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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
12 Months Ended
Sep. 30, 2017
Sep. 30, 2016
Sep. 30, 2015
Cash flows from operating activities:      
Net income $ 411 $ 3,818 $ 5,489
Adjustments to reconcile net income to net cash provided by operating activities:      
Provision for credit losses 35,140 31,128 25,185
Consumer lending software expense 0 0 2,313
Depreciation and amortization 786 85 107
Deferred income taxes 1,203 766 5,718
Interest accrued on investment notes 1,145 2,014 2,539
Changes in:      
Voluntary remediation payable 0 0 (13,178)
Accounts payable and other liabilities 1,820 (2,129) (4,465)
Unearned debt protection fees (2,316) (82) 575
Prepaids and other assets 2,442 4,895 (1,184)
Net cash provided by operating activities 40,631 40,495 23,099
Cash flows from investing activities:      
Finance receivables customer repayments, net of purchases from affiliate 5,653 (28,442) (39,061)
Capital expenditures (928) (838) (1,721)
Investments matured and sold 0 0 350
Net cash provided by/(used in) investing activities 4,725 (29,280) (40,432)
Cash flows from financing activities:      
Borrowings under lines of credit 22,000 248,073 136,280
Repayments under lines of credit (65,000) (106,493) (120,855)
Proceeds from other borrowings 3,010 16,335 89,000
Repayment of other borrowings (7,540) (164,982) (94,477)
Capital contribution from parent 0 0 9,022
Dividends paid to parent (1,909) (474) (2,270)
Net cash (used in)/provided by financing activities (49,439) (7,541) 16,700
Net (decrease)/increase in cash and cash equivalents (4,083) 3,674 (633)
Cash and cash equivalents, Beginning of year 11,318 7,644 8,277
Cash and cash equivalents, End of year 7,235 11,318 7,644
Additional cash flow information:      
Interest paid 9,733 10,320 9,438
Income taxes (refunded)/paid (1,936) 1,896 2,134
Fixed assets in accounts payable and other liabilities $ 0 $ 0 $ 985