Pay vs Performance Disclosure

12 Months Ended

Dec. 31, 2023

USD ($)

$ / shares

Dec. 31, 2022

USD ($)

$ / shares

Dec. 31, 2021

USD ($)

$ / shares

Dec. 31, 2020

USD ($)

$ / shares

Pay vs Performance Disclosure [Table]

Disclosure - Pay vs Performance Disclosure

Year	Summary Compensation Table Total for PEO (1)		Compensation Actually Paid to PEO (1) (2)		Average Summary Compensation Table Total for Non-PEO NEOs (1)		Average Compensation Actually Paid to Non-PEO NEOs (1)(2)			Value of Initial Fixed $100 Investment Based On:				Net Income		Diluted EPS (4)
										Total Shareholder Return (3)		Peer Group Total Shareholder Return (3)
(a)	(b)		(c)		(d)		(e)			(f)		(g)		(h)		(i)
2023	$	4,000,342	$	4,586,692	$	836,241	$	998,575		$	105.88	$	197.35	$	45,343,000	$	1.80
2022		10,861,201		4,422,946		979,271		(33,768	)		262.61		160.79		85,983,000		3.23
2021		4,690,660		10,294,090		1,023,185		2,586,673			351.63		191.16		47,524,000		1.84
2020		3,914,056		5,093,755		905,150		1,331,479			125.82		108.15		21,677,000		0.90

Named Executive Officers, Footnote [Text Block]

(1) In each year identified, our PEO was Mr. Bradley. For the fiscal year ended December 31, 2023, our non-PEO NEOs were Mr. Lavin, Mr. Bharwani, Ms. Robinson, and Ms. Straten. For the fiscal year ended December 31, 2022, our non-PEO NEOs were Mr. Lavin, Mr. Bharwani, Ms. Robinson, Ms. Straten, and Mr. Fritz. For the fiscal years ended December 31, 2020 and 2021, our non-PEO NEOs were Mr. Fritz, Mr. Lavin, Ms. Robinson, and Ms. Straten.

Peer Group Issuers, Footnote [Text Block]

(3)	Total Shareholder Return assumes $100 was invested in our common stock and in a peer group on December 31, 2019 and assumes the reinvestment of dividends and is cumulative for the measurement periods beginning on that date and ending on the last fiscal day in 2023, 2022, 2021, and 2020, respectively. The peer group is represented by the Nasdaq OMX Financial Services Index.
(4)	In the Company’s assessment as required by Item 402(v), Diluted EPS is the financial performance measure that is the most important financial performance measure (other than total shareholder return and net income) used by the Company for the most recently completed fiscal year to link CAP to performance.

Summary Compensation Total

^[1]

$ 4,000,342

$ 10,861,201

$ 4,690,660

$ 3,914,056

Compensation Actually Paid

^[1],[2]

$ 4,586,692

4,422,946

10,294,090

5,093,755

Adjustment To PEO Compensation, Footnote [Text Block]

(2) The table below describes adjustments made to the calculation of CAP in accordance with Item 402(v) of Regulation S-K, to the amounts previously reported in the SCT. The adjustments are as follows:

	PEO			PEO			PEO			PEO			Average for Non-PEO NEOs		Average for Non-PEO NEOs			Average for Non-PEO NEOs			Average for Non-PEO NEOs
Fiscal Year	2023			2022			2021			2020			2023		2022			2021			2020
Summary Compensation Table Total	$	4,000,342		$	10,861,201		$	4,690,660		$	3,914,056		$	836,241	$	979,271		$	1,023,185		$	905,150
Deduct Amounts Reported under the “Option Awards” in the SCT		–			(5,885,850	)		(795,300	)		(318,696	)		–		(268,920	)		(198,825	)		(132,790	)
Add the fair value as of the end of the covered fiscal year of all awards granted during the covered fiscal year that are outstanding and unvested as of the end of the covered fiscal year		–			(1,280,850	)		1,836,900			357,120			–		(70,578	)		459,225			148,800
Add the amount equal to the change as of the end of the covered fiscal year (from the end of the prior fiscal year) in fair value (whether positive or negative) of any awards granted in any prior fiscal year that are outstanding and unvested as of the end of the covered fiscal year		(187,830	)		2,212,695			4,467,225			1,170,000			10,655		(798,133	)		1,273,656			417,500
Add, for awards that are granted and vest in the same year, the fair value as of the vesting date		–			–			–			–			–		–			–			–
Add the amount equal to the change as of the vesting date (from the end of the prior fiscal year) in fair value (whether positive or negative) of any awards granted in any prior fiscal year for which all applicable vesting conditions were satisfied at the end of or during the covered fiscal year		774,180			451,695			94,605			(28,725	)		151,679		124,592			29,431			(7,181	)
Subtract, for any awards granted in any prior fiscal year that fail to meet the applicable vesting conditions during the covered fiscal year, the amount equal to the fair value at the end of the prior fiscal year		–			(1,935,945	)		–			–			–		–			–			–
Compensation Actually Paid	$	4,586,692		$	4,422,946		$	10,294,090		$	5,093,755		$	998,575	$	(33,768	)	$	2,586,673		$	1,331,479

Average Total Compensation Amount for Non-PEO NEO

^[1]

$ 836,241

979,271

1,023,185

905,150

Compensation Actually Paid

^[1],[2]

$ 998,575

(33,768)

2,586,673

1,331,479

Relationship Between Compensation Actually Paid and Cumulative Total Shareholder Return (Company and Peer Group)

Relationship Between Compensation Actually Paid and Cumulative Total Shareholder Return (Company and Peer Group)

The graph below shows the relationship between (A) (i) the CAP to our PEO and the average CAP to the non-PEO NEOs, and (ii) the Company’s total shareholder returns, and (B) the Company’s total shareholder return versus the peer group’s total shareholder returns across the last four completed fiscal years.

Relationship Between Compensation Actually Paid and Net Income

Relationship Between Compensation Actually Paid and Net Income

The graph below shows the relationship between (i) the CAP to our PEO and the average CAP to the non-PEO NEOs, and (ii) the Company’s net income during the last four completed fiscal years.

Relationship Between Compensation Actually Paid and Diluted EPS

Relationship Between Compensation Actually Paid and Diluted EPS

The graph below shows the relationship between (i) the CAP to our PEO and the average CAP to the non-PEO NEOs, and (ii) the Diluted EPS.

Financial Performance Measures

Financial Performance Measures

In accordance with Item 402(v) of Regulation S-K below is an unranked list of financial performance measures which in our assessment represents the most important financial measures used by the Company to link CAP to the PEO and non-PEO NEOs for the most recently completed fiscal year.

Total Shareholder Return Amount

^[3]

$ 105.88

262.61

351.63

125.82

Peer Group Total Shareholder Return Amount

^[3]

197.35

160.79

191.16

108.15

Net Income (Loss)

$ 45,343,000

$ 85,983,000

$ 47,524,000

$ 21,677,000

Company Selected Measure Amount | $ / shares

^[4]

1.80

3.23

1.84

0.90

PEO Name

Mr. Bradley

Measure [Axis]: 1

Pay vs Performance Disclosure [Table]

Measure Name

Diluted EPS

Measure [Axis]: 2

Pay vs Performance Disclosure [Table]

Measure Name

Revenue

Measure [Axis]: 3

Pay vs Performance Disclosure [Table]

Measure Name

Net Interest Margin

PEO [Member] | Adjustment Type [Member]

Pay vs Performance Disclosure [Table]

Adjustment to Compensation Amount

$ (5,885,850)

$ (795,300)

$ (318,696)

PEO [Member] | Adjustment Type 1 [Member]

Pay vs Performance Disclosure [Table]

Adjustment to Compensation Amount

(1,280,850)

1,836,900

357,120

PEO [Member] | Adjustment Type 2 [Member]

Pay vs Performance Disclosure [Table]

Adjustment to Compensation Amount

(187,830)

2,212,695

4,467,225

1,170,000

PEO [Member] | Adjustment Type 3 [Member]

Pay vs Performance Disclosure [Table]

Adjustment to Compensation Amount

PEO [Member] | Adjustment Type 4 [Member]

Pay vs Performance Disclosure [Table]

Adjustment to Compensation Amount

774,180

451,695

94,605

(28,725)

PEO [Member] | Adjustment Type 5 [Member]

Pay vs Performance Disclosure [Table]

Adjustment to Compensation Amount

(1,935,945)

Non-PEO NEO [Member] | Adjustment Type [Member]

Pay vs Performance Disclosure [Table]

Adjustment to Compensation Amount

(268,920)

(198,825)

(132,790)

Non-PEO NEO [Member] | Adjustment Type 1 [Member]

Pay vs Performance Disclosure [Table]

Adjustment to Compensation Amount

(70,578)

459,225

148,800

Non-PEO NEO [Member] | Adjustment Type 2 [Member]

Pay vs Performance Disclosure [Table]

Adjustment to Compensation Amount

10,655

(798,133)

1,273,656

417,500

Non-PEO NEO [Member] | Adjustment Type 3 [Member]

Pay vs Performance Disclosure [Table]

Adjustment to Compensation Amount

Non-PEO NEO [Member] | Adjustment Type 4 [Member]

Pay vs Performance Disclosure [Table]

Adjustment to Compensation Amount

151,679

124,592

29,431

(7,181)

Non-PEO NEO [Member] | Adjustment Type 5 [Member]

Pay vs Performance Disclosure [Table]

Adjustment to Compensation Amount

[1] In each year identified, our PEO was Mr. Bradley. For the fiscal year ended December 31, 2023, our non-PEO NEOs were Mr. Lavin, Mr. Bharwani, Ms. Robinson, and Ms. Straten. For the fiscal year ended December 31, 2022, our non-PEO NEOs were Mr. Lavin, Mr. Bharwani, Ms. Robinson, Ms. Straten, and Mr. Fritz. For the fiscal years ended December 31, 2020 and 2021, our non-PEO NEOs were Mr. Fritz, Mr. Lavin, Ms. Robinson, and Ms. Straten.

[2] The table below describes adjustments made to the calculation of CAP in accordance with Item 402(v) of Regulation S-K, to the amounts previously reported in the SCT. The adjustments are as follows:

[3] Total Shareholder Return assumes $100 was invested in our common stock and in a peer group on December 31, 2019 and assumes the reinvestment of dividends and is cumulative for the measurement periods beginning on that date and ending on the last fiscal day in 2023, 2022, 2021, and 2020, respectively. The peer group is represented by the Nasdaq OMX Financial Services Index.

[4] In the Company’s assessment as required by Item 402(v), Diluted EPS is the financial performance measure that is the most important financial performance measure (other than total shareholder return and net income) used by the Company for the most recently completed fiscal year to link CAP to performance.