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UNAUDITED CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Sep. 30, 2016
Dec. 31, 2015
ASSETS    
Cash and cash equivalents $ 11,494 $ 19,322
Restricted cash and equivalents 116,403 106,054
Finance receivables 2,257,151 1,985,093
Less: Allowance for finance credit losses (96,843) (75,603)
Finance receivables, net 2,160,308 1,909,490
Finance receivables measured at fair value 7 61
Furniture and equipment, net 1,918 1,715
Deferred tax assets, net 43,197 37,597
Accrued interest receivable 33,078 31,547
Other assets 22,630 23,139
Total 2,389,035 2,128,925
Liabilities    
Accounts payable and accrued expenses 33,563 29,509
Warehouse lines of credit 81,683 194,056
Residual interest financing 6,856 9,042
Securitization trust debt 2,073,409 1,720,021
Subordinated renewable notes 14,353 15,138
Total 2,209,864 1,967,766
COMMITMENTS AND CONTINGENCIES
Shareholders' Equity    
Common stock, no par value; authorized 75,000,000 shares; 23,765,798 and 25,616,460 shares issued and outstanding at September 30, 2016 and December 31, 2015, respectively 77,514 81,337
Retained earnings 108,307 86,472
Accumulated other comprehensive loss (6,650) (6,650)
Total stockholders' equity 179,171 161,159
Total liabilities and stockholders' equity 2,389,035 2,128,925
Series A Preferred Stock [Member]    
Shareholders' Equity    
Preferred stock, $1 par value; authorized 0 0
Series B Preferred Stock [Member]    
Shareholders' Equity    
Preferred stock, $1 par value; authorized $ 0 $ 0