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UNAUDITED CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Mar. 31, 2025
Dec. 31, 2024
ASSETS    
Cash and cash equivalents $ 29,841 $ 11,713
Restricted cash and equivalents 153,637 125,684
Finance receivables measured at fair value 3,449,106 3,313,767
Finance receivables 3,109 5,420
Less: Allowance for finance credit losses (249) (433)
Finance receivables, net 2,860 4,987
Furniture and equipment, net 1,165 943
Deferred tax assets, net 826 1,010
Other assets 36,171 35,764
Total assets 3,673,606 3,493,868
Liabilities    
Accounts payable and accrued expenses 75,289 70,151
Warehouse lines of credit 365,683 410,898
Residual interest financing 163,391 99,176
Securitization trust debt 2,743,269 2,594,384
Subordinated renewable notes 27,547 26,489
Total liabilities 3,375,179 3,201,098
COMMITMENTS AND CONTINGENCIES
Shareholders' Equity    
Common stock, no par value; authorized 75,000,000 shares; 21,503,198 and 21,432,698 shares issued and outstanding at March 31, 2025 and December 31, 2024, respectively 26,683 25,720
Retained earnings 271,754 267,060
Accumulated other comprehensive loss (10) (10)
Total shareholders' equity 298,427 292,770
Total liabilities and shareholders' equity 3,673,606 3,493,868
Preferred Stock [Member]    
Shareholders' Equity    
Preferred stock, value 0 0
Series A Preferred Stock [Member]    
Shareholders' Equity    
Preferred stock, value 0 0
Series B Preferred Stock [Member]    
Shareholders' Equity    
Preferred stock, value $ 0 $ 0