Finance Receivables (Tables)

3 Months Ended

Jun. 30, 2012

Receivables [Abstract]

Schedule of finance receivables consisting of automobile finance installment contracts and direct loans

	June 30, 2012			March 31, 2012
Finance receivables, gross contract	$	392,707,600		$	388,988,355
Unearned interest		(111,903,123	)		(110,651,966	)
Finance receivables, net of unearned interest		280,804,477			278,336,389
Allowance for credit losses		(36,207,458	)		(35,987,868	)
Finance receivables, net	$	244,597,019		$	242,348,521

Schedule of reconciliation of the changes in the allowance for credit losses on Contracts

	Three months ended June 30,
	2012			2011
Balance at beginning of period	$	35,495,684		$	35,895,449
Discounts acquired on new volume		3,100,938			3,109,811
Current period provision		(79,218	)		(808	)
Losses absorbed		(3,659,844	)		(3,016,634	)
Recoveries		788,616			562,868
Discounts accreted		(521	)		(16,254	)
Balance at end of period	$	35,645,655		$	36,534,432

Schedule of reconciliation of the changes in the allowance for credit losses on consumer loans

	Three months ended June 31,
	2012			2011
Balance at beginning of period	$	492,184		$	378,418
Current period provision		89,590			80,223
Losses absorbed		(25,092	)		(18,446	)
Recoveries		5,121			7,076
Balance at end of period	$	561,803		$	447,271

Schedule of the credit quality by creditworthiness

	June 30, 2012				June 30, 2011
	Contracts		Direct Loans		Contracts		Direct Loans
Non-bankrupt accounts	$	385,187,643	$	7,095,917	$	374,699,934	$	5,151,901
Bankrupt accounts		424,040		—		373,547		—
Total	$	385,611,683	$	7,095,917	$	375,073,481	$	5,151,901
Performing accounts	$	381,589,798	$	7,072,301	$	372,179,788	$	5,134,590
Non-performing accounts		4,021,885		23,616		2,893,693		17,311
Total	$	385,611,683	$	7,095,917	$	375,073,481	$	5,151,901

Schedule fo the information regarding the delinquency rates

			Delinquencies
Contracts	Gross Balance Outstanding		31 – 60 days			61 – 90 days			Over 90 days			Total
June 30, 2012	$	385,611,683	$	12,745,275		$	3,216,955		$	804,930		$	16,767,160
				3.31	%		0.83	%		0.21	%		4.35	%
June 30, 2011	$	375,073,481	$	9,690,976		$	2,286,127		$	607,566		$	12,584,669
				2.59	%		0.60	%		0.16	%		3.35	%
Direct Loans	Gross Balance Outstanding		31 – 60 days			61 – 90 days			Over 90 days			Total
June 30, 2012	$	7,095,917	$	78,044		$	19,390		$	4,226		$	101,660
				1.10	%		0.27	%		0.06	%		1.43	%
June 30, 2011	$	5,151,901	$	53,069		$	17,219		$	92		$	70,380
				1.03	%		0.33	%		0.00	%		1.36	%