CONSOLIDATED BALANCE SHEETS (USD $) In Thousands, unless otherwise specified	Dec. 31, 2012	Dec. 31, 2011
ASSETS
Cash and cash equivalents	$ 12,966	$ 10,094
Restricted cash and equivalents	104,445	159,228
Finance receivables	764,343	516,630
Less: Allowance for finance credit losses	(19,594)	(10,351)
Finance receivables, net	744,749	506,279
Finance receivables measured at fair value	59,668	160,253
Residual interest in securitizations	4,824	4,414
Furniture and equipment, net	726	875
Deferred financing costs	9,140	8,036
Deferred tax assets, net	75,640	15,000
Accrued interest receivable	10,411	6,432
Other assets	15,051	19,439
Total	1,037,620	890,050
LIABILITIES AND SHAREHOLDERS' EQUITY
Accounts payable and accrued expenses	17,785	27,993
Warehouse lines of credit	21,731	25,393
Residual interest financing	13,773	21,884
Debt secured by receivables measured at fair value	57,107	166,828
Securitization trust debt	792,497	583,065
Senior secured debt, related party	50,135	58,344
Subordinated renewable notes	23,281	20,750
Total	976,309	904,257
COMMITMENTS AND CONTINGENCIES
Shareholders' Equity
Preferred stock, $1 par value; authorized 4,998,130 shares; none issued Series A preferred stock, $1 par value; authorized 5,000,000 shares; none issued Series B preferred stock, $1 par value; authorized 1,870 shares; none issued and outstanding at December 31, 2012 and 2011, respectively	0	0
Common stock, no par value; authorized 75,000,000 shares; 19,838,913 and 19,526,968 shares issued and outstanding at December 31, 2012 and 2011, respectively	65,678	62,466
Retained earnings (accumulated deficit)	1,270	(68,138)
Accumulated other comprehensive loss	(5,637)	(8,535)
Total	61,311	(14,207)
Total	1,037,620	890,050
Series A Preferred Stock [Member]
Shareholders' Equity
Preferred stock, $1 par value; authorized 4,998,130 shares; none issued Series A preferred stock, $1 par value; authorized 5,000,000 shares; none issued Series B preferred stock, $1 par value; authorized 1,870 shares; none issued and outstanding at December 31, 2012 and 2011, respectively	0	0
Series B Preferred Stock [Member]
Shareholders' Equity
Preferred stock, $1 par value; authorized 4,998,130 shares; none issued Series A preferred stock, $1 par value; authorized 5,000,000 shares; none issued Series B preferred stock, $1 par value; authorized 1,870 shares; none issued and outstanding at December 31, 2012 and 2011, respectively	$ 0	$ 0