| Mar'20 | Dec'19 | Sep'19 | Jun'19 | Mar'19 | Dec'18 | Sep'18 | Jun'18 | Mar'18 | Dec'17 | Sep'17 | Jun'17 | Mar'17 | Dec'12 | Sep'12 | Jun'12 | Mar'12 | Dec'11 | Sep'11 | Jun'11 | Mar'11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Operating activities: | ||||||||||||||||||||
Net income | ||||||||||||||||||||
937 | 12,732 | 22,575 | -6,052 | 16,869 | 22,670 | 24,073 | 30,027 | 23,582 | 69,746 | 21,791 | 27,510 | 20,296 | 12,757 | 14,399 | 15,498 | 8,192 | 2,289 | 9,570 | -25,117 | 3,690 |
Adjustments to reconcile net income to net cash (used in) provided by operating activities: | ||||||||||||||||||||
Depreciation and amortization | ||||||||||||||||||||
4,792 | 4,923 | 5,013 | 4,570 | 4,486 | 4,752 | 4,255 | 3,651 | 3,946 | 3,551 | 3,547 | 3,590 | 3,422 | 2,570 | 3,541 | 3,186 | 2,958 | 2,728 | 3,187 | 3,510 | 3,741 |
(Gain) Loss on disposal of property and equipment | ||||||||||||||||||||
44 | -5,835 | -19 | 1,955 | -10 | - | - | - | - | -96 | 0 | 1 | -429 | - | - | - | - | - | - | - | - |
Non-cash stock compensation expense | ||||||||||||||||||||
- | - | - | - | - | - | - | - | - | - | - | - | - | 548 | 611 | 595 | 596 | 198 | 749 | 830 | 828 |
Provision for loan losses | ||||||||||||||||||||
30,353 | 16,215 | 16,407 | 11,902 | 11,153 | 15,370 | 14,419 | 13,441 | 8,006 | 14,346 | 9,520 | 13,347 | 9,199 | 7,185 | 8,409 | 6,322 | 6,706 | 7,978 | 10,820 | 6,682 | 4,069 |
(Benefit) Provision for deferred income taxes | ||||||||||||||||||||
-176 | 8,011 | 3,478 | -12,322 | 2,281 | -640 | 515 | -1,032 | 3,247 | -36,353 | -1,592 | 152 | -4,229 | 7,117 | 7,755 | 8,353 | 3,662 | 682 | 4,097 | -16,631 | 1,667 |
Changes in operating assets and liabilities: | ||||||||||||||||||||
Notes receivable | ||||||||||||||||||||
11,778 | 19,671 | 21,259 | 17,044 | 7,698 | 15,053 | 24,256 | 18,972 | 5,264 | 17,944 | 14,785 | 10,869 | 3,872 | 1,390 | -6,049 | 2,640 | 5,049 | 9,711 | 245 | 5,235 | 11,728 |
Prepaid expenses and other assets | ||||||||||||||||||||
8,452 | -7,849 | -905 | 2,626 | 9,048 | -26,090 | 7,264 | 10,945 | 5,177 | -10,633 | 339 | 2,246 | 15,151 | 13,848 | 2,043 | -18,660 | 6,123 | 8,226 | -107 | -2,857 | 1,947 |
Changes in restricted cash | ||||||||||||||||||||
- | - | - | - | - | - | - | - | - | - | - | - | - | 5,813 | -670 | -12,852 | 4,499 | 5,396 | -3,539 | 4,735 | -3,795 |
Inventory | ||||||||||||||||||||
356 | 116 | 4,601 | -166 | 8,237 | 8,617 | -2,365 | 16,097 | 9,673 | 12,050 | 4,356 | 19,687 | 6,664 | 6,563 | 12,920 | 17,209 | -6,585 | 5,820 | 10,669 | 27,872 | -9,520 |
Accounts payable, accrued liabilities and other, and deferred income | ||||||||||||||||||||
-29,102 | -15,545 | 16,176 | 24,031 | 1,126 | -13,659 | 8,420 | 9,679 | -5,204 | -14,744 | 10,882 | 5,053 | 3,742 | -5,358 | 7,948 | 9,428 | 1,431 | 2,650 | 4,749 | 5,099 | -2,354 |
Net cash (used in) provided by operating activities | ||||||||||||||||||||
-13,826 | 20,233 | 38,713 | 670 | 10,942 | 31,092 | 22,527 | 9,752 | 13,463 | 17,281 | 24,668 | 16,849 | 7,172 | 52,785 | 50,907 | 39,793 | 24,557 | 47,081 | 41,831 | 43,022 | 34,737 |
Investing activities: | ||||||||||||||||||||
Purchases of property and equipment | ||||||||||||||||||||
2,966 | 5,973 | 3,986 | 7,009 | 7,507 | 8,192 | 9,242 | 9,643 | 5,462 | 4,735 | 3,973 | 2,379 | 3,028 | 1,913 | 2,029 | 1,027 | 1,245 | 1,144 | 707 | 1,414 | 744 |
Proceeds from sale of property and equipment | ||||||||||||||||||||
147 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Net cash used in investing activities | ||||||||||||||||||||
-2,819 | -4,342 | -2,557 | -5,189 | -7,507 | -8,192 | -9,242 | -9,643 | -5,462 | -4,735 | -3,973 | -2,379 | -3,028 | -1,913 | -2,029 | 26,723 | -1,245 | -1,144 | -707 | -1,414 | -744 |
Financing activities: | ||||||||||||||||||||
Proceeds from borrowings collateralized by notes receivable | ||||||||||||||||||||
32,568 | 20,503 | 34,073 | 31,608 | 13,487 | 139,738 | 41,050 | 47,945 | 25,761 | 32,971 | 21,656 | 136,695 | 11,679 | 38,170 | 118,862 | 14,851 | 14,973 | 16,275 | 15,071 | 16,063 | 9,238 |
Payments on borrowings collateralized by notes receivable | ||||||||||||||||||||
36,059 | 34,837 | 35,862 | 31,801 | 34,968 | 112,445 | 35,047 | 34,584 | 33,947 | 31,588 | 31,087 | 99,238 | 34,006 | 31,058 | 119,207 | 35,437 | 35,429 | 34,155 | 35,451 | 37,690 | 42,748 |
Proceeds from borrowings collateralized by line-of-credit facilities and notes payable | ||||||||||||||||||||
80,000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Payments under line-of-credit facilities and notes payable | ||||||||||||||||||||
2,411 | 51,053 | 18,324 | 9,239 | 8,168 | 6,349 | 12,046 | 8,184 | 16,487 | 1,883 | 16,929 | 12,083 | 3,956 | 139,598 | -12,140 | -39,652 | -16,084 | 93,442 | -17,258 | -10,214 | -10,667 |
Payments of debt issuance costs | ||||||||||||||||||||
76 | 3,077 | 123 | 27 | 105 | 2,625 | 198 | 89 | 98 | 173 | 378 | 2,815 | 24 | 930 | 1,669 | 190 | 800 | 358 | 211 | 348 | 742 |
Repurchase and retirement of common stock | ||||||||||||||||||||
11,741 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Distributions to non-controlling interest | ||||||||||||||||||||
- | - | - | - | - | - | - | - | - | - | - | - | - | 4,900 | 0 | 0 | 7,350 | 0 | 0 | 0 | 3,626 |
Dividends paid | ||||||||||||||||||||
9,667 | 9,678 | 12,655 | 12,657 | 12,655 | 11,210 | 11,211 | 11,210 | 11,210 | - | - | - | - | - | - | - | - | - | - | - | - |
Net cash provided by (used in) financing activities | ||||||||||||||||||||
52,614 | -7,421 | -32,891 | -1,730 | -42,409 | -97 | -22,352 | 43,920 | -35,981 | 45,672 | -50,658 | 32,559 | -26,307 | 2,554 | -14,147 | -60,564 | -44,690 | -35,402 | -37,849 | -32,020 | -48,545 |
Net increase (decrease) in cash and cash equivalents and restricted cash | ||||||||||||||||||||
35,969 | 8,470 | 3,265 | -6,249 | -38,974 | 22,803 | -9,067 | 44,029 | -27,980 | 58,218 | -29,963 | 47,029 | -22,163 | 53,426 | 34,731 | 5,952 | -21,378 | 10,535 | 3,275 | 9,588 | -14,552 |
Supplemental schedule of operating cash flow information: | ||||||||||||||||||||
Interest paid, net of amounts capitalized | ||||||||||||||||||||
8,317 | 8,878 | 9,196 | 8,600 | 8,271 | 7,823 | 8,187 | 7,565 | 6,685 | 6,529 | 6,644 | 6,591 | 6,480 | - | - | - | - | - | - | - | - |
Income taxes paid | ||||||||||||||||||||
199 | 367 | 843 | 13,545 | 812 | 2,300 | 8,238 | 10,436 | 4,182 | -52 | 14,681 | 15,591 | 10,815 | - | - | - | - | - | - | - | - |