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CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Dec. 31, 2017
Dec. 31, 2016
ASSETS    
Cash and cash equivalents $ 12,731 $ 13,936
Restricted cash and equivalents 111,965 112,754
Finance receivables 2,304,984 2,267,943
Less: Allowance for finance credit losses (109,187) (95,578)
Finance receivables, net 2,195,797 2,172,365
Furniture and equipment, net 1,752 2,017
Deferred tax assets, net 32,446 42,845
Accrued interest receivable 46,753 36,233
Other assets 23,397 30,252
Total 2,424,841 2,410,402
Liabilities    
Accounts payable and accrued expenses 28,715 24,977
Warehouse lines of credit 112,408 103,358
Securitization trust debt 2,083,215 2,080,900
Subordinated renewable notes 16,566 14,949
Total 2,240,904 2,224,184
Commitments and contingencies
Shareholders' Equity    
Preferred stock 0 0
Common stock, no par value; authorized 75,000,000 shares; 21,488,589 and 23,587,126 shares issued and outstanding at December 31, 2017 and 2016, respectively 71,582 77,128
Retained earnings 119,537 115,772
Accumulated other comprehensive loss (7,182) (6,682)
Total stockholders' equity 183,937 186,218
Total liabilities and stockholders' equity 2,424,841 2,410,402
Series A Preferred Stock [Member]    
Shareholders' Equity    
Preferred stock 0 0
Series B Preferred Stock [Member]    
Shareholders' Equity    
Preferred stock $ 0 $ 0