year change - $ $ (2,410) $ 28,418 $ 26,008 $ (1,120) $ 21,419 $ 20,299 Year-over-year change - % (9.7) % 38.0 % 26.1 % (4.3) % 40.1 % 25.6 % Consumer loan loss provision as a % of 31.1 % 45.8 % 43.6 % 25.6 % 49.0 % 44.7 % consumer loan fees --------------------------------------------------------- ------- - ------- --- ------- -- ------- - ------- --- ------- -- Year Ended December 31, ------------------------------------------------------------------------------------------------- 2012 2011 ------------------------------------------------ ------------------------------------------------ Retail Services E-Commerce Total Retail Services E-Commerce Total ---------------- ---------------- -------------- ---------------- ---------------- -------------- Interest and fees on short-term loans $ 109,972 $ 459,793 $ 569,765 $ 110,071 $ 400,810 $ 510,881 Interest and fees on line of credit - 73,572 73,572 - 30,590 30,590 Interest and fees on installment loans 11,920 126,263 138,183 9,121 48,054 57,175 --------------------------------------------------------- ------- ------- ------- ------- ------- ------- Consumer loan fees $ 121,892 $ 659,628 $ 781,520 $ 119,192 $ 479,454 $ 598,646 Consumer loan loss provision 29,225 287,069 316,294 24,001 201,687 225,688 --------------------------------------------------------- ------- ------- ------- ------- ------- ------- Consumer loan fees, net of loss provision $ 92,667 $ 372,559 $ 465,226 $ 95,191 $ 277,767 $ 372,958 --------------------------------------------------------- ----- ------- --- ------- -- ------- ----- ------- --- ------- -- ------- Year-over-year change - $ $ (2,524) $ 94,792 $ 92,268 $ (1,345) $ 65,745 $ 64,400 Year-over-year change - % (2.7) % 34.1 % 24.7 % (1.4) % 31.0 % 20.9 % Consumer loan loss provision as a % of consumer loan fees 24.0 % 43.5 % 40.5 % 20.1 % 42.1 % 37.7 % --------------------------------------------------------- ------- - ------- --- ------- -- ------- - ------- --- ------- --

In addition to reporting consumer loans owned by the Company and consumer loans guaranteed by the Company, which are either generally accepted accounting principles ("GAAP") items or disclosures required by GAAP, the Company has provided combined consumer loans, which is a non-GAAP measure. In addition, the Company has reported consumer loans written and renewed, which is statistical data that is not included in the Company's financial statements. The Company also reports allowances and liabilities for estimated losses on consumer loans and on a combined basis, which are GAAP measures that are included in the Company's financial statements.

Management believes these measures provide investors with important information needed to evaluate the magnitude of potential loan losses and the opportunity for revenue performance of the consumer loan portfolio on an aggregate basis. The comparison of the aggregate amounts from period to period is more meaningful than comparing only the residual amount on the Company's balance sheet since both revenue and the loss provision for loans are impacted by the aggregate amount of loans owned by the Company and those guaranteed by the Company as reflected in its financial statements.

View data
CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
CONSUMER LOAN FINANCIAL AND OPERATING DATA
(dollars in thousands, except where otherwise noted)
The following tables summarize selected data related to the
Company's consumer loan activities as of and for the three months
and years ended December 31, 2012 and 2011.
Three Months Ended Year Ended
December 31, December 31,
------------------- ------------------------------------------------------
2012 2011 2012 2011
------- --------- ----- ---------------------------------------------
Combined consumer loan loss provision as a % of combined consumer 10.4% 9.2% 9.3% 7.4%
loans written and renewed(a)
Charge-offs (net of recoveries) as a % of combined consumer loans 9.7% 7.4% 8.6% 6.6%
written and renewed(a)
Combined consumer loan loss provision as a % of consumer loan fees 43.6% 44.7% 40.5% 37.7%
-------------------------------------------------------------- ----- --------- ----- ---------------------------------------------
(a) The disclosure regarding the amount and number of
consumer loans written and renewed is
statistical
data that is not included in the Company's financial statements.

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES CONSUMER LOAN FINANCIAL AND OPERATING DATA (dollars in thousands, except where otherwise noted) The following tables summarize selected data related to the Company's consumer loan activities as of and for the three months and years ended December 31, 2012 and 2011. Three Months Ended Year Ended December 31, December 31, ------------------- ------------------------------------------------------ 2012 2011 2012 2011 ------- --------- ----- --------------------------------------------- Combined consumer loan loss provision as a % of combined consumer 10.4% 9.2% 9.3% 7.4% loans written and renewed(a) Charge-offs (net of recoveries) as a % of combined consumer loans 9.7% 7.4% 8.6% 6.6% written and renewed(a) Combined consumer loan loss provision as a % of consumer loan fees 43.6% 44.7% 40.5% 37.7% -------------------------------------------------------------- ----- --------- ----- --------------------------------------------- (a) The disclosure regarding the amount and number of consumer loans written and renewed is statistical data that is not included in the Company's financial statements.

View data
As of December 31,
-------------------------------------------------------------------------------------------
2012 2011
--------------------------------------------- ---------------------------------------------
Company Guaranteed Combined(b) Company Guaranteed Combined(b)
Owned(a) by the Owned(a) by the
Company(a) Company(a)
------------ ------------ ------------- ------------ ------------ -------------
Ending consumer loan balances:
Retail Services
-------------------------------------------------------------------
Short-term loans $ 52,171 $ 7,134 $ 59,305 $ 53,601 $ 9,237 $ 62,838
Installment loans 11,246 9,395 20,641 9,262 7,425 16,687
------------------------------------------------------------------- -------- ------- -------- -------- ------- --------
Total Retail Services, gross 63,417 16,529 79,946 62,863 16,662 79,525
------------------------------------------------------------------- -------- ------- -------- -------- ------- --------
E-Commerce
-------------------------------------------------------------------
Domestic
Short-term loans 38,227 44,261 82,488 39,232 39,341 78,573
Line of credit 42,700 - 42,700 21,648 - 21,648
Installment loans 45,996 - 45,996 24,582 - 24,582
------------------------------------------------------------------- -------- ------- -------- -------- ------- --------
Total Domestic, gross 126,923 44,261 171,184 85,462 39,341 124,803
------------------------------------------------------------------- -------- ------- -------- -------- ------- --------
Foreign
Short-term loans 108,899 3,946 112,845 101,723 3,420 105,143
Installment loans 75,882 - 75,882 35,802 - 35,802
------------------------------------------------------------------- -------- ------- -------- -------- ------- --------
Total Foreign, gross 184,781 3,946 188,727 137,525 3,420 140,945
------------------------------------------------------------------- -------- ------- -------- -------- ------- --------
Total E-Commerce, gross 311,704 48,207 359,911 222,987 42,761 265,748
------------------------------------------------------------------- -------- ------- -------- -------- ------- --------
Total ending loan balance, gross 375,121 64,736 439,857 285,850 59,423 345,273
Less: Allowance and liabilities for losses (85,703) (3,498) (89,201) (63,072) (3,062) (66,134)
------------------------------------------------------------------- -------- ------- -------- -------- ------- --------
Total ending loan balance, net $ 289,418 $ 61,238 $ 350,656 $ 222,778 $ 56,361 $ 279,139
------------------------------------------------------------------- ---- -------- ----- ------- ----- -------- ---- -------- ----- ------- ----- --------
Allowance and liability for losses as a % of combined consumer loan 22.8% 5.4% 20.3% 22.1% 5.2% 19.2%
balances, gross(b)
------------------------------------------------------------------- -------- ------- -------- -------- ------- --------

As of December 31, ------------------------------------------------------------------------------------------- 2012 2011 --------------------------------------------- --------------------------------------------- Company Guaranteed Combined(b) Company Guaranteed Combined(b) Owned(a) by the Owned(a) by the Company(a) Company(a) ------------ ------------ ------------- ------------ ------------ ------------- Ending consumer loan balances: Retail Services ------------------------------------------------------------------- Short-term loans $ 52,171 $ 7,134 $ 59,305 $ 53,601 $ 9,237 $ 62,838 Installment loans 11,246 9,395 20,641 9,262 7,425 16,687 ------------------------------------------------------------------- -------- ------- -------- -------- ------- -------- Total Retail Services, gross 63,417 16,529 79,946 62,863 16,662 79,525 ------------------------------------------------------------------- -------- ------- -------- -------- ------- -------- E-Commerce ------------------------------------------------------------------- Domestic Short-term loans 38,227 44,261 82,488 39,232 39,341 78,573 Line of credit 42,700 - 42,700 21,648 - 21,648 Installment loans 45,996 - 45,996 24,582 - 24,582 ------------------------------------------------------------------- -------- ------- -------- -------- ------- -------- Total Domestic, gross 126,923 44,261 171,184 85,462 39,341 124,803 ------------------------------------------------------------------- -------- ------- -------- -------- ------- -------- Foreign Short-term loans 108,899 3,946 112,845 101,723 3,420 105,143 Installment loans 75,882 - 75,882 35,802 - 35,802 ------------------------------------------------------------------- -------- ------- -------- -------- ------- -------- Total Foreign, gross 184,781 3,946 188,727 137,525 3,420 140,945 ------------------------------------------------------------------- -------- ------- -------- -------- ------- -------- Total E-Commerce, gross 311,704 48,207 359,911 222,987 42,761 265,748 ------------------------------------------------------------------- -------- ------- -------- -------- ------- -------- Total ending loan balance, gross 375,121 64,736 439,857 285,850 59,423 345,273 Less: Allowance and liabilities for losses (85,703) (3,498) (89,201) (63,072) (3,062) (66,134) ------------------------------------------------------------------- -------- ------- -------- -------- ------- -------- Total ending loan balance, net $ 289,418 $ 61,238 $ 350,656 $ 222,778 $ 56,361 $ 279,139 ------------------------------------------------------------------- ---- -------- ----- ------- ----- -------- ---- -------- ----- ------- ----- -------- Allowance and liability for losses as a % of combined consumer loan 22.8% 5.4% 20.3% 22.1% 5.2% 19.2% balances, gross(b) ------------------------------------------------------------------- -------- ------- -------- -------- ------- --------

View data
(a) GAAP measure. The consumer loan balances guaranteed by the Company
represent loans originated by third-party lenders through the
Company's credit services organization programs (the "CSO
programs"), so these balances are not recorded in the Company's
financial statements. However, the Company has established a
liability for estimated losses in support of its guarantee of these
loans, which is reflected in the table above and included in its
financial statements.
(b) Except for allowance and liability for estimated losses, amounts
represent non-GAAP measures.

(a) GAAP measure. The consumer loan balances guaranteed by the Company represent loans originated by third-party lenders through the Company's credit services organization programs (the "CSO programs"), so these balances are not recorded in the Company's financial statements. However, the Company has established a liability for estimated losses in support of its guarantee of these loans, which is reflected in the table above and included in its financial statements. (b) Except for allowance and liability for estimated losses, amounts represent non-GAAP measures.

View data
CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
CONSUMER LOAN FINANCIAL AND OPERATING DATA
(dollars in thousands, except where otherwise noted)
The following tables summarize the consumer loans written and
renewed for the three months and years ended December 31, 2012 and
2011 (dollars in thousands).
Three Months Ended December 31,
-------------------------------------------------------------------------------------------------
2012 2011
------------------------------------------------ ------------------------------------------------
Company Guaranteed Combined(a) Company Guaranteed Combined(a)
Owned(a) by the Owned(a) by the
Company(a)(b) Company(a)(b)
------------- ------------- -------------- ------------- ------------- --------------
Amount of consumer loans written
and renewed:
Retail Services
--------------------------------------------------
Short-term loans $ 198,645 $ 36,216 $ 234,861 $ 202,782 $ 46,079 $ 248,861
Installment loans 2,033 7,289 9,322 1,676 5,588 7,264
-------------------------------------------------- --------- ------- --------- --------- ------- ---------
Total Retail Services 200,678 43,505 244,183 204,458 51,667 256,125
-------------------------------------------------- --------- ------- --------- --------- ------- ---------
E-Commerce
--------------------------------------------------
Domestic
Short-term loans 83,447 206,169 289,616 97,552 189,585 287,137
Line of credit 33,681 - 33,681 20,029 - 20,029
Installment loans 32,244 - 32,244 14,270 - 14,270
-------------------------------------------------- --------- ------- --------- --------- ------- ---------
Total Domestic 149,372 206,169 355,541 131,851 189,585 321,436
-------------------------------------------------- --------- ------- --------- --------- ------- ---------
Foreign
Short-term loans 271,652 19,868 291,520 252,334 16,441 268,775
Installment loans 41,319 - 41,319 24,510 - 24,510
-------------------------------------------------- --------- ------- --------- --------- ------- ---------
Total Foreign 312,971 19,868 332,839 276,844 16,441 293,285
-------------------------------------------------- --------- ------- --------- --------- ------- ---------
Total E-Commerce 462,343 226,037 688,380 408,695 206,026 614,721
-------------------------------------------------- --------- ------- --------- --------- ------- ---------
Total amount of consumer loans written and renewed $ 663,021 $ 269,542 $ 932,563 $ 613,153 $ 257,693 $ 870,846
-------------------------------------------------- ---- --------- ------ ------- ----- --------- ---- --------- ------ ------- ----- ---------
Number of consumer loans written
and renewed:
Retail Services
--------------------------------------------------
Short-term loans 414,714 68,508 483,222 430,692 82,935 513,627
Installment loans 1,836 1,339 3,175 1,757 824 2,581
-------------------------------------------------- --------- ------- --------- --------- ------- ---------
Total Retail Services 416,550 69,847 486,397 432,449 83,759 516,208
-------------------------------------------------- --------- ------- --------- --------- ------- ---------
E-Commerce
--------------------------------------------------
Domestic
Short-term loans 277,756 279,905 557,661 288,098 265,007 553,105
Line of credit 126,292 - 126,292 72,157 - 72,157
Installment loans 30,017 - 30,017 11,521 - 11,521
-------------------------------------------------- --------- ------- --------- --------- ------- ---------
Total Domestic 434,065 279,905 713,970 371,776 265,007 636,783
-------------------------------------------------- --------- ------- --------- --------- ------- ---------
Foreign
Short-term loans 455,579 25,985 481,564 465,473 23,557 489,030
Installment loans 34,711 - 34,711 21,382 - 21,382
-------------------------------------------------- --------- ------- --------- --------- ------- ---------
Total Foreign 490,290 25,985 516,275 486,855 23,557 510,412
-------------------------------------------------- --------- ------- --------- --------- ------- ---------
Total E-Commerce 924,355 305,890 1,230,245 858,631 288,564 1,147,195
-------------------------------------------------- --------- ------- --------- --------- ------- ---------
Total number of consumer loans written and renewed 1,340,905 375,737 1,716,642 1,291,080 372,323 1,663,403
-------------------------------------------------- --------- ------- --------- --------- ------- ---------
(a)The disclosure regarding the amount and
number of consumer loans written and renewed is statistical data
that is
not included in the Company's financial
statements.
(b)Loans guaranteed by the Company
represent loans originated by third-party lenders through the CSO
programs.

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES CONSUMER LOAN FINANCIAL AND OPERATING DATA (dollars in thousands, except where otherwise noted) The following tables summarize the consumer loans written and renewed for the three months and years ended December 31, 2012 and 2011 (dollars in thousands). Three Months Ended December 31, ------------------------------------------------------------------------------------------------- 2012 2011 ------------------------------------------------ ------------------------------------------------ Company Guaranteed Combined(a) Company Guaranteed Combined(a) Owned(a) by the Owned(a) by the Company(a)(b) Company(a)(b) ------------- ------------- -------------- ------------- ------------- -------------- Amount of consumer loans written and renewed: Retail Services -------------------------------------------------- Short-term loans $ 198,645 $ 36,216 $ 234,861 $ 202,782 $ 46,079 $ 248,861 Installment loans 2,033 7,289 9,322 1,676 5,588 7,264 -------------------------------------------------- --------- ------- --------- --------- ------- --------- Total Retail Services 200,678 43,505 244,183 204,458 51,667 256,125 -------------------------------------------------- --------- ------- --------- --------- ------- --------- E-Commerce -------------------------------------------------- Domestic Short-term loans 83,447 206,169 289,616 97,552 189,585 287,137 Line of credit 33,681 - 33,681 20,029 - 20,029 Installment loans 32,244 - 32,244 14,270 - 14,270 -------------------------------------------------- --------- ------- --------- --------- ------- --------- Total Domestic 149,372 206,169 355,541 131,851 189,585 321,436 -------------------------------------------------- --------- ------- --------- --------- ------- --------- Foreign Short-term loans 271,652 19,868 291,520 252,334 16,441 268,775 Installment loans 41,319 - 41,319 24,510 - 24,510 -------------------------------------------------- --------- ------- --------- --------- ------- --------- Total Foreign 312,971 19,868 332,839 276,844 16,441 293,285 -------------------------------------------------- --------- ------- --------- --------- ------- --------- Total E-Commerce 462,343 226,037 688,380 408,695 206,026 614,721 -------------------------------------------------- --------- ------- --------- --------- ------- --------- Total amount of consumer loans written and renewed $ 663,021 $ 269,542 $ 932,563 $ 613,153 $ 257,693 $ 870,846 -------------------------------------------------- ---- --------- ------ ------- ----- --------- ---- --------- ------ ------- ----- --------- Number of consumer loans written and renewed: Retail Services -------------------------------------------------- Short-term loans 414,714 68,508 483,222 430,692 82,935 513,627 Installment loans 1,836 1,339 3,175 1,757 824 2,581 -------------------------------------------------- --------- ------- --------- --------- ------- --------- Total Retail Services 416,550 69,847 486,397 432,449 83,759 516,208 -------------------------------------------------- --------- ------- --------- --------- ------- --------- E-Commerce -------------------------------------------------- Domestic Short-term loans 277,756 279,905 557,661 288,098 265,007 553,105 Line of credit 126,292 - 126,292 72,157 - 72,157 Installment loans 30,017 - 30,017 11,521 - 11,521 -------------------------------------------------- --------- ------- --------- --------- ------- --------- Total Domestic 434,065 279,905 713,970 371,776 265,007 636,783 -------------------------------------------------- --------- ------- --------- --------- ------- --------- Foreign Short-term loans 455,579 25,985 481,564 465,473 23,557 489,030 Installment loans 34,711 - 34,711 21,382 - 21,382 -------------------------------------------------- --------- ------- --------- --------- ------- --------- Total Foreign 490,290 25,985 516,275 486,855 23,557 510,412 -------------------------------------------------- --------- ------- --------- --------- ------- --------- Total E-Commerce 924,355 305,890 1,230,245 858,631 288,564 1,147,195 -------------------------------------------------- --------- ------- --------- --------- ------- --------- Total number of consumer loans written and renewed 1,340,905 375,737 1,716,642 1,291,080 372,323 1,663,403 -------------------------------------------------- --------- ------- --------- --------- ------- --------- (a)The disclosure regarding the amount and number of consumer loans written and renewed is statistical data that is not included in the Company's financial statements. (b)Loans guaranteed by the Company represent loans originated by third-party lenders through the CSO programs.

View data
CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
CONSUMER LOAN FINANCIAL AND OPERATING DATA
(dollars in thousands, except where otherwise noted)
Year Ended December 31,
-----------------------------------------------------------------------------------------------------
2012 2011
-------------------------------------------------- --------------------------------------------------
Company Guaranteed Combined(a) Company Guaranteed Combined(a)
Owned(a) by the Owned(a) by the
Company(a)(b) Company(a)(b)
------------- --------------- -------------- ------------- --------------- --------------
Amount of consumer loans written
and renewed:
Retail Services
------------------------------------------------
Short-term loans $ 743,575 $ 145,221 $ 888,796 $ 736,964 $ 174,510 $ 911,474
Installment loans 7,723 17,902 25,625 8,256 15,781 24,037
--------------------------------------------------- --------- --------- --------- --------- --------- ---------
Total Retail Services 751,298 163,123 914,421 745,220 190,291 935,511
--------------------------------------------------- --------- --------- --------- --------- --------- ---------
E-Commerce
------------------------------------------------
Domestic
Short-term loans 331,754 747,533 1,079,287 376,041 681,009 1,057,050
Line of credit 116,360 - 116,360 57,012 - 57,012
Installment loans 89,598 - 89,598 42,532 - 42,532
--------------------------------------------------- --------- --------- --------- --------- --------- ---------
Total Domestic 537,712 747,533 1,285,245 475,585 681,009 1,156,594
--------------------------------------------------- --------- --------- --------- --------- --------- ---------
Foreign
Short-term loans 1,010,334 72,592 1,082,926 820,841 56,917 877,758
Installment loans 133,109 - 133,109 61,307 - 61,307
--------------------------------------------------- --------- --------- --------- --------- --------- ---------
Total Foreign 1,143,443 72,592 1,216,035 882,148 56,917 939,065
--------------------------------------------------- --------- --------- --------- --------- --------- ---------
Total E-Commerce 1,681,155 820,125 2,501,280 1,357,733 737,926 2,095,659
--------------------------------------------------- --------- --------- --------- --------- --------- ---------
Total amount of consumer loans written and renewed $ 2,432,453 $ 983,248 $ 3,415,701 $ 2,102,953 $ 928,217 $ 3,031,170
------------------------------------------------ ---- --------- ------ --------- ----- --------- ---- --------- ------ --------- ----- ---------
Number of consumer loans written
and renewed:
Retail Services
------------------------------------------------
Short-term loans 1,574,163 269,144 1,843,307 1,586,551 309,003 1,895,554
Installment loans 7,088 2,845 9,933 6,858 2,863 9,721
--------------------------------------------------- --------- --------- --------- --------- --------- ---------
Total Retail Services 1,581,251 271,989 1,853,240 1,593,409 311,866 1,905,275
--------------------------------------------------- --------- --------- --------- --------- --------- ---------
E-Commerce
------------------------------------------------
Domestic
Short-term loans 1,062,105 1,021,057 2,083,162 1,115,549 958,821 2,074,370
Line of credit 417,171 - 417,171 201,934 - 201,934
Installment loans 87,272 - 87,272 36,151 - 36,151
--------------------------------------------------- --------- --------- --------- --------- --------- ---------
Total Domestic 1,566,548 1,021,057 2,587,605 1,353,634 958,821 2,312,455
--------------------------------------------------- --------- --------- --------- --------- --------- ---------
Foreign
Short-term loans 1,815,420 95,630 1,911,050 1,543,453 84,897 1,628,350
Installment loans 115,250 - 115,250 53,567 - 53,567
--------------------------------------------------- --------- --------- --------- --------- --------- ---------
Total Foreign 1,930,670 95,630 2,026,300 1,597,020 84,897 1,681,917
--------------------------------------------------- --------- --------- --------- --------- --------- ---------
Total E-Commerce 3,497,218 1,116,687 4,613,905 2,950,654 1,043,718 3,994,372
--------------------------------------------------- --------- --------- --------- --------- --------- ---------
Total number of consumer loans written and renewed 5,078,469 1,388,676 6,467,145 4,544,063 1,355,584 5,899,647
------------------------------------------------ --------- --------- --------- --------- --------- ---------
(a) The disclosure regarding the amount and number of
consumer loans written and renewed is statistical data that
is
not included in the Company's financial statements.
(b) Loans guaranteed by the Company represent loans
originated by third-party lenders through the CSO programs.

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES CONSUMER LOAN FINANCIAL AND OPERATING DATA (dollars in thousands, except where otherwise noted) Year Ended December 31, ----------------------------------------------------------------------------------------------------- 2012 2011 -------------------------------------------------- -------------------------------------------------- Company Guaranteed Combined(a) Company Guaranteed Combined(a) Owned(a) by the Owned(a) by the Company(a)(b) Company(a)(b) ------------- --------------- -------------- ------------- --------------- -------------- Amount of consumer loans written and renewed: Retail Services ------------------------------------------------ Short-term loans $ 743,575 $ 145,221 $ 888,796 $ 736,964 $ 174,510 $ 911,474 Installment loans 7,723 17,902 25,625 8,256 15,781 24,037 --------------------------------------------------- --------- --------- --------- --------- --------- --------- Total Retail Services 751,298 163,123 914,421 745,220 190,291 935,511 --------------------------------------------------- --------- --------- --------- --------- --------- --------- E-Commerce ------------------------------------------------ Domestic Short-term loans 331,754 747,533 1,079,287 376,041 681,009 1,057,050 Line of credit 116,360 - 116,360 57,012 - 57,012 Installment loans 89,598 - 89,598 42,532 - 42,532 --------------------------------------------------- --------- --------- --------- --------- --------- --------- Total Domestic 537,712 747,533 1,285,245 475,585 681,009 1,156,594 --------------------------------------------------- --------- --------- --------- --------- --------- --------- Foreign Short-term loans 1,010,334 72,592 1,082,926 820,841 56,917 877,758 Installment loans 133,109 - 133,109 61,307 - 61,307 --------------------------------------------------- --------- --------- --------- --------- --------- --------- Total Foreign 1,143,443 72,592 1,216,035 882,148 56,917 939,065 --------------------------------------------------- --------- --------- --------- --------- --------- --------- Total E-Commerce 1,681,155 820,125 2,501,280 1,357,733 737,926 2,095,659 --------------------------------------------------- --------- --------- --------- --------- --------- --------- Total amount of consumer loans written and renewed $ 2,432,453 $ 983,248 $ 3,415,701 $ 2,102,953 $ 928,217 $ 3,031,170 ------------------------------------------------ ---- --------- ------ --------- ----- --------- ---- --------- ------ --------- ----- --------- Number of consumer loans written and renewed: Retail Services ------------------------------------------------ Short-term loans 1,574,163 269,144 1,843,307 1,586,551 309,003 1,895,554 Installment loans 7,088 2,845 9,933 6,858 2,863 9,721 --------------------------------------------------- --------- --------- --------- --------- --------- --------- Total Retail Services 1,581,251 271,989 1,853,240 1,593,409 311,866 1,905,275 --------------------------------------------------- --------- --------- --------- --------- --------- --------- E-Commerce ------------------------------------------------ Domestic Short-term loans 1,062,105 1,021,057 2,083,162 1,115,549 958,821 2,074,370 Line of credit 417,171 - 417,171 201,934 - 201,934 Installment loans 87,272 - 87,272 36,151 - 36,151 --------------------------------------------------- --------- --------- --------- --------- --------- --------- Total Domestic 1,566,548 1,021,057 2,587,605 1,353,634 958,821 2,312,455 --------------------------------------------------- --------- --------- --------- --------- --------- --------- Foreign Short-term loans 1,815,420 95,630 1,911,050 1,543,453 84,897 1,628,350 Installment loans 115,250 - 115,250 53,567 - 53,567 --------------------------------------------------- --------- --------- --------- --------- --------- --------- Total Foreign 1,930,670 95,630 2,026,300 1,597,020 84,897 1,681,917 --------------------------------------------------- --------- --------- --------- --------- --------- --------- Total E-Commerce 3,497,218 1,116,687 4,613,905 2,950,654 1,043,718 3,994,372 --------------------------------------------------- --------- --------- --------- --------- --------- --------- Total number of consumer loans written and renewed 5,078,469 1,388,676 6,467,145 4,544,063 1,355,584 5,899,647 ------------------------------------------------ --------- --------- --------- --------- --------- --------- (a) The disclosure regarding the amount and number of consumer loans written and renewed is statistical data that is not included in the Company's financial statements. (b) Loans guaranteed by the Company represent loans originated by third-party lenders through the CSO programs.

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
INCOME FROM OPERATIONS BY OPERATING SEGMENT
(dollars in thousands)
The following tables contain operating segment data for the three months and years ended December 31, 2012 and 2011 (dollars in thousands).

Corporate operations primarily include corporate expenses, such as personnel, legal, occupancy, and other costs related to corporate service functions, such as executive oversight, insurance and risk management, public and government relations, internal audit, treasury, payroll, compliance and licensing, finance, accounting, tax and information systems (except for online lending systems, which are included in the e-commerce segment). Corporate income includes miscellaneous income not directly attributable to the Company's segments. Corporate assets primarily include: corporate property and equipment, nonqualified savings plan assets, marketable securities, foreign exchange forward contracts and prepaid insurance.

View data
Retail Services E-Commerce
------------------------------------------- --------------------------------------
Domestic Foreign Total Domestic Foreign Total Corporate Consolidated
--------------- ------------- ------------- ------------- ------------ ----------- -------------- -----------------
Three Months Ended December 31, 2012
--------------------------------------------
Revenue
Pawn loan fees and service charges $ 77,354 $ 2,125 $ 79,479 $ - $ - $ - $ - $ 79,479
Proceeds from disposition of merchandise 175,546 10,389 185,935 - - - - 185,935
Consumer loan fees 32,496 - 32,496 100,484 89,884 190,368 - 222,864
Other 1,943 697 2,640 499 14 513 173 3,326
-------------------------------------------- --------- -------- --------- ------- ------- ------- -------- ---------
Total revenue 287,339 13,211 300,550 100,983 89,898 190,881 173 491,604
-------------------------------------------- --------- -------- --------- ------- ------- ------- -------- ---------
Cost of revenue
Disposed merchandise 118,311 8,990 127,301 - - - - 127,301
Consumer loan loss provision 10,095 - 10,095 47,532 39,588 87,120 - 97,215
-------------------------------------------- --------- -------- --------- ------- ------- ------- -------- ---------
Total cost of revenue 128,406 8,990 137,396 47,532 39,588 87,120 - 224,516
-------------------------------------------- --------- -------- --------- ------- ------- ------- -------- ---------
Net revenue 158,933 4,221 163,154 53,451 50,310 103,761 173 267,088
-------------------------------------------- --------- -------- --------- ------- ------- ------- -------- ---------
Expenses
Operations and administration 104,837 14,066 118,903 33,216 32,604 65,820 14,331 199,054
Depreciation and amortization 8,524 2,121 10,645 3,611 380 3,991 3,910 18,546
-------------------------------------------- --------- -------- --------- ------- ------- ------- -------- ---------
Total expenses 113,361 16,187 129,548 36,827 32,984 69,811 18,241 217,600
-------------------------------------------- --------- -------- --------- ------- ------- ------- -------- ---------
Income (loss) from operations $ 45,572 $ (11,966) $ 33,606 $ 16,624 $ 17,326 $ 33,950 $ (18,068) $ 49,488
------------------------------------------------ --------- --- -------- -- --------- ---- ------- --- ------- -- ------- ---- -------- ------ ---------
As of December 31, 2012
------------------------------------------
Total assets $ 1,031,431 $ 85,607 $ 1,117,038 $ 391,068 $ 179,554 $ 570,622 $ 130,598 $ 1,818,258
Goodwill $ 397,845 $ 210,371 $ 608,216

Retail Services E-Commerce ------------------------------------------- -------------------------------------- Domestic Foreign Total Domestic Foreign Total Corporate Consolidated --------------- ------------- ------------- ------------- ------------ ----------- -------------- ----------------- Three Months Ended December 31, 2012 -------------------------------------------- Revenue Pawn loan fees and service charges $ 77,354 $ 2,125 $ 79,479 $ - $ - $ - $ - $ 79,479 Proceeds from disposition of merchandise 175,546 10,389 185,935 - - - - 185,935 Consumer loan fees 32,496 - 32,496 100,484 89,884 190,368 - 222,864 Other 1,943 697 2,640 499 14 513 173 3,326 -------------------------------------------- --------- -------- --------- ------- ------- ------- -------- --------- Total revenue 287,339 13,211 300,550 100,983 89,898 190,881 173 491,604 -------------------------------------------- --------- -------- --------- ------- ------- ------- -------- --------- Cost of revenue Disposed merchandise 118,311 8,990 127,301 - - - - 127,301 Consumer loan loss provision 10,095 - 10,095 47,532 39,588 87,120 - 97,215 -------------------------------------------- --------- -------- --------- ------- ------- ------- -------- --------- Total cost of revenue 128,406 8,990 137,396 47,532 39,588 87,120 - 224,516 -------------------------------------------- --------- -------- --------- ------- ------- ------- -------- --------- Net revenue 158,933 4,221 163,154 53,451 50,310 103,761 173 267,088 -------------------------------------------- --------- -------- --------- ------- ------- ------- -------- --------- Expenses Operations and administration 104,837 14,066 118,903 33,216 32,604 65,820 14,331 199,054 Depreciation and amortization 8,524 2,121 10,645 3,611 380 3,991 3,910 18,546 -------------------------------------------- --------- -------- --------- ------- ------- ------- -------- --------- Total expenses 113,361 16,187 129,548 36,827 32,984 69,811 18,241 217,600 -------------------------------------------- --------- -------- --------- ------- ------- ------- -------- --------- Income (loss) from operations $ 45,572 $ (11,966) $ 33,606 $ 16,624 $ 17,326 $ 33,950 $ (18,068) $ 49,488 ------------------------------------------------ --------- --- -------- -- --------- ---- ------- --- ------- -- ------- ---- -------- ------ --------- As of December 31, 2012 ------------------------------------------ Total assets $ 1,031,431 $ 85,607 $ 1,117,038 $ 391,068 $ 179,554 $ 570,622 $ 130,598 $ 1,818,258 Goodwill $ 397,845 $ 210,371 $ 608,216

View data
Retail Services E-Commerce
---------------------------------------- --------------------------------------
Domestic Foreign Total Domestic Foreign Total Corporate Consolidated
------------- ------------ ------------- ------------- ------------ ----------- -------------- -----------------
Three Months Ended December 31, 2011
--------------------------------------------
Revenue
Pawn loan fees and service charges $ 71,420 $ 4,643 $ 76,063 $ - $ - $ - $ - $ 76,063
Proceeds from disposition of merchandise 200,953 14,243 215,196 - - - - 215,196
Consumer loan fees 33,360 - 33,360 72,909 73,855 146,764 - 180,124
Other 2,402 253 2,655 201 (545) (344) 263 2,574
-------------------------------------------- ------- ------- --------- ------- ------- ------- -------- ---------
Total revenue 308,135 19,139 327,274 73,110 73,310 146,420 263 473,957
-------------------------------------------- ------- ------- --------- ------- ------- ------- -------- ---------
Cost of revenue
Disposed merchandise 134,440 10,705 145,145 - - - - 145,145
Consumer loan loss provision 8,549 - 8,549 31,401 40,533 71,934 - 80,483
-------------------------------------------- ------- ------- --------- ------- ------- ------- -------- ---------
Total cost of revenue 142,989 10,705 153,694 31,401 40,533 71,934 - 225,628
------- ------- --------- ------- ------- ------- -------- ---------
Net revenue 165,146 8,434 173,580 41,709 32,777 74,486 263 248,329
-------------------------------------------- ------- ------- --------- ------- ------- ------- -------- ---------
Expenses
Operations and administration 89,495 8,269 97,764 26,095 25,545 51,640 16,251 165,655
Depreciation and amortization 6,806 1,412 8,218 2,457 232 2,689 3,642 14,549
-------------------------------------------- ------- ------- --------- ------- ------- ------- -------- ---------
Total expenses 96,301 9,681 105,982 28,552 25,777 54,329 19,893 180,204
-------------------------------------------- ------- ------- --------- ------- ------- ------- -------- ---------
Income (loss) from operations $ 68,845 $ (1,247) $ 67,598 $ 13,157 $ 7,000 $ 20,157 $ (19,630) $ 68,125
------------------------------------------------ ------- --- ------- -- --------- ---- ------- --- ------- -- ------- ---- -------- ------ ---------
As of December 31, 2011
------------------------------------------
Total assets $ 941,801 $ 117,470 $ 1,059,271 $ 352,244 $ 135,774 $ 488,018 $ 126,960 $ 1,674,249
Goodwill $ 352,439 $ 210,282 $ 562,721

Retail Services E-Commerce ---------------------------------------- -------------------------------------- Domestic Foreign Total Domestic Foreign Total Corporate Consolidated ------------- ------------ ------------- ------------- ------------ ----------- -------------- ----------------- Three Months Ended December 31, 2011 -------------------------------------------- Revenue Pawn loan fees and service charges $ 71,420 $ 4,643 $ 76,063 $ - $ - $ - $ - $ 76,063 Proceeds from disposition of merchandise 200,953 14,243 215,196 - - - - 215,196 Consumer loan fees 33,360 - 33,360 72,909 73,855 146,764 - 180,124 Other 2,402 253 2,655 201 (545) (344) 263 2,574 -------------------------------------------- ------- ------- --------- ------- ------- ------- -------- --------- Total revenue 308,135 19,139 327,274 73,110 73,310 146,420 263 473,957 -------------------------------------------- ------- ------- --------- ------- ------- ------- -------- --------- Cost of revenue Disposed merchandise 134,440 10,705 145,145 - - - - 145,145 Consumer loan loss provision 8,549 - 8,549 31,401 40,533 71,934 - 80,483 -------------------------------------------- ------- ------- --------- ------- ------- ------- -------- --------- Total cost of revenue 142,989 10,705 153,694 31,401 40,533 71,934 - 225,628 ------- ------- --------- ------- ------- ------- -------- --------- Net revenue 165,146 8,434 173,580 41,709 32,777 74,486 263 248,329 -------------------------------------------- ------- ------- --------- ------- ------- ------- -------- --------- Expenses Operations and administration 89,495 8,269 97,764 26,095 25,545 51,640 16,251 165,655 Depreciation and amortization 6,806 1,412 8,218 2,457 232 2,689 3,642 14,549 -------------------------------------------- ------- ------- --------- ------- ------- ------- -------- --------- Total expenses 96,301 9,681 105,982 28,552 25,777 54,329 19,893 180,204 -------------------------------------------- ------- ------- --------- ------- ------- ------- -------- --------- Income (loss) from operations $ 68,845 $ (1,247) $ 67,598 $ 13,157 $ 7,000 $ 20,157 $ (19,630) $ 68,125 ------------------------------------------------ ------- --- ------- -- --------- ---- ------- --- ------- -- ------- ---- -------- ------ --------- As of December 31, 2011 ------------------------------------------ Total assets $ 941,801 $ 117,470 $ 1,059,271 $ 352,244 $ 135,774 $ 488,018 $ 126,960 $ 1,674,249 Goodwill $ 352,439 $ 210,282 $ 562,721

View data
CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
INCOME FROM OPERATIONS BY OPERATING SEGMENT
(dollars in thousands)
Retail Services E-Commerce
------------------------------------------- --------------------------------------
Domestic Foreign Total Domestic Foreign Total Corporate Consolidated
--------------- ------------- ------------- ------------- ------------ ----------- -------------- -----------------
Year Ended December 31, 2012
--------------------------------------------
Revenue
Pawn loan fees and service charges $ 288,161 $ 12,768 $ 300,929 $ - $ - $ - $ - $ 300,929
Proceeds from disposition of merchandise 657,104 46,663 703,767 - - - - 703,767
Consumer loan fees 121,892 - 121,892 332,752 326,876 659,628 - 781,520
Other 9,028 1,209 10,237 1,326 33 1,359 2,618 14,214
-------------------------------------------- --------- -------- --------- ------- ------- ------- -------- ---------
Total revenue 1,076,185 60,640 1,136,825 334,078 326,909 660,987 2,618 1,800,430
-------------------------------------------- --------- -------- --------- ------- ------- ------- -------- ---------
Cost of revenue
Disposed merchandise 437,099 41,080 478,179 - - - - 478,179
Consumer loan loss provision 29,225 - 29,225 143,006 144,063 287,069 - 316,294
-------------------------------------------- --------- -------- --------- ------- ------- ------- -------- ---------
Total cost of revenue 466,324 41,080 507,404 143,006 144,063 287,069 - 794,473
-------------------------------------------- --------- -------- --------- ------- ------- ------- -------- ---------
Net revenue 609,861 19,560 629,421 191,072 182,846 373,918 2,618 1,005,957
-------------------------------------------- --------- -------- --------- ------- ------- ------- -------- ---------
Expenses
Operations and administration 369,174 44,287 413,461 116,202 118,156 234,358 66,795 714,614
Depreciation and amortization 30,978 16,634 47,612 11,987 1,285 13,272 14,544 75,428
-------------------------------------------- --------- -------- --------- ------- ------- ------- -------- ---------
Total expenses 400,152 60,921 461,073 128,189 119,441 247,630 81,339 790,042
-------------------------------------------- --------- -------- --------- ------- ------- ------- -------- ---------
Income (loss) from operations $ 209,709 $ (41,361) $ 168,348 $ 62,883 $ 63,405 $ 126,288 $ (78,721) $ 215,915
------------------------------------------------ --------- --- -------- -- --------- ---- ------- --- ------- -- ------- ---- -------- ------ ---------

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES INCOME FROM OPERATIONS BY OPERATING SEGMENT (dollars in thousands) Retail Services E-Commerce ------------------------------------------- -------------------------------------- Domestic Foreign Total Domestic Foreign Total Corporate Consolidated --------------- ------------- ------------- ------------- ------------ ----------- -------------- ----------------- Year Ended December 31, 2012 -------------------------------------------- Revenue Pawn loan fees and service charges $ 288,161 $ 12,768 $ 300,929 $ - $ - $ - $ - $ 300,929 Proceeds from disposition of merchandise 657,104 46,663 703,767 - - - - 703,767 Consumer loan fees 121,892 - 121,892 332,752 326,876 659,628 - 781,520 Other 9,028 1,209 10,237 1,326 33 1,359 2,618 14,214 -------------------------------------------- --------- -------- --------- ------- ------- ------- -------- --------- Total revenue 1,076,185 60,640 1,136,825 334,078 326,909 660,987 2,618 1,800,430 -------------------------------------------- --------- -------- --------- ------- ------- ------- -------- --------- Cost of revenue Disposed merchandise 437,099 41,080 478,179 - - - - 478,179 Consumer loan loss provision 29,225 - 29,225 143,006 144,063 287,069 - 316,294 -------------------------------------------- --------- -------- --------- ------- ------- ------- -------- --------- Total cost of revenue 466,324 41,080 507,404 143,006 144,063 287,069 - 794,473 -------------------------------------------- --------- -------- --------- ------- ------- ------- -------- --------- Net revenue 609,861 19,560 629,421 191,072 182,846 373,918 2,618 1,005,957 -------------------------------------------- --------- -------- --------- ------- ------- ------- -------- --------- Expenses Operations and administration 369,174 44,287 413,461 116,202 118,156 234,358 66,795 714,614 Depreciation and amortization 30,978 16,634 47,612 11,987 1,285 13,272 14,544 75,428 -------------------------------------------- --------- -------- --------- ------- ------- ------- -------- --------- Total expenses 400,152 60,921 461,073 128,189 119,441 247,630 81,339 790,042 -------------------------------------------- --------- -------- --------- ------- ------- ------- -------- --------- Income (loss) from operations $ 209,709 $ (41,361) $ 168,348 $ 62,883 $ 63,405 $ 126,288 $ (78,721) $ 215,915 ------------------------------------------------ --------- --- -------- -- --------- ---- ------- --- ------- -- ------- ---- -------- ------ ---------

View data
Retail Services E-Commerce
------------------------------------------ --------------------------------------
Domestic Foreign Total Domestic Foreign Total Corporate Consolidated
--------------- ------------ ------------- ------------- ------------ ----------- -------------- -----------------
Year Ended December 31, 2011
--------------------------------------------
Revenue
Pawn loan fees and service charges $ 261,829 $ 20,368 $ 282,197 $ - $ - $ - $ - $ 282,197
Proceeds from disposition of merchandise 636,698 52,156 688,854 30 - 30 - 688,884
Consumer loan fees 119,192 - 119,192 254,152 225,302 479,454 - 598,646
Other 11,170 545 11,715 593 286 879 743 13,337
-------------------------------------------- --------- ------- --------- ------- ------- ------- -------- ---------
Total revenue 1,028,889 73,069 1,101,958 254,775 225,588 480,363 743 1,583,064
-------------------------------------------- --------- ------- --------- ------- ------- ------- -------- ---------
Cost of revenue
Disposed merchandise 405,132 42,462 447,594 23 - 23 - 447,617
Consumer loan loss provision 24,001 - 24,001 90,535 111,152 201,687 - 225,688
-------------------------------------------- --------- ------- --------- ------- ------- ------- -------- ---------
Total cost of revenue 429,133 42,462 471,595 90,558 111,152 201,710 - 673,305
-------------------------------------------- --------- ------- --------- ------- ------- ------- -------- ---------
Net revenue 599,756 30,607 630,363 164,217 114,436 278,653 743 909,759
-------------------------------------------- --------- ------- --------- ------- ------- ------- -------- ---------
Expenses
Operations and administration 339,247 33,604 372,851 88,577 84,544 173,121 65,296 611,268
Depreciation and amortization 26,165 5,871 32,036 10,413 850 11,263 10,850 54,149
-------------------------------------------- --------- ------- --------- ------- ------- ------- -------- ---------
Total expenses 365,412 39,475 404,887 98,990 85,394 184,384 76,146 665,417
-------------------------------------------- --------- ------- --------- ------- ------- ------- -------- ---------
Income (loss) from operations $ 234,344 $ (8,868) $ 225,476 $ 65,227 $ 29,042 $ 94,269 $ (75,403) $ 244,342
------------------------------------------------ --------- --- ------- -- --------- ---- ------- --- ------- -- ------- ---- -------- ------ ---------

Retail Services E-Commerce ------------------------------------------ -------------------------------------- Domestic Foreign Total Domestic Foreign Total Corporate Consolidated --------------- ------------ ------------- ------------- ------------ ----------- -------------- ----------------- Year Ended December 31, 2011 -------------------------------------------- Revenue Pawn loan fees and service charges $ 261,829 $ 20,368 $ 282,197 $ - $ - $ - $ - $ 282,197 Proceeds from disposition of merchandise 636,698 52,156 688,854 30 - 30 - 688,884 Consumer loan fees 119,192 - 119,192 254,152 225,302 479,454 - 598,646 Other 11,170 545 11,715 593 286 879 743 13,337 -------------------------------------------- --------- ------- --------- ------- ------- ------- -------- --------- Total revenue 1,028,889 73,069 1,101,958 254,775 225,588 480,363 743 1,583,064 -------------------------------------------- --------- ------- --------- ------- ------- ------- -------- --------- Cost of revenue Disposed merchandise 405,132 42,462 447,594 23 - 23 - 447,617 Consumer loan loss provision 24,001 - 24,001 90,535 111,152 201,687 - 225,688 -------------------------------------------- --------- ------- --------- ------- ------- ------- -------- --------- Total cost of revenue 429,133 42,462 471,595 90,558 111,152 201,710 - 673,305 -------------------------------------------- --------- ------- --------- ------- ------- ------- -------- --------- Net revenue 599,756 30,607 630,363 164,217 114,436 278,653 743 909,759 -------------------------------------------- --------- ------- --------- ------- ------- ------- -------- --------- Expenses Operations and administration 339,247 33,604 372,851 88,577 84,544 173,121 65,296 611,268 Depreciation and amortization 26,165 5,871 32,036 10,413 850 11,263 10,850 54,149 -------------------------------------------- --------- ------- --------- ------- ------- ------- -------- --------- Total expenses 365,412 39,475 404,887 98,990 85,394 184,384 76,146 665,417 -------------------------------------------- --------- ------- --------- ------- ------- ------- -------- --------- Income (loss) from operations $ 234,344 $ (8,868) $ 225,476 $ 65,227 $ 29,042 $ 94,269 $ (75,403) $ 244,342 ------------------------------------------------ --------- --- ------- -- --------- ---- ------- --- ------- -- ------- ---- -------- ------ ---------

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
LOCATION INFORMATION
Retail Services Segment

The following table sets forth the number of domestic and foreign Company-owned and franchised locations in the Company's retail services segment offering pawn lending, consumer lending, and other services as of December 31, 2012 and 2011. The Company's domestic retail services locations operate under the names "Cash America Pawn," "SuperPawn," "Cash America Payday Advance," "Cashland" and "Mr. Payroll." In addition, certain recently acquired domestic retail services locations operate under various names that are expected be changed to "Cash America Pawn" during 2013. The Company's foreign retail services locations operate under the name "Cash America casa de empeno" (previously operated under the name "Prenda Facil").

View data
As of December 31,
------------------------------------------------------------
2012 2011
---------------------------- -------------------------------
Domestic(a) Foreign Total Domestic(a)(b) Foreign Total
----------- ------- ----- -------------- ------- -----
Retail services locations offering:
Both pawn and consumer 581 - 581 572 - 572
lending
Pawn lending only 167 47 214 126 190 316
Consumer lending only 83 - 83 86 - 86
Other (c) 91 - 91 110 - 110
----------------------------------- ----------- ------- ----- -------------- ------- -----
Total retail services 922 47 969 894 190 1,084
----------------------------------- ----------- ------- ----- -------------- ------- -----

As of December 31, ------------------------------------------------------------ 2012 2011 ---------------------------- ------------------------------- Domestic(a) Foreign Total Domestic(a)(b) Foreign Total ----------- ------- ----- -------------- ------- ----- Retail services locations offering: Both pawn and consumer 581 - 581 572 - 572 lending Pawn lending only 167 47 214 126 190 316 Consumer lending only 83 - 83 86 - 86 Other (c) 91 - 91 110 - 110 ----------------------------------- ----------- ------- ----- -------------- ------- ----- Total retail services 922 47 969 894 190 1,084 ----------------------------------- ----------- ------- ----- -------------- ------- -----

View data
(a) Except as described in (c) below, includes locations that operate in
22 and 23 states in the United States as of December 31, 2012 and
2011, respectively.
(b) Includes one unconsolidated franchised location operating under the
name "Cash America Pawn" at December 31, 2011.
(c) As of December 31, 2012 and 2011, includes zero and six consolidated
Company-owned check cashing locations, respectively, and 91 and 104
unconsolidated franchised check cashing locations, respectively. As
of December 31, 2012 and 2011, includes locations that operate in 15
and 18 states in the United States, respectively.

(a) Except as described in (c) below, includes locations that operate in 22 and 23 states in the United States as of December 31, 2012 and 2011, respectively. (b) Includes one unconsolidated franchised location operating under the name "Cash America Pawn" at December 31, 2011. (c) As of December 31, 2012 and 2011, includes zero and six consolidated Company-owned check cashing locations, respectively, and 91 and 104 unconsolidated franchised check cashing locations, respectively. As of December 31, 2012 and 2011, includes locations that operate in 15 and 18 states in the United States, respectively.

E-Commerce Segment

As of December 31, 2012 and 2011, the Company's e-commerce segment operated in 32 states in the United States and in three other foreign countries:

-- in the United States at http://www.cashnetusa.com and http://www.netcredit.com,

-- in the United Kingdom at http://www.quickquid.co.uk and http://www.poundstopocket.co.uk,

-- in Australia at http://www.dollarsdirect.com.au, and

-- in Canada at http://www.dollarsdirect.ca.

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
NON-GAAP DISCLOSURE
ADJUSTED EARNINGS AND ADJUSTED EARNINGS PER SHARE
Adjusted Earnings and Adjusted Earnings Per Share

In addition to reporting financial results in accordance with GAAP, the Company has provided adjusted earnings and adjusted earnings per share, which are non-GAAP measures. Management believes that the presentation of these measures provides investors with greater transparency and facilitates comparison of operating results across a broad spectrum of companies with varying capital structures, compensation strategies, derivative instruments and amortization methods, which provides a more complete understanding of the Company's financial performance, competitive position and prospects for the future. Management also believes that investors regularly rely on non-GAAP financial measures, such as adjusted earnings and adjusted earnings per share, to assess operating performance and that such measures may highlight trends in the Company's business that may not otherwise be apparent when relying on financial measures calculated in accordance with GAAP. In addition, management believes that the adjustments shown below, especially the adjustments for events that occurred during the three months and year ended December 31, 2012, such as the reorganization of the Company's Mexico-based pawn operations ("Mexico Reorganization"), the withdrawal of the proposed initial public offering of the Company's wholly-owned subsidiary, Enova International, Inc. ("Proposed Enova IPO"), and the charges related to the Company's voluntary reimbursements to Ohio customers ("Ohio Reimbursements") are useful to investors in order to allow them to compare the Company's financial results for the current quarter with the previous periods shown.

The following table provides a reconciliation between net income and diluted earnings per share attributable to the Company calculated in accordance with GAAP to adjusted earnings and adjusted earnings per share, respectively, which are shown net of tax (dollars in thousands, except per share data):

View data
Three Months Ended Year Ended
December 31, December 31,
-------------------------------------- ----------------------------------------
2012 2011 2012 2011
------------------ ------------------ ----------------- -----------------
Net income and diluted earnings per share attributable $ 24,480 $ 0.79 $ 37,827 $ 1.18 $ 107,470 $ 3.42 $ 135,963 $ 4.25
to Cash America International, Inc.
Charges related to withdrawn Proposed Enova IPO(a) - - - - 2,424 0.07 - -
Charges related to Mexico Reorganization, 6,965 0.23 - - 25,421 0.81 - -
net of noncontrolling interest(b)
Charges related to Ohio Reimbursements(c) 8,442 0.27 - - 8,442 0.27 - -
------------------------------------------------------ ------ ---- ------ ---- ------- ---- ------- ----
Subtotal 39,887 1.29 37,827 1.18 143,757 4.57 135,963 4.25
------------------------------------------------------ ------ ---- ------ ---- ------- ---- ------- ----
Intangible asset amortization 740 0.03 885 0.03 2,791 0.09 3,905 0.12
Non-cash equity-based compensation 515 0.02 619 0.02 3,007 0.10 3,064 0.10
Convertible debt non-cash interest and issuance 612 0.02 566 0.02 2,386 0.07 2,214 0.07
cost amortization
Foreign currency transaction (gain) loss 151 - 128 - 196 0.01 786 0.02
------------------------------------------------------ ------ ---- ------ ---- ------- ---- ------- ----
Adjusted earnings and adjusted earnings per share $ 41,905 1.36 $ 40,025 $ 1.25 $ 152,137 $ 4.84 $ 145,932 $ 4.56
------------------------------------------------------ - ------ ---- - ------ - ---- - ------- - ---- - ------- - ----

Three Months Ended Year Ended December 31, December 31, -------------------------------------- ---------------------------------------- 2012 2011 2012 2011 ------------------ ------------------ ----------------- ----------------- Net income and diluted earnings per share attributable $ 24,480 $ 0.79 $ 37,827 $ 1.18 $ 107,470 $ 3.42 $ 135,963 $ 4.25 to Cash America International, Inc. Charges related to withdrawn Proposed Enova IPO(a) - - - - 2,424 0.07 - - Charges related to Mexico Reorganization, 6,965 0.23 - - 25,421 0.81 - - net of noncontrolling interest(b) Charges related to Ohio Reimbursements(c) 8,442 0.27 - - 8,442 0.27 - - ------------------------------------------------------ ------ ---- ------ ---- ------- ---- ------- ---- Subtotal 39,887 1.29 37,827 1.18 143,757 4.57 135,963 4.25 ------------------------------------------------------ ------ ---- ------ ---- ------- ---- ------- ---- Intangible asset amortization 740 0.03 885 0.03 2,791 0.09 3,905 0.12 Non-cash equity-based compensation 515 0.02 619 0.02 3,007 0.10 3,064 0.10 Convertible debt non-cash interest and issuance 612 0.02 566 0.02 2,386 0.07 2,214 0.07 cost amortization Foreign currency transaction (gain) loss 151 - 128 - 196 0.01 786 0.02 ------------------------------------------------------ ------ ---- ------ ---- ------- ---- ------- ---- Adjusted earnings and adjusted earnings per share $ 41,905 1.36 $ 40,025 $ 1.25 $ 152,137 $ 4.84 $ 145,932 $ 4.56 ------------------------------------------------------ - ------ ---- - ------ - ---- - ------- - ---- - ------- - ----

View data
(a) Represents charges directly related to the Proposed Enova IPO that
was withdrawn in July 2012. For the year ended December 31, 2012,
represents $3.9 million of charges, net tax benefit of $1.5
million.
(b) Represents charges related to the Mexico Reorganization. For the
three months ended December 31, 2012, represents $7.0 million of
charges. For the year ended December 31, 2012, represents $28.9
million of charges, net tax benefit of $1.2 million and
noncontrolling interest of $2.3 million.
(c) Represents charges related to the Ohio Reimbursements. For the
three months and year ended December 31, 2012, represents $13.4
million of charges, net tax benefit of $5.0 million.

(a) Represents charges directly related to the Proposed Enova IPO that was withdrawn in July 2012. For the year ended December 31, 2012, represents $3.9 million of charges, net tax benefit of $1.5 million. (b) Represents charges related to the Mexico Reorganization. For the three months ended December 31, 2012, represents $7.0 million of charges. For the year ended December 31, 2012, represents $28.9 million of charges, net tax benefit of $1.2 million and noncontrolling interest of $2.3 million. (c) Represents charges related to the Ohio Reimbursements. For the three months and year ended December 31, 2012, represents $13.4 million of charges, net tax benefit of $5.0 million.

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
NON-GAAP DISCLOSURE
ADJUSTED EBITDA
Adjusted EBITDA

The table below shows adjusted EBITDA, a non-GAAP measure that the Company defines as earnings excluding depreciation, amortization, interest, foreign currency transaction gains or losses, equity in earnings or loss of unconsolidated subsidiary, taxes and including the net income or loss attributable to noncontrolling interests. Management believes adjusted EBITDA is used by investors to analyze operating performance and evaluate the Company's ability to incur and service debt and its capacity for making capital expenditures. Adjusted EBITDA is also useful to investors to help assess the Company's liquidity and estimated enterprise value. The computation of adjusted EBITDA as presented below may differ from the computation of similarly-titled measures provided by other companies (dollars in thousands):

View data
Year Ended December 31,
-------------------------------------
2012 2011
------------------ ------------------
Net income attributable to Cash America International, Inc. $ 107,470 $ 135,963
Adjustments:
Depreciation and amortization expenses 75,428 54,149
Interest expense, net 28,987 25,447
Foreign currency transaction loss 313 1,265
Equity in loss of unconsolidated subsidiary 295 104
Provision for income taxes 84,656 82,360
Net loss attributable to the noncontrolling interest (5,806) (797)
----------------------------------------------------------- --------- ---------
Adjusted EBITDA $ 291,343 $ 298,491
----------------------------------------------------------- --- --------- --- ---------
Adjusted EBITDA margin calculated as follows:
Total revenue $ 1,800,430 $ 1,583,064
Adjusted EBITDA 291,343 298,491
----------------------------------------------------------- --------- ---------
Adjusted EBITDA as a percentage of total revenue 16.2% 18.9%
----------------------------------------------------------- --------- ---------

Year Ended December 31, ------------------------------------- 2012 2011 ------------------ ------------------ Net income attributable to Cash America International, Inc. $ 107,470 $ 135,963 Adjustments: Depreciation and amortization expenses 75,428 54,149 Interest expense, net 28,987 25,447 Foreign currency transaction loss 313 1,265 Equity in loss of unconsolidated subsidiary 295 104 Provision for income taxes 84,656 82,360 Net loss attributable to the noncontrolling interest (5,806) (797) ----------------------------------------------------------- --------- --------- Adjusted EBITDA $ 291,343 $ 298,491 ----------------------------------------------------------- --- --------- --- --------- Adjusted EBITDA margin calculated as follows: Total revenue $ 1,800,430 $ 1,583,064 Adjusted EBITDA 291,343 298,491 ----------------------------------------------------------- --------- --------- Adjusted EBITDA as a percentage of total revenue 16.2% 18.9% ----------------------------------------------------------- --------- ---------

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
NON-GAAP DISCLOSURE
Non-GAAP Disclosure

In addition to the financial information prepared in conformity with GAAP the Company provides historical non-GAAP financial information. Management believes that presentation of non-GAAP financial information is meaningful and useful in understanding the activities and business metrics of the Company's operations. Management believes that these non-GAAP financial measures reflect an additional way of viewing aspects of the Company's business that, when viewed with its GAAP results, provide a more complete understanding of factors and trends affecting its business.

Management provides non-GAAP financial information for informational purposes and to enhance understanding of the Company's GAAP consolidated financial statements. Readers should consider the information in addition to, but not instead of or superior to, its financial statements prepared in accordance with GAAP. This non-GAAP financial information may be determined or calculated differently by other companies, limiting the usefulness of those measures for comparative purposes.

http://cts.businesswire.com/ct/CT?id=bwnews&sty=20130124005425r1&sid=cmtx4&distro=nx

SOURCE: Cash America International, Inc.

Cash America International, Inc.
Thomas A. Bessant, Jr., 817-335-1100

Cash America Announces Third Quarter Net Income and Dividend Declared

Oct 25, 2012 06:00:14 (ET)

FORT WORTH, Texas, Oct 25, 2012 (BUSINESS WIRE) -- Cash America International, Inc. (CSH, Trade ) announced today that net income attributable to the Company for the third quarter of 2012 was $11,703,000 (37 cents per share), compared to the third quarter of 2011 net income of $34,777,000 ($1.08 per share). The third quarter results included unusual items which reduced net income and earnings per share by $20.4 million and 65 cents per share, respectively. Excluding the impact of these unusual expenses, third quarter adjusted earnings, a non-GAAP measure, would have been $32.1 million ($1.02 per share), which is at the high end of management's publicly released earnings per share guidance of between 95 cents per share and $1.05 per share as reported in the Company's press release dated July 26, 2012 and above analysts' consensus estimates of 95 cents per share as reported by Thomson Reuters. The unusual items included $18.5 million (59 cents per share) in after tax costs associated with the Company's previously announced reorganization of its Mexico-based pawn operations that operate under the name Prenda Facil and $1.9 million (6 cents per share) after taxes related to the write off of deferred costs and transition expenses associated with the announced withdrawal of the proposed initial public offering of Enova International, Inc. in late July of 2012.

Consolidated total revenue increased 10% during the third quarter of 2012 to $439.7 million, up from $398.3 million during the same period in 2011. Contributing to the increase in total revenue was an increase in consumer loan fees from the Company's E-Commerce segment. Revenue from online consumer loan fees rose 33% during the third quarter of 2012, to $173.6 million, due to higher demand in the United States and continued growth in foreign markets during the quarter.

For the nine-month period ended September 30, 2012, the Company reported net income of $82,990,000 ($2.62 per share) compared to $98,136,000 ($3.07 per share) for the same period in 2011. When adding back the unusual items discussed above, adjusted earnings, a non-GAAP measure, would have been $103.4 million and adjusted earnings per share, a non-GAAP measure, would have been $3.27 per share for the nine-month period ended September 30, 2012, up 7% for the period. Total revenue increased 18% to $1.3 billion for the nine-month period ended September 30, 2012, up from $1.1 billion for the same period in 2011.

Commenting on the results for the third quarter, Daniel R. Feehan, President and Chief Executive Officer said, "We entered the third quarter keenly aware of the challenging environment but determined to make advances on a variety of important initiatives to position the Company for next year. We recently announced that the Company has entered into agreements to add 34 pawn lending locations in the United States through two independent transactions, one of which was substantially completed during the quarter, and we began implementing a new strategy for our Mexico-based pawn lending locations to focus on full-format pawn locations and place more emphasis on lending activities secured by general merchandise. We believe these developments plus the continued growth of our E-Commerce segment will set the stage for fiscal 2013."

Cash America will host a conference call to discuss the third quarter results on Thursday, October 25, at 7:00 AM CDT. A live webcast of the call will be available on the Investor Relations section of the Company's corporate website ( http://www.cashamerica.com ). To listen to the live call, please go to the website at least fifteen minutes early to register, download, and install any necessary audio software. A replay will be available on the Company's website following the call.

Additionally, the Company announced that the Board of Directors, at its regularly scheduled quarterly meeting, declared a $0.035 (3.5 cents) per share cash dividend on common stock outstanding. The dividend will be paid at the close of business on November 21, 2012 to shareholders of record on November 7, 2012.

Outlook for the Fourth Quarter of 2012 and 2013 Fiscal Year

Management believes that the opportunities for growth in revenue and earnings will be largely associated with customer demand for the credit products provided by the Company, which take the form of pawn loans and consumer loans and the disposition of unredeemed collateral by way of consumer spending on retail sales and the commercial sale of refined gold and diamonds. The fourth quarter, during the seasonally important holiday selling season, represents an important period of retail sales for the Company, and results will be affected by consumer sentiments during the period. There are various other elements that could affect the growth in revenue, such as the regulatory governance of consumer loan products and the development and growth of new and foreign markets for the Company's e-commerce distribution platform for consumer lending products, as well as developments related to the reorganization of the Company's Mexico-based pawn operations. As the Company enters the fourth quarter of 2012, management anticipates that demand for the Company's consumer loan products will continue on a similar pace to the one it has experienced during the first nine months of 2012 with a continued heavier weighting to the international portfolio. Demand for the Company's pawn lending products has proven more challenging in the second and third quarters of 2012, and management expects growth in the Company's pawn lending business, but remains conservative in its expectations for the balance of 2012.

Based on management's views and on the preceding factors, management expects the fourth quarter 2012 net income per share to be between $1.15 and $1.25 per share compared to $1.18 per share in the fourth quarter of 2011, which does not include costs and other charges expected to be incurred in the fourth quarter associated with the Company's previously announced reorganization of its Mexico-based pawn operations (estimated to be between 19 cents and 32 cents per share). Based on the Company's growth through the first nine months of 2012, which produced earnings per share of $2.62 ($3.27 per share on a non-GAAP adjusted basis, adding back the unusual items discussed above of 65 cents per share in the third quarter), and factors noted above, management expects its fiscal year 2012 earnings per share to be in a range of between $3.77 and $3.87 per share ($4.42 and $4.52 per share on a non-GAAP adjusted basis, adjusted for the third quarter unusual items but excluding the unusual items expected to be incurred in the fourth quarter, as noted above), compared to $4.25 per share in fiscal 2011.

In addition, management is initiating its expectations for fiscal year 2013. Based on its current views of the coming year, management establishes its initial anticipated range of earnings per share of between $4.75 to $5.15 for fiscal 2013.

About the Company

As of September 30, 2012, Cash America International, Inc. operated 1,074 total locations offering specialty financial services to consumers, which included the following:

-- 815 lending locations (including one unconsolidated franchised location) in 23 states in the United States under the names "Cash America Pawn," "SuperPawn," "Cash America Payday Advance," and "Cashland;"

-- 160 pawn lending locations in central and southern Mexico under the name "Prenda Facil;"

-- 99 check cashing centers (including 93 unconsolidated franchised and six Company-owned check cashing centers) operating in 15 states in the United States under the name "Mr. Payroll."

Additionally, as of September 30, 2012, the Company offered consumer loans over the Internet to customers:

-- in 32 states in the United States at http://www.cashnetusa.com and http://www.netcredit.com ;

-- in the United Kingdom at http://www.quickquid.co.uk and http://www.poundstopocket.co.uk ;

-- in Australia at http://www.dollarsdirect.com.au ; and

-- in Canada at http://www.dollarsdirect.ca .

For additional information regarding the Company and the services it provides, visit the Company's websites located at:

http://www.cashamerica.com

http://www.poundstopocket.co.uk


http://www.enova.com

http://www.dollarsdirect.com.au


http://www.cashnetusa.com

http://www.dollarsdirect.ca


http://www.netcredit.com

http://www.goldpromise.com


http://www.cashlandloans.com

http://www.mrpayroll.com


http://www.quickquid.co.uk

http://www.primaryinnovations.net


A reconciliation of adjusted earnings and adjusted earnings per share, which are non-GAAP measures, for the three- and nine-month periods ended September 30, 2012 discussed above is included in the attachments to this press release.

Safe Harbor Statement under the Private Securities Litigation Reform Act of 1995

This release contains forward-looking statements about the business, financial condition and prospects of the Company. The actual results of the Company could differ materially from those indicated by the forward-looking statements because of various risks and uncertainties including, without limitation: changes in domestic and foreign pawn, consumer credit, tax and other laws and governmental rules and regulations applicable to the Company's business or changes in the interpretation or enforcement thereof; the anticipated regulation of consumer financial products and services by the Consumer Financial Protection Bureau; acceptance by consumers, legislators or regulators of the negative characterization by the media and consumer activists with respect to certain of the Company's loan products; the reorganization of the Company's Mexico-based pawn operations; the deterioration of the political, regulatory or economic environment in foreign countries where the Company operates or in the future may operate; the actions of third parties who provide, acquire or offer products and services to, from or for the Company; changes in demand for the Company's services and the continued acceptance of the online distribution channel by the Company's online loan customers; fluctuations in the price of gold or a deterioration in economic conditions; changes in competition; the ability of the Company to open new locations in accordance with its plans or to successfully integrate newly acquired businesses into the Company's operations; interest rate and foreign currency exchange rate fluctuations; the effect of any current or future litigation proceedings or any judicial decisions or rule-making that affect the Company's arbitration agreements; changes in the capital markets; changes in the Company's ability to satisfy its debt obligations or to refinance existing debt obligations or obtain new capital to finance growth; a prolonged interruption in the Company's operations of its facilities, systems and business functions, including its information technology and other business systems; security breaches, cyber attacks or fraudulent activity; the implementation of new, or changes in the interpretation of existing, accounting principles or financial reporting requirements; acts of God, war or terrorism, pandemics and other events; the effect of any of such changes on the Company's business or the markets in which it operates; and other risks and uncertainties indicated in the Company's filings with the Securities and Exchange Commission. These risks and uncertainties are beyond the ability of the Company to control, nor can the Company predict, in many cases, all of the risks and uncertainties that could cause its actual results to differ materially from those indicated by the forward-looking statements. When used in this release, terms such as "believes," "estimates," "should," "could," "would," "plans," "expects," "anticipates," "may," "forecasts," "projects" and similar expressions and variations as they relate to the Company or its management are intended to identify forward-looking statements. The Company disclaims any intention or obligation to update or revise any forward-looking statements to reflect events or circumstances occurring after the date of this release.

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
HIGHLIGHTS OF CONSOLIDATED RESULTS OF OPERATIONS
(dollars in thousands, except per share data)
(Unaudited)
Three Months Ended Nine Months Ended
September 30, September 30,
--------------------------- --------------------------
2012 2011 2012 2011
------------- ------------- --------- ---------
Consolidated Operations:
Total revenue $ 439,694 $ 398,304 $ 1,308,826 $ 1,109,107
Net revenue 248,477 235,454 738,869 661,430
Total expenses 208,289 172,289 572,442 485,213
----------------------------------------------------------- ------- ------- --------- ---------
Income from Operations $ 40,188 $ 63,165 $ 166,427 $ 176,217
Income before income taxes 33,046 55,503 145,160 156,838
----------------------------------------------------------- ------- ------- --------- ---------
Net Income $ 7,930 $ 34,529 $ 77,673 $ 97,561
----------------------------------------------------------- ---- ------- ---- ------- ---- --------- ---- ---------
Net loss attributable to the noncontrolling interest 3,773 248 5,317 575
----------------------------------------------------------- ------- ------- --------- ---------
Net Income Attributable to Cash America International, Inc. $ 11,703 $ 34,777 $ 82,990 $ 98,136
----------------------------------------------------------- ---- ------- ---- ------- ---- --------- ---- ---------
Earnings per share:
Net Income attributable to Cash America International, Inc.
common shareholders:
Basic $ 0.40 $ 1.18 $ 2.80 $ 3.31
Diluted $ 0.37 $ 1.08 $ 2.62 $ 3.07
Weighted average common shares outstanding:
Basic 29,536 29,535 29,599 29,626
Diluted 31,375 32,248 31,643 31,969

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS
(dollars in thousands, except per share data)
(Unaudited)
September 30, December 31,
----------------------- -----------------
2012 2011 2011
--------- --------- -----------------
Assets
Current assets:
Cash and cash equivalents $ 78,663 $ 54,364 $ 62,542
Pawn loans 254,077 244,441 253,519
Consumer loans, net 256,825 191,642 222,778
Merchandise held for disposition, net 171,285 166,365 161,884
Pawn loan fees and service charges receivable 48,771 45,066 48,003
Income taxes receivable 684 - -
Prepaid expenses and other assets 36,912 32,095 31,301
Deferred tax assets 39,826 29,070 35,065
---------------------------------------------------------------------- --------- --------- ---------
Total current assets 887,043 763,043 815,092
Property and equipment, net 258,214 236,325 246,429
Goodwill 599,337 538,169 562,721
Intangible assets, net 34,877 26,668 34,771
Other assets 12,936 13,948 15,236
---------------------------------------------------------------------- --------- --------- ---------
Total assets $ 1,792,407 $ 1,578,153 $ 1,674,249
---------------------------------------------------------------------- - --------- - --------- ------ ---------
Liabilities and Equity
Current liabilities:
Accounts payable and accrued expenses $ 109,986 $ 95,574 $ 113,113
Customer deposits 12,944 10,588 9,935
Income taxes currently payable - 10,520 12,880
Current portion of long-term debt 44,205 21,856 34,273
---------------------------------------------------------------------- --------- --------- ---------
Total current liabilities 167,135 138,538 170,201
Deferred tax liabilities 102,048 88,980 89,712
Noncurrent income tax payable 2,697 2,343 2,315
Other liabilities 1,007 1,522 1,413
Long-term debt 545,258 470,124 503,018
---------------------------------------------------------------------- --------- --------- ---------
Total liabilities $ 818,145 $ 701,507 $ 766,659
---------------------------------------------------------------------- - --------- - --------- ------ ---------
Equity:
Cash America International, Inc. equity:
Common stock, $0.10 par value per share, 80,000,000 shares
authorized, 30,235,164 shares issued and outstanding 3,024 3,024 3,024
Additional paid-in capital 157,874 167,193 167,683
Retained earnings 855,972 739,256 776,060
Accumulated other comprehensive income (loss) 4,366 (2,352) (6,896)
Treasury shares, at cost (1,214,646 shares, 982,735 shares and
1,011,356 shares at September 30, 2012 and 2011,
and at December 31, 2011, respectively) (46,175) (35,752) (37,419)
---------------------------------------------------------------------- --------- --------- ---------
Total Cash America International, Inc. shareholders' equity 975,061 871,369 902,452
Noncontrolling interest (799) 5,277 5,138
---------------------------------------------------------------------- --------- --------- ---------
Total equity 974,262 876,646 907,590
---------------------------------------------------------------------- --------- --------- ---------
Total liabilities and equity $ 1,792,407 $ 1,578,153 $ 1,674,249
---------------------------------------------------------------------- - --------- - --------- ------ ---------

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME
(in thousands, except per share data)
(Unaudited)
Three Months Ended Nine Months Ended
September 30, September 30,
--------------------------- -------------------------------
2012 2011 2012 2011
------------- ------------- --------------- ---------------
Revenue
Pawn loan fees and service charges $ 76,500 $ 74,399 $ 221,450 $ 206,134
Proceeds from disposition of merchandise 153,493 157,886 517,832 473,688
Consumer loan fees 205,094 162,981 558,656 418,522
Other 4,607 3,038 10,888 10,763
------------------------------------------------------------------ ------- ------- --------- ---------
Total Revenue 439,694 398,304 1,308,826 1,109,107
------------------------------------------------------------------ ------- ------- --------- ---------
Cost of Revenue
Disposed merchandise 106,918 102,274 350,878 302,472
Consumer loan loss provision 84,299 60,576 219,079 145,205
------------------------------------------------------------------ ------- ------- --------- ---------
Total Cost of Revenue 191,217 162,850 569,957 447,677
------------------------------------------------------------------ ------- ------- --------- ---------
Net Revenue 248,477 235,454 738,869 661,430
------------------------------------------------------------------ ------- ------- --------- ---------
Expenses
Operations and administration 181,215 157,439 515,560 445,613
Depreciation and amortization 27,074 14,850 56,882 39,600
------------------------------------------------------------------ ------- ------- --------- ---------
Total Expenses 208,289 172,289 572,442 485,213
------------------------------------------------------------------ ------- ------- --------- ---------
Income from Operations 40,188 63,165 166,427 176,217
Interest expense (7,196) (6,865) (21,065) (18,307)
Interest income 22 14 79 56
Foreign currency transaction gain (loss) 93 (777) (72) (1,058)
Equity in loss of unconsolidated subsidiary (61) (34) (209) (70)
------------------------------------------------------------------ ------- ------- --------- ---------
Income before Income Taxes 33,046 55,503 145,160 156,838
Provision for income taxes 25,116 20,974 67,487 59,277
------------------------------------------------------------------ ------- ------- --------- ---------
Net Income 7,930 34,529 77,673 97,561
Net loss attributable to the noncontrolling interest 3,773 248 5,317 575
------------------------------------------------------------------ ------- ------- --------- ---------
Net Income Attributable to Cash America International, Inc. $ 11,703 $ 34,777 $ 82,990 $ 98,136
------------------------------------------------------------------ ---- ------- ---- ------- ---- --------- ---- ---------
Earnings Per Share:
Net Income attributable to Cash America International, Inc. common
shareholders:
Basic $ 0.40 $ 1.18 $ 2.80 $ 3.31
Diluted $ 0.37 $ 1.08 $ 2.62 $ 3.07
Weighted average common shares outstanding:
Basic 29,536 29,535 29,599 29,626
Diluted 31,375 32,248 31,643 31,969
Dividends declared per common share $ 0.035 $ 0.035 $ 0.105 $ 0.105

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
PAWN LENDING ACTIVITIES - FINANCIAL AND OPERATING DATA
(dollars in thousands, except where otherwise noted)
The following tables outline certain data related to the Company's
pawn loan activities as of and for the three and nine months ended
September 30, 2012 and 2011 (dollars in thousands).
2012 2011
---------------------------------------- ----------------------------------------
Domestic Foreign Total Domestic Foreign Total
------------- ------------ ------------- ------------- ------------ -------------
As of September 30,
-------------------------------------------------
Ending pawn loan balances $ 241,261 $ 12,816 $ 254,077 $ 225,921 $ 18,520 $ 244,441
Ending merchandise balance, net $ 160,075 $ 11,210 $ 171,285 $ 156,806 $ 9,559 $ 166,365
Three Months Ended September 30,
-------------------------------------------------
Pawn loan fees and service charges $ 73,209 $ 3,291 $ 76,500 $ 69,025 $ 5,374 $ 74,399
Average pawn loan balance outstanding $ 232,027 $ 11,870 $ 243,897 $ 218,607 $ 20,619 $ 239,226
Amount of pawn loans written and renewed $ 238,191 $ 17,655 $ 255,846 $ 240,062 $ 34,084 $ 274,146
Annualized yield on pawn loans 125.5% 110.3% 124.8% 125.3% 103.4% 123.4%
Average amount per pawn loan (in ones) $ 131 $ 84 $ 122 $ 130 $ 100 $ 125
Gross profit margin on disposition of merchandise 31.7% 14.5% 30.3% 36.6% 20.3% 35.2%
Merchandise turnover 2.6 3.7 2.7 2.6 4.6 2.7
2012 2011
---------------------------------------- ----------------------------------------
Nine Months Ended September 30, Domestic Foreign Total Domestic Foreign Total
------------------------------------------------- ------------- ------------ ------------- ------------- ------------ -------------
Pawn loan fees and service charges $ 210,807 $ 10,643 $ 221,450 $ 190,409 $ 15,725 $ 206,134
Average pawn loan balance outstanding $ 220,494 $ 13,843 $ 234,337 $ 197,316 $ 20,875 $ 218,191
Amount of pawn loans written and renewed $ 675,000 $ 51,478 $ 726,478 $ 641,260 $ 80,483 $ 721,743
Annualized yield on pawn loans 127.7% 102.7% 126.2% 129.0% 100.7% 126.3%
Average amount per pawn loan (in ones) $ 130 $ 89 $ 122 $ 125 $ 104 $ 122
Gross profit margin on disposition of merchandise 33.8% 11.5% 32.2% 37.9% 16.2% 36.1%
Merchandise turnover 3.0 3.8 3.0 2.8 5.3 3.0

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
MERCHANDISE DISPOSITION, GROSS PROFIT AND OPERATING DATA
(dollars in thousands)

Profit from the disposition of merchandise represents the proceeds received from the disposition of merchandise in excess of the cost of disposed merchandise, which is the Company's cost basis in the loan or the amount paid for purchased merchandise. Retail sales include the sale of jewelry and general merchandise direct to consumers through the Company's domestic and foreign retail services locations or over the Internet. Commercial sales include the sale of refined gold, platinum, silver, and diamonds to brokers or manufacturers. The following tables summarize the proceeds from the disposition of merchandise and the related profit for the three and nine months ended September 30, 2012 and 2011 (dollars in thousands).

Three Months Ended September 30,
-------------------------------------------------------------------------------------
2012 2011
------------------------------------------ ------------------------------------------
Retail Commercial Total Retail Commercial Total
------------- --------------- ------------ ------------- --------------- ------------
Proceeds from disposition $ 81,947 $ 71,546 $ 153,493 $ 79,040 $ 78,846 $ 157,886
Gross profit on disposition $ 30,023 $ 16,552 $ 46,575 $ 30,782 $ 24,830 $ 55,612
Gross profit margin 36.6 % 23.1 % 30.3 % 38.9 % 31.5 % 35.2 %
Percentage of total gross profit 64.5 % 35.5 % 100.0 % 55.4 % 44.6 % 100.0 %

Nine Months Ended September 30,
-----------------------------------------------------------------------------------------
2012 2011
-------------------------------------------- --------------------------------------------
Retail Commercial Total Retail Commercial Total
-------------- ---------------- ------------ -------------- ---------------- ------------
Proceeds from disposition $ 277,602 $ 240,230 $ 517,832 $ 253,272 $ 220,416 $ 473,688
Gross profit on disposition $ 103,470 $ 63,484 $ 166,954 $ 99,908 $ 71,308 $ 171,216
Gross profit margin 37.3 % 26.4 % 32.2 % 39.4 % 32.4 % 36.1 %
Percentage of total gross profit 62.0 % 38.0 % 100.0 % 58.4 % 41.6 % 100.0 %

The table below summarizes the age of merchandise held for disposition before valuation allowance of $0.7 million at September 30, 2012 and 2011 (dollars in thousands).

As of September 30,
----------------------------------------
2012 2011
------------------- -------------------
Amount % Amount %
------------ ----- ------------ -----
Jewelry - held for one year or less $ 101,464 59.0 $ 104,004 62.2
Other merchandise - held for one year or less 62,268 36.2 57,625 34.5
-------------------------------------------------- ------- ----- ------- -----
Total merchandise held for one year or less 163,732 95.2 161,629 96.7
-------------------------------------------------- ------- ----- ------- -----
Jewelry - held for more than one year 2,827 1.6 2,091 1.3
Other merchandise - held for more than one year 5,437 3.2 3,345 2.0
-------------------------------------------------- ------- ----- ------- -----
Total merchandise held for more than one year 8,264 4.8 5,436 3.3
-------------------------------------------------- ------- ----- ------- -----
Total merchandise held for disposition $ 171,996 100.0 $ 167,065 100.0
-------------------------------------------------- --- ------- ----- --- ------- -----

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
CONSUMER LOAN FINANCIAL AND OPERATING DATA
(dollars in thousands, except where otherwise noted)

The following tables set forth consumer loan fees by segment, adjusted for the deduction of the loan loss provision for the three and nine months ended September 30, 2012 and 2011 (dollars in thousands).

Three Months Ended September 30,
--------------------------------------------------------------------------------------------
2012 2011
---------------------------------------------- ---------------------------------------------
Retail Services E-Commerce Total Retail Services E-Commerce Total
---------------- ---------------- ------------ --------------- ---------------- ------------
Interest and fees on short-term loans $ 28,364 $ 137,570 $ 165,934 $ 29,741 $ 117,084 $ 146,825
Interest and fees on installment loans 3,081 36,079 39,160 2,936 13,220 16,156
--------------------------------------------------------- ------- ------- ------- ------ ------- -------
Consumer loan fees $ 31,445 $ 173,649 $ 205,094 $ 32,677 $ 130,304 $ 162,981
Consumer loan loss provision 8,061 76,238 84,299 7,513 53,063 60,576
--------------------------------------------------------- ------- ------- ------- ------ ------- -------
Consumer loan fees, net of loss provision $ 23,384 $ 97,411 $ 120,795 $ 25,164 $ 77,241 $ 102,405
--------------------------------------------------------- ----- ------- --- ------- - ------- ----- ------ --- ------- - -------
Year-over-year change - $ $ (1,780) $ 20,170 $ 18,390 $ 880 $ 17,792 $ 18,672
Year-over-year change - % (7.1) % 26.1 % 18.0 % 3.6 % 29.9 % 22.3 %
Consumer loan loss provision as a % of consumer loan fees 25.6 % 43.9 % 41.1 % 23.0 % 40.7 % 37.2 %
--------------------------------------------------------- ------- - ------- --- ------- - ------ - ------- --- ------- -
Nine Months Ended September 30,
--------------------------------------------------------------------------------------------
2012 2011
---------------------------------------------- ---------------------------------------------
Retail Services E-Commerce Total Retail Services E-Commerce Total
---------------- ---------------- ------------ --------------- ---------------- ------------
Interest and fees on short-term loans $ 81,169 $ 385,268 $ 466,437 $ 79,503 $ 304,153 $ 383,656
Interest and fees on installment loans 8,227 83,992 92,219 6,329 28,537 34,866
--------------------------------------------------------- ------- ------- ------- ------ ------- -------
Consumer loan fees $ 89,396 $ 469,260 $ 558,656 $ 85,832 $ 332,690 $ 418,522
Consumer loan loss provision 19,130 199,949 219,079 15,452 129,753 145,205
--------------------------------------------------------- ------- ------- ------- ------ ------- -------
Consumer loan fees, net of loss provision $ 70,266 $ 269,311 $ 339,577 $ 70,380 $ 202,937 $ 273,317
--------------------------------------------------------- ----- ------- --- ------- - ------- ----- ------ --- ------- - -------
Year-over-year change - $ $ (114) $ 66,374 $ 66,260 $ (225) $ 44,329 $ 44,104
Year-over-year change - % (0.2) % 32.7 % 24.2 % (0.3) % 27.9 % 19.2 %
Consumer loan loss provision as a % of consumer loan fees 21.4 % 42.6 % 39.2 % 18.0 % 39.0 % 34.7 %
--------------------------------------------------------- ------- - ------- --- ------- - ------ - ------- --- ------- -

In addition to providing consumer loans owned by the Company and consumer loans guaranteed by the Company, which are either generally accepted accounting principles ("GAAP") items or disclosures required by GAAP, the Company has provided combined consumer loans, which is a non-GAAP measure. In addition, the Company has provided disclosure regarding consumer loans written, which is statistical data that is not included in the Company's financial statements. The Company also provides allowances and liabilities for losses on consumer loans on a combined basis, which are GAAP measures.

Management believes these measures provide investors with important information needed to evaluate the magnitude of potential loan losses and the opportunity for revenue performance of the consumer loan portfolio on an aggregate basis. The comparison of the aggregate amounts from period to period is more meaningful than comparing only the residual amount on the Company's balance sheet since both revenue and the loss provision for loans are impacted by the aggregate amount of loans owned by the Company and those guaranteed by the Company as reflected in its financial statements.

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
CONSUMER LOAN FINANCIAL AND OPERATING DATA
(dollars in thousands, except where otherwise noted)

The following tables summarize selected data related to the Company's consumer loan activities as of September 30, 2012 and 2011 and for the three and nine months ended September 30, 2012 and 2011.

Three Months Ended Nine Months Ended
September 30, September 30,
------------------- ------------------
2012 2011 2012 2011
------- --------- ----- ---------
Combined consumer loan loss provision as a % of combined consumer 9.5% 7.4% 8.8% 6.7%
loans written and renewed(a)
Charge-offs (net of recoveries) as a % of combined consumer loans 8.5% 6.1% 8.2% 6.3%
written and renewed(a)
Combined consumer loan loss provision as a % of consumer loan fees 41.1% 37.2% 39.2% 34.7%
---------------------------------------------------------------- ----- --------- ----- ---------
(a) The disclosure regarding the amount and number of
consumer loans written and renewed is statistical data that is not
included in the Company's financial statements.

As of September 30,
-----------------------------------------------------------------------------------------------------------------------------------
2012 2011
----------------------------------------------------------------- -----------------------------------------------------------------
Company Owned(a) Guaranteed by the Company(a) Combined(b) Company Owned(a) Guaranteed by the Company(a) Combined(b)
------------------ ------------------------------ --------------- ------------------ ------------------------------ ---------------
Ending consumer loan balances:
Retail Services
-------------------------------------------------------------------
Short-term loans $ 49,079 $ 6,904 $ 55,983 $ 48,891 $ 8,644 $ 57,535
Installment loans 9,899 6,707 16,606 8,484 6,218 14,702
------------------------------------------------------------------- -------- -------------- -------- -------- -------------- --------
Total Retail Services, gross 58,978 13,611 72,589 57,375 14,862 72,237
------------------------------------------------------------------- -------- -------------- -------- -------- -------------- --------
E-Commerce
-------------------------------------------------------------------
Domestic
Short-term loans 75,435 37,952 113,387 51,829 33,514 85,343
Installment loans 38,986 - 38,986 19,856 - 19,856
------------------------------------------------------------------- -------- -------------- -------- -------- -------------- --------
Total Domestic, gross 114,421 37,952 152,373 71,685 33,514 105,199
------------------------------------------------------------------- -------- -------------- -------- -------- -------------- --------
Foreign
Short-term loans 96,561 3,708 100,269 86,987 2,842 89,829
Installment loans 66,111 - 66,111 22,930 - 22,930
------------------------------------------------------------------- -------- -------------- -------- -------- -------------- --------
Total Foreign, gross 162,672 3,708 166,380 109,917 2,842 112,759
------------------------------------------------------------------- -------- -------------- -------- -------- -------------- --------
Total E-Commerce, gross 277,093 41,660 318,753 181,602 36,356 217,958
------------------------------------------------------------------- -------- -------------- -------- -------- -------------- --------
Total ending loan balance, gross 336,071 55,271 391,342 238,977 51,218 290,195
Less: Allowance and liabilities for losses(a) (79,246) (3,437) (82,683) (47,335) (2,487) (49,822)
------------------------------------------------------------------- -------- -------------- -------- -------- -------------- --------
Total ending loan balance, net $ 256,825 $ 51,834 $ 308,659 $ 191,642 $ 48,731 $ 240,373
------------------------------------------------------------------- -------- -------- -------------- -------------- ----- -------- -------- -------- -------------- -------------- ----- --------
Allowance and liability for losses as a % of combined consumer loan 23.6% 6.2% 21.1% 19.8% 4.9% 17.2%
balances, gross(b)
------------------------------------------------------------------- -------- -------------- -------- -------- -------------- --------
(a) GAAP measure. The consumer loan balances guaranteed by the Company
represent loans originated by third-party lenders through the
Company's credit services organization programs (the "CSO
programs"), so these balances are not recorded in the Company's
financial statements. However, the Company has established a
liability for estimated losses in support of its guarantee of these
loans, which is reflected in the table above and included in its
financial statements.
(b) Except for allowance and liability for estimated losses, amounts
represent non-GAAP measures.

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
CONSUMER LOAN FINANCIAL AND OPERATING DATA
(dollars in thousands, except where otherwise noted)

The following tables summarize consumer loans written or renewed for the three and nine months ended September 30, 2012 and 2011 (dollars in thousands).

Three Months Ended September 30,
-------------------------------------------------------------------------------------------------------------------------------------------
2012 2011
--------------------------------------------------------------------- ---------------------------------------------------------------------
Company Owned(a) Guaranteed by the Company(a)(b) Combined(a) Company Owned(a) Guaranteed by the Company(a)(b) Combined(a)
----------------- ------------------------------ -------------- ----------------- ------------------------------ --------------
Amount of consumer loans written and renewed:
Retail Services
----------------------------------------------
Short-term loans $ 191,332 $ 36,343 $ 227,675 $ 196,771 $ 45,915 $ 242,686
Installment loans 2,026 4,457 6,483 1,601 5,126 6,727
---------------------------------------------- --------- --------------- --------- --------- --------------- ---------
Total Retail Services 193,358 40,800 234,158 198,372 51,041 249,413
---------------------------------------------- --------- --------------- --------- --------- --------------- ---------
E-Commerce
----------------------------------------------
Domestic
Short-term loans 116,785 197,962 314,747 109,909 180,890 290,799
Installment loans 29,987 - 29,987 15,223 - 15,223
---------------------------------------------- --------- --------------- --------- --------- --------------- ---------
Total Domestic 146,772 197,962 344,734 125,132 180,890 306,022
---------------------------------------------- --------- --------------- --------- --------- --------------- ---------
Foreign
Short-term loans 251,787 17,676 269,463 231,310 15,410 246,720
Installment loans 35,380 - 35,380 15,844 - 15,844
---------------------------------------------- --------- --------------- --------- --------- --------------- ---------
Total Foreign 287,167 17,676 304,843 247,154 15,410 262,564
---------------------------------------------- --------- --------------- --------- --------- --------------- ---------
Total E-Commerce 433,939 215,638 649,577 372,286 196,300 568,586
---------------------------------------------- --------- --------------- --------- --------- --------------- ---------
Total amount of consumer loans $ 627,297 $ 256,438 $ 883,735 $ 570,658 $ 247,341 $ 817,999
written and renewed:
-------------------------------------------- -------- --------- --------------- --------------- ----- --------- -------- --------- --------------- --------------- ----- ---------
Number of consumer loans written and renewed:
Retail Services
----------------------------------------------
Short-term loans 408,886 68,960 477,846 423,380 81,771 505,151
Installment loans 1,772 662 2,434 1,554 977 2,531
---------------------------------------------- --------- --------------- --------- --------- --------------- ---------
Total Retail Services 410,658 69,622 480,280 424,934 82,748 507,682
---------------------------------------------- --------- --------------- --------- --------- --------------- ---------
E-Commerce
----------------------------------------------
Domestic
Short-term loans 388,650 271,250 659,900 342,634 258,705 601,339
Installment loans 31,444 - 31,444 11,799 - 11,799
---------------------------------------------- --------- --------------- --------- --------- --------------- ---------
Total Domestic 420,094 271,250 691,344 354,433 258,705 613,138
---------------------------------------------- --------- --------------- --------- --------- --------------- ---------
Foreign
Short-term loans 434,578 23,146 457,724 433,216 22,251 455,467
Installment loans 30,336 - 30,336 13,967 - 13,967
---------------------------------------------- --------- --------------- --------- --------- --------------- ---------
Total Foreign 464,914 23,146 488,060 447,183 22,251 469,434
---------------------------------------------- --------- --------------- --------- --------- --------------- ---------
Total E-Commerce 885,008 294,396 1,179,404 801,616 280,956 1,082,572
---------------------------------------------- --------- --------------- --------- --------- --------------- ---------
Total number of consumer loans 1,295,666 364,018 1,659,684 1,226,550 363,704 1,590,254
written and renewed
-------------------------------------------- --------- --------------- --------- --------- --------------- ---------
(a) The disclosure regarding the amount and number of
consumer loans written and renewed is statistical data that is not
included in the Company's financial statements.
(b) Loans guaranteed by the Company represent loans
originated by third-party lenders through the CSO programs.

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
CONSUMER LOAN FINANCIAL AND OPERATING DATA
(dollars in thousands, except where otherwise noted)

Nine Months Ended September 30,
---------------------------------------------------------------------------------------------------------------------------------------------
2012 2011
---------------------------------------------------------------------- ----------------------------------------------------------------------
Company Owned(a) Guaranteed by the Company(a)(b) Combined(a) Company Owned(a) Guaranteed by the Company(a)(b) Combined(a)
------------------- -------------------------------- ---------------- ------------------- -------------------------------- ----------------
Amount of consumer loans written and renewed:
Retail Services
---------------------------------------------
Short-term loans $ 544,930 $ 109,005 $ 653,935 $ 534,182 $ 128,431 $ 662,613
Installment loans 5,690 10,613 16,303 6,580 10,193 16,773
--------------------------------------------- --------- --------------- --------- --------- --------------- ---------
Total Retail Services 550,620 119,618 670,238 540,762 138,624 679,386
--------------------------------------------- --------- --------------- --------- --------- --------------- ---------
E-Commerce
---------------------------------------------
Domestic
Short-term loans 330,986 541,364 872,350 315,472 491,424 806,896
Installment loans 57,354 - 57,354 28,262 - 28,262
--------------------------------------------- --------- --------------- --------- --------- --------------- ---------
Total Domestic 388,340 541,364 929,704 343,734 491,424 835,158
--------------------------------------------- --------- --------------- --------- --------- --------------- ---------
Foreign
Short-term loans 738,682 52,724 791,406 568,507 40,476 608,983
Installment loans 91,790 - 91,790 36,797 - 36,797
--------------------------------------------- --------- --------------- --------- --------- --------------- ---------
Total Foreign 830,472 52,724 883,196 605,304 40,476 645,780
--------------------------------------------- --------- --------------- --------- --------- --------------- ---------
Total E-Commerce 1,218,812 594,088 1,812,900 949,038 531,900 1,480,938
--------------------------------------------- --------- --------------- --------- --------- --------------- ---------
Total amount of consumer loans $ 1,769,432 $ 713,706 $ 2,483,138 $ 1,489,800 $ 670,524 $ 2,160,324
written and renewed:
--------------------------------------------- -------- --------- --------------- --------------- ----- --------- -------- --------- --------------- --------------- ----- ---------
Number of consumer loans written and renewed:
Retail Services
---------------------------------------------
Short-term loans 1,159,449 200,636 1,360,085 1,155,859 226,068 1,381,927
Installment loans 5,252 1,506 6,758 5,101 2,039 7,140
--------------------------------------------- --------- --------------- --------- --------- --------------- ---------
Total Retail Services 1,164,701 202,142 1,366,843 1,160,960 228,107 1,389,067
--------------------------------------------- --------- --------------- --------- --------- --------------- ---------
E-Commerce
---------------------------------------------
Domestic
Short-term loans 1,075,228 741,152 1,816,380 957,228 693,814 1,651,042
Installment loans 57,255 - 57,255 24,630 - 24,630
--------------------------------------------- --------- --------------- --------- --------- --------------- ---------
Total Domestic 1,132,483 741,152 1,873,635 981,858 693,814 1,675,672
--------------------------------------------- --------- --------------- --------- --------- --------------- ---------
Foreign
Short-term loans 1,359,841 69,645 1,429,486 1,077,980 61,340 1,139,320
Installment loans 80,539 - 80,539 32,185 - 32,185
--------------------------------------------- --------- --------------- --------- --------- --------------- ---------
Total Foreign 1,440,380 69,645 1,510,025 1,110,165 61,340 1,171,505
--------------------------------------------- --------- --------------- --------- --------- --------------- ---------
Total E-Commerce 2,572,863 810,797 3,383,660 2,092,023 755,154 2,847,177
--------------------------------------------- --------- --------------- --------- --------- --------------- ---------
Total number of consumer loans 3,737,564 1,012,939 4,750,503 3,252,983 983,261 4,236,244
written and renewed
--------------------------------------------- --------- --------------- --------- --------- --------------- ---------
(a) The disclosure regarding the amount and number of consumer loans
written and renewed is statistical data that is not included in
the Company's financial statements.
(b) Loans guaranteed by the Company represent loans originated by
third-party lenders through the CSO programs.

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
INCOME FROM OPERATIONS BY OPERATING SEGMENT
(dollars in thousands)

The following tables contain operating segment data for the three and nine months ended September 30, 2012 and 2011 (dollars in thousands).

Corporate operations primarily include corporate expenses, such as personnel, legal, occupancy, and other costs related to corporate service functions, such as executive oversight, insurance and risk management, public and government relations, internal audit, treasury, payroll, compliance and licensing, finance, accounting, tax and information systems (except for online lending systems, which are included in the e-commerce segment). Corporate income includes miscellaneous income not directly attributable to the Company's segments. Corporate assets primarily include: corporate property and equipment, nonqualified savings plan assets, marketable securities, foreign exchange forward contracts and prepaid insurance.

Retail Services E-Commerce
----------------------------------------- --------------------------------------
Domestic Foreign Total Domestic Foreign Total Corporate Consolidated
------------- ------------- ------------- ------------- ------------ ----------- -------------- -----------------
Three Months Ended September 30, 2012
--------------------------------------------
Revenue
Pawn loan fees and service charges $ 73,209 $ 3,291 $ 76,500 $ - $ - $ - $ - $ 76,500
Proceeds from disposition of merchandise 141,088 12,405 153,493 - - - - 153,493
Consumer loan fees 31,445 - 31,445 89,342 84,307 173,649 - 205,094
Other 1,938 252 2,190 374 14 388 2,029 4,607
-------------------------------------------- ------- -------- --------- ------- ------- ------- -------- ---------
Total revenue 247,680 15,948 263,628 89,716 84,321 174,037 2,029 439,694
-------------------------------------------- ------- -------- --------- ------- ------- ------- -------- ---------
Cost of revenue
Disposed merchandise 96,315 10,603 106,918 - - - - 106,918
Consumer loan loss provision 8,061 - 8,061 42,877 33,361 76,238 - 84,299
-------------------------------------------- ------- -------- --------- ------- ------- ------- -------- ---------
Total cost of revenue 104,376 10,603 114,979 42,877 33,361 76,238 - 191,217
-------------------------------------------- ------- -------- --------- ------- ------- ------- -------- ---------
Net revenue 143,304 5,345 148,649 46,839 50,960 97,799 2,029 248,477
-------------------------------------------- ------- -------- --------- ------- ------- ------- -------- ---------
Expenses
Operations and administration 84,874 14,205 99,079 33,397 31,051 64,448 17,688 181,215
Depreciation and amortization 7,808 12,264 20,072 3,037 342 3,379 3,623 27,074
-------------------------------------------- ------- -------- --------- ------- ------- ------- -------- ---------
Total expenses 92,682 26,469 119,151 36,434 31,393 67,827 21,311 208,289
-------------------------------------------- ------- -------- --------- ------- ------- ------- -------- ---------
Income (loss) from operations $ 50,622 $ (21,124) $ 29,498 $ 10,405 $ 19,567 $ 29,972 $ (19,282) $ 40,188
------------------------------------------------ ------- --- -------- -- --------- ---- ------- --- ------- -- ------- ---- -------- ------ ---------
As of September 30, 2012
--------------------------------------------
Total assets $ 993,598 $ 111,610 $ 1,105,208 $ 382,459 $ 174,665 $ 557,124 $ 130,075 $ 1,792,407
Goodwill $ 388,965 $ 210,372 $ 599,337

Retail Services E-Commerce
---------------------------------------- --------------------------------------
Domestic Foreign Total Domestic Foreign Total Corporate Consolidated
------------- ------------ ------------- ------------- ------------ ----------- -------------- -----------------
Three Months Ended September 30, 2011
--------------------------------------------
Revenue
Pawn loan fees and service charges $ 69,025 $ 5,374 $ 74,399 $ - $ - $ - $ - $ 74,399
Proceeds from disposition of merchandise 144,820 13,065 157,885 1 - 1 - 157,886
Consumer loan fees 32,677 - 32,677 67,320 62,984 130,304 - 162,981
Other 2,521 16 2,537 49 294 343 158 3,038
-------------------------------------------- ------- ------- --------- ------- ------- ------- -------- ---------
Total revenue 249,043 18,455 267,498 67,370 63,278 130,648 158 398,304
-------------------------------------------- ------- ------- --------- ------- ------- ------- -------- ---------
Cost of revenue
Disposed merchandise 91,863 10,411 102,274 - - - - 102,274
Consumer loan loss provision 7,513 - 7,513 25,472 27,591 53,063 - 60,576
-------------------------------------------- ------- ------- --------- ------- ------- ------- -------- ---------
Total cost of revenue 99,376 10,411 109,787 25,472 27,591 53,063 - 162,850
------- ------- --------- ------- ------- ------- -------- ---------
Net revenue 149,667 8,044 157,711 41,898 35,687 77,585 158 235,454
-------------------------------------------- ------- ------- --------- ------- ------- ------- -------- ---------
Expenses
Operations and administration 85,419 8,138 93,557 24,115 23,508 47,623 16,259 157,439
Depreciation and amortization 7,090 1,488 8,578 2,634 218 2,852 3,420 14,850
-------------------------------------------- ------- ------- --------- ------- ------- ------- -------- ---------
Total expenses 92,509 9,626 102,135 26,749 23,726 50,475 19,679 172,289
-------------------------------------------- ------- ------- --------- ------- ------- ------- -------- ---------
Income (loss) from operations $ 57,158 $ (1,582) $ 55,576 $ 15,149 $ 11,961 $ 27,110 $ (19,521) $ 63,165
------------------------------------------------ ------- --- ------- -- --------- ---- ------- --- ------- -- ------- ---- -------- ------ ---------
As of September 30, 2011
--------------------------------------------
Total assets $ 885,572 $ 121,326 $ 1,006,898 $ 323,699 $ 115,905 $ 439,604 $ 131,651 $ 1,578,153
Goodwill $ 327,887 $ 210,282 $ 538,169

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
INCOME FROM OPERATIONS BY OPERATING SEGMENT
(in thousands)

Retail Services E-Commerce
--------------------------------------- --------------------------------------
Domestic Foreign Total Domestic Foreign Total Corporate Consolidated
------------- ------------- ----------- ------------- ------------ ----------- -------------- -----------------
Nine Months Ended September 30, 2012
--------------------------------------------
Revenue
Pawn loan fees and service charges $ 210,807 $ 10,643 $ 221,450 $ - $ - $ - $ - $ 221,450
Proceeds from disposition of merchandise 481,558 36,274 517,832 - - - - 517,832
Consumer loan fees 89,396 - 89,396 232,268 236,992 469,260 - 558,656
Other 7,085 512 7,597 827 19 846 2,445 10,888
-------------------------------------------- ------- -------- ------- ------- ------- ------- -------- ---------
Total revenue 788,846 47,429 836,275 233,095 237,011 470,106 2,445 1,308,826
-------------------------------------------- ------- -------- ------- ------- ------- ------- -------- ---------
Cost of revenue
Disposed merchandise 318,788 32,090 350,878 - - - - 350,878
Consumer loan loss provision 19,130 - 19,130 95,474 104,475 199,949 - 219,079
-------------------------------------------- ------- -------- ------- ------- ------- ------- -------- ---------
Total cost of revenue 337,918 32,090 370,008 95,474 104,475 199,949 - 569,957
-------------------------------------------- ------- -------- ------- ------- ------- ------- -------- ---------
Net revenue 450,928 15,339 466,267 137,621 132,536 270,157 2,445 738,869
-------------------------------------------- ------- -------- ------- ------- ------- ------- -------- ---------
Expenses
Operations and administration 264,337 30,221 294,558 82,986 85,552 168,538 52,464 515,560
Depreciation and amortization 22,454 14,513 36,967 8,376 905 9,281 10,634 56,882
-------------------------------------------- ------- -------- ------- ------- ------- ------- -------- ---------
Total expenses 286,791 44,734 331,525 91,362 86,457 177,819 63,098 572,442
-------------------------------------------- ------- -------- ------- ------- ------- ------- -------- ---------
Income (loss) from operations $ 164,137 $ (29,395) $ 134,742 $ 46,259 $ 46,079 $ 92,338 $ (60,653) $ 166,427
-------------------------------------------- ---- ------- --- -------- -- ------- ---- ------- --- ------- -- ------- ---- -------- ------ ---------

Retail Services E-Commerce
-------------------------------------- --------------------------------------
Domestic Foreign Total Domestic Foreign Total Corporate Consolidated
------------- ------------ ----------- ------------- ------------ ----------- -------------- -----------------
Nine Months Ended September 30, 2011
--------------------------------------------
Revenue
Pawn loan fees and service charges $ 190,409 $ 15,725 $ 206,134 $ - $ - $ - $ - $ 206,134
Proceeds from disposition of merchandise 435,745 37,913 473,658 30 - 30 - 473,688
Consumer loan fees 85,832 - 85,832 181,243 151,447 332,690 - 418,522
Other 8,768 292 9,060 392 831 1,223 480 10,763
-------------------------------------------- ------- ------- ------- ------- ------- ------- -------- ---------
Total revenue 720,754 53,930 774,684 181,665 152,278 333,943 480 1,109,107
-------------------------------------------- ------- ------- ------- ------- ------- ------- -------- ---------
Cost of revenue
Disposed merchandise 270,692 31,757 302,449 23 - 23 - 302,472
Consumer loan loss provision 15,452 - 15,452 59,134 70,619 129,753 - 145,205
-------------------------------------------- ------- ------- ------- ------- ------- ------- -------- ---------
Total cost of revenue 286,144 31,757 317,901 59,157 70,619 129,776 - 447,677
-------------------------------------------- ------- ------- ------- ------- ------- ------- -------- ---------
Net revenue 434,610 22,173 456,783 122,508 81,659 204,167 480 661,430
-------------------------------------------- ------- ------- ------- ------- ------- ------- -------- ---------
Expenses
Operations and administration 249,752 25,335 275,087 62,482 58,999 121,481 49,045 445,613
Depreciation and amortization 19,359 4,459 23,818 7,956 618 8,574 7,208 39,600
-------------------------------------------- ------- ------- ------- ------- ------- ------- -------- ---------
Total expenses 269,111 29,794 298,905 70,438 59,617 130,055 56,253 485,213
-------------------------------------------- ------- ------- ------- ------- ------- ------- -------- ---------
Income (loss) from operations $ 165,499 $ (7,621) $ 157,878 $ 52,070 $ 22,042 $ 74,112 $ (55,773) $ 176,217
-------------------------------------------- ---- ------- --- ------- -- ------- ---- ------- --- ------- -- ------- ---- -------- ------ ---------

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
LOCATION INFORMATION

Retail Services Segment

The following table sets forth the number of domestic and foreign Company-owned and franchised locations in the Company's retail services segment offering pawn lending, consumer lending, and other services as of September 30, 2012 and 2011. The Company's domestic retail services locations operate under the names "Cash America Pawn," "SuperPawn," "Cash America Payday Advance," "Cashland" and "Mr. Payroll." The Company's foreign retail services locations operate under the name "Prenda Facil."

As of September 30,
----------------------------------------------------------------------
2012 2011
---------------------------------- ----------------------------------
Domestic(a)(b) Foreign(a) Total Domestic(a)(b) Foreign(a) Total
-------------- ---------- ----- -------------- ---------- -----
Retail services locations offering:
Both pawn and consumer lending 577 - 577 571 - 571
Pawn lending only 155 160 315 125 186 311
Consumer lending only 83 - 83 86 - 86
Other (c) 99 - 99 115 - 115
----------------------------------- -------------- ---------- ----- -------------- ---------- -----
Total retail services 914 160 1,074 897 186 1,083
----------------------------------- -------------- ---------- ----- -------------- ---------- -----

(a) Except as described in (c) below, includes locations that operate in
23 states in the United States as of both September 30, 2012 and
2011, respectively.
(b) Includes unconsolidated franchised locations as follows: one
location operating under the name "Cash America Pawn" as of
September 30, 2012 and eight locations operating under the names
"Cash America Pawn" and "SuperPawn" as of September 30, 2011.
(c) As of September 30, 2012 and 2011, includes six and six consolidated
Company-owned check cashing locations, respectively, and 93 and 109
unconsolidated franchised check cashing locations, respectively. As
of September 30, 2012 and 2011, includes locations that operate in
15 and 18 states in the United States, respectively.

E-Commerce Segment

As of September 30, 2012 and 2011, the Company's e-commerce segment operated in 32 states in the United States and in three other foreign countries.

-- in the United States at http://www.cashnetusa.com and http://www.netcredit.com ,

-- in the United Kingdom at http://www.quickquid.co.uk and http://www.poundstopocket.co.uk ,

-- in Australia at http://www.dollarsdirect.com.au , and

-- in Canada at http://www.dollarsdirect.ca .

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
NON-GAAP DISCLOSURE

Non-GAAP Disclosure

In addition to the financial information prepared in conformity with GAAP the Company provides historical non-GAAP financial information. Management believes that presentation of non-GAAP financial information is meaningful and useful in understanding the activities and business metrics of the Company's operations. Management believes that these non-GAAP financial measures reflect an additional way of viewing aspects of the Company's business that, when viewed with its GAAP results, provide a more complete understanding of factors and trends affecting its business.

Management provides non-GAAP financial information for informational purposes and to enhance understanding of the Company's GAAP consolidated financial statements. Readers should consider the information in addition to, but not instead of, its financial statements prepared in accordance with GAAP. This non-GAAP financial information may be determined or calculated differently by other companies, limiting the usefulness of those measures for comparative purposes.

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
NON-GAAP DISCLOSURE
ADJUSTED EARNINGS PER SHARE

Adjusted Earnings Per Share

In addition to reporting financial results in accordance with GAAP, the Company has provided adjusted earnings and adjusted earnings per share, which are non-GAAP measures. Management believes that the presentation of these measures provides investors with greater transparency and facilitates comparison of operating results across a broad spectrum of companies with varying capital structures, compensation strategies, derivative instruments and amortization methods, which provides a more complete understanding of the Company's financial performance, competitive position and prospects for the future. Management also believes that investors regularly rely on non-GAAP financial measures, such as adjusted earnings and adjusted earnings per share, to assess operating performance and that such measures may highlight trends in the Company's business that may not otherwise be apparent when relying on financial measures calculated in accordance with GAAP. In addition, management believes that the adjustments shown below, especially the adjustments for events that occurred during the three months ended September 30, 2012, such as the reorganization of the Mexico-based pawn operations and the withdrawal of the proposed initial public offering of the Company's wholly-owned subsidiary, Enova International, Inc. (the "proposed Enova IPO"), are useful to investors in order to allow them to compare the Company's financial results for the quarter with the previous periods shown.

The following table provides a reconciliation between net income attributable to the Company and diluted earnings per share calculated in accordance with GAAP to adjusted earnings and adjusted earnings per share, respectively, which are shown net of tax (dollars in thousands, except per share data):

Three Months Ended Nine Months Ended
September 30, September 30,
------------------------------------------------- ---------------------------------------------------
2012 2011 2012 2011
-------------------- ------------------------ ------------------------- -------------------------
$ Per Diluted $ Per Diluted $ Per Diluted $ Per Diluted
Share Share Share Share
--------- ---------- --------- ---------- ---------- ---------- ---------- ----------
Net income attributable to Cash America International, Inc. $ 11,703 $ 0.37 $ 34,777 $ 1.08 $ 82,990 $ 2.62 $ 98,136 $ 3.07
Adjustments:
Charges related to withdrawn Enova IPO(a) 1,941 0.06 - - 2,461 0.08 - -
18,456 0.59 - - 18,456 0.58 - -
Charges related to Mexico Reorganization, net of noncontrolling
interest(b)
--------------------------------------------------------------------- ------ ----- ------ ----- ------- ----- ------- -----
Subtotal 32,100 1.02 34,777 1.08 103,907 3.28 98,136 3.07
--------------------------------------------------------------------- ------ ----- ------ ----- ------- ----- ------- -----
Other adjustments:
Intangible asset amortization 639 0.02 939 0.03 2,042 0.06 3,024 0.09
Non-cash equity-based compensation 564 0.02 842 0.03 2,481 0.08 2,448 0.08
601 0.02 559 0.02 1,766 0.06 1,650 0.05
Convertible debt non-cash interest and issuance cost amortization
Foreign currency transaction (gain) loss (58) - 483 0.01 45 - 658 0.02
--------------------------------------------------------------------- ------ ----- ------ ----- ------- ----- ------- -----
Adjusted earnings $ 33,846 $ 1.08 $ 37,600 $ 1.17 $ 110,241 $ 3.48 $ 105,916 $ 3.31
--------------------------------------------------------------------- --- ------ ----- ----- --- ------ ----- ----- --- ------- ----- ----- --- ------- ----- -----
(a) Represents charges directly related to the proposed Enova IPO that
was withdrawn in July 2012. For the three months ended September
30, 2012, represents $3.1 million of charges, net tax benefit of
$1.2 million. For the nine months ended September 30, 2012,
represents $3.9 million of charges, net tax benefit of $1.2
million.
(b) Represents charges related to the reorganization of the Company's
Mexico-based pawn operations. For the three and nine months ended
September 30, 2012, represents $21.9 million of charges, net tax
benefit of $1.2 million and noncontrolling interest of $2.2
million.

CASH AMERICA INTERNATIONAL, INC. AND SUBSIDIARIES
NON-GAAP DISCLOSURE
ADJUSTED EBITDA

Adjusted EBITDA

The table below shows adjusted EBITDA, a non-GAAP measure that the Company defines as earnings excluding depreciation, amortization, interest, foreign currency transaction gains or losses, equity in earnings or loss of unconsolidated subsidiary, taxes and including the net income or loss attributable to noncontrolling interests. Management believes adjusted EBITDA is used by investors to analyze operating performance and evaluate the Company's ability to incur and service debt and its capacity for making capital expenditures. Adjusted EBITDA is also useful to investors to help assess the Company's liquidity and estimated enterprise value. The computation of adjusted EBITDA as presented below may differ from the computation of similarly-titled measures provided by other companies (dollars in thousands):

Trailing 12 Months Ended
September 30,
---------------------------------------
2012 2011
---------------- ----------------
Net income attributable to Cash America $ 120,817 $ 132,841
International, Inc.
Adjustments:
Depreciation and amortization expenses 71,431 52,172
Interest expense, net 28,182 24,078
Foreign currency transaction loss 279 1,421
Equity in loss of unconsolidated subsidiary 243 145
Provision for income taxes 90,570 79,401
Net loss attributable to the noncontrolling interest (5,539) (479)
--------------------------------------------------------- --------- -- --------- --
Adjusted EBITDA $ 305,983 $ 289,579
--------------------------------------------------------- -- --------- -- ---------
Adjusted EBITDA margin calculated as follows:
Total revenue $ 1,782,783 $ 1,489,105
Adjusted EBITDA 305,983 289,579
--------------------------------------------------------- --------- ---------
Adjusted EBITDA as a percentage of total revenue 17.2 % 19.4 %
--------------------------------------------------------- --------- -- --------- --

SOURCE: Cash America International, Inc.

Cash America International, Inc.
Thomas A. Bessant, Jr., 817-335-1100

Want to Learn How to Better Manage Your Finances?

Oct 8, 2012 17:03:45 (ET)


WASHINGTON, DC, Oct 08, 2012 (MARKETWIRE via COMTEX) -- Cash America International, Inc. (CSH, Trade ), in partnership with Washington, D.C.-based Community Financial Education Foundation (CFEF), recently launched financial education websites to its customers. The MyStartingPoint.com program provides a step-by-step process to teach users about budgeting and saving, banking, borrowing money and credit management.

Launched for Cash America and its two affiliates, SuperPawn and Cashland, the MyStartingPoint.com program is CFEF's acclaimed financial educational outreach initiative. It offers interactive, fully customized financial lessons tailored to each individual's needs.

"We believe it is imperative that consumers have a thorough understanding of their financial options and how to build successful and lasting relationships within the financial community," said Cash America's Vice President of Public Relations and Corporate Communications Yolanda Walker. "Financial well-being is critical to every individual and information can make the difference between financial freedom or failure; and we're happy to partner with CFEF to provide this valuable resource to the public."

Users complete financial surveys, read relevant articles and watch videos that teach them to better manage their money and be more financially responsible.

"It is the number one mission of CFEF to ensure that consumers everywhere can have access to information that will contribute towards personal financial health," said Executive Director of Community Financial Education Foundation Jane DeMarines. "We applaud Cash America in sharing this objective and making MyStartingPoint.com a part of their own campaign to educate consumers."

About Community Financial Education Foundation CFEF, a 501(c)3 non-profit, is a leading innovator in the field of financial education, educating consumers and connecting them to financial products and services that help to inform and improve their behavior.

About Cash America As of June 30, 2012, Cash America International, Inc. operated 1,086 total locations offering specialty financial services to consumers, which included 790 lending locations (including one unconsolidated franchised location) in 23 states in the United States under the names "Cash America Pawn," "SuperPawn," "Pawn X-Change," "Cash America Payday Advance," and "Cashland," and 195 pawn lending locations in 21 jurisdictions in central and southern Mexico under the name "Prenda Facil." The Company also operated 95 unconsolidated franchised and six Company-owned check cashing centers operating in 16 states in the United States under the name "Mr. Payroll" as of June 30, 2012. Additionally, as of June 30, 2012, the Company offered consumer loans over the Internet to customers in 32 states in the United States at http://www.cashnetusa.com and http://www.netcredit.com , in the United Kingdom at http://www.quickquid.co.uk and http://www.poundstopocket.co.uk , in Australia at http://www.dollarsdirect.com.au , and in Canada at http://www.dollarsdirect.ca .


Cash America Media Contact:
Pam Tate
Public Relations Manager
817-570-1611 (o)
214-293-1956 (c)
Email Contact

CFEF Media Contact:
Jane DeMarines
Executive Director
202-997-8785
Email Contact




SOURCE: Cash America

Cash America beats by $0.09, beats on revs

5:05 AM ET 4/26/12 | Briefing.com Reports Q1 (Mar) earnings of $1.30 per share, $0.09 better than the Capital IQ Consensus Estimate of $1.21; revenues rose 25.4% year/year to $457.5 mln vs the $404.82 mln consensus.

<<< $CSH Links! >>> ~ MAC's Quick DD Links without the charts.




PennyStockTweets ~ http://www.pennystocktweets.com/stocks/profile/CSH


OTC Markets Company Info ~ http://www.otcmarkets.com/stock/CSH/company-info
OTC Markets Charts ~ http://www.otcmarkets.com/stock/CSH/chart
OTC Markets Quote ~ http://www.otcmarkets.com/stock/CSH/quote
OTC Markets News ~ http://www.otcmarkets.com/stock/CSH/news
OTC Markets Financials ~ http://www.otcmarkets.com/stock/CSH/financials
OTC Markets Short Sales ~ http://www.otcmarkets.com/stock/CSH/short-sales
OTC Markets Insider Disclosure ~ http://www.otcmarkets.com/stock/CSH/insider-transactions
OTC Markets Research Reports ~ http://www.otcmarkets.com/stock/CSH/research


Google Finance Summary ~ http://www.google.com/finance?q=CSH
Google Finance News ~ http://www.google.com/finance/company_news?q=CSH
Google Finance Option chain ~ http://www.google.com/finance/option_chain?q=CSH
Google Finance Financials ~ http://www.google.com/finance?q=CSH&fstype=ii#
Google Finance Historical prices Daily ~ http://www.google.com/finance/historical?q=CSH
Google Finance Historical prices Weekly ~ http://www.google.com/finance/historical?q=CSH&histperiod=weekly#


Y! < Company >
Y! Profile ~ http://finance.yahoo.com/q/pr?s=CSH+Profile
Y! Key Stat's ~ http://finance.yahoo.com/q/ks?s=CSH+Key+Statistics
Y! Headlines ~ http://finance.yahoo.com/q/h?s=CSH+Headlines
Y! Summary ~ http://finance.yahoo.com/q?s=CSH
Y! Historical Prices ~ http://finance.yahoo.com/q/hp?s=CSH+Historical+Prices
Y! Order Book ~ http://finance.yahoo.com/q/ecn?s=CSH+Order+Book
Y! Message Boards ~ http://messages.finance.yahoo.com/mb/CSH
Y! Market Pulse ~ http://finance.yahoo.com/marketpulse/CSH
Y! Technical Analysis ~ http://finance.yahoo.com/q/ta?s=CSH+Basic+Tech.+Analysis
Y! < Analyst Coverage >
Y! Analyst Opinion ~ http://finance.yahoo.com/q/ao?s=CSH+Analyst+Opinion
Y! Analyst Estimates ~ http://finance.yahoo.com/q/ae?s=CSH+Analyst+Estimates
Y! Research Reports ~ http://finance.yahoo.com/q/rr?s=CSH+Research+Reports
Y! Star Analysts ~ http://finance.yahoo.com/q/sa?s=CSH+Star+Analysts
Y! < Ownership >
Y! Major Holders ~ http://finance.yahoo.com/q/mh?s=CSH+Major+Holders
Y! Insider Transactions ~ http://finance.yahoo.com/q/it?s=CSH+Insider+Transactions
Y! Insider Roster ~ http://finance.yahoo.com/q/ir?s=CSH+Insider+Roster
Y! < Financials >
Y! Income Statement ~ http://finance.yahoo.com/q/is?s=CSH+Income+Statement&annual
Y! Balance Sheet ~ http://finance.yahoo.com/q/bs?s=CSH+Balance+Sheet&annual
Y! Cash Flow ~ http://finance.yahoo.com/q/cf?s=CSH+Cash+Flow&annual


FINVIZ ~ http://finviz.com/quote.ashx?t=CSH&ty=c&ta=0&p=d


Investorshub Trades ~ http://ih.advfn.com/p.php?pid=trades&symbol=CSH
Investorshub Board Search ~ http://investorshub.advfn.com/boards/getboards.aspx?searchstr=CSH
Investorshub PostStream ~ http://investorshub.advfn.com/boards/poststream.aspx?ticker=CSH
Investorshub Messages ~ http://investorshub.advfn.com/boards/msgsearch.aspx?SearchStr=CSH
Investorshub Videos ~ http://ih.advfn.com/p.php?pid=ihvse&ihvqu=CSH
Investorshub News ~ http://ih.advfn.com/p.php?pid=news&btn=s_ok&ctl00%24sb3%24tbq1=Get+Quote&as_values_IH=&ctl00%24sb3%24stb1=Search+iHub&symbol=CSH&s_ok=OK&from_month=3&from_day=15&from_year=2012&order=desc&selsrc%5B%5D=prnca&selsrc%5B%5D=prnus&selsrc%5B%5D=zacks&selsrc%5B%5D=money2&selsrc%5B%5D=djn&selsrc%5B%5D=bw&selsrc%5B%5D=globe&selsrc%5B%5D=edgar&selsrc%5B%5D=mwus&force=1&last_ts=1331855999&p_n=1&p_count=&p_ts=1331794260


CandlestickChart ~ http://www.candlestickchart.com/cgi/chart.cgi?symbol=CSH&exchange=US


Barchart Quote ~ http://barchart.com/quotes/stocks/CSH?
Barchart Detailed Quote ~ http://barchart.com/detailedquote/stocks/CSH
Barchart Options Quotes ~ http://barchart.com/options/stocks/CSH
Barchart Technical Chart ~ http://barchart.com/charts/stocks/CSH&style=technical
Barchart Interactive Chart ~ http://barchart.com/charts/stocks/CSH&style=interactive
Barchart Technical Analysis ~ http://barchart.com/technicals/stocks/CSH
Barchart Trader's Cheat Sheet ~ http://barchart.com/cheatsheet.php?sym=CSH
Barchart Barchart Opinion ~ http://barchart.com/opinions/stocks/CSH
Barchart Snapshot Opinion ~ http://barchart.com/snapopinion/stocks/CSH
Barchart News Headlines ~ http://barchart.com/news/stocks/CSH
Barchart Profile ~ http://barchart.com/profile//CSH
Barchart Key Statistics ~ http://barchart.com/profile.php?sym=CSH&view=key_statistics


OTC: American Bulls ~ http://www.americanbulls.com/StockPage.asp?CompanyTicker=CSH&MarketTicker=OTC&TYP=S
NASDAQ: American Bulls ~ http://www.americanbulls.com/StockPage.asp?CompanyTicker=CSH&MarketTicker=NASD&TYP=S
NYSE: American Bulls ~ http://www.americanbulls.com/StockPage.asp?CompanyTicker=CSH&MarketTicker=NYSE&Typ=S


Marketwatch Profile ~ http://www.marketwatch.com/investing/stock/CSH/profile
Marketwatch Analyst Estimates ~ http://www.marketwatch.com/investing/stock/CSH/analystestimates
Marketwatch Historical Quotes ~ http://www.marketwatch.com/investing/stock/CSH/historical
Marketwatch Financials ~ http://www.marketwatch.com/investing/stock/CSH/financials
Marketwatch Overview ~ http://www.marketwatch.com/investing/stock/CSH
Marketwatch SEC Filings ~ http://www.marketwatch.com/investing/stock/CSH/secfilings
Marketwatch Picks ~ http://www.marketwatch.com/investing/stock/CSH/picks
Marketwatch Hulbert ~ http://www.marketwatch.com/investing/stock/CSH/hulbert
Marketwatch Insider Actions ~ http://www.marketwatch.com/investing/stock/CSH/insideractions
Marketwatch Options ~ http://www.marketwatch.com/investing/stock/CSH/options
Marketwatch Charts ~ http://www.marketwatch.com/investing/stock/CSH/charts
Marketwatch News ~ http://bigcharts.marketwatch.com/news/symbolsearch/symbolnews.asp?news=markadv&symb=CSH&sid=1795093&framed=False


The Lion ~ http://thelion.com/bin/aio_msg.cgi?cmd=search&msg=&si=1&tw=1&tt=1&rb=1&ih=1&fo=1&iv=1&yf=1&sa=1&fb=1&gg=1&symbol=CSH


Search NYSE ~ http://www.nyse.com/about/listed/lcddata.html?ticker=CSH


StockTA ~ http://www.stockta.com/cgi-bin/analysis.pl?symb=CSH&num1=567&cobrand=&mode=stock


StockHouse ~ http://www.stockhouse.com/financialtools/sn_overview.aspx?qm_symbol=CSH
StockHouse Delayed LII ~ http://www.stockhouse.com/financialtools/sn_level2.aspx?qm_page=46140&qm_symbol=CSH


AlphaTrade ~ http://tools.alphatrade.com/index.php?t1=mc_quote_module&t2=mc_quote_module2&t3=historical&template=historical2html&sym=CSH&client_id=2740&a_width=680&a_height=1000&language=english&showVol=1&chtype=8


Reuters ~ http://www.reuters.com/finance/stocks/companyOfficers?symbol=CSH.PK&WTmodLOC=C4-Officers-5


StockWatch ~ http://www.stockwatch.com/Quote/Detail.aspx?symbol=CSH®ion=U


Search NASDAQ ~ http://www.nasdaq.com/symbol/CSH
NASDAQ Divy History ~ http://www.nasdaq.com/symbol/CSH/dividend-history
NASDAQ Short Interest ~ http://www.nasdaq.com/symbol/CSH/short-interest
NASDAQ Institutional Ownership ~ http://www.nasdaq.com/symbol/CSH/institutional-holdings
NASDAQ FlashQuotes ~ http://www.nasdaq.com/aspx/flashquotes.aspx?symbol=CSH&selected=CSH
NASDAQ InfoQuotes ~ http://www.nasdaq.com/aspx/infoquotes.aspx?symbol=CSH&selected=CSH
NASDAQ After Hours Quote ~ http://www.nasdaq.com/symbol/CSH/after-hours
NASDAQ Pre-Market Quote ~ http://www.nasdaq.com/symbol/CSH/premarket
NASDAQ Historical Quote ~ http://www.nasdaq.com/symbol/CSH/historical
NASDAQ Option Chain ~ http://www.nasdaq.com/symbol/CSH/option-chain
NASDAQ Company Headlines ~ http://www.nasdaq.com/symbol/CSH/news-headlines
NASDAQ Press Releases ~ http://www.nasdaq.com/symbol/CSH/news-headlines
NASDAQ Sentiment ~ http://www.nasdaq.com/symbol/CSH/sentiment
NASDAQ Analyst Summary ~ http://www.nasdaq.com/symbol/CSH/analyst-research
NASDAQ Guru Analysis~ http://www.nasdaq.com/symbol/CSH/guru-analysis
NASDAQ Stock Report ~ http://www.nasdaq.com/symbol/CSH/stock-report
NASDAQ Competitors ~ http://www.nasdaq.com/symbol/CSH/competitors
NASDAQ Stock Consultant ~ http://www.nasdaq.com/symbol/CSH/stock-consultant
NASDAQ Stock Comparison ~ http://www.nasdaq.com/symbol/CSH/stock-comparison
NASDAQ Call Transcripts ~ http://www.nasdaq.com/symbol/CSH/call-transcripts
NASDAQ Annual Reports ~ http://www.nasdaq.com/aspx/annualreport.aspx?symbol=CSH&selected=CSH
NASDAQ Financials ~ http://www.nasdaq.com/symbol/CSH/financials
NASDAQ Revenue & Earnings Per Share (EPS) ~ http://www.nasdaq.com/symbol/CSH/revenue-eps
NASDAQ SEC Filings ~ http://www.nasdaq.com/symbol/CSH/sec-filings
NASDAQ Ownership Summary ~ http://www.nasdaq.com/symbol/CSH/ownership-summary
NASDAQ Institutional Ownership ~ http://www.nasdaq.com/symbol/CSH/institutional-holdings
NASDAQ (SEC Form 4) ~
--------- All Trades ~ http://www.nasdaq.com/symbol/CSH/insider-trades
--------- Buys ~ http://www.nasdaq.com/symbol/CSH/insider-trades/buys
--------- Sells ~ http://www.nasdaq.com/symbol/CSH/insider-trades/sells


The Motley Fool ~ http://caps.fool.com/Ticker/CSH.aspx
The Motley Fool Earnings/Growth ~ http://caps.fool.com/Ticker/CSH/EarningsGrowthRates.aspx?source=itxsittst0000001
The Motley Fool Ratios ~ http://caps.fool.com/Ticker/CSH/Ratios.aspx?source=itxsittst0000001
The Motley Fool Stats ~ http://caps.fool.com/Ticker/CSH/Stats.aspx?source=icasittab0000006
The Motley Fool Historical ~ http://caps.fool.com/Ticker/CSH/Historical.aspx?source=icasittab0000004
The Motley Fool Scorecard ~ http://caps.fool.com/Ticker/CSH/Scorecard.aspx?source=icasittab0000003
The Motley Fool Statements ~ http://caps.fool.com/Ticker/CSH/Statements.aspx?source=icasittab0000009


MSN Money ~ http://investing.money.msn.com/investments/stock-ratings?symbol=CSH


YCharts ~ http://ycharts.com/companies/CSH
YCharts Performance ~ http://ycharts.com/companies/CSH/performance
YCharts Dashboard ~ http://ycharts.com/companies/CSH/dashboard


InsideStocks Opinion ~ http://www.insidestocks.com/texpert.asp?sym=CSH&code=XDAILY
InsideStocks Profile ~ http://www.insidestocks.com/profile.asp?sym=CSH&code=XDAILY
InsideStocks Quote ~ http://www.insidestocks.com/quote.asp?sym=CSH&code=XDAILY
InsideStocks Projection ~ http://charts3.barchart.com/procal.asp?sym=CSH


Zacks Quote ~ http://www.zacks.com/stock/quote/CSH
Zacks Estimates ~ http://www.zacks.com/research/report.php?type=estimates&t=CSH
Zacks Company Reports ~ http://www.zacks.com/research/report.php?type=report&t=CSH


Knobias ~ http://knobias.10kwizard.com/files.php?sym=CSH


StockScores ~ http://www.stockscores.com/quickreport.asp?ticker=CSH


Trade-Ideas ~ http://www.trade-ideas.com/StockInfo/CSH/HOT_TOPIC.html


Morningstar ~ http://performance.morningstar.com/stock/performance-return.action?region=USA&t=CSH&culture=en-US
Morningstar Shareholders ~ http://investors.morningstar.com/ownership/shareholders-overview.html?t=CSH®ion=USA&culture=en-us
Morningstar Transcripts~ http://www.morningstar.com/earnings/NoTranscript.aspx?t=CSH®ion=USA
Morningstar Key Ratios ~ http://financials.morningstar.com/ratios/r.html?t=CSH®ion=USA&culture=en-US
Morningstar Executive Compensation ~ http://insiders.morningstar.com/trading/executive-compensation.action?t=CSH®ion=USA&culture=en-us
Morningstar Valuation ~ http://financials.morningstar.com/valuation/price-ratio.html?t=CSH®ion=USA&culture=en-us


CCBN (Thompson Reuters) ~ http://ccbn.aol.com/company.asp?client=aol&ticker=CSH


TradingMarkets ~ http://pr.tradingmarkets.com/?lid=leftPRbox&sym=CSH


OTCBB ~ http://www.otcbb.com/asp/SiteSearch.asp?Criteria=CSH&searcharea=e&image1.x=0&image1.y=0


Insidercow ~ http://www.insidercow.com/history/company.jsp?company=CSH&B1=Search%21


Forbes News ~ http://search.forbes.com/search/find?tab=searchtabgeneraldark&MT=CSH
Forbes Press Releases ~ http://search.forbes.com/search/find?&start=1&tab=searchtabgeneraldark&MT=CSH&pub=businesswire,prnewswire&searchResults=pressRelease&tag=pr&premium=on
Forbes Web ~ http://search.forbes.com/search/web?MT=UNGS&start=1&max=10&searchResults=web&tag=web&sort=null


YouTube Symbol Search ~ http://www.youtube.com/results?search_query=CSH


Buy-Ins ~ http://www.buyins.net/tools/symbol_stats.php?sym=CSH


Quotemedia ~ http://www.quotemedia.com/results.php?qm_page=47556&qm_symbol=CSH


Earnings Whispers ~ http://www.earningswhispers.com/stocks.asp?symbol=CSH

Bloomberg Snapshot ~ http://investing.businessweek.com/research/stocks/snapshot/snapshot.asp?ticker=CSH
Bloomberg People ~ http://investing.businessweek.com/research/stocks/people/people.asp?ticker=CSH

Financial Times ~ http://markets.ft.com/Research/Markets/Tearsheets/Summary?s=CSH

Investorpoint ~ http://www.investorpoint.com/ enter "CSH" and click search.

Hotstocked ~ http://www.hotstocked.com/ enter "CSH" and click search.

Raging Bull ~ http://ragingbull.quote.com/mboard/boards.cgi?board=CSH

Hoovers ~ http://www.hoovers.com/search/company-search-results/100003765-1.html?type=company&term=CSH

DD Machine ~ http://www.ddmachine.com/default.asp?m=stocktool_frame.asp?symbol=CSH

SEC Form 4 ~ http://www.secform4.com/insider/showhistory.php?cik=CSH

OTCBB Pulse ~ http://www.otcbbpulse.com/cgi-bin/pulsequote.cgi?symbol=CSH

Failures To Deliver ~ http://failurestodeliver.com/default2.aspx enter "CSH" and click search.

http://www.coordinatedlegal.com/SecretaryOfState.html

http://regsho.finra.org/regsho-Index.html

http://www.shortsqueeze.com/?symbol=CSH&submit=Short+Quote%99



DTCC (PENSON/TDA) Check - (otc and pinks) - Note ~ I did not check for this chart blast. However, I try and help you to do so with the following links.
IHUB DTCC BOARD SEARCH #1 http://investorshub.advfn.com/boards/msgsearchbyboard.aspx?boardID=18682&srchyr=2011&SearchStr=CSH
IHUB DTCC BOARD SEARCH #2: http://investorshub.advfn.com/boards/msgsearchbyboard.aspx?boardID=14482&srchyr=2011&SearchStr=CSH
Check those searches for recent CSH mentions. If CSH is showing up on older posts and not on new posts found in link below, The DTCC issues may have been addressed and fixed. Always call the broker if your security turns up on any DTCC/PENSON list.
http://investorshub.advfn.com/boards/msgsearchbyboard.aspx?boardID=18682&srchyr=2011&SearchStr=Complete+list
For a complete list see the pinned threads at the top here ---> http://tinyurl.com/TWO-OLD-FARTS



MACDlinks

~ Thursday! $CSH ~ Q1 Earnings posted, pending or coming soon! In Charts and Links Below!

~ $CSH ~ Earnings expected on Thursday *
Want more like this? Search Keyword: MACMONEY >>> http://tinyurl.com/MACMONEY <<<
One or more of many earnings sites has alerted this security has or will be posting earnings on or around the day of this message.








http://stockcharts.com/h-sc/ui?s=CSH&p=D&b=3&g=0&id=p88783918276&a=237480049




http://stockcharts.com/h-sc/ui?s=CSH&p=W&b=3&g=0&id=p54550695994



~ Google Finance: http://www.google.com/finance?q=CSH
~ Google Fin Options: hhttp://www.google.com/finance/option_chain?q=CSH#
~ Yahoo! Finance ~ Stats: http://finance.yahoo.com/q/ks?s=CSH+Key+Statistics
~ Yahoo! Finance ~ Profile: http://finance.yahoo.com/q/pr?s=CSH
Finviz: http://finviz.com/quote.ashx?t=CSH
~ BusyStock: http://busystock.com/i.php?s=CSH&v=2


<<<<<< http://www.earningswhispers.com/stocks.asp?symbol=CSH >>>>>>



http://investorshub.advfn.com/boards/post_prvt.aspx?user=251916

*If the earnings date is in error please ignore error. I do my best.

Experienceing a healthy pullback... as to be expected with the recent positive sentiments of the economy.

CSH - Seeking Alpha article

http://seekingalpha.com/?source=marketwatch#article/322572-slower-growth-may-be-a-good-thing-for-first-cash-financial

CSH - Insider transactions

http://openInsider.com/search?q=csh

Boy was I right! This is a cash machine!

Hoping the earnings here are huge!