(9) Income Taxes (Tables)

12 Months Ended

Dec. 31, 2022

Income Tax Disclosure [Abstract]

Schedule of income tax expense

	Year Ended December 31,
	2022		2021		2020
	(In thousands)
Current federal tax expense	$	16,946	$	8,992	$	(23,576	)
Current state tax expense		3,352		2,845		472
Deferred federal tax expense		5,573		3,012		18,937
Deferred state tax expense		4,339		3,373		2,610
Income tax expense	$	30,210	$	18,222	$	(1,557	)

Schedule of reconciliation of income taxes

	Year Ended December 31,
	2022			2021			2020
	(In thousands)
Expense at federal tax rate	$	24,401		$	13,807		$	4,225
State taxes, net of federal income tax effect		6,462			3,974			1,505
Stock-based compensation		(2,611	)		(947	)		35
Non-deductible expenses		1,056			1,129			974
Net operating loss carryback		–			(1,694	)		(9,435	)
Effect of change in tax rate		–			–			–
Accounting method change		–			–			–
Other		902			1,953			1,139
	$	30,210		$	18,222		$	(1,557	)

Schedule of deferred tax assets and liabilities

	December 31,
	2022			2021
	(In thousands)
Deferred Tax Assets:
Finance receivables	$	4,870		$	10,644
Accrued liabilities		1,708			1,694
NOL carryforwards		450			2,070
Built in losses		2,024			2,679
Pension accrual		–			–
Stock compensation		2,172			3,584
Lease liability		1,711			2,737
Other		–			–
Total deferred tax assets	$	12,935		$	23,408
Deferred Tax Liabilities:
Finance receivables	$	–		$	–
Deferred loan costs		–			–
Pension accrual		(752	)		(1,026	)
Lease right-of-use assets		(1,572	)		(2,487	)
Furniture and equipment and other		(434	)		(320	)
Total deferred tax liabilities		(2,758	)		(3,833	)
Net deferred tax asset	$	10,177		$	19,575