World Acceptance Corporation
(NASDAQ:WRLD)

World Acceptance Corporation, together with its subsidiaries, engages in small-loan consumer finance business. The company offers short-term small installment loans, medium-term larger installment loans, related credit insurance, and ancillary products and services to individuals. It also provides a...

Website: http://www.loansbyworld.com

Founded: 1962

Full Time Employees: 3,744

Sector: Financial Services

Industry: Credit Services

Credit Services

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At a glance:

Bull Thesis:

Bear Thesis:

Main Competitors:

Moat:

Income Statements:

Quarterly

Annual

Unit: USD	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2007-09-30	2007-06-30	2007-03-31	2006-12-31	2006-09-30	2006-06-30	2006-03-31	2005-12-31	2005-09-30	2005-06-30	2005-03-31	2004-12-31	2004-09-30	2004-06-30	2004-03-31	2003-12-31	2003-09-30	2003-06-30	2003-03-31	2002-12-31

revenues:
interest and fee income	124,595,796	125,973,375	118,958,202	115,302,802	117,633,756	122,390,403	113,905,272	111,161,086	116,290,728	118,665,105	116,953,114	116,618,914	121,467,715	126,201,028	130,461,548	130,205,390	130,231,290	128,147,374	118,113,200	109,174,715	117,481,338	114,885,857	108,885,851	109,860,456	129,101,482	130,224,337	126,091,032	122,910,149	124,220,741	122,998,784	113,490,097	108,444,378	124,442,498	123,258,794	118,394,167	115,638,541	119,477,364	118,257,234	116,979,595	114,044,807	121,460,338	126,869,729	123,964,361	122,838,572	115,976,500	137,407,283	136,477,410	134,415,807	138,954,260	142,213,442	133,010,377	127,977,921	130,311,649	121,817,856	115,299,196	125,787,132	117,112,842	116,232,521	107,348,505	115,344,036	109,462,166	103,717,055	96,070,743	100,812,954	97,610,049	91,540,199	85,067,798	-240,952,340	84,880,761	80,053,547	76,349,486	82,153,578	75,207,879	69,706,221	65,389,322	70,211,541	63,509,413	58,749,903	54,536,143	58,727,494	52,379,939	48,743,672	44,598,895	47,460,109	46,043,068	43,478,424	40,600,399	42,469,740	38,075,063	36,548,719	34,405,478	37,476,731	33,442,181
insurance and other income	52,401,005	15,278,754	15,507,648	17,149,118	47,638,186	16,242,350	17,504,232	18,366,180	42,974,175	19,084,282	19,922,207	22,704,877	39,760,353	20,295,432	20,764,620	27,389,278	36,098,182	20,424,437																																													14,327,421	10,632,055.75	14,700,088	12,665,568	15,162,567	9,628,509.5	14,775,473	11,667,020	12,071,545	8,581,710.25	12,835,015	10,492,052	10,999,774	7,088,092.5	10,593,333	8,457,602	9,301,435	6,027,160	8,939,317	8,000,559	7,168,764	5,069,110.25	7,122,995	6,275,537	6,877,909	4,298,823.25	6,210,348	5,127,116	5,857,829	3,555,001.25	5,592,430
total revenues	176,996,801	141,252,129	134,465,850	132,451,920	165,271,942	138,632,753	131,409,504	129,527,266	159,264,903	137,749,387	136,875,321	139,323,791	161,228,068	146,496,460	151,226,168	157,594,668	166,329,472	148,571,811	137,826,884	129,659,378	146,279,763	130,945,650	124,441,052	123,866,802	162,934,693	147,079,208	141,573,116	138,441,983	156,997,921	137,639,331	127,115,763	122,789,985	151,857,279	136,933,767	131,005,531	128,909,423	144,570,086	130,814,842	129,268,976	127,080,096	144,142,334	139,696,036	136,411,848	137,224,782									149,639,564	139,398,326	132,835,884	148,920,496	135,946,471	132,138,971	123,156,062	136,941,828	126,039,917	118,065,091	110,398,164	123,889,731	112,310,137	104,205,767	100,230,365	-279,404,127	99,656,234	91,720,567	88,421,031	101,416,737	88,042,894	80,198,273	76,389,096	87,170,171	74,102,746	67,207,505	63,837,578	73,440,854	61,319,256	56,744,231	51,767,659	60,359,668	53,166,063	49,753,961	47,478,308	52,927,447	44,285,411	41,675,835	40,263,307	45,671,726	39,034,611
yoy	7.09%	1.89%	2.33%	2.26%	3.77%	0.64%	-3.99%	-7.03%	-1.22%	-5.97%	-9.49%	-11.59%	-3.07%	-1.40%	9.72%	21.55%	13.71%	13.46%	10.76%	4.68%	-10.22%	-10.97%	-12.10%	-10.53%	3.78%	6.86%	11.37%	12.75%	3.39%	0.52%	-2.97%	-4.75%	5.04%	4.68%	1.34%	1.44%	0.30%	-6.36%	-5.24%	-7.39%													10.07%	5.49%	7.86%	8.75%	7.86%	11.92%	11.56%	10.54%	12.22%	13.30%	10.14%	-144.34%	12.70%	13.61%	13.36%	-375.50%	13.19%	14.37%	15.75%	16.34%	18.81%	19.33%	19.66%	18.69%	20.85%	18.44%	23.32%	21.67%	15.34%	14.05%	9.03%	14.04%	20.05%	19.38%	17.92%	15.89%	13.45%
qoq	25.31%	5.05%	1.52%	-19.86%	19.22%	5.50%	1.45%	-18.67%	15.62%	0.64%	-1.76%	-13.59%	10.06%	-3.13%	-4.04%	-5.25%	11.95%	7.80%	6.30%	-11.36%	11.71%	5.23%	0.46%	-23.98%	10.78%	3.89%	2.26%	-11.82%	14.06%	8.28%	3.52%	-19.14%	10.90%	4.53%	1.63%	-10.83%	10.52%	1.20%	1.72%	-11.84%	3.18%	2.41%	-0.59%										7.35%	4.94%	-10.80%	9.54%	2.88%	7.29%	-10.07%	8.65%	6.75%	6.94%	-10.89%	10.31%	7.78%	3.97%	-135.87%	-380.37%	8.65%	3.73%	-12.81%	15.19%	9.78%	4.99%	-12.37%	17.63%	10.26%	5.28%	-13.08%	19.77%	8.06%	9.61%	-14.23%	13.53%	6.86%	4.79%	-10.30%	19.51%	6.26%	3.51%	-11.84%	17.00%
expenses:
provision for credit losses	36,822,430	51,423,050	49,840,902	50,515,969	33,024,372	44,103,495	46,668,521	45,419,007	29,276,148	40,631,994	40,463,066	46,602,012	45,412,131	59,608,655	68,620,146	85,822,267	57,439,471	56,458,533	42,043,526	30,265,811	5,636,244	28,857,443	26,090,367	25,660,660
general and administrative expenses:
personnel	54,951,447	51,318,953	47,989,296	45,761,527	41,254,784	41,074,877	21,753,935	36,976,186	44,334,572	39,890,187	38,437,364	41,792,087	46,517,231	40,700,713	45,294,668	45,178,345	46,696,763	44,383,906	45,745,551	46,232,123	46,465,600	46,699,999	46,832,893	44,622,023	37,861,433.25	49,375,486	49,610,802	52,459,445	32,092,515.5	47,106,172	39,694,543	41,569,347	32,701,062	41,622,258	44,185,256	44,996,734	31,197,966.5	42,395,388	40,400,621	41,995,857	31,396,040.5	42,919,853	39,444,564	43,219,745	38,845,044	50,197,847	50,943,037	54,239,292	37,959,278.25	49,393,327	49,134,111	53,309,675	48,319,205	44,669,605	48,413,019	31,868,825.75	42,097,880	40,742,200	44,635,223	29,005,259.5	38,936,367	37,350,702	39,733,969	26,057,925.75	34,028,477	33,911,917	36,291,309	24,053,851	31,699,778	31,199,851	33,315,775	21,506,910.75	29,280,288	27,891,092	28,856,263	18,261,022.75	25,777,752	23,673,664	23,592,675	14,874,984.75	20,284,746	19,633,345	19,581,848	13,297,987.25	18,007,918	17,477,784	17,706,247	11,139,857	14,699,110	14,510,675	15,349,643	10,018,658	13,363,907
occupancy and equipment	12,314,588	12,441,018	11,819,799	11,785,658	12,346,418	12,293,093	12,336,648	12,163,775	12,637,756	12,090,198	12,428,506	12,619,740	12,448,500	12,932,456	13,490,914	13,234,697	12,929,083	12,613,622	12,934,959	13,606,977	14,405,068	15,058,226	13,515,468	13,181,506	10,113,786.5	13,544,378	13,554,466	11,949,749	7,695,380.25	10,363,659	10,365,759	10,052,103	8,146,531	10,998,374	10,911,533	10,676,217	7,912,574.75	10,517,199	10,630,945	10,502,155	8,242,291.5	10,546,075	12,030,356	10,392,735	7,710,160.75	10,403,848	10,372,901	10,063,894	7,193,428.75	9,702,506	9,692,239	9,378,970	9,109,693	9,138,637	8,642,649	6,320,436.25	8,343,121	8,719,513	8,219,111	5,728,911.25	7,833,837	7,893,050	7,188,758	5,368,648.25	7,657,755	7,113,165	6,703,673	4,755,662.25	6,491,005	6,477,994	6,053,650	3,964,028.5	5,555,057	5,367,967	4,933,090	3,192,297.25	4,439,229	4,414,689	3,915,271	2,601,236.75	3,640,512	3,579,978	3,184,457	2,286,824.75	3,120,599	3,112,277	2,914,423	1,830,799.25	2,578,468	2,442,725	2,302,004	1,641,790.75	2,215,309
advertising	2,360,280	3,756,642	2,170,846	2,298,906	1,299,111	4,448,074	2,821,244	1,656,279	1,219,716	3,721,155	2,241,707	2,749,544	1,554,220	1,323,671	1,009,797	2,208,395	2,395,891	6,847,777	5,294,835	3,759,709	2,662,767	6,660,129	5,255,613	2,612,167	5,140,166.75	8,181,106	6,269,734	6,109,827	4,724,194.25	8,930,182	5,116,510	4,850,085	4,602,110	8,150,258	5,334,360	4,923,822	3,733,614.5	8,490,703	4,092,610	2,351,145	3,635,192	7,961,227	3,411,428	3,168,113	3,584,399.5	7,747,085	3,428,847	3,161,666	3,272,328.75	7,316,674	3,049,386	2,723,255	6,535,782	2,801,011	2,644,635	2,834,055.5	5,854,480	2,698,483	2,783,259	2,585,424.25	5,272,566	2,606,815	2,462,316	2,472,963	5,070,758	2,448,594	2,372,500	2,582,253.75	5,087,427	2,531,623	2,709,965	2,688,290	6,023,271	2,278,500	2,451,389	2,104,430.75	4,734,272	1,793,544	1,889,907	1,815,609.25	3,964,060	1,640,855	1,657,522	1,619,119.5	3,526,688	1,369,504	1,580,286	1,468,619.5	3,420,306	1,171,208	1,282,964	1,216,218.25	2,850,176
amortization of intangible assets	768,482	777,045	808,624	831,015	906,905	938,026	959,072	1,005,750	1,037,041	1,050,926	1,062,563	1,069,316	1,113,841	1,114,540	1,106,050	1,132,104	1,274,162	1,275,784	1,245,545	1,214,784	1,428,744	1,377,250	1,286,118	1,382,128	900,882	1,390,934	1,257,953	954,641	227,804.5	372,270	275,496	263,452	183,070.5	271,013	275,447	185,822	95,664.25	108,470	164,132	110,055	101,805	131,197	135,734	140,289	141,603.75	176,240	188,417	201,758	205,526.75	244,940	265,665	311,502	329,196	339,040	368,680	320,477.5	414,913	434,208	432,789	374,165.25	479,839	510,186	506,636	423,910.25	563,183	567,688	564,770	461,225.5	621,355	623,200	600,347	468,709.5	621,844	638,307	614,687	554,838.5	683,437	742,188	793,729	531,137.75	708,639	729,947	685,965	478,783.25	650,618	633,202	631,313	423,033.5	570,336	566,456	555,342	404,230.25	530,440
other	11,099,021	9,763,042	9,179,831	9,683,146	10,133,248	8,468,838	8,484,516	9,610,334	12,389,051	9,156,841	8,777,372	9,894,517	7,364,632	10,367,857	10,284,400	11,096,767	11,310,663	9,108,390	9,767,969	8,537,604	12,448,521	8,079,467	8,402,448	9,810,155	8,571,825.75	17,631,727	7,759,428	10,302,701	7,679,449	10,191,888	9,483,540	11,042,368	8,545,282.75	11,844,482	10,202,155	12,134,494	6,470,447.75	9,725,018	8,167,480	7,989,293	7,270,758.5	10,021,695	8,414,180	10,647,159	8,303,815.75	12,056,991	11,113,739	10,044,533	7,500,344.75	10,640,905	9,846,790	9,513,684	10,503,986	9,209,731	9,090,128	6,708,941.5	9,523,762	8,869,095	8,442,909	6,001,565.75	8,870,428	7,729,991	7,405,844	5,456,907	7,741,575	7,219,156	6,866,897	4,932,285.75	7,242,789	6,965,683	5,520,671	3,886,633	5,645,730	5,115,966	4,784,836	3,381,066.75	5,253,576	4,110,407	4,160,285	2,992,454	4,305,436	4,034,313	3,630,067	2,567,481.25	3,612,033	3,539,102	3,118,790	2,208,884.75	3,335,832	2,823,854	2,675,853	2,100,845	3,044,517
total general and administrative expenses	81,493,818	78,056,700	71,968,396	70,360,252	65,940,466	67,222,908	46,355,415	61,412,324	71,618,136	65,909,307	62,947,512	68,125,204	68,998,424	66,439,237	71,185,829	72,850,308	74,606,562	74,229,479	74,988,859	73,351,197	77,410,700	77,875,071	75,292,540	71,607,979	62,588,094.25	90,123,631	78,452,383	81,776,363	52,419,343.5	76,964,171	64,935,848	67,777,355	54,178,056.25	72,886,385	70,908,751	72,917,089	49,410,267.75	71,236,778	63,455,788	62,948,505	50,646,087.5	71,580,047	63,436,262	67,568,041	58,585,023.75	80,582,011	76,046,941	77,711,143	56,130,907.25	77,298,352	71,988,191	75,237,086	74,797,862	66,158,024	69,159,111	48,052,736.5	66,234,156	61,463,499	64,513,291	43,695,326	61,393,037
interest expense	12,684,437	12,785,754	14,342,594	9,629,883	11,189,514	11,293,874	10,457,421	9,768,771	11,756,876	11,689,924	12,543,238	12,242,249	12,185,371	14,070,458	13,032,418	11,174,347	11,043,938	10,166,125	6,713,653	5,501,072	6,939,638	7,304,531	5,892,790	5,561,877	8,034,677	7,130,178	6,327,817	4,403,328	4,913,846	4,637,154	4,157,999	4,225,001	5,052,050	5,000,504	4,790,744	4,246,702	5,124,367	5,274,436	5,518,878	5,586,319	6,958,419	7,149,385	7,269,200	5,471,996	5,672,512	6,037,638	6,026,395	5,564,455	5,691,799	5,545,956	5,280,791	4,676,454	4,403,866	4,066,038	3,926,154	3,230,016	3,338,048	3,947,066	3,383,870	3,519,871	3,803,333	4,095,828	3,353,968	3,397,765	3,756,054	3,617,034	3,110,147	-8,005,824	2,787,409	2,748,643	2,480,161	2,962,823	3,338,181	2,931,609	2,336,387	2,602,270	2,822,951	2,269,540	1,901,239	2,066,994	2,141,875	1,621,539	1,306,592	1,269,367	1,314,312	1,067,112	989,209	1,026,817	997,236	927,946	991,001	1,116,256	1,175,831
total expenses	131,000,685	142,265,504	136,151,892	130,506,104	110,154,352	122,620,277	103,481,357	116,600,102	112,651,160	118,231,225	115,953,816	126,969,465	126,595,926	140,118,350	152,838,393	169,846,922	143,089,971	140,854,137	123,746,038	109,118,080	89,986,582	114,037,045	107,275,697	102,830,516	137,426,723	152,473,279	137,748,236	127,470,762	112,074,271	130,545,211	109,452,543	102,592,975	103,180,890	121,641,794	114,675,467	108,003,849	95,846,437	116,496,052	104,845,410	100,549,101	97,886,522	114,169,834	108,262,598	99,268,046	76,867,673	124,912,395	118,234,069	114,168,864	99,371,396	123,960,240	115,456,631	108,616,733	116,596,361	102,625,726	96,700,155	88,403,559	105,681,332	95,467,834	90,736,275	83,226,303	97,158,322		80,349,699	74,866,619	88,926,222	80,528,004	76,871,155	-227,259,007	83,993,083	74,435,076	69,126,929	62,276,372	74,031,786	63,278,875	58,742,967	53,213,383	62,647,490	51,371,816	47,915,312	44,423,556	52,283,081	44,883,193	40,087,170	37,478,815	44,505,417	38,880,111	36,035,657	32,809,054	37,148,275	32,216,855	31,562,816	29,423,812	33,836,293
income before income taxes	45,996,116	-1,013,375	-1,686,042	1,945,816	55,117,590	16,012,476	27,928,147	12,927,164	46,613,743	19,518,162	20,921,505	12,354,326	34,632,142	6,378,110	-1,612,225	-12,252,254	23,239,501	7,717,674	14,080,846	20,541,298	13,777,561.5	16,908,605	17,165,355	21,036,286									48,676,389	15,291,973	16,330,064	20,905,574	48,723,649	14,318,790	24,423,566	26,530,995	46,255,812	25,526,202	28,149,250	37,956,736	76,831,327	28,734,991	34,320,570	36,143,112	62,555,387	36,533,271	34,506,948	36,648,394	33,043,203	36,772,600	36,135,729	60,516,937	30,265,139	36,671,137	32,419,787	53,715,525	28,881,595	30,603,415	30,048,465	49,023,112	23,383,915	23,677,763	23,359,210	-52,145,120	15,663,151	17,285,491	19,294,102	39,140,365	14,011,108	16,919,398	17,646,129	33,956,788	11,455,256	15,835,689	15,922,266	29,017,298	9,036,175	11,861,038	11,680,489	22,880,853	8,660,646	10,873,850	11,442,651	20,118,393	7,137,136	9,458,980	8,700,491	16,247,914	5,198,318
income tax expense	189,964.75	-102,045	260,155	601,749	2,850,976.5	2,624,180	5,799,989	2,979,737	2,627,002	2,853,344	4,839,086	2,815,578	-769,121.5	619,136	-246,261	-3,449,361
net income	36,099,484	-911,330	-1,946,197	1,344,067	44,277,517	13,388,296	22,128,158	9,947,427	35,059,242	16,664,818	16,082,419	9,538,748	25,641,873	5,758,974	-1,365,964	-8,802,893	18,382,185	7,326,732	12,440,092	15,770,828	44,883,953	14,490,606	13,398,620	15,509,649	21,153,668	-5,824,068	4,220,001	8,608,399	37,940,487	6,260,162	14,537,645	-21,503,294	29,142,752	1,680,217	9,799,345	13,067,686	31,850,548	9,640,033	15,491,465	16,617,954	29,825,172	14,751,374	19,186,403	23,632,051	48,514,325	18,489,999	21,273,341	22,555,335	38,977,125	22,953,905	21,565,269	23,111,701	20,673,991	22,901,449	22,614,998	37,626,143	19,581,835	23,303,924	20,182,098	34,235,997	18,064,061	20,234,230	18,714,712	29,662,857	14,751,238	14,611,833	14,635,072	-32,658,598	10,004,302	10,663,259	12,051,740	24,391,541	7,288,074	10,465,377	10,851,008	21,037,245	7,011,249	9,860,685	9,986,820	18,087,298	5,686,175	7,429,038	7,312,489	14,317,853	5,500,646	6,905,850	7,265,651	12,448,393	4,604,136	6,100,980	5,611,491	10,219,914	3,352,318
yoy	-18.47%	-106.81%	-108.80%	-86.49%	26.29%	-19.66%	37.59%	4.28%	36.73%	189.37%	-1277.37%	-208.36%	39.49%	-21.40%	-110.98%	-155.82%	-59.05%	-49.44%	-7.15%	1.68%	112.18%	-348.81%	217.50%	80.17%	-44.25%	-193.03%	-70.97%	-140.03%	30.19%	272.58%	48.35%	-264.55%	-8.50%	-82.57%	-36.74%	-21.36%	6.79%	-34.65%	-19.26%	-29.68%	-38.52%	-20.22%	-9.81%	4.77%	24.47%	-19.45%	-1.35%	-2.41%	88.53%	0.23%	-4.64%	-38.58%	5.58%	-1.73%	12.05%	9.90%	8.40%	15.17%	7.84%	15.42%	22.46%	38.48%	27.88%	-190.83%	47.45%	37.03%	21.44%	-233.89%	37.27%	1.89%	11.07%	15.94%	3.95%	6.13%	8.65%	16.31%	23.30%	32.73%	36.57%	26.33%	3.37%	7.58%	0.64%	15.02%	19.47%	13.19%	29.48%	21.81%	37.34%
qoq	-4061.19%	-53.17%	-244.80%	-96.96%	230.72%	-39.50%	122.45%	-71.63%	110.38%	3.62%	68.60%	-62.80%	345.25%	-521.61%	-84.48%	-147.89%	150.89%	-41.10%	-21.12%	-64.86%	209.75%	8.15%	-13.61%	-26.68%	-463.21%	-238.01%	-50.98%	-77.31%	506.06%	-56.94%	-167.61%	-173.79%	1634.46%	-82.85%	-25.01%	-58.97%	230.40%	-37.77%	-6.78%	-44.28%	102.19%	-23.12%	-18.81%	-51.29%	162.38%	-13.08%	-5.68%	-42.13%	69.81%	6.44%	-6.69%	11.79%	-9.73%	1.27%	-39.90%	92.15%	-15.97%	15.47%	-41.05%	89.53%	-10.73%	8.12%	-36.91%	101.09%	0.95%	-0.16%	-144.81%	-426.45%	-6.18%	-11.52%	-50.59%	234.68%	-30.36%	-3.55%	-48.42%	200.05%	-28.90%	-1.26%	-44.79%	218.09%	-23.46%	1.59%	-48.93%	160.29%	-20.35%	-4.95%	-41.63%	170.37%	-24.53%	8.72%	-45.09%	204.86%
net income margin %	20.40%	-0.65%	-1.45%	1.01%	26.79%	9.66%	16.84%	7.68%	22.01%	12.10%	11.75%	6.85%	15.90%	3.93%	-0.90%	-5.59%	11.05%	4.93%	9.03%	12.16%	30.68%	11.07%	10.77%	12.52%	12.98%	-3.96%	2.98%	6.22%	24.17%	4.55%	11.44%	-17.51%	19.19%	1.23%	7.48%	10.14%	22.03%	7.37%	11.98%	13.08%	20.69%	10.56%	14.07%	17.22%	Infinity%	Infinity%	Infinity%	Infinity%	Infinity%	Infinity%	Infinity%	Infinity%	13.82%	16.43%	17.02%	25.27%	14.40%	17.64%	16.39%	25.00%	14.33%	17.14%	16.95%	23.94%	13.13%	14.02%	14.60%	11.69%	10.04%	11.63%	13.63%	24.05%	8.28%	13.05%	14.20%	24.13%	9.46%	14.67%	15.64%	24.63%	9.27%	13.09%	14.13%	23.72%	10.35%	13.88%	15.30%	23.52%	10.40%	14.64%	13.94%	22.38%	8.59%
net income per common share:
basic	7.3	-0.19	-0.38	0.26	8.22	2.46	4.05	1.82	6.13	2.89	2.78	1.65	4.46	1	-0.24	-1.53	3.07	1.2	2.04	2.56	7.01	2.32	2.01	2.26	0.223	-0.81	0.54	1.01	0.99	0.69	1.55	1.73	0.703	0.19	1.12	1.5	1.198	1.11	1.78	1.91	1.67	1.7	2.23	2.75	1.69	2.04	2.34	2.26	1.458	2.05	1.85	1.93	1.61	1.76	1.66	1.048	1.33	1.56	1.3	0.9	1.15	1.29	1.16	0.678	0.91	0.9	0.9	0.503	0.62	0.66	0.74	0.415	0.43	0.61	0.62	0.37	0.4	0.53	0.54	0.275	0.31	0.4	0.39	0.263	0.29	0.37	0.39	0.225	0.25	0.34	0.32	17.75	19
diluted	7.18	-0.19	-0.38	0.25	8.07	2.45	3.99	1.79	6.02	2.84	2.71	1.62	4.37	0.98	-0.24	-1.53	2.94	1.14	1.94	2.44	6.79	2.25	1.96	2.24	0.215	-0.81	0.51	0.97	0.97	0.67	1.51	1.69	0.69	0.19	1.1	1.48	1.188	1.1	1.76	1.89	1.658	1.7	2.22	2.71	1.66	2.01	2.3	2.19	1.413	1.98	1.8	1.87	1.58	1.72	1.63	1.02	1.3	1.52	1.27	0.88	1.12	1.26	1.14	0.67	0.89	0.89	0.9	0.495	0.61	0.65	0.73	0.408	0.43	0.6	0.61	0.363	0.39	0.52	0.53	0.268	0.3	0.39	0.38	0.253	0.28	0.36	0.37	0.213	0.23	0.32	0.3	17.25	19
weighted-average common shares outstanding:
basic	4,941,307	4,759,405	5,092,845	5,224,004	5,425,483	5,436,688	5,469,276	5,480,205	5,748,554	5,772,503	5,780,061	5,772,733	5,749,492	5,761,954	5,726,469	5,740,835	6,072,170	6,118,591	6,083,255	6,158,486		6,233,961	6,680,969	6,867,457										8,787,835	8,713,638	8,687,195		8,701,975	8,727,238	8,721,718		8,657,675	8,621,388	8,588,647		9,043,190	9,087,825	10,001,196		11,203,826	11,629,326	12,002,061	12,837,327	12,985,345	13,614,838		14,747,139	14,915,026	15,481,814		15,704,165																				18,299,647	18,527,955	18,812,083		18,817,044	18,593,156	18,669,757		18,403,143	18,107,073	17,767,836		17,550,523
diluted	5,025,781	4,759,405	5,092,845	5,288,643	5,506,985	5,464,217	5,548,518	5,567,818	5,861,900	5,860,117	5,938,705	5,891,299	5,898,670	5,857,490	5,726,469	5,740,835	6,364,066	6,403,788	6,413,079	6,455,753		6,452,385	6,853,425	6,928,121										8,937,960	8,895,274	8,826,595		8,782,597	8,804,584	8,770,374		8,694,051	8,648,624	8,711,960		9,208,808	9,263,137	10,289,755		11,592,638	11,979,939	12,342,690	13,100,289	13,287,278	13,901,933		15,119,679	15,327,695	15,918,044		16,103,482																				18,896,334	19,147,348	19,477,107		19,604,191	19,429,018	19,489,314		19,691,940	19,163,252	18,759,787		17,936,993
income taxes																	4,857,316	390,942	1,640,754	4,770,470	11,409,228	2,417,999	3,766,735	5,526,637	4,354,302	429,997	-395,121	2,362,822	6,983,544	833,958	3,604,153	4,559,345	19,533,637	13,611,756	6,530,719	7,837,888	16,873,101	4,678,757	8,932,101	9,913,041	16,430,640	10,774,828	8,962,847	14,324,685	28,317,002	10,244,992	13,047,229	13,587,777	23,578,262	13,579,366	12,941,679	13,536,693	12,369,212	13,871,151	13,520,731	22,890,794	10,683,304	13,367,213	12,237,689	19,479,528	10,817,534	10,369,185	11,333,753	19,360,255	8,632,677	9,065,930	8,724,138	-19,486,522	5,658,849	6,622,232	7,242,362	14,748,824	6,723,034	6,454,021	6,795,121	12,919,543	4,444,007	5,975,004	5,935,446	10,930,000	3,350,000	4,432,000	4,368,000	8,563,000	3,160,000	3,968,000	4,177,000	7,670,000	2,533,000	3,358,000	3,089,000	6,028,000	1,846,000
insurance income, net and other income																			19,713,684	20,484,663	28,798,425	16,059,793	15,555,201	14,006,346	33,833,211	16,854,871	15,482,084	15,531,834	32,777,180	14,640,547	13,625,666	14,345,607	27,414,781	13,674,973	12,611,364	13,270,882	9,470,569.5	12,557,608	12,289,381	13,035,289
continuing operations
provision for loan losses																									32,251,423	55,219,470	52,968,036	41,291,071	28,533,799	48,943,886	40,358,696	30,590,619	17,408,065	43,754,905	38,975,972	30,840,058	20,702,141	39,984,838	35,870,744	32,014,277	24,372,453	35,440,402	37,557,136	26,228,009	13,483,256	38,292,746	36,160,733	30,893,266	18,568,226	41,115,932	38,187,649	28,703,193	37,394,633	32,401,664	23,614,890	16,700,489	36,109,128	30,057,269	22,839,114	16,972,736	31,961,952	27,275,104	19,698,208	15,081,921	29,632,781	25,156,035	20,428,263	-70,568,902	29,490,333	23,307,132	17,856,913	11,685,830	23,223,929	18,415,731	14,216,510	8,579,713	18,365,040	13,812,779	11,167,468	6,628,659	16,726,019	13,131,219	9,540,103	6,396,819	13,730,844	11,281,929	8,627,408	5,146,776	11,076,780	9,328,087	7,929,357	5,393,290	10,208,829
income from continuing operations before income taxes																									25,507,970	-5,394,071	3,824,880	10,971,221	44,923,650	7,094,120	17,663,220	20,197,010
income from continuing operations																									1,751,083	-5,824,068	4,220,001	8,608,399	8,989,223.5	6,260,162	14,059,067	15,637,665
discontinued operations
income from discontinued operations before disposal of discontinued operations and income taxes																													585,456.25
loss on disposal of discontinued operations
loss from discontinued operations
net income per common share from continuing operations:
basic	7.3	-0.19	-0.38	0.26	8.22	2.46	4.05	1.82	6.13	2.89	2.78	1.65	4.46	1	-0.24	-1.53	3.07	1.2	2.04	2.56	7.01	2.32	2.01	2.26	0.223	-0.81	0.54	1.01	0.99	0.69	1.55	1.73	0.703	0.19	1.12	1.5	1.198	1.11	1.78	1.91	1.67	1.7	2.23	2.75	1.69	2.04	2.34	2.26	1.458	2.05	1.85	1.93	1.61	1.76	1.66	1.048	1.33	1.56	1.3	0.9	1.15	1.29	1.16	0.678	0.91	0.9	0.9	0.503	0.62	0.66	0.74	0.415	0.43	0.61	0.62	0.37	0.4	0.53	0.54	0.275	0.31	0.4	0.39	0.263	0.29	0.37	0.39	0.225	0.25	0.34	0.32	17.75	19
diluted	7.18	-0.19	-0.38	0.25	8.07	2.45	3.99	1.79	6.02	2.84	2.71	1.62	4.37	0.98	-0.24	-1.53	2.94	1.14	1.94	2.44	6.79	2.25	1.96	2.24	0.215	-0.81	0.51	0.97	0.97	0.67	1.51	1.69	0.69	0.19	1.1	1.48	1.188	1.1	1.76	1.89	1.658	1.7	2.22	2.71	1.66	2.01	2.3	2.19	1.413	1.98	1.8	1.87	1.58	1.72	1.63	1.02	1.3	1.52	1.27	0.88	1.12	1.26	1.14	0.67	0.89	0.89	0.9	0.495	0.61	0.65	0.73	0.408	0.43	0.6	0.61	0.363	0.39	0.52	0.53	0.268	0.3	0.39	0.38	0.253	0.28	0.36	0.37	0.213	0.23	0.32	0.3	17.25	19
net loss per common share from discontinued operations:
gain on disposal of discontinued operations																													-9,594,405.75		628,921
net income per common share from discontinued operations:
net loss per common share from discontinued operations:
basic
diluted
income from discontinued operations																													381		478,578	-37,140,959
income from discontinued operations before impairment loss and income taxes																																2,341,825
impairment loss																																39,006,544
insurance commissions, net and other income																																									9,915,001	12,826,307	12,447,487	14,386,210
revenue:
insurance commissions and other income																																													37,722,500	16,240,103	16,077,229	15,896,169	22,972,523	18,280,069	16,953,202	17,287,206	19,327,915	17,580,470	17,536,688	23,133,364	18,833,629	15,906,450	15,807,557	21,597,792	16,577,751	14,348,036
total revenue																																													114,128,500	153,647,386	152,554,639	150,311,976	113,930,554.25	160,493,511	149,963,579	145,265,127
general and administrative expense:
general and administrative expense: - sum																																																														56,090,744
total expense																																																														87,461,676
weighted average common shares outstanding:
basic																																																														15,653,612	16,130,434		16,298,477	16,235,346	16,225,294		16,203,282	16,213,658	16,270,939		16,892,219	17,199,072	17,510,229				18,422,341
diluted																																																														16,023,071	16,446,340		16,575,841	16,418,257	16,351,157		16,341,536	16,492,710	16,573,100		17,148,112	17,523,369	17,916,288				18,741,307
general and administrative expenses: - sum																																																															57,297,523	40,156,266.75	55,537,387		53,332,745	37,221,124.25	51,715,341	48,379,301	48,789,855	32,897,820.25	47,469,676	41,931,535	42,190,070	27,898,900	41,459,499	35,289,497	34,846,605	23,196,524.25	33,415,187	30,130,435	29,240,475	20,602,592.75	29,460,261	26,531,070	26,419,040	17,419,384.75	25,074,259	21,960,822	22,642,458	15,710,683.5	22,451,633
weighted average common equivalent shares outstanding:
basic																																																														15,653,612	16,130,434		16,298,477	16,235,346	16,225,294		16,203,282	16,213,658	16,270,939		16,892,219	17,199,072	17,510,229				18,422,341
diluted																																																														16,023,071	16,446,340		16,575,841	16,418,257	16,351,157		16,341,536	16,492,710	16,573,100		17,148,112	17,523,369	17,916,288				18,741,307
data processing																																																																375,912.5	475,639	494,415	533,596	435,846	572,987	580,950	589,447	383,248.5	343,486	639,703	549,805	405,244	571,233	555,005	494,738	381,101.75	511,794	511,997	500,616	352,396.75	542,405	399,201	467,981	348,190.75	470,207	445,904	476,652	328,941.25	447,284
weighted average common shares
outstanding:
basic																																																																												4,542,414.75	17,572,202	18,514,433
diluted																																																																												4,636,859.75	17,950,091	18,884,094
weighted-average common equivalent shares outstanding:
basic	4,941,307	4,759,405	5,092,845	5,224,004	5,425,483	5,436,688	5,469,276	5,480,205	5,748,554	5,772,503	5,780,061	5,772,733	5,749,492	5,761,954	5,726,469	5,740,835	6,072,170	6,118,591	6,083,255	6,158,486		6,233,961	6,680,969	6,867,457										8,787,835	8,713,638	8,687,195		8,701,975	8,727,238	8,721,718		8,657,675	8,621,388	8,588,647		9,043,190	9,087,825	10,001,196		11,203,826	11,629,326	12,002,061	12,837,327	12,985,345	13,614,838		14,747,139	14,915,026	15,481,814		15,704,165																				18,299,647	18,527,955	18,812,083		18,817,044	18,593,156	18,669,757		18,403,143	18,107,073	17,767,836		17,550,523
diluted	5,025,781	4,759,405	5,092,845	5,288,643	5,506,985	5,464,217	5,548,518	5,567,818	5,861,900	5,860,117	5,938,705	5,891,299	5,898,670	5,857,490	5,726,469	5,740,835	6,364,066	6,403,788	6,413,079	6,455,753		6,452,385	6,853,425	6,928,121										8,937,960	8,895,274	8,826,595		8,782,597	8,804,584	8,770,374		8,694,051	8,648,624	8,711,960		9,208,808	9,263,137	10,289,755		11,592,638	11,979,939	12,342,690	13,100,289	13,287,278	13,901,933		15,119,679	15,327,695	15,918,044		16,103,482																				18,896,334	19,147,348	19,477,107		19,604,191	19,429,018	19,489,314		19,691,940	19,163,252	18,759,787		17,936,993

Balance Sheets:

Quarterly

Annual

Unit: USD	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2007-12-31	2007-09-30	2007-06-30	2006-12-31	2006-09-30	2006-06-30	2005-12-31	2005-09-30	2005-06-30	2005-03-31	2004-12-31	2004-09-30	2004-06-30	2004-03-31	2003-12-31	2003-09-30	2003-06-30	2002-12-31

assets
cash	6,071,077	10,000,070																																																																												5,168,319	4,242,724	4,052,764	3,046,677	5,191,982	5,318,405	2,791,907	4,314,107	2,691,251	3,132,932	4,362,733	3,703,417
gross loans receivable	1,278,988,323	1,402,316,900	1,315,491,218	1,264,340,621	1,225,635,918	1,381,461,902	1,295,869,592	1,274,819,257	1,277,149,256	1,400,621,989	1,379,513,967	1,397,965,921	1,390,015,568	1,553,984,727	1,598,361,632	1,641,797,729	1,522,788,860	1,606,111,453	1,394,827,136	1,223,138,687	1,104,746,261	1,264,530,315	1,109,366,487	1,067,877,304		1,372,768,580	1,274,146,794	1,222,696,245	1,127,957,383	1,258,907,905	1,126,792,196	1,062,673,177	1,105,114,792	1,229,304,362	1,147,641,186	1,110,371,985	1,059,804,132	1,165,009,015	1,095,577,375	1,087,502,182	1,066,964,342	1,219,209,366	1,162,836,344	1,150,668,670	1,110,145,082	1,262,617,971	1,194,039,694	1,164,367,908	1,112,307,335	1,264,058,311	1,163,237,688	1,125,261,356	1,183,705,736	1,087,901,711	1,027,165,315	972,722,764	1,066,077,904	964,955,462	939,077,038	875,045,680	965,434,230	868,192,334	824,940,769		838,864,378		726,057,092		736,234,490	667,178,690	632,715,266	663,217,054	571,319,449	544,964,443	560,741,539	470,274,665	447,840,178	464,390,567	395,577,728	371,056,394	351,496,149	384,715,179	349,401,986	334,566,979	310,130,665	334,484,836	283,485,032	279,804,634	300,751,024
less:
unearned interest, insurance and fees	-325,064,238	-366,582,467	-339,118,657	-326,215,023	-309,320,104	-361,444,148	-338,707,505	-330,334,164	-326,746,136	-372,310,672	-370,312,342	-379,966,515	-376,674,349	-431,297,470	-439,656,242	-447,290,194	-403,030,844	-433,432,489	-370,017,101	-322,753,401	-279,364,584	-335,055,919	-289,700,225	-273,593,758		-366,034,067	-334,326,349	-320,728,557	-290,813,752	-338,132,479	-297,698,553	-280,886,555	-299,108,336	-341,926,224	-321,439,943	-312,785,512	-291,908,651	-327,308,054	-305,079,767	-302,092,006	-290,659,162	-337,504,008	-318,477,624	-314,169,997	-297,402,404
allowance for credit losses	-112,047,278	-122,648,652	-117,796,583	-109,027,028	-103,347,129	-116,110,946	-114,455,495	-109,643,363	-102,962,811	-121,082,068	-128,892,192	-129,342,988	-125,552,733	-144,539,543	-155,892,100	-155,650,679	-134,242,862	-133,281,196	-114,660,240	-97,852,630	-91,722,288	-113,467,361	-109,601,359	-112,686,597
loans receivable	841,876,807	913,085,781	858,575,978	829,098,570	812,968,685	903,906,808	842,706,592	834,841,730	847,440,309	907,229,249	880,309,433	888,656,418	887,788,486	978,147,714	1,002,813,290	1,038,856,856	985,515,154	1,039,397,768	910,149,795	802,532,656	733,659,389	816,007,035	710,064,903	681,596,949		893,664,872	838,351,132	814,614,601	755,624,007	829,469,592	749,783,268	713,757,000	725,180,728	790,904,508	739,470,442	721,060,225	695,700,589	755,897,641	714,076,297	713,417,116	706,739,376	797,216,764	764,041,007	764,538,704	742,304,690	832,606,826	790,427,790	780,976,313	750,664,875	842,122,508	774,649,582	756,861,505	792,170,610	729,166,398	694,077,489	660,577,646	717,110,442	652,306,734	635,838,270	597,716,554	654,353,859	589,535,380	563,262,015		567,743,997		493,509,352		498,787,123	453,807,094	432,218,404	451,275,279	390,396,347	373,567,595	385,504,800	323,411,630	308,905,609	320,998,263	274,185,589	258,942,648	246,350,723	266,458,423	244,844,623	235,438,766	219,267,312	230,948,592	197,204,408	195,440,401	208,797,908
restricted cash	23,303,453	32,214,683																																																								77,000,000
income taxes receivable	2,420,571	16,369,854	11,574,408	7,629,460		7,188,053	4,768,517	3,950,606	3,091,229	1,716,789				2,790,043											4,270,778																																												1,713,762
operating lease rou assets	71,526,768				76,234,832				79,501,238
property and equipment	17,430,614	17,850,427	18,465,454	19,138,343	19,765,788	20,551,225	21,445,113	22,199,110	22,897,197	23,195,803	23,695,862	23,856,064	23,926,080	24,377,670	24,741,226	24,164,316	24,476,231	24,530,719	25,066,530	24,457,334	26,340,037	26,382,402	25,910,292	25,368,794		28,215,117	27,075,833	25,766,599	25,424,183	24,436,278	23,816,135	23,254,500	25,591,418	24,972,580	24,357,676	24,400,625	24,184,207	23,762,356	23,898,428	24,465,337	25,296,913	23,313,434	23,348,985	25,704,419	25,906,507	26,058,829	25,810,308	25,637,237	24,826,238	24,448,543	23,957,389	23,664,605	24,104,749	24,319,436	23,816,077	23,485,435	22,820,385	23,198,511	23,680,458	23,366,207	23,365,695	23,439,206	23,030,801		22,936,050		23,318,963		23,068,885	22,969,529	20,100,045	17,834,844	16,937,440	15,576,812	13,880,208	13,072,849	11,516,748	10,891,998	10,738,489	10,220,682	9,806,237	9,917,341	9,634,081	9,406,414	9,273,602	9,088,095	8,237,816	8,347,636	7,591,893
deferred income taxes	41,241,258	32,106,174	32,495,434	29,126,983	33,291,074	31,967,282	32,231,220	32,425,138	30,942,844	37,047,569	41,857,758	43,271,950	41,722,361	42,385,118	47,298,889	45,579,442	39,801,457	34,808,153	34,248,014	28,782,464	24,992,742	26,507,211	29,425,306	28,131,930	24,805,767	30,544,941	31,898,939	25,903,849	23,830,899	23,781,795	22,892,445	19,807,871	30,239,637	36,326,357	46,864,971	40,272,046	39,025,069	43,612,003	41,890,996	39,339,204	38,130,982	41,036,440	38,517,555	37,481,624	37,345,605	41,382,087	36,902,365	34,495,110	33,514,189	39,109,347	36,242,999	30,340,460	28,247,787	25,598,948	18,631,692	18,473,998			14,741,531	14,480,025			11,837,036	16,983,000	13,027,279	16,983,000	12,700,000	16,983,000	18,927,215	18,387,390
other assets	38,669,890	36,130,237	40,191,363	42,430,604	40,871,600	36,775,212	41,182,963	45,599,564	42,198,242	38,046,804	40,125,544	41,147,435	43,422,669	41,104,168	41,303,565	44,230,355	35,901,704	37,596,701	35,544,370	38,865,715	31,423,134	28,896,627	26,122,886	25,593,759	20,734,227	23,640,426	16,151,630	16,493,178	18,398,935	16,974,557	20,970,694	12,467,496	14,210,186	15,089,779	13,580,050	13,471,542	13,797,098	13,024,333	12,513,517	14,155,865	14,636,573	15,307,988	15,823,950	17,428,639	12,749,771	11,972,598	12,693,015	12,106,647	11,707,639	11,962,243	11,149,842	10,804,420	11,929,292	10,348,397	10,655,824	10,527,420	10,366,926	9,309,118	8,872,979	10,804,113	16,230,865	13,693,359	11,948,548	9,970,000	10,350,317	9,970,000	9,560,074	9,970,000	9,629,478	9,795,233	10,538,303	8,994,224	9,889,035	10,678,534	11,480,160	8,643,710	7,013,501	5,810,263	5,986,420	4,956,018	6,254,360	15,587,762	14,784,907	14,726,881	13,600,296	13,275,930	12,576,138	12,767,460	12,609,044
goodwill	7,370,791	7,370,791	7,370,791	7,370,791	7,370,791	7,370,791	7,370,791	7,370,791	7,370,791	7,370,791	7,370,791	7,370,791	7,370,791	7,370,791	7,370,791	7,370,791	7,370,791	7,370,791	7,370,791	7,370,791	7,370,791	7,370,791	7,370,791	7,370,791		7,240,419	7,262,146	7,239,122	7,034,463	7,034,463	7,034,463	7,034,463	7,034,463	7,034,463	7,034,463	8,432,463	6,067,220	6,067,220	6,067,220	6,121,458	6,121,458	6,121,458	6,121,458	6,121,458	6,121,458	6,121,458	5,967,127	5,967,127	5,967,127	5,967,127	5,967,127	5,967,127	5,896,288	5,896,288	5,690,934	5,690,934	5,634,586	5,634,586	5,634,586	5,634,586	5,634,586	5,608,980	5,653,872		5,580,946		5,580,946		5,583,864	5,384,021	5,379,008	5,352,675	5,332,965	5,337,582	5,021,315	4,936,243	4,761,110
intangible assets	4,209,415	4,977,897	5,754,942	6,563,566	7,394,581	8,301,486	9,106,517	10,063,983	11,069,733	12,106,773	13,157,700	14,220,264	15,289,579	16,403,420	17,517,960	18,839,009	19,756,114	21,027,359	22,306,060	22,339,503	23,537,517	24,886,162	22,930,322	24,051,703		24,825,430	27,448,670	23,649,536	15,340,153	14,684,675	8,856,698	6,380,849	6,644,301	6,791,985	6,981,251	4,584,458	6,614,182	2,588,118	2,696,588	2,806,483	2,916,537	3,038,064	3,169,261	3,223,464	3,363,753	3,429,929	3,543,769	3,638,920	3,777,810	4,013,323	4,253,263	4,495,692	4,661,412	4,927,477	5,132,766	5,479,490	5,723,550	5,884,884	6,257,028	6,364,890	6,780,280	7,090,649	7,242,700		7,541,218		8,513,911		9,513,171	9,927,166	10,275,201	10,509,355	10,906,860	11,487,806	11,624,127	10,927,995	11,465,933	17,383,195	17,116,809	17,096,756	17,358,505	17,020,525	17,484,270	16,019,546	15,514,003	13,906,415	14,304,138	14,442,072	15,097,337
total assets	1,054,120,644	1,142,378,711	1,062,361,549	1,024,056,405	1,007,627,647	1,110,500,183	1,049,161,822	1,048,436,030	1,056,351,043	1,119,538,669	1,105,699,861	1,113,973,899	1,117,318,141	1,216,978,078	1,247,257,319	1,279,073,086	1,218,296,589	1,270,204,857	1,140,579,153	1,023,676,647	954,269,164	1,034,028,898	932,290,939	902,644,599	1,028,091,272	1,143,011,550	1,077,816,368	1,040,692,665	854,988,073	927,513,155	838,949,414	811,977,754	840,987,037	906,091,036	857,069,130	826,763,870	800,588,775	860,937,330	817,398,334	810,429,238	806,218,863	906,976,548	863,580,166	871,709,078	866,130,719	938,349,263	889,975,990	878,866,105	850,027,561	947,010,845	870,709,435	843,533,219	884,184,491	812,961,309	770,880,068	735,003,099	796,553,070	804,352,851	704,826,676	666,396,955	735,265,817	661,508,619	629,258,528	531,254,000	640,125,540	531,254,000	560,323,194	531,254,000	574,362,163	528,340,516	504,656,973	522,519,593	458,973,636	443,346,239	446,479,409	371,564,437	352,458,016	363,667,038	322,960,031	305,958,868		314,176,033	292,066,286	278,383,514		269,910,283	235,455,432	235,360,302
liabilities & shareholders' equity
liabilities:
revolving credit facility	443,935,446	575,684,917	584,586,124
warehouse facility	143,293,355	101,548,309
senior unsecured notes payable				169,064,077	184,418,211	223,910,142	239,310,556	251,013,681	272,609,632	279,915,756	284,378,749	285,620,007	287,352,892	296,050,414	295,792,943	295,645,228	295,393,991	295,142,754	294,897,327
income taxes payable					222,742						1,946,851	3,812,177	2,532,766		1,504,592	6,631,980	7,384,169	1,591,376	8,258,170	12,407,028	11,575,861	852,920	4,723,017	7,548,261		52,274	1,521,276	12,717,210	11,550,197	10,800,106	13,565,183	17,846,549	14,534,970	5,403,210	12,084,685	15,008,259	12,519,417	10,983,930	10,114,291	18,413,353	8,258,642	4,412,576	1,335,779	18,588,841	18,204,186	6,002,018	7,691,545	20,013,098	9,521,285	6,545,270	6,024,686	14,959,237	5,190,481	6,626,266	12,832,370	11,528,236	5,442,895	11,615,103	17,832,561	13,097,419	8,128,593	2,974,103	16,110,597	11,253,000	5,624,845	11,253,000	12,591,774	11,253,000		238,987	11,661,721	3,503,527	1,605,074	9,082,929		1,054,978	4,376,033		5,479,240	5,666,320	1,624,069			3,353,595	383,009			2,405,079
operating lease liability	73,964,708	74,693,579	75,496,891	77,086,765	78,689,723	81,207,297	82,859,962	83,136,404	81,920,865	82,471,106	82,948,163	81,988,898	83,735,002	86,010,194	87,968,174	88,303,738	87,399,049	87,677,147	89,754,406
accounts payable and accrued expenses	37,996,315	38,849,724	36,632,393	47,380,523	42,365,032	41,263,775	43,897,657	49,947,032	53,974,198	45,043,161	49,847,400	45,889,309	50,559,920	48,801,124	54,511,102	52,925,714	58,042,139	51,066,970	52,672,524	48,227,317	41,040,287	40,329,254	38,911,164	54,032,277	59,742,012	43,403,227	42,389,238	34,053,486	39,381,251	34,604,163	30,203,556	30,600,024	40,444,215	34,897,062	34,082,136	32,743,097	31,869,581	30,026,931	28,881,662	26,879,157	31,373,640	27,758,716	25,820,190	27,914,815	31,208,814	27,327,059	28,977,703	26,457,981	27,650,955	28,645,482	25,109,026	25,452,992	26,786,164	22,345,114	22,587,649	25,349,850	22,684,593	20,493,944	19,709,756	23,293,967	29,654,163	24,278,386	23,586,477		24,854,275		20,464,462		22,734,404	16,406,308	15,960,797	17,527,629	13,470,527	13,600,274	15,468,602	13,289,795	12,028,291	11,384,789	9,588,661	9,175,718	18,271,240	5,675,175	14,673,191	7,672,267	9,973,974	4,619,866	5,148,075	6,562,609	6,894,727
deferred revenue	3,925,529
total liabilities	703,115,353	790,776,529	696,715,408	596,205,067	568,147,183	682,330,234	631,698,068	625,824,862	631,923,827	712,519,503	695,677,066	717,086,422	732,091,404	857,351,937	890,675,653	924,946,034	845,272,161	860,798,592	721,571,812	618,205,785	549,341,723	675,166,709	565,015,788	511,401,684	613,601,398	750,854,403	682,872,331	491,032,604	302,871,448	353,444,269	273,958,739	294,705,079	299,879,185	417,150,272	366,916,821	348,301,356	339,525,198	438,947,061	399,582,153	405,652,510	414,317,282	544,106,292	516,740,969	535,453,656	550,563,000	625,279,077	596,369,248	594,571,079	542,672,240	618,440,752	517,983,712	489,362,229	524,676,645	415,571,380	389,020,019	316,128,086	357,042,488	391,709,047	284,786,163	223,821,786	320,623,600	269,415,518	258,143,884	240,868,000	292,973,447	240,868,000	246,618,882	240,868,000	313,084,404	273,345,295	254,722,518	294,481,156	240,475,601	215,633,203	252,368,602	137,544,773	129,604,324	171,584,789	137,467,901	115,092,038	103,795,309	138,525,175	124,973,191	121,757,862	105,388,983	129,251,866	102,580,075	111,699,688	143,026,727
commitments and contingencies																																																																						528,340,516		522,519,593		443,346,239		371,564,437	352,458,016								261,969,320
shareholders' equity:
preferred stock, no par value authorized 5,000,000, no shares issued or outstanding
common stock
additional paid-in capital	279,442,411	275,452,634	273,503,381	266,471,596	266,426,478	267,074,904	268,746,030	285,924,247	286,432,952	284,870,280	287,246,730	290,193,831	288,071,839	286,232,769	288,947,268	285,126,690	280,907,085	274,991,975	272,572,177	261,446,129	255,590,674	240,805,369	237,547,566	231,678,312		221,172,751	218,135,573	208,876,263	198,125,649	187,258,977	180,680,619	178,791,182	175,887,227	157,872,907	155,823,825	153,113,397	144,241,105	143,337,560	140,180,792	139,384,378	138,835,064	140,058,712	137,703,525	140,744,192	141,864,764	133,711,408	126,434,155	122,060,139	118,365,503	110,032,897	100,525,690	95,207,427	81,748,912	73,895,896	69,980,816	65,630,753			51,031,006	47,352,738	37,561,574		28,999,130	2,421,000	22,072,097	2,421,000	18,167,930	2,421,000	593,042	1,092,398	4,439,016	2,830,522	564,437	7,635,005	878,241	5,710,047	4,425,830	911,316		5,807,204	11,964,056	12,221,280	9,164,163	5,602,570	12,822,906	9,349,501	6,170,577	120,603,800
retained earnings	71,562,880	76,149,548	92,142,760	161,379,742	173,053,986	161,095,045	148,717,724	136,686,921	137,994,264	122,148,886	122,776,065	106,693,646	97,154,898	73,393,372	67,634,398	69,000,362	92,117,343	134,414,290	146,435,164	144,024,733	149,336,767	118,056,820	129,727,585	159,564,603		170,984,396	176,808,464	340,783,798	353,990,976	386,809,909	384,310,056	369,772,411	391,275,705	362,132,935	360,452,718	350,653,373	344,605,347	312,754,505	308,110,281	292,618,816	276,000,862	246,175,133	231,423,759	212,237,356	188,605,305	192,008,222	173,518,224	165,748,908	193,095,944	222,660,011	256,643,073	262,401,627	281,150,232	326,355,956	316,863,898	355,980,694	384,170,200	365,509,693	368,432,513	395,086,232	378,251,430	362,127,432	344,345,080	292,195,000	327,516,403	292,195,000	298,153,332	292,195,000	264,210,985	254,303,634	244,864,508	225,285,667	217,997,593	220,070,816	193,246,823	228,404,900	218,544,215	191,183,590	185,497,415	185,059,626	177,747,137	163,429,578	157,928,932	151,023,082	143,757,431	131,308,916	126,704,780	123,660,614	104,772,872
total shareholders' equity	351,005,291	351,602,182	365,646,141	427,851,338	439,480,464	428,169,949	417,463,754	422,611,168	424,427,216	407,019,166	410,022,795	396,887,477	385,226,737	359,626,141	356,581,666	354,127,052	373,024,428	409,406,265	419,007,341	405,470,862	404,927,441	358,862,189	367,275,151	391,242,915		392,157,147	394,944,037	549,660,061	552,116,625	574,068,886	564,990,675	517,272,675	541,107,852	488,940,764	490,152,309	478,462,514	461,063,577	421,990,269	417,816,181	404,776,728	391,901,581	362,870,256	346,839,197	336,255,422	315,567,719	313,070,186	293,606,742	284,295,026	307,355,321	328,570,093	352,725,723	354,170,990	359,507,846	397,389,929	381,860,049	418,875,013	439,510,582	412,643,804	420,040,513	442,575,169	414,642,217	392,093,101	371,114,644		347,152,093		313,704,312		261,277,759	254,995,221	249,934,455	228,038,437	218,498,035	227,713,036	194,110,807	234,019,664	222,853,692
total liabilities and shareholders' equity	1,054,120,644	1,142,378,711	1,062,361,549	1,024,056,405	1,007,627,647	1,110,500,183	1,049,161,822	1,048,436,030	1,056,351,043	1,119,538,669	1,105,699,861	1,113,973,899	1,117,318,141	1,216,978,078	1,247,257,319	1,279,073,086	1,218,296,589	1,270,204,857	1,140,579,153	1,023,676,647	954,269,164	1,034,028,898	932,290,939	902,644,599	1,028,091,272	1,143,011,550	1,077,816,368	1,040,692,665	854,988,073	927,513,155	838,949,414	811,977,754	840,987,037	906,091,036	857,069,130	826,763,870	800,588,775	860,937,330	817,398,334	810,429,238	806,218,863	906,976,548	863,580,166	871,709,078	866,130,719	938,349,263	889,975,990	878,866,105	850,027,561	947,010,845	870,709,435	843,533,219	884,184,491	812,961,309	770,880,068	735,003,099			704,826,676	666,396,955	735,265,817
operating lease right‐of‐use assets		72,272,797	73,051,103	74,571,796		78,856,773	80,604,346	80,865,970		80,049,367	80,396,803	79,462,179	81,289,240	83,437,329	85,517,078	86,224,493	85,631,304	86,097,524	88,197,277
cash and cash equivalents			14,882,076	8,126,292	9,730,296	15,582,553	9,745,763	11,119,138	11,839,460	12,775,524	18,785,970	15,988,798	16,508,935	20,961,825	20,694,520	13,302,590	19,236,322	18,667,639	16,886,215	8,387,320	15,746,454	9,690,662	13,987,906	9,960,153		12,038,992	10,224,755	9,759,095	9,335,433	11,131,795	5,595,711	10,262,901	32,086,304	24,971,364	18,780,277	14,542,511	15,200,410	15,985,659	16,255,288	10,123,775	12,377,024	20,942,400	12,557,950	17,210,770	38,338,935	16,777,536	14,631,616	16,044,751	19,569,683	19,387,754	14,489,233	11,399,410	17,174,353	12,704,365	12,875,286	10,768,176	14,265,523	13,060,903	9,801,824	8,030,580	12,863,518	8,825,282	6,283,556		12,945,733		7,139,948		7,138,665	8,070,083	8,098,525	7,728,090	5,863,479	7,387,283	7,121,417	6,601,102	4,897,115
senior notes payable				302,673,702	262,451,475	335,949,020	265,629,893	241,727,745	223,419,132	305,089,480	276,555,903	299,776,031	307,910,824	426,490,205	450,898,842	481,393,450	396,972,746	425,174,040	275,705,753	467,699,588	405,007,500	539,600,000	424,900,000	352,205,500		583,731,400	518,831,400	326,390,000	251,940,000	308,040,000	230,190,000	239,840,000	244,900,000	376,850,000	320,750,000	300,550,000	295,136,200	397,936,200	360,586,200	360,360,000	374,685,000	511,935,000	489,585,000	488,950,000	501,150,000	591,950,000	559,700,000	548,100,000	505,500,000	583,250,000	486,850,000	448,950,000	492,700,000	386,600,000	353,600,000	229,250,000		232,600,000	141,150,000	82,250,000	178,600,000	138,850,000	146,050,000		185,560,000		137,660,000		185,350,000	146,700,000	116,900,000	163,050,000	115,000,000	82,550,000	126,300,000	122,600,000	112,600,000	159,400,000	121,600,000	99,450,000	82,900,000	131,850,000	109,300,000	109,250,000	91,350,000	120,950,000	93,750,000	99,050,000	131,650,000
finance lease right‐of‐use assets																505,234	607,512	708,203	810,101
finance lease liability																45,924	80,067	146,305	283,632
assets held for sale																				1,143,528	1,143,528	1,143,528	1,143,528	3,991,498								19,012,674
right-of-use asset																				89,797,336	90,055,572	93,144,480	95,335,005	96,579,022		122,841,353	119,403,263	117,266,685
lease liability																				89,871,852	91,718,075	94,384,535	96,481,607	97,615,646		123,667,502	120,130,417	117,871,908
shareholders' equity																									414,489,874
allowance for loan losses																										-113,069,641	-101,469,313	-87,353,087	-81,519,624	-91,305,834	-79,310,375	-68,029,622	-80,825,728	-96,473,630	-86,730,801	-76,526,248	-72,194,892	-81,803,320	-76,421,311	-71,993,060	-69,565,804	-84,488,594	-80,317,713	-71,959,969	-70,437,988	-85,018,499	-81,817,578	-67,885,227	-63,254,940	-74,602,245	-67,608,005	-61,630,967	-66,804,471	-61,328,777	-55,670,131	-54,507,299	-61,118,863	-54,164,473	-50,419,957	-48,354,994	-53,255,857	-48,343,421	-44,105,503		-47,679,342		-40,786,537		-42,575,525	-38,120,647	-35,288,061	-36,789,724	-32,268,714	-29,682,281	-30,715,136	-26,548,792		-25,470,759	-22,223,421	-20,531,043	-20,672,740	-23,183,507	-20,421,599	-18,644,931	-17,260,750	-19,901,729	-17,052,677	-16,247,662	-17,816,857
assets of discontinued operations
liabilities of discontinued operations
accumulated other comprehensive loss																																-31,290,918	-26,055,080	-31,065,078	-26,124,234	-25,304,256	-27,782,875	-34,101,796	-30,474,892	-27,226,466	-22,934,345	-23,363,589	-22,288,087	-16,726,126	-14,902,350	-12,649,444	-6,345,637	-3,514,021	-4,106,126	-4,122,815	-4,443,040	-3,438,064	-3,391,298	-2,861,923							-1,170,787	-1,421,121	-2,229,566		-2,436,407							-77,752	-63,995		-14,257	-95,283
liabilities held for sale																																6,418,506
unearned interest and fees																																														-344,992,646	-321,794,326	-315,506,368	-298,387,520	-347,333,558	-320,980,101	-306,768,884	-324,730,655	-297,406,536	-277,417,695	-257,637,819	-287,848,599	-258,484,255	-252,818,811	-228,974,132	-257,824,514	-230,313,533	-217,573,251		-223,441,039		-191,761,203		-194,871,842	-175,250,949	-165,208,801	-175,152,051	-148,654,388	-141,714,567	-144,521,603	-120,314,243		-117,921,545	-99,168,718	-91,582,703		-95,073,249	-84,135,764	-80,483,282		-83,634,515	-69,227,947	-68,116,571	-74,136,259
junior subordinated note payable																																																								50,000,000	50,000,000	50,000,000	30,000,000	30,000,000	30,000,000	30,000,000
accumulated other comprehensive income																																																							-4,984,665	-2,736,434	-6,285,281	-4,947,256	576,994	136,199							-2,616,950		-3,526,268	-400,811	630,931			7,215
convertible senior subordinated notes payable, net of discount																																																																95,000,000		95,000,000		95,000,000
deferred taxes																																																									20,631,658	17,958,115			16,037,014	13,315,763										20,825,126
senior revolving notes payable																																																									278,915,000
convertible senior subordinated notes payable																																																										77,000,000	77,000,000	77,000,000	77,000,000	77,000,000	77,000,000		84,000,000		85,000,000		105,000,000	110,000,000	110,000,000	110,000,000	110,000,000	110,000,000	110,000,000
discount on convertible subordinated notes payable																																																											-906,154	-1,819,600
net of discount																																																										77,000,000	76,093,846	75,180,400	74,240,844
additional paid in capital																																																									61,625,663	52,081,367				31,386,790
preferred stock, no par value
authorized 5,000,000, no shares issued or outstanding
authorized 95,000,000 shares; issued and outstanding 14,636,365 and 15,711,365 shares at september 30, 2011 and march 31, 2011, respectively
authorized 95,000,000 shares; issued and outstanding 15,711,365 and 16,521,553 shares at march 31, 2011 and march 31, 2010, respectively
discount on convertible notes																																																													-2,759,156
discount on convertible note																																																														-3,686,971
authorized 95,000,000 shares; issued and outstanding 15,648,438 and 16,521,553 shares at september 30, 2010 and march 31, 2010, respectively
debt discount																																																															-4,603,190		-7,065,673		-9,097,354
authorized 5,000,000 shares, no shares issued or outstanding
authorized 95,000,000 shares; issued and outstanding 15,656,482 and 16,521,553 shares at june 30, 2010 and march 31, 2010, respectively
consolidated balance sheets
total shareholders’ equity																																																																290,386,000		290,386,000		290,386,000										192,082,249	185,492,130	190,866,830	189,711,193	175,650,858	167,093,095	156,625,652	156,580,337	140,658,417	132,875,357	235,360,302	104,772,872
total liabilities and shareholders’ equity																																																																531,254,000		531,254,000		531,254,000
authorized 95,000,000 shares; issued and outstanding 16,376,553, 16,211,659 and 16,159,559 shares at december 31, 2009, march 31, 2009 and december 31, 2008, respectively
other notes payable																																																																							200,000	400,000	400,000	400,000	600,000	600,000	600,000	800,000	800,000	800,000	1,000,000	1,000,000	1,000,000	1,482,000		1,682,000	1,682,000	1,682,000
authorized 95,000,000 shares; issued and outstanding 16,231,962, 16,211,659, and 16,360,543 shares at june 30, 2009, march 31, 2009, and june 30, 2008, respectively
preferred stock, no par value authorized 5,000,000 shares, no shares issued or outstanding
authorized 95,000,000 shares; issued and outstanding 16,195,943 and 16,278,684 shares at september 30, 2008 and march 31, 2008, respectively
deferred tax benefit																																																																							18,047,487		19,647,510	19,310,627	11,847,382	3,970,908	3,898,000	3,415,000	10,690,000	10,690,000
authorized 95,000,000 shares; issued and outstanding 16,360,543 and 16,278,684 shares at june 30, 2008 and march 31, 2008, respectively
authorized 95,000,000 shares; issued and outstanding 16,878,552 and 17,492,521 shares at december 31, 2007 and march 31, 2007, respectively
authorized 95,000,000 shares; issued and outstanding 16,850,071 and 17,492,521 shares at september 30, 2007 and march 31, 2007, respectively
authorized 5,000,000 shares, no shares issued
or outstanding
authorized 95,000,000 shares; issued and outstanding
17,520,521 and 17,492,521 shares at june 30, 2007
and march 31, 2007, respectively
17,571,666 and 18,336,604 shares at december 31, 2006
and march 31, 2006, respectively
18,531,691 and 18,336,604 shares at september 30, 2006
18,500,008 and 18,336,604 shares at june 30, 2006
liabilities & shareholders’ equity
shareholders’ equity:
authorized 95,000,000 shares; issued and outstanding 18,321,004 and 18,948,907 shares at december 31, 2005 and march 31, 2005, respectively
accumulated other comprehensive loss, net of tax																																																																														-12,657	-5,285
authorized 95,000,000 shares; issued and outstanding 18,270,954 and 18,948,907 shares at september 30, 2005 and march 31, 2005, respectively
authorized 95,000,000 shares; issued and outstanding 18,735,557 and 18,948,907 shares at june 30, 2005 and march 31, 2005, respectively
unearned interest and deferred fees																																																																																	-84,472,686				-73,602,603
deferred tax asset																																																																																	10,690,000
liabilities and shareholders’ equity
subordinated notes payable																																																																																					2,000,000	2,000,000	2,000,000	2,000,000	4,000,000
authorized 95,000,000 shares; issued and outstanding 18,984,907 and 18,857,197 shares at march 31, 2005 and 2004, respectively
revenues:
interest and fee income																																																																																	177,581,630				151,499,678				33,442,181
insurance commissions and other income																																																																																	33,176,378				27,652,829
total revenues																																																																																	210,758,008				179,152,507				39,034,611
expenses:
benefit from loan losses																																																																																	40,036,597				33,481,447				10,208,829
general and administrative expenses:
personnel																																																																																	73,361,104				62,696,557				13,363,907
occupancy and equipment																																																																																	12,430,896				10,183,032				2,215,309
data processing																																																																																	1,910,285				1,955,642				447,284
advertising																																																																																	7,792,313				7,093,498				2,850,176
amortization of intangible assets																																																																																	2,585,267				2,264,619				530,440
other																																																																																	14,143,555				12,120,018				3,044,517
interest expense																																																																																	4,640,285				3,942,572				1,175,831
total expenses																																																																																	156,900,302				133,737,385				33,836,293
income before income taxes																																																																																	53,857,706				45,415,122				5,198,318
income taxes																																																																																	19,868,000				16,650,000				1,846,000
net income																																																																																	33,989,706				28,765,122				3,352,318
net income per common share:
basic																																																																																	1.81				1.58				19
diluted																																																																																	1.74				1.49				19
weighted-average shares outstanding:
authorized 95,000,000 shares; issued and outstanding 18,926,057 and 18,857,197 shares at december 31, 2004 and march 31, 2004, respectively
authorized 95,000,000 shares; issued and outstanding 18,230,045 and 17,663,189 shares at september 30, 2004 and march 31, 2004, respectively
authorized 95,000,000 shares; issued and outstanding 18,432,397 and 18,857,197 shares at june 30, 2004 and march 31, 2004, respectively
other note payable																																																																																					1,682,000				482,000
authorized 95,000,000 shares; issued and outstanding 18,505,461 and 17,663,189 shares at december 31, 2003 and march 31, 2003, respectively
authorized 95,000,000 shares; issued and outstanding 18,230,045 and 17,663,189 shares at september 30, 2003 and march 31, 2003, respectively
authorized 95,000,000 shares; issued and outstanding 17,899,929 and 17,663,189 shares at june 30, 2003 and march 31, 2003, respectively																																																																																								3,056,814
authorized 95,000,000 shares; issued and outstanding 17,526,478 and 18,879,218 shares at december 31, 2002 and march 31, 2002, respectively
insurance and other income																																																																																									5,592,430
weighted-average common shares outstanding:

Cashflow Statements:

Quarterly

Annual

Unit: USD	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2007-09-30	2007-06-30	2007-03-31	2006-12-31	2006-09-30	2006-06-30	2006-03-31	2005-12-31	2005-09-30	2005-06-30	2005-03-31	2004-12-31	2004-09-30	2004-06-30	2004-03-31	2003-12-31	2003-09-30	2003-06-30	2003-03-31

cash flow from operating activities:
net income	36,099,484	-911,330	-1,946,197	1,344,067	44,277,517	13,388,296	22,128,158	9,947,427	35,059,242	16,664,818	16,082,419	9,538,748	25,641,873	5,758,974	-1,365,964	-8,802,893	18,382,185	7,326,732	12,440,092	15,770,828	44,883,953	14,490,606	13,398,620	15,509,649	21,153,146	-5,824,068	4,220,001	8,608,399	37,940,621	6,260,162	14,537,645	-21,503,294	29,142,770	1,680,217	9,799,345	13,067,686	31,850,842	9,640,033	15,491,465	16,617,954	29,825,729	14,751,374	19,186,403	23,632,051	48,514,783	18,489,998	21,273,342	22,555,335	38,977,057	22,953,905	21,565,269	23,111,701	20,673,991	22,901,449	22,614,998	37,626,586	19,581,835	23,303,924	20,182,098	34,236,177	18,064,061	20,234,230	18,714,712	29,663,165	14,751,238	14,611,833	14,635,072	27,984,169	10,004,302	10,663,259	12,051,740	24,391,699	7,288,074	10,465,377	10,851,008	21,037,625	7,011,250	9,860,685	9,986,820	18,087,263	5,686,175	7,429,038	7,312,489	28,489,060	-1,405,204	-359,801	7,265,651	24,160,986	-1,496,844	489,489	5,611,491	19,511,205
adjustments to reconcile net income to net cash from operating activities:
amortization of intangible assets	768,482	777,045	808,624	831,015	906,905	938,026	959,072	1,005,750	1,037,041	1,050,926	1,062,563	1,069,316	1,113,841	1,114,540	1,106,050	1,132,104	1,274,162	1,275,784	1,245,545	1,214,784	1,428,744	1,377,250	1,286,118	1,382,128	1,407,098	1,390,934	1,257,953	954,641	616,438	372,270	275,496	263,452	258,117	271,013	275,447	185,822	107,179	108,470	164,132	110,055	121,527	131,197	135,734	140,289	156,656	176,241	188,416	201,758	235,513	244,940	265,665	311,502	329,196	339,040	368,680	416,331	414,913	434,208	432,789	452,783	479,839	510,186	506,636	546,876	563,183	567,688	564,770	609,970	621,355	623,200	600,347	630,627	621,844	638,307	614,687	665,848	683,437	742,188	793,729	736,004	708,639	729,947	685,965	1,934,649	17,416	1,889	631,313	1,694,283	3,880	11,114	555,342	1,642,144
accrued unearned interest	8,122,039	-5,708,507	-2,269,838	-2,433,938	5,691,122	-2,453,044	-759,683	-1,225,006	3,093,259	-2,364,089	-981,209	-879,946	5,467,494	952,098	3,236,625	-6,442,480
loss on extinguishment of senior unsecured notes payable	0	0	3,660,428	43,438
amortization of deferred loan costs																4,404,042
amortization of debt issuance costs	537,176	520,816	228,293	279,131	298,825	318,656	333,128	347,904	348,211	343,197	510,584	484,571	484,876	424,230	363,580	382,230	396,658	396,671	156,575	145,421	169,710	174,567	170,844	144,171	128,054	128,053	128,054	133,338	135,981	135,980	111,667	208,921	208,921	208,922	208,921	238,963	371,786	371,786	582,426	703,721	1,060,470
amortization of discount on loans acquired in an asset purchase	-21,807	-44,605	-81,888	-210,541	-216,734
provision for credit losses	36,822,430	51,423,050	49,840,902	50,515,969	33,024,372	44,103,495	46,668,521	45,419,007	29,276,148	40,631,994	40,463,066	46,602,012	45,412,131			85,822,267	57,439,471	56,458,533	42,043,526	30,265,811	5,636,244	28,857,443	26,090,367	25,660,660
depreciation	1,417,811	1,413,283	1,453,910	1,516,849	1,525,669	1,552,121	1,604,128	1,643,118	1,731,388	1,707,107	1,655,547	1,574,515	1,590,989	1,632,244	1,505,434	1,510,599	1,225,887	1,671,682	905,675	2,449,931	-349,326	3,817,395	1,760,900	1,716,612	1,879,449	1,769,450	1,699,992	1,799,075	1,592,603	1,718,885	1,463,551	1,833,309	1,868,211	1,862,399	1,817,594	1,791,453	1,752,033	1,738,693	1,686,792	1,741,007	1,684,577	1,562,162	1,605,542	1,651,280	1,645,516	1,646,973	1,622,907	1,623,242	1,574,001	1,534,834	1,575,393	1,598,027	1,599,860	1,558,009	1,525,912	1,720,268	1,562,767	1,610,298	1,600,484	1,729,482	1,515,991	1,463,179	1,464,095	1,590,358	1,437,920	1,394,423	1,343,831	2,233,604	351,752	1,145,355	1,053,303	1,094,003	954,425	870,460	841,573	969,066	726,233	714,113	648,246	706,114	570,409	559,106	536,228	1,563,723	15,801	26,624	467,785	1,341,980	-3,310	13,735	404,806	1,308,346
gain on asset acquisitions, net of income tax
gain on sale of property and equipment	46,825			-330,424				-22,972			-50,332	-11,753
deferred income tax expense	-8,274,490	389,260	-3,368,451	4,164,091	-1,323,792			-1,482,294	6,062,812								-4,993,304	-560,139										-2,072,950				413,750	6,544,199																											1,526,577	-2,711,280
stock-based compensation (reversal) related to equity classified awards	4,753,965	5,425,762	6,056,068	3,106,707	-1,125,537	449,265	-17,948,851	-1,063,845	713,110
gain on company-owned life insurance
change in accounts:
other assets	-2,736,582	3,538,360	6,210,520	-1,497,187	-3,939,453	4,377,231	4,305,167	-3,675,104	-3,996,420	1,910,668	1,188,706	2,114,620	-885,384	-684,125	1,854,397	-9,432,040	864,799	-3,170,536	4,111,427	-9,999,219	-3,232,747	-3,288,951	-852,839	2,545,580	-4,789,259	-7,517,854	335,425	3,369,042	-1,560,360	3,860,158	-8,546,242	739,376	714,355	-1,748,425	-2,403,938	2,579,191	-1,053,283	-992,716	1,183,027	1,355,205	-432,809	-269,806	2,773,135	-147,324	-743,679	925,195	-748,512	-493,041	332,332	-945,567	-484,239	737,003	-1,522,870	277,956	-570,722	-386,561	-1,266,589	-642,773	1,805,218	5,460,428	-2,555,761	-1,237,019	-650,449	-1,228,297	-115,653	-818,760	-213,213	2,449,809	-2,882,633	-479,487	550,816	-1,766,536	690,239	527,474	-585,933	1,234,769	669,390	-1,609,139	-157,470	-1,162,121	181,442	-1,035,687	1,273,342	-1,406,651	-780,485	1,099,638	-1,157,664	1,220,005	-892,616	-355,009	509,613	-22,285
income taxes payable and receivable
deferred revenue
accounts payable and accrued expenses	-1,219,838	2,126,107	-11,409,724	4,968,214	783,555	-2,598,821	-6,146,758	-4,133,254	8,629,707	-4,804,239	3,958,091	-4,670,611	1,758,796	-5,709,978	1,585,388	-5,116,425	6,975,167	-1,605,554	4,445,206	7,187,031	711,033	1,418,090	-15,121,113	-5,266,403	15,895,453	1,013,989	8,335,752	-5,327,765	4,777,087	4,400,608	-266,648	-3,033,131	5,154,410	1,272,352	3,420,033	-1,272,161	1,616,970	1,290,840	2,184,619	-5,996,755	3,610,340	1,936,352	-2,184,782	-2,850,047	1,090,776	-1,492,593	2,653,876	-1,210,718	-994,687	3,523,478	-312,667	-3,183,373	4,443,778	-296,374	-2,688,640	2,576,481	2,331,036	1,026,401	-3,494,524	-6,229,428	5,533,970	886,186	-1,321,166	605,873	1,406,814	3,216,829	-320,117	-1,165,162	4,831,762	364,552	-2,074,232	73,466	4,016,595	-712,995	-2,681,661	917,074	775,100	1,992,495	-3,796,166	3,223,973	1,254,154	412,943	-9,095,522	16,035,194	-12,758,316	7,322,095	-2,301,707	1,774,274	3,424,966	-1,787,875	-1,134,624	-1,027,454
net cash from operating activities	94,604,791	57,971,410	48,629,641	58,153,047	90,957,261	61,100,146	53,695,268	48,410,927	83,813,421	58,883,997	63,359,749	59,726,199	85,680,258	69,215,865	78,480,168	58,177,495	110,426,509	60,461,738	61,063,092	49,527,222	68,592,498	51,052,509	28,075,016	51,839,284	86,841,629	52,390,851	60,012,052	58,164,704	80,510,000	68,890,926	39,809,581	55,453,764	72,452,958	51,598,759	43,885,814	50,088,937	63,372,875	53,256,295	47,012,009	55,721,568	65,627,608	56,152,122	40,620,052	43,670,577	68,805,675	55,904,306	50,428,441	66,790,859	70,963,857	68,989,868	50,554,510	55,455,349	61,776,772	46,161,189	48,033,568	69,103,139	52,394,574	47,188,688	50,714,901	61,500,259	59,798,495	36,241,842	42,295,274	58,300,135	50,366,367	37,954,501	36,984,998	55,493,992	44,511,030	25,353,870	28,555,197	52,388,282	39,253,283	23,870,222	20,510,823	43,015,608	27,286,830	22,846,025	16,939,730	34,103,691	27,749,793	21,463,465	14,685,359	76,209,842	-12,426,217	7,711,667	16,566,085	53,907,185	2,786,271	-1,050,656	14,733,543	38,999,463
capital expenditures	-1,117,543	-807,936	-917,976	-1,038,887	-869,347	-685,628	-1,045,168	-1,083,641	-1,513,303	-1,220,538	-1,540,708	-1,658,199	-1,309,964	-1,385,776	-1,778,898	-1,353,135	-1,589,508	-1,098,425	-2,466,899	-915,582	-2,698,268	-4,225,580	-2,383,138	-2,376,871	-3,240,591	-2,904,202	-3,048,270	-2,084,717	-2,831,133	-2,364,024	-2,342,496	-2,267,431	-2,362,173	-2,837,058	-1,956,337	-2,015,900	-1,935,943	-1,699,552	-1,787,375	-1,390,712	-3,766,848	-1,720,324	-1,545,549	-1,622,083	-2,027,093	-2,243,399	-1,959,189	-2,399,788	-1,951,397	-2,008,426	-1,922,474	-1,501,762	-1,415,788	-1,908,559	-2,031,308	-2,103,428	-1,277,354	-1,615,743	-1,859,163	-1,586,976	-1,413,266	-1,772,426	-1,621,619	-1,469,804	-1,145,951	-1,262,814	-1,366,054	-2,428,293	-955,890	-4,007,839	-2,470,838	0	0	0	-1,984,927	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
free cash flows	93,487,248	57,163,474	47,711,665	57,114,160	90,087,914	60,414,518	52,650,100	47,327,286	82,300,118	57,663,459	61,819,041	58,068,000	84,370,294	67,830,089	76,701,270	56,824,360	108,837,001	59,363,313	58,596,193	48,611,640	65,894,230	46,826,929	25,691,878	49,462,413	83,601,038	49,486,649	56,963,782	56,079,987	77,678,867	66,526,902	37,467,085	53,186,333	70,090,785	48,761,701	41,929,477	48,073,037	61,436,932	51,556,743	45,224,634	54,330,856	61,860,760	54,431,798	39,074,503	42,048,494	66,778,582	53,660,907	48,469,252	64,391,071	69,012,460	66,981,442	48,632,036	53,953,587	60,360,984	44,252,630	46,002,260	66,999,711	51,117,220	45,572,945	48,855,738	59,913,283	58,385,229	34,469,416	40,673,655	56,830,331	49,220,416	36,691,687	35,618,944	53,065,699	43,555,140	21,346,031	26,084,359	52,388,282	39,253,283	23,870,222	18,525,896	43,015,608	27,286,830	22,846,025	16,939,730	34,103,691	27,749,793	21,463,465	14,685,359	76,209,842	-12,426,217	7,711,667	16,566,085	53,907,185	2,786,271	-1,050,656	14,733,543	38,999,463
cash flows from investing activities:
originations of loans receivable	-395,356,675	-376,002,627
repayments of loans receivable	417,722,109	271,945,267
cash paid for acquisitions, primarily loans					0	-18,891,000							-816,856	0	-2,614,058	-19,700,844
purchases of property and equipment	-1,117,543	-807,936	-917,976	-1,038,887	-869,347	-685,628	-1,045,168	-1,083,641	-1,513,303	-1,220,538	-1,540,708	-1,658,199	-1,309,964	-1,385,776	-1,778,898	-1,353,135	-1,589,508	-1,098,425	-2,466,899	-915,582	-2,698,268	-4,225,580	-2,383,138	-2,376,871	-3,240,591	-2,904,202	-3,048,270	-2,084,717	-2,831,133	-2,364,024	-2,342,496	-2,267,431	-2,362,173	-2,837,058	-1,956,337	-2,015,900	-1,935,943	-1,699,552	-1,787,375	-1,390,712	-3,766,848	-1,720,324	-1,545,549	-1,622,083	-2,027,093	-2,243,399	-1,959,189	-2,399,788	-1,951,397	-2,008,426	-1,922,474	-1,501,762	-1,415,788	-1,908,559	-2,031,308	-2,103,428	-1,277,354	-1,615,743	-1,859,163	-1,586,976	-1,413,266	-1,772,426	-1,621,619	-1,469,804	-1,145,951	-1,262,814	-1,366,054	-2,428,293	-955,890	-4,007,839	-2,470,838				-1,984,927
proceeds from sale of property and equipment													179,989	65,865	0	283,927	59,790	33,045	94,000	59,100	124,218	-2,724,500	2,928,710	18,515	131,428	397	71,449	81,595	209,066	98,709	65,331	93,700	117,007	83,693	39,090	70,752	79,891	140,825	409,054	172,027	78,578	125,671	616,588	69,109
net cash from investing activities	21,320,611	-104,795,612	-81,139,547	-68,268,213	48,060,648	-106,775,306	-58,167,089	-35,868,956	22,171,777	-70,033,758	-35,995,000	-51,280,837	35,411,108	-41,394,747	-40,252,550	-134,347,611	-22,001,091	-186,768,969	-152,140,773	-100,012,328	76,054,570	-142,247,725	-54,177,486	65,173,099	52,735,801	-112,182,982	-84,761,499	-111,822,470	41,416,726	-137,095,774	-45,059,096	-66,227,695	49,652,023	-101,636,703	-61,268,543	-56,555,425	38,698,806	-86,267,313	-40,658,716	-43,386,279	63,026,606	-70,148,476	-45,351,652	-49,419,257	92,537,486	-87,628,234	-49,947,250	-63,212,838	70,959,462	-110,201,156	-58,713,635	-67,634,579	-102,353,909	-68,051,629	-60,897,822	40,239,980	-103,322,017	-52,443,850	-62,806,973	39,090,740	-98,249,727	-54,980,203	-57,254,977	23,252,834	-85,687,679	-45,681,755	-53,869,487	19,270,870	-77,445,251	-49,190,839	-41,914,942	25,993,159	-86,198,739	-37,528,315	-41,040,966		-83,456,443	-30,968,397	-31,329,516		-65,237,636				-12,817,199				-34,429,750
cash flow from financing activities:
borrowings from revolving credit facility	170,680,478	172,550,000
payments on revolving credit facility	-302,429,949	-181,451,207
payments for extinguished senior unsecured notes payable	0	0	-172,771,705	-15,519,066	-39,842,604	-15,640,750	-11,545,000	-20,962,500	-7,064,442	-4,149,342	-1,294,375	-1,535,000
borrowing on warehouse facility	97,800,000
payments on warehouse facility	-56,054,954
payments for debt extinguishment costs	0	0	0	-26,450	0	0	0	-12,500	-7,500	-11,875	-3,750	-5,000
debt issuance costs associated with revolving credit facility	-129,950	-2,001
debt issuance costs associated with warehouse facility	-36,315	-21,055
proceeds from exercise of stock options	49,028	146,837	975,717	1,566,318	477,111	424,420	770,634	686,382	849,562	948,442	360,676	709,294	168,548	82,825	0	403,547	1,089,926	3,033,142	6,873,724	1,808,854	10,012,730	1,248,999			22,952	935,877	977,524	2,676,573	3,182,349	1,000,193	386,468	1,428,938	16,587,191	1,971,294	1,430,160	5,334,886	49,711	765,661	178,276	166,857	477,002	432,369	1	2,339,313	4,000,766	2,292,981	169,726	77,374	4,088,761	5,254,450	425,007	1,026,671	3,764,476	1,510,852	1,844,843	1,127,351	6,390,049	597,395	1,473,365	6,452,729	3,964,219	1,007,338	458,346	4,345,355	1,267,337	89,703	50,594	279,816	47,110	179,503	1,147,932	361,687	701,978	173,421	377,254	382,990	694,089	322,535	2,086,543	180,114	613,438	683,658	363,029	2,913,028	-391,505	2,130,025	58,509	5,851,605	-68,401	663,950	1,552,699	1,744,296
payments for taxes related to net share settlement of equity awards	-813,216	-3,623,346	0	-4,627,907	0	-2,544,811	0	-131,242	0				0				0	-4,922,017	-12,724	-137,489	0	-2,889,656	-164,214	-119,865	0	-4,229,509	-8,482	-238,168	-45,883				-559,658
repurchase of common stock	-37,830,747	-14,990,658	-66,629,191	-12,971,034	-32,000,874	-1,046,036	-9,999,972	-11,148,682	-18,912,534				-1	0	0	-14,314,088	-60,679,131	-19,347,607	-10,029,661	-21,082,862	-13,604,006	-26,161,371	-43,235,638	-19,451,287	-7,389,052	0	-168,195,335	-21,815,577	-70,759,554				0	0	0	-4,614,331	0								-51,917,700	0	-13,504,026	-49,902,371	-68,541,124	-56,936,967	-27,323,823	-37,734,861	-65,879,715	-13,409,391	-61,731,794	-65,816,092	-921,328	-26,226,744	-46,835,817	-17,401,375	-1,940,063	-2,451,878	-31,549,200													-4,514,640	-47,658,507	0	-1,922,816				-6,885,384				-7,310,479
net cash from financing activities	-128,765,625	74,156,879	39,265,690	8,511,162	-144,870,166	51,511,950	3,098,446	-13,262,293	-106,921,262	5,139,315	-24,567,577	-8,965,499	-125,544,256	-27,553,813	-30,835,688	70,236,384	-87,856,735	128,088,655	99,576,576	43,125,972	-138,591,276	86,897,972	30,130,223	-118,671,152	-139,997,500	61,606,368	25,215,107	54,081,428	-123,723,088	73,740,932	-9,263,532	-3,871,062	-115,922,467	57,113,595	21,630,160	5,714,355	-102,801,176	33,011,270	-31,348	-14,329,212	-136,782,582	22,634,176	635,001	-15,124,528	-138,329,033	34,699,535	-1,678,348	-7,173,128	-141,478,951	46,148,284	11,332,855	12,169,547	45,148,299	21,546,197	15,117,541	-113,196,597	52,235,633	8,987,000	13,834,173	-105,500,672	42,463,868	21,213,635	15,850,814	-89,113,793	40,908,303	7,917,613	17,670,053	-75,323,206	32,002,803	23,808,527	13,868,695	-78,519,956	48,810,067	12,134,289	22,138,394	-69,565,323	56,689,928	9,826,359	15,253,013	-58,511,562	38,413,438	8,927,568	9,827,645	-39,519,491	22,590,495	-6,691,496	8,448,030	-28,848,395	32,431,599	-4,836,050	1,752,699	-15,655,697
net change in cash and restricted cash	-12,840,223
cash and restricted cash at beginning of year
cash and restricted cash at end of year
amortization of deferred loan cost		3,877,619	3,425,287	3,707,858		3,602,690	3,507,644	3,351,475		3,672,525	3,415,116	3,198,092		4,179,658
income taxes receivable		-4,795,446				-2,419,536	-817,911	-859,377
proceeds from the sale of property and equipment		69,684	170,300	479,907		116,442	161,029	161,582		47,026	95,695	165,453
cash and restricted cash at beginning of period
cash and restricted cash at end of period
loss on sale of property and equipment									38,521				-9,424	51,223	99,514	-129,476	51,386	31,408	47,927	289,254			0	34,058	445,962	-4,929	-32,405	-69,369	43,060	-73,713	34,179	89,673	-13,647	49,730	112,395	61,639	104,300	-248,410	74,642	39,885	37,140	-3,143
net change in cash and cash equivalents			6,755,784	-1,604,004	-5,852,257	5,836,790	-1,373,375	-720,322	-936,064	-6,010,446	2,797,172	-520,137	-4,452,890	267,305	7,391,930	-5,933,732	568,683	1,781,424	8,498,895	-7,359,134	6,055,792	-4,297,244	4,027,753	-1,658,769	-420,070	1,814,237	465,660	423,662	-1,796,362	5,536,084	-11,080,196	-15,410,397	7,114,940	6,191,087	4,237,766	-657,899	-785,249	-269,629	6,131,513	-2,253,249	-8,565,376	8,384,450	-4,652,820	-21,128,165	21,561,399	2,145,920
cash and cash equivalents at beginning of period			0	9,730,296		0	0	11,839,460		0	0	16,508,935		0	0	19,236,322		0	0	15,746,454		0	0	11,618,922										0	0	15,200,410		0	0	12,377,024		0	0	38,338,935		0	0	19,569,683		0	0	11,625,365	0	0	10,768,176	0	0	0	8,030,580	0	0	0	5,445,168		0	0	6,260,410		0	0	7,589,575				5,779,032
cash and cash equivalents at end of period			6,755,784	8,126,292		5,836,790	-1,373,375	11,119,138		-6,010,446	2,797,172	15,988,798		267,305	7,391,930	13,302,590		1,781,424	8,498,895	8,387,320		-4,297,244	4,027,753	9,960,153		1,814,237	465,660	9,759,095		5,536,084	-11,080,196	16,675,907		6,191,087	4,237,766	14,542,511		-269,629	6,131,513	10,123,775		8,384,450	-4,652,820	17,210,770		2,145,920	-1,413,135	16,044,751		4,898,521	3,089,823	11,399,410	4,469,988	-170,921	12,875,286	-3,497,347	1,204,620	3,259,079	9,801,824	-4,832,938	4,038,236	2,541,726	6,283,556		5,658,231	147,554	7,139,948		-931,418	-28,442	8,098,525				7,387,283
supplemental disclosures:
interest paid during the period			10,754,422	12,458,528		15,008,302	6,212,634	15,255,371		16,707,523	7,225,095	17,301,329				17,698,537		4,768,287	5,956,165	5,295,753		6,440,421	5,237,260	6,046,067		6,788,427	5,349,257	3,953,803		3,987,139	3,982,146	3,896,463		4,470,035	4,255,128	3,883,860		4,628,660	4,800,324	4,944,649		6,242,201	6,127,265	5,164,502	5,735,810
income taxes paid during the period			4,329,545	1,025,938		625,000	1,625,000	954,509		555,000	4,705,000	2,466,889				4,007,869		7,680,000	11,475,000	7,729,025		3,370,000	8,065,355	666,505		4,451,862	11,466,686	6,216,505		4,715,000	10,970,093	1,291,884		12,682,393	16,123,444	6,375,281		5,925,844	20,246,002	1,501,419		10,462,077	27,699,794	13,803,056	11,904,284
excise tax on stock repurchases not paid during the period			661,594	47,277
income taxes receivable and payable				-7,852,202
increase in loans receivable				-67,709,233	48,818,804	-87,315,120	-57,226,656	-34,946,897	25,621,895	-68,860,246	-34,549,987	-49,788,091	37,357,939	-40,074,836	-35,859,594	-113,577,559	-20,468,456	-185,706,506	-140,172,424	-98,996,207	77,558,371				61,000,879	-114,449,762	-60,477,911	-69,555,473	49,000,070	-107,661,821	-68,260,564	-64,053,964	58,764,468	-98,538,899	-51,819,428	-51,779,690	61,391,556	-84,708,586	-39,280,395	-42,167,594	66,457,347	-69,284,186	-41,335,264	-49,818,408	75,539,369	-84,660,808	-47,387,481	-60,412,755	72,910,858	-108,130,244	-56,688,988	-65,241,490	-100,656,456	-64,997,040	-58,606,219	43,535,661	-101,165,415	-50,396,038	-59,198,770	40,773,150	-95,877,032	-51,376,982	-54,794,621	27,450,001	-84,345,792	-44,111,696	-51,991,756	22,332,669	-75,363,945	-43,400,151	-32,158,828				-35,886,826
borrowings from senior notes payable				92,048,258	119,212,534	123,484,586	79,762,495	94,138,260	90,634,342	91,339,659	58,197,739	65,529,224	62,431,247	69,005,605	54,505,392	127,920,704	108,098,706	167,968,287	130,456,165	108,792,088	27,407,500	138,900,000	111,971,250	32,705,500	67,400,000	115,100,000	225,550,000	132,641,400	117,650,000	116,450,000	74,800,000	55,390,000	58,200,000	103,100,000	72,320,000	61,343,800	70,850,000	79,750,000	68,426,200	55,875,000	57,600,000	81,450,000
payments on senior notes payable				-51,826,031	-192,710,079	-53,165,459	-55,860,347	-75,829,647	-172,304,690	-62,806,082	-81,417,867	-73,664,017	-181,010,628	-93,414,242	-85,000,000	-43,500,000	-136,300,000	-18,500,000	-322,450,000	-46,100,000	-162,000,000	-24,200,000	-39,276,750	-131,600,000	-200,031,400	-50,200,000	-33,108,600	-58,191,400	-173,750,000	-38,600,000	-84,450,000	-60,450,000	-190,150,000	-47,000,000	-52,120,000	-55,930,000	-173,650,000	-42,400,000	-68,200,000	-70,200,000	-194,850,000	-59,100,000
debt issuance costs associated with senior notes payable				-132,926	-6,254	0	-29,364	-2,364	-116,000	-65,716			-23,872	-685,000	-190,500	-239,636					-407,500	0	-171,250	-205,500	0	0	0	-991,400	0	0	0	-240,000	0	0	0	-420,000	0	0			0
gain on extinguishment of senior unsecured notes payable					177,276	47,108	-365,273	-841,902	-469,383	-540,805	-185,891	-435,885
amortization of finance leases													0	0	102,274	102,278
debt issuance costs associated with senior unsecured notes payable													85,000	0				-5,823
repayment of finance lease													0	0	-45,924	-34,143	-66,238	-137,327	-147,102	-154,619
cash and cash equivalents at beginning of year
cash and cash equivalents at end of year
interest paid during the year
deferred income tax benefit											1,414,192	-1,549,589		4,913,771	-1,883,873	-6,695,391				-3,789,722		2,918,095	-1,293,376	2,512,174		1,353,998				-889,350					-6,689,546	-985,424	5,631,399	-2,067,975	-2,850,114	-1,607,396	3,625,687	-2,593,832	-1,522,683	-294,549	4,842,993	-5,063,892	-2,678,819	-931,699	5,939,155	-2,832,686	-5,990,872	-1,213,790	-2,643,219	-6,752,714	-377,856				-232,155						-51,941
non-cash excise tax on stock repurchases							97,383	106,088
loss on assets held for sale																	0	0
amortization of historic tax credits														1,523,533
proceeds from the sale of assets held for sale
issuance of senior unsecured notes payable																	0	0
income taxes payable										-3,663,640					-5,127,388	-752,189		-6,666,794	-4,148,858	831,167		-3,870,097	-2,825,244	2,582,959		-1,469,002	-11,195,934	1,167,013	750,091	-2,765,077	-4,092,705	3,560,469	9,180,641	-6,704,044	-2,910,677	2,449,633	1,384,625	931,047	-8,228,486	10,190,089	3,629,996	3,051,493	-17,209,796	582,763	11,964,278	-1,669,506	-12,289,527	10,489,634	2,937,649	505,241	-8,917,968	1,054,731	-1,398,974	-6,227,333	1,264,141	6,008,076	-5,190,810	-7,127,765	4,735,233	4,984,934	5,145,046	-13,144,165	2,067,111	8,420,128	871,369	-7,834,519	1,218,478	11,148,081	-223,825	-11,422,734	-6,377,521	14,535,715	1,898,453	-7,477,855	-3,982,585	8,015,514	-1,054,978	-3,321,055	-2,402,243			236,899	4,407,754				3,002,220				813,456
finance lease right-of-use assets, net transferred to property and equipment
stock-based compensation (reversal) related to stock option and restricted stock plans, net of cancellations
compensation related to stock option and restricted stock plans, net of taxes and adjustments												1,412,698	1,670,522	-254,323	3,820,578	3,816,058	4,825,184	4,308,673	4,265,048	4,184,090	4,772,575	4,898,460	5,026,643	4,583,600	6,018,874	6,330,810	8,290,268	8,312,209	7,730,206	6,927,117	1,502,969	1,475,017	1,986,787	1,035,487	1,280,268	1,132,077	904,721	2,499,689	852,762	553,526	-1,691,065	2,071,010
income taxes payable/ receivable												1,279,411
gain on asset acquisition, net of income tax													-284,824	0
gain on sale of loans receivable
proceeds from the sale of loans receivable
proceeds from company-owned life insurance
income taxes paid during the year
proceeds from sale of assets held for sale																		0
provision for loan losses																									32,251,605	55,219,470	52,968,036	41,291,071	28,533,377	48,943,886	38,549,637	32,399,678	17,408,194	43,754,905	38,975,972	30,840,058	20,702,303	39,984,838	35,870,744	32,014,277	24,372,771	35,440,402	37,557,136	26,228,009	13,483,119	38,292,746	36,160,732	30,893,266	18,568,618	41,115,932	38,187,649	28,703,193	37,394,633	32,401,664	23,614,890	16,700,025	36,109,128	30,057,269	22,839,114	16,973,099	31,961,952	27,275,104	19,698,208	15,081,855	29,632,781	25,156,035	20,428,263	14,821,714	29,490,333	23,307,132	17,856,913	11,685,635	23,223,929	18,415,731	14,216,510	8,579,793	18,365,040	13,812,779	11,167,468	6,628,571	16,726,019	13,131,219	9,540,103	26,305,753	2,448,915	2,654,521	8,627,408	22,404,667	1,748,693	1,398,730	7,929,357	19,361,060
amortization of investment in historic tax credits																1,523,533		995,278	977,846	977,846		434,096
gain on acquisition, net of income tax																-3,144,722
net assets acquired from business combinations and asset acquisitions, primarily loans
increase in intangible assets from acquisitions																	-2,917	2,917	-1,212,103	-16,769	-80,100	-3,333,089	-164,737	-985,354	-1,160,517	1,254,033	-5,080,111	-9,468,683	-1,271,916	-6,200,247			-110,433	-81,748	-1,274,239	-521,342					0	0			-90,480	-216,732	-93,265	-62,868	1	-5,000	-23,237	-253,200	-63,131	-339,105	-21,956	-228,619	-253,579	-62,064	-324,927	-37,393	-195,077	-366,279	-147,917	-654,610	-58,749	-99,429	-91,130	-81,432	-407,203	-280,178	-904,554				-1,340,306
loan costs associated with senior unsecured notes payable
net assets acquired from acquisitions, primarily loans																		0	-9,488,242	-142,870
loss on sale of discontinued operations																													0	0
gain on sale of finance receivables																					-39
proceeds from the sale of finance receivables
proceeds from sale of discontinued operations
excess tax expense from exercise of stock options
effects of foreign currency fluctuations on cash and cash equivalents																													0	0	3,432,851	-765,404
cash and cash equivalents at beginning of year from continuing operations
cash and cash equivalents at beginning of year from discontinued operations
loss on sale of assets held for sale
proceeds from sale of finance receivables
decrease in loans receivable																							-53,548,032	73,293,367
net assets acquired from branch acquisitions, primarily loans																							-1,010,289	-4,776,558		3,916,552	-16,226,656	-30,795,192	-3,689,361	-20,968,391			-6,756,846	-262,691	-6,257,629	-2,309,245					0	0
amortization of historical tax credits																								434,096
cash and cash equivalents at end of year from continuing operations
cash and cash equivalents at end of year from discontinued operations
proceeds from sale of mexico business																														0
cash and cash equivalents at beginning of period from continuing operations																										0	0	9,335,433		0
cash and cash equivalents at beginning of period from discontinued operations																														0
cash and cash equivalents at end of period from continuing operations																										1,814,237	465,660	9,759,095		5,536,084
cash and cash equivalents at end of period from discontinued operations
adjustments to reconcile net income to net cash provided by operating activities:
impairment of assets held for sale																																39,006,544
cash and cash equivalents at beginning of period, excluding held for sale																																12,473,833
cash and cash equivalents held for sale at beginning of period																																19,612,471
cash and cash equivalents held for sale at end of period																																6,413,006
cash and cash equivalents at end of period, excluding held for sale																																10,262,901
gain on sale of finance receivables, net of buybacks																																									-216,755	-669,859
proceeds from sale of loan receivable, net of buybacks
excess tax benefit from exercise of stock options																																					-50,887	-108,582	-234,624	-171,069																1,157,144	451,912			846,573	689,712	345,675	41,668		388,466	87,910	19,459		-4,746	188,227	520,763		226,065	206,497	137,051
effects of exchange-rate changes on cash and cash equivalents																																		-884,564	-9,665	94,234		-269,881	-190,432	-259,326		-253,372	-556,221	-254,957		-829,687
gain on sale of loans receivable, net of buybacks
proceeds from sale of loans receivable, net of buybacks
proceeds from sales of loans receivable, net of buybacks
excess tax benefits from exercise of stock options																																										-148,193	0	236,159		494,054	55,952	51,869		1,430,801	331,671	177,737	1,163,538	444,736	654,492				296,625
amortization of loan costs and discounts																																											744,772	219,582	114,544	108,926	97,688	97,689	77,786	67,835	104,695	123,125	-24,625	0	431,437	31,581	31,581	124,229	124,233	124,233	124,233	100,777	92,652	93,595	102,069	102,069	113,889	175,529	187,871	190,815	190,816	190,816	190,815	190,815	190,816	190,565				0	0	0	25,000	20,442			31,079	118,666	1,502	-7,384	44,102	87,021
proceeds from sales of loan receivable, net of buybacks
loan cost associated with senior notes payable
compensation related to stock option and restricted stock plans, net of taxes																																												-3,696,045				3,565,393		2,821,956	4,561,585	4,213,230
net gain on sale of loans receivable																																												-1,795,432
proceeds from sales of loan receivable																																												1,952,125
borrowings from senior note payable																																												72,200,000		86,187,500	80,034,100	92,300,000		150,200,000	91,590,000	104,350,000
payments on senior note payable																																												-84,400,000		-53,937,500	-68,434,100	-49,700,000		-53,800,000	-53,690,000	-55,650,000
loan cost associated with revolving line of credit																																												-5,500,000
compensation related to stock option and restricted stock plans																																																						1,959,492	1,850,728	1,720,597	1,826,790	1,162,162	1,908,278	1,398,913	1,520,853	1,034,647	1,386,294	1,171,935	1,235,453	965,552	1,477,216	931,328	1,050,890	1,220,722	1,447,320	1,099,993	1,546,525
change in operating assets and liabilities:
proceeds from sale of loan receivable
payments on junior subordinated note payable
effects of foreign currency fluctuations on cash																																																70,175	-262,439	-38,475	-83,907	-216,272	-101,174	173,322	-146,177	356,131	-103,570	-472,759	29,143	76,735	25,600
net assets acquired from office acquisitions, primarily loans																																														-507,295	-507,315	-337,427	0	-57,486	-78,936	-638,127	-218,534	-806,925	-238,339	-963,634	-625,669	-370,005	-1,424,113	-58,041	-764,352																			-559,789	-3,914,465	-1,555,471	-770,307	-21,303,850	7,828,964	-1,051,031	-7,152,538	-13,588,208	-4,400,131	1,582,035	-2,255,438
increase in cash and cash equivalents																																																-3,595,107	444,368	4,936,996	3,173,730	-9,683	4,571,162	-344,243	2,253,287	-3,853,478	1,308,190	3,731,838	1,742,101	-4,909,673	4,012,636	2,475,274	891,111			190,359	785,564			-28,442	508,950	-138,515	1,864,611	-1,523,804	1,608,251			1,703,987	863,227
amortization of convertible note discount																																																								0	0	906,154	913,446	939,556	927,815	916,219	904,769	946,802	972,765	962,313	1,022,119
unrealized gains on interest rate swap																																																								0	-108,975	-110,947	-99,313		-208,224	-346,823	-365,490			-93,625	-474,963				-830,884
borrowings from lines of credit
payments on lines of credit
repayment of convertible senior subordinated notes
(payments on)/proceeds from junior subordinated note payable																																																					0
repayment of the convertible senior subordinated notes payable
proceeds from senior revolving notes payable																																																						33,000,000	124,350,000		46,315,000	91,450,000	58,900,000		39,750,000
increase in restricted cash
repayment of junior subordinated note payable																																																							-50,000,000
gain on the extinguishment of debt																																																																239,485	-117,151			-3,436,248
(payments on)/proceeds from senior revolving notes payable
proceeds from junior subordinated note payable																																																								0	0			0	0
loan cost associated with junior subordinated note payable																																																												-141,548	0
proceeds from sale of the call option and warrants associated with the convertible notes
deferred income tax benefits																																																									-2,897,102
unrealized losses on interest rate swap																																																																					1,619,048
repayment of other notes payable																																																																				0	0	-200,000	-200,000				-200,000	0	0	0	-200,000			0	-200,000
cash flows from operating activities:
deferred tax benefit																																																															-202,098												-303,627
gain on extinguishment of debt																																																																			-2,361,181
assets acquired from office acquisitions, primarily loans																																																															-690,820		-137,187	-207,816	-420,547		-718,213	-1,502,671	-6,380,722				-1,828,907
cash flows from financing activities:
proceeds of senior revolving notes payable																																																															46,900,000		40,160,000	7,740,000	24,350,000		38,650,000	29,800,000	12,400,000				21,950,000
repayment of subordinated convertible notes																																																																			-6,750,000
effect of foreign currency fluctuations on cash																																																															-52,723				93,974
deferred tax expense																																																																			-449,166				4,086,579
unrealized loss on interest rate swap
proceeds (repayment) of senior notes payable
tax benefit from exercise of stock options																																																																												444,462	617,904	234,815	1,639,941
(decrease) increase in cash and cash equivalents
repayment of convertible senior subordinated notes payable																																																																	-907,500
repurchases of common stock																																																																					-1,689,561				0
increase (decrease) in cash and cash equivalents
effect of foreign currency fluctuation on cash																																																																	71,240
loss on interest rate swap
net change in bank overdraft																																																																									40,507	583,248	-125,911	22,170	1,403,707	-730,991	849,345
proceeds (repayment) of senior revolving notes payable
proceeds from convertible senior subordinated notes
proceeds from sale of warrants associated with convertible notes
loan cost associated with convertible notes
purchase of call options associated with convertible notes
deferred income taxes																																																																					-539,825
other
gain/loss on interest rate swap
loan cost associated with note convertible
deferred tax assets																																																																									-1,177,616				-1,176,474
increase in loans																																																																									-83,244,166				-66,825,979	-26,849,110	-29,183,574		-59,642,652	-26,843,689	-21,376,721		-22,406,822	5,174,789	-17,739,006		-29,608,199	2,597,877	-13,046,568
tangible assets acquired from office acquisitions,
primarily loans																																																																															-863,913
purchases of premises and equipment																																																																									-1,846,829				-1,408,592	-2,259,714	-1,122,375				-935,673				-507,915				-445,583
purchases of intangible assets in office acquisitions																																																																									-244,049
proceeds from senior notes payable																																																																									48,050,000				3,700,000	10,000,000	12,800,000				16,550,000				17,900,000				1,000,000
repayments of other notes payable																																																																									0
purchase of call option associated with convertible notes
cash and cash equivalents beginning of period																																																																									0					0	4,033,888
cash and cash equivalents end of period																																																																									1,864,611					1,703,987	4,897,115
supplemental disclosure of cash flow information:
cash paid for interest																																																																									2,107,612				2,822,981	2,374,657	1,799,698				1,303,644				920,476
cash paid for income taxes																																																																									6,002,197				7,327,135	9,128,371	6,697,748		1,256,498	4,115,593	39,754		-4,040,272	3,840,478	3,196,850		-4,262,093	4,908,384	2,275,544
tangible assets acquired from office acquisitions, primarily loans
adjustments to reconcile net income to net cash provided
by operating activities:
compensation related to stock option and restricted stock
option plans																																																																											1,350,035
net cash used by investing activities																																																																																			-23,506,917				-26,536,315				-16,146,195	-22,092,046
repayment of subordinated notes payable
adjustments to reconcile net income
to net cash from operating activities:
compensation related to stock option and
restricted stock plans																																																																															699,346
net assets acquired from office acquisitions,
purchases of intangible assets																																																																													-1,464,641	-379,383	-159,654		-975,025	-750,000	-424,216		1,911,053	-961,070	-1,136,856		255,909	-29,916	-398,606
proceeds from senior subordinated notes
proceeds from sale of warrants associated with
convertible notes
increase in cash																																																																																	925,595	189,960	1,006,087	-1,141,007	-2,652,921	4,048,698	-1,522,200	733,102	788,120	-1,569,848	340,047	1,251,720
cash, beginning of period																																																																																	0	0	3,046,677		2,526,498	-1,522,200	4,314,107		-1,229,801	340,047	4,022,686
cash, end of period																																																																																	925,595	189,960	4,052,764		-126,423	2,526,498	2,791,907		-441,681	-1,229,801	4,362,733
(repayment) proceeds of other notes payable
purchase of premises and equipment																																																																																	-705,494				-150,394				-677,329
proceeds of senior notes payable																																																																																	37,800,000
repayment of senior subordinated notes																																																																																							-2,000,000				-2,000,000
common stock repurchases																																																																																	0
cash paid for interest expense																																																																																	1,826,380				82,819				38,692	-63,013	952,501
supplemental schedule of noncash financing activities:
tax benefits from exercise of stock options																																																																																	297,878	423,979	365,503		1,260,088	1,341,425	31,634		133,562	441,720	455,394
deferred taxes
proceeds (repayment) of other notes payable																																																																																							-200,000
cash at beginning of year
cash at end of year
proceeds (repayment) from other notes payable
proceeds (repayment) from senior subordinated notes
proceeds from other notes payable
proceeds from other note payable
proceeds of other notes payable																																																																																											1,200,000
net assets acquired from office acquisition, primarily loans
repayment of term notes

World Acceptance Corporation(NASDAQ:WRLD)

World Acceptance Corporation
(NASDAQ:WRLD)