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CONSOLIDATED BALANCE SHEETS - USD ($)
Mar. 31, 2021
Mar. 31, 2020
ASSETS    
Cash and cash equivalents $ 15,746,454 $ 11,618,922
Gross loans receivable 1,104,746,261 1,209,871,366
Less:    
Unearned interest, insurance and fees (279,364,584) (308,980,724)
Allowance for credit losses (91,722,288) (96,487,856)
Loans receivable, net 733,659,389 804,402,786
Right-of-use asset 90,055,572 101,686,918
Property and equipment, net 26,340,037 24,761,108
Deferred income taxes, net 24,992,742 23,257,985
Other assets, net 31,423,134 28,547,950
Goodwill 7,370,791 7,370,791
Intangible assets, net 23,537,517 24,448,477
Assets held for sale (Note 17) 1,143,528 3,991,498
Total assets 954,269,164 1,030,086,435
Liabilities:    
Senior notes payable 405,007,500 451,100,000
Income taxes payable 11,575,861 4,965,302
Lease liability 91,718,075 102,759,386
Accounts payable and accrued expenses 41,040,287 59,298,680
Total liabilities 549,341,723 618,123,368
Commitments and contingencies
Shareholders' equity:    
Preferred stock, no par value Authorized 5,000,000, no shares issued or outstanding 0 0
Common stock, no par value Authorized 95,000,000 shares; issued and outstanding 6,805,294 and 7,807,834 shares at March 31, 2021 and March 31, 2020, respectively 0 0
Additional paid-in capital 255,590,674 227,214,577
Retained earnings 149,336,767 184,748,490
Total shareholders' equity 404,927,441 411,963,067
Total liabilities and shareholders' equity $ 954,269,164 $ 1,030,086,435