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CONSOLIDATED BALANCE SHEETS - USD ($)
Sep. 30, 2021
Mar. 31, 2021
ASSETS    
Cash and cash equivalents $ 16,886,215 $ 15,746,454
Gross loans receivable 1,394,827,136 1,104,746,261
Less:    
Unearned interest, insurance and fees (370,017,101) (279,364,584)
Allowance for credit losses (114,660,240) (91,722,288)
Loans receivable, net 910,149,795 733,659,389
Operating lease right‐of‐use assets, net (Note 6) 88,197,277 90,055,572
Finance lease right‐of‐use assets, net (Note 6) 810,101 1,013,901
Property and equipment, net 25,066,530 25,326,136
Deferred income taxes, net 34,248,014 24,992,742
Other assets, net 35,544,370 31,423,134
Goodwill 7,370,791 7,370,791
Intangible assets, net 22,306,060 23,537,517
Assets held for sale (Note 2) 0 1,143,528
Total assets 1,140,579,153 954,269,164
Liabilities:    
Senior notes payable 275,705,753 405,007,500
Senior unsecured notes payable, net 294,897,327 0
Income taxes payable 8,258,170 11,575,861
Operating lease liability (Note 6) 89,754,406 91,132,722
Finance lease liability (Note 6) 283,632 585,353
Accounts payable and accrued expenses 52,672,524 41,040,287
Total liabilities 721,571,812 549,341,723
Commitments and contingencies (Notes 6 and 12)
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 6,724,140 and 6,805,294 shares at September 30, 2021 and March 31, 2021, respectively 0 0
Additional paid-in capital 272,572,177 255,590,674
Retained earnings 146,435,164 149,336,767
Total shareholders' equity 419,007,341 404,927,441
Total liabilities and shareholders' equity $ 1,140,579,153 $ 954,269,164