Summary of Significant Accounting Policies (Tables)

6 Months Ended

Jun. 30, 2023

Accounting Policies [Abstract]

Schedule of other income

	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2023		2022		2023		2022
	(In thousands)				(In thousands)
Origination and servicing fees from third party receivables	$	1,924	$	1,408	$	4,661	$	2,252
Direct mail revenues		–		–		–		774
Sales tax refunds		264		159		524		303
Other		33		81		74		225
Other income for the period	$	2,221	$	1,648	$	5,259	$	3,554

Supplemental balance sheet information related to leases

	June 30,			December 31,
	2023			2022
	(In thousands)
Operating Leases
Operating lease right-of-use assets	$	29,575		$	28,397
Less: Accumulated amortization right-of-use assets		(24,649	)		(22,613	)
Operating lease right-of-use assets, net	$	4,926		$	5,784
Operating lease liabilities	$	(5,271	)	$	(6,234	)
Finance Leases
Property and equipment, at cost	$	3,454		$	3,407
Less: Accumulated depreciation		(3,357	)		(3,301	)
Property and equipment, net	$	97		$	106
Finance lease liabilities	$	(102	)	$	(177	)

Schedule of maturities of lease liabilities

(In thousands)	Operating			Finance
Year Ending June 30,	Lease			Lease
2023	$	2,775		$	30
2024		1,787			37
2025		737			20
2026		455			11
2027		452			11
Thereafter		565			1
Total undiscounted lease payments		6,771			110
Less amounts representing interest		(1,500	)		(8	)
Lease Liability	$	5,271		$	102

Lease information

	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2023		2022		2023		2022
	(In thousands)				(In thousands)
Operating lease cost	$	1,411	$	1,760	$	2,771	$	3,630
Finance lease cost		24		257		125		555
Total lease cost	$	1,435	$	2,017	$	2,896	$	4,185

Supplemental cash flow information related to leases

	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2023		2022		2023		2022
	(In thousands)				(In thousands)
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$	1,441	$	1,907	$	2,771	$	3,965
Operating cash flows from finance leases		23		245		122		527
Financing cash flows from finance leases		2		12		4		28

Schedule of option activity

						Weighted
	Number of			Weighted		Average
	Shares			Average		Remaining
	(in thousands)			Exercise Price		Contractual Term
Options outstanding at the beginning of period		11,167		$	5.21	N/A
Granted		–			–	N/A
Exercised		(2,805	)		5.59	N/A
Forfeited		–			–	N/A
Options outstanding at the end of period		8,362		$	5.09	3.61 years
Options exercisable at the end of period		5,675		$	4.31	2.94 years

Schedule of stock options outstanding and exercisable

	Number of shares as of				Number of shares as of
	June 30, 2023				December 31, 2022
	Outstanding		Exercisable		Outstanding		Exercisable
Range of exercise prices:	(In thousands)				(In thousands)
$2.00 - $2.99		1,440		1,105		1,445		775
$3.00 - $3.99		2,543		2,253		3,785		3,495
$4.00 - $4.99		2,669		1,732		2,739		1,802
$5.00 - $5.99		–		–		–		–
$6.00 - $6.99		–		–		740		740
$7.00 - $7.99		–		–		748		748
$10.00 - $10.99		1,710		585		1,710		210
Total shares		8,362		5,675		11,167		7,770

Schedule of purchases of company stock

	Six Months Ended
	June 30, 2023				June 30, 2022
	Shares		Avg. Price		Shares		Avg. Price
Open market purchases		564,202	$	10.36		1,938,637	$	11.42
Shares redeemed upon net exercise of stock options		1,220,044		10.34		893,153		13.56
Total stock purchases		1,784,246	$	10.35		2,831,790	$	12.09