1. Summary of Significant Accounting Policies (Tables)

6 Months Ended

Jun. 30, 2019

Accounting Policies [Abstract]

Schedule of other Income

The following table presents the primary components of Other Income for the three-month and six-month periods ending June 30, 2019 and 2018:

	Three Months Ended				Six Months Ended
	June 30,				June 30,
		2019		2018		2019		2018
		(In thousands)				(In thousands)
Direct mail revenues	$	1,051	$	1,708	$	2,387	$	3,504
Convenience fee revenue		570		390		1,270		840
Recoveries on previously charged-off contracts		45		36		102		154
Sales tax refunds		204		204		431		438
Other		6		12		71		72
Other income for the period	$	1,876	$	2,350	$	4,261	$	5,008

Operating lease table

	Six Months Ended,
	June 30, 2019
		(In thousands)
Operating Leases
Operating lease right-of-use assets	$	23,555
Less: Accumulated amortization right-of-use assets		(3,348	)
Operating lease right-of-use assets, net	$	20,207
Operating lease liabilities	$	(21,660	)

Finance lease table

	Six Months Ended,
	June 30, 2019
Finance Leases
Property and equipment, at cost	$	545
Less: Accumulated depreciation		(42	)
Property and equipment, net	$	503
Finance lease liabilities	$	(485	)

Maturities of lease liabilities

	Six Months Ended,
	June 30, 2019
		(In thousands)
Maturities of lease liabilities were as follows:
(In thousands)		Operating		Finance
Year Ending December 31,		Lease		Lease
2019 (excluding the six months ended June 30, 2019)		3,809		91
2020		7,500		183
2021		7,391		183
2022		6,125		60
2023		1,389		18
Thereafter		689		6
Total undiscounted lease payments		26,903		541
Less amounts representing interest		(5,243	)	(56	)
Lease Liability		21,660		485

Leases expense included in occupancy, general and administrative on statement of operations

The following table presents the leases expense included in Occupancy, General and administrative on our Unaudited Condensed Consolidated Statement of Operations:

	Three Months Ended				Six Months Ended
	June 30,				June 30,
		2019		2018		2019		2018
		(In thousands)				(In thousands)
Operating lease cost	$	1,886	$	1,795	$	3,775	$	3,505
Finance lease cost		44		–		44		–
Total lease cost	$	1,930	$	1,795	$	3,819	$	3,505

Cash flow information related to leases

The following table presents the supplemental cash flow information related to leases:

	Three Months Ended		Six Months Ended
	June 30, 2019		June 30, 2019
	(In thousands)
Cash paid for amounts included in the measurement of lease liabilities:	$
Operating cash flows from operating leases	$	1,890	$	3,776
Operating cash flows from finance leases		36		36
Financing cash flows from finance leases		8		8

Schedule of stock option activity

The following represents stock option activity for the six months ended June 30, 2019:

						Weighted
	Number			Weighted		Average
	of			Average		Remaining
	shares			Exercise		Contractual
	(in thousands)			Price		Term
Options outstanding at the beginning of period		14,421		$	4.57		N/A
Granted		–			–		N/A
Exercised		(483	)		0.86		N/A
Forfeited		–			–		N/A
Options outstanding at the end of period		13,938		$	4.69		3.52 years
Options exercisable at the end of period		11,742		$	4.87		3.22 years

Schedule of purchases of company stock

The table below describes the purchase of our common stock for the six-month ended June 30, 2019 and 2018:

	Six Months Ended
	June 30, 2019				June 30, 2018
		Shares		Avg. Price		Shares		Avg. Price
Open market purchases		335,546	$	3.95		714,898	$	3.81
Shares redeemed upon net exercise of stock options		18,424		3.76		33,599		4.37
Other purchases		24,500		4.20		90,000		4.13
Total stock purchases		378,470	$	3.97		838,497	$	3.87