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CONDENSED CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($)
$ in Thousands
Jun. 30, 2021
Dec. 31, 2020
ASSETS    
Cash and cash equivalents $ 43,131 $ 13,466
Restricted cash and equivalents 155,776 130,686
Finance receivables measured at fair value 1,582,175 1,523,726
Finance receivables 340,470 492,133
Less: Allowance for finance credit losses (72,242) (80,790)
Finance receivables, net 268,228 411,343
Furniture and equipment, net 1,007 828
Deferred tax assets, net 27,131 28,512
Accrued interest receivable 3,601 5,017
Other assets 22,691 32,317
Total asset 2,103,740 2,145,895
Liabilities    
Accounts payable and accrued expenses 52,142 43,112
Warehouse lines of credit 77,044 118,999
Residual interest financing 67,153 25,426
Securitization trust debt 1,732,879 1,803,673
Subordinated renewable notes 26,005 21,323
Total liabilities 1,955,223 2,012,533
COMMITMENTS AND CONTINGENCIES
Shareholders' Equity    
Preferred Stock, Value, Issued 0 0
Common stock, no par value; authorized 75,000,000 shares; 23,055,239 and 22,737,342 shares issued and outstanding at June 30, 2021 and December 31, 2020, respectively 73,204 72,926
Retained earnings 83,884 69,007
Accumulated other comprehensive loss (8,571) (8,571)
Total stockholders’ equity 148,517 133,362
Total liability and stockholder’ equity 2,103,740 2,145,895
Series A Preferred Stock [Member]    
Shareholders' Equity    
Preferred Stock, Value, Issued 0 0
Series B Preferred Stock [Member]    
Shareholders' Equity    
Preferred Stock, Value, Issued $ 0 $ 0