$OMCC

2022 Q1 Form 10-K Financial Statement

#000095017022012061 Filed on June 24, 2022

View on sec.gov

Income Statement

Concept 2022 Q1 2022 2021 Q4
Revenue $12.37M $49.78M $12.24M
YoY Change -6.87% -11.14% -15.43%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin $9.150M $13.95M $3.529M
YoY Change 2.91% 11.46% 18.86%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $125.0K $401.0K $104.0K
YoY Change 68.92% 64.34% 108.0%
% of Gross Profit
Operating Expenses $11.44M $13.95M $3.529M
YoY Change 24.17% 11.46% 18.86%
Operating Profit
YoY Change
Interest Expense $444.0K $5.366M $2.613M
YoY Change -66.36% -10.27% 81.21%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $490.0K $4.046M -$911.0K
YoY Change -82.2% -63.04% -118.31%
Income Tax $122.0K $1.048M -$209.0K
% Of Pretax Income 24.9% 25.9%
Net Earnings $368.0K $2.998M -$702.0K
YoY Change -80.31% -64.1% -118.55%
Net Earnings / Revenue 2.97% 6.02% -5.74%
Basic Earnings Per Share $0.05 $0.39 -$0.09
Diluted Earnings Per Share $0.05 $0.39 -$0.09
COMMON SHARES
Basic Shares Outstanding 12.70M 7.572M 7.621M
Diluted Shares Outstanding 7.572M 7.621M

Balance Sheet

Concept 2022 Q1 2022 2021 Q4
SHORT-TERM ASSETS
Cash & Short-Term Investments $4.775M $4.775M $6.530M
YoY Change -78.32% -78.32% -68.15%
Cash & Equivalents $4.775M $6.530M
Short-Term Investments
Other Short-Term Assets $1.103M $1.103M $923.0K
YoY Change -13.22% -13.22% 2.56%
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $6.867M $6.867M $8.272M
YoY Change -71.32% -71.32% -61.88%
LONG-TERM ASSETS
Property, Plant & Equipment $1.783M $6.060M $1.571M
YoY Change 107.57% 42.55% 130.69%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $2.043M $2.043M $2.489M
YoY Change -85.33% -85.33% -80.4%
Total Long-Term Assets $176.7M $176.7M $174.3M
YoY Change -6.25% -6.25% -9.68%
TOTAL ASSETS
Total Short-Term Assets $6.867M $6.867M $8.272M
Total Long-Term Assets $176.7M $176.7M $174.3M
Total Assets $183.6M $183.6M $182.6M
YoY Change -13.59% -13.59% -14.95%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $4.717M $4.717M $3.451M
YoY Change 5.98% 5.98% -1.4%
Accrued Expenses $4.410M $4.410M $4.681M
YoY Change 30.98% 30.98% 61.41%
Deferred Revenue
YoY Change
Short-Term Debt $3.244M $3.244M $3.244M
YoY Change 0.0% 0.0%
Long-Term Debt Due $3.244M $3.244M
YoY Change
Total Short-Term Liabilities $12.37M $12.37M $11.38M
YoY Change 11.83% 11.83% 77.75%
LONG-TERM LIABILITIES
Long-Term Debt $54.81M $54.81M $54.80M
YoY Change -36.38% -36.38% -42.2%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $54.81M $54.81M $54.80M
YoY Change -36.38% -36.38% -42.2%
TOTAL LIABILITIES
Total Short-Term Liabilities $12.37M $12.37M $11.38M
Total Long-Term Liabilities $54.81M $54.81M $54.80M
Total Liabilities $67.18M $67.18M $66.17M
YoY Change -30.89% -30.89% -34.63%
SHAREHOLDERS EQUITY
Retained Earnings $155.5M $155.1M
YoY Change 1.97% 2.99%
Common Stock
YoY Change
Preferred Stock
YoY Change
Treasury Stock (at cost) $74.41M $73.96M
YoY Change 2.85% 2.46%
Treasury Stock Shares $5.127M $5.088M
Shareholders Equity $116.4M $116.4M $116.4M
YoY Change
Total Liabilities & Shareholders Equity $183.6M $183.6M $182.6M
YoY Change -13.59% -13.59% -14.95%

Cashflow Statement

Concept 2022 Q1 2022 2021 Q4
OPERATING ACTIVITIES
Net Income $368.0K $2.998M -$702.0K
YoY Change -80.31% -64.1% -118.55%
Depreciation, Depletion And Amortization $125.0K $401.0K $104.0K
YoY Change 68.92% 64.34% 108.0%
Cash From Operating Activities $1.663M $3.487M $524.0K
YoY Change -72.88% -75.79% -16.83%
INVESTING ACTIVITIES
Capital Expenditures -$327.0K $1.312M -$432.0K
YoY Change 39.15% 113.33% 517.14%
Acquisitions
YoY Change
Other Investing Activities -$2.646M $5.174M $371.0K
YoY Change -176.34% -83.14% -96.71%
Cash From Investing Activities -$2.973M $3.862M -$61.00K
YoY Change -192.01% -87.16% -100.55%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net $2.062M
YoY Change 127.85%
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities -445.0K -35.55M -16.78M
YoY Change -92.14% -1.77% 6.84%
NET CHANGE
Cash From Operating Activities 1.663M 3.487M 524.0K
Cash From Investing Activities -2.973M 3.862M -61.00K
Cash From Financing Activities -445.0K -35.55M -16.78M
Net Change In Cash -1.755M -28.20M -16.32M
YoY Change -147.39% -440.07% 319.56%
FREE CASH FLOW
Cash From Operating Activities $1.663M $3.487M $524.0K
Capital Expenditures -$327.0K $1.312M -$432.0K
Free Cash Flow $1.990M $2.175M $956.0K
YoY Change -68.75% -84.23% 36.57%

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CY2021 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-36191000
CY2022 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
-28202000
CY2021 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
8293000
CY2021Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
32977000
CY2020Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
24684000
CY2022Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
4775000
CY2021Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
32977000
CY2022 nick Interest Paid Including Debt Origination Costs
InterestPaidIncludingDebtOriginationCosts
3415000
CY2021 nick Interest Paid Including Debt Origination Costs
InterestPaidIncludingDebtOriginationCosts
5714000
CY2022 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
541000
CY2021 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
1357000
CY2022 us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
2504000
CY2021 us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
2067000
CY2022Q1 us-gaap Cash
Cash
4775000
CY2021Q1 us-gaap Cash
Cash
22022000
CY2022Q1 us-gaap Restricted Cash
RestrictedCash
0
CY2021Q1 us-gaap Restricted Cash
RestrictedCash
10955000
CY2022Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
4775000
CY2021Q1 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
32977000
CY2021 nick Basic Weighted Average Number Of Shares Outstanding And Unvested Restricted Stock Units Expected To Vest
BasicWeightedAverageNumberOfSharesOutstandingAndUnvestedRestrictedStockUnitsExpectedToVest
7666000
CY2022 us-gaap Number Of Reportable Segments
NumberOfReportableSegments
1
CY2022 us-gaap Use Of Estimates
UseOfEstimates
<p style="text-indent:0.0%;font-size:10.0pt;margin-top:18.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:left;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);font-weight:bold;font-size:10.0pt;font-family:Times New Roman;min-width:fit-content;">Use of Estimates</span><span style="color:rgba(0,0,0,1);font-weight:bold;font-size:10.0pt;font-family:Times New Roman;min-width:fit-content;"> </span></p><p style="text-indent:0.0%;font-size:10.0pt;margin-top:6.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:left;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);font-weight:normal;font-size:10.0pt;font-family:Times New Roman;min-width:fit-content;">The preparation of consolidated financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for credit losses on finance receivables.</span><span style="color:rgba(0,0,0,1);font-weight:normal;font-size:10.0pt;font-family:Times New Roman;min-width:fit-content;"> </span></p>
CY2022 nick Net Income Loss Allocated To Stockholders Percentage
NetIncomeLossAllocatedToStockholdersPercentage
0.995
CY2022 us-gaap Financing Receivable Allowance For Credit Losses Policy For Uncollectible Amounts
FinancingReceivableAllowanceForCreditLossesPolicyForUncollectibleAmounts
<p style="text-indent:0.0%;font-size:10.0pt;margin-top:18.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:left;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);font-weight:bold;font-size:10.0pt;font-family:Times New Roman;min-width:fit-content;">Allowance for Credit Losses</span><span style="color:rgba(0,0,0,1);font-weight:bold;font-size:10.0pt;font-family:Times New Roman;min-width:fit-content;"> </span></p><p style="text-indent:0.0%;font-size:10.0pt;margin-top:18.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:left;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);font-weight:normal;font-size:10.0pt;font-family:Times New Roman;min-width:fit-content;">The Company takes into consideration the composition of the portfolio, current economic conditions, the estimated net realizable value of the underlying collateral, historical loan loss experience, delinquency, non-performing assets, and bankrupt accounts when determining management’s estimate of probable credit losses and the adequacy of the allowance for credit losses. Management utilizes significant judgment in determining probable incurred losses and in identifying and evaluating qualitative factors. This approach aligns with the Company’s lending policies and underwriting standards. If the allowance for credit losses is determined to be inadequate, then an additional charge to the provision is recorded to maintain adequate reserves based on management’s evaluation of the risk inherent in the loan portfolio.</span><span style="color:rgba(0,0,0,1);font-weight:normal;font-size:10.0pt;font-family:Times New Roman;min-width:fit-content;"> </span></p><p style="text-indent:0.0%;font-size:10.0pt;margin-top:18.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:left;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);font-weight:normal;font-size:10.0pt;font-family:Times New Roman;min-width:fit-content;">During the fourth quarter of the fiscal year ended March 31, 2022, the Company made a change in the accounting estimate and began using a trailing twelve-month net charge-offs as a percentage of average finance receivables, and applying this percentage to ending finance receivables to estimate future probable credit losses. This approach better reflects the current trends of incurred losses within the portfolio and more closely aligns the allowance for credit losses with the portfolio’s performance indicators. Prior to the fourth quarter of the fiscal year ended March 31, 2022, the Company used a trailing six-month net charge-offs as a percentage of average finance receivables, annualized, and applied this percentage to ending finance receivables to estimate future probable losses for purposes of determining the allowance for credit losses. Using the prior methodology for estimating the allowance for credit losses would have resulted in higher provision expense of approximately $1.7 million. Management believes that estimating the allowance for credit losses using the trailing twelve-month charge-off analysis more accurately reflects portfolio performance adjusted for seasonality and encompasses historical collection practices. Under the current methodology the management continues to evaluate qualitative factors to support its allowance for credit losses. The Company examines the impact of macro-economic factors, such as year-over-year inflation, and changes in the value of underlying collateral and as a result incorporated an additional $0.9 million as a qualitative component amount to its current estimate of adequate reserves.</span></p>
CY2021 nick Net Income Loss Allocated To Stockholders Percentage
NetIncomeLossAllocatedToStockholdersPercentage
0.995
CY2021Q1 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
0
CY2022Q1 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
0
CY2022 nick Accrual Of Interest Income On Finance Receivables Suspension Condition
AccrualOfInterestIncomeOnFinanceReceivablesSuspensionCondition
Accrual of interest income on finance receivables is suspended when a loan is contractually delinquent for 61 days or more, or the collateral is repossessed, whichever is earlier.
CY2022 nick Percentage Of Receivable Interest Discount
PercentageOfReceivableInterestDiscount
0.069
CY2021 nick Percentage Of Receivable Interest Discount
PercentageOfReceivableInterestDiscount
0.075
CY2022 us-gaap Net Income Loss
NetIncomeLoss
2998000
CY2021 us-gaap Net Income Loss
NetIncomeLoss
8351000
CY2022 nick Net Income Loss Allocated To Stockholders Percentage
NetIncomeLossAllocatedToStockholdersPercentage
0.995
CY2021 nick Net Income Loss Allocated To Stockholders Percentage
NetIncomeLossAllocatedToStockholdersPercentage
0.995
CY2022 us-gaap Net Income Loss Available To Common Stockholders Diluted
NetIncomeLossAvailableToCommonStockholdersDiluted
2983000
CY2021 us-gaap Net Income Loss Available To Common Stockholders Diluted
NetIncomeLossAvailableToCommonStockholdersDiluted
8307000
CY2022 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
7572000
CY2021 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
7626000
CY2022 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
7572000
CY2021 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
7626000
CY2022 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.39
CY2021 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.09
CY2022 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.39
CY2021 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.09
CY2022 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
7572000
CY2021 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
7626000
CY2022 nick Basic Weighted Average Number Of Shares Outstanding And Unvested Restricted Stock Units Expected To Vest
BasicWeightedAverageNumberOfSharesOutstandingAndUnvestedRestrictedStockUnitsExpectedToVest
7612000
CY2022Q1 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Two
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo
3244000
CY2022Q1 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Three
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree
0
CY2022Q1 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Four
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour
55000000
CY2022Q1 us-gaap Number Of States In Which Entity Operates
NumberOfStatesInWhichEntityOperates
18
CY2022Q1 nick Number Of Branches
NumberOfBranches
47
CY2019Q1 nick Variable Interest Entity Monthly Servicing Fee Percent Of Outstanding Financed Receivables
VariableInterestEntityMonthlyServicingFeePercentOfOutstandingFinancedReceivables
0.025
CY2021 us-gaap Deferred Income Taxes And Tax Credits
DeferredIncomeTaxesAndTaxCredits
1626000
CY2022 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
1048000
CY2021 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2595000
CY2021Q1 nick Deferred Tax Assets Right Of Use Liability
DeferredTaxAssetsRightOfUseLiability
826000
CY2022Q1 us-gaap Deferred Tax Assets Other
DeferredTaxAssetsOther
175000
CY2021Q1 us-gaap Deferred Tax Assets Other
DeferredTaxAssetsOther
158000
CY2022 us-gaap Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
<p style="text-indent:0.0%;font-size:10.0pt;margin-top:18.0pt;line-height:1.0589583333333332;font-family:Times New Roman;margin-bottom:0.0pt;text-align:left;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);font-weight:bold;font-size:10.0pt;font-family:Times New Roman;min-width:fit-content;">Reclassifications</span><span style="color:rgba(0,0,0,1);font-weight:normal;font-size:10.0pt;font-family:Times New Roman;min-width:fit-content;"> </span></p><p style="text-indent:0.0%;font-size:10.0pt;margin-top:6.0pt;line-height:1.0589583333333332;font-family:Times New Roman;margin-bottom:0.0pt;text-align:left;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);font-weight:normal;font-size:10.0pt;font-family:Times New Roman;min-width:fit-content;">Certain prior-period amounts have been reclassified to conform to the current presentation. Such reclassifications had no impact on previously reported net loss or shareholders’ equity.</span><span style="color:rgba(0,0,0,1);font-weight:normal;font-size:10.0pt;font-family:Times New Roman;min-width:fit-content;"> </span></p>
CY2022 nick Delinquent Account Criteria Period
DelinquentAccountCriteriaPeriod
P121D
CY2022 nick Performing Account Criteria Maximum Period
PerformingAccountCriteriaMaximumPeriod
P60D
CY2022 nick Percentage Of Payment Contractually For Delinquent
PercentageOfPaymentContractuallyForDelinquent
0.25
CY2022 nick Non Performing Account Criteria Minimum Period
NonPerformingAccountCriteriaMinimumPeriod
P60D
CY2022Q1 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
4236000
CY2022Q1 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
2453000
CY2022Q1 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
1783000
CY2021Q1 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
4428000
CY2021Q1 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
3569000
CY2021Q1 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
859000
CY2022Q1 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
900000
CY2021Q1 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
1647000
CY2022Q1 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost
79000
CY2021Q1 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost
125000
CY2022Q1 us-gaap Deferred Tax Assets Operating Loss Carryforwards State And Local
DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal
507000
CY2021Q1 us-gaap Deferred Tax Assets Operating Loss Carryforwards State And Local
DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal
496000
CY2022Q1 nick Deferred Tax Assets Right Of Use Liability
DeferredTaxAssetsRightOfUseLiability
1094000
CY2022Q1 us-gaap Debt Instrument Carrying Amount
DebtInstrumentCarryingAmount
58244000
CY2022 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
116000
CY2021 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
969000
CY2022 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
35000
CY2022 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
151000
CY2021 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
969000
CY2022 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
800000
CY2021 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
1447000
CY2022 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
97000
CY2021 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
179000
CY2022 us-gaap Deferred Income Taxes And Tax Credits
DeferredIncomeTaxesAndTaxCredits
897000
CY2022Q1 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
2755000
CY2021Q1 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
3252000
CY2022Q1 nick Deferred Tax Liabilities Right Of Use Asset
DeferredTaxLiabilitiesRightOfUseAsset
1062000
CY2021Q1 nick Deferred Tax Liabilities Right Of Use Asset
DeferredTaxLiabilitiesRightOfUseAsset
832000
CY2022Q1 us-gaap Deferred Tax Liabilities Other
DeferredTaxLiabilitiesOther
308000
CY2021Q1 us-gaap Deferred Tax Liabilities Other
DeferredTaxLiabilitiesOther
137000
CY2022Q1 us-gaap Deferred Income Tax Liabilities
DeferredIncomeTaxLiabilities
1370000
CY2021Q1 us-gaap Deferred Income Tax Liabilities
DeferredIncomeTaxLiabilities
969000
CY2022Q1 us-gaap Deferred Tax Assets Net
DeferredTaxAssetsNet
1385000
CY2021Q1 us-gaap Deferred Tax Assets Net
DeferredTaxAssetsNet
2283000
CY2022 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
855000
CY2021 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
2303000
CY2022 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
142000
CY2021 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
378000
CY2022 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
51000
CY2021 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
-86000
CY2022 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
1048000
CY2021 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2595000
CY2022 us-gaap Operating Loss Carryforwards Expiration Date
OperatingLossCarryforwardsExpirationDate
2039-03-31
CY2022Q1 us-gaap Undistributed Earnings Of Domestic Subsidiaries
UndistributedEarningsOfDomesticSubsidiaries
155500000
CY2022Q1 us-gaap Operating Lease Liability
OperatingLeaseLiability
4400000
CY2021Q1 us-gaap Operating Lease Liability
OperatingLeaseLiability
3400000
CY2022Q1 us-gaap Operating Lease Right Of Use Asset
OperatingLeaseRightOfUseAsset
4300000
CY2021Q1 us-gaap Operating Lease Right Of Use Asset
OperatingLeaseRightOfUseAsset
3400000
CY2022Q1 us-gaap Lessee Operating Lease Liability Payments Due Next Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths
1624000
CY2022Q1 us-gaap Lessee Operating Lease Liability Payments Due Year Two
LesseeOperatingLeaseLiabilityPaymentsDueYearTwo
1130000
CY2022Q1 us-gaap Lessee Operating Lease Liability Payments Due Year Three
LesseeOperatingLeaseLiabilityPaymentsDueYearThree
917000
CY2022Q1 us-gaap Lessee Operating Lease Liability Payments Due Year Four
LesseeOperatingLeaseLiabilityPaymentsDueYearFour
553000
CY2022Q1 us-gaap Lessee Operating Lease Liability Payments Due Year Five
LesseeOperatingLeaseLiabilityPaymentsDueYearFive
293000
CY2022Q1 us-gaap Lessee Operating Lease Liability Payments Due After Year Five
LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive
481000
CY2022Q1 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
4998000
CY2022Q1 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
588000
CY2022Q1 us-gaap Operating Lease Liability
OperatingLeaseLiability
4410000
CY2022 nick Operating Lease Reduction Of Liability
OperatingLeaseReductionOfLiability
1388000
CY2020Q1 us-gaap Treasury Stock Common Value
TreasuryStockCommonValue
71438000
CY2022 us-gaap Stock Repurchased During Period Shares
StockRepurchasedDuringPeriodShares
182000
CY2022 us-gaap Stock Repurchased During Period Value
StockRepurchasedDuringPeriodValue
2062000
CY2021 us-gaap Stock Repurchased During Period Shares
StockRepurchasedDuringPeriodShares
112000
CY2021 us-gaap Stock Repurchased During Period Value
StockRepurchasedDuringPeriodValue
905000
CY2022 us-gaap Operating Lease Cost
OperatingLeaseCost
1736000
CY2021 us-gaap Operating Lease Cost
OperatingLeaseCost
1530000
CY2022 us-gaap Variable Lease Cost
VariableLeaseCost
347000
CY2021 us-gaap Variable Lease Cost
VariableLeaseCost
344000
CY2022 us-gaap Lease Cost
LeaseCost
2083000
CY2021 us-gaap Lease Cost
LeaseCost
1874000
CY2022 us-gaap Operating Lease Payments
OperatingLeasePayments
1591000
CY2021 us-gaap Operating Lease Payments
OperatingLeasePayments
1593000
CY2021 nick Operating Lease Reduction Of Liability
OperatingLeaseReductionOfLiability
1193000
CY2022 nick Operating Leases Weighted Average Lease Term
OperatingLeasesWeightedAverageLeaseTerm
P3Y10M24D
CY2021 nick Operating Leases Weighted Average Lease Term
OperatingLeasesWeightedAverageLeaseTerm
P2Y9M18D
CY2022Q1 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.0650
CY2021Q1 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.0650
CY2022 us-gaap Operating Lease Expense
OperatingLeaseExpense
2100000
CY2021 us-gaap Operating Lease Expense
OperatingLeaseExpense
1900000
CY2022 nick Number Of Share Based Compensation Plans
NumberOfShareBasedCompensationPlans
2
CY2022 us-gaap Proceeds From Issuance Of Shares Under Incentive And Share Based Compensation Plans Including Stock Options
ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlansIncludingStockOptions
0
CY2021 us-gaap Proceeds From Issuance Of Shares Under Incentive And Share Based Compensation Plans Including Stock Options
ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlansIncludingStockOptions
0
CY2022Q1 us-gaap Treasury Stock Common Shares
TreasuryStockCommonShares
5127000
CY2022Q1 us-gaap Treasury Stock Common Value
TreasuryStockCommonValue
74405000
CY2020Q4 us-gaap Net Income Loss
NetIncomeLoss
3785000
CY2021Q1 us-gaap Net Income Loss
NetIncomeLoss
1869000
CY2020Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.18
CY2020Q2 us-gaap Interest And Fee Income Loans Consumer Installment Automobiles Marine And Other Vehicles
InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles
14151000
CY2020Q3 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
3050000
CY2020Q4 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
650000
CY2021Q1 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
250000
CY2021Q1 us-gaap Treasury Stock Common Shares
TreasuryStockCommonShares
4945000
CY2021Q1 us-gaap Treasury Stock Common Value
TreasuryStockCommonValue
72343000
CY2020Q2 us-gaap Noninterest Expense
NoninterestExpense
7343000
CY2020Q3 us-gaap Noninterest Expense
NoninterestExpense
8131000
CY2020Q4 us-gaap Noninterest Expense
NoninterestExpense
7407000
CY2022 nick Variable Interest Entity Monthly Servicing Fee Percent Of Outstanding Financed Receivables
VariableInterestEntityMonthlyServicingFeePercentOfOutstandingFinancedReceivables
0.025
CY2022Q1 nick Variable Interest Entity Recourse To Assets
VariableInterestEntityRecourseToAssets
0
CY2021Q1 us-gaap Treasury Stock Common Shares
TreasuryStockCommonShares
4945000
CY2021Q1 us-gaap Treasury Stock Common Value
TreasuryStockCommonValue
72343000
CY2020Q1 us-gaap Treasury Stock Common Shares
TreasuryStockCommonShares
4833000
CY2021Q1 us-gaap Noninterest Expense
NoninterestExpense
8963000
CY2020Q2 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
1859000
CY2020Q3 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
1359000
CY2020Q4 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
4975000
CY2021Q1 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
2753000
CY2020Q2 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
429000
CY2020Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
92000
CY2020Q4 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
1190000
CY2021Q1 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
884000
CY2020Q2 us-gaap Net Income Loss
NetIncomeLoss
1430000
CY2020Q3 us-gaap Net Income Loss
NetIncomeLoss
1267000
CY2021Q2 us-gaap Interest And Fee Income Loans Consumer Installment Automobiles Marine And Other Vehicles
InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles
12594000
CY2021Q3 us-gaap Interest And Fee Income Loans Consumer Installment Automobiles Marine And Other Vehicles
InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles
12572000
CY2021Q4 us-gaap Interest And Fee Income Loans Consumer Installment Automobiles Marine And Other Vehicles
InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles
12240000
CY2022Q1 us-gaap Interest And Fee Income Loans Consumer Installment Automobiles Marine And Other Vehicles
InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles
12373000
CY2021Q2 us-gaap Interest Expense
InterestExpense
1188000
CY2021Q3 us-gaap Interest Expense
InterestExpense
1121000
CY2021Q4 us-gaap Interest Expense
InterestExpense
2613000
CY2022Q1 us-gaap Interest Expense
InterestExpense
444000
CY2021Q2 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
730000
CY2021Q3 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
1395000
CY2021Q4 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
1675000
CY2022Q1 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
2165000
CY2021Q2 us-gaap Noninterest Expense
NoninterestExpense
8348000
CY2021Q3 us-gaap Noninterest Expense
NoninterestExpense
7917000
CY2021Q4 us-gaap Noninterest Expense
NoninterestExpense
8863000
CY2022Q1 us-gaap Noninterest Expense
NoninterestExpense
9274000
CY2021Q2 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
2328000
CY2021Q3 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
2139000
CY2021Q4 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
-911000
CY2022Q1 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
490000
CY2021Q2 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
599000
CY2021Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
536000
CY2021Q4 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
-209000
CY2022Q1 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
122000
CY2021Q2 us-gaap Net Income Loss
NetIncomeLoss
1729000
CY2021Q3 us-gaap Net Income Loss
NetIncomeLoss
1603000
CY2021Q4 us-gaap Net Income Loss
NetIncomeLoss
-702000
CY2022Q1 us-gaap Net Income Loss
NetIncomeLoss
368000
CY2021Q2 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.22
CY2021Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.21
CY2021Q4 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
-0.09
CY2022Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.05
CY2021Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.22
CY2021Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.21
CY2021Q4 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
-0.09
CY2022Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.05
CY2020Q3 us-gaap Interest And Fee Income Loans Consumer Installment Automobiles Marine And Other Vehicles
InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles
14109000
CY2020Q4 us-gaap Interest And Fee Income Loans Consumer Installment Automobiles Marine And Other Vehicles
InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles
14474000
CY2021Q1 us-gaap Interest And Fee Income Loans Consumer Installment Automobiles Marine And Other Vehicles
InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles
13286000
CY2020Q2 us-gaap Interest Expense
InterestExpense
1649000
CY2020Q3 us-gaap Interest Expense
InterestExpense
1569000
CY2020Q4 us-gaap Interest Expense
InterestExpense
1442000
CY2021Q1 us-gaap Interest Expense
InterestExpense
1320000
CY2020Q2 us-gaap Provision For Loan Lease And Other Losses
ProvisionForLoanLeaseAndOtherLosses
3300000
CY2020Q3 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.16
CY2020Q4 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.49
CY2021Q1 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.24
CY2020Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.18
CY2020Q3 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.16
CY2020Q4 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.49
CY2021Q1 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.24

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