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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
12 Months Ended
Mar. 31, 2018
Mar. 31, 2017
Mar. 31, 2016
Cash flows from operating activities:      
Net (loss) income $ (1,098) $ 5,409 $ 12,379
Adjustments to reconcile net income to net cash provided by operating activities:      
Depreciation 469 492 458
Gain on sale of property and equipment (66) (17) (24)
Impairment loss on property and equipment   350  
Provision for credit losses 37,450 37,177 26,278
Amortization of dealer discounts (11,488) (13,112) (13,811)
Amortization of commission for products (1,656) (1,754) (1,662)
Deferred income taxes 2,216 (1,956) (292)
Share-based compensation 217 607 574
Change in fair value of interest rate swap agreements 17 (222) 24
Changes in operating assets and liabilities:      
Prepaid expenses and other assets 4 328 192
Accounts payable and accrued expenses (932) 93 (2,002)
Income taxes receivable/payable (786) (126) (480)
Deferred revenues (666) 52 774
Net cash provided by operating activities 23,681 27,321 22,408
Cash flows from investing activities:      
Purchase and origination of finance contracts (101,131) (157,708) (173,027)
Principal payments received including recoveries 124,154 130,029 139,289
Decrease (increase) in assets held for resale 336 (305) (401)
Purchase of property and equipment (130) (772) (913)
Proceeds from sale of property and equipment 68 53 61
Net cash provided by (used in) investing activities 23,297 (28,703) (34,991)
Cash flows from financing activities:      
Net (pay down) proceeds from line of credit (47,250) 2,000 12,000
Increase (decrease) in drafts payable (179) 352 (977)
Payment of debt origination costs (236) (25) (25)
Proceeds from exercise of share awards 458 50 85
Excess tax benefits of stock options   11 11
Purchase of common shares     (50)
Net cash provided by (used in) financing activities (47,207) 2,388 11,044
Net increase (decrease) in cash (229) 1,006 (1,539)
Cash, beginning of year 2,855 1,849 3,388
Cash, end of year $ 2,626 2,855 1,849
Supplemental disclosure of noncash investing and financing activities:      
Tax deficiency from share awards   $ (66) $ (38)