Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Cash flows from operating activities:
Net income	$ 8,351	$ 3,466
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	231	337
Amortization of intangibles	13	55
Amortization of debt issuance costs	429	429
Amortization of operating of lease right-of-use assets	1,593	1,913
Gain on sale of property and equipment	(13)	(23)
Goodwill impairment charge		295
Purchases of equity investments	(4,142)
Proceeds from equity investments	5,951
Realized gains on equity investments	(1,809)
Repossessed assets	655	677
Provision for credit losses	7,250	16,901
Amortization of dealer discounts	(6,421)	(8,031)
Amortization of insurance and fee commissions	(2,370)	(2,615)
Accretion of purchase price discount	(551)	(746)
Deferred income taxes	1,626	3,215
Principal reduction on operating lease liabilities	(1,193)	(1,841)
Share-based compensation	197	202
Changes in operating assets and liabilities:
Accrued interest receivable	879	(275)
Prepaid expenses and other assets	(145)	304
Accounts payable and accrued expenses	(373)	(744)
Income taxes receivable	4,245	(3,244)
Unearned insurance and fee commissions	220	210
Net cash provided by operating activities	14,623	10,485
Cash flows from investing activities:
Purchase and origination of finance receivables	(88,173)	(89,334)
Principal payments received	118,629	106,248
Net assets acquired from branch acquisitions, primarily loans		(20,483)
Purchase of property and equipment	(615)	(130)
Proceeds from sale of property and equipment	20	23
Net cash provided by (used in) investing activities	29,861	(3,676)
Cash flows from financing activities:
Repayments on credit facility	(38,530)	(38,950)
Proceeds from the credit facility		20,780
Payment of loan originations fees		(623)
Proceeds from PPP Loan	3,244
Proceeds from exercise of stock options	0	5
Repurchases of treasury stock	(905)	(979)
Net cash used in financing activities	(36,191)	(19,767)
Net increase (decrease) in cash	8,293	(12,958)
Cash and restricted cash, beginning of year	24,684	37,642
Cash and restricted cash, end of year	32,977	24,684
Supplemental Disclosures:
Interest paid, including debt originations cost, during the year	5,714	8,187
Income taxes paid during the year	1,357	6
Leased assets obtained in exchange for new operating lease liabilities	2,067	4,058
Cash	22,022	16,802
Restricted cash	10,955	7,882
Cash and restricted cash, end of year	$ 32,977	$ 24,684