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1. Summary of Significant Accounting Policies (Tables)
 9 Months Ended
Sep. 30, 2019
Accounting Policies [Abstract]  
Schedule of other Income

The following table presents the primary components of Other Income for the three-month and nine-month periods ending September 30, 2019 and 2018:

 

   Three Months Ended   Nine Months Ended 
   September 30,   September 30, 
    2019   2018    2019    2018 
    (In thousands)    (In thousands) 
Direct mail revenues  $1,121  $1,328   $3,508   $4,833 
Convenience fee revenue   600   360    1,870    1,200 
Recoveries on previously charged-off contracts   30   44    132    198 
Sales tax refunds   200   220    631    658 
Other   43   62    114    133 
Other income for the period  $1,994  $2,014   $6,255   $7,022 
Operating lease table

The following table presents the supplemental balance sheet information related to leases:

 

   Nine Months Ended,     
   September 30, 2019     
    (In thousands)      
           
Operating Leases          
Operating lease right-of-use assets  $23,555      
Less: Accumulated amortization right-of-use assets   (4,986)     
Operating lease right-of-use assets, net  $18,569      
Operating lease liabilities  $(20,005)     
Finance lease table

The following table presents the supplemental balance sheet information related to leases:

 

   Nine Months Ended,     
   September 30, 2019     
    (In thousands)      
           
Finance Leases          
Property and equipment, at cost  $545      
Less: Accumulated depreciation   (84)     
Property and equipment, net  $461      
           
Finance lease liabilities  $(447)     
Maturities of lease liabilities

The following table presents the supplemental balance sheet information related to leases:

 

   Nine Months Ended,     
   September 30, 2019     
    (In thousands)      
           
Maturities of lease liabilities were as follows:          
(In thousands)   Operating    Finance 
Year Ending December 31,   Lease    Lease 
2019 (excluding the nine months ended September 30, 2019)  $1,908   $46 
2020   7,500    183 
2021   7,391    183 
2022   6,125    60 
2023   1,389    18 
Thereafter   689    6 
Total undiscounted lease payments   25,002    496 
Less amounts representing interest   (4,997)   (49)
Lease Liability  $20,005   $447 
Leases expense included in occupancy, general and administrative on statement of operations

The following table presents the leases expense included in Occupancy, General and administrative on our Unaudited Condensed Consolidated Statement of Operations:

 

   Three Months Ended   Nine Months Ended 
   September 30,   September 30, 
    2019   2018    2019    2018 
    (In thousands)    (In thousands) 
Operating lease cost  $1,884  $1,785   $5,659   $5,290 
Finance lease cost   46   –    90    – 
Total lease cost  $1,930  $1,785   $5,749   $5,290 
Cash flow information related to leases

The following table presents the supplemental cash flow information related to leases:

 

   Three Months Ended  Nine Months Ended 
   September 30, 2019  September 30, 2019 
   (In thousands) 
Cash paid for amounts included in the measurement of lease liabilities:  $    
Operating cash flows from operating leases  $1,901  $5,678 
Operating cash flows from finance leases   37   73 
Financing cash flows from finance leases   9   17 
Schedule of stock option activity
   Number of Shares   Weighted Average Exercise   Weighted Average Remaining Contractual 
   (in thousands)   Price   Term 
             
Options outstanding at the beginning of period   14,421   $4.57    N/A 
Granted   1,490    3.53    N/A 
Exercised   (483)  0.86    N/A 
Forfeited   (75)   4.00    N/A 
Options outstanding at the end of period   15,353    4.58    3.59 years 
                
Options exercisable at the end of period   11,722   $4.87    2.94 years 
Schedule of purchases of company stock
   Nine Months Ended 
   September 30, 2019   September 30, 2018 
    Shares    Avg. Price    Shares    Avg. Price 
                     
Open market purchases   335,546   $3.95    714,898   $3.81 
Shares redeemed upon net exercise of stock options   18,424    3.76    33,599    4.37 
Other purchases   24,500    4.20    90,000    4.13 
Total stock purchases   378,470   $3.97    838,497   $3.87