(9) Income Taxes (Tables)

12 Months Ended

Dec. 31, 2020

Income Tax Disclosure [Abstract]

Schedule of income tax expense

	Year Ended December 31,
	2020			2019			2018
	(In thousands)
Current federal tax expense	$	(23,576	)	$	(574	)	$	(7,526	)
Current state tax expense		472			105			(2,064	)
Deferred federal tax expense		18,937			2,759			9,074
Deferred state tax expense		2,610			1,466			4,357
Income tax expense	$	(1,557	)	$	3,756		$	3,841

Schedule of reconciliation of income taxes

	Year Ended December 31,
	2020			2019			2018
	(In thousands)
Expense at federal tax rate	$	4,225		$	1,924		$	3,928
State taxes, net of federal income tax effect		1,505			1,027			1,718
Stock-based compensation		35			169			238
Non-deductible expenses		974			856			824
Net operating loss carryback		(9,435	)		–			–
Effect of change in tax rate		–			–			–
Accounting method change		–			–			(2,100	)
Other		1,139			(220	)		(767	)
income tax expense	$	(1,557	)	$	3,756		$	3,841

Schedule of deferred tax assets and liabilities

	December 31,
	2020			2019
	(In thousands)
Deferred Tax Assets:
Finance receivables	$	10,930		$	–
Accrued liabilities		541			307
NOL carryforwards		7,470			17,240
Built in losses		3,312			4,008
Pension accrual		1,745			1,927
Stock compensation		4,463			4,385
Lease liability		3,843			5,232
Other		46			164
Total deferred tax assets		32,350			33,263
Deferred Tax Liabilities:
Finance receivables	$	–		$	(12,180	)
Deferred loan costs		(205	)		(542	)
Lease right-of-use assets		(3,517	)		(4,855	)
Furniture and equipment		(116	)		(206	)
Total deferred tax liabilities		(3,838	)		(17,783	)
Net deferred tax asset	$	28,512		$	15,480