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Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
3 Months Ended
Jun. 30, 2019
Jun. 30, 2018
Cash flows from operating activities    
Net income $ 591 $ 1,420
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation 87 103
Amortization of intangibles 14  
Gain on sale of property and equipment (7)  
Provision for credit losses 4,385 5,426
Amortization of dealer discounts (2,063) (2,247)
Amortization of insurance and fee commissions (1,047) (538)
Accretion of purchase price discount (404)  
Deferred income taxes 206 323
Share-based compensation 34 60
Changes in operating assets and liabilities:    
Accrued interest receivable (269) 33
Increase in repossessed assets (8) (70)
Prepaid expenses and other assets 283 (69)
Accounts payable and accrued expenses (535) 505
Income taxes receivable (15) 249
Unearned insurance and fee commissions 111 (50)
Net cash provided by operating activities 1,363 5,145
Cash flows from investing activities    
Purchase and origination of finance receivables (21,110) (22,173)
Principal payments received 33,110 32,785
Net assets acquired from branch acquisitions, primarily loans (20,501)  
Purchase of property and equipment (14) (15)
Proceeds from sale of property and equipment 7  
Net cash (used in) provided by investing activities (8,508) 10,597
Cash flows from financing activities    
Repayments on credit facility (8,000) (14,750)
Proceeds from the credit facility 12,000  
Change in drafts payable 163 1,492
Payment of loan origination fees (143) (200)
Proceeds from exercise of stock options   71
Net cash provided by (used in) financing activities 4,020 (13,387)
Net (decrease) increase in cash (3,125) 2,355
Cash, beginning of period 37,642 2,626
Cash, end of period $ 34,517 $ 4,981