(9) Income Taxes (Tables)

12 Months Ended

Dec. 31, 2021

Income Tax Disclosure [Abstract]

Schedule of income tax expense

	Year Ended December 31,
	2021		2020			2019
	(In thousands)
Current federal tax expense	$	8,992	$	(23,576	)	$	(574	)
Current state tax expense		2,845		472			105
Deferred federal tax expense		3,012		18,937			2,759
Deferred state tax expense		3,373		2,610			1,466
Income tax expense	$	18,222	$	(1,557	)	$	3,756

Schedule of reconciliation of income taxes

	Year Ended December 31,
	2021			2020			2019
	(In thousands)
Expense at federal tax rate	$	13,807		$	4,225		$	1,924
State taxes, net of federal income tax effect		3,974			1,505			1,027
Stock-based compensation		(947	)		35			169
Non-deductible expenses		1,129			974			856
Net operating loss carryback		(1,694	)		(9,435	)		–
Effect of change in tax rate		–			–			–
Accounting method change		–			–			–
Other		1,953			1,139			(220	)
	$	18,222		$	(1,557	)	$	3,756

Schedule of deferred tax assets and liabilities

	December 31,
	2021			2020
		(In thousands)
Deferred Tax Assets:
Finance receivables	$	10,644		$	10,930
Accrued liabilities		1,694			541
NOL carryforwards		2,070			7,470
Built in losses		2,679			3,312
Pension accrual		–			1,745
Stock compensation		3,584			4,463
Lease liability		2,737			3,843
Other		–			46
Total deferred tax assets		23,408			32,350
Deferred Tax Liabilities:
Finance receivables	$	–		$	–
Deferred loan costs		–			(205	)
Pension accrual		(1,026	)		–
Lease right-of-use assets		(2,487	)		(3,517	)
Furniture and equipment and other		(320	)		(116	)
Total deferred tax liabilities		(3,833	)		(3,838	)
Net deferred tax asset	$	19,575		$	28,512