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(1) Summary of Significant Accounting Policies (Tables) | 3 Months Ended
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Mar. 31, 2022
Accounting Policies [Abstract] |
Schedule of other income |
Schedule of other income |  |  |  |  |  |  |  |
|  | Three Months Ended |
|  | March 31, |
|  | 2022 |  |  | 2021 |
|  | (In thousands) |
Direct mail revenues |  | $ | 774 |  |  | $ | 979 |
Convenience fee revenue |  |  | 80 |  |  |  | 240 |
Recoveries on previously charged-off contracts |  |  | 20 |  |  |  | 15 |
Sales tax refunds |  |  | 144 |  |  |  | 171 |
Other |  |  | 888 |  |  |  | 31 |
Other income for the period |  | $ | 1,906 |  |  | $ | 1,436 |
Supplemental balance sheet information related to leases |
Supplemental balance sheet information related to leases |  |  |  |  |  |  |  |
|  | March 31, |  |  | December 31, |
|  | 2022 |  |  | 2021 |
|  | (In thousands) |
Operating Leases |  |  |  |  |  |  |  |
Operating lease right-of-use assets |  | $ | 25,820 |  |  | $ | 25,819 |
Less: Accumulated amortization right-of-use assets |  |  | (18,972 | ) |  |  | (17,624 | )
Operating lease right-of-use assets, net |  | $ | 6,848 |  |  | $ | 8,195 |
Operating lease liabilities |  | $ | (7,684 | ) |  | $ | (9,058 | )
Finance Leases |  |  |  |  |  |  |  |
Property and equipment, at cost |  | $ | 3,407 |  |  | $ | 3,407 |
Less: Accumulated depreciation |  |  | (2,620 | ) |  |  | (2,348 | )
Property and equipment, net |  | $ | 787 |  |  | $ | 1,059 |
Finance lease liabilities |  | $ | (842 | ) |  | $ | (1,124 | )
Weighted Average Discount Rate |  |  |  |  |  |  |  |
Operating lease |  |  | 5.0% |  |  |  | 5.0% |
Finance lease |  |  | 6.5% |  |  |  | 6.5% |
(1) Summary of Significant Accounting Policies (Details - Maturities of lease liabilities) |
Maturities of leases |  |  |  |  |  |  |  |
Maturities of lease liabilities were as follows: |  |  |  |  |  |  |  |
(In thousands) |  |  | Operating |  |  |  | Finance |
Year Ending March 31, |  |  | Lease |  |  |  | Lease |
2022 |  | $ | 4,644 |  |  | $ | 752 |
2023 |  |  | 1,888 |  |  |  | 84 |
2024 |  |  | 920 |  |  |  | 26 |
2025 |  |  | 795 |  |  |  | 9 |
2026 |  |  | 501 |  |  |  | – |
Thereafter |  |  | 1,160 |  |  |  | – |
Total undiscounted lease payments |  |  | 9,908 |  |  |  | 871 |
Less amounts representing interest |  |  | (2,224 | ) |  |  | (29 | )
Lease Liability |  | $ | 7,684 |  |  | $ | 842 |
Lease information |
Lease information |  |  |  |  |  |  |  |
|  | Three Months Ended |
|  | March 31, |
|  | 2022 |  |  | 2021 |
|  | (In thousands) |
Operating lease cost |  | $ | 1,761 |  |  | $ | 1,837 |
Finance lease cost |  |  | 298 |  |  |  | 308 |
Total lease cost |  | $ | 2,059 |  |  | $ | 2,145 |
Supplemental cash flow information related to leases |
Supplemental cash flow information related to leases |  |  |  |  |  |  |  |
|  | Three Months Ended |
|  | March 31, |
|  | 2022 |  |  | 2021 |
Cash paid for amounts included in the measurement of lease liabilities: |  | (In thousands) |
Operating cash flows from operating leases |  | $ | 1,788 |  |  | $ | 1,930 |
Operating cash flows from finance leases |  |  | 282 |  |  |  | 274 |
Financing cash flows from finance leases |  |  | 16 |  |  |  | 35 |
Share-based Payment Arrangement, Option, Activity |
Share-based Payment Arrangement, Option, Activity |  |  |  |  |  |  |  |  |
|  | Number of Shares (in thousands) |  |  | Weighted Average Exercise Price |  |  | Weighted Average Remaining Contractual Term
Options outstanding at the beginning of period |  | 13,074 |  |  | $ | 4.54 |  |  | N/A
Granted |  | 750 |  |  |  | 10.32 |  |  | N/A
Exercised |  | (1,366 | ) |  |  | 4.29 |  |  | N/A
Forfeited |  | (430 | ) |  |  | 7.51 |  |  | N/A
Options outstanding at the end of period |  | 12,028 |  |  | $ | 4.82 |  |  | 3.18 years
Options exercisable at the end of period |  | 8,068 |  |  | $ | 4.74 |  |  | 2.00 years
Schedule of stock options outstanding and exercisable |
Schedule of stock options outstanding and exercisable |  |  |  |  |  |  |  |  |
|  | Number of shares as of |  | Number of shares as of |
|  | March 31, 2022 |  | December 31, 2021 |
|  | Outstanding |  | Exercisable |  | Outstanding |  | Exercisable |
Range of exercise prices: |  | (In thousands) |  | (In thousands) |
$0.95 - $1.99 |  | 34 |  | 34 |  | 577 |  | 577 |
$2.00 - $2.99 |  | 1,517 |  | 489 |  | 1,517 |  | 489 |
$3.00 - $3.99 |  | 4,172 |  | 3,270 |  | 4,285 |  | 3,382 |
$4.00 - $4.99 |  | 2,847 |  | 1,567 |  | 2,870 |  | 1,410 |
$5.00 - $5.99 |  | – |  | – |  | – |  | – |
$6.00 - $6.99 |  | 1,933 |  | 1,933 |  | 2,651 |  | 2,652 |
$7.00 - $7.99 |  | 775 |  | 775 |  | 1,175 |  | 1,175 |
$8.00 - $11.00 |  | 750 |  | – |  | – |  | – |
Total shares |  | 12,028 |  | 8,068 |  | 13,074 |  | 9,685 |
Schedule of purchases of company stock |
Schedule of purchases of company stock |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Three Months Ended |
|  | March 31, 2022 |  |  | March 31, 2021 |
|  |  | Shares |  |  |  | Avg. Price |  |  |  | Shares |  |  |  | Avg. Price |
Open market purchases |  |  | 922,363 |  |  | $ | 11.19 |  |  |  | 138,004 |  |  | $ | 4.18 |
Shares redeemed upon net exercise of stock options |  |  | 295,088 |  |  |  | 12.68 |  |  |  | 40,727 |  |  |  | 4.36 |
Total stock purchases |  |  | 1,217,451 |  |  | $ | 11.55 |  |  |  | 178,731 |  |  | $ | 4.22 |

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- Definition Tabular disclosure of lessee's lease cost. Includes, but is not limited to, interest expense for finance lease, amortization of right-of-use asset for finance lease, operating lease cost, short-term lease cost, variable lease cost and sublease income. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 842 -SubTopic 20 -Section 50 -Paragraph 4 -URI https://asc.fasb.org/extlink&oid=128292326&loc=SL77918686-209980 + Details
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