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UNAUDITED CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Mar. 31, 2024
Dec. 31, 2023
ASSETS    
Cash and cash equivalents $ 13,249 $ 6,174
Restricted cash and equivalents 137,706 119,257
Finance receivables measured at fair value 2,791,373 2,722,662
Finance receivables 18,781 27,553
Less: Allowance for finance credit losses (1,890) (2,869)
Finance receivables, net 16,891 24,684
Furniture and equipment, net 1,268 1,372
Deferred tax assets, net 3,485 3,736
Other assets 42,554 25,861
Total Assets  3,006,526 2,903,746
Liabilities    
Accounts payable and accrued expenses 79,122 62,544
Warehouse lines of credit 249,522 234,025
Residual interest financing 98,968 49,875
Securitization trust debt 2,277,676 2,265,446
Subordinated renewable notes 22,140 17,188
Total Liabilities 2,727,428 2,629,078
COMMITMENTS AND CONTINGENCIES
Shareholders' Equity    
Common stock, no par value; authorized 75,000,000 shares; 21,147,743 and 21,174,856 shares issued and outstanding at March 31, 2024 and December 31, 2023, respectively 28,518 28,678
Retained earnings 252,447 247,857
Accumulated other comprehensive loss (1,867) (1,867)
Total stockholders' equity 279,098 274,668
Total liabilities and stockholders' equity 3,006,526 2,903,746
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