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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 12 Months Ended
Mar. 31, 2020
Mar. 31, 2019
Cash flows from operating activities:    
Net income (loss) $ 3,466 $ (3,648)
Adjustments to reconcile net income (loss) to net cash provided by operating activities:    
Depreciation 337 380
Amortization of intangibles 55  
Amortization of debt issuance costs 429  
Amortization of operating of lease right-of-use assets 1,913  
Gain on sale of property and equipment (23) (62)
Goodwill impairment charge 295  
Repossessed assets 677 193
Provision for credit losses 16,901 32,836
Amortization of dealer discounts (8,031) (10,641)
Amortization of insurance and fee commissions (2,615) (1,797)
Accretion of purchase price discount (746)  
Deferred income taxes 3,215 (835)
Principal reduction on operating lease liabilities (1,841)  
Share-based compensation 202 80
Changes in operating assets and liabilities:    
Accrued interest receivable (275) (157)
Prepaid expenses and other assets 304 (110)
Accounts payable and accrued expenses (744) (2,046)
Income taxes receivable (3,244) (149)
Unearned insurance and fee commissions 210  
Net cash provided by operating activities 10,485 14,044
Cash flows from investing activities:    
Purchase and origination of finance receivables (89,334) (85,240)
Principal payments received 106,248 129,530
Net assets acquired from branch acquisitions, primarily loans (20,483)  
Purchase of property and equipment (130) (228)
Proceeds from sale of property and equipment 23 97
Net cash (used in) provided by investing activities (3,676) 44,159
Cash flows from financing activities:    
Repayments on credit facility (38,950) (165,750)
Proceeds from the credit facility 20,780 145,000
Payment of loan originations fees (623) (2,453)
Proceeds from exercise of stock options 5 16
Repurchases of treasury stock (979)  
Net cash used in financing activities (19,767) (23,187)
Net (decrease) increase in cash (12,958) 35,016
Cash and restricted cash, beginning of year 37,642 2,626
Cash and restricted cash, end of year 24,684 37,642
Supplemental Disclosures:    
Interest paid, includding debt originations cost, during the year 8,187 11,600
Income taxes paid during the year 6 44
Leased assets obtained in exchange for new operating lease liabilities 4,058  
Cash 16,802 35,595
Restricted cash 7,882 2,047
Cash and restricted cash, end of year $ 24,684 $ 37,642