<SEC-DOCUMENT>0001171843-17-007119.txt : 20171117
<SEC-HEADER>0001171843-17-007119.hdr.sgml : 20171117
<ACCEPTANCE-DATETIME>20171117090013
ACCESSION NUMBER:		0001171843-17-007119
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20171116
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20171117
DATE AS OF CHANGE:		20171117

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AMERICAS CARMART INC
		CENTRAL INDEX KEY:			0000799850
		STANDARD INDUSTRIAL CLASSIFICATION:	RETAIL-AUTO DEALERS & GASOLINE STATIONS [5500]
		IRS NUMBER:				630851141
		STATE OF INCORPORATION:			TX
		FISCAL YEAR END:			0430

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-14939
		FILM NUMBER:		171209784

	BUSINESS ADDRESS:	
		STREET 1:		802 SOUTHEAST PLAZA AVE.
		STREET 2:		SUITE 200
		CITY:			BENTONVILLE
		STATE:			AR
		ZIP:			72712
		BUSINESS PHONE:		(479) 464-9944

	MAIL ADDRESS:	
		STREET 1:		802 SOUTHEAST PLAZA AVE.
		STREET 2:		SUITE 200
		CITY:			BENTONVILLE
		STATE:			AR
		ZIP:			72712

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CROWN GROUP INC /TX/
		DATE OF NAME CHANGE:	19971022

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CROWN CASINO CORP
		DATE OF NAME CHANGE:	19931104

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SKYLINK AMERICA INC
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>f8k_111617.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<html><head><title></title></head><body><div style="margin-top: 3pt; margin-bottom: 12pt;"><div style="font-size: 1pt; border-top: Black 2.5pt solid; border-bottom: Black 1.1pt solid; width: 100%;"><font style="font-size: 10pt;">&#160;</font></div></div><p style="text-align: center;"><font style="font-size: 14pt;"><strong>UNITED STATES</strong><br><strong>SECURITIES AND EXCHANGE COMMISSION</strong><br><strong>Washington, D.C. 20549</strong><br>_____________________</font></p><p style="text-transform: uppercase; text-align: center;"><font style="font-size: 14pt;"><strong>Form 8-K</strong><br>_____________________</font></p><p style="text-align: center;"><font style="font-size: 12pt;"><strong>CURRENT REPORT</strong></font></p><p style="text-align: center;"><font style="font-size: 12pt;"><strong>Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</strong></font></p><p align="center"><font style="font-size: 10pt;">Date of Report (Date of earliest event Reported): <!--November 16, 2017-->November 16, 2017 &#160;</font></p><p align="center"><font style="font-size: 12pt;"><strong>America's Car-Mart Inc.</strong></font><br><font style="font-size: 10pt;">(Exact Name of Registrant as Specified in Charter)</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td align="center" width="33%"><font style="font-size: 10pt;"><strong>Texas</strong></font></td><td align="center" width="34%"><font style="font-size: 10pt;"><strong>0-14939</strong></font></td><td align="center" width="33%"><font style="font-size: 10pt;"><strong>63-0851141</strong></font></td></tr><tr valign="top"><td align="center" width="33%"><font style="font-size: 10pt;">(State or Other Jurisdiction of Incorporation)</font></td><td align="center" width="34%"><font style="font-size: 10pt;">(Commission File Number)</font></td><td align="center" width="33%"><font style="font-size: 10pt;">(I.R.S. Employer Identification Number)</font></td></tr></table><p><font style="font-size: 10pt;">&#160;</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="bottom"><td align="center" width="50%"><font style="font-size: 10pt;"><strong>802 SE Plaza Avenue, Suite 200, Bentonville, Arkansas 72712</strong><!----></font></td></tr><tr valign="top"><td align="center" width="50%"><font style="font-size: 10pt;">(Address of Principal Executive Offices) (Zip Code)</font></td></tr></table><p align="center"><font style="font-size: 10pt;"><strong>(479) 464-9944</strong><br>(Registrant's telephone number, including area code)</font></p><p align="center"><font style="font-size: 10pt;"><strong></strong><br>(Former name or former address, if changed since last report)</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td colspan="3"><font style="font-size: 10pt;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:<br><br></font></td></tr><tr valign="top"><td width="21"><font style="font-size: 10pt;">&#160;</font></td><td width="40"><font style="font-size: 10pt;">[ &#160; ]</font></td><td nowrap="nowrap"><font style="font-size: 10pt;">&#160;&#160;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></td></tr><tr valign="top"><td width="21"><font style="font-size: 10pt;">&#160;</font></td><td width="40"><font style="font-size: 10pt;">[ &#160; ]</font></td><td nowrap="nowrap"><font style="font-size: 10pt;">&#160;&#160;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></td></tr><tr valign="top"><td width="21"><font style="font-size: 10pt;">&#160;</font></td><td width="40"><font style="font-size: 10pt;">[ &#160; ]</font></td><td nowrap="nowrap"><font style="font-size: 10pt;">&#160;&#160;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></td></tr><tr valign="top"><td width="21"><font style="font-size: 10pt;">&#160;</font></td><td width="40"><font style="font-size: 10pt;">[ &#160; ]</font></td><td nowrap="nowrap"><font style="font-size: 10pt;">&#160;&#160;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></td></tr></table><p style="font-size: 10pt; margin: 0pt;">&#160;</p><p style="font-size: 10pt; margin: 0pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR &sect;230.405) or Rule&#160;12b-2&#160;of the Securities Exchange Act of 1934 (17 CFR&#160;&sect;240.12b-2).&#160;Emerging growth company [ &#160; &#160;]</p><p style="font-size: 10pt; margin: 0pt;">&#160;</p><p style="font-size: 10pt; margin: 0pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. [ &#160; &#160;]</p><div style="margin-top: 12pt; margin-bottom: 3pt;"><div style="font-size: 1pt; border-top: Black 1.1pt solid; border-bottom: Black 2.5pt solid; width: 100%;"><font style="font-size: 10pt;">&#160;</font></div>&#160;</div><hr style="page-break-after: always;" noshade="noshade"><p><font style="font-size: 10pt;">  <strong>  </strong></font></p><p><font style="font-size: 10pt;"><strong>Item 2.02. Results of Operations and Financial Condition.</strong></font></p><p><font style="font-size: 10pt;">
 <p align="justify">On November 16, 2017, America&#8217;s Car-Mart, Inc. issued a press release announcing its operating results for the second fiscal quarter of the fiscal year ending April 30, 2018. The press release contains certain financial, operating and other information for the period ended October 31, 2017. A copy of the press release is attached hereto as Exhibit 99.1 and incorporated herein by reference.</p>  <p align="justify">In accordance with General Instruction B.2., the information contained in Items 2.02 and 9.01 of this Form 8-K shall not be deemed to be &#8220;filed&#8221; for purposes of Section 18 of the Securities Exchange Act of 1934 nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1934, as amended. America&#8217;s Car-Mart, Inc. undertakes no obligation to update or revise this information.</p> </font></p><p><font style="font-size: 10pt;"><strong>  </strong></font></p><p><font style="font-size: 10pt;"><strong>Item 5.02. Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.</strong></font></p><p><font style="font-size: 10pt;">
 <p align="justify">On November 16, 2017, America&#8217;s Car-Mart, Inc. (&#8220;Car-Mart&#8221; or the &#8220;Company&#8221;) announced that it had appointed Vickie D. Judy to be the Company&#8217;s Chief Financial Officer effective January 1, 2018. Ms. Judy will replace Jeffrey A. Williams, who will assume the role of CEO of the Company as previously announced on August 17, 2017.</p>  <p align="justify"><font style="font-size:10pt;">Ms. Judy, age 51, has served as Principal Accounting Officer of the Company since March 2016 and Vice President of Accounting since August 2015. Since joining Car-Mart in May 2010, Ms. Judy has also served as Controller and Director of Financial Reporting. Ms. Judy is a Certified Public Accountant and prior to joining the Company her experience included approximately five years in public accounting with Arthur Andersen &amp; Co. and approximately 17 years at National Home Centers, Inc., a home improvement products and building materials retailer, most recently as Vice President of Financial Reporting. Ms. Judy will be paid an annual salary of $225,000 effective January 1, 2018.</font></p> </font></p><p><font style="font-size: 10pt;"><strong>  </strong></font></p><p><font style="font-size: 10pt;"><strong>Item 9.01. Financial Statements and Exhibits.</strong></font></p><p><font style="font-size: 10pt;">
 <p align="justify">(d)&#160; Exhibits.</p> <table style="border-collapse: collapse; "><tr><td style="vertical-align: bottom ; "><font style="font-size:10pt;"><font style="font-size:10pt;"><font style="font-size:10pt;"><a href="exh_991.htm" rel="nofollow">Exhibit 99.1</a></font></font></font></td><td style="vertical-align: bottom ; "><font style="font-size:10pt;">&#160;</font></td><td style="vertical-align: bottom ; "><font style="font-size:10pt;"><font style="font-size:10pt;"><font style="font-size:10pt;"><a href="exh_991.htm" rel="nofollow">Press release announcing operating results for the&#160;second fiscal quarter ended October 31, 2017.</a></font></font>&#160;</font></td></tr></table></font></p><p><font style="font-size: 10pt;"></font></p><p><font style="font-size: 10pt;"></font></p><hr style="page-break-after: always;" noshade="noshade"><p align="center"><font style="font-size: 10pt;"><strong>SIGNATURE</strong></font></p><p><font style="font-size: 10pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</font></p><table style="width: 100%;" border="0" cellspacing="0" cellpadding="0"><tr valign="top"><td valign="top" width="49%"><font style="font-size: 10pt;">&#160;</font></td><td style="font-size: 12pt;" colspan="2" valign="top"><font style="font-size: 10pt;"><strong>America's Car-Mart Inc.</strong></font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;">&#160;</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;"></font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">Date: November 17, 2017</font></td><td width="2%"><font style="font-size: 10pt;">By:&#160;</font></td><td style="text-decoration: underline;" width="49%"><font style="font-size: 10pt;">/s/ Jeffrey A. Williams&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;">Jeffrey A. Williams</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;">President, Chief Financial Officer and Secretary <br>(Principal Financial Officer)</font></td></tr><tr valign="top"><td width="49%"><font style="font-size: 10pt;">&#160;</font></td><td width="2%"><font style="font-size: 10pt;">&#160;</font></td><td width="49%"><font style="font-size: 10pt;"></font></td></tr></table><p>
 <hr>  <p align="center"><font style="font-size:10pt;"><strong>Exhibit Index</strong></font>&#160;</p> <table style="border-collapse: collapse; "><tr><td style="vertical-align: bottom ; "><font style="font-size:10pt;"><font style="font-size:10pt;"><font style="font-size:10pt;"><font style="font-size:10pt;"><a href="exh_991.htm" rel="nofollow">Exhibit 99.1</a></font></font></font></font></td><td style="vertical-align: bottom ; "><font style="font-size:10pt;">&#160;</font></td><td style="vertical-align: bottom ; "><font style="font-size:10pt; font-family:&quot;Times New Roman&quot;;"><font style="font-size:10pt; font-family:&quot;Times New Roman&quot;;"><font style="font-size:10pt; font-family:&quot;Times New Roman&quot;;"><a href="exh_991.htm" rel="nofollow"> Press release announcing operating results for the&#160;second fiscal quarter ended October 31, 2017.</a></font></font></font></td></tr></table></p></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>exh_991.htm
<DESCRIPTION>PRESS RELEASE
<TEXT>
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"><html lang="en-US"><head><title>EdgarFiling</title><meta content="text/html; charset=windows-1252"><meta name="GENERATOR" content="MSHTML 8.00.7601.18094"></head><body bgcolor="#ffffff"><p style="text-align: right;"><strong>EXHIBIT 99.1</strong></p><p style="text-align: center;"><strong>America's Car-Mart Reports Diluted Earnings per Share of $.79 on Revenues of $149 Million and Announces Appointment of CFO</strong></p><p style="text-align: center;"><p>
 <p align="justify">BENTONVILLE, Ark., Nov.  16, 2017  (GLOBE NEWSWIRE) -- America&#8217;s Car-Mart, Inc. (NASDAQ:CRMT) today announced its operating results for the second quarter of fiscal year 2018.<br></p>  <p align="justify"><strong><u>Highlights of second quarter operating results:</u></strong></p>  <ul type="disc"><li>Net earnings of $6.0 million &#8211; $.79 per diluted share vs. net earnings of $5.0 million &#8211; $.62 per diluted share for prior year quarter</li><li>Revenues of $149 million compared to $150 million for the prior year quarter, current quarter includes a $1.7 million increase in interest income and same store revenue increase of 0.6%</li><li>Sales volume productivity was flat with 28.4 retail units sold per store per month</li><li>Average retail sales price decreased $73 to $10,418 or 0.7% from the prior year quarter</li><li>Gross profit margin percentage increased to 42.0% from 41.4% for the prior year quarter</li><li>Collections as a percentage of average finance receivables decreased to 12.2% from 12.6% for the prior year quarter. &#160;The weighted average contract term increased to 32.5 months from 31.7 from the prior year quarter and decreased from 32.6 for the first quarter of fiscal 2018</li><li>Net Charge-offs as a percent of average finance receivables of 7.5%, down from 7.7% for prior year quarter</li><li>Accounts over 30 days past due decreased to 4.1% from 4.8% at October 31, 2016</li><li>Average percentage of finance receivables current was 80%, flat from October 31, 2016</li><li>Provision for credit losses of 29.7% of sales vs. 29.6% for prior year quarter &#160;</li><li>Selling, general and administrative expenses at 18.2% of sales vs. 17.0% for prior year quarter&#160;</li><li>Income tax benefit of $612,000 ($.08 per diluted share) related to share based compensation pursuant to accounting standard ASU 2016-09, adopted in May 2017</li><li>Active accounts base approximately 69,900, an increase of approximately 3,100 from April 30, 2017</li><li>Debt to equity of 60.8% and debt to finance receivables of 28.0% (53.1% and 26.3% at 10/31/16)</li><li>Strong cash flows supporting the $8.8 million increase in finance receivables, $577,000 increase in inventory, $345,000 in net capital expenditures and $16.4 million in common stock repurchases (406,930 shares) with a $20.3 increase in total debt</li></ul>  <p align="justify"><strong><u>Highlights of six-month operating results:</u></strong></p>  <ul type="disc"><li>Net income of $13.0 million &#8211; $1.69 per diluted share vs. net income of $12.1 million &#8211; $1.48 per diluted share for prior year period</li><li>Revenues of $296 million flat compared to the prior year period with same store revenue increase of 1.3%</li><li>Retail unit sales decrease of 1.5% to 23,769 from 24,124 for the prior year period with improved productivity at 28.3 retail units sold per store per month, up from 28.1 for the prior year period</li><li>Net Charge-offs as a percent of average finance receivables of 13.8%, down from 14.0% for prior year period</li><li>Provision for credit losses of 28.2% of sales vs. 27.7% of sales for prior year period&#160;</li><li>Income tax benefit of $784,000 ($.10 per diluted share) related to share based compensation pursuant to accounting standard ASU 2016-09, adopted in May 2017</li><li>Strong cash flows supporting the $25.6 million increase in finance receivables, $1.2 million increase in inventory, $1.0 million in net capital expenditures and $20.1 million in common stock repurchases (509,773 shares) with a $20.0 million increase in total debt</li></ul>  <p align="justify">&#8220;We are pleased with our results for the quarter and are very excited about our future. We are proud of our associates and their dedication to serving our customers at the highest levels. We will continue to get better as we stay focused on the success of our customers,&#8221; said William H. &#8220;Hank&#8221; Henderson, Chief Executive Officer of America&#8217;s Car-Mart, Inc. &#8220;This is a face-to-face, high touch business and our customers deserve great service, always. The investments we have made and continue to make in the business have been made for one reason only - to improve our offering to the customers we serve, which in turn will enhance shareholder value.&#8221;</p>  <p align="justify">&#8220;We will always look for healthy growth opportunities and believe that our business model will continue to be scaled by attracting quality people to serve as General Managers,&#8221; said Mr. Henderson.&#160; &#8220;Recruiting, training and supporting our General Managers, the face of our Company, will always be our number one priority since great customer service starts and ends with our General Managers.&#8221;</p>  <p align="justify">&#8220;It was nice to see the increase in bottom line profits for the quarter, and we will continue to improve to make our business stronger as we move forward. &#160;Selling, general, and administrative expenses as a percentage of sales did increase for the quarter as we have spent several years building an infrastructure to support a growing business. Most recently, our investments have been heavily focused on General Manager Recruitment, Training and Advancement, and Collections Support as well as improvements with our sales and marketing efforts,&#8221; said Jeff Williams, President. &#8220;Our continuing focus on solid inventory management has resulted in an increase in our gross margin percentage, and we expect continuing success with these efforts. Sales volume productivity was flat for the quarter but up sequentially. We expect productivity will continue to improve as we move forward, which will allow us to leverage our expenses.&#160; Additionally, we will be opening a new dealership in Centerton, Arkansas to take advantage of market opportunities in Northwest Arkansas.&#160; Our expectations for this dealership are high.&#8221;&#160;</p>  <p align="justify">&#8220;We repurchased 406,930 shares of common stock (5.4%) during the quarter at an average price of approximately $40. Since February 2010 we have repurchased 5.3 million shares (46%) at an average price of approximately $33. Our balance sheet is very strong with debt to finance receivables of 28%,&#8221; added Mr. Williams. &#8220;Today, our Board of Directors approved up to an additional one million shares for repurchase.&#160; We plan to continue to repurchase shares opportunistically as we move forward.&#8221;</p>  <p align="justify">&#8220;Also, today, our Board of Directors appointed Vickie D. Judy as the Company&#8217;s Chief Financial Officer effective January 1, 2018,&#8221; said Mr. Williams. &#8220;Vickie has been with the Company for over seven years, most recently as our Principal Accounting Officer, and has earned the highest respect and admiration from her co-workers as well as our business partners. We are excited for Vickie and for the additional contributions she will make to the Company in her new role.&#8221;</p>  <p align="justify"><u>Conference Call</u></p>  <p align="justify">Management will be holding a conference call on Friday, November 17, 2017 at 11:00 a.m. Eastern Time to discuss quarterly results.&#160; A live audio of the conference call will be accessible to the public by calling (877) 776-4031.&#160; International callers dial (631) 291-4132.&#160; Callers should dial in approximately 10 minutes before the call begins.&#160; A conference call replay will be available two hours following the call for thirty days and can be accessed by calling (855) 859-2056 (domestic) or (404) 537-3406 (international), conference call ID #9874799.</p>  <p align="justify"><u>About America's Car-Mart</u></p>  <p align="justify">America&#8217;s Car-Mart, Inc. (the &#8220;Company&#8221;) operates 140 automotive dealerships in eleven states and is one of the largest publicly held automotive retailers in the United States focused exclusively on the &#8220;Integrated Auto Sales and Finance&#8221; segment of the used car market.&#160; The Company emphasizes superior customer service and the building of strong personal relationships with its customers. The Company operates its dealerships primarily in small cities throughout the South-Central United States selling quality used vehicles and providing financing for substantially all of its customers.&#160; For more information, including investor presentations, on America&#8217;s Car-Mart, please visit our website at www.car-mart.com.</p>  <p align="justify">This press release contains &#8220;forward-looking statements&#8221; within the meaning of the Private Securities Litigation Reform Act of 1995.&#160; These forward-looking statements address the Company&#8217;s future objectives, plans and goals, as well as the Company&#8217;s intent, beliefs and current expectations regarding future operating performance and can generally be identified by words such as &#8220;may,&#8221; &#8220;will,&#8221; &#8220;should,&#8221; &#8220;could, &#8220;believe,&#8221; &#8220;expect,&#8221; &#8220;anticipate,&#8221; &#8220;intend,&#8221; &#8220;plan,&#8221; &#8220;foresee,&#8221; and other similar words or phrases.&#160; Specific events addressed by these forward-looking statements include, but are not limited to:</p>  <ul type="disc"><li>new dealership openings;</li><li>performance of new dealerships;</li><li>same store revenue growth;</li><li>future overall revenue growth;</li><li>the Company&#8217;s collection results, including but not limited to collections during income tax refund periods;</li><li>repurchases of the Company&#8217;s common stock; and</li><li>the Company&#8217;s business and growth strategies and plans.</li></ul>  <p align="justify">These forward-looking statements are based on the Company&#8217;s current estimates and assumptions and involve various risks and uncertainties.&#160; As a result, you are cautioned that these forward-looking statements are not guarantees of future performance, and that actual results could differ materially from those projected in these forward-looking statements.&#160; Factors that may cause actual results to differ materially from the Company&#8217;s projections include, but are not limited to:</p>  <ul type="disc"><li>the availability of credit facilities to support the Company&#8217;s business;</li><li>the Company&#8217;s ability to underwrite and collect its accounts effectively, including but not limited to collections during income tax refund periods;</li><li>competition;</li><li>dependence on existing management;</li><li>availability of quality vehicles at prices that will be affordable to customers;</li><li>changes in financing laws or regulations; and</li><li>general economic conditions in the markets in which the Company operates, including but not limited to fluctuations in gas prices, grocery prices and employment levels.</li></ul>  <p align="justify">Additionally, risks and uncertainties that may affect future results include those described from time to time in the Company&#8217;s SEC filings. The Company undertakes no obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.&#160; You are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the dates on which they are made.</p>  <p align="justify">____________________________<br><u>Contacts</u>:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; William H. (&#8220;Hank&#8221;) Henderson, CEO or Jeffrey A. Williams, President at (479) 464-9944&#160;</p> <table style=" border-collapse: collapse; width:100%;" style="border-collapse: collapse; border-collapse: collapse; border-collapse: collapse; border-collapse: collapse; border-collapse: collapse; "><tr><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="2" style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="text-align: center ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; 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">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td colspan="1" style="vertical-align: bottom;   text-align: left;   padding-left: 10.0px; vertical-align: bottom ; ">Accounts over 30 days past due</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">4.1</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">%</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; 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">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">72,822</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">0.1</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">28.2</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">27.7</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td colspan="1" style="vertical-align: bottom; 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">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr></table> <p>&#160;&#160;</p> </p><p></body></html>
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