Segment Reporting (Tables)

9 Months Ended

Sep. 30, 2018

Segment Reporting [Abstract]

Schedule of Segment Data

The following tables present segment data at September 30, 2018 and for the three and six months then ended.

Three Months Ended September 30, 2018	Consumer Lending						Commercial Lending			Medallion Lending			RPAC			Corp. and Other			Consolidated
(dollars in thousands)	Recreation			Home Improvement
Total interest income	$	24,001		$	3,968		$	2,637		$	2,126		$	—		$	420		$	33,152
Total interest expense		2,306			709			681			3,672			40			1,479			8,887
Net interest income (loss)		21,695			3,259			1,956			(1,546	)		(40	)		(1,059	)		24,265
Provision for loan losses		4,423			598			(75	)		13,259			—			—			18,205
Net interest income after loss provision		17,272			2,661			2,031			(14,805	)		(40	)		(1,059	)		6,060
Sponsorship and race winnings		—			—			—			—			5,371			—			5,371
Race team related expenses		—			—			—			—			(2,876	)		—			(2,876	)
Other income (expense)		(3,160	)		400			(934	)		(4,077	)		(1,887	)		(2,860	)		(12,518	)
Net income before taxes		14,112			3,061			1,097			(18,882	)		568			(3,919	)		(3,963	)
Income tax benefit (provision)		(3,979	)		(863	)		(254	)		4,371			(107	)		949			117
Net Income (loss) after tax	$	10,133		$	2,198		$	843		($	14,511	)	$	461		($	2,970	)	($	3,846	)
Balance Sheet Data
Total loans, net	$	572,995		$	168,781		$	82,458		$	235,827		$	—		$	—		$	1,060,061
Total assets		582,610			175,333			90,380			369,763			36,237			317,084			1,571,407
Total funds borrowed		431,868			132,914			71,655			399,750			7,614			221,273			1,265,074
Selected Financial Ratios
Return on assets		6.80	%		4.57	%		3.35	%		(15.23	%)		4.94	%		(4.60	%)		(1.19	%)
Return on equity		27.77			19.99			6.99			NM			42.83			(16.79	)		(6.59	)
Interest yield		15.87			8.10			12.87			3.41			N/A			N/A			10.75
Net interest margin		14.34			6.65			9.54			(2.48	)		N/A			N/A			7.94
Reserve coverage		0.50			0.51			0.12			9.81			N/A			N/A			2.71
Delinquency ratio		0.55			0.10			0.51			4.06			N/A			N/A			1.29
Charge off ratio		3.19			1.34			0.00			10.35			N/A			N/A			3.69

Six Months Ended September 30, 2018	Consumer Lending						Commercial Lending			Medallion Lending			RPAC			Corp. and Other			Consolidated
(dollars in thousands)	Recreation			Home Improvement
Total interest income	$	46,133		$	8,605		$	4,959		$	5,315		$	—		$	784		$	65,796
Total interest expense		4,442			1,448			1,336			7,045			81			2,460			16,812
Net interest income (loss)		41,691			7,157			3,623			(1,730	)		(81	)		(1,676	)		48,984
Provision for loan losses		9,133			1,475			100			38,073			—			—			48,781
Net interest income after loss provision		32,558			5,682			3,523			(39,803	)		(81	)		(1,676	)		203
Sponsorship and race winnings		—			—			—			—			10,599			—			10,599
Race team related expenses		—			—			—			—			(5,416	)		—			(5,416	)
Other income (expense)		(8,680	)		(1,285	)		(2,044	)		(6,888	)		(4,124	)		(4,233	)		(27,254	)
Net income before taxes		23,878			4,397			1,479			(46,691	)		978			(5,909	)		(21,868	)
Income tax benefit (provision)		(6,141	)		(1,159	)		(339	)		10,528			(150	)		1,399			4,138
Net Income (loss) after tax	$	17,737		$	3,238		$	1,140		($	36,163	)	$	828		($	4,510	)	($	17,730	)
Balance Sheet Data
Total loans, net	$	572,995		$	168,781		$	82,458		$	235,827		$	—		$	—		$	1,060,061
Total assets		582,610			175,333			90,380			369,763			36,237			317,084			1,571,407
Total funds borrowed		431,868			132,914			71,655			399,750			7,614			221,273			1,265,074
Selected Financial Ratios
Return on assets		6.14	%		3.42	%		2.15	%		(18.49	%)		4.46	%		(3.67	%)		(2.51	%)
Return on equity		25.48			15.22			4.81			NM			38.67			(11.85	)		(13.34	)
Interest yield		15.88			8.94			12.24			4.03			N/A			N/A			10.91
Net interest margin		14.35			7.44			8.94			(1.31	)		N/A			N/A			8.17
Reserve coverage		0.50			0.51			0.12			9.81			N/A			N/A			2.71
Delinquency ratio		0.55			0.10			0.51			4.06			N/A			N/A			1.29
Charge off ratio		3.26			1.27			0.00			9.66			N/A			N/A			3.53