CONSOLIDATED BALANCE SHEETS - USD ($)	Mar. 31, 2025	Mar. 31, 2024
ASSETS
Cash and cash equivalents	$ 9,730,296	$ 11,839,460
Gross loans receivable	1,225,635,918	1,277,149,256
Less:
Unearned interest, insurance and fees	(309,320,104)	(326,746,136)
Allowance for credit losses	(103,347,129)	(102,962,811)
Loans receivable, net	812,968,685	847,440,309
Income taxes receivable	0	3,091,229
Operating lease ROU assets, net	76,234,832	79,501,238
Property and equipment, net	19,765,788	22,897,197
Deferred income taxes, net	33,291,074	30,942,844
Other assets, net	40,871,600	42,198,242
Goodwill	7,370,791	7,370,791
Intangible assets, net	7,394,581	11,069,733
Total assets	1,007,627,647	1,056,351,043
Liabilities:
Senior notes payable	262,451,475	223,419,132
Senior unsecured notes payable, net	184,418,211	272,609,632
Income taxes payable	222,742	0
Operating lease liability	78,689,723	81,920,865
Accounts payable and accrued expenses	42,365,032	53,974,198
Total liabilities	568,147,183	631,923,827
Commitments and contingencies (Notes 9 and 16)
Shareholders' equity:
Preferred stock, no par value Authorized 5,000,000, no shares issued or outstanding	0	0
Common stock, no par value Authorized 95,000,000 shares; issued and outstanding 5,374,012 and 5,938,665 shares at March 31, 2025 and March 31, 2024, respectively	0	0
Additional paid-in capital	266,426,478	286,432,952
Retained earnings	173,053,986	137,994,264
Total shareholders' equity	439,480,464	424,427,216
Total liabilities and shareholders' equity	$ 1,007,627,647	$ 1,056,351,043

Sum of the carrying values as of the balance sheet date of obligations incurred through that date, including liabilities incurred and payable to vendors for goods and services received, taxes, interest, rent and utilities, compensation costs, payroll taxes and fringe benefits (other than pension and postretirement obligations), contractual rights and obligations, and statutory obligations.

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- Definition

Carrying amount as of the balance sheet date of the unpaid sum of the known and estimated amounts payable to satisfy all domestic and foreign income tax obligations due. This amount is the total of current and noncurrent accrued income taxes.