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UNAUDITED CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Sep. 30, 2021
Dec. 31, 2020
ASSETS    
Cash and cash equivalents $ 28,799 $ 13,466
Restricted cash and equivalents 144,966 130,686
Finance receivables measured at fair value 1,667,193 1,523,726
Finance receivables 282,640 492,133
Less: Allowance for finance credit losses (68,724) (80,790)
Finance receivables, net 213,916 411,343
Furniture and equipment, net 1,121 828
Deferred tax assets, net 25,366 28,512
Accrued interest receivable 2,930 5,017
Other assets 22,308 32,317
Total asset 2,106,599 2,145,895
Liabilities    
Accounts payable and accrued expenses 51,921 43,112
Warehouse lines of credit 97,768 118,999
Residual interest financing 64,589 25,426
Securitization trust debt 1,703,465 1,803,673
Subordinated renewable notes 27,462 21,323
Total liabilities 1,945,205 2,012,533
COMMITMENTS AND CONTINGENCIES
Shareholders' Equity    
Preferred Stock, Value, Issued 0 0
Common stock, no par value; authorized 75,000,000 shares; 23,000,200 and 22,737,342 shares issued and outstanding at September 30, 2021 and December 31, 2020, respectively 72,399 72,926
Retained earnings 97,566 69,007
Accumulated other comprehensive loss (8,571) (8,571)
Total stockholders’ equity 161,394 133,362
Total liability and stockholder’ equity 2,106,599 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