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UNAUDITED CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Sep. 30, 2023
Dec. 31, 2022
ASSETS    
Cash and cash equivalents $ 8,306 $ 13,490
Restricted cash and equivalents 133,787 149,299
Finance receivables measured at fair value 2,671,540 2,476,617
Finance receivables 38,493 92,304
Less: Allowance for finance credit losses (4,228) (21,753)
Finance receivables, net 34,265 70,551
Furniture and equipment, net 1,295 1,660
Deferred tax assets, net 5,763 10,177
Other assets 25,892 30,974
 Total Assets 2,880,848 2,752,768
Liabilities    
Accounts payable and accrued expenses 62,309 55,421
Warehouse lines of credit 240,384 285,328
Residual interest financing 49,812 49,623
Securitization trust debt 2,243,284 2,108,744
Subordinated renewable notes 19,163 25,263
Total liabilities 2,614,952 2,524,379
COMMITMENTS AND CONTINGENCIES
Shareholders' Equity    
Common stock, no par value; authorized 75,000,000 shares; 21,113,152 and 20,131,323 shares issued and outstanding at September 30, 2023 and December 31, 2022, respectively 28,257 28,906
Retained earnings 240,670 202,514
Accumulated other comprehensive loss (3,031) (3,031)
Total stockholders’ equity 265,896 228,389
Total liability and stockholder’ equity 2,880,848 2,752,768
Preferred Stock [Member]    
Shareholders' Equity    
Preferred stock, value 0 0
Series A Preferred Stock [Member]    
Shareholders' Equity    
Preferred stock, value 0 0
Series B Preferred Stock [Member]    
Shareholders' Equity    
Preferred stock, value $ 0 $ 0