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Consolidated Statement of Cash Flows - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2017
Statement of Cash Flows [Abstract]      
Net Income (Loss) Attributable to Parent $ 61,598 $ 123,394 $ (10,206)
Depreciation, Amortization and Accretion, Net 14,101 11,823 10,589
Debt Securities, Realized Gain (Loss) 97,237 (22,899) 0
Amortization of Deferred Loan Origination Fees, Net (3,777) (17,506) 0
Gain (Loss) on Sales of Consumer Loans (36,537) (33,468) (22,254)
Share-based Payment Arrangement, Noncash Expense 19,183 6,772 5,705
Provision for Loan and Lease Losses (4,483) 16,147 98,315
Deferred Income Tax Expense (Benefit) 10,419 42,023 8,291
Other Noncash Income (Expense) 9,728 6,101 9,559
Payments for Origination and Purchases of Loans Held-for-sale (355,617) (292,386) (220,529)
Proceeds from Sale of Other Loans Held-for-sale 391,438 328,253 241,277
Increase (Decrease) in Accrued Interest Receivable, Net (7,128) (6,889) (3,453)
Increase (Decrease) in Other Operating Assets (47,628) (28,205) (6,036)
Increase (Decrease) in Amount Due to Whole Loan Buyer 5,413 5,898 8,560
Increase (Decrease) in Other Operating Liabilities 64,427 (684) 19,300
Net Cash Provided by (Used in) Operating Activities 218,374 138,374 139,118
Payments to Acquire Loans Held-for-investment (1,487,103) (1,322,102) (1,062,692)
Proceeds from Principal Repayments on Loans and Leases Held-for-investment 1,015,646 868,619 731,325
Payments to Acquire Property, Plant, and Equipment (8,875) (14,559) (8,548)
Payments for Software (17,348) (3,385) (3,473)
Net Cash Provided by (Used in) Investing Activities (497,680) (471,427) (343,388)
Proceeds from Long-term Lines of Credit 144,000 481,000 441,240
Proceeds from Issuance Initial Public Offering 60,479 0 0
Proceeds from Issuance of Secured Debt 249,951 863,165 360,001
Repayments of Long-term Lines of Credit (169,000) (549,780) (323,460)
Repayments of Secured Debt 0 (424,837) (237,544)
Repayments of Long-term Capital Lease Obligations (270) (259) (397)
Payments of Financing Costs 0 (862) (5,874)
Proceeds from (Repurchase of) Equity 1,112 (354) (3,278)
Net Cash Provided by (Used in) Financing Activities 286,272 368,073 230,688
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect 6,966 35,020 26,418
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, beginning of period 129,175 94,155 67,737
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, end of period 136,141 129,175 94,155
Total Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents 129,175 129,175 67,737
Income Taxes Paid, Net 2,933 20,440 4,402
Interest Paid, Including Capitalized Interest, Operating and Investing Activities 58,038 42,428 31,064
Operating Lease, Payments 12,759 0 0
Right-of-Use Asset Obtained in Exchange for Operating Lease Liability 59,564 0 0
Dividends, Preferred Stock, Paid-in-kind 37,456 0 0
Other Significant Noncash Transaction, Value of Consideration Received 0 0 1,076
Noncash or Part Noncash Acquisition, Fixed Assets Acquired $ 687 $ 544 $ 543