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Consolidated Statements of Cash Flows (Unaudited) (USD $)
In Thousands, unless otherwise specified
6 Months Ended
Oct. 31, 2011
Oct. 31, 2010
Net income $ 16,041 $ 14,154
Adjustments to reconcile net income from operations to net cash provided by operating activities:    
Provision for credit losses 41,157 34,905
Losses on claims for payment protection plan 2,735 2,217
Depreciation and amortization 1,103 920
Amortization of debt issuance costs 88  
Loss on sale of property and equipment 15 59
Stock based compensation 1,200 1,564
Unrealized loss for change in fair value of interest rate swap   283
Deferred income taxes 2,224 1,088
Change in operating assets and liabilities:    
Finance receivable originations (175,333) (151,030)
Finance receivable collections 92,989 87,933
Accrued interest on finance receivables (268) (252)
Inventory 13,173 10,889
Prepaid expenses and other assets 643 (1,230)
Accounts payable and accrued liabilities 860 (560)
Deferred payment protection plan revenue 804 368
Income taxes, net 1,384 (162)
Excess tax benefit from share based compensation 69  
Net cash provided by operating activities (1,116) 1,146
Investing Activities:    
Purchase of property and equipment (2,029) (2,249)
Proceeds from sale of property and equipment   4
Net cash used in investing activities (2,029) (2,245)
Financing Activities:    
Exercise of stock options and warrants 513  
Excess tax benefits from stock based compensation 69  
Issuance of common stock 53 50
Purchase of common stock (26,426) (11,038)
Dividend payments (20) (20)
Change in cash overdrafts 165 (381)
Principal payments on note payable   (460)
Proceeds from revolving credit facilities 85,612 61,974
Payments on revolving credit facilities (56,714) (49,068)
Net cash used in financing activities 3,252 1,057
Increase (decrease) in cash and cash equivalents 107 (42)
Cash and cash equivalents, beginning of period 223 268
Cash and cash equivalents, end of period $ 330 $ 226