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(1) Summary of Significant Accounting Policies Description of Business Consumer Portfolio Services, Inc. ("CPS") was incorporated in California on March 8, 1991. CPS and its subsidiaries (collectively, the "Company") specialize in purchasing and servicing retail automobile installment sale contracts ("Contracts") originated by licensed motor vehicle dealers ("Dealers") located throughout the United States. Dealers located in California, Ohio, Indiana, North Carolina, and Texas represented <span id="xdx_90F_eus-gaap--ConcentrationRiskPercentage1_c20200101__20201231__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember__srt--StatementGeographicalAxis__stpr--CA_pii" title="Concentration percentage">13.5%, <span id="xdx_901_eus-gaap--ConcentrationRiskPercentage1_c20200101__20201231__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember__srt--StatementGeographicalAxis__stpr--OH_pii" title="Concentration percentage">11.1%, <span id="xdx_905_eus-gaap--ConcentrationRiskPercentage1_c20200101__20201231__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember__srt--StatementGeographicalAxis__stpr--TX_pii" title="Concentration percentage">5.4%, <span id="xdx_90B_eus-gaap--ConcentrationRiskPercentage1_c20200101__20201231__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember__srt--StatementGeographicalAxis__stpr--NC_pii" title="Concentration percentage">5.3% and <span id="xdx_901_eus-gaap--ConcentrationRiskPercentage1_c20200101__20201231__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember__srt--StatementGeographicalAxis__stpr--IN_pii" title="Concentration percentage">5.1%, respectively, of contracts purchased during 2020 compared with <span id="xdx_90E_eus-gaap--ConcentrationRiskPercentage1_c20190101__20191231__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember__srt--StatementGeographicalAxis__stpr--CA_pii" title="Concentration percentage">12.6%, <span id="xdx_902_eus-gaap--ConcentrationRiskPercentage1_pii_c20190101__20191231__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember__srt--StatementGeographicalAxis__stpr--OH_z8zqq8TvMCSk" title="Concentration percentage">10.8%, <span id="xdx_90F_eus-gaap--ConcentrationRiskPercentage1_pii_c20190101__20191231__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember__srt--StatementGeographicalAxis__stpr--TX_zh13SMS2AB3b" title="Concentration percentage">6.3%, <span id="xdx_905_eus-gaap--ConcentrationRiskPercentage1_pii_c20190101__20191231__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember__srt--StatementGeographicalAxis__stpr--NC_zNcgWEt7PaNi" title="Concentration percentage">5.4% and <span id="xdx_902_eus-gaap--ConcentrationRiskPercentage1_pii_c20190101__20191231__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember__srt--StatementGeographicalAxis__stpr--IN_zUc8i4t5whId" title="Concentration percentage">4.2% respectively in 2019. No other state had a concentration in excess of 5.1% in 2020. We specialize in contracts with vehicle purchasers who generally would not be expected to qualify for traditional financing provided by commercial banks or automobile manufacturers’ captive finance companies. We are subject to various regulations and laws as they relate to the extension of credit in consumer credit transactions. Failure to comply with such laws and regulations could have a material adverse effect on the Company. Principles of Consolidation The Consolidated Financial Statements include the accounts of Consumer Portfolio Services, Inc. and its wholly-owned subsidiaries, certain of which are special purpose subsidiaries ("SPS"), formed to accommodate the structures under which we purchase and securitize our contracts. The Consolidated Financial Statements also include the accounts of CPS Leasing, Inc., an 80% owned subsidiary. All significant intercompany balances and transactions have been eliminated in consolidation. Cash and Cash Equivalents For purposes of the statements of cash flows, we consider all highly liquid debt instruments with original maturities of three months or less to be cash equivalents. Cash equivalents consist of cash on hand and due from banks and money market accounts. Substantially all of our cash is deposited at three financial institutions. We maintain cash due from banks in excess of the banks' insured deposit limits. We do not believe we are exposed to any significant credit risk on these deposits. As part of certain financial covenants related to debt facilities, we are required to maintain a minimum unrestricted cash balance. As of December 31, 2020, our unrestricted cash balance was $13.5 million, which exceeded the minimum amounts required by our financial covenants. Finance Receivables Finance receivables, which we have the intent and ability to hold for the foreseeable future or until maturity or payoff, are presented at cost. All finance receivable contracts are held for investment. Interest income is accrued on the unpaid principal balance. Origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the interest method without anticipating prepayments. Generally, payments received on finance receivables are restricted to certain securitized pools, and the related contracts cannot be resold. Finance receivables are charged off pursuant to the controlling documents of certain securitized pools, generally as described below under Charge Off Policy. Management may authorize an extension of payment terms if collection appears likely during the next calendar month. Our portfolio of finance receivables consists of small-balance homogeneous contracts that are collectively evaluated for impairment on a portfolio basis. We report delinquency on a contractual basis. Once a Contract becomes greater than 90 days delinquent, we do not recognize additional interest income until the obligor under the Contract makes sufficient payments to be less than 90 days delinquent. Any payments received on a Contract that is greater than 90 days delinquent are first applied to accrued interest and then to principal reduction. Finance Receivables Measured at Fair Value Effective January 1, 2018, we adopted the fair value method of accounting for finance receivables acquired on or after that date. For each finance receivable acquired after 2017, we consider the price paid on the purchase date as the fair value for such receivable. We estimate the cash to be received in the future with respect to such receivables, based on our experience with similar receivables acquired in the past. We then compute the internal rate of return that results in the present value of those estimated cash receipts being equal to the purchase date fair value. Thereafter, we recognize interest income on such receivables on a level yield basis using that internal rate of return as the applicable interest rate. Cash received with respect to such receivables is applied first against such interest income, and then to reduce the recorded value of the receivables. We re-evaluate the fair value of such receivables at the close of each measurement period. If the reevaluation were to yield a value materially different from the recorded value, an adjustment would be required. For the period ended December 31, 2020, the Company considered the effect of the pandemic on the portfolio of finance receivables carried at fair value and recorded a mark down to that portfolio of $29.5 million. Anticipated credit losses are included in our estimation of cash to be received with respect to receivables. Because such credit losses are included in our computation of the appropriate level yield, we do not thereafter make periodic provision for credit losses, as our best estimate of the lifetime aggregate of credit losses is included in that initial computation. Also because we include anticipated credit losses in our computation of the level yield, the computed level yield is materially lower than the average contractual rate applicable to the receivables. Because our initial recorded value is fixed as the price we pay for the receivable, rather than as the contractual principal balance, we do not record acquisition fees as an amortizing asset related to the receivables, nor do we capitalize costs of acquiring the receivables. Rather we recognize the costs of acquisition as expenses in the period incurred. Allowance for Finance Credit Losses In order to estimate an appropriate allowance for losses likely incurred on finance receivables, we use a loss allowance methodology commonly referred to as "static pooling," which stratifies the finance receivable portfolio into separately identified pools based on their period of origination, then uses historical performance of seasoned pools to estimate future losses on current pools. Historical loss experience is adjusted as necessary for current economic conditions. We consider our portfolio of finance receivables to be relatively homogenous and consequently we analyze credit performance primarily in the aggregate rather than stratification by any particular credit quality indicator. Using analytical and formula driven techniques, we estimate an allowance for finance credit losses, which we believe is adequate for current expected credit losses that can be reasonably estimated in our portfolio of finance receivable contracts. Net losses incurred on finance receivables are charged to the allowance. We evaluate the adequacy of the allowance by examining current delinquencies, the characteristics of the portfolio, the value of the underlying collateral and historical loss trends. As conditions change, our level of provisioning and/or allowance may change. Charge Off Policy Delinquent contracts for which the related financed vehicle has been repossessed are generally charged off at the earliest of (1) the month in which the proceeds from the sale of the financed vehicle are received, (2) the month in which 90 days have passed from the date of repossession or (3) the month in which the Contract becomes seven scheduled payments past due (see Repossessed and Other Assets below). The amount charged off is the remaining principal balance of the Contract, after the application of the net proceeds from the liquidation of the financed vehicle. With respect to delinquent contracts for which the related financed vehicle has not been repossessed, the remaining principal balance is generally charged off no later than the end of the month that the Contract becomes five scheduled payments past due. Contract Acquisition Fees and Origination Costs Upon purchase of a Contract from a Dealer, we generally either charge or advance the Dealer an acquisition fee. Dealer acquisition fees and deferred origination costs are applied to the recorded value of finance receivables and are accreted into earnings as an adjustment to the yield over the estimated life of the Contract using the interest method. However, for receivables measured at fair value, we do not record acquisition fees as an amortizing asset related to the receivables, nor do we capitalize costs of acquiring the receivables. Rather we recognize the costs of acquisition as expenses in the period incurred. Repossessed and Other Assets If a Contract obligor fails to make or keep promises for payments, or if the obligor is uncooperative or attempts to evade contact or hide the vehicle, a supervisor will review the collection activity relating to the account to determine if repossession of the vehicle is warranted. Generally, such a decision is made between the 60th and 90th day past the obligor’s payment due date, but could occur sooner or later, depending on the specific circumstances. At the time the vehicle is repossessed we stop accruing interest on the Contract, and reclassify the remaining Contract balance to the line item "Other Assets" on our Consolidated Balance Sheet at its estimated fair value less costs to sell. Included in other assets in the accompanying Consolidated Balance Sheets are repossessed vehicles pending sale of $3.8 million and $7.5 million at December 31, 2020 and 2019, respectively. Treatment of Securitizations Our term securitization structure has generally been as follows: We sell contracts we acquire to a wholly-owned SPS, which has been established for the limited purpose of buying and reselling our contracts. The SPS then transfers the same contracts to another entity, typically a statutory trust ("Trust"). The Trust issues interest-bearing asset-backed securities ("Notes"), in a principal amount equal to or less than the aggregate principal balance of the contracts. We typically sell these contracts to the Trust at face value and without recourse, except representations and warranties that we make to the Trust that are similar to those provided to us by the Dealer. One or more investors (the "Noteholders") purchase the Notes issued by the Trust; the proceeds from the sale of the Notes are then used to purchase the contracts from us. We may retain or sell subordinated Notes issued by the Trust. In addition, we have provided "Credit Enhancement" for the benefit of the Noteholders in three forms: (1) an initial cash deposit to a bank account (a "Spread Account") held by the Trust, (2) overcollateralization of the Notes, where the principal balance of the Notes issued is less than the principal balance of the contracts, and (3) in the form of subordinated Notes. The agreements governing the securitization transactions (collectively referred to as the "Securitization Agreements") require that the initial level of Credit Enhancement be supplemented by a portion of collections from the contracts until the level of Credit Enhancement reaches specified levels, which are then maintained. The specified levels are generally computed as a percentage of the principal amount remaining unpaid under the related contracts. The specified levels at which the Credit Enhancement is to be maintained will vary depending on the performance of the portfolios of contracts held by the Trusts and on other conditions. Such levels have increased and decreased from time to time based on performance of the various portfolios, and have also varied from one Trust to another. Our warehouse securitization structures are similar to the above, except that (i) the SPS that purchases the contracts pledges the contracts to secure promissory notes or loans that it issues, and (ii) no increase in the required amount of Credit Enhancement is contemplated. Upon each sale of contracts in a securitization structured as a secured financing, we retain as assets on our Consolidated Balance Sheet the securitized contracts and record as indebtedness the Notes issued in the transaction. We have the power to direct the most significant activities of the SPS. In addition, we have the obligation to absorb losses and the rights to receive benefits from the SPS, both of which could be potentially significant to the SPS. These types of securitization structures are treated as secured financings, in which the receivables remain on our Consolidated Balance Sheet, and the debt issued by the SPS is shown as a securitization trust debt on our Consolidated Balance Sheet. We receive periodic base servicing fees for the servicing and collection of the contracts. In addition, we are entitled to the cash flows from the Trusts that represent collections on the contracts in excess of the amounts required to pay principal and interest on the Notes, the base servicing fees, and certain other fees (such as trustee and custodial fees). Required principal payments on the Notes are generally defined as the payments sufficient to keep the principal balance of the Notes equal to the aggregate principal balance of the related contracts (excluding those contracts that have been charged off), or a pre-determined percentage of such balance. Where that percentage is less than 100%, the related Securitization Agreements require accelerated payment of principal until the principal balance of the Notes is reduced to the specified percentage. Such accelerated principal payment is said to create "overcollateralization" of the Notes. If the amount of cash required for payment of fees, interest and principal on the senior Notes exceeds the amount collected during the collection period, the shortfall is generally withdrawn from the Spread Account, if any. If the cash collected during the period exceeds the amount necessary for the above allocations plus required principal payments on the subordinated Notes, if any, and there is no shortfall in the related Spread Account or other form of Credit Enhancement, the excess is released to us. If the total Credit Enhancement amount is not at the required level, then the excess cash collected is retained in the Trust until the specified level is achieved. Cash in the Spread Accounts is restricted from our use. Cash held in the various Spread Accounts is invested in high quality, liquid investment securities, as specified in the Securitization Agreements. In all of our term securitizations we have transferred the receivables (through a subsidiary) to the securitization Trust. We report the assets and liabilities of the securitization Trust on our Consolidated Balance Sheet. The Noteholders’ and the related securitization Trusts’ recourse against us for failure of the contract obligors to make payments on a timely basis is limited, in general, to our Finance Receivables, and Spread Accounts. Servicing We consider the contractual servicing fee received on our managed portfolio held by non-consolidated subsidiaries to be equal to adequate compensation. Additionally, we consider that these fees would fairly compensate a substitute servicer, should one be required. As a result, no servicing asset or liability has been recognized. Servicing fees received on the managed portfolio held by non-consolidated subsidiaries are reported as income when earned. Servicing fees received on the managed portfolio held by consolidated subsidiaries are included in interest income when earned. Servicing costs are charged to expense as incurred. Servicing fees receivable, which are included in Other Assets in the accompanying Consolidated Balance Sheets, represent fees earned but not yet remitted to us by the trustee. Furniture and Equipment Furniture and equipment are stated at cost net of accumulated depreciation. We calculate depreciation using the straight-line method over the estimated useful lives of the assets, which range from three to five years. Assets held under capital leases and leasehold improvements are amortized over the lesser of the estimated useful lives of the assets or the related lease terms. Amortization expense on assets acquired under capital lease is included with depreciation expense on owned assets. Impairment of Long-Lived Assets and Long-Lived Assets to Be Disposed Of Long-lived assets and certain identifiable intangibles are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying amount of an asset to future net cash flows expected to be generated by the asset. If such assets are considered to be impaired, the impairment to be recognized is measured by the amount by which the carrying amount of the assets exceeds the fair value of the assets. Assets to be disposed of are reported at the lower of carrying amount or fair value less costs to sell. Other Income The following table presents the primary components of Other Income: <table cellpadding="0" cellspacing="0" id="xdx_895_ecustom--OtherIncomeTableTextBlock_pn3n3_zJeUycZHmsHl" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (1) Summary of Significant Accounting Policies (Details - Other income)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of other income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Year Ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2018</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 55%; text-align: left">Direct mail revenues</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--OtherOperatingIncome_c20200101__20201231__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_pn3n3" style="width: 11%; text-align: right" title="Other income for the period">3,312</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--OtherOperatingIncome_c20190101__20191231__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_pn3n3" style="width: 11%; text-align: right" title="Other income for the period">4,659</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--OtherOperatingIncome_c20180101__20181231__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_pn3n3" style="width: 11%; text-align: right" title="Other income for the period">5,829</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Convenience fee revenue</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--OtherOperatingIncome_c20200101__20201231__us-gaap--IncomeStatementLocationAxis__custom--ConvenienceFeeMember_pn3n3" style="text-align: right" title="Other income for the period">1,490</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--OtherOperatingIncome_c20190101__20191231__us-gaap--IncomeStatementLocationAxis__custom--ConvenienceFeeMember_pn3n3" style="text-align: right" title="Other income for the period">2,440</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--OtherOperatingIncome_c20180101__20181231__us-gaap--IncomeStatementLocationAxis__custom--ConvenienceFeeMember_pn3n3" style="text-align: right" title="Other income for the period">1,700</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Recoveries on previously charged-off contracts</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--OtherOperatingIncome_c20200101__20201231__us-gaap--IncomeStatementLocationAxis__custom--RecoveriesMember_pn3n3" style="text-align: right" title="Other income for the period">111</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--OtherOperatingIncome_c20190101__20191231__us-gaap--IncomeStatementLocationAxis__custom--RecoveriesMember_pn3n3" style="text-align: right" title="Other income for the period">158</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--OtherOperatingIncome_c20180101__20181231__us-gaap--IncomeStatementLocationAxis__custom--RecoveriesMember_pn3n3" style="text-align: right" title="Other income for the period">248</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Sales tax refunds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--OtherOperatingIncome_c20200101__20201231__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_pn3n3" style="text-align: right" title="Other income for the period">748</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--OtherOperatingIncome_c20190101__20191231__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_pn3n3" style="text-align: right" title="Other income for the period">1,239</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--OtherOperatingIncome_c20180101__20181231__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_pn3n3" style="text-align: right" title="Other income for the period">887</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--OtherOperatingIncome_c20200101__20201231__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Other income for the period">46</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--OtherOperatingIncome_c20190101__20191231__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_pn3n3" style="border-bottom: Black 1pt solid; padding-left: 10pt; text-align: right" title="Other income for the period">208</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--OtherOperatingIncome_c20180101__20181231__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Other income for the period">814</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Other income for the period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--OtherOperatingIncome_c20200101__20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">5,707</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--OtherOperatingIncome_c20190101__20191231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">8,704</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--OtherOperatingIncome_c20180101__20181231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">9,478</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> On January 1, 2018, the Company adopted Accounting Standards Codification (“ASC”) Topic 606, “Revenue from Contracts with Customers”. The majority of the Company’s revenues come from interest income which is outside the scope of ASC 606. The Company’s services that fall within the scope of ASC 606 are presented within Other Income and are recognized as revenue as the Company satisfies its obligation to the customer. Services within the scope of ASC 606 include revenue associated with direct mail and other related products and services that we offer to our dealers. Earnings Per Share Earnings per share were calculated using the weighted average number of shares outstanding for the related period. The following table illustrates the computation of basic and diluted earnings per share: <table cellpadding="0" cellspacing="0" id="xdx_89F_eus-gaap--ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_pn3n3_zeMqBIhFe3Ba" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (1) Summary of Significant Accounting Policies (Details - Earning per share)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left">Schedule of computation of earnings per share</td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20200101__20201231_zSZHjnQ3yr0f" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_499_20190101__20191231_z0f5Xp4HMfR3" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_498_20180101__20181231_zP8U8y9Knwz2" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Year Ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2018</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">(In thousands, except per share data)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left">Numerator:</td><td> </td> <td colspan="2" style="text-align: left"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr id="xdx_406_eus-gaap--NetIncomeLoss_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 55%; text-align: left; padding-bottom: 2.5pt">Numerator for basic and diluted earnings per share</td><td style="width: 2%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 11%; text-align: right">21,677</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 2%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 11%; text-align: right">5,406</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 2%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 11%; text-align: right">14,862</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>Denominator:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Denominator for basic earnings per share</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left"> - weighted average number of common shares outstanding during the year</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--WeightedAverageNumberOfSharesOutstandingBasic_pn3n3_c20200101__20201231_zXuziRvQ0Xt6" style="text-align: right" title="Denominator for basic earnings per share - weighted average number of common shares outstanding during the year">22,611</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--WeightedAverageNumberOfSharesOutstandingBasic_pn3n3_c20190101__20191231_zXi8R6ByBzTd" style="text-align: right" title="Denominator for basic earnings per share - weighted average number of common shares outstanding during the year">22,416</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--WeightedAverageNumberOfSharesOutstandingBasic_pn3n3_c20180101__20181231_zbHQZMTice4i" style="text-align: right" title="Denominator for basic earnings per share - weighted average number of common shares outstanding during the year">21,989</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--IncrementalCommonSharesAttributableToCallOptionsAndWarrants_i_pn3i" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left">Incremental common shares attributable to exercise of outstanding options and warrants</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,392</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,648</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,999</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--WeightedAverageNumberOfDilutedSharesOutstanding_zrqOHfPB3Ix" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Denominator for diluted earnings per share</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">24,003</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">24,064</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">24,988</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--EarningsPerShareBasic_pii_z8zZ1drnJlMa" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt">Basic earnings per share</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.96</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.24</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.68</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--EarningsPerShareDiluted_pii_zx6uFdCEXMlf" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt">Diluted earnings per share</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.90</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.22</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.59</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> Incremental shares of 13.6 million, 11.3 million and 10.3 million related to stock options and warrants have been excluded from the diluted earnings per share calculation for the years ended December 31, 2020, 2019 and 2018, respectively, because the effect is anti-dilutive. Deferral and Amortization of Debt Issuance Costs Costs related to the issuance of debt are deferred and amortized using the interest method over the contractual or expected term of the related debt. Unamortized debt issuance costs are presented as a direct deduction to the carrying amount of the related debt on our Consolidated Balance Sheets. Income Taxes The Company and its subsidiaries file a consolidated federal income tax return and combined or stand-alone state franchise tax returns for certain states. We utilize the asset and liability method of accounting for income taxes, under which deferred income taxes are recognized for the future tax consequences attributable to the differences between the financial statement values of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred taxes of a change in tax rates is recognized in income in the period that includes the enactment date. We estimate a valuation allowance against that portion of the deferred tax asset whose utilization in future periods is not more than likely. Purchases of Company Stock We record purchases of our own common stock at cost and treat the shares as retired. Stock Option Plan The Company accounts for stock-based compensation in accordance with FASB ASC Topic 718, Compensation—Stock Compensation, that generally requires entities to recognize the cost of employee services received in exchange for awards of stock options, restricted stock or other equity instruments, based on the grant date fair value of those awards. Compensation cost is recognized for awards issued to employees based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options. This cost is recognized over the period which an employee is required to provide services in exchange for the award, generally the vesting period. Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the financial statements, as well as the reported amounts of income and expenses during the reported periods. These are material estimates that could be susceptible to changes in the near term and, accordingly, actual results could differ from those estimates. Reclassification Certain amounts for the prior year have been reclassified to conform to the current year’s presentation with no effect on previously reported earnings or shareholders’ equity. Financial Covenants Certain of our securitization transactions, our residual interest financing and our warehouse credit facilities contain various financial covenants requiring certain minimum financial ratios and results. Such covenants include maintaining minimum levels of liquidity and net worth and not exceeding maximum leverage levels. In addition, certain securitization and non-securitization related debt contain cross-default provisions that would allow certain creditors to declare a default if a default occurred under a different facility. As of December 31, 2020 we were in compliance with all such financial covenants. Provision for Contingent Liabilities We are routinely involved in various legal proceedings resulting from our consumer finance activities and practices, both continuing and discontinued. Our legal counsel has advised us on such matters where, based on information available at the time of this report, there is an indication that it is both probable that a liability has been incurred and the amount of the loss can be reasonably determined. We have recorded a liability as of December 31, 2020, which represents our estimate of the immaterial aggregate probable incurred losses for legal contingencies. The amount of losses that may ultimately be incurred, over and above such losses as are probable, cannot be estimated with certainty. Recently Issued Accounting Standards In June 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Codification ("ASC")Topic 326, which changes the criteria under which credit losses on financial instruments (such as the Company’s finance receivables) are measured. ASC 326 introduces a new credit reserving model known as the Current Expected Credit Loss (“CECL”) model, which replaces the incurred loss impairment methodology previously used under U.S. GAAP with a methodology that records currently the expected lifetime credit losses on financial instruments. To establish such lifetime credit loss estimates, consideration of a broadened range of reasonable and supportable information to establish credit loss estimates is required. ASC 326 was initially scheduled to become effective for interim and annual reporting periods beginning after December 15, 2019, however on October 16, 2019, the FASB changed the effective date for smaller reporting companies to interim and annual reporting periods beginning after December 15, 2022, with early adoption permitted. Effective January 1, 2020, the Company adopted the CECL model. The adoption of CECL required that we establish an allowance for the remaining expected lifetime credit losses on the portion of the Company’s receivable portfolio for which the Company was not already using fair value accounting. We refer to that portion, which is those receivables that were originated prior to January 2018, as our “legacy portfolio”. To comply with CECL, the Company recorded an addition to its allowance for finance credit losses of $127.0 million. In accordance with the rules for adopting CECL, the offset to the addition to the allowance for finance credit losses was a tax affected reduction to retained earnings using the modified retrospective method, and not a current period expense. Coronavirus Pandemic In December 2019, a new strain of coronavirus (the “COVID-19 virus”) originated in Wuhan, China. Since its discovery, the COVID-19 virus has spread throughout the world, and the outbreak has been declared to be a pandemic by the World Health Organization. We refer from time to time in this report to the outbreak and spread of the COVID-19 virus as “the pandemic.” Results for the year ended December 31, 2020 include the estimated potential effect on credit performance resulting from the pandemic. We recorded a $14.1 14,113 million charge to the provision for credit losses for the legacy portfolio accounted for under CECL and a $29.5 million mark down to the recorded value of the finance receivables measured at fair value. We measure our portfolio of finance receivables carried at fair value with consideration for unobservable inputs that reflect our own assumptions about the factors that market participants use in pricing similar receivables and are based on the best information available in the circumstances. They include such inputs as estimates for the magnitude and timing of net charge-offs and the rate of amortization of the portfolio. The pandemic and the adverse effect it may have on the U.S. economy and our obligors may cause us to consider significant changes in any of those inputs, which in turn may have a significant effect on our fair value measurement.

Description of Business Consumer Portfolio Services, Inc. ("CPS") was incorporated in California on March 8, 1991. CPS and its subsidiaries (collectively, the "Company") specialize in purchasing and servicing retail automobile installment sale contracts ("Contracts") originated by licensed motor vehicle dealers ("Dealers") located throughout the United States. Dealers located in California, Ohio, Indiana, North Carolina, and Texas represented <span id="xdx_90F_eus-gaap--ConcentrationRiskPercentage1_c20200101__20201231__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember__srt--StatementGeographicalAxis__stpr--CA_pii" title="Concentration percentage">13.5%, <span id="xdx_901_eus-gaap--ConcentrationRiskPercentage1_c20200101__20201231__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember__srt--StatementGeographicalAxis__stpr--OH_pii" title="Concentration percentage">11.1%, <span id="xdx_905_eus-gaap--ConcentrationRiskPercentage1_c20200101__20201231__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember__srt--StatementGeographicalAxis__stpr--TX_pii" title="Concentration percentage">5.4%, <span id="xdx_90B_eus-gaap--ConcentrationRiskPercentage1_c20200101__20201231__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember__srt--StatementGeographicalAxis__stpr--NC_pii" title="Concentration percentage">5.3% and <span id="xdx_901_eus-gaap--ConcentrationRiskPercentage1_c20200101__20201231__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember__srt--StatementGeographicalAxis__stpr--IN_pii" title="Concentration percentage">5.1%, respectively, of contracts purchased during 2020 compared with <span id="xdx_90E_eus-gaap--ConcentrationRiskPercentage1_c20190101__20191231__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember__srt--StatementGeographicalAxis__stpr--CA_pii" title="Concentration percentage">12.6%, <span id="xdx_902_eus-gaap--ConcentrationRiskPercentage1_pii_c20190101__20191231__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember__srt--StatementGeographicalAxis__stpr--OH_z8zqq8TvMCSk" title="Concentration percentage">10.8%, <span id="xdx_90F_eus-gaap--ConcentrationRiskPercentage1_pii_c20190101__20191231__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember__srt--StatementGeographicalAxis__stpr--TX_zh13SMS2AB3b" title="Concentration percentage">6.3%, <span id="xdx_905_eus-gaap--ConcentrationRiskPercentage1_pii_c20190101__20191231__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember__srt--StatementGeographicalAxis__stpr--NC_zNcgWEt7PaNi" title="Concentration percentage">5.4% and <span id="xdx_902_eus-gaap--ConcentrationRiskPercentage1_pii_c20190101__20191231__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember__srt--StatementGeographicalAxis__stpr--IN_zUc8i4t5whId" title="Concentration percentage">4.2% respectively in 2019. No other state had a concentration in excess of 5.1% in 2020. We specialize in contracts with vehicle purchasers who generally would not be expected to qualify for traditional financing provided by commercial banks or automobile manufacturers’ captive finance companies. We are subject to various regulations and laws as they relate to the extension of credit in consumer credit transactions. Failure to comply with such laws and regulations could have a material adverse effect on the Company.

0.135

0.111

0.054

0.053

0.051

0.126

0.108

0.063

0.054

0.042

Principles of Consolidation The Consolidated Financial Statements include the accounts of Consumer Portfolio Services, Inc. and its wholly-owned subsidiaries, certain of which are special purpose subsidiaries ("SPS"), formed to accommodate the structures under which we purchase and securitize our contracts. The Consolidated Financial Statements also include the accounts of CPS Leasing, Inc., an 80% owned subsidiary. All significant intercompany balances and transactions have been eliminated in consolidation.

0.80

Cash and Cash Equivalents For purposes of the statements of cash flows, we consider all highly liquid debt instruments with original maturities of three months or less to be cash equivalents. Cash equivalents consist of cash on hand and due from banks and money market accounts. Substantially all of our cash is deposited at three financial institutions. We maintain cash due from banks in excess of the banks' insured deposit limits. We do not believe we are exposed to any significant credit risk on these deposits. As part of certain financial covenants related to debt facilities, we are required to maintain a minimum unrestricted cash balance. As of December 31, 2020, our unrestricted cash balance was $13.5 million, which exceeded the minimum amounts required by our financial covenants.

13500000

Finance Receivables Finance receivables, which we have the intent and ability to hold for the foreseeable future or until maturity or payoff, are presented at cost. All finance receivable contracts are held for investment. Interest income is accrued on the unpaid principal balance. Origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the interest method without anticipating prepayments. Generally, payments received on finance receivables are restricted to certain securitized pools, and the related contracts cannot be resold. Finance receivables are charged off pursuant to the controlling documents of certain securitized pools, generally as described below under Charge Off Policy. Management may authorize an extension of payment terms if collection appears likely during the next calendar month. Our portfolio of finance receivables consists of small-balance homogeneous contracts that are collectively evaluated for impairment on a portfolio basis. We report delinquency on a contractual basis. Once a Contract becomes greater than 90 days delinquent, we do not recognize additional interest income until the obligor under the Contract makes sufficient payments to be less than 90 days delinquent. Any payments received on a Contract that is greater than 90 days delinquent are first applied to accrued interest and then to principal reduction.

Finance Receivables Measured at Fair Value Effective January 1, 2018, we adopted the fair value method of accounting for finance receivables acquired on or after that date. For each finance receivable acquired after 2017, we consider the price paid on the purchase date as the fair value for such receivable. We estimate the cash to be received in the future with respect to such receivables, based on our experience with similar receivables acquired in the past. We then compute the internal rate of return that results in the present value of those estimated cash receipts being equal to the purchase date fair value. Thereafter, we recognize interest income on such receivables on a level yield basis using that internal rate of return as the applicable interest rate. Cash received with respect to such receivables is applied first against such interest income, and then to reduce the recorded value of the receivables. We re-evaluate the fair value of such receivables at the close of each measurement period. If the reevaluation were to yield a value materially different from the recorded value, an adjustment would be required. For the period ended December 31, 2020, the Company considered the effect of the pandemic on the portfolio of finance receivables carried at fair value and recorded a mark down to that portfolio of $29.5 million. Anticipated credit losses are included in our estimation of cash to be received with respect to receivables. Because such credit losses are included in our computation of the appropriate level yield, we do not thereafter make periodic provision for credit losses, as our best estimate of the lifetime aggregate of credit losses is included in that initial computation. Also because we include anticipated credit losses in our computation of the level yield, the computed level yield is materially lower than the average contractual rate applicable to the receivables. Because our initial recorded value is fixed as the price we pay for the receivable, rather than as the contractual principal balance, we do not record acquisition fees as an amortizing asset related to the receivables, nor do we capitalize costs of acquiring the receivables. Rather we recognize the costs of acquisition as expenses in the period incurred. 29500000

Allowance for Finance Credit Losses In order to estimate an appropriate allowance for losses likely incurred on finance receivables, we use a loss allowance methodology commonly referred to as "static pooling," which stratifies the finance receivable portfolio into separately identified pools based on their period of origination, then uses historical performance of seasoned pools to estimate future losses on current pools. Historical loss experience is adjusted as necessary for current economic conditions. We consider our portfolio of finance receivables to be relatively homogenous and consequently we analyze credit performance primarily in the aggregate rather than stratification by any particular credit quality indicator. Using analytical and formula driven techniques, we estimate an allowance for finance credit losses, which we believe is adequate for current expected credit losses that can be reasonably estimated in our portfolio of finance receivable contracts. Net losses incurred on finance receivables are charged to the allowance. We evaluate the adequacy of the allowance by examining current delinquencies, the characteristics of the portfolio, the value of the underlying collateral and historical loss trends. As conditions change, our level of provisioning and/or allowance may change.

Charge Off Policy Delinquent contracts for which the related financed vehicle has been repossessed are generally charged off at the earliest of (1) the month in which the proceeds from the sale of the financed vehicle are received, (2) the month in which 90 days have passed from the date of repossession or (3) the month in which the Contract becomes seven scheduled payments past due (see Repossessed and Other Assets below). The amount charged off is the remaining principal balance of the Contract, after the application of the net proceeds from the liquidation of the financed vehicle. With respect to delinquent contracts for which the related financed vehicle has not been repossessed, the remaining principal balance is generally charged off no later than the end of the month that the Contract becomes five scheduled payments past due. Contract Acquisition Fees and Origination Costs Upon purchase of a Contract from a Dealer, we generally either charge or advance the Dealer an acquisition fee. Dealer acquisition fees and deferred origination costs are applied to the recorded value of finance receivables and are accreted into earnings as an adjustment to the yield over the estimated life of the Contract using the interest method. However, for receivables measured at fair value, we do not record acquisition fees as an amortizing asset related to the receivables, nor do we capitalize costs of acquiring the receivables. Rather we recognize the costs of acquisition as expenses in the period incurred. Repossessed and Other Assets If a Contract obligor fails to make or keep promises for payments, or if the obligor is uncooperative or attempts to evade contact or hide the vehicle, a supervisor will review the collection activity relating to the account to determine if repossession of the vehicle is warranted. Generally, such a decision is made between the 60th and 90th day past the obligor’s payment due date, but could occur sooner or later, depending on the specific circumstances. At the time the vehicle is repossessed we stop accruing interest on the Contract, and reclassify the remaining Contract balance to the line item "Other Assets" on our Consolidated Balance Sheet at its estimated fair value less costs to sell. Included in other assets in the accompanying Consolidated Balance Sheets are repossessed vehicles pending sale of $3.8 million and $7.5 million at December 31, 2020 and 2019, respectively.

3800000

7500000

Treatment of Securitizations Our term securitization structure has generally been as follows: We sell contracts we acquire to a wholly-owned SPS, which has been established for the limited purpose of buying and reselling our contracts. The SPS then transfers the same contracts to another entity, typically a statutory trust ("Trust"). The Trust issues interest-bearing asset-backed securities ("Notes"), in a principal amount equal to or less than the aggregate principal balance of the contracts. We typically sell these contracts to the Trust at face value and without recourse, except representations and warranties that we make to the Trust that are similar to those provided to us by the Dealer. One or more investors (the "Noteholders") purchase the Notes issued by the Trust; the proceeds from the sale of the Notes are then used to purchase the contracts from us. We may retain or sell subordinated Notes issued by the Trust. In addition, we have provided "Credit Enhancement" for the benefit of the Noteholders in three forms: (1) an initial cash deposit to a bank account (a "Spread Account") held by the Trust, (2) overcollateralization of the Notes, where the principal balance of the Notes issued is less than the principal balance of the contracts, and (3) in the form of subordinated Notes. The agreements governing the securitization transactions (collectively referred to as the "Securitization Agreements") require that the initial level of Credit Enhancement be supplemented by a portion of collections from the contracts until the level of Credit Enhancement reaches specified levels, which are then maintained. The specified levels are generally computed as a percentage of the principal amount remaining unpaid under the related contracts. The specified levels at which the Credit Enhancement is to be maintained will vary depending on the performance of the portfolios of contracts held by the Trusts and on other conditions. Such levels have increased and decreased from time to time based on performance of the various portfolios, and have also varied from one Trust to another. Our warehouse securitization structures are similar to the above, except that (i) the SPS that purchases the contracts pledges the contracts to secure promissory notes or loans that it issues, and (ii) no increase in the required amount of Credit Enhancement is contemplated. Upon each sale of contracts in a securitization structured as a secured financing, we retain as assets on our Consolidated Balance Sheet the securitized contracts and record as indebtedness the Notes issued in the transaction. We have the power to direct the most significant activities of the SPS. In addition, we have the obligation to absorb losses and the rights to receive benefits from the SPS, both of which could be potentially significant to the SPS. These types of securitization structures are treated as secured financings, in which the receivables remain on our Consolidated Balance Sheet, and the debt issued by the SPS is shown as a securitization trust debt on our Consolidated Balance Sheet. We receive periodic base servicing fees for the servicing and collection of the contracts. In addition, we are entitled to the cash flows from the Trusts that represent collections on the contracts in excess of the amounts required to pay principal and interest on the Notes, the base servicing fees, and certain other fees (such as trustee and custodial fees). Required principal payments on the Notes are generally defined as the payments sufficient to keep the principal balance of the Notes equal to the aggregate principal balance of the related contracts (excluding those contracts that have been charged off), or a pre-determined percentage of such balance. Where that percentage is less than 100%, the related Securitization Agreements require accelerated payment of principal until the principal balance of the Notes is reduced to the specified percentage. Such accelerated principal payment is said to create "overcollateralization" of the Notes. If the amount of cash required for payment of fees, interest and principal on the senior Notes exceeds the amount collected during the collection period, the shortfall is generally withdrawn from the Spread Account, if any. If the cash collected during the period exceeds the amount necessary for the above allocations plus required principal payments on the subordinated Notes, if any, and there is no shortfall in the related Spread Account or other form of Credit Enhancement, the excess is released to us. If the total Credit Enhancement amount is not at the required level, then the excess cash collected is retained in the Trust until the specified level is achieved. Cash in the Spread Accounts is restricted from our use. Cash held in the various Spread Accounts is invested in high quality, liquid investment securities, as specified in the Securitization Agreements. In all of our term securitizations we have transferred the receivables (through a subsidiary) to the securitization Trust. We report the assets and liabilities of the securitization Trust on our Consolidated Balance Sheet. The Noteholders’ and the related securitization Trusts’ recourse against us for failure of the contract obligors to make payments on a timely basis is limited, in general, to our Finance Receivables, and Spread Accounts.

Servicing We consider the contractual servicing fee received on our managed portfolio held by non-consolidated subsidiaries to be equal to adequate compensation. Additionally, we consider that these fees would fairly compensate a substitute servicer, should one be required. As a result, no servicing asset or liability has been recognized. Servicing fees received on the managed portfolio held by non-consolidated subsidiaries are reported as income when earned. Servicing fees received on the managed portfolio held by consolidated subsidiaries are included in interest income when earned. Servicing costs are charged to expense as incurred. Servicing fees receivable, which are included in Other Assets in the accompanying Consolidated Balance Sheets, represent fees earned but not yet remitted to us by the trustee.

Furniture and Equipment Furniture and equipment are stated at cost net of accumulated depreciation. We calculate depreciation using the straight-line method over the estimated useful lives of the assets, which range from three to five years. Assets held under capital leases and leasehold improvements are amortized over the lesser of the estimated useful lives of the assets or the related lease terms. Amortization expense on assets acquired under capital lease is included with depreciation expense on owned assets.

Impairment of Long-Lived Assets and Long-Lived Assets to Be Disposed Of Long-lived assets and certain identifiable intangibles are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying amount of an asset to future net cash flows expected to be generated by the asset. If such assets are considered to be impaired, the impairment to be recognized is measured by the amount by which the carrying amount of the assets exceeds the fair value of the assets. Assets to be disposed of are reported at the lower of carrying amount or fair value less costs to sell.

Other Income The following table presents the primary components of Other Income: <table cellpadding="0" cellspacing="0" id="xdx_895_ecustom--OtherIncomeTableTextBlock_pn3n3_zJeUycZHmsHl" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (1) Summary of Significant Accounting Policies (Details - Other income)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of other income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Year Ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2018</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 55%; text-align: left">Direct mail revenues</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--OtherOperatingIncome_c20200101__20201231__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_pn3n3" style="width: 11%; text-align: right" title="Other income for the period">3,312</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--OtherOperatingIncome_c20190101__20191231__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_pn3n3" style="width: 11%; text-align: right" title="Other income for the period">4,659</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--OtherOperatingIncome_c20180101__20181231__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_pn3n3" style="width: 11%; text-align: right" title="Other income for the period">5,829</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Convenience fee revenue</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--OtherOperatingIncome_c20200101__20201231__us-gaap--IncomeStatementLocationAxis__custom--ConvenienceFeeMember_pn3n3" style="text-align: right" title="Other income for the period">1,490</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--OtherOperatingIncome_c20190101__20191231__us-gaap--IncomeStatementLocationAxis__custom--ConvenienceFeeMember_pn3n3" style="text-align: right" title="Other income for the period">2,440</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--OtherOperatingIncome_c20180101__20181231__us-gaap--IncomeStatementLocationAxis__custom--ConvenienceFeeMember_pn3n3" style="text-align: right" title="Other income for the period">1,700</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Recoveries on previously charged-off contracts</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--OtherOperatingIncome_c20200101__20201231__us-gaap--IncomeStatementLocationAxis__custom--RecoveriesMember_pn3n3" style="text-align: right" title="Other income for the period">111</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--OtherOperatingIncome_c20190101__20191231__us-gaap--IncomeStatementLocationAxis__custom--RecoveriesMember_pn3n3" style="text-align: right" title="Other income for the period">158</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--OtherOperatingIncome_c20180101__20181231__us-gaap--IncomeStatementLocationAxis__custom--RecoveriesMember_pn3n3" style="text-align: right" title="Other income for the period">248</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Sales tax refunds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--OtherOperatingIncome_c20200101__20201231__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_pn3n3" style="text-align: right" title="Other income for the period">748</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--OtherOperatingIncome_c20190101__20191231__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_pn3n3" style="text-align: right" title="Other income for the period">1,239</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--OtherOperatingIncome_c20180101__20181231__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_pn3n3" style="text-align: right" title="Other income for the period">887</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--OtherOperatingIncome_c20200101__20201231__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Other income for the period">46</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--OtherOperatingIncome_c20190101__20191231__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_pn3n3" style="border-bottom: Black 1pt solid; padding-left: 10pt; text-align: right" title="Other income for the period">208</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--OtherOperatingIncome_c20180101__20181231__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Other income for the period">814</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Other income for the period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--OtherOperatingIncome_c20200101__20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">5,707</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--OtherOperatingIncome_c20190101__20191231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">8,704</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--OtherOperatingIncome_c20180101__20181231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">9,478</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> On January 1, 2018, the Company adopted Accounting Standards Codification (“ASC”) Topic 606, “Revenue from Contracts with Customers”. The majority of the Company’s revenues come from interest income which is outside the scope of ASC 606. The Company’s services that fall within the scope of ASC 606 are presented within Other Income and are recognized as revenue as the Company satisfies its obligation to the customer. Services within the scope of ASC 606 include revenue associated with direct mail and other related products and services that we offer to our dealers. <table cellpadding="0" cellspacing="0" id="xdx_895_ecustom--OtherIncomeTableTextBlock_pn3n3_zJeUycZHmsHl" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (1) Summary of Significant Accounting Policies (Details - Other income)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of other income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Year Ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2018</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 55%; text-align: left">Direct mail revenues</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--OtherOperatingIncome_c20200101__20201231__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_pn3n3" style="width: 11%; text-align: right" title="Other income for the period">3,312</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--OtherOperatingIncome_c20190101__20191231__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_pn3n3" style="width: 11%; text-align: right" title="Other income for the period">4,659</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--OtherOperatingIncome_c20180101__20181231__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_pn3n3" style="width: 11%; text-align: right" title="Other income for the period">5,829</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Convenience fee revenue</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--OtherOperatingIncome_c20200101__20201231__us-gaap--IncomeStatementLocationAxis__custom--ConvenienceFeeMember_pn3n3" style="text-align: right" title="Other income for the period">1,490</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--OtherOperatingIncome_c20190101__20191231__us-gaap--IncomeStatementLocationAxis__custom--ConvenienceFeeMember_pn3n3" style="text-align: right" title="Other income for the period">2,440</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--OtherOperatingIncome_c20180101__20181231__us-gaap--IncomeStatementLocationAxis__custom--ConvenienceFeeMember_pn3n3" style="text-align: right" title="Other income for the period">1,700</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Recoveries on previously charged-off contracts</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--OtherOperatingIncome_c20200101__20201231__us-gaap--IncomeStatementLocationAxis__custom--RecoveriesMember_pn3n3" style="text-align: right" title="Other income for the period">111</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--OtherOperatingIncome_c20190101__20191231__us-gaap--IncomeStatementLocationAxis__custom--RecoveriesMember_pn3n3" style="text-align: right" title="Other income for the period">158</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--OtherOperatingIncome_c20180101__20181231__us-gaap--IncomeStatementLocationAxis__custom--RecoveriesMember_pn3n3" style="text-align: right" title="Other income for the period">248</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Sales tax refunds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--OtherOperatingIncome_c20200101__20201231__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_pn3n3" style="text-align: right" title="Other income for the period">748</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--OtherOperatingIncome_c20190101__20191231__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_pn3n3" style="text-align: right" title="Other income for the period">1,239</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--OtherOperatingIncome_c20180101__20181231__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_pn3n3" style="text-align: right" title="Other income for the period">887</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--OtherOperatingIncome_c20200101__20201231__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Other income for the period">46</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--OtherOperatingIncome_c20190101__20191231__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_pn3n3" style="border-bottom: Black 1pt solid; padding-left: 10pt; text-align: right" title="Other income for the period">208</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--OtherOperatingIncome_c20180101__20181231__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Other income for the period">814</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Other income for the period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--OtherOperatingIncome_c20200101__20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">5,707</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--OtherOperatingIncome_c20190101__20191231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">8,704</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--OtherOperatingIncome_c20180101__20181231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">9,478</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

3312000

4659000

5829000

1490000

2440000

1700000

111000

158000

248000

748000

1239000

887000

46000

208000

814000

5707000

8704000

9478000

Earnings Per Share Earnings per share were calculated using the weighted average number of shares outstanding for the related period. The following table illustrates the computation of basic and diluted earnings per share: <table cellpadding="0" cellspacing="0" id="xdx_89F_eus-gaap--ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_pn3n3_zeMqBIhFe3Ba" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (1) Summary of Significant Accounting Policies (Details - Earning per share)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left">Schedule of computation of earnings per share</td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20200101__20201231_zSZHjnQ3yr0f" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_499_20190101__20191231_z0f5Xp4HMfR3" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_498_20180101__20181231_zP8U8y9Knwz2" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Year Ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2018</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">(In thousands, except per share data)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left">Numerator:</td><td> </td> <td colspan="2" style="text-align: left"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr id="xdx_406_eus-gaap--NetIncomeLoss_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 55%; text-align: left; padding-bottom: 2.5pt">Numerator for basic and diluted earnings per share</td><td style="width: 2%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 11%; text-align: right">21,677</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 2%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 11%; text-align: right">5,406</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 2%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 11%; text-align: right">14,862</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>Denominator:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Denominator for basic earnings per share</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left"> - weighted average number of common shares outstanding during the year</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--WeightedAverageNumberOfSharesOutstandingBasic_pn3n3_c20200101__20201231_zXuziRvQ0Xt6" style="text-align: right" title="Denominator for basic earnings per share - weighted average number of common shares outstanding during the year">22,611</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--WeightedAverageNumberOfSharesOutstandingBasic_pn3n3_c20190101__20191231_zXi8R6ByBzTd" style="text-align: right" title="Denominator for basic earnings per share - weighted average number of common shares outstanding during the year">22,416</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--WeightedAverageNumberOfSharesOutstandingBasic_pn3n3_c20180101__20181231_zbHQZMTice4i" style="text-align: right" title="Denominator for basic earnings per share - weighted average number of common shares outstanding during the year">21,989</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--IncrementalCommonSharesAttributableToCallOptionsAndWarrants_i_pn3i" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left">Incremental common shares attributable to exercise of outstanding options and warrants</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,392</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,648</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,999</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--WeightedAverageNumberOfDilutedSharesOutstanding_zrqOHfPB3Ix" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Denominator for diluted earnings per share</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">24,003</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">24,064</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">24,988</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--EarningsPerShareBasic_pii_z8zZ1drnJlMa" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt">Basic earnings per share</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.96</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.24</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.68</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--EarningsPerShareDiluted_pii_zx6uFdCEXMlf" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt">Diluted earnings per share</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.90</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.22</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.59</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> Incremental shares of 13.6 million, 11.3 million and 10.3 million related to stock options and warrants have been excluded from the diluted earnings per share calculation for the years ended December 31, 2020, 2019 and 2018, respectively, because the effect is anti-dilutive.

<table cellpadding="0" cellspacing="0" id="xdx_89F_eus-gaap--ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_pn3n3_zeMqBIhFe3Ba" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (1) Summary of Significant Accounting Policies (Details - Earning per share)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left">Schedule of computation of earnings per share</td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20200101__20201231_zSZHjnQ3yr0f" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_499_20190101__20191231_z0f5Xp4HMfR3" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_498_20180101__20181231_zP8U8y9Knwz2" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Year Ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2018</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">(In thousands, except per share data)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left">Numerator:</td><td> </td> <td colspan="2" style="text-align: left"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr id="xdx_406_eus-gaap--NetIncomeLoss_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 55%; text-align: left; padding-bottom: 2.5pt">Numerator for basic and diluted earnings per share</td><td style="width: 2%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 11%; text-align: right">21,677</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 2%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 11%; text-align: right">5,406</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 2%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 11%; text-align: right">14,862</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>Denominator:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Denominator for basic earnings per share</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left"> - weighted average number of common shares outstanding during the year</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--WeightedAverageNumberOfSharesOutstandingBasic_pn3n3_c20200101__20201231_zXuziRvQ0Xt6" style="text-align: right" title="Denominator for basic earnings per share - weighted average number of common shares outstanding during the year">22,611</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--WeightedAverageNumberOfSharesOutstandingBasic_pn3n3_c20190101__20191231_zXi8R6ByBzTd" style="text-align: right" title="Denominator for basic earnings per share - weighted average number of common shares outstanding during the year">22,416</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--WeightedAverageNumberOfSharesOutstandingBasic_pn3n3_c20180101__20181231_zbHQZMTice4i" style="text-align: right" title="Denominator for basic earnings per share - weighted average number of common shares outstanding during the year">21,989</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--IncrementalCommonSharesAttributableToCallOptionsAndWarrants_i_pn3i" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left">Incremental common shares attributable to exercise of outstanding options and warrants</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,392</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,648</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,999</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--WeightedAverageNumberOfDilutedSharesOutstanding_zrqOHfPB3Ix" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Denominator for diluted earnings per share</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">24,003</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">24,064</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">24,988</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--EarningsPerShareBasic_pii_z8zZ1drnJlMa" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt">Basic earnings per share</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.96</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.24</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.68</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--EarningsPerShareDiluted_pii_zx6uFdCEXMlf" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt">Diluted earnings per share</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.90</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.22</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.59</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

21677000

5406000

14862000

22611000

22416000

21989000

1392000

1648000

2999000

24003000

24064000

24988000

0.96

0.24

0.68

0.90

0.22

0.59

13600000

11300000

10300000

Deferral and Amortization of Debt Issuance Costs Costs related to the issuance of debt are deferred and amortized using the interest method over the contractual or expected term of the related debt. Unamortized debt issuance costs are presented as a direct deduction to the carrying amount of the related debt on our Consolidated Balance Sheets.

Income Taxes The Company and its subsidiaries file a consolidated federal income tax return and combined or stand-alone state franchise tax returns for certain states. We utilize the asset and liability method of accounting for income taxes, under which deferred income taxes are recognized for the future tax consequences attributable to the differences between the financial statement values of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred taxes of a change in tax rates is recognized in income in the period that includes the enactment date. We estimate a valuation allowance against that portion of the deferred tax asset whose utilization in future periods is not more than likely.

Purchases of Company Stock We record purchases of our own common stock at cost and treat the shares as retired.

Stock Option Plan The Company accounts for stock-based compensation in accordance with FASB ASC Topic 718, Compensation—Stock Compensation, that generally requires entities to recognize the cost of employee services received in exchange for awards of stock options, restricted stock or other equity instruments, based on the grant date fair value of those awards. Compensation cost is recognized for awards issued to employees based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options. This cost is recognized over the period which an employee is required to provide services in exchange for the award, generally the vesting period.

Use of Estimates The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the financial statements, as well as the reported amounts of income and expenses during the reported periods. These are material estimates that could be susceptible to changes in the near term and, accordingly, actual results could differ from those estimates.

Reclassification Certain amounts for the prior year have been reclassified to conform to the current year’s presentation with no effect on previously reported earnings or shareholders’ equity.

Financial Covenants Certain of our securitization transactions, our residual interest financing and our warehouse credit facilities contain various financial covenants requiring certain minimum financial ratios and results. Such covenants include maintaining minimum levels of liquidity and net worth and not exceeding maximum leverage levels. In addition, certain securitization and non-securitization related debt contain cross-default provisions that would allow certain creditors to declare a default if a default occurred under a different facility. As of December 31, 2020 we were in compliance with all such financial covenants. Provision for Contingent Liabilities We are routinely involved in various legal proceedings resulting from our consumer finance activities and practices, both continuing and discontinued. Our legal counsel has advised us on such matters where, based on information available at the time of this report, there is an indication that it is both probable that a liability has been incurred and the amount of the loss can be reasonably determined. We have recorded a liability as of December 31, 2020, which represents our estimate of the immaterial aggregate probable incurred losses for legal contingencies. The amount of losses that may ultimately be incurred, over and above such losses as are probable, cannot be estimated with certainty.

Recently Issued Accounting Standards In June 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Codification ("ASC")Topic 326, which changes the criteria under which credit losses on financial instruments (such as the Company’s finance receivables) are measured. ASC 326 introduces a new credit reserving model known as the Current Expected Credit Loss (“CECL”) model, which replaces the incurred loss impairment methodology previously used under U.S. GAAP with a methodology that records currently the expected lifetime credit losses on financial instruments. To establish such lifetime credit loss estimates, consideration of a broadened range of reasonable and supportable information to establish credit loss estimates is required. ASC 326 was initially scheduled to become effective for interim and annual reporting periods beginning after December 15, 2019, however on October 16, 2019, the FASB changed the effective date for smaller reporting companies to interim and annual reporting periods beginning after December 15, 2022, with early adoption permitted. Effective January 1, 2020, the Company adopted the CECL model. The adoption of CECL required that we establish an allowance for the remaining expected lifetime credit losses on the portion of the Company’s receivable portfolio for which the Company was not already using fair value accounting. We refer to that portion, which is those receivables that were originated prior to January 2018, as our “legacy portfolio”. To comply with CECL, the Company recorded an addition to its allowance for finance credit losses of $127.0 million. In accordance with the rules for adopting CECL, the offset to the addition to the allowance for finance credit losses was a tax affected reduction to retained earnings using the modified retrospective method, and not a current period expense.

Coronavirus Pandemic In December 2019, a new strain of coronavirus (the “COVID-19 virus”) originated in Wuhan, China. Since its discovery, the COVID-19 virus has spread throughout the world, and the outbreak has been declared to be a pandemic by the World Health Organization. We refer from time to time in this report to the outbreak and spread of the COVID-19 virus as “the pandemic.” Results for the year ended December 31, 2020 include the estimated potential effect on credit performance resulting from the pandemic. We recorded a $14.1 14,113 million charge to the provision for credit losses for the legacy portfolio accounted for under CECL and a $29.5 million mark down to the recorded value of the finance receivables measured at fair value. We measure our portfolio of finance receivables carried at fair value with consideration for unobservable inputs that reflect our own assumptions about the factors that market participants use in pricing similar receivables and are based on the best information available in the circumstances. They include such inputs as estimates for the magnitude and timing of net charge-offs and the rate of amortization of the portfolio. The pandemic and the adverse effect it may have on the U.S. economy and our obligors may cause us to consider significant changes in any of those inputs, which in turn may have a significant effect on our fair value measurement.

14113000

(2) Restricted Cash Restricted cash consists of cash and cash equivalent accounts relating to our outstanding securitization trusts and credit facilities. The amount of restricted cash on our Consolidated Balance Sheets was $130.7 million and $135.5 million as of December 31, 2020 and 2019, respectively. Our securitization transactions and one of our warehouse credit facilities require that we establish cash reserves, or spread accounts, as additional credit enhancement. These cash reserves, which are included in restricted cash, were $<span id="xdx_904_eus-gaap--RestrictedCashAndCashEquivalents_iI_pn5n6_dm_c20201231__us-gaap--RestrictedCashAndCashEquivalentsCashAndCashEquivalentsAxis__custom--SecuritizationTransactionsMember_zaghUsXXZCI1" title="Restricted cash">52.2 million and $<span id="xdx_900_eus-gaap--RestrictedCashAndCashEquivalents_iI_pn5n6_dm_c20191231__us-gaap--RestrictedCashAndCashEquivalentsCashAndCashEquivalentsAxis__custom--SecuritizationTransactionsMember_zCze0xS6LMbe" title="Restricted cash">54.8 million as of December 31, 2020 and 2019, respectively.

52200000000

54800000000

(3) Finance Receivables Our portfolio of finance receivables consists of small-balance homogeneous contracts comprising a single segment and class that is collectively evaluated for impairment on a portfolio basis according to delinquency status. Our contract purchase guidelines are designed to produce a homogenous portfolio. For key terms such as interest rate, length of contract, monthly payment and amount financed, there is relatively little variation from the average for the portfolio. We report delinquency on a contractual basis. Once a contract becomes greater than 90 days delinquent, we do not recognize additional interest income until the obligor under the contract makes sufficient payments to be less than 90 days delinquent. Any payments received on a contract that is greater than 90 days delinquent are first applied to accrued interest and then to principal reduction. In January 2018 the Company adopted the fair value method of accounting for finance receivables acquired after 2017. Finance receivables measured at fair value are recorded separately on the Company’s Balance Sheet and are excluded from all tables in this footnote. The following table presents the components of finance receivables, net of unearned interest: <table cellpadding="0" cellspacing="0" id="xdx_890_eus-gaap--ScheduleOfFinancingReceivablesMinimumPaymentsTableTextBlock_pn3n3_zVX92UColcgg" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (3) Finance Receivables (Details - Components of Finance Receivables)"> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt; text-align: left; padding-bottom: 1pt">Schedule of finance receivables</td> <td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_492_20201231_zDLDrDOKC2r4" style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_493_20191231_zWP757IJH0k" style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_40B_eus-gaap--ProceedsFromSaleAndCollectionOfFinanceReceivablesAbstract_iB" style="vertical-align: bottom"> <td>Finance receivables</td> <td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_402_eus-gaap--LoansAndLeasesReceivableBeforeFeesGross_i01I_pn3n3_maLALRGz46W_zODAjomqI5Ea" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt; width: 64%; text-align: left">Automobile finance receivables, net of unearned interest</td> <td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 14%; text-align: right">491,307</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 14%; text-align: right">895,566</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums_i01I_pn3n3_maLALRGz46W_zeuD5xfy2ska" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt; text-align: left; padding-bottom: 1pt">Unearned acquisition fees, discounts and deferred origination costs, net</td> <td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">826</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,964</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--LoansAndLeasesReceivableGrossCarryingAmount_i01TI_pn3n3_mtLALRGz46W_zaOCq36kztK" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt; text-align: left; padding-bottom: 2.5pt">Finance receivables</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">492,133</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">897,530</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> We consider an automobile contract delinquent when an obligor fails to make at least 90% of a contractually due payment by the following due date, which date may have been extended within limits specified in the servicing agreements. The period of delinquency is based on the number of days payments are contractually past due, as extended where applicable. Automobile contracts less than 31 days delinquent are not reported as delinquent. In certain circumstances we will grant obligors one-month payment extensions. The only modification of terms is to advance the obligor’s next due date by one month and extend the maturity date of the receivable by one month. In certain limited cases, a two-month extension may be granted. There are no other concessions, such as a reduction in interest rate, forgiveness of principal or of accrued interest. Accordingly, we consider such extensions to be insignificant delays in payments rather than troubled debt restructurings. The following table summarizes the delinquency status of finance receivables as of December 31, 2020 and 2019: <table cellpadding="0" cellspacing="0" id="xdx_89A_eus-gaap--ImpairedFinancingReceivablesTableTextBlock_pn3n3_zu5zgyrHzFSi" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; background-color: White; border-collapse: collapse; width: 75%; margin-right: auto" summary="xdx: Disclosure - (3) Finance Receivables (Details - Delinquency status)"> <tr style="vertical-align: bottom; background-color: White"> <td>Schedule of amortized cost basis of finance receivables</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left">Delinquency Status</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 41%">Current</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--FinancingReceivableRecordedInvestmentCurrent_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables1To29DaysPastDueMember_pn3n3" style="width: 13%; text-align: right" title="Finance receivables, current">406,693</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--FinancingReceivableRecordedInvestmentCurrent_c20191231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables1To29DaysPastDueMember_pn3n3" style="width: 13%; text-align: right" title="Finance receivables, current">698,870</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>31 - 60 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableRecordedInvestmentPastDue_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables, past due">56,572</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableRecordedInvestmentPastDue_c20191231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables, past due">107,951</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>61 - 90 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableRecordedInvestmentPastDue_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables, past due">22,660</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableRecordedInvestmentPastDue_c20191231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables, past due">57,395</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">91 + days</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableRecordedInvestmentPastDue_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Finance receivables, past due">5,382</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableRecordedInvestmentPastDue_c20191231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Finance receivables, past due">31,350</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_ecustom--TotalFinanceReceivablesWithDelinquencyStatus_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total finance receivables with delinquency status">491,307</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_ecustom--TotalFinanceReceivablesWithDelinquencyStatus_c20191231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total finance receivables with delinquency status">895,566</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> Finance receivables totaling $5.4 5,400 million and $31.4 31,400 million at December 31, 2020 and 2019, respectively, have been placed on non-accrual status as a result of their delinquency status. Allowance for Credit Losses – Finance Receivables The allowance for credit losses is a valuation account that is deducted from the amortized cost basis of finance receivables to present the net amount expected to be collected. Charge offs are deducted from the allowance when management believes that collectability is unlikely. Management estimates the allowance using relevant available information, from internal and external sources, relating to past events, current conditions and, reasonable and supportable forecasts. We believe our historical credit loss experience provides the best basis for the estimation of expected credit losses. Consequently, we use historical loss experience for older receivables, aggregated into vintage pools based on their calendar quarter of origination, to forecast expected losses for less seasoned quarterly vintage pools. We measure the weighted average monthly incremental change in cumulative net losses for the vintage pools in the relevant historical period. For the pools in the relevant historical period, we consider each pool’s performance from its inception through the end of the current period. We then apply the results of the historical analysis to less seasoned vintage pools beginning with each vintage pool’s most recent actual cumulative net loss experience and extrapolating from that point based on the historical data. We believe the pattern and magnitude of losses on older vintages allows us to establish a reasonable and supportable forecast of less seasoned vintages. Our contract purchase guidelines are designed to produce a homogenous portfolio. For key credit characteristics of individual contracts such as obligor credit history, job stability, residence stability and ability to pay, there is relatively little variation from the average for the portfolio. Similarly, for key structural characteristics such as loan-to-value, length of contract, monthly payment and amount financed, there is relatively little variation from the average for the portfolio. Consequently, we do not believe there are significant differences in risk characteristics between various segments of our portfolio. Our methodology incorporates historical pools that are sufficiently seasoned to capture the magnitude and trends of losses within those vintage pools. Furthermore, the historical period encompasses a substantial volume of receivables over periods that include fluctuations in the competitive landscape, the Company’s rates of growth, size of our managed portfolio and fluctuations in economic growth and unemployment. In consideration of the depth and breadth of the historical period, and the homogeneity of our portfolio, we generally do not adjust historical loss information for differences in risk characteristics such as credit or structural composition of segments of the portfolio or for changes in environmental conditions such as changes in unemployment rates, collateral values or other factors. Throughout our history we have observed how events such as extreme weather, political unrest, and other qualitative factors have influenced the performance of our portfolio. Consequently, we have considered how such qualitative factors may affect future credit losses and have incorporated our judgement of the effect of those factors into our estimates. The following table presents the amortized cost basis of our finance receivables by annual vintage as of December 31, 2020 and 2019: <table cellpadding="0" cellspacing="0" id="xdx_88C_ecustom--ScheduleOfAmortizedCostBasisOfFinanceReceivablesTableTextBlock_pn3n3_zZ6OYLhVbrz7" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; background-color: White; border-collapse: collapse; width: 75%; margin-right: auto" summary="xdx: Disclosure - (3) Finance Receivables (Details - Amortized Cost Basis)"> <tr style="vertical-align: bottom; background-color: White"> <td>Schedule of amortized cost basis of finance receivables</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-decoration: underline; text-align: center">Annual Vintage Pool</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 41%; text-align: left">2012 and prior</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--ServicingAssetAtAmortizedValue_c20201231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2012Member_pn3n3" style="width: 13%; text-align: right" title="Amortized cost basis">608</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--ServicingAssetAtAmortizedValue_c20191231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2012Member_pn3n3" style="width: 13%; text-align: right" title="Amortized cost basis">2,432</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>2013</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ServicingAssetAtAmortizedValue_c20201231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2013Member_pn3n3" style="text-align: right" title="Amortized cost basis">4,483</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ServicingAssetAtAmortizedValue_c20191231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2013Member_pn3n3" style="text-align: right" title="Amortized cost basis">15,489</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2014</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ServicingAssetAtAmortizedValue_c20201231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_pn3n3" style="text-align: right" title="Amortized cost basis">23,115</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ServicingAssetAtAmortizedValue_c20191231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_pn3n3" style="text-align: right" title="Amortized cost basis">61,290</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>2015</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ServicingAssetAtAmortizedValue_c20201231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_pn3n3" style="text-align: right" title="Amortized cost basis">78,457</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ServicingAssetAtAmortizedValue_c20191231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_pn3n3" style="text-align: right" title="Amortized cost basis">162,242</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2016</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ServicingAssetAtAmortizedValue_c20201231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_pn3n3" style="text-align: right" title="Amortized cost basis">163,677</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ServicingAssetAtAmortizedValue_c20191231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_pn3n3" style="text-align: right" title="Amortized cost basis">292,360</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">2017</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--ServicingAssetAtAmortizedValue_c20201231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost basis">220,967</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--ServicingAssetAtAmortizedValue_c20191231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost basis">361,753</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--ServicingAssetAtAmortizedValue_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Amortized cost basis">491,307</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--ServicingAssetAtAmortizedValue_c20191231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Amortized cost basis">895,566</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> At the adoption of CECL, the Company recorded an addition to its allowance for finance credit losses of $127.0 million. In accordance with the rules for adopting CECL, the offset to the addition to the allowance for finance credit losses was a tax affected reduction to retained earnings using the modified retrospective method. In consideration of the uncertainty associated with the pandemic, the Company made additional provisions for credit losses on finance receivables for the year ended December 31, 2020 in the amount of $14.1 million. The following table presents a summary of the activity for the allowance for finance credit losses, for the years ended December 31, 2020, 2019 and 2018: <table cellpadding="0" cellspacing="0" id="xdx_899_eus-gaap--AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_pn3n3_zynJdy8w4l05" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto" summary="xdx: Disclosure - (3) Finance Receivables (Details - Summary of activity)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of allowance for finance credit losses</td><td> </td> <td style="text-align: left"> </td><td id="xdx_49A_20200101__20201231_zVaLvyQrHFo2" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49A_20190101__20191231_z0tfr2hAhJv3" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49F_20180101__20181231_z5kniJTUhPQ" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2018</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="10" style="text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_403_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_z4GcSqdAJH89" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 35%; text-align: left">Balance at beginning of year</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">11,640</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">67,376</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">109,187</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Impact of adopting ASC 326</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--AccountsReceivableChangeInMethodCreditLossExpenseReversal_c20200101__20201231_pn3n3" style="text-align: right" title="Impact of adopting ASC 326">127,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">n/a </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">n/a </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--ProvisionForLoanAndLeaseLosses_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Provision for credit losses on finance receivables</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">14,113</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">85,773</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">133,080</td><td style="text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_iN_pn3n3_di_zbxxoM0h0Tn8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Charge-offs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(90,824</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(184,449</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(220,523</td><td style="text-align: left">)</td></tr> <tr id="xdx_400_eus-gaap--AllowanceForDoubtfulAccountsReceivableRecoveries_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Recoveries</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">18,861</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">42,940</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">45,632</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iE_pn3n3_zGCZaepPdbca" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Balance at end of year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">80,790</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">11,640</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">67,376</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> Excluded from finance receivables are contracts that were previously classified as finance receivables but were reclassified as other assets because we have repossessed the vehicle securing the Contract. The following table presents a summary of such repossessed inventory together with the allowance for losses on repossessed inventory: <table cellpadding="0" cellspacing="0" id="xdx_899_ecustom--AllowanceForLossesOnRepossessedInventoryTableTextBlock_pn3n3_zP1IkjexTLbj" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto" summary="xdx: Disclosure - (3) Finance Receivables (Details - Repossessed inventory)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Schedule of allowance for losses on repossessed inventory</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_49D_20201231_zjnNWMCbiFP5" style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_49D_20191231_zPmUnfTyBcqk" style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_401_eus-gaap--OtherForeclosedAssets_iI_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 46%; text-align: left">Gross balance of repossessions in inventory</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">15,589</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">28,933</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Allowance for losses on repossessed inventory</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--ValuationAllowancesAndReservesAdjustments_c20200101__20201231_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Allowance for losses on repossessed inventory">(11,790</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--ValuationAllowancesAndReservesAdjustments_pn3n3_c20190101__20191231_zACBxC8UkrHj" style="border-bottom: Black 1pt solid; text-align: right" title="Allowance for losses on repossessed inventory">(21,389</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40C_eus-gaap--ForeclosedAssets_iI_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Net repossessed inventory included in other assets</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,799</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,544</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

<table cellpadding="0" cellspacing="0" id="xdx_890_eus-gaap--ScheduleOfFinancingReceivablesMinimumPaymentsTableTextBlock_pn3n3_zVX92UColcgg" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (3) Finance Receivables (Details - Components of Finance Receivables)"> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt; text-align: left; padding-bottom: 1pt">Schedule of finance receivables</td> <td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_492_20201231_zDLDrDOKC2r4" style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_493_20191231_zWP757IJH0k" style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td> <td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_40B_eus-gaap--ProceedsFromSaleAndCollectionOfFinanceReceivablesAbstract_iB" style="vertical-align: bottom"> <td>Finance receivables</td> <td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_402_eus-gaap--LoansAndLeasesReceivableBeforeFeesGross_i01I_pn3n3_maLALRGz46W_zODAjomqI5Ea" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt; width: 64%; text-align: left">Automobile finance receivables, net of unearned interest</td> <td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 14%; text-align: right">491,307</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 14%; text-align: right">895,566</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums_i01I_pn3n3_maLALRGz46W_zeuD5xfy2ska" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt; text-align: left; padding-bottom: 1pt">Unearned acquisition fees, discounts and deferred origination costs, net</td> <td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">826</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,964</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--LoansAndLeasesReceivableGrossCarryingAmount_i01TI_pn3n3_mtLALRGz46W_zaOCq36kztK" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt; text-align: left; padding-bottom: 2.5pt">Finance receivables</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">492,133</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">897,530</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

491307000

895566000

826000

1964000

492133000

897530000

<table cellpadding="0" cellspacing="0" id="xdx_89A_eus-gaap--ImpairedFinancingReceivablesTableTextBlock_pn3n3_zu5zgyrHzFSi" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; background-color: White; border-collapse: collapse; width: 75%; margin-right: auto" summary="xdx: Disclosure - (3) Finance Receivables (Details - Delinquency status)"> <tr style="vertical-align: bottom; background-color: White"> <td>Schedule of amortized cost basis of finance receivables</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left">Delinquency Status</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 41%">Current</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--FinancingReceivableRecordedInvestmentCurrent_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables1To29DaysPastDueMember_pn3n3" style="width: 13%; text-align: right" title="Finance receivables, current">406,693</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--FinancingReceivableRecordedInvestmentCurrent_c20191231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables1To29DaysPastDueMember_pn3n3" style="width: 13%; text-align: right" title="Finance receivables, current">698,870</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>31 - 60 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableRecordedInvestmentPastDue_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables, past due">56,572</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableRecordedInvestmentPastDue_c20191231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables, past due">107,951</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>61 - 90 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableRecordedInvestmentPastDue_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables, past due">22,660</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableRecordedInvestmentPastDue_c20191231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables, past due">57,395</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">91 + days</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableRecordedInvestmentPastDue_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Finance receivables, past due">5,382</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--FinancingReceivableRecordedInvestmentPastDue_c20191231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Finance receivables, past due">31,350</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_ecustom--TotalFinanceReceivablesWithDelinquencyStatus_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total finance receivables with delinquency status">491,307</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_ecustom--TotalFinanceReceivablesWithDelinquencyStatus_c20191231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total finance receivables with delinquency status">895,566</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

406693000

698870000

56572000

107951000

22660000

57395000

5382000

31350000

491307000 895566000

5400000

31400000

<table cellpadding="0" cellspacing="0" id="xdx_88C_ecustom--ScheduleOfAmortizedCostBasisOfFinanceReceivablesTableTextBlock_pn3n3_zZ6OYLhVbrz7" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; background-color: White; border-collapse: collapse; width: 75%; margin-right: auto" summary="xdx: Disclosure - (3) Finance Receivables (Details - Amortized Cost Basis)"> <tr style="vertical-align: bottom; background-color: White"> <td>Schedule of amortized cost basis of finance receivables</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-decoration: underline; text-align: center">Annual Vintage Pool</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 41%; text-align: left">2012 and prior</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--ServicingAssetAtAmortizedValue_c20201231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2012Member_pn3n3" style="width: 13%; text-align: right" title="Amortized cost basis">608</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--ServicingAssetAtAmortizedValue_c20191231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2012Member_pn3n3" style="width: 13%; text-align: right" title="Amortized cost basis">2,432</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>2013</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ServicingAssetAtAmortizedValue_c20201231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2013Member_pn3n3" style="text-align: right" title="Amortized cost basis">4,483</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ServicingAssetAtAmortizedValue_c20191231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2013Member_pn3n3" style="text-align: right" title="Amortized cost basis">15,489</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2014</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ServicingAssetAtAmortizedValue_c20201231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_pn3n3" style="text-align: right" title="Amortized cost basis">23,115</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ServicingAssetAtAmortizedValue_c20191231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2014Member_pn3n3" style="text-align: right" title="Amortized cost basis">61,290</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>2015</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ServicingAssetAtAmortizedValue_c20201231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_pn3n3" style="text-align: right" title="Amortized cost basis">78,457</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ServicingAssetAtAmortizedValue_c20191231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2015Member_pn3n3" style="text-align: right" title="Amortized cost basis">162,242</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2016</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ServicingAssetAtAmortizedValue_c20201231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_pn3n3" style="text-align: right" title="Amortized cost basis">163,677</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ServicingAssetAtAmortizedValue_c20191231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2016Member_pn3n3" style="text-align: right" title="Amortized cost basis">292,360</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">2017</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--ServicingAssetAtAmortizedValue_c20201231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost basis">220,967</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--ServicingAssetAtAmortizedValue_c20191231__us-gaap--FinancingReceivablePortfolioSegmentAxis__custom--VintagePool2017Member_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized cost basis">361,753</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--ServicingAssetAtAmortizedValue_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Amortized cost basis">491,307</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--ServicingAssetAtAmortizedValue_c20191231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Amortized cost basis">895,566</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

608000

2432000

4483000

15489000

23115000

61290000

78457000

162242000

163677000

292360000

220967000

361753000

491307000

895566000

<table cellpadding="0" cellspacing="0" id="xdx_899_eus-gaap--AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_pn3n3_zynJdy8w4l05" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto" summary="xdx: Disclosure - (3) Finance Receivables (Details - Summary of activity)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of allowance for finance credit losses</td><td> </td> <td style="text-align: left"> </td><td id="xdx_49A_20200101__20201231_zVaLvyQrHFo2" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49A_20190101__20191231_z0tfr2hAhJv3" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49F_20180101__20181231_z5kniJTUhPQ" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2018</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="10" style="text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_403_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_z4GcSqdAJH89" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 35%; text-align: left">Balance at beginning of year</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">11,640</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">67,376</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">109,187</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Impact of adopting ASC 326</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--AccountsReceivableChangeInMethodCreditLossExpenseReversal_c20200101__20201231_pn3n3" style="text-align: right" title="Impact of adopting ASC 326">127,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">n/a </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">n/a </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--ProvisionForLoanAndLeaseLosses_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Provision for credit losses on finance receivables</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">14,113</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">85,773</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">133,080</td><td style="text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_iN_pn3n3_di_zbxxoM0h0Tn8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Charge-offs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(90,824</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(184,449</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(220,523</td><td style="text-align: left">)</td></tr> <tr id="xdx_400_eus-gaap--AllowanceForDoubtfulAccountsReceivableRecoveries_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Recoveries</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">18,861</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">42,940</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">45,632</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iE_pn3n3_zGCZaepPdbca" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Balance at end of year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">80,790</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">11,640</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">67,376</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

11640000

67376000

109187000

127000000

14113000

85773000

133080000

90824000

184449000

220523000

18861000

42940000

45632000

80790000

11640000

67376000

<table cellpadding="0" cellspacing="0" id="xdx_899_ecustom--AllowanceForLossesOnRepossessedInventoryTableTextBlock_pn3n3_zP1IkjexTLbj" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto" summary="xdx: Disclosure - (3) Finance Receivables (Details - Repossessed inventory)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Schedule of allowance for losses on repossessed inventory</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_49D_20201231_zjnNWMCbiFP5" style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_49D_20191231_zPmUnfTyBcqk" style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_401_eus-gaap--OtherForeclosedAssets_iI_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 46%; text-align: left">Gross balance of repossessions in inventory</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">15,589</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">28,933</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Allowance for losses on repossessed inventory</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--ValuationAllowancesAndReservesAdjustments_c20200101__20201231_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Allowance for losses on repossessed inventory">(11,790</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--ValuationAllowancesAndReservesAdjustments_pn3n3_c20190101__20191231_zACBxC8UkrHj" style="border-bottom: Black 1pt solid; text-align: right" title="Allowance for losses on repossessed inventory">(21,389</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40C_eus-gaap--ForeclosedAssets_iI_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Net repossessed inventory included in other assets</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,799</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,544</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

15589000

28933000

-11790000

-21389000

3799000

7544000

(4) Furniture and Equipment The following table presents the components of furniture and equipment: <table cellpadding="0" cellspacing="0" id="xdx_886_eus-gaap--PropertyPlantAndEquipmentTextBlock_pn3n3_zPRZs8GjWBd" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 65%; margin-right: auto" summary="xdx: Disclosure - (4) Furniture and Equipment (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of furniture and equipment</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 31%; text-align: left">Furniture and fixtures</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--PropertyPlantAndEquipmentGross_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--FurnitureAndFixturesMember_pn3n3" style="width: 13%; text-align: right" title="Furniture and equipment, gross">1,648</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--PropertyPlantAndEquipmentGross_c20191231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--FurnitureAndFixturesMember_pn3n3" style="width: 13%; text-align: right" title="Furniture and equipment, gross">1,648</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Computer and telephone equipment</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PropertyPlantAndEquipmentGross_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--ComputerEquipmentMember_pn3n3" style="text-align: right" title="Furniture and equipment, gross">4,672</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PropertyPlantAndEquipmentGross_c20191231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--ComputerEquipmentMember_pn3n3" style="text-align: right" title="Furniture and equipment, gross">6,803</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Leasehold improvements</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--PropertyPlantAndEquipmentGross_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LeaseholdImprovementsMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Furniture and equipment, gross">1,507</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--PropertyPlantAndEquipmentGross_c20191231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LeaseholdImprovementsMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Furniture and equipment, gross">1,507</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PropertyPlantAndEquipmentGross_c20201231_pn3n3" style="text-align: right" title="Furniture and equipment, gross">7,827</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PropertyPlantAndEquipmentGross_c20191231_pn3n3" style="text-align: right" title="Furniture and equipment, gross">9,958</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Less: accumulated depreciation and amortization</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_iNI_pn3n3_di_c20201231_zNdR4B46e2wk" style="border-bottom: Black 1pt solid; text-align: right" title="Less: accumulated depreciation and amortization">(6,999</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_iNI_pn3n3_di_c20191231_zMdpliOzoNw5" style="border-bottom: Black 1pt solid; text-align: right" title="Less: accumulated depreciation and amortization">(8,446</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--PropertyPlantAndEquipmentNet_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Furniture and equipment, net">828</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--PropertyPlantAndEquipmentNet_c20191231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Furniture and equipment, net">1,512</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> Depreciation expense totaled $1,784,000, $1,076,000, and $992,000 for the years ended December 31, 2020, 2019 and 2018, respectively. There were $2.2 million in equipment disposals during the year ended December 31, 2020.

<table cellpadding="0" cellspacing="0" id="xdx_886_eus-gaap--PropertyPlantAndEquipmentTextBlock_pn3n3_zPRZs8GjWBd" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 65%; margin-right: auto" summary="xdx: Disclosure - (4) Furniture and Equipment (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of furniture and equipment</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 31%; text-align: left">Furniture and fixtures</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--PropertyPlantAndEquipmentGross_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--FurnitureAndFixturesMember_pn3n3" style="width: 13%; text-align: right" title="Furniture and equipment, gross">1,648</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--PropertyPlantAndEquipmentGross_c20191231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--FurnitureAndFixturesMember_pn3n3" style="width: 13%; text-align: right" title="Furniture and equipment, gross">1,648</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Computer and telephone equipment</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PropertyPlantAndEquipmentGross_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--ComputerEquipmentMember_pn3n3" style="text-align: right" title="Furniture and equipment, gross">4,672</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PropertyPlantAndEquipmentGross_c20191231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--ComputerEquipmentMember_pn3n3" style="text-align: right" title="Furniture and equipment, gross">6,803</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Leasehold improvements</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--PropertyPlantAndEquipmentGross_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LeaseholdImprovementsMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Furniture and equipment, gross">1,507</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--PropertyPlantAndEquipmentGross_c20191231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LeaseholdImprovementsMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Furniture and equipment, gross">1,507</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PropertyPlantAndEquipmentGross_c20201231_pn3n3" style="text-align: right" title="Furniture and equipment, gross">7,827</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PropertyPlantAndEquipmentGross_c20191231_pn3n3" style="text-align: right" title="Furniture and equipment, gross">9,958</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Less: accumulated depreciation and amortization</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_iNI_pn3n3_di_c20201231_zNdR4B46e2wk" style="border-bottom: Black 1pt solid; text-align: right" title="Less: accumulated depreciation and amortization">(6,999</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_iNI_pn3n3_di_c20191231_zMdpliOzoNw5" style="border-bottom: Black 1pt solid; text-align: right" title="Less: accumulated depreciation and amortization">(8,446</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--PropertyPlantAndEquipmentNet_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Furniture and equipment, net">828</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--PropertyPlantAndEquipmentNet_c20191231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Furniture and equipment, net">1,512</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

1648000

4672000

6803000

1507000

7827000

9958000

6999000

8446000

828000

1512000

1784000

1076000

992000

2200000

(5) Securitization Trust Debt We have completed numerous term securitization transactions that are structured as secured borrowings for financial accounting purposes. The debt issued in these transactions is shown on our Consolidated Balance Sheets as “Securitization trust debt,” and the components of such debt are summarized in the following table: <table cellpadding="0" cellspacing="0" id="xdx_89F_eus-gaap--ScheduleOfDebtInstrumentsTextBlock_pn3n3_zZtG1sNLyoQi" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (5) Securitization Trust Debt (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of securitization trust debt</td><td style="text-align: left"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Series</td><td style="text-align: center; padding-bottom: 1pt; font-weight: bold"> </td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Final Scheduled Payment Date (1)</td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Receivables Pledged at December 31, 2020 (2)</td><td style="text-align: center; padding-bottom: 1pt; font-weight: bold"> </td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Initial Principal</td><td style="text-align: center; padding-bottom: 1pt; font-weight: bold"> </td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Outstanding Principal at December 31, 2020</td><td style="text-align: center; padding-bottom: 1pt; font-weight: bold"> </td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Outstanding Principal at December 31, 2019</td><td style="text-align: center; padding-bottom: 1pt; font-weight: bold"> </td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Weighted Average Contractual Interest Rate at December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="17" style="font-weight: bold; text-align: center">(Dollars in thousands)</td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 13%; text-align: left">CPS 2014-C</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td id="xdx_987_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2014CMember_fKDEp_z18dN41YcJ3e" style="text-align: right" title="Final Scheduled Payment Date">December 2021</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_984_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_d0_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2014CMember_fKDIp_zO5yPZlcd6S1" style="width: 13%; text-align: right" title="Receivables Pledged at end of period">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_981_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2014CMember_pn3n3" style="width: 13%; text-align: right" title="Initial Principal">273,000</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2014CMember_z04cSAeTzXnj" style="width: 13%; text-align: right" title="Outstanding Principal">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2014CMember_pn3n3" style="width: 13%; text-align: right" title="Outstanding Principal">19,758</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_987_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2014CMember_pii" style="width: 13%; text-align: right" title="Weighted Average Contractual Interest Rate">0.00%</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">CPS 2014-D</td><td style="text-align: left"> </td><td> </td> <td id="xdx_981_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2014DMember_fKDEp_zREKIRNayuL" style="text-align: right" title="Final Scheduled Payment Date">March 2022</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_d0_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2014DMember_fKDIp_zbMbDwZlqW9e" style="text-align: right" title="Receivables Pledged at end of period">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2014DMember_pn3n3" style="text-align: right" title="Initial Principal">267,500</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2014DMember_zJj2f8Kw51hf" style="text-align: right" title="Outstanding Principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2014DMember_pn3n3" style="text-align: right" title="Outstanding Principal">23,755</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2014DMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">0.00%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">CPS 2015-A</td><td style="text-align: left"> </td><td> </td> <td id="xdx_981_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015AMember_fKDEp_z4ZHUMJIxIo" style="text-align: right" title="Final Scheduled Payment Date">June 2022</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_d0_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015AMember_fKDIp_zHREwgndbxF3" style="text-align: right" title="Receivables Pledged at end of period">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015AMember_pn3n3" style="text-align: right" title="Initial Principal">245,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015AMember_zJnMCTfZXUPc" style="text-align: right" title="Outstanding Principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2015AMember_pn3n3" style="text-align: right" title="Outstanding Principal">26,713</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015AMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">0.00%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">CPS 2015-B</td><td style="text-align: left"> </td><td> </td> <td id="xdx_989_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015BMember_fKDEp_zcunCG9MgEm7" style="text-align: right" title="Final Scheduled Payment Date">September 2022</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015BMember_fKDIp_zzJeIJsbqDH9" style="text-align: right" title="Receivables Pledged at end of period">17,737</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015BMember_pn3n3" style="text-align: right" title="Initial Principal">250,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015BMember_pn3n3" style="text-align: right" title="Outstanding Principal">17,984</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2015BMember_pn3n3" style="text-align: right" title="Outstanding Principal">36,338</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015BMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">6.01%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">CPS 2015-C</td><td style="text-align: left"> </td><td> </td> <td id="xdx_985_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015CMember_fKDEp_zpizRlZ46w65" style="text-align: right" title="Final Scheduled Payment Date">December 2022</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015CMember_fKDIp_zJgE4N96Wcha" style="text-align: right" title="Receivables Pledged at end of period">27,788</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015CMember_pn3n3" style="text-align: right" title="Initial Principal">300,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015CMember_pn3n3" style="text-align: right" title="Outstanding Principal">28,529</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2015CMember_pn3n3" style="text-align: right" title="Outstanding Principal">53,579</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015CMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">6.77%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">CPS 2016-A</td><td style="text-align: left"> </td><td> </td> <td id="xdx_981_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016AMember_fKDEp_zVqSgF5fkU4f" style="text-align: right" title="Final Scheduled Payment Date">March 2023</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016AMember_fKDIp_zQyaQQLoPjRa" style="text-align: right" title="Receivables Pledged at end of period">35,042</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016AMember_pn3n3" style="text-align: right" title="Initial Principal">329,460</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016AMember_pn3n3" style="text-align: right" title="Outstanding Principal">37,158</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2016AMember_pn3n3" style="text-align: right" title="Outstanding Principal">71,599</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016AMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">7.24%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">CPS 2016-B</td><td style="text-align: left"> </td><td> </td> <td id="xdx_987_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016BMember_fKDEp_zgE0xSd5IH46" style="text-align: right" title="Final Scheduled Payment Date">June 2023</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016BMember_fKDIp_zyB4yDlcBnfi" style="text-align: right" title="Receivables Pledged at end of period">45,407</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016BMember_pn3n3" style="text-align: right" title="Initial Principal">332,690</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016BMember_pn3n3" style="text-align: right" title="Outstanding Principal">46,079</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2016BMember_pn3n3" style="text-align: right" title="Outstanding Principal">82,667</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016BMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">7.42%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">CPS 2016-C</td><td style="text-align: left"> </td><td> </td> <td id="xdx_98A_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016CMember_fKDEp_z5RcjtXixHY3" style="text-align: right" title="Final Scheduled Payment Date">September 2023</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016CMember_fKDIp_zENtWcVYbHH4" style="text-align: right" title="Receivables Pledged at end of period">47,358</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016CMember_pn3n3" style="text-align: right" title="Initial Principal">318,500</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016CMember_pn3n3" style="text-align: right" title="Outstanding Principal">47,325</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2016CMember_pn3n3" style="text-align: right" title="Outstanding Principal">83,696</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016CMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">7.53%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">CPS 2016-D</td><td style="text-align: left"> </td><td> </td> <td id="xdx_981_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016DMember_fKDEp_zzn1xflwicI4" style="text-align: right" title="Final Scheduled Payment Date">April 2024</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016DMember_fKDIp_z8T0yvci5o52" style="text-align: right" title="Receivables Pledged at end of period">38,498</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016DMember_pn3n3" style="text-align: right" title="Initial Principal">206,325</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016DMember_pn3n3" style="text-align: right" title="Outstanding Principal">36,455</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2016DMember_pn3n3" style="text-align: right" title="Outstanding Principal">65,021</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016DMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">5.81%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">CPS 2017-A</td><td style="text-align: left"> </td><td> </td> <td id="xdx_987_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017AMember_fKDEp_z7ZwRtxwEWA8" style="text-align: right" title="Final Scheduled Payment Date">April 2024</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017AMember_fKDIp_zo8s1DR5AlMj" style="text-align: right" title="Receivables Pledged at end of period">42,972</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017AMember_pn3n3" style="text-align: right" title="Initial Principal">206,320</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017AMember_pn3n3" style="text-align: right" title="Outstanding Principal">40,619</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2017AMember_pn3n3" style="text-align: right" title="Outstanding Principal">71,450</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017AMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">5.82%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">CPS 2017-B</td><td style="text-align: left"> </td><td> </td> <td id="xdx_988_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017BMember_fKDEp_z0llCoKnNVcl" style="text-align: right" title="Final Scheduled Payment Date">December 2023</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017BMember_fKDIp_zpxNBmHy6Mzl" style="text-align: right" title="Receivables Pledged at end of period">53,753</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017BMember_pn3n3" style="text-align: right" title="Initial Principal">225,170</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017BMember_pn3n3" style="text-align: right" title="Outstanding Principal">39,016</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2017BMember_pn3n3" style="text-align: right" title="Outstanding Principal">76,201</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017BMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">5.00%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">CPS 2017-C</td><td style="text-align: left"> </td><td> </td> <td id="xdx_985_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017CMember_fKDEp_zqwV174Oe1x1" style="text-align: right" title="Final Scheduled Payment Date">September 2024</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017CMember_fKDIp_zHDH7mUy3v36" style="text-align: right" title="Receivables Pledged at end of period">56,048</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017CMember_pn3n3" style="text-align: right" title="Initial Principal">224,825</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017CMember_pn3n3" style="text-align: right" title="Outstanding Principal">47,553</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2017CMember_pn3n3" style="text-align: right" title="Outstanding Principal">80,315</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017CMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">4.82%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">CPS 2017-D</td><td style="text-align: left"> </td><td> </td> <td id="xdx_987_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017DMember_fKDEp_zuRmOz47gVIa" style="text-align: right" title="Final Scheduled Payment Date">June 2024</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017DMember_fKDIp_zo5v0jjT5Bw5" style="text-align: right" title="Receivables Pledged at end of period">57,986</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017DMember_pn3n3" style="text-align: right" title="Initial Principal">196,300</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017DMember_pn3n3" style="text-align: right" title="Outstanding Principal">49,297</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2017DMember_pn3n3" style="text-align: right" title="Outstanding Principal">83,801</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017DMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">4.32%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">CPS 2018-A</td><td style="text-align: left"> </td><td> </td> <td id="xdx_98F_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_fKDEp_z2AVnoQVvzMa" style="text-align: right" title="Final Scheduled Payment Date">March 2025</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_fKDIp_zEEwPzGPFyu1" style="text-align: right" title="Receivables Pledged at end of period">62,902</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_pn3n3" style="text-align: right" title="Initial Principal">190,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_pn3n3" style="text-align: right" title="Outstanding Principal">53,549</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_pn3n3" style="text-align: right" title="Outstanding Principal">91,258</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">4.11%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">CPS 2018-B</td><td style="text-align: left"> </td><td> </td> <td id="xdx_98B_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_fKDEp_z410mmXF01J8" style="text-align: right" title="Final Scheduled Payment Date">December 2024</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_fKDIp_zMnqdHQTNVR9" style="text-align: right" title="Receivables Pledged at end of period">75,400</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_pn3n3" style="text-align: right" title="Initial Principal">201,823</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_pn3n3" style="text-align: right" title="Outstanding Principal">66,955</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_pn3n3" style="text-align: right" title="Outstanding Principal">111,188</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">4.51%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">CPS 2018-C</td><td style="text-align: left"> </td><td> </td> <td id="xdx_98C_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_fKDEp_zuvuEVJrcbN" style="text-align: right" title="Final Scheduled Payment Date">September 2025</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_fKDIp_z2dpfJplTFOa" style="text-align: right" title="Receivables Pledged at end of period">87,223</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_pn3n3" style="text-align: right" title="Initial Principal">230,275</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_pn3n3" style="text-align: right" title="Outstanding Principal">77,345</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_pn3n3" style="text-align: right" title="Outstanding Principal">130,064</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">4.62%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">CPS 2018-D</td><td style="text-align: left"> </td><td> </td> <td id="xdx_98C_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_fKDEp_zUdPxVJFUvU3" style="text-align: right" title="Final Scheduled Payment Date">June 2025</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_fKDIp_zVhk5Agusjv3" style="text-align: right" title="Receivables Pledged at end of period">104,155</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_pn3n3" style="text-align: right" title="Initial Principal">233,730</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_pn3n3" style="text-align: right" title="Outstanding Principal">88,228</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_pn3n3" style="text-align: right" title="Outstanding Principal">149,470</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">4.58%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">CPS 2019-A</td><td style="text-align: left"> </td><td> </td> <td id="xdx_982_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_fKDEp_z2WkRTpo9wBb" style="text-align: right" title="Final Scheduled Payment Date">March 2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_fKDIp_zjovvymPEJXd" style="text-align: right" title="Receivables Pledged at end of period">131,575</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_pn3n3" style="text-align: right" title="Initial Principal">254,400</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_pn3n3" style="text-align: right" title="Outstanding Principal">114,373</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_pn3n3" style="text-align: right" title="Outstanding Principal">186,900</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">4.38%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">CPS 2019-B</td><td style="text-align: left"> </td><td> </td> <td id="xdx_985_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_fKDEp_zbyzjuPW4vu1" style="text-align: right" title="Final Scheduled Payment Date">June 2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_fKDIp_zyZUIFaCbGei" style="text-align: right" title="Receivables Pledged at end of period">128,787</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_pn3n3" style="text-align: right" title="Initial Principal">228,275</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_pn3n3" style="text-align: right" title="Outstanding Principal">118,982</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_pn3n3" style="text-align: right" title="Outstanding Principal">184,308</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">3.95%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">CPS 2019-C</td><td style="text-align: left"> </td><td> </td> <td id="xdx_989_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_fKDEp_z5xUYPc0HnHe" style="text-align: right" title="Final Scheduled Payment Date">September 2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_fKDIp_zJW8hXuXLyk2" style="text-align: right" title="Receivables Pledged at end of period">150,637</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_pn3n3" style="text-align: right" title="Initial Principal">243,513</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_pn3n3" style="text-align: right" title="Outstanding Principal">142,080</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_pn3n3" style="text-align: right" title="Outstanding Principal">216,650</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">3.26%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">CPS 2019-D</td><td style="text-align: left"> </td><td> </td> <td id="xdx_986_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_fKDEp_zQJR4nQeSWXl" style="text-align: right" title="Final Scheduled Payment Date">December 2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_fKDIp_zbFN814UHCVc" style="text-align: right" title="Receivables Pledged at end of period">190,916</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_pn3n3" style="text-align: right" title="Initial Principal">274,313</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_pn3n3" style="text-align: right" title="Outstanding Principal">181,485</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_pn3n3" style="text-align: right" title="Outstanding Principal">265,035</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">2.80%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">CPS 2020-A</td><td style="text-align: left"> </td><td> </td> <td id="xdx_989_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_fKDEp_zMp2Jh0KOc53" style="text-align: right" title="Final Scheduled Payment Date">March 2027</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_fKDIp_zSY0xP5ymtef" style="text-align: right" title="Receivables Pledged at end of period">187,537</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_pn3n3" style="text-align: right" title="Initial Principal">260,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_pn3n3" style="text-align: right" title="Outstanding Principal">184,944</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_zM8HejABX4Sg" style="text-align: right" title="Outstanding Principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">2.80%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">CPS 2020-B</td><td style="text-align: left"> </td><td> </td> <td id="xdx_989_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_fKDEp_zA2v630tmhg4" style="text-align: right" title="Final Scheduled Payment Date">June 2027</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_fKDIp_zpdH8xjXPv18" style="text-align: right" title="Receivables Pledged at end of period">187,597</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_pn3n3" style="text-align: right" title="Initial Principal">202,343</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_pn3n3" style="text-align: right" title="Outstanding Principal">164,403</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_zIu3JiDuz4Th" style="text-align: right" title="Outstanding Principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">3.09%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-align: left">CPS 2020-C</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td id="xdx_985_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_fKDEp_zq90l3TZwIn7" style="text-align: right; padding-bottom: 1pt" title="Final Scheduled Payment Date">November 2027</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_fKDIp_zCOhxNonNrKj" style="border-bottom: Black 1pt solid; text-align: right" title="Receivables Pledged at end of period">243,367</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Initial Principal">252,200</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Outstanding Principal">231,961</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_z8Is7jKLlcEk" style="border-bottom: Black 1pt solid; text-align: right" title="Outstanding Principal">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_980_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_pii" style="padding-bottom: 1pt; text-align: right" title="Weighted Average Contractual Interest Rate">1.67%</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: right; padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231_fKDIp_znBaDbQ2m8Qa" style="border-bottom: Black 2.5pt double; text-align: right" title="Receivables Pledged at end of period">1,972,684</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Initial Principal">5,945,962</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Outstanding Principal">1,814,320</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Outstanding Principal">2,109,766</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> _________________________ <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 18pt"/><td style="width: 13.5pt">(1)</td><td style="text-align: justify">The Final Scheduled Payment Date represents final legal maturity of the securitization trust debt. Securitization trust debt is expected to become due and to be paid prior to those dates, based on amortization of the finance receivables pledged to the Trusts. Expected payments, which will depend on the performance of such receivables, as to which there can be no assurance, are $818.4 million in 2021, $450.9 million in 2022, $350.7 million in 2023, $81.1 million in 2024, $83.7 million in 2025, and $18.7 million in 2026.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 18pt"/><td style="width: 13.5pt">(2)</td><td>Includes repossessed assets that are included in Other Assets on our Consolidated Balance Sheets.</td></tr></table> Debt issuance costs of $10.6 million and $12.0 million as of December 31, 2020 and December 31, 2019, respectively, have been excluded from the table above. These debt issuance costs are presented as a direct deduction to the carrying amount of the Securitization trust debt on our Consolidated Balance Sheets. All of the securitization trust debt was issued in private placement transactions to qualified institutional investors. The debt was issued by our wholly-owned, bankruptcy remote subsidiaries and is secured by the assets of such subsidiaries, but not by any of our other assets. The terms of the various securitization agreements related to the issuance of the securitization trust debt require that certain delinquency and credit loss criteria be met with respect to the collateral pool, and require that we maintain minimum levels of liquidity and net worth and not exceed maximum leverage levels. We were in compliance with all such covenants as of December 31, 2020. We are responsible for the administration and collection of the contracts. The securitization agreements also require certain funds be held in restricted cash accounts to provide additional credit enhancement for the Notes or to be applied to make payments on the securitization trust debt. As of December 31, 2020, restricted cash under the various agreements totaled approximately $130.7 million. Interest expense on the securitization trust debt is composed of the stated rate of interest plus amortization of additional costs of borrowing. Additional costs of borrowing include facility fees, insurance premiums, amortization of deferred financing costs, and amortization of discounts required on the notes at the time of issuance. Deferred financing costs related to the securitization trust debt are amortized using the interest method. Accordingly, the effective cost of borrowing of the securitization trust debt is greater than the stated rate of interest. Our wholly-owned, bankruptcy remote subsidiaries were formed to facilitate the above asset-backed financing transactions. Similar bankruptcy remote subsidiaries issue the debt outstanding under our warehouse line of credit. Bankruptcy remote refers to a legal structure in which it is expected that the applicable entity would not be included in any bankruptcy filing by its parent or affiliates. All of the assets of these subsidiaries have been pledged as collateral for the related debt. All such transactions, treated as secured financings for accounting and tax purposes, are treated as sales for all other purposes, including legal and bankruptcy purposes. None of the assets of these subsidiaries are available to pay any of our other creditors.

<table cellpadding="0" cellspacing="0" id="xdx_89F_eus-gaap--ScheduleOfDebtInstrumentsTextBlock_pn3n3_zZtG1sNLyoQi" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (5) Securitization Trust Debt (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of securitization trust debt</td><td style="text-align: left"> </td><td> </td> <td style="text-align: right"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Series</td><td style="text-align: center; padding-bottom: 1pt; font-weight: bold"> </td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Final Scheduled Payment Date (1)</td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Receivables Pledged at December 31, 2020 (2)</td><td style="text-align: center; padding-bottom: 1pt; font-weight: bold"> </td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Initial Principal</td><td style="text-align: center; padding-bottom: 1pt; font-weight: bold"> </td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Outstanding Principal at December 31, 2020</td><td style="text-align: center; padding-bottom: 1pt; font-weight: bold"> </td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Outstanding Principal at December 31, 2019</td><td style="text-align: center; padding-bottom: 1pt; font-weight: bold"> </td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Weighted Average Contractual Interest Rate at December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="17" style="font-weight: bold; text-align: center">(Dollars in thousands)</td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 13%; text-align: left">CPS 2014-C</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td id="xdx_987_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2014CMember_fKDEp_z18dN41YcJ3e" style="text-align: right" title="Final Scheduled Payment Date">December 2021</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_984_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_d0_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2014CMember_fKDIp_zO5yPZlcd6S1" style="width: 13%; text-align: right" title="Receivables Pledged at end of period">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_981_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2014CMember_pn3n3" style="width: 13%; text-align: right" title="Initial Principal">273,000</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2014CMember_z04cSAeTzXnj" style="width: 13%; text-align: right" title="Outstanding Principal">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2014CMember_pn3n3" style="width: 13%; text-align: right" title="Outstanding Principal">19,758</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_987_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2014CMember_pii" style="width: 13%; text-align: right" title="Weighted Average Contractual Interest Rate">0.00%</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">CPS 2014-D</td><td style="text-align: left"> </td><td> </td> <td id="xdx_981_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2014DMember_fKDEp_zREKIRNayuL" style="text-align: right" title="Final Scheduled Payment Date">March 2022</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_d0_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2014DMember_fKDIp_zbMbDwZlqW9e" style="text-align: right" title="Receivables Pledged at end of period">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2014DMember_pn3n3" style="text-align: right" title="Initial Principal">267,500</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2014DMember_zJj2f8Kw51hf" style="text-align: right" title="Outstanding Principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2014DMember_pn3n3" style="text-align: right" title="Outstanding Principal">23,755</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2014DMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">0.00%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">CPS 2015-A</td><td style="text-align: left"> </td><td> </td> <td id="xdx_981_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015AMember_fKDEp_z4ZHUMJIxIo" style="text-align: right" title="Final Scheduled Payment Date">June 2022</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_d0_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015AMember_fKDIp_zHREwgndbxF3" style="text-align: right" title="Receivables Pledged at end of period">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015AMember_pn3n3" style="text-align: right" title="Initial Principal">245,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015AMember_zJnMCTfZXUPc" style="text-align: right" title="Outstanding Principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2015AMember_pn3n3" style="text-align: right" title="Outstanding Principal">26,713</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015AMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">0.00%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">CPS 2015-B</td><td style="text-align: left"> </td><td> </td> <td id="xdx_989_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015BMember_fKDEp_zcunCG9MgEm7" style="text-align: right" title="Final Scheduled Payment Date">September 2022</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015BMember_fKDIp_zzJeIJsbqDH9" style="text-align: right" title="Receivables Pledged at end of period">17,737</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015BMember_pn3n3" style="text-align: right" title="Initial Principal">250,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015BMember_pn3n3" style="text-align: right" title="Outstanding Principal">17,984</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2015BMember_pn3n3" style="text-align: right" title="Outstanding Principal">36,338</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015BMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">6.01%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">CPS 2015-C</td><td style="text-align: left"> </td><td> </td> <td id="xdx_985_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015CMember_fKDEp_zpizRlZ46w65" style="text-align: right" title="Final Scheduled Payment Date">December 2022</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015CMember_fKDIp_zJgE4N96Wcha" style="text-align: right" title="Receivables Pledged at end of period">27,788</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015CMember_pn3n3" style="text-align: right" title="Initial Principal">300,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015CMember_pn3n3" style="text-align: right" title="Outstanding Principal">28,529</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2015CMember_pn3n3" style="text-align: right" title="Outstanding Principal">53,579</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2015CMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">6.77%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">CPS 2016-A</td><td style="text-align: left"> </td><td> </td> <td id="xdx_981_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016AMember_fKDEp_zVqSgF5fkU4f" style="text-align: right" title="Final Scheduled Payment Date">March 2023</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016AMember_fKDIp_zQyaQQLoPjRa" style="text-align: right" title="Receivables Pledged at end of period">35,042</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016AMember_pn3n3" style="text-align: right" title="Initial Principal">329,460</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016AMember_pn3n3" style="text-align: right" title="Outstanding Principal">37,158</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2016AMember_pn3n3" style="text-align: right" title="Outstanding Principal">71,599</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016AMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">7.24%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">CPS 2016-B</td><td style="text-align: left"> </td><td> </td> <td id="xdx_987_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016BMember_fKDEp_zgE0xSd5IH46" style="text-align: right" title="Final Scheduled Payment Date">June 2023</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016BMember_fKDIp_zyB4yDlcBnfi" style="text-align: right" title="Receivables Pledged at end of period">45,407</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016BMember_pn3n3" style="text-align: right" title="Initial Principal">332,690</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016BMember_pn3n3" style="text-align: right" title="Outstanding Principal">46,079</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2016BMember_pn3n3" style="text-align: right" title="Outstanding Principal">82,667</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016BMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">7.42%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">CPS 2016-C</td><td style="text-align: left"> </td><td> </td> <td id="xdx_98A_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016CMember_fKDEp_z5RcjtXixHY3" style="text-align: right" title="Final Scheduled Payment Date">September 2023</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016CMember_fKDIp_zENtWcVYbHH4" style="text-align: right" title="Receivables Pledged at end of period">47,358</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016CMember_pn3n3" style="text-align: right" title="Initial Principal">318,500</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016CMember_pn3n3" style="text-align: right" title="Outstanding Principal">47,325</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2016CMember_pn3n3" style="text-align: right" title="Outstanding Principal">83,696</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016CMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">7.53%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">CPS 2016-D</td><td style="text-align: left"> </td><td> </td> <td id="xdx_981_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016DMember_fKDEp_zzn1xflwicI4" style="text-align: right" title="Final Scheduled Payment Date">April 2024</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016DMember_fKDIp_z8T0yvci5o52" style="text-align: right" title="Receivables Pledged at end of period">38,498</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016DMember_pn3n3" style="text-align: right" title="Initial Principal">206,325</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016DMember_pn3n3" style="text-align: right" title="Outstanding Principal">36,455</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2016DMember_pn3n3" style="text-align: right" title="Outstanding Principal">65,021</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2016DMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">5.81%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">CPS 2017-A</td><td style="text-align: left"> </td><td> </td> <td id="xdx_987_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017AMember_fKDEp_z7ZwRtxwEWA8" style="text-align: right" title="Final Scheduled Payment Date">April 2024</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017AMember_fKDIp_zo8s1DR5AlMj" style="text-align: right" title="Receivables Pledged at end of period">42,972</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017AMember_pn3n3" style="text-align: right" title="Initial Principal">206,320</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017AMember_pn3n3" style="text-align: right" title="Outstanding Principal">40,619</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2017AMember_pn3n3" style="text-align: right" title="Outstanding Principal">71,450</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017AMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">5.82%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">CPS 2017-B</td><td style="text-align: left"> </td><td> </td> <td id="xdx_988_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017BMember_fKDEp_z0llCoKnNVcl" style="text-align: right" title="Final Scheduled Payment Date">December 2023</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017BMember_fKDIp_zpxNBmHy6Mzl" style="text-align: right" title="Receivables Pledged at end of period">53,753</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017BMember_pn3n3" style="text-align: right" title="Initial Principal">225,170</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017BMember_pn3n3" style="text-align: right" title="Outstanding Principal">39,016</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2017BMember_pn3n3" style="text-align: right" title="Outstanding Principal">76,201</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017BMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">5.00%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">CPS 2017-C</td><td style="text-align: left"> </td><td> </td> <td id="xdx_985_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017CMember_fKDEp_zqwV174Oe1x1" style="text-align: right" title="Final Scheduled Payment Date">September 2024</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017CMember_fKDIp_zHDH7mUy3v36" style="text-align: right" title="Receivables Pledged at end of period">56,048</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017CMember_pn3n3" style="text-align: right" title="Initial Principal">224,825</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017CMember_pn3n3" style="text-align: right" title="Outstanding Principal">47,553</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2017CMember_pn3n3" style="text-align: right" title="Outstanding Principal">80,315</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017CMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">4.82%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">CPS 2017-D</td><td style="text-align: left"> </td><td> </td> <td id="xdx_987_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017DMember_fKDEp_zuRmOz47gVIa" style="text-align: right" title="Final Scheduled Payment Date">June 2024</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017DMember_fKDIp_zo5v0jjT5Bw5" style="text-align: right" title="Receivables Pledged at end of period">57,986</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017DMember_pn3n3" style="text-align: right" title="Initial Principal">196,300</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017DMember_pn3n3" style="text-align: right" title="Outstanding Principal">49,297</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2017DMember_pn3n3" style="text-align: right" title="Outstanding Principal">83,801</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2017DMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">4.32%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">CPS 2018-A</td><td style="text-align: left"> </td><td> </td> <td id="xdx_98F_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_fKDEp_z2AVnoQVvzMa" style="text-align: right" title="Final Scheduled Payment Date">March 2025</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_fKDIp_zEEwPzGPFyu1" style="text-align: right" title="Receivables Pledged at end of period">62,902</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_pn3n3" style="text-align: right" title="Initial Principal">190,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_pn3n3" style="text-align: right" title="Outstanding Principal">53,549</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_pn3n3" style="text-align: right" title="Outstanding Principal">91,258</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">4.11%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">CPS 2018-B</td><td style="text-align: left"> </td><td> </td> <td id="xdx_98B_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_fKDEp_z410mmXF01J8" style="text-align: right" title="Final Scheduled Payment Date">December 2024</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_fKDIp_zMnqdHQTNVR9" style="text-align: right" title="Receivables Pledged at end of period">75,400</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_pn3n3" style="text-align: right" title="Initial Principal">201,823</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_pn3n3" style="text-align: right" title="Outstanding Principal">66,955</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_pn3n3" style="text-align: right" title="Outstanding Principal">111,188</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">4.51%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">CPS 2018-C</td><td style="text-align: left"> </td><td> </td> <td id="xdx_98C_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_fKDEp_zuvuEVJrcbN" style="text-align: right" title="Final Scheduled Payment Date">September 2025</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_fKDIp_z2dpfJplTFOa" style="text-align: right" title="Receivables Pledged at end of period">87,223</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_pn3n3" style="text-align: right" title="Initial Principal">230,275</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_pn3n3" style="text-align: right" title="Outstanding Principal">77,345</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_pn3n3" style="text-align: right" title="Outstanding Principal">130,064</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">4.62%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">CPS 2018-D</td><td style="text-align: left"> </td><td> </td> <td id="xdx_98C_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_fKDEp_zUdPxVJFUvU3" style="text-align: right" title="Final Scheduled Payment Date">June 2025</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_fKDIp_zVhk5Agusjv3" style="text-align: right" title="Receivables Pledged at end of period">104,155</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_pn3n3" style="text-align: right" title="Initial Principal">233,730</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_pn3n3" style="text-align: right" title="Outstanding Principal">88,228</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_pn3n3" style="text-align: right" title="Outstanding Principal">149,470</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">4.58%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">CPS 2019-A</td><td style="text-align: left"> </td><td> </td> <td id="xdx_982_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_fKDEp_z2WkRTpo9wBb" style="text-align: right" title="Final Scheduled Payment Date">March 2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_fKDIp_zjovvymPEJXd" style="text-align: right" title="Receivables Pledged at end of period">131,575</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_pn3n3" style="text-align: right" title="Initial Principal">254,400</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_pn3n3" style="text-align: right" title="Outstanding Principal">114,373</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_pn3n3" style="text-align: right" title="Outstanding Principal">186,900</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">4.38%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">CPS 2019-B</td><td style="text-align: left"> </td><td> </td> <td id="xdx_985_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_fKDEp_zbyzjuPW4vu1" style="text-align: right" title="Final Scheduled Payment Date">June 2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_fKDIp_zyZUIFaCbGei" style="text-align: right" title="Receivables Pledged at end of period">128,787</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_pn3n3" style="text-align: right" title="Initial Principal">228,275</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_pn3n3" style="text-align: right" title="Outstanding Principal">118,982</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_pn3n3" style="text-align: right" title="Outstanding Principal">184,308</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">3.95%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">CPS 2019-C</td><td style="text-align: left"> </td><td> </td> <td id="xdx_989_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_fKDEp_z5xUYPc0HnHe" style="text-align: right" title="Final Scheduled Payment Date">September 2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_fKDIp_zJW8hXuXLyk2" style="text-align: right" title="Receivables Pledged at end of period">150,637</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_pn3n3" style="text-align: right" title="Initial Principal">243,513</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_pn3n3" style="text-align: right" title="Outstanding Principal">142,080</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_pn3n3" style="text-align: right" title="Outstanding Principal">216,650</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">3.26%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">CPS 2019-D</td><td style="text-align: left"> </td><td> </td> <td id="xdx_986_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_fKDEp_zQJR4nQeSWXl" style="text-align: right" title="Final Scheduled Payment Date">December 2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_fKDIp_zbFN814UHCVc" style="text-align: right" title="Receivables Pledged at end of period">190,916</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_pn3n3" style="text-align: right" title="Initial Principal">274,313</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_pn3n3" style="text-align: right" title="Outstanding Principal">181,485</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_pn3n3" style="text-align: right" title="Outstanding Principal">265,035</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">2.80%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">CPS 2020-A</td><td style="text-align: left"> </td><td> </td> <td id="xdx_989_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_fKDEp_zMp2Jh0KOc53" style="text-align: right" title="Final Scheduled Payment Date">March 2027</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_fKDIp_zSY0xP5ymtef" style="text-align: right" title="Receivables Pledged at end of period">187,537</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_pn3n3" style="text-align: right" title="Initial Principal">260,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_pn3n3" style="text-align: right" title="Outstanding Principal">184,944</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_zM8HejABX4Sg" style="text-align: right" title="Outstanding Principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">2.80%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">CPS 2020-B</td><td style="text-align: left"> </td><td> </td> <td id="xdx_989_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_fKDEp_zA2v630tmhg4" style="text-align: right" title="Final Scheduled Payment Date">June 2027</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_fKDIp_zpdH8xjXPv18" style="text-align: right" title="Receivables Pledged at end of period">187,597</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_pn3n3" style="text-align: right" title="Initial Principal">202,343</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_pn3n3" style="text-align: right" title="Outstanding Principal">164,403</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_zIu3JiDuz4Th" style="text-align: right" title="Outstanding Principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_pii" style="text-align: right" title="Weighted Average Contractual Interest Rate">3.09%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-align: left">CPS 2020-C</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td id="xdx_985_ecustom--FinalScheduledPaymentDate_c20200101__20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_fKDEp_zq90l3TZwIn7" style="text-align: right; padding-bottom: 1pt" title="Final Scheduled Payment Date">November 2027</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_fKDIp_zCOhxNonNrKj" style="border-bottom: Black 1pt solid; text-align: right" title="Receivables Pledged at end of period">243,367</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Initial Principal">252,200</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Outstanding Principal">231,961</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20191231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_z8Is7jKLlcEk" style="border-bottom: Black 1pt solid; text-align: right" title="Outstanding Principal">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_980_eus-gaap--DebtWeightedAverageInterestRate_c20201231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_pii" style="padding-bottom: 1pt; text-align: right" title="Weighted Average Contractual Interest Rate">1.67%</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: right; padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--PledgedAssetsSeparatelyReportedFinanceReceivablesPledgedAsCollateralAtFairValue_iI_pn3n3_c20201231_fKDIp_znBaDbQ2m8Qa" style="border-bottom: Black 2.5pt double; text-align: right" title="Receivables Pledged at end of period">1,972,684</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_ecustom--SecuritizationTrustDebtInitialPrincipal_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Initial Principal">5,945,962</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Outstanding Principal">1,814,320</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20191231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Outstanding Principal">2,109,766</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt; text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> _________________________ <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 18pt"/><td style="width: 13.5pt">(1)</td><td style="text-align: justify">The Final Scheduled Payment Date represents final legal maturity of the securitization trust debt. Securitization trust debt is expected to become due and to be paid prior to those dates, based on amortization of the finance receivables pledged to the Trusts. Expected payments, which will depend on the performance of such receivables, as to which there can be no assurance, are $818.4 million in 2021, $450.9 million in 2022, $350.7 million in 2023, $81.1 million in 2024, $83.7 million in 2025, and $18.7 million in 2026.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 18pt"/><td style="width: 13.5pt">(2)</td><td>Includes repossessed assets that are included in Other Assets on our Consolidated Balance Sheets.</td></tr></table>

December 2021

273000000

19758000

0.0000

March 2022

267500000

23755000

0.0000

June 2022

245000000

26713000

0.0000

September 2022

17737000

250000000

17984000

36338000

0.0601

December 2022

27788000

300000000

28529000

53579000

0.0677

March 2023

35042000

329460000

37158000

71599000

0.0724

June 2023

45407000

332690000

46079000

82667000

0.0742

September 2023

47358000

318500000

47325000

83696000

0.0753

April 2024

38498000

206325000

36455000

65021000

0.0581

April 2024

42972000

206320000

40619000

71450000

0.0582

December 2023

53753000

225170000

39016000

76201000

0.0500

September 2024

56048000

224825000

47553000

80315000

0.0482

June 2024

57986000

196300000

49297000

83801000

0.0432

March 2025

62902000

190000000

53549000

91258000

0.0411

December 2024

75400000

201823000

66955000

111188000

0.0451

September 2025

87223000

230275000

77345000

130064000

0.0462

June 2025

104155000

233730000

88228000

149470000

0.0458

March 2026

131575000

254400000

114373000

186900000

0.0438

June 2026

128787000

228275000

118982000

184308000

0.0395

September 2026

150637000

243513000

142080000

216650000

0.0326

December 2026

190916000

274313000

181485000

265035000

0.0280

March 2027

187537000

260000000

184944000

0.0280

June 2027

187597000

202343000

164403000

0.0309

November 2027

243367000

252200000

231961000

0.0167

1972684000

5945962000

1814320000

2109766000

818400000 450900000 350700000 81100000 83700000 18700000

10600000

12000000.0

13070000

(6) Debt The terms of our debt outstanding at December 31, 2020 and 2019 are summarized below: <table cellpadding="0" cellspacing="0" id="xdx_898_eus-gaap--ScheduleOfDebtTableTextBlock_pn3n3_z5le3hAs8uql" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (6) Debt (Details - Debt outstanding)"> <tr style="vertical-align: bottom; background-color: White"> <td>Schedule of debt outstanding</td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td style="vertical-align: middle; text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Amount Outstanding at</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="text-align: center"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="text-align: center"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; text-align: center">Description</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center">Interest Rate</td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center">Maturity</td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="vertical-align: middle; width: 20%; text-align: left">Warehouse lines of credit</td><td style="width: 2%"> </td> <td id="xdx_98B_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20200101__20201231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member" style="vertical-align: middle; width: 20%; text-align: center" title="Interest rate">5.50% over one month Libor (Minimum 6.50%)</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: center"> </td><td id="xdx_982_eus-gaap--DebtInstrumentMaturityDateDescription_c20200101__20201231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member" style="vertical-align: middle; width: 20%; text-align: center" title="Maturity date description">February 2021</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="vertical-align: middle; width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--WarehouseAgreementBorrowings_c20201231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_pn3n3" style="vertical-align: middle; width: 13%; text-align: right" title="Warehouse lines of credit">42,558</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="vertical-align: middle; width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--WarehouseAgreementBorrowings_c20191231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_pn3n3" style="vertical-align: middle; width: 13%; text-align: right" title="Warehouse lines of credit">40,558</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td id="xdx_988_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20200101__20201231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member" style="vertical-align: middle; text-align: center" title="Interest rate">3.00% over one month Libor (Minimum 3.75%)</td><td> </td> <td style="text-align: center"> </td><td id="xdx_981_eus-gaap--DebtInstrumentMaturityDateDescription_c20200101__20201231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member" style="vertical-align: middle; text-align: center" title="Maturity date description">December 2022</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--WarehouseAgreementBorrowings_c20201231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_pn3n3" style="vertical-align: middle; text-align: right" title="Warehouse lines of credit">45,689</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--WarehouseAgreementBorrowings_c20191231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_pn3n3" style="vertical-align: middle; text-align: right" title="Warehouse lines of credit">96,225</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td style="vertical-align: middle; text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td id="xdx_989_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20200101__20201231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit3Member" style="vertical-align: middle; text-align: center" title="Interest rate">4.00% over a commercial paper rate (Minimum 5.00%)</td><td> </td> <td style="text-align: center"> </td><td id="xdx_980_eus-gaap--DebtInstrumentMaturityDateDescription_c20200101__20201231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit3Member" style="vertical-align: middle; text-align: center" title="Maturity date description">December 2021</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--WarehouseAgreementBorrowings_c20201231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit3Member_pn3n3" style="vertical-align: middle; text-align: right" title="Warehouse lines of credit">32,265</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_d0_c20191231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit3Member_zivTWBw2CBpb" style="vertical-align: middle; text-align: right" title="Warehouse lines of credit">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Residual interest financing</td><td> </td> <td id="xdx_98C_eus-gaap--DebtInstrumentInterestRateDuringPeriod_c20200101__20201231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_pii" style="vertical-align: middle; text-align: center" title="Interest rate">8.60%</td><td> </td> <td style="text-align: center"> </td><td id="xdx_986_eus-gaap--DebtInstrumentMaturityDateDescription_c20200101__20201231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember" style="vertical-align: middle; text-align: center" title="Maturity date description">January 2026</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--ResidualInterestFinancing_c20201231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_pn3n3" style="vertical-align: middle; text-align: right" title="Residual interest financing">25,576</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--ResidualInterestFinancing_c20191231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_pn3n3" style="vertical-align: middle; text-align: right" title="Residual interest financing">40,000</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="vertical-align: middle; text-align: left">Subordinated renewable notes</td><td> </td> <td id="xdx_987_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20200101__20201231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember" style="vertical-align: middle; text-align: center" title="Interest rate">Weighted average rate of 10.09% and 9.75% at December 31, 2020 and December 31, 2019, respectively</td><td> </td> <td style="text-align: center"> </td><td id="xdx_98F_eus-gaap--DebtInstrumentMaturityDateDescription_c20200101__20201231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember" style="vertical-align: middle; text-align: center" title="Maturity date description">Weighted average maturity of January 2023 and April 2022 at December 31, 2020 and December 31, 2019, respectively</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--SubordinatedDebt_c20201231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_pn3n3" style="vertical-align: middle; text-align: right" title="Subordinated renewable notes">21,323</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--SubordinatedDebt_c20191231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_pn3n3" style="vertical-align: middle; text-align: right" title="Subordinated renewable notes">17,534</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: center"> </td><td style="padding-bottom: 1pt; text-align: center"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: center"> </td><td style="padding-bottom: 2.5pt; text-align: center"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; vertical-align: middle; text-align: left">$</td><td id="xdx_988_eus-gaap--DebtLongtermAndShorttermCombinedAmount_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total debt outstanding">167,411</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--DebtLongtermAndShorttermCombinedAmount_c20191231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total debt outstanding">194,317</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> Debt issuance costs of $1.5 million and $2.0 million as of December 31, 2020 and December 31, 2019, respectively, have been excluded from the table above. These debt issuance costs are presented as a direct deduction to the carrying amount of the Warehouse lines of credit and residual interest financing on our Consolidated Balance Sheets. On May 11, 2012, we entered into a $<span id="xdx_904_eus-gaap--LineOfCreditFacilityMaximumBorrowingCapacity_iI_pn3n3_dm_c20120511__us-gaap--CreditFacilityAxis__custom--WarehouseCreditFacilityMember__us-gaap--LineOfCreditFacilityAxis__custom--CitibankMember_zeC6QHFJJ802" title="Credit line maximum">100 million one-year warehouse credit line with Citibank, N.A. The facility is structured to allow us to fund a portion of the purchase price of automobile contracts by borrowing from a credit facility to our consolidated subsidiary Page Eight Funding, LLC. The facility provides for effective advances up to 83.0% of eligible finance receivables. The loans under the facility accrue interest at one-month LIBOR plus 3.00% per annum, with a minimum rate of 3.75% per annum. In December 2020, this facility was amended to extend the revolving period to December 2022 and to include an amortization period through December 2023 for any receivables pledged to the facility at the end of the revolving period. At December 31, 2020 there was $<span id="xdx_90D_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_dm_c20201231__us-gaap--CreditFacilityAxis__custom--WarehouseCreditFacilityMember__us-gaap--LineOfCreditFacilityAxis__custom--CitibankMember_z4epZ2YONqbj" title="Warehouse lines of credit amount outstanding">45.7 million outstanding under this facility. On April 17, 2015, we entered into an additional $<span id="xdx_907_eus-gaap--LineOfCreditFacilityMaximumBorrowingCapacity_iI_pn3n3_dm_c20150417__us-gaap--CreditFacilityAxis__custom--WarehouseCreditFacilityMember__us-gaap--LineOfCreditFacilityAxis__custom--FortressInvestmentGroupMember_zMFOCYZnnkn7">100 million one-year warehouse credit line with Fortress Investment Group. The facility is structured to allow us to fund a portion of the purchase price of automobile contracts by borrowing from a credit facility to our consolidated subsidiary Page Six Funding, LLC. The facility provides for effective advances up to 88.0% of eligible finance receivables. The loans under the facility accrue interest at one-month LIBOR plus 5.50% per annum, with a minimum rate of 6.50% per annum. In February 2019, this facility was amended to extend the revolving period to February 2021 followed by an amortization period through February 2023 for any receivables pledged to the facility at the end of the revolving period. At December 31, 2020 there was $<span id="xdx_90E_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_dm_c20201231__us-gaap--CreditFacilityAxis__custom--WarehouseCreditFacilityMember__us-gaap--LineOfCreditFacilityAxis__custom--FortressInvestmentGroupMember_z7jzHSbBXyn2" title="Warehouse lines of credit amount outstanding">42.6 million outstanding under this facility. In February 2021, we repaid this facility in full at its maturity date. On November 24, 2015, we entered into an additional $<span id="xdx_908_eus-gaap--LineOfCreditFacilityMaximumBorrowingCapacity_iI_pn3n3_dm_c20151124__us-gaap--CreditFacilityAxis__custom--WarehouseCreditFacilityMember__us-gaap--LineOfCreditFacilityAxis__custom--CreditSuisseMember_zhC19gpiIGU8" title="Credit line maximum">100 million one-year warehouse credit line with affiliates of Credit Suisse Group and Ares Management LP. The facility is structured to allow us to fund a portion of the purchase price of automobile contracts by borrowing from a credit facility to our consolidated subsidiary Page Nine Funding, LLC. The facility provides for effective advances up to 88.0% of eligible finance receivables. The loans under the facility accrue interest at a commercial paper rate plus 4.00% per annum, with a minimum rate of 5.00% per annum. In December 2019, this facility was amended to extend the revolving period to December 2021 followed by an amortization period through December 2023 for any receivables pledged to the facility at the end of the revolving period. At December 31, 2020 there was $<span id="xdx_901_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_dm_c20201231__us-gaap--CreditFacilityAxis__custom--WarehouseCreditFacilityMember__us-gaap--LineOfCreditFacilityAxis__custom--CreditSuisseMember_zjco5McwyM45" title="Warehouse lines of credit amount outstanding">32.3 million outstanding under this facility. The total outstanding debt on our three warehouse lines of credit was $<span id="xdx_904_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_dm_c20201231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit4Member_zOz87IKz9hb4" title="Warehouse lines of credit amount outstanding">120.6 million as of December 31, 2020, compared to $<span id="xdx_900_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_dm_c20191231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit4Member_zJ8g9t1s4xoj" title="Warehouse lines of credit amount outstanding">136.8 million outstanding as of December 31, 2019. On May 16, 2018, we completed a $<span id="xdx_90C_ecustom--ProceedsFromResidualInterestFinancings_pn3n3_dm_c20180101__20180516__us-gaap--SecuritiesFinancingTransactionAxis__custom--ResidualInterestFinancingsMember_z9DS97a4hZ38" title="Proceeds from residual interest financings">40.0 million securitization of residual interests from previously issued securitizations. In this residual interest financing transaction, qualified institutional buyers purchased $40.0 million of asset-backed notes secured by residual interests in thirteen CPS securitizations consecutively conducted from September 2013 through December 2016, and an 80% interest in a CPS affiliate that owns the residual interests in the four CPS securitizations conducted in 2017. The sold notes (“2018-1 Notes”), issued by CPS Auto Securitization Trust 2018-1, consist of a single class with a coupon of 8.595%. The agreed valuation of the collateral for the 2018-1 Notes is the sum of the amounts on deposit in the underlying spread accounts for each related securitization and the over-collateralization of each related securitization, which is the difference between the outstanding principal balances of the related receivables less the principal balance of the outstanding notes issued in the related securitization. With respect to the securitizations conducted by CPS in 2017, only 80% of such amounts are included in the collateral. On each monthly payment date, the 2018-1 Notes are entitled to interest at the coupon rate and, if necessary, a principal payment necessary to maintain a specified minimum collateral ratio. At December 31, 2020 there was $25.6 million outstanding under this facility. Unamortized debt issuance costs of $<span id="xdx_90B_eus-gaap--DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_iI_pn3p0_c20201231__us-gaap--SecuritiesFinancingTransactionAxis__custom--ResidualInterestFinancingsMember_zttlXW0EoVIk" title="Unamortized debt issuance costs">150,000 have been excluded from the amount reported above for residual interest financing. These debt issuance costs are presented as a direct deduction to the carrying amount of the debt on our Consolidated Balance Sheets. We must comply with certain affirmative and negative covenants related to debt facilities, which require, among other things, that we maintain certain financial ratios related to liquidity, net worth and capitalization. Further covenants include matters relating to investments, acquisitions, restricted payments and certain dividend restrictions. See the discussion of financial covenants in Note 1. The following table summarizes the contractual and expected maturity amounts of long term debt as of December 31, 2020: <table cellpadding="0" cellspacing="0" id="xdx_896_eus-gaap--ScheduleOfMaturitiesOfLongTermDebtTableTextBlock_pn3n3_zCna6h2D5gU3" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; background-color: White; border-collapse: collapse; width: 40%; margin-right: auto" summary="xdx: Disclosure - (6) Debt (Details - Debt maturity schedule)"> <tr style="vertical-align: bottom; background-color: White"> <td>Schedule of expected maturity amounts for long-term debt</td><td> </td> <td style="text-align: left"> </td><td id="xdx_492_20201231__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zwkCxfXPh0J3" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Subordinated</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center">Contractual maturity</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">renewable</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">date</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">notes</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_iI_pn3n3_maLTDzkDB_z1BC4aH8NfTk" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 23%">2021</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">9,506</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_iI_pn3n3_maLTDzkDB_zHp6eANS7tg6" style="vertical-align: bottom; background-color: White"> <td>2022</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,350</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_iI_pn3n3_maLTDzkDB_zYmYUSmVh5Df" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2023</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,331</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_iI_pn3n3_maLTDzkDB_z64dDGg5JzK1" style="vertical-align: bottom; background-color: White"> <td>2024</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,162</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_iI_pn3n3_maLTDzkDB_zpTk9VgGhxLe" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2025</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,322</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_iI_pn3n3_maLTDzkDB_zJTCDT6tFeHk" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Thereafter</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,652</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--LongTermDebt_iTI_pn3n3_mtLTDzkDB_zsXMiJsZ5gU" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">21,323</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

<table cellpadding="0" cellspacing="0" id="xdx_898_eus-gaap--ScheduleOfDebtTableTextBlock_pn3n3_z5le3hAs8uql" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (6) Debt (Details - Debt outstanding)"> <tr style="vertical-align: bottom; background-color: White"> <td>Schedule of debt outstanding</td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td style="vertical-align: middle; text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Amount Outstanding at</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="text-align: center"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="text-align: center"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; text-align: center">Description</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: center">Interest Rate</td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center">Maturity</td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="vertical-align: middle; width: 20%; text-align: left">Warehouse lines of credit</td><td style="width: 2%"> </td> <td id="xdx_98B_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20200101__20201231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member" style="vertical-align: middle; width: 20%; text-align: center" title="Interest rate">5.50% over one month Libor (Minimum 6.50%)</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: center"> </td><td id="xdx_982_eus-gaap--DebtInstrumentMaturityDateDescription_c20200101__20201231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member" style="vertical-align: middle; width: 20%; text-align: center" title="Maturity date description">February 2021</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="vertical-align: middle; width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--WarehouseAgreementBorrowings_c20201231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_pn3n3" style="vertical-align: middle; width: 13%; text-align: right" title="Warehouse lines of credit">42,558</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="vertical-align: middle; width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--WarehouseAgreementBorrowings_c20191231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_pn3n3" style="vertical-align: middle; width: 13%; text-align: right" title="Warehouse lines of credit">40,558</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td id="xdx_988_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20200101__20201231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member" style="vertical-align: middle; text-align: center" title="Interest rate">3.00% over one month Libor (Minimum 3.75%)</td><td> </td> <td style="text-align: center"> </td><td id="xdx_981_eus-gaap--DebtInstrumentMaturityDateDescription_c20200101__20201231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member" style="vertical-align: middle; text-align: center" title="Maturity date description">December 2022</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--WarehouseAgreementBorrowings_c20201231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_pn3n3" style="vertical-align: middle; text-align: right" title="Warehouse lines of credit">45,689</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--WarehouseAgreementBorrowings_c20191231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_pn3n3" style="vertical-align: middle; text-align: right" title="Warehouse lines of credit">96,225</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td style="vertical-align: middle; text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td id="xdx_989_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20200101__20201231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit3Member" style="vertical-align: middle; text-align: center" title="Interest rate">4.00% over a commercial paper rate (Minimum 5.00%)</td><td> </td> <td style="text-align: center"> </td><td id="xdx_980_eus-gaap--DebtInstrumentMaturityDateDescription_c20200101__20201231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit3Member" style="vertical-align: middle; text-align: center" title="Maturity date description">December 2021</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--WarehouseAgreementBorrowings_c20201231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit3Member_pn3n3" style="vertical-align: middle; text-align: right" title="Warehouse lines of credit">32,265</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_d0_c20191231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit3Member_zivTWBw2CBpb" style="vertical-align: middle; text-align: right" title="Warehouse lines of credit">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Residual interest financing</td><td> </td> <td id="xdx_98C_eus-gaap--DebtInstrumentInterestRateDuringPeriod_c20200101__20201231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_pii" style="vertical-align: middle; text-align: center" title="Interest rate">8.60%</td><td> </td> <td style="text-align: center"> </td><td id="xdx_986_eus-gaap--DebtInstrumentMaturityDateDescription_c20200101__20201231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember" style="vertical-align: middle; text-align: center" title="Maturity date description">January 2026</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--ResidualInterestFinancing_c20201231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_pn3n3" style="vertical-align: middle; text-align: right" title="Residual interest financing">25,576</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--ResidualInterestFinancing_c20191231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_pn3n3" style="vertical-align: middle; text-align: right" title="Residual interest financing">40,000</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="vertical-align: middle; text-align: left">Subordinated renewable notes</td><td> </td> <td id="xdx_987_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20200101__20201231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember" style="vertical-align: middle; text-align: center" title="Interest rate">Weighted average rate of 10.09% and 9.75% at December 31, 2020 and December 31, 2019, respectively</td><td> </td> <td style="text-align: center"> </td><td id="xdx_98F_eus-gaap--DebtInstrumentMaturityDateDescription_c20200101__20201231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember" style="vertical-align: middle; text-align: center" title="Maturity date description">Weighted average maturity of January 2023 and April 2022 at December 31, 2020 and December 31, 2019, respectively</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--SubordinatedDebt_c20201231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_pn3n3" style="vertical-align: middle; text-align: right" title="Subordinated renewable notes">21,323</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--SubordinatedDebt_c20191231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_pn3n3" style="vertical-align: middle; text-align: right" title="Subordinated renewable notes">17,534</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: center"> </td><td style="padding-bottom: 1pt; text-align: center"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="text-align: center; padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt; text-align: center"> </td><td style="padding-bottom: 2.5pt; text-align: center"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; vertical-align: middle; text-align: left">$</td><td id="xdx_988_eus-gaap--DebtLongtermAndShorttermCombinedAmount_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total debt outstanding">167,411</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--DebtLongtermAndShorttermCombinedAmount_c20191231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total debt outstanding">194,317</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

5.50% over one month Libor (Minimum 6.50%)

February 2021

42558000

40558000

3.00% over one month Libor (Minimum 3.75%)

December 2022

45689000

96225000

4.00% over a commercial paper rate (Minimum 5.00%)

December 2021

32265000

0.0860

January 2026

25576000 40000000

Weighted average rate of 10.09% and 9.75% at December 31, 2020 and December 31, 2019, respectively

Weighted average maturity of January 2023 and April 2022 at December 31, 2020 and December 31, 2019, respectively

21323000

17534000

167411000

194317000

1500000

2000000.0

100000000

45700000

100000000

42600000

100000000

3230000

120600000

136800000

40000000.0

25600000

150000

<table cellpadding="0" cellspacing="0" id="xdx_896_eus-gaap--ScheduleOfMaturitiesOfLongTermDebtTableTextBlock_pn3n3_zCna6h2D5gU3" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; background-color: White; border-collapse: collapse; width: 40%; margin-right: auto" summary="xdx: Disclosure - (6) Debt (Details - Debt maturity schedule)"> <tr style="vertical-align: bottom; background-color: White"> <td>Schedule of expected maturity amounts for long-term debt</td><td> </td> <td style="text-align: left"> </td><td id="xdx_492_20201231__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zwkCxfXPh0J3" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Subordinated</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: center">Contractual maturity</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">renewable</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">date</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">notes</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_iI_pn3n3_maLTDzkDB_z1BC4aH8NfTk" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 23%">2021</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">9,506</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_iI_pn3n3_maLTDzkDB_zHp6eANS7tg6" style="vertical-align: bottom; background-color: White"> <td>2022</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,350</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_iI_pn3n3_maLTDzkDB_zYmYUSmVh5Df" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2023</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,331</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_iI_pn3n3_maLTDzkDB_z64dDGg5JzK1" style="vertical-align: bottom; background-color: White"> <td>2024</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,162</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_iI_pn3n3_maLTDzkDB_zpTk9VgGhxLe" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2025</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,322</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_iI_pn3n3_maLTDzkDB_zJTCDT6tFeHk" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Thereafter</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,652</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--LongTermDebt_iTI_pn3n3_mtLTDzkDB_zsXMiJsZ5gU" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">21,323</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

9506000

3350000

3331000

1162000

2322000

1652000

21323000

(7) Shareholders’ Equity Common Stock Holders of common stock are entitled to such dividends as our board of directors, in its discretion, may declare out of funds available, subject to the terms of any outstanding shares of preferred stock and other restrictions. In the event of liquidation of the Company, holders of common stock are entitled to receive, pro rata, all of the assets of the Company available for distribution, after payment of any liquidation preference to the holders of outstanding shares of preferred stock. Holders of the shares of common stock have no conversion or preemptive or other subscription rights and there are no redemption or sinking fund provisions applicable to the common stock. Stock Purchases For the year ending December 31, 2020, we purchased 351,926 shares of our common stock at an average price of $<span id="xdx_908_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_c20200101__20201231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_pii" title="Average price per share of common stock repurchased (in dollars per share)">3.45. In October 2017 our board of directors authorized the repurchase of up to $<span id="xdx_902_eus-gaap--StockRepurchaseProgramAuthorizedAmount1_iI_pn3n3_dm_c20201231__us-gaap--ShareRepurchaseProgramAxis__us-gaap--CommonStockMember_z5UlTSNVbLa2" title="Stock repurchase program, total shares authorized to be repurchased">10 million of our common stock. There is approximately $<span id="xdx_908_eus-gaap--StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1_iI_pn3n3_dm_c20201231__us-gaap--ShareRepurchaseProgramAxis__us-gaap--CommonStockMember_zOB1hC40BYT4" title="Amount remaining of stock repurchase authorized amount">5.1 million of board authorization remaining under such plans, which have no expiration date. The table below describes the purchase of our common stock for the twelve-month periods ended December 31, 2020 and 2019: <table cellpadding="0" cellspacing="0" id="xdx_89A_eus-gaap--ScheduleOfShareBasedCompensationEmployeeStockPurchasePlanActivityTableTextBlock_ziS4g9TyLrk5" style="font: 10pt Times New Roman, Times, Serif; background-color: White; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (7) Shareholders' Equity (Details - Stock purchases)"> <tr style="vertical-align: bottom"> <td>Schedule of stock purchases</td><td style="font-weight: bold"> </td> <td colspan="14" style="font-weight: bold; text-align: center">Twelve Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center"> </td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Avg. Price</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center"> </td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center"> </td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Avg. Price</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 40%; text-align: left">Open market purchases</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_988_eus-gaap--StockRepurchasedDuringPeriodShares_pii_c20200101__20201231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember_zp6jZwvwROOe" style="width: 11%; text-align: right" title="Total stock purchases, shares">105,017</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pii_c20200101__20201231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember_z1aKSv2Il8m4" style="width: 11%; text-align: right" title="Total stock purchases, average price per share">3.60</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98F_eus-gaap--StockRepurchasedDuringPeriodShares_c20190101__20191231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember_pii" style="width: 11%; text-align: right" title="Total stock purchases, shares">335,546</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_c20190101__20191231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember_pii" style="width: 11%; text-align: right" title="Total stock purchases, average price per share">3.95</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Shares redeemed upon net exercise of stock options</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--StockRepurchasedDuringPeriodShares_pii_c20200101__20201231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember_zmPm1bcMnMd6" style="text-align: right" title="Total stock purchases, shares">46,909</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pii_c20200101__20201231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember_z9rgG6pU3tw7" style="text-align: right" title="Total stock purchases, average price per share">2.86</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--StockRepurchasedDuringPeriodShares_c20190101__20191231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember_pii" style="text-align: right" title="Total stock purchases, shares">18,424</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_c20190101__20191231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember_pii" style="text-align: right" title="Total stock purchases, average price per share">3.76</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--StockRepurchasedDuringPeriodShares_pii_c20200101__20201231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember__us-gaap--ShareRepurchaseProgramAxis__custom--OtherRepurchasesMember_zZEK2o1EV26k" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">200,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pii_c20200101__20201231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember__us-gaap--ShareRepurchaseProgramAxis__custom--OtherRepurchasesMember_zs0d4ZvitnBc" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price per share">3.51</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--StockRepurchasedDuringPeriodShares_c20190101__20191231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember__us-gaap--ShareRepurchaseProgramAxis__custom--OtherRepurchasesMember_pii" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">24,500</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_c20190101__20191231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember__us-gaap--ShareRepurchaseProgramAxis__custom--OtherRepurchasesMember_pii" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price per share">4.20</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Total stock purchases</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_986_eus-gaap--StockRepurchasedDuringPeriodShares_pii_c20200101__20201231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zVwtJdsH4oGa" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">351,926</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pii_c20200101__20201231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zsg1Wa9WIlN3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price per share">3.45</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98D_eus-gaap--StockRepurchasedDuringPeriodShares_c20190101__20191231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_pii" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">378,470</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_c20190101__20191231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_pii" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price per share">3.97</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> Options and Warrants In 2006, the Company adopted and its shareholders approved the CPS 2006 Long-Term Equity Incentive Plan (the “2006 Plan”) pursuant to which our Board of Directors, or a duly-authorized committee thereof, may grant stock options, restricted stock, restricted stock units and stock appreciation rights to our employees or employees of our subsidiaries, to directors of the Company, and to individuals acting as consultants to the Company or its subsidiaries. In June 2008, May 2012, April 2013, May 2015 and again in July 2018, the shareholders of the Company approved an amendment to the 2006 Plan to increase the maximum number of shares that may be subject to awards under the 2006 Plan to 5,000,000, 7,200,000, 12,200,000, 17,200,000 and <span id="xdx_909_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_iI_pii_c20201231__us-gaap--PlanNameAxis__custom--Plan2006Member_zv4r6oi3r2Y1" title="Options authorized under plan">19,200,000, respectively, in each case plus shares authorized under prior plans and not issued. Options that have been granted under the 2006 Plan and a previous plan approved in 1997 have been granted at an exercise price equal to (or greater than) the stock’s fair value at the date of the grant, with terms generally of 7-10 years and vesting generally over 4-5 years. The per share weighted-average fair value of stock options granted during the years ended December 31, 2020, 2019 and 2018 was $<span id="xdx_901_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_c20200101__20201231_pii" title="Weighted average exercise price of stock options granted per share">1.33, $<span id="xdx_900_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_c20190101__20191231_pii" title="Weighted average exercise price of stock options granted per share">1.11 and $<span id="xdx_906_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_pii_c20180101__20181231_zfba6V92QPYd" title="Weighted average exercise price of stock options granted per share">1.06, respectively. That fair value was estimated using a binomial option pricing model using the weighted average assumptions noted in the following table. We use historical data to estimate the expected term of each option. The volatility estimate is based on the historical and implied volatility of our stock over the period that equals the expected life of the option. Volatility assumptions ranged from 72% to 80% for 2020, 37% to 39% for 2019, and <span id="xdx_90B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum_pii_c20180101__20181231_zqOpolZsqmZd" title="Voliatility assumptions, minimum">31% to <span id="xdx_900_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum_pii_c20180101__20181231_z8hLTRPYz7N3" title="Voliatility assumptions, maximum">34% for 2018. The risk-free interest rate is based on the yield on a U.S. Treasury bond with a maturity comparable to the expected life of the option. The dividend yield is estimated to be zero based on our intention not to issue dividends for the foreseeable future. <table cellpadding="0" cellspacing="0" id="xdx_893_eus-gaap--ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock_zLNdaQea5SP4" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto" summary="xdx: Disclosure - (7) Shareholders' Equity (Details - Assumptions)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of assumptions for stock options</td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20200101__20201231_zOH2DE2ODYYd" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_499_20190101__20191231_zK9TMrpVyxQe" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20180101__20181231_zu6xqCb0rv7e" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Year Ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2018</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 35%; text-align: left">Expected life (years)</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right">4.01 </td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right">4.02 </td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right">3.99 </td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_pii_dp_zYeHvIosgLp" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Risk-free interest rate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">0.25%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1.53%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2.74%</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate_pii_dp_zT61foFFSnyc" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>Volatility</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">73%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">37%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">34%</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_pii_dp0_z6KtYyGRW1Qe" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Expected dividend yield</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">– </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">– </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">– </td><td style="text-align: left"> </td></tr> </table> For the years ended December 31, 2020, 2019 and 2018, we recorded stock-based compensation costs in the amount of $1.9 1,935 million, $2.1 2,072 million and $3.5 3,515 million, respectively. As of December 31, 2020, the unrecognized stock-based compensation costs to be recognized over future periods was equal to $<span id="xdx_900_eus-gaap--EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions_iI_pn3n3_dm_c20201231_zS0ihWlcc4ci" title="Unrecognized stock-based compensation costs">3.2 million. This amount will be recognized as expense over a weighted-average period of <span id="xdx_909_eus-gaap--EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_dtY_c20200101__20201231_z3z3xi30U9wl" title="Weighted-average period for unrecognized costs">2.2 years. At December 31, 2020 and 2019, options outstanding had intrinsic values of $11.9 million and $4.8 million, respectively. At December 31, 2020 and 2019, options exercisable had intrinsic values of $8.2 million and $4.8 million, respectively. The total intrinsic value of options exercised was $<span id="xdx_907_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_pn3n3_dm_c20200101__20201231_zDAQ0MHNhxb7" title="Intrinsic value of options exercised">1.0 million and $<span id="xdx_905_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_pn3n3_dm_c20190101__20191231_zvLCQJh4ZW52" title="Intrinsic value of options exercised">1.4 million for the years ended December 31, 2020 and 2019, respectively. New shares were issued for all options exercised during the year ended December 2020 and cash of $949,000 was received. At December 31, 2020, there were a total of <span id="xdx_90D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_iI_pii_c20201231__us-gaap--PlanNameAxis__custom--Plan2006Member_zM29rT3h8T61" title="Shares available for grant">270,000 additional shares available for grant under the 2006 Plan. Stock option activity for the year ended December 31, 2020 for stock options under the 2006 and 1997 plans is as follows: <table cellpadding="0" cellspacing="0" id="xdx_89E_eus-gaap--ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock_pn3n3_zRmzYnL0c4x1" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 90%; margin-right: auto" summary="xdx: Disclosure - (7) Shareholders' Equity (Details - Option activity)"> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt">Schedule of option activity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Number of Shares (in thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Weighted Average Exercise Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Weighted Average Remaining Contractual Term</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 47%; text-align: left">Options outstanding at the beginning of period</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iS_pn3n3_c20200101__20201231_zCxInvL5ujY9" style="width: 11%; text-align: right" title="Options outstanding at the beginning of period">15,348</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iS_pii_c20200101__20201231_z2yIC0BNkSZg" style="width: 11%; text-align: right" title="Options outstanding at the beginning of period">4.59</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 11%; text-align: center">N/A</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt">Granted</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_pn3n3_c20200101__20201231_zdW8jU3Wz6Ud" style="text-align: right" title="Granted">1,600</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_c20200101__20201231_pii" style="text-align: right" title="Granted">2.47</td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">N/A</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt">Exercised</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_iN_pn3n3_di_c20200101__20201231_zFI33yWV4pn1" style="text-align: right" title="Exercised">(558</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_c20200101__20201231_pii" style="text-align: right" title="Exercised">1.70</td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">N/A</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt; padding-bottom: 1pt">Forfeited/Expired</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_iN_pn3n3_di_c20200101__20201231_zIf2aP9oINcc" style="border-bottom: Black 1pt solid; text-align: right" title="Forfeited/Expired">(413</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice_c20200101__20201231_pii" style="padding-bottom: 1pt; text-align: right" title="Forfeited/Expired">5.13</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt">N/A</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Options outstanding at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iE_pn3n3_c20200101__20201231_z3mKbxW1rryh" style="border-bottom: Black 2.5pt double; text-align: right" title="Options outstanding at the end of period">15,977</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iE_pii_c20200101__20201231_zIzQ2CqAq5Tg" style="border-bottom: Black 2.5pt double; text-align: right" title="Options outstanding at the end of period">4.46</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: center; padding-bottom: 2.5pt"><span id="xdx_902_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20200101__20201231_zNrjwG1ZlmB" title="Weighted average remaining contractual term, end of period">2.85 years</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Options exercisable at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20201231_z19DJ6tmXOHd" style="border-bottom: Black 2.5pt double; text-align: right" title="Options exercisable at the end of period">12,597</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_c20201231_pii" style="border-bottom: Black 2.5pt double; text-align: right" title="Options exercisable at the end of period">4.81</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: center; padding-bottom: 2.5pt"><span id="xdx_90E_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2_dtY_c20200101__20201231_zNOw7jrBdEwg" title="Weighted average remaining contractual term, exercisable at the end of period">2.15 years</td></tr> </table> The following table presents the price distribution of stock options outstanding and exercisable for the years ended December 31, 2020 and 2019: <table cellpadding="0" cellspacing="0" id="xdx_891_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAndExercisableTableTextBlock_pn3n3_zIGkV962qyli" style="font: 10pt Times New Roman, Times, Serif; background-color: White; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (7) Shareholders' Equity (Details - Options outstanding and exercisable)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of options outstanding and exercisable</td> <td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td> <td> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; text-align: center"> </td> <td style="padding-bottom: 1pt; text-align: center"> </td> <td style="padding-bottom: 1pt; text-align: center"> </td><td colspan="5" style="border-bottom: Black 1pt solid; text-align: center">Number of shares as of December 31, 2020 </td><td style="padding-bottom: 1pt; text-align: center"> </td><td style="padding-bottom: 1pt; text-align: center"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; text-align: center">Number of shares as of December 31, 2019</td> <td style="padding-bottom: 1pt; text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; text-align: left">Range of exercise prices:</td> <td style="padding-bottom: 1pt; text-align: center"> </td> <td style="padding-bottom: 1pt; text-align: center"> </td><td style="border-bottom: Black 1pt solid; text-align: center">Outstanding</td><td style="padding-bottom: 1pt; text-align: center"> </td><td style="padding-bottom: 1pt; text-align: center"> </td> <td style="padding-bottom: 1pt; text-align: center"> </td><td style="border-bottom: Black 1pt solid; text-align: center">Exercisable</td><td style="padding-bottom: 1pt; text-align: center"> </td><td style="padding-bottom: 1pt; text-align: center"> </td> <td style="padding-bottom: 1pt; text-align: center"> </td><td style="border-bottom: Black 1pt solid; text-align: center">Outstanding</td> <td style="padding-bottom: 1pt; text-align: center"> </td><td style="padding-bottom: 1pt; text-align: center"> </td><td style="padding-bottom: 1pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center">Exercisable</td> <td style="padding-bottom: 1pt; text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td><td colspan="5" style="text-align: center">(In thousands)</td><td style="text-align: center"> </td><td style="text-align: center"> </td> <td style="text-align: center"> </td><td colspan="5" style="text-align: center">(In thousands)</td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 40%; text-align: left">$0.95 - $1.99</td> <td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zoEyMs707QY5" style="width: 11%; text-align: right" title="Number of shares, outstanding">1,904</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zybyixrBiWSa" style="width: 11%; text-align: right" title="Number of shares, exercisable">1,904</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zoNfu4XOm0j9" style="width: 11%; text-align: right" title="Number of shares, outstanding">2,436</td> <td style="width: 1%"> </td><td style="width: 2%; text-align: left"> </td><td style="width: 1%"> </td> <td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zRj3AB4DGHDi" style="text-align: right; width: 11%" title="Number of shares, exercisable">2,436</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">$2.00 - $2.99</td> <td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zT8tBKcrK2Nl" style="text-align: right" title="Number of shares, outstanding">1,570</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zZcOkfbxuEkk" style="text-align: right" title="Number of shares, exercisable">180</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_d0_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zZgeYLo2ES1k" style="text-align: right" title="Number of shares, outstanding">–</td> <td> </td><td style="text-align: left"> </td><td> </td> <td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_d0_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zmIBbwqMjjk1" style="text-align: right" title="Number of shares, exercisable">–</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">$3.00 - $3.99</td> <td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zpDPeFhvWGyk" style="text-align: right" title="Number of shares, outstanding">4,973</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zf5orRiG7O6k" style="text-align: right" title="Number of shares, exercisable">3,306</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_z6zrG9eVGj8a" style="text-align: right" title="Number of shares, outstanding">5,145</td> <td> </td><td style="text-align: left"> </td><td> </td> <td id="xdx_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_ze3U6CDEDti6" style="text-align: right" title="Number of shares, exercisable">2,158</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">$4.00 - $4.99</td> <td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zRsH60voqjO" style="text-align: right" title="Number of shares, outstanding">1,540</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zpGJ74JKs389" style="text-align: right" title="Number of shares, exercisable">1,217</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zxAFI6MDy5ia" style="text-align: right" title="Number of shares, outstanding">1,547</td> <td> </td><td style="text-align: left"> </td><td> </td> <td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zAEbt5lHYeF3" style="text-align: right" title="Number of shares, exercisable">903</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">$5.00 - $5.99</td> <td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_d0_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zkV5TCr6Nzfa" style="text-align: right" title="Number of shares, outstanding">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_d0_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zQArVQUlaBSj" style="text-align: right" title="Number of shares, exercisable">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_d0_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zSXk3QquLRL1" style="text-align: right" title="Number of shares, outstanding">–</td> <td> </td><td style="text-align: left"> </td><td> </td> <td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_d0_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zTp8lDS2pxW2" style="text-align: right" title="Number of shares, exercisable">–</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">$6.00 - $6.99</td> <td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zlbOAczgPJq5" style="text-align: right" title="Number of shares, outstanding">4,770</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_z9oDTXtii8D1" style="text-align: right" title="Number of shares, exercisable">4,770</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_ztJnC6Uwt3J4" style="text-align: right" title="Number of shares, outstanding">4,955</td> <td> </td><td style="text-align: left"> </td><td> </td> <td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_z8edyqXPrVka" style="text-align: right" title="Number of shares, exercisable">4,955</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt; text-align: left">$7.00 - $7.99</td> <td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_zEUoWwTUePh3" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, outstanding">1,220</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_zubWvp47v299" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, exercisable">1,220</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_zQuV6wOJXrgl" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, outstanding">1,265</td> <td> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_zdyGBXNNSpii" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, exercisable">1,265</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt; text-align: left">Total shares</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20201231_zxPp4pv270ek" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">15,977</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20201231_zMD39XFHN4cd" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">12,597</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20191231_zL5ulCFd7MQb" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">15,348</td> <td> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20191231_z3TtWt49doDj" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">11,717</td> <td> </td></tr> </table> We did not issue any stock options with an exercise price above or below the market price of the stock on the grant date for the years ended December 31, 2020, 2019 and 2018.

351926

3.45

10000000

5100000

<table cellpadding="0" cellspacing="0" id="xdx_89A_eus-gaap--ScheduleOfShareBasedCompensationEmployeeStockPurchasePlanActivityTableTextBlock_ziS4g9TyLrk5" style="font: 10pt Times New Roman, Times, Serif; background-color: White; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (7) Shareholders' Equity (Details - Stock purchases)"> <tr style="vertical-align: bottom"> <td>Schedule of stock purchases</td><td style="font-weight: bold"> </td> <td colspan="14" style="font-weight: bold; text-align: center">Twelve Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center"> </td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Avg. Price</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center"> </td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center"> </td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Avg. Price</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 40%; text-align: left">Open market purchases</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_988_eus-gaap--StockRepurchasedDuringPeriodShares_pii_c20200101__20201231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember_zp6jZwvwROOe" style="width: 11%; text-align: right" title="Total stock purchases, shares">105,017</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pii_c20200101__20201231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember_z1aKSv2Il8m4" style="width: 11%; text-align: right" title="Total stock purchases, average price per share">3.60</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98F_eus-gaap--StockRepurchasedDuringPeriodShares_c20190101__20191231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember_pii" style="width: 11%; text-align: right" title="Total stock purchases, shares">335,546</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_c20190101__20191231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember_pii" style="width: 11%; text-align: right" title="Total stock purchases, average price per share">3.95</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Shares redeemed upon net exercise of stock options</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--StockRepurchasedDuringPeriodShares_pii_c20200101__20201231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember_zmPm1bcMnMd6" style="text-align: right" title="Total stock purchases, shares">46,909</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pii_c20200101__20201231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember_z9rgG6pU3tw7" style="text-align: right" title="Total stock purchases, average price per share">2.86</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--StockRepurchasedDuringPeriodShares_c20190101__20191231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember_pii" style="text-align: right" title="Total stock purchases, shares">18,424</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_c20190101__20191231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember_pii" style="text-align: right" title="Total stock purchases, average price per share">3.76</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--StockRepurchasedDuringPeriodShares_pii_c20200101__20201231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember__us-gaap--ShareRepurchaseProgramAxis__custom--OtherRepurchasesMember_zZEK2o1EV26k" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">200,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pii_c20200101__20201231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember__us-gaap--ShareRepurchaseProgramAxis__custom--OtherRepurchasesMember_zs0d4ZvitnBc" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price per share">3.51</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--StockRepurchasedDuringPeriodShares_c20190101__20191231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember__us-gaap--ShareRepurchaseProgramAxis__custom--OtherRepurchasesMember_pii" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">24,500</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_c20190101__20191231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember__us-gaap--ShareRepurchaseProgramAxis__custom--OtherRepurchasesMember_pii" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price per share">4.20</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Total stock purchases</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_986_eus-gaap--StockRepurchasedDuringPeriodShares_pii_c20200101__20201231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zVwtJdsH4oGa" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">351,926</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pii_c20200101__20201231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zsg1Wa9WIlN3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price per share">3.45</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98D_eus-gaap--StockRepurchasedDuringPeriodShares_c20190101__20191231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_pii" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">378,470</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_c20190101__20191231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_pii" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price per share">3.97</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

105017

3.60

335546

3.95

46909

2.86

18424

3.76

200000

3.51

24500

4.20

351926

3.45

378470

3.97

19200000

1.33

1.11

1.06

0.72

0.80

0.37

0.39

0.31

0.34

<table cellpadding="0" cellspacing="0" id="xdx_893_eus-gaap--ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock_zLNdaQea5SP4" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto" summary="xdx: Disclosure - (7) Shareholders' Equity (Details - Assumptions)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of assumptions for stock options</td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20200101__20201231_zOH2DE2ODYYd" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_499_20190101__20191231_zK9TMrpVyxQe" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20180101__20181231_zu6xqCb0rv7e" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Year Ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2018</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 35%; text-align: left">Expected life (years)</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right">4.01 </td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right">4.02 </td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 11%; text-align: right">3.99 </td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_pii_dp_zYeHvIosgLp" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Risk-free interest rate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">0.25%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1.53%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2.74%</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate_pii_dp_zT61foFFSnyc" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>Volatility</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">73%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">37%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">34%</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_pii_dp0_z6KtYyGRW1Qe" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Expected dividend yield</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">– </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">– </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">– </td><td style="text-align: left"> </td></tr> </table>

P4Y3D

P4Y7D

P3Y11M26D

0.0025

0.0153

0.0274

0.73

0.37

0.34

1935000

2072000

3515000

3200000

P2Y2M12D

11900000

4800000

8200000

4800000

1000000.0

1400000

949000

270000

<table cellpadding="0" cellspacing="0" id="xdx_89E_eus-gaap--ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock_pn3n3_zRmzYnL0c4x1" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 90%; margin-right: auto" summary="xdx: Disclosure - (7) Shareholders' Equity (Details - Option activity)"> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt">Schedule of option activity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Number of Shares (in thousands)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Weighted Average Exercise Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Weighted Average Remaining Contractual Term</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 47%; text-align: left">Options outstanding at the beginning of period</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iS_pn3n3_c20200101__20201231_zCxInvL5ujY9" style="width: 11%; text-align: right" title="Options outstanding at the beginning of period">15,348</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iS_pii_c20200101__20201231_z2yIC0BNkSZg" style="width: 11%; text-align: right" title="Options outstanding at the beginning of period">4.59</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 11%; text-align: center">N/A</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt">Granted</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_pn3n3_c20200101__20201231_zdW8jU3Wz6Ud" style="text-align: right" title="Granted">1,600</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_c20200101__20201231_pii" style="text-align: right" title="Granted">2.47</td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">N/A</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt">Exercised</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_iN_pn3n3_di_c20200101__20201231_zFI33yWV4pn1" style="text-align: right" title="Exercised">(558</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_c20200101__20201231_pii" style="text-align: right" title="Exercised">1.70</td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">N/A</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt; padding-bottom: 1pt">Forfeited/Expired</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_iN_pn3n3_di_c20200101__20201231_zIf2aP9oINcc" style="border-bottom: Black 1pt solid; text-align: right" title="Forfeited/Expired">(413</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice_c20200101__20201231_pii" style="padding-bottom: 1pt; text-align: right" title="Forfeited/Expired">5.13</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt">N/A</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Options outstanding at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iE_pn3n3_c20200101__20201231_z3mKbxW1rryh" style="border-bottom: Black 2.5pt double; text-align: right" title="Options outstanding at the end of period">15,977</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iE_pii_c20200101__20201231_zIzQ2CqAq5Tg" style="border-bottom: Black 2.5pt double; text-align: right" title="Options outstanding at the end of period">4.46</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: center; padding-bottom: 2.5pt"><span id="xdx_902_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20200101__20201231_zNrjwG1ZlmB" title="Weighted average remaining contractual term, end of period">2.85 years</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Options exercisable at the end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20201231_z19DJ6tmXOHd" style="border-bottom: Black 2.5pt double; text-align: right" title="Options exercisable at the end of period">12,597</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_c20201231_pii" style="border-bottom: Black 2.5pt double; text-align: right" title="Options exercisable at the end of period">4.81</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: center; padding-bottom: 2.5pt"><span id="xdx_90E_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2_dtY_c20200101__20201231_zNOw7jrBdEwg" title="Weighted average remaining contractual term, exercisable at the end of period">2.15 years</td></tr> </table>

15348000

4.59

1600000

2.47

558000

1.70

413000

5.13

15977000

4.46

P2Y10M6D

12597000

4.81

P2Y1M24D

<table cellpadding="0" cellspacing="0" id="xdx_891_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAndExercisableTableTextBlock_pn3n3_zIGkV962qyli" style="font: 10pt Times New Roman, Times, Serif; background-color: White; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (7) Shareholders' Equity (Details - Options outstanding and exercisable)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of options outstanding and exercisable</td> <td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td> <td> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: right"> </td> <td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; text-align: center"> </td> <td style="padding-bottom: 1pt; text-align: center"> </td> <td style="padding-bottom: 1pt; text-align: center"> </td><td colspan="5" style="border-bottom: Black 1pt solid; text-align: center">Number of shares as of December 31, 2020 </td><td style="padding-bottom: 1pt; text-align: center"> </td><td style="padding-bottom: 1pt; text-align: center"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; text-align: center">Number of shares as of December 31, 2019</td> <td style="padding-bottom: 1pt; text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; text-align: left">Range of exercise prices:</td> <td style="padding-bottom: 1pt; text-align: center"> </td> <td style="padding-bottom: 1pt; text-align: center"> </td><td style="border-bottom: Black 1pt solid; text-align: center">Outstanding</td><td style="padding-bottom: 1pt; text-align: center"> </td><td style="padding-bottom: 1pt; text-align: center"> </td> <td style="padding-bottom: 1pt; text-align: center"> </td><td style="border-bottom: Black 1pt solid; text-align: center">Exercisable</td><td style="padding-bottom: 1pt; text-align: center"> </td><td style="padding-bottom: 1pt; text-align: center"> </td> <td style="padding-bottom: 1pt; text-align: center"> </td><td style="border-bottom: Black 1pt solid; text-align: center">Outstanding</td> <td style="padding-bottom: 1pt; text-align: center"> </td><td style="padding-bottom: 1pt; text-align: center"> </td><td style="padding-bottom: 1pt; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; text-align: center">Exercisable</td> <td style="padding-bottom: 1pt; text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td> <td style="text-align: center"> </td> <td style="text-align: center"> </td><td colspan="5" style="text-align: center">(In thousands)</td><td style="text-align: center"> </td><td style="text-align: center"> </td> <td style="text-align: center"> </td><td colspan="5" style="text-align: center">(In thousands)</td> <td style="text-align: center"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 40%; text-align: left">$0.95 - $1.99</td> <td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zoEyMs707QY5" style="width: 11%; text-align: right" title="Number of shares, outstanding">1,904</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zybyixrBiWSa" style="width: 11%; text-align: right" title="Number of shares, exercisable">1,904</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zoNfu4XOm0j9" style="width: 11%; text-align: right" title="Number of shares, outstanding">2,436</td> <td style="width: 1%"> </td><td style="width: 2%; text-align: left"> </td><td style="width: 1%"> </td> <td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zRj3AB4DGHDi" style="text-align: right; width: 11%" title="Number of shares, exercisable">2,436</td> <td style="width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">$2.00 - $2.99</td> <td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zT8tBKcrK2Nl" style="text-align: right" title="Number of shares, outstanding">1,570</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zZcOkfbxuEkk" style="text-align: right" title="Number of shares, exercisable">180</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_d0_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zZgeYLo2ES1k" style="text-align: right" title="Number of shares, outstanding">–</td> <td> </td><td style="text-align: left"> </td><td> </td> <td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_d0_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zmIBbwqMjjk1" style="text-align: right" title="Number of shares, exercisable">–</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">$3.00 - $3.99</td> <td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zpDPeFhvWGyk" style="text-align: right" title="Number of shares, outstanding">4,973</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zf5orRiG7O6k" style="text-align: right" title="Number of shares, exercisable">3,306</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_z6zrG9eVGj8a" style="text-align: right" title="Number of shares, outstanding">5,145</td> <td> </td><td style="text-align: left"> </td><td> </td> <td id="xdx_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_ze3U6CDEDti6" style="text-align: right" title="Number of shares, exercisable">2,158</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">$4.00 - $4.99</td> <td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zRsH60voqjO" style="text-align: right" title="Number of shares, outstanding">1,540</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zpGJ74JKs389" style="text-align: right" title="Number of shares, exercisable">1,217</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zxAFI6MDy5ia" style="text-align: right" title="Number of shares, outstanding">1,547</td> <td> </td><td style="text-align: left"> </td><td> </td> <td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zAEbt5lHYeF3" style="text-align: right" title="Number of shares, exercisable">903</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">$5.00 - $5.99</td> <td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_d0_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zkV5TCr6Nzfa" style="text-align: right" title="Number of shares, outstanding">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_d0_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zQArVQUlaBSj" style="text-align: right" title="Number of shares, exercisable">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_d0_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zSXk3QquLRL1" style="text-align: right" title="Number of shares, outstanding">–</td> <td> </td><td style="text-align: left"> </td><td> </td> <td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_d0_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zTp8lDS2pxW2" style="text-align: right" title="Number of shares, exercisable">–</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">$6.00 - $6.99</td> <td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zlbOAczgPJq5" style="text-align: right" title="Number of shares, outstanding">4,770</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_z9oDTXtii8D1" style="text-align: right" title="Number of shares, exercisable">4,770</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_ztJnC6Uwt3J4" style="text-align: right" title="Number of shares, outstanding">4,955</td> <td> </td><td style="text-align: left"> </td><td> </td> <td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_z8edyqXPrVka" style="text-align: right" title="Number of shares, exercisable">4,955</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt; text-align: left">$7.00 - $7.99</td> <td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_zEUoWwTUePh3" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, outstanding">1,220</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20201231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_zubWvp47v299" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, exercisable">1,220</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_zQuV6wOJXrgl" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, outstanding">1,265</td> <td> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20191231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_zdyGBXNNSpii" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, exercisable">1,265</td> <td> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt; text-align: left">Total shares</td> <td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20201231_zxPp4pv270ek" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">15,977</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20201231_zMD39XFHN4cd" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">12,597</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20191231_zL5ulCFd7MQb" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">15,348</td> <td> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_c20191231_z3TtWt49doDj" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">11,717</td> <td> </td></tr> </table>

1904000

2436000

1570000

180000

4973000

3306000

5145000

2158000

1540000

1217000

1547000

903000

4770000

4955000

1220000

1265000

15977000

12597000

15348000

11717000

(8) Interest Income and Interest Expense The following table presents the components of interest income: <table cellpadding="0" cellspacing="0" id="xdx_893_eus-gaap--InterestAndOtherIncomeTableTextBlock_pn3n3_zwuExRvX2ENb" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (8) Interest Income and Interest Expense (Details - Interest income)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of interest income</td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20200101__20201231_zyCCXlQbH49k" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20190101__20191231_zccOBRypc40c" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20180101__20181231_zEC6l6pXzrD2" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Year Ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2018</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40D_eus-gaap--InvestmentIncomeNet_maIADIOz7rH_zk1So2n74gch" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 55%; text-align: left">Interest on finance receivables</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">126,043</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">211,138</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">334,634</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--InterestIncomePurchasedReceivables_maIADIOz7rH_zQvIoWMFXqb1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Interest on finance receivables at fair value</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">168,266</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">123,059</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">43,863</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_ecustom--MarkToFinanceReceivablesMeasuredAtFairValue_iN_pn3n3_di0_msIADIOz7rH_zjPvZwXQSzni" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Mark to finance receivables measured at fair value</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(29,528</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--InterestAndOtherIncome_maIADIOz7rH_z2QqfwRenAJ2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Other interest income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">673</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,899</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,800</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--InterestAndDividendIncomeOperating_iT_pn3n3_mtIADIOz7rH_z988QHMwR677" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Interest income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">265,454</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">337,096</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">380,297</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> The following table presents the components of interest expense: <table cellpadding="0" cellspacing="0" id="xdx_89E_eus-gaap--InterestIncomeAndInterestExpenseDisclosureTableTextBlock_pn3n3_zQiZd6ySCvOc" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (8) Interest Income and Interest Expense (Details - Interest expense)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of interest expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Year Ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2018</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 55%; text-align: left">Securitization trust debt</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--InterestExpense_c20200101__20201231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_pn3n3" style="width: 11%; text-align: right" title="Total interest expense">88,031</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--InterestExpense_pn3n3_c20190101__20191231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_z1Hhe8Y49Us9" style="width: 11%; text-align: right" title="Total interest expense">96,870</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--InterestExpense_c20180101__20181231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_pn3n3" style="width: 11%; text-align: right" title="Total interest expense">89,926</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--InterestExpense_c20200101__20201231__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_pn3n3" style="text-align: right" title="Total interest expense">7,678</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--InterestExpense_pn3n3_c20190101__20191231__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zBz1VBjloNZ5" style="text-align: right" title="Total interest expense">8,402</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--InterestExpense_c20180101__20181231__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_pn3n3" style="text-align: right" title="Total interest expense">7,752</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--InterestExpense_c20200101__20201231__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_pn3n3" style="text-align: right" title="Total interest expense">3,454</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--InterestExpense_pn3n3_c20190101__20191231__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_zaEiWKxu6JVd" style="text-align: right" title="Total interest expense">3,822</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--InterestExpense_c20180101__20181231__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_pn3n3" style="text-align: right" title="Total interest expense">2,343</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Subordinated renewable notes</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--InterestExpense_c20200101__20201231__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total interest expense">2,175</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--InterestExpense_pn3n3_c20190101__20191231__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zv9VvwFaLj27" style="border-bottom: Black 1pt solid; text-align: right" title="Total interest expense">1,434</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--InterestExpense_c20180101__20181231__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total interest expense">1,445</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Interest expense</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--InterestExpense_c20200101__20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total interest expense">101,338</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--InterestExpense_c20190101__20191231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total interest expense">110,528</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--InterestExpense_pn3n3_c20180101__20181231_z4WfCucuVj0b" style="border-bottom: Black 2.5pt double; text-align: right" title="Total interest expense">101,466</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

<table cellpadding="0" cellspacing="0" id="xdx_893_eus-gaap--InterestAndOtherIncomeTableTextBlock_pn3n3_zwuExRvX2ENb" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (8) Interest Income and Interest Expense (Details - Interest income)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of interest income</td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20200101__20201231_zyCCXlQbH49k" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20190101__20191231_zccOBRypc40c" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20180101__20181231_zEC6l6pXzrD2" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Year Ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2018</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40D_eus-gaap--InvestmentIncomeNet_maIADIOz7rH_zk1So2n74gch" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 55%; text-align: left">Interest on finance receivables</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">126,043</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">211,138</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">334,634</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--InterestIncomePurchasedReceivables_maIADIOz7rH_zQvIoWMFXqb1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Interest on finance receivables at fair value</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">168,266</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">123,059</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">43,863</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_ecustom--MarkToFinanceReceivablesMeasuredAtFairValue_iN_pn3n3_di0_msIADIOz7rH_zjPvZwXQSzni" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Mark to finance receivables measured at fair value</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(29,528</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--InterestAndOtherIncome_maIADIOz7rH_z2QqfwRenAJ2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Other interest income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">673</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,899</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,800</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--InterestAndDividendIncomeOperating_iT_pn3n3_mtIADIOz7rH_z988QHMwR677" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Interest income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">265,454</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">337,096</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">380,297</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

126043000

211138000

334634000

168266000

123059000

43863000

29528000 -0 -0

673000

2899000

1800000

265454000

337096000

380297000

<table cellpadding="0" cellspacing="0" id="xdx_89E_eus-gaap--InterestIncomeAndInterestExpenseDisclosureTableTextBlock_pn3n3_zQiZd6ySCvOc" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (8) Interest Income and Interest Expense (Details - Interest expense)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of interest expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Year Ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2018</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 55%; text-align: left">Securitization trust debt</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--InterestExpense_c20200101__20201231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_pn3n3" style="width: 11%; text-align: right" title="Total interest expense">88,031</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--InterestExpense_pn3n3_c20190101__20191231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_z1Hhe8Y49Us9" style="width: 11%; text-align: right" title="Total interest expense">96,870</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--InterestExpense_c20180101__20181231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_pn3n3" style="width: 11%; text-align: right" title="Total interest expense">89,926</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--InterestExpense_c20200101__20201231__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_pn3n3" style="text-align: right" title="Total interest expense">7,678</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--InterestExpense_pn3n3_c20190101__20191231__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_zBz1VBjloNZ5" style="text-align: right" title="Total interest expense">8,402</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--InterestExpense_c20180101__20181231__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_pn3n3" style="text-align: right" title="Total interest expense">7,752</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--InterestExpense_c20200101__20201231__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_pn3n3" style="text-align: right" title="Total interest expense">3,454</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--InterestExpense_pn3n3_c20190101__20191231__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_zaEiWKxu6JVd" style="text-align: right" title="Total interest expense">3,822</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--InterestExpense_c20180101__20181231__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_pn3n3" style="text-align: right" title="Total interest expense">2,343</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Subordinated renewable notes</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--InterestExpense_c20200101__20201231__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total interest expense">2,175</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--InterestExpense_pn3n3_c20190101__20191231__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zv9VvwFaLj27" style="border-bottom: Black 1pt solid; text-align: right" title="Total interest expense">1,434</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--InterestExpense_c20180101__20181231__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total interest expense">1,445</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Interest expense</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--InterestExpense_c20200101__20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total interest expense">101,338</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--InterestExpense_c20190101__20191231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total interest expense">110,528</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--InterestExpense_pn3n3_c20180101__20181231_z4WfCucuVj0b" style="border-bottom: Black 2.5pt double; text-align: right" title="Total interest expense">101,466</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

88031000

96870000

89926000

7678000

8402000

7752000

3454000

3822000

2343000

2175000

1434000

1445000

101338000

110528000

101466000

(9) Income Taxes Income taxes consist of the following: <table cellpadding="0" cellspacing="0" id="xdx_890_eus-gaap--ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_pn3n3_zX9IMF9FpXL2" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (9) Income Taxes (Details - Income tax expense)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of income tax expense</td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20200101__20201231_zsDP7B9W4u81" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20190101__20191231_z0KXuGAn8Ql8" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20180101__20181231_zc6c6T47SXfj" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Year Ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2018</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_404_eus-gaap--CurrentFederalTaxExpenseBenefit_maITEBzxwo_zgkQSPT15md1" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 55%; text-align: left">Current federal tax expense</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">(23,576</td><td style="width: 1%; text-align: left">)</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">(574</td><td style="width: 1%; text-align: left">)</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">(7,526</td><td style="width: 1%; text-align: left">)</td></tr> <tr id="xdx_40C_eus-gaap--CurrentStateAndLocalTaxExpenseBenefit_maITEBzxwo_zKm3CWCH6qBf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Current state tax expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">472</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">105</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(2,064</td><td style="text-align: left">)</td></tr> <tr id="xdx_402_eus-gaap--DeferredFederalIncomeTaxExpenseBenefit_maITEBzxwo_zbjom5w29ou8" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Deferred federal tax expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">18,937</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,759</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9,074</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--DeferredStateAndLocalIncomeTaxExpenseBenefit_maITEBzxwo_zbJRcyBRn4Jk" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Deferred state tax expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,610</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,466</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,357</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--IncomeTaxExpenseBenefit_iT_pn3n3_mtITEBzxwo_zJcAwMDB7Jch" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Income tax expense</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(1,557</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,756</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,841</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> Income tax expense for the years ended December 31, 2020, 2019 and 2018 differs from the amount determined by applying the statutory federal rate to income before income taxes as follows: <table cellpadding="0" cellspacing="0" id="xdx_896_eus-gaap--ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_pn3n3_zz9LC2pzHrvi" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (9) Income Taxes (Details - Tax rate effect)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of reconciliation of income taxes</td><td> </td> <td style="text-align: left"> </td><td id="xdx_494_20200101__20201231_zCf9LVKiNYT7" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20190101__20191231_zK7foJWoyuwg" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20180101__20181231_zdSoVH6xuWO1" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Year Ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2018</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40E_eus-gaap--IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_maITEBzmo4_maITEBznMo_zEO2hNAUD2mk" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 55%; text-align: left">Expense at federal tax rate</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">4,225</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">1,924</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">3,928</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--IncomeTaxReconciliationStateAndLocalIncomeTaxes_maITEBzmo4_maITEBznMo_z90TpFe9MuN9" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">State taxes, net of federal income tax effect</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,505</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,027</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,718</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--IncomeTaxReconciliationNondeductibleExpenseShareBasedCompensationCost_maITEBzmo4_maITEBznMo_zWYczgeLfUVh" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Stock-based compensation</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">35</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">169</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">238</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--IncomeTaxReconciliationNondeductibleExpenseOther_maITEBzmo4_maITEBznMo_zvNBY4cZQ6ab" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Non-deductible expenses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">974</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">856</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">824</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--IncomeTaxReconciliationOperatingLossCarryback_d0_maITEBzmo4_maITEBznMo_zOYiM0cMKPqe" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Net operating loss carryback</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(9,435</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--IncomeTaxReconciliationChangeInEnactedTaxRate_d0_maITEBzmo4_maITEBznMo_zejurtVqpKy6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Effect of change in tax rate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_ecustom--AccountingMethodChange_d0_maITEBzmo4_maITEBznMo_zRxRAjI49zji" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Accounting method change</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(2,100</td><td style="text-align: left">)</td></tr> <tr id="xdx_402_eus-gaap--IncomeTaxReconciliationOtherReconcilingItems_maITEBzmo4_maITEBznMo_zXjtYR8N56ue" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,139</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(220</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(767</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40A_eus-gaap--IncomeTaxExpenseBenefit_iT_pn3n3_mtITEBznMo_zPzlQ6qlI4Ii" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt">income tax expense</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(1,557</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,756</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,841</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> On March 27, 2020, the Coronavirus Aid, Relief and Economic Security (“CARES”) Act was adopted, providing wide ranging economic relief for individuals and businesses. One component of the CARES Act provides the Company with an opportunity to carry back net operating losses (“NOLs”) arising from 2018, 2019 and 2020 to the prior five tax years. The Company has such NOLs reflected on its balance sheet as a portion of deferred tax assets. The Company has previously valued its NOLs at the federal corporate income tax rate of 21%. However, the provisions of the CARES Act provide for NOL carryback claims to be calculated based on a rate of 35%, which was the federal corporate tax rate in effect for the carryback years. Consequently, the Company has revalued the benefit from its NOLs to reflect a 35% tax rate. The result of the revaluation of NOLs and other tax adjustments is a net tax benefit of $8.8 million, which is reflected in income taxes for the year ended December 31, 2020. For the year ended December 31, 2018, we recorded income tax expense of $3.8 million 3,841 which include a $<span id="xdx_90B_eus-gaap--IncomeTaxExpenseBenefit_pn3n3_dm_c20180101__20181231__us-gaap--ReasonablyPossibleSignificantChangeInUnrecognizedTaxBenefitsByItemAxis__custom--TaxPlanningStrategiesMember_zE1AOegxWF31" title="Income tax expense (benefit)">2.1 million net tax benefit related to certain tax planning strategies and other adjustments. Without the benefit, income tax expense for 2018 would have been $5.9 million. The tax effected cumulative temporary differences that give rise to deferred tax assets and liabilities as of December 31, 2020 and 2019 are as follows: <table cellpadding="0" cellspacing="0" id="xdx_897_eus-gaap--ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_pn3n3_z9mtfWefaykj" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; background-color: White; border-collapse: collapse; width: 75%; margin-right: auto" summary="xdx: Disclosure - (9) Income Taxes (Details - Deferred taxes)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of deferred tax assets and liabilities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_497_20201231_zMuE9L3Lmv5l" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20191231_zalzHIicGjfl" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_406_eus-gaap--DeferredTaxAssetsNetOfValuationAllowanceAbstract_iB" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Deferred Tax Assets:</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_i01I_pn3n3_d0_maDTAGzAmH_zWVBaoyQlWj2" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 41%; text-align: left">Finance receivables</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">10,930</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities_i01I_pn3n3_maDTAGzAmH_zy3tx3R7uiX" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Accrued liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">541</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">307</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DeferredTaxAssetsOperatingLossCarryforwards_i01I_pn3n3_maDTAGzAmH_ztfPgsJ2B5jh" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">NOL carryforwards</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,470</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,240</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_ecustom--DeferredTaxAssetsBuiltInLosses_i01I_pn3n3_maDTAGzAmH_zPEQxa9awuAc" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Built in losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,312</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,008</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions_i01I_pn3n3_maDTAGzAmH_zVsOvN4EPpW2" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Pension accrual</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,745</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,927</td><td style="text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax_i01I_pn3n3_maDTAGzAmH_z5osbevGrjjj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Stock compensation</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,463</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,385</td><td style="text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsOther_i01I_pn3n3_maDTAGzAmH_zM2QdwuG9ixj" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Lease liability</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,843</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,232</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--DeferredTaxAssetsOther_i01I_pn3n3_maDTAGzAmH_zbKMweOEbtu5" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">46</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">164</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--DeferredTaxAssetsGross_i01TI_pn3n3_mtDTAGzAmH_maDTALNzJVD_zG1ek0nPzCS7" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt; text-align: left; padding-bottom: 1pt">Total deferred tax assets</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">32,350</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">33,263</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--DeferredTaxLiabilitiesAbstract_iB" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Deferred Tax Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DeferredTaxLiabilitiesFinancingArrangements_i01NI_pn3n3_di0_maDITLzud8_zGcHSPVB7Qu3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Finance receivables</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(12,180</td><td style="text-align: left">)</td></tr> <tr id="xdx_407_eus-gaap--DeferredTaxLiabilitiesDeferredExpenseDeferredFinancingCosts_i01NI_pn3n3_di_maDITLzud8_zDzPevpNgIb8" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Deferred loan costs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(205</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(542</td><td style="text-align: left">)</td></tr> <tr id="xdx_400_eus-gaap--DeferredTaxLiabilitiesLeasingArrangements_i01NI_pn3n3_di_maDITLzud8_zB9xXkOtcn84" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Lease right-of-use assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(3,517</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(4,855</td><td style="text-align: left">)</td></tr> <tr id="xdx_40D_eus-gaap--DeferredTaxLiabilitiesPropertyPlantAndEquipment_i01NI_pn3n3_di_maDITLzud8_zSNBPsSksEcd" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Furniture and equipment</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(116</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(206</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_402_eus-gaap--DeferredIncomeTaxLiabilities_i01NTI_pn3n3_di_mtDITLzud8_msDTALNzJVD_zWg0oYuU7j9d" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt; text-align: left; padding-bottom: 1pt">Total deferred tax liabilities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(3,838</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(17,783</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--DeferredTaxAssetsLiabilitiesNet_i01TI_pn3n3_mtDTALNzJVD_z8HOG4D5n9Uk" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt; text-align: left; padding-bottom: 2.5pt">Net deferred tax asset</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">28,512</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">15,480</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> We acquired certain net operating losses and built-in loss assets as part of our acquisitions of MFN Financial Corp. (“MFN”) in 2002 and TFC Enterprises, Inc. (“TFC”) in 2003. Moreover, both MFN and TFC have undergone an ownership change for purposes of Internal Revenue Code (“IRC”) Section 382. In general, IRC Section 382 imposes an annual limitation on the ability of a loss corporation (that is, a corporation with a net operating loss (“NOL”) carryforward, credit carryforward, or certain built-in losses (“BILs”)) to utilize its pre-change NOL carryforwards or BILs to offset taxable income arising after an ownership change. In determining the possible future realization of deferred tax assets, we have considered future taxable income from the following sources: (a) reversal of taxable temporary differences; and (b) tax planning strategies that, if necessary, would be implemented to accelerate taxable income into years in which net operating losses might otherwise expire. Deferred tax assets are recognized subject to management’s judgment that realization is more likely than not. A valuation allowance is recognized for a deferred tax asset if, based on the weight of the available evidence, it is more likely than not that some portion of the deferred tax asset will not be realized. In making such judgements, significant weight is given to evidence that can be objectively verified. Although realization is not assured, we believe that the realization of the recognized net deferred tax asset of $28.5 million 28,512 as of December 31, 2020 is more likely than not based on forecasted future net earnings. Our net deferred tax asset of $28.5 million consists of approximately $17.0 million of net U.S. federal deferred tax assets and $11.5 million of net state deferred tax assets. As of December 31, 2020, we had net operating loss carryforwards for state income tax purposes of $86.8 million. These state net operating losses begin to expire in 2024. We recognize a tax position as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. We recognize potential interest and penalties related to unrecognized tax benefits as income tax expense. At December 31, 2020, we had no unrecognized tax benefits for uncertain tax positions. We are subject to taxation in the US and various state jurisdictions. With few exceptions, we are no longer subject to U.S. federal, state, or local examinations by tax authorities for years before 2017.

<table cellpadding="0" cellspacing="0" id="xdx_890_eus-gaap--ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_pn3n3_zX9IMF9FpXL2" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (9) Income Taxes (Details - Income tax expense)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of income tax expense</td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20200101__20201231_zsDP7B9W4u81" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20190101__20191231_z0KXuGAn8Ql8" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20180101__20181231_zc6c6T47SXfj" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Year Ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2018</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_404_eus-gaap--CurrentFederalTaxExpenseBenefit_maITEBzxwo_zgkQSPT15md1" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 55%; text-align: left">Current federal tax expense</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">(23,576</td><td style="width: 1%; text-align: left">)</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">(574</td><td style="width: 1%; text-align: left">)</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">(7,526</td><td style="width: 1%; text-align: left">)</td></tr> <tr id="xdx_40C_eus-gaap--CurrentStateAndLocalTaxExpenseBenefit_maITEBzxwo_zKm3CWCH6qBf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Current state tax expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">472</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">105</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(2,064</td><td style="text-align: left">)</td></tr> <tr id="xdx_402_eus-gaap--DeferredFederalIncomeTaxExpenseBenefit_maITEBzxwo_zbjom5w29ou8" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Deferred federal tax expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">18,937</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,759</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9,074</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--DeferredStateAndLocalIncomeTaxExpenseBenefit_maITEBzxwo_zbJRcyBRn4Jk" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Deferred state tax expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,610</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,466</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,357</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--IncomeTaxExpenseBenefit_iT_pn3n3_mtITEBzxwo_zJcAwMDB7Jch" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Income tax expense</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(1,557</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,756</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,841</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

-23576000

-574000

-7526000

472000

105000

-2064000

18937000

2759000

9074000

2610000

1466000

4357000

-1557000

3756000

3841000

<table cellpadding="0" cellspacing="0" id="xdx_896_eus-gaap--ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_pn3n3_zz9LC2pzHrvi" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (9) Income Taxes (Details - Tax rate effect)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of reconciliation of income taxes</td><td> </td> <td style="text-align: left"> </td><td id="xdx_494_20200101__20201231_zCf9LVKiNYT7" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20190101__20191231_zK7foJWoyuwg" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20180101__20181231_zdSoVH6xuWO1" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Year Ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2018</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40E_eus-gaap--IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_maITEBzmo4_maITEBznMo_zEO2hNAUD2mk" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 55%; text-align: left">Expense at federal tax rate</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">4,225</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">1,924</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">3,928</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--IncomeTaxReconciliationStateAndLocalIncomeTaxes_maITEBzmo4_maITEBznMo_z90TpFe9MuN9" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">State taxes, net of federal income tax effect</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,505</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,027</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,718</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--IncomeTaxReconciliationNondeductibleExpenseShareBasedCompensationCost_maITEBzmo4_maITEBznMo_zWYczgeLfUVh" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Stock-based compensation</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">35</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">169</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">238</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--IncomeTaxReconciliationNondeductibleExpenseOther_maITEBzmo4_maITEBznMo_zvNBY4cZQ6ab" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Non-deductible expenses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">974</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">856</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">824</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--IncomeTaxReconciliationOperatingLossCarryback_d0_maITEBzmo4_maITEBznMo_zOYiM0cMKPqe" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Net operating loss carryback</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(9,435</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--IncomeTaxReconciliationChangeInEnactedTaxRate_d0_maITEBzmo4_maITEBznMo_zejurtVqpKy6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Effect of change in tax rate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_ecustom--AccountingMethodChange_d0_maITEBzmo4_maITEBznMo_zRxRAjI49zji" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Accounting method change</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(2,100</td><td style="text-align: left">)</td></tr> <tr id="xdx_402_eus-gaap--IncomeTaxReconciliationOtherReconcilingItems_maITEBzmo4_maITEBznMo_zXjtYR8N56ue" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,139</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(220</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(767</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40A_eus-gaap--IncomeTaxExpenseBenefit_iT_pn3n3_mtITEBznMo_zPzlQ6qlI4Ii" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt">income tax expense</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(1,557</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,756</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,841</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

4225000

1924000

3928000

1505000

1027000

1718000

35000

169000

238000

974000

856000

824000

-9435000 0 0

0 0 -2100000

1139000

-220000

-767000

-1557000

3756000

3841000

0.35

8800000

3841000

2100000

<table cellpadding="0" cellspacing="0" id="xdx_897_eus-gaap--ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_pn3n3_z9mtfWefaykj" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; background-color: White; border-collapse: collapse; width: 75%; margin-right: auto" summary="xdx: Disclosure - (9) Income Taxes (Details - Deferred taxes)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of deferred tax assets and liabilities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_497_20201231_zMuE9L3Lmv5l" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20191231_zalzHIicGjfl" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_406_eus-gaap--DeferredTaxAssetsNetOfValuationAllowanceAbstract_iB" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Deferred Tax Assets:</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_i01I_pn3n3_d0_maDTAGzAmH_zWVBaoyQlWj2" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 41%; text-align: left">Finance receivables</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">10,930</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities_i01I_pn3n3_maDTAGzAmH_zy3tx3R7uiX" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Accrued liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">541</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">307</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DeferredTaxAssetsOperatingLossCarryforwards_i01I_pn3n3_maDTAGzAmH_ztfPgsJ2B5jh" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">NOL carryforwards</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,470</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,240</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_ecustom--DeferredTaxAssetsBuiltInLosses_i01I_pn3n3_maDTAGzAmH_zPEQxa9awuAc" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Built in losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,312</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,008</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions_i01I_pn3n3_maDTAGzAmH_zVsOvN4EPpW2" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Pension accrual</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,745</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,927</td><td style="text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax_i01I_pn3n3_maDTAGzAmH_z5osbevGrjjj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Stock compensation</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,463</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,385</td><td style="text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsOther_i01I_pn3n3_maDTAGzAmH_zM2QdwuG9ixj" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Lease liability</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,843</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,232</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--DeferredTaxAssetsOther_i01I_pn3n3_maDTAGzAmH_zbKMweOEbtu5" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">46</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">164</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--DeferredTaxAssetsGross_i01TI_pn3n3_mtDTAGzAmH_maDTALNzJVD_zG1ek0nPzCS7" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt; text-align: left; padding-bottom: 1pt">Total deferred tax assets</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">32,350</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">33,263</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--DeferredTaxLiabilitiesAbstract_iB" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Deferred Tax Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DeferredTaxLiabilitiesFinancingArrangements_i01NI_pn3n3_di0_maDITLzud8_zGcHSPVB7Qu3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Finance receivables</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(12,180</td><td style="text-align: left">)</td></tr> <tr id="xdx_407_eus-gaap--DeferredTaxLiabilitiesDeferredExpenseDeferredFinancingCosts_i01NI_pn3n3_di_maDITLzud8_zDzPevpNgIb8" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Deferred loan costs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(205</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(542</td><td style="text-align: left">)</td></tr> <tr id="xdx_400_eus-gaap--DeferredTaxLiabilitiesLeasingArrangements_i01NI_pn3n3_di_maDITLzud8_zB9xXkOtcn84" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Lease right-of-use assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(3,517</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(4,855</td><td style="text-align: left">)</td></tr> <tr id="xdx_40D_eus-gaap--DeferredTaxLiabilitiesPropertyPlantAndEquipment_i01NI_pn3n3_di_maDITLzud8_zSNBPsSksEcd" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Furniture and equipment</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(116</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(206</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_402_eus-gaap--DeferredIncomeTaxLiabilities_i01NTI_pn3n3_di_mtDITLzud8_msDTALNzJVD_zWg0oYuU7j9d" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt; text-align: left; padding-bottom: 1pt">Total deferred tax liabilities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(3,838</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(17,783</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--DeferredTaxAssetsLiabilitiesNet_i01TI_pn3n3_mtDTALNzJVD_z8HOG4D5n9Uk" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt; text-align: left; padding-bottom: 2.5pt">Net deferred tax asset</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">28,512</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">15,480</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

10930000

541000

307000

7470000

17240000

3312000 4008000

1745000

1927000

4463000

4385000

3843000

5232000

46000

164000

32350000

33263000

-0

12180000

205000

542000

3517000

4855000

116000

206000

3838000

17783000

28512000

15480000

28512000

17000000.0

11500000

86800000

(10) Commitments and Contingencies Leases The Company has operating leases for corporate offices, equipment, software and hardware. The Company has entered into operating leases for the majority of its real estate locations, primarily office space. These leases are generally for periods of three to seven years with various renewal options. The depreciable life of leased assets is limited by the expected lease term. Leases with an initial term of 12 months or less are not recorded on the balance sheet and the related lease expense is recognized on a straight-line basis over the lease term. We determine if a contract contains a lease at contract inception. Right-of-use assets and liabilities are recognized based on the present value of lease payments over the lease term. In determining the present value of lease payments, we use the Company’s incremental borrowing rate. Right-of-use assets are included in other assets and lease liabilities are included in accounts payable and accrued expenses in our Condensed Consolidated Balance Sheet at December 31, 2020. The following table presents the supplemental balance sheet information related to leases: <table cellpadding="0" cellspacing="0" id="xdx_89C_ecustom--SupplementalBalanceSheetInformationRelatedToLeasesTableTextBlock_pn3n3_zEGNwfKw72kd" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto" summary="xdx: Disclosure - (10) Commitments and Contingencies (Details - Supplemental balance sheet information related to leases)"> <tr style="vertical-align: bottom; background-color: White"> <td>Supplemental balance sheet information related to leases</td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20201231_z5kZXjr8FcLk" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20191231_z2b5KjC4JmT3" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr id="xdx_40E_eus-gaap--LeasesOperatingAbstract_iB" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Operating Leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_409_ecustom--OperatingLeaseRightOfUseAssetGross_i01I_pn3n3_maOLROUzoko_zWn5GDRZQ6v" style="vertical-align: bottom; background-color: White"> <td style="width: 44%; text-align: left">Operating lease right-of-use assets</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 14%; text-align: right">23,735</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 14%; text-align: right">23,735</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_407_ecustom--AccumulatedAmortizationRightofuseAssets_i01NI_pn3n3_di_msOLROUzoko_zGOIl4erdnnb" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Less: Accumulated amortization right-of-use assets</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(12,792</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(6,600</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40B_eus-gaap--OperatingLeaseRightOfUseAsset_i01TI_pn3n3_mtOLROUzoko_zGT6IRVUjc33" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Operating lease right-of-use assets, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">10,943</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">17,135</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--OperatingLeaseLiability_i01NI_pn3n3_di_zhhqQqDIlEm6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(12,096</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(18,527</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--FinanceLeasesAbstract_iB" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Finance Leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--FinanceLeaseRightOfUseAssetAtCost_i01I_pn3n3_maFLROUzwb0_z1LtPDJmwp4a" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Property and equipment, at cost</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,407</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">876</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_ecustom--FinanceLeaseRightOfUseAssetAccumulatedDepreciation_i01NI_pn3n3_di_msFLROUzwb0_zzmX18kIY5ha" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Less: Accumulated depreciation</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(1,226</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(150</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40E_eus-gaap--FinanceLeaseRightOfUseAsset_i01TI_pn3n3_mtFLROUzwb0_zg5r4jHj95Md" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Property and equipment, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,181</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">726</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--FinanceLeaseLiability_iNI_pn3n3_di_zLWKeB8S9fB8" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(2,243</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(718</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold">Weighted Average Discount Rate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--OperatingLeaseWeightedAverageDiscountRatePercent_iI_pii_dp_za7dhVEG1Wm1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating lease</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5.0%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5.0%</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--FinanceLeaseWeightedAverageDiscountRatePercent_iI_pii_dp_zi2FQ9mGHzJb" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance lease</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.5%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.4%</td><td style="text-align: left"> </td></tr> </table> <table cellpadding="0" cellspacing="0" id="xdx_898_eus-gaap--LesseeOperatingLeaseLiabilityMaturityTableTextBlock_pn3n3_zc4p3y3LLlYd" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto" summary="xdx: Disclosure - (10) Commitments and Contingencies (Details - Maturities of lease liabilities)"> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 44%">Maturities of leases</td><td style="width: 2%"> </td> <td style="text-align: left; width: 1%"> </td><td style="text-align: right; width: 14%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 2%"> </td> <td style="text-align: left; width: 1%"> </td><td style="text-align: right; width: 14%"> </td><td style="text-align: left; width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Maturities of lease liabilities were as follows:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">(In thousands)</td><td> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: center">Operating</td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: center">Finance</td><td style="font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Year Ending December 31,</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Lease</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Lease</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2021</td><td> </td> <td style="text-align: left">$</td><td id="xdx_98B_eus-gaap--OperatingLeasesFutureMinimumPaymentsDueCurrent_iI_pn3n3_c20201231_zi1dxWKckpG7" style="text-align: right" title="Operating lease maturing 2021">7,458</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98E_eus-gaap--FinanceLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pn3n3_c20201231_z4DbjJLhaGD7" style="text-align: right" title="Finance lease maturing 2021">1,229</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>2022</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--OperatingLeasesFutureMinimumPaymentsDueInTwoYears_iI_pn3n3_c20201231_zKz2pkyU0CG" style="text-align: right" title="Operating lease maturing 2022">6,066</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearTwo_iI_pn3n3_c20201231_zkazdDtluSxk" style="text-align: right" title="Finance lease maturing 2022">1,050</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2023</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--OperatingLeasesFutureMinimumPaymentsDueInThreeYears_iI_pn3n3_c20201231_zUCxav7qlA61" style="text-align: right" title="Operating lease maturing 2023">1,397</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearThree_iI_pn3n3_c20201231_zk4zHe2DgEVb" style="text-align: right" title="Finance lease maturing 2023">84</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>2024</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--OperatingLeasesFutureMinimumPaymentsDueInFourYears_iI_pn3n3_c20201231_zYq1RzG649W7" style="text-align: right" title="Operating lease maturing 2024">419</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFour_iI_pn3n3_c20201231_z4Lf1Q8kxS61" style="text-align: right" title="Finance lease maturing 2024">26</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt">2025</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--OperatingLeasesFutureMinimumPaymentsDueInFiveYears_iI_pn3n3_c20201231_z7cLhC9uV2Y3" style="border-bottom: Black 1pt solid; text-align: right" title="Operating lease maturing 2025">282</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFive_iI_pn3n3_c20201231_zakir1hUh5Uf" style="border-bottom: Black 1pt solid; text-align: right" title="Finance lease maturing 2025">10</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Total undiscounted lease payments</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--OperatingLeasesFutureMinimumPaymentsDue_iI_pn3n3_c20201231_zv86EoxirwRl" style="text-align: right" title="Total undiscounted operating lease payments">15,622</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--FinanceLeaseLiabilityPaymentsDue_iI_pn3n3_c20201231_zdKILvL0fUkb" style="text-align: right" title="Total undiscounted finance lease payments">2,399</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Less amounts representing interest</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_ecustom--OperatingLeasesFutureMinimumPaymentsDueInterest_iNI_pn3n3_di_c20201231_zr4fE23lCecg" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest operating lease">(3,526</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_c20201231_zbEHXolxg26k" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest finance lease">(156</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Lease Liability</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--OperatingLeaseLiability_iI_pn3n3_c20201231_zLwLJiLd2evf" style="border-bottom: Black 2.5pt double; text-align: right" title="Operating Lease Liability">12,096</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--FinanceLeaseLiability_iI_pn3n3_c20201231_z1FcehmHoB8j" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance Lease Liability">2,243</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> The following table presents the leases expense included in Occupancy, General and administrative on our Condensed Consolidated Statement of Operations: <table cellpadding="0" cellspacing="0" id="xdx_892_eus-gaap--LeaseCostTableTextBlock_pn3n3_zJic1FchnnGh" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto" summary="xdx: Disclosure - (10) Commitments and Contingencies (Details - Lease cost)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of lease cost</td><td> </td> <td style="text-align: left"> </td><td id="xdx_499_20200101__20201231_zBoP7pHMMJq6" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20190101__20191231_zifOcjb5etCh" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20180101__20181231_zOm6fR0vLbUf" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">Year Ended December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2018</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_402_eus-gaap--OperatingLeaseCost_maLCzYoY_zv5j46jnO6dc" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 35%; text-align: left">Operating lease cost</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">7,523 </td><td style="width: 1%; text-align: left"/><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">7,521</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">7,124</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40D_ecustom--FinanceLeaseCost_d0_maLCzYoY_z69tWWW7QJTb" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Finance lease cost</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,179</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">160</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">–</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--LeaseCost_iT_pn3n3_mtLCzYoY_z8fN6fwITD07" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt; text-align: left; padding-bottom: 2.5pt">Total lease cost</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">8,702</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,681</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,124</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> The following table presents the supplemental cash flow information related to leases: <table cellpadding="0" cellspacing="0" id="xdx_890_eus-gaap--ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock_pn3n3_zlF2KRDIw3l3" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (10) Commitments and Contingencies (Details - Lease - Cash flow)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Supplemental cash flow information related to leases</td><td> </td> <td style="text-align: left"> </td><td id="xdx_499_20200101__20201231_zRAZKXU1QO3l" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20190101__20191231_zfgqZUHfcob" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20180101__20181231_zBklgHwbngZ1" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">Year Ended December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2018</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_405_ecustom--CashPaidForAmountsIncludedInMeasurementOfLeaseLiabilitiesAbstract_iB" style="vertical-align: bottom"> <td style="font-weight: bold">Cash paid for amounts included in the measurement of lease liabilities:</td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr id="xdx_40B_eus-gaap--OperatingLeasePayments_i01_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 55%; text-align: left">Operating cash flows from operating leases</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">7,762</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">7,584</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">6,809</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--FinanceLeasePrincipalPayments_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating cash flows from finance leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,007</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">133</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">37</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_ecustom--FinancingCashFlowsFromFinanceLeases_i01_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Financing cash flows from finance leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">172</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">27</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9</td><td style="text-align: left"> </td></tr> </table> Legal Proceedings Consumer Litigation. We are routinely involved in various legal proceedings resulting from our consumer finance activities and practices, both continuing and discontinued. Consumers can and do initiate lawsuits against us alleging violations of law applicable to collection of receivables, and such lawsuits sometimes allege that resolution as a class action is appropriate. For the most part, we have legal and factual defenses to consumer claims, which we routinely contest or settle (for immaterial amounts) depending on the particular circumstances of each case. Wage and Hour Claim. On September 24, 2018, a former employee filed a lawsuit against us in the Superior Court of Orange County, California, alleging that we incorrectly classified our sales representatives as outside salespersons exempt from overtime wages, mandatory break periods and certain other employee protective provisions of California and federal law. The complaint seeks injunctive relief, an award of unpaid wages, liquidated damages, and attorney fees and interest. The plaintiff purports to act on behalf of a class of similarly situated employees and ex-employees. As of the date of this report, no motion for class certification has been filed or granted. We believe that our compensation practices with respect to our sales representatives are compliant with applicable law. Accordingly, we have defended and intend to continue to defend this lawsuit. We have not recorded a liability with respect to this claim on the accompanying consolidated financial statements. In General. There can be no assurance as to the outcomes of the matters described or referenced above. We record at each measurement date, most recently as of December 31, 2020, our best estimate of probable incurred losses for legal contingencies, including the matters identified above, and consumer claims. The amount of losses that may ultimately be incurred cannot be estimated with certainty. However, based on such information as is available to us, we believe that the total of probable incurred losses for legal contingencies as of December 31, 2020 is immaterial, and that the range of reasonably possible losses for the legal proceedings and contingencies we face, including those described or identified above, as of December 31, 2020 does not exceed $3 million. Accordingly, we believe that the ultimate resolution of such legal proceedings and contingencies should not have a material adverse effect on our consolidated financial condition. We note, however, that in light of the uncertainties inherent in contested proceedings there can be no assurance that the ultimate resolution of these matters will not be material to our operating results for a particular period, depending on, among other factors, the size of the loss or liability imposed and the level of our income for that period.

<table cellpadding="0" cellspacing="0" id="xdx_89C_ecustom--SupplementalBalanceSheetInformationRelatedToLeasesTableTextBlock_pn3n3_zEGNwfKw72kd" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto" summary="xdx: Disclosure - (10) Commitments and Contingencies (Details - Supplemental balance sheet information related to leases)"> <tr style="vertical-align: bottom; background-color: White"> <td>Supplemental balance sheet information related to leases</td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20201231_z5kZXjr8FcLk" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20191231_z2b5KjC4JmT3" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr id="xdx_40E_eus-gaap--LeasesOperatingAbstract_iB" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Operating Leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_409_ecustom--OperatingLeaseRightOfUseAssetGross_i01I_pn3n3_maOLROUzoko_zWn5GDRZQ6v" style="vertical-align: bottom; background-color: White"> <td style="width: 44%; text-align: left">Operating lease right-of-use assets</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 14%; text-align: right">23,735</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 14%; text-align: right">23,735</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_407_ecustom--AccumulatedAmortizationRightofuseAssets_i01NI_pn3n3_di_msOLROUzoko_zGOIl4erdnnb" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Less: Accumulated amortization right-of-use assets</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(12,792</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(6,600</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40B_eus-gaap--OperatingLeaseRightOfUseAsset_i01TI_pn3n3_mtOLROUzoko_zGT6IRVUjc33" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Operating lease right-of-use assets, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">10,943</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">17,135</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--OperatingLeaseLiability_i01NI_pn3n3_di_zhhqQqDIlEm6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(12,096</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(18,527</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--FinanceLeasesAbstract_iB" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Finance Leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--FinanceLeaseRightOfUseAssetAtCost_i01I_pn3n3_maFLROUzwb0_z1LtPDJmwp4a" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Property and equipment, at cost</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,407</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">876</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_ecustom--FinanceLeaseRightOfUseAssetAccumulatedDepreciation_i01NI_pn3n3_di_msFLROUzwb0_zzmX18kIY5ha" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Less: Accumulated depreciation</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(1,226</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(150</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40E_eus-gaap--FinanceLeaseRightOfUseAsset_i01TI_pn3n3_mtFLROUzwb0_zg5r4jHj95Md" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Property and equipment, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,181</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">726</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--FinanceLeaseLiability_iNI_pn3n3_di_zLWKeB8S9fB8" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(2,243</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(718</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold">Weighted Average Discount Rate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--OperatingLeaseWeightedAverageDiscountRatePercent_iI_pii_dp_za7dhVEG1Wm1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating lease</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5.0%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5.0%</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--FinanceLeaseWeightedAverageDiscountRatePercent_iI_pii_dp_zi2FQ9mGHzJb" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance lease</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.5%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6.4%</td><td style="text-align: left"> </td></tr> </table> 23735000 23735000 12792000 6600000

10943000

17135000

12096000

18527000

3407000 876000 1226000 150000

2181000

726000

2243000

718000

0.050

0.065

0.064

<table cellpadding="0" cellspacing="0" id="xdx_898_eus-gaap--LesseeOperatingLeaseLiabilityMaturityTableTextBlock_pn3n3_zc4p3y3LLlYd" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto" summary="xdx: Disclosure - (10) Commitments and Contingencies (Details - Maturities of lease liabilities)"> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 44%">Maturities of leases</td><td style="width: 2%"> </td> <td style="text-align: left; width: 1%"> </td><td style="text-align: right; width: 14%"> </td><td style="text-align: left; width: 1%"> </td><td style="width: 2%"> </td> <td style="text-align: left; width: 1%"> </td><td style="text-align: right; width: 14%"> </td><td style="text-align: left; width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Maturities of lease liabilities were as follows:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">(In thousands)</td><td> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: center">Operating</td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: center">Finance</td><td style="font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Year Ending December 31,</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Lease</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Lease</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2021</td><td> </td> <td style="text-align: left">$</td><td id="xdx_98B_eus-gaap--OperatingLeasesFutureMinimumPaymentsDueCurrent_iI_pn3n3_c20201231_zi1dxWKckpG7" style="text-align: right" title="Operating lease maturing 2021">7,458</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98E_eus-gaap--FinanceLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pn3n3_c20201231_z4DbjJLhaGD7" style="text-align: right" title="Finance lease maturing 2021">1,229</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>2022</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--OperatingLeasesFutureMinimumPaymentsDueInTwoYears_iI_pn3n3_c20201231_zKz2pkyU0CG" style="text-align: right" title="Operating lease maturing 2022">6,066</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearTwo_iI_pn3n3_c20201231_zkazdDtluSxk" style="text-align: right" title="Finance lease maturing 2022">1,050</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2023</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--OperatingLeasesFutureMinimumPaymentsDueInThreeYears_iI_pn3n3_c20201231_zUCxav7qlA61" style="text-align: right" title="Operating lease maturing 2023">1,397</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearThree_iI_pn3n3_c20201231_zk4zHe2DgEVb" style="text-align: right" title="Finance lease maturing 2023">84</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>2024</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--OperatingLeasesFutureMinimumPaymentsDueInFourYears_iI_pn3n3_c20201231_zYq1RzG649W7" style="text-align: right" title="Operating lease maturing 2024">419</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFour_iI_pn3n3_c20201231_z4Lf1Q8kxS61" style="text-align: right" title="Finance lease maturing 2024">26</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt">2025</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--OperatingLeasesFutureMinimumPaymentsDueInFiveYears_iI_pn3n3_c20201231_z7cLhC9uV2Y3" style="border-bottom: Black 1pt solid; text-align: right" title="Operating lease maturing 2025">282</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFive_iI_pn3n3_c20201231_zakir1hUh5Uf" style="border-bottom: Black 1pt solid; text-align: right" title="Finance lease maturing 2025">10</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Total undiscounted lease payments</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--OperatingLeasesFutureMinimumPaymentsDue_iI_pn3n3_c20201231_zv86EoxirwRl" style="text-align: right" title="Total undiscounted operating lease payments">15,622</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--FinanceLeaseLiabilityPaymentsDue_iI_pn3n3_c20201231_zdKILvL0fUkb" style="text-align: right" title="Total undiscounted finance lease payments">2,399</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Less amounts representing interest</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_ecustom--OperatingLeasesFutureMinimumPaymentsDueInterest_iNI_pn3n3_di_c20201231_zr4fE23lCecg" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest operating lease">(3,526</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_c20201231_zbEHXolxg26k" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest finance lease">(156</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Lease Liability</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--OperatingLeaseLiability_iI_pn3n3_c20201231_zLwLJiLd2evf" style="border-bottom: Black 2.5pt double; text-align: right" title="Operating Lease Liability">12,096</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--FinanceLeaseLiability_iI_pn3n3_c20201231_z1FcehmHoB8j" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance Lease Liability">2,243</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

7458000

1229000

6066000

1050000

1397000

84000

419000

26000

282000

10000

15622000

2399000

3526000

156000

12096000

2243000

<table cellpadding="0" cellspacing="0" id="xdx_892_eus-gaap--LeaseCostTableTextBlock_pn3n3_zJic1FchnnGh" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto" summary="xdx: Disclosure - (10) Commitments and Contingencies (Details - Lease cost)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of lease cost</td><td> </td> <td style="text-align: left"> </td><td id="xdx_499_20200101__20201231_zBoP7pHMMJq6" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20190101__20191231_zifOcjb5etCh" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20180101__20181231_zOm6fR0vLbUf" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">Year Ended December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2018</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_402_eus-gaap--OperatingLeaseCost_maLCzYoY_zv5j46jnO6dc" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 35%; text-align: left">Operating lease cost</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">7,523 </td><td style="width: 1%; text-align: left"/><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">7,521</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">7,124</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40D_ecustom--FinanceLeaseCost_d0_maLCzYoY_z69tWWW7QJTb" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Finance lease cost</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,179</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">160</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">–</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--LeaseCost_iT_pn3n3_mtLCzYoY_z8fN6fwITD07" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt; text-align: left; padding-bottom: 2.5pt">Total lease cost</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">8,702</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,681</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,124</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

7523000

7521000

7124000

1179000 160000 0

8702000

7681000

7124000

<table cellpadding="0" cellspacing="0" id="xdx_890_eus-gaap--ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock_pn3n3_zlF2KRDIw3l3" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (10) Commitments and Contingencies (Details - Lease - Cash flow)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Supplemental cash flow information related to leases</td><td> </td> <td style="text-align: left"> </td><td id="xdx_499_20200101__20201231_zRAZKXU1QO3l" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20190101__20191231_zfgqZUHfcob" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20180101__20181231_zBklgHwbngZ1" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">Year Ended December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2018</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_405_ecustom--CashPaidForAmountsIncludedInMeasurementOfLeaseLiabilitiesAbstract_iB" style="vertical-align: bottom"> <td style="font-weight: bold">Cash paid for amounts included in the measurement of lease liabilities:</td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2" style="text-align: right"> </td><td> </td></tr> <tr id="xdx_40B_eus-gaap--OperatingLeasePayments_i01_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 55%; text-align: left">Operating cash flows from operating leases</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">7,762</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">7,584</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 11%; text-align: right">6,809</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--FinanceLeasePrincipalPayments_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating cash flows from finance leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,007</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">133</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">37</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_ecustom--FinancingCashFlowsFromFinanceLeases_i01_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Financing cash flows from finance leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">172</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">27</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9</td><td style="text-align: left"> </td></tr> </table>

7762000

7584000

6809000

1007000

133000

37000

172000 27000 9000

(11) Employee Benefits We sponsor a pretax savings and profit sharing plan (the “401(k) Plan”) qualified under Section 401(k) of the Internal Revenue Code. Under the 401(k) Plan, eligible employees are able to contribute up to the maximum allowed under the law. We may, at our discretion, match 100% of employees’ contributions up to $2,000 per employee per calendar year. Our matching contributions to the 401(k) Plan were $1.4 million, $1.6 million, and $1.5 respectively, for the years ended December 31, 2020, 2019 and 2018. We also sponsor a defined benefit plan, the MFN Financial Corporation Pension Plan (the “Plan”). The Plan benefits were frozen on June 30, 2001. The following tables represents a reconciliation of the change in the plan’s benefit obligations, fair value of plan assets, and funded status at December 31, 2020 and 2019: <table cellpadding="0" cellspacing="0" id="xdx_899_eus-gaap--ScheduleOfChangesInProjectedBenefitObligationsTableTextBlock_pn3n3_zhfUqJRN1RH5" style="font: 10pt Times New Roman, Times, Serif; background-color: White; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (11) Employee Benefits (Details - Reconciliation)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of reconciliation of the change in the plan's benefit obligations</td><td> </td> <td style="text-align: left"> </td><td id="xdx_499_20200101__20201231_zjw4HdaSpbVf" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20190101__20191231_zHEUtTGFFrei" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_406_eus-gaap--DefinedBenefitPlanChangeInBenefitObligationRollForward_iB" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Change in Projected Benefit Obligation</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--DefinedBenefitPlanBenefitObligation_i01S_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 66%; text-align: left">Projected benefit obligation, beginning of year</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">22,997</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">20,085</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--DefinedBenefitPlanServiceCost_i01_pn3n3_d0_zqTO9ebXB956" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Service cost</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--DefinedBenefitPlanInterestCost_i01_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Interest cost</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">693</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">808</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--DefinedBenefitPlanPlanAmendments_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Assumption changes</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,418</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,047</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--DefinedBenefitPlanActuarialGainLoss_i01_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Actuarial (gain) loss</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(89</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">141</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--DefinedBenefitPlanSettlementsBenefitObligation_i01_pn3n3_d0_zCioUhcYcRRe" style="vertical-align: bottom; background-color: White"> <td>Settlements</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--DefinedBenefitPlanBenefitObligationBenefitsPaid_i01N_pn3n3_di_zNmG3ADlsKvk" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Benefits paid</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(1,341</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(1,084</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_403_eus-gaap--DefinedBenefitPlanBenefitObligation_i01E_pn3n3_z9F434VWneoi" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt; text-align: left">Projected benefit obligation, end of year</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">24,678</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">22,997</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_iB" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Change in Plan Assets</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_i01S_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Fair value of plan assets, beginning of year</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">15,910</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">14,368</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--DefinedBenefitPlanActualReturnOnPlanAssets_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Return on assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,775</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,017</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--DefinedBenefitPlanContributionsByEmployer_i01_pn3n3_d0_z3oDtqGqZDNl" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Employer contribution</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,161</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--DefinedBenefitPlanAdministrationExpenses_i01N_pn3n3_di_zNsPz3ErqfP9" style="vertical-align: bottom; background-color: White"> <td>Expenses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(340</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(391</td><td style="text-align: left">)</td></tr> <tr id="xdx_40F_eus-gaap--DefinedBenefitPlanSettlementsPlanAssets_i01_pn3n3_d0_zzOqoKfpic4e" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>Settlements</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--DefinedBenefitPlanPlanAssetsBenefitsPaid_i01N_pn3n3_di_ziP0W4u1Pw18" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Benefits paid</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(1,341</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(1,084</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_401_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_i01E_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt; text-align: left">Fair value of plan assets, end of year</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">18,165</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">15,910</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Funded Status at end of year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--DefinedBenefitPlanFundedStatusOfPlan_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Funded Status at end of year">(6,513</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--DefinedBenefitPlanFundedStatusOfPlan_c20191231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Funded Status at end of year">(7,087</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> </table> Additional Information Weighted average assumptions used to determine benefit obligations and cost at December 31, 2020 and 2019 were as follows: <table cellpadding="0" cellspacing="0" id="xdx_892_eus-gaap--ScheduleOfAssumptionsUsedTableTextBlock_zDNuS3zsAQSl" style="font: 10pt Times New Roman, Times, Serif; background-color: White; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (11) Employee Benefits (Details - Weighted average assumptions)"> <tr style="vertical-align: bottom; background-color: White"> <td>Schedule of weighted average assumptions used to determine pension benefit obligations</td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20200101__20201231_zpvr022BWCD3" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_497_20190101__20191231_zpWxmqOnw5Af" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December, 31</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_40E_eus-gaap--DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract_iB" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Weighted average assumptions used to determine benefit obligations</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 66%; text-align: left">Discount rate</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_986_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate_c20201231_pii" style="width: 13%; text-align: right" title="Discount rate">2.28%</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate_c20191231_pii" style="width: 13%; text-align: right" title="Discount rate">3.07%</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract_iB" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Weighted average assumptions used to determine net periodic benefit cost</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate_i01_pii_dp_zTDSX0bPo1Of" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Discount rate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3.07%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4.11%</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets_i01_pii_dp_zxVNfYELAjda" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Expected return on plan assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7.25%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7.25%</td><td style="text-align: left"> </td></tr> </table> Our overall expected long-term rate of return on assets is 7.25% per annum as of December 31, 2020. The expected long-term rate of return is based on the weighted average of historical returns on individual asset categories, which are described in more detail below. <table cellpadding="0" cellspacing="0" id="xdx_898_eus-gaap--ScheduleOfNetBenefitCostsTableTextBlock_pn3n3_zmMXFdqqQFSc" style="font: 10pt Times New Roman, Times, Serif; background-color: White; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (11) Employee Benefits (Details - Amounts recognized)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of components of net periodic benefit cost</td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20200101__20201231_zT7EnHT8riDl" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_497_20190101__20191231_zD3XsWQ4jd2l" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_499_20180101__20181231_zAMSpGyYoRGe" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2018</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40C_eus-gaap--DefinedBenefitPlanAmountsRecognizedInBalanceSheetAbstract_iB" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Amounts recognized on Consolidated Balance Sheet</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Other assets</td><td> </td> <td style="text-align: left">$</td><td id="xdx_987_eus-gaap--DefinedBenefitPlanAssetsForPlanBenefitsNoncurrent_i01I_pn3n3_d0_c20201231_zgsBRGGkHOIh" style="text-align: right" title="Other assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_eus-gaap--DefinedBenefitPlanAssetsForPlanBenefitsNoncurrent_i01I_pn3n3_d0_c20191231_zp2kLG1Pla42" style="text-align: right" title="Other assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanAssetsForPlanBenefitsNoncurrent_i01I_pn3n3_d0_c20181231_zbzTqulIzQSa" style="text-align: right" title="Other assets">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 55%; text-align: left; padding-bottom: 1pt">Other liabilities</td><td style="width: 2%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td id="xdx_98E_eus-gaap--PensionAndOtherPostretirementDefinedBenefitPlansLiabilitiesCurrentAndNoncurrent_i01NI_pn3n3_di_c20201231_z564U6VsrkS4" style="border-bottom: Black 1pt solid; width: 11%; text-align: right" title="Other liabilities">(6,513</td><td style="width: 1%; padding-bottom: 1pt; text-align: left">)</td><td style="width: 2%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td id="xdx_983_eus-gaap--PensionAndOtherPostretirementDefinedBenefitPlansLiabilitiesCurrentAndNoncurrent_i01NI_pn3n3_di_c20191231_zwXofvM4m3l7" style="border-bottom: Black 1pt solid; width: 11%; text-align: right" title="Other liabilities">(7,087</td><td style="width: 1%; padding-bottom: 1pt; text-align: left">)</td><td style="width: 2%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td id="xdx_981_eus-gaap--PensionAndOtherPostretirementDefinedBenefitPlansLiabilitiesCurrentAndNoncurrent_i01NI_pn3n3_di_c20181231_zeENbbENVD71" style="border-bottom: Black 1pt solid; width: 11%; text-align: right" title="Other liabilities">(5,717</td><td style="width: 1%; padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt; text-align: left; padding-bottom: 2.5pt">Net amount recognized</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--DefinedBenefitPlanAmountsRecognizedInBalanceSheet_i01I_pn3n3_c20201231_zwoTDyD7xdod" style="border-bottom: Black 2.5pt double; text-align: right" title="Net amount recognized">(6,513</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--DefinedBenefitPlanAmountsRecognizedInBalanceSheet_i01I_pn3n3_c20191231_zmhKzUhOtjhe" style="border-bottom: Black 2.5pt double; text-align: right" title="Net amount recognized">(7,087</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanAmountsRecognizedInBalanceSheet_i01I_pn3n3_c20181231_zllrRVQKnwEj" style="border-bottom: Black 2.5pt double; text-align: right" title="Net amount recognized">(5,717</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract_iB" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Amounts recognized in accumulated other comprehensive loss consists of:</td><td style="font-weight: bold"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Net loss</td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax_i01I_pn3n3_c20201231_zXh9mSHmXBkd" style="text-align: right" title="Net loss">13,297</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_983_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax_i01I_pn3n3_c20191231_zRJT0mPw41ad" style="text-align: right" title="Net loss">13,092</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax_i01I_pn3n3_c20181231_zSuzXvbm4g0d" style="text-align: right" title="Net loss">11,896</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Unrecognized transition asset</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsBeforeTax_i01I_pn3n3_d0_c20201231_zu8Q5PhX3C18" style="border-bottom: Black 1pt solid; text-align: right" title="Unrecognized transition asset">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsBeforeTax_i01I_pn3n3_d0_c20191231_z1Ii99y3SI0j" style="border-bottom: Black 1pt solid; text-align: right" title="Unrecognized transition asset">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsBeforeTax_i01I_pn3n3_d0_c20181231_z61BYFRuBi41" style="border-bottom: Black 1pt solid; text-align: right" title="Unrecognized transition asset">–</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt; text-align: left; padding-bottom: 2.5pt">Net amount recognized</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax_i01I_pn3n3_c20201231_zDoFSWq1VMnh" style="border-bottom: Black 2.5pt double; text-align: right" title="Net amount recognized">13,297</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax_i01I_pn3n3_c20191231_zWBg9S73rKm3" style="border-bottom: Black 2.5pt double; text-align: right" title="Net amount recognized">13,092</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax_i01I_pn3n3_c20181231_zaWdBP8TQmMb" style="border-bottom: Black 2.5pt double; text-align: right" title="Net amount recognized">11,896</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DefinedBenefitPlanNetPeriodicBenefitCostAbstract_iB" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Components of net periodic benefit cost</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--DefinedBenefitPlanInterestCost_i01_pn3n3_maDBPOCz9ql_zhAp3AQ99hB6" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Interest cost</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">693</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">808</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">775</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--DefinedBenefitPlanExpectedReturnOnPlanAssets_i01N_pn3n3_di_msDBPOCz9ql_z9frixNseevj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Expected return on assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,150</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,012</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,163</td><td style="text-align: left">)</td></tr> <tr id="xdx_40E_eus-gaap--DefinedBenefitPlanAmortizationOfTransitionAssetObligation_i01_pn3n3_d0_msDBPOCz9ql_zaKhqNUmB0Gi" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Amortization of transition asset</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--DefinedBenefitPlanAmortizationOfGainsLosses_i01N_pn3n3_di_msDBPOCz9ql_zesEPd0DmWxf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Amortization of net loss</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">839</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">376</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">443</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--DefinedBenefitPlanOtherCosts_i01T_pn3n3_mtDBPOCz9ql_maDBPNPzFDf_zoFo6wxwcni3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Net periodic benefit cost</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">382</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">172</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">55</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--DefinedBenefitPlanRecognizedNetGainLossDueToSettlements1_i01_pn3n3_d0_msDBPNPzFDf_zfdOdP1cs2He" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Settlement (gain)/loss</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">–</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--DefinedBenefitPlanNetPeriodicBenefitCost_i01T_pn3n3_mtDBPNPzFDf_zIGmcRKuPGKi" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt; padding-bottom: 2.5pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">382</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">172</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">55</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract_iB" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Benefit Obligation Recognized in Other Comprehensive Loss (Income)</td><td style="font-weight: bold"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossNetGainLossBeforeTax_i01_pn3n3_msARINPzoxa_znyeLZJLdT8b" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Net loss (gain)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">205</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,197</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">545</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax_i01_pn3n3_d0_maARINPzoxa_zpouFoszlAC1" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Prior service cost (credit)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--DefinedBenefitPlanAmortizationOfPriorServiceCostCredit_i01_pn3n3_d0_maARINPzoxa_zLnn05Lbbz6h" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Amortization of prior service cost</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">–</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax_i01_pn3n3_zfG0t18LzK85" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt; text-align: left; padding-bottom: 2.5pt">Net amount recognized in other comprehensive loss (income)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">205</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,197</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">545</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> The estimated net loss that will be amortized from accumulated other comprehensive income into net periodic benefit cost in 2020 is $<span id="xdx_906_eus-gaap--AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax_iI_pn3p0_c20201231_z2qkYXVvRL0g" title="Estimated net loss amortized into net periodic benefit cost">148,000. The weighted average asset allocation of our pension benefits at December 31, 2020 and 2019 were as follows: <table cellpadding="0" cellspacing="0" id="xdx_891_ecustom--WeightedAverageAssetAllocationOfOurPensionBenefitsTableTextBlock_zSPgrl9wQVrg" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (11) Employee Benefits (Details - Asset allocation)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of weighted average asset allocation of our pension benefits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Weighted Average Asset Allocation at Year-End</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Asset Category</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 66%; text-align: left">Equity securities</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_987_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--EquitySecuritiesMember_pii" style="width: 13%; text-align: right" title="Weighted Average Asset Allocation at Year-End">82%</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_c20191231__us-gaap--FinancialInstrumentAxis__us-gaap--EquitySecuritiesMember_pii" style="width: 13%; text-align: right" title="Weighted Average Asset Allocation at Year-End">82%</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Debt securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_pii" style="text-align: right" title="Weighted Average Asset Allocation at Year-End">18%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_c20191231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_pii" style="text-align: right" title="Weighted Average Asset Allocation at Year-End">18%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Cash and cash equivalents</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_c20201231__us-gaap--InvestmentTypeAxis__us-gaap--CashAndCashEquivalentsMember_pii" style="border-bottom: Black 1pt solid; text-align: right" title="Weighted Average Asset Allocation at Year-End">0%</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_c20191231__us-gaap--InvestmentTypeAxis__us-gaap--CashAndCashEquivalentsMember_pii" style="border-bottom: Black 1pt solid; text-align: right" title="Weighted Average Asset Allocation at Year-End">0%</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt; padding-bottom: 2.5pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_989_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_c20201231_pii" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted Average Asset Allocation at Year-End">100%</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_986_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_c20191231_pii" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted Average Asset Allocation at Year-End">100%</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> Our investment policies and strategies for the pension benefits plan utilize a target allocation of 75% equity securities and 25% fixed income securities (excluding Company stock). Our investment goals are to maximize returns subject to specific risk management policies. We address risk management and diversification by the use of a professional investment advisor and several sub-advisors which invest in domestic and international equity securities and domestic fixed income securities. Each sub-advisor focuses its investments within a specific sector of the equity or fixed income market. For the sub-advisors focused on the equity markets, the sectors are differentiated by the market capitalization, the relative valuation and the location of the underlying issuer. For the sub-advisors focused on the fixed income markets, the sectors are differentiated by the credit quality and the maturity of the underlying fixed income investment. The investments made by the sub-advisors are readily marketable and can be sold to fund benefit payment obligations as they become payable. <table cellpadding="0" cellspacing="0" id="xdx_897_eus-gaap--ScheduleOfExpectedBenefitPaymentsTableTextBlock_pn3n3_zHhwp8yjaAzg" style="font: 10pt Times New Roman, Times, Serif; background-color: White; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (11) Employee Benefits (Details - Estimated future benefit payments)"> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Schedule of estimated Future Benefit Payments</td><td> </td> <td style="text-align: left"> </td><td id="xdx_49A_20201231_zZCcEK789ffi" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Cash Flows</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract_iB" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Estimated Future Benefit Payments (In thousands)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 83%; text-align: left">2021</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">896</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2022</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">933</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2023</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">957</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2024</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">983</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2025</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,026</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Years 2026 - 2029</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,678</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsRemainderOfFiscalYear_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Anticipated Contributions in 2021</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">522</td><td style="text-align: left"> </td></tr> </table> The fair value of plan assets at December 31, 2020 and 2019, by asset category, is as follows: <table cellpadding="0" cellspacing="0" id="xdx_899_eus-gaap--ScheduleOfChangesInFairValueOfPlanAssetsTableTextBlock_pn3n3_zJTw3oZwlAN2" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (11) Employee Benefits (Details - Fair value of plan assets)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of fair value of plan assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="14" style="font-weight: bold; text-align: center">December 31, 2020</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1 (1)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2 (2)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3 (3)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Investment Name:</td><td style="font-weight: bold"> </td> <td colspan="14" style="font-weight: bold; text-align: center">(in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 40%; text-align: left">Company Common Stock</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember_fKDEp_zgYkodMI2hu3" style="width: 11%; text-align: right" title="Fair value of plan assets">3,811</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember_fKDIp_z0rkRjsTFdF1" style="width: 11%; text-align: right" title="Fair value of plan assets">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember_fKDMp_zm6WaP4vvwGh" style="width: 11%; text-align: right" title="Fair value of plan assets">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember_pn3n3" style="width: 11%; text-align: right" title="Fair value of plan assets">3,811</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>Large Cap Value</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember_fKDEp_zXYvWldAy6Eg" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember_fKDIp_zMXQjz5mqSz9" style="text-align: right" title="Fair value of plan assets">2,523</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember_fKDMp_zgf7nr4s63hj" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember_pn3n3" style="text-align: right" title="Fair value of plan assets">2,523</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Mid Cap Index</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember_fKDEp_zJ4SbBYp0OO6" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember_fKDIp_z7WCdnB62ve3" style="text-align: right" title="Fair value of plan assets">757</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember_fKDMp_zR1EyVporrJd" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember_pn3n3" style="padding-left: 10pt; text-align: right" title="Fair value of plan assets">757</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Small Cap Growth</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember_fKDEp_zsO8e6KFw0pl" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember_fKDIp_zKyzspd4IZuh" style="text-align: right" title="Fair value of plan assets">765</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember_fKDMp_z38bG21CVuy9" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember_pn3n3" style="text-align: right" title="Fair value of plan assets">765</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>Small Cap Value</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember_fKDEp_zfiCnqpFA9Bh" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember_fKDIp_zvQJkCxHzZl2" style="padding-left: 10pt; text-align: right" title="Fair value of plan assets">785</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember_fKDMp_zYqVo5GoJgm5" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember_pn3n3" style="text-align: right" title="Fair value of plan assets">785</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Large Cap Blend</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember_fKDEp_z3lzQtbpIWUa" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember_fKDIp_zCCVfEegmaFb" style="text-align: right" title="Fair value of plan assets">691</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember_fKDMp_zhmU3rNgst0d" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember_pn3n3" style="text-align: right" title="Fair value of plan assets">691</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>Growth</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember_fKDEp_zUs5bSGsiQ42" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember_fKDIp_zMn2XQC5WA4j" style="text-align: right" title="Fair value of plan assets">2,342</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember_fKDMp_zaDmPhGT6G3j" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember_pn3n3" style="text-align: right" title="Fair value of plan assets">2,342</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">International Growth</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember_fKDEp_z6nujFr7Chla" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember_fKDIp_zaRDqVxrPpQ3" style="text-align: right" title="Fair value of plan assets">3,003</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember_fKDMp_zFy0T3VIOPsk" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember_pn3n3" style="text-align: right" title="Fair value of plan assets">3,003</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Core Bond</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember_fKDEp_zlaDPEEEhx1l" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember_fKDIp_zVGlsXeTKYqk" style="text-align: right" title="Fair value of plan assets">1,809</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember_fKDMp_zoHa8eDKHUXl" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember_pn3n3" style="text-align: right" title="Fair value of plan assets">1,809</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">High Yield</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember_fKDEp_zb6Ahk9aZlP5" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember_fKDIp_zQShhtgWGZb1" style="text-align: right" title="Fair value of plan assets">381</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember_fKDMp_zXxPhsfy8e61" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember_pn3n3" style="text-align: right" title="Fair value of plan assets">381</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Inflation Protected Bond</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember_fKDEp_z8Bmpuanlhyb" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember_fKDIp_z6CH7MCbL0T3" style="text-align: right" title="Fair value of plan assets">485</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember_fKDMp_zxbnn7NKs0Kj" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember_pn3n3" style="text-align: right" title="Fair value of plan assets">485</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Money Market</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember_fKDEp_zHImiStpTbzk" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of plan assets">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember_fKDIp_zxsaJS8LcaZa" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of plan assets">813</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember_fKDMp_zlYo1FXoZG9l" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of plan assets">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of plan assets">813</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt; padding-bottom: 2.5pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zgAUccK6hlE3" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">3,811</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zYgbPMFUFfOi" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">14,354</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zBUP5eNQbIN3" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">–</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">18,165</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="14" style="font-weight: bold; text-align: center">December 31, 2019</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1 (1)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2 (2)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3 (3)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Investment Name:</td><td style="font-weight: bold"> </td> <td colspan="14" style="font-weight: bold; text-align: center">(in thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 40%; text-align: left">Company Common Stock</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember_fKDEp_zhNtD8M6S745" style="width: 11%; text-align: right" title="Fair value of plan assets">2,950</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember_fKDIp_zFxOM5YW8He" style="width: 11%; text-align: right" title="Fair value of plan assets">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember_fKDMp_zPwAMt5tMwla" style="width: 11%; text-align: right" title="Fair value of plan assets">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember_pn3n3" style="width: 11%; text-align: right" title="Fair value of plan assets">2,950</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>Large Cap Value</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember_fKDEp_zyLzfxjZ8ND7" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember_fKDIp_zMyxIcZbsash" style="text-align: right" title="Fair value of plan assets">2,370</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember_fKDMp_zM3dcIfn53A4" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember_pn3n3" style="text-align: right" title="Fair value of plan assets">2,370</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Mid Cap Index</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember_fKDEp_zSY7ggK0tHuj" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember_fKDIp_zwyZKwXDke25" style="text-align: right" title="Fair value of plan assets">658</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember_fKDMp_zDk4P47NIMr5" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember_pn3n3" style="text-align: right" title="Fair value of plan assets">658</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Small Cap Growth</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember_fKDEp_zpDeosJcSQld" style="padding-left: 10pt; text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember_fKDIp_zbL579ODQMMb" style="text-align: right" title="Fair value of plan assets">655</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember_fKDMp_zkNVfXk90qha" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember_pn3n3" style="text-align: right" title="Fair value of plan assets">655</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>Small Cap Value</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember_fKDEp_zn67RgZKZZn7" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember_fKDIp_z45cgVCXXtPf" style="text-align: right" title="Fair value of plan assets">674</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember_fKDMp_zB1zmhZwqsYl" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember_pn3n3" style="text-align: right" title="Fair value of plan assets">674</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Large Cap Blend</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember_fKDEp_zd3h2BIlDBwb" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember_fKDIp_zbz1zFdEFLsf" style="text-align: right" title="Fair value of plan assets">683</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember_fKDMp_zSzVvMrVlDhd" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember_pn3n3" style="text-align: right" title="Fair value of plan assets">683</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>Growth</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember_fKDEp_zhlbUBVKy2c1" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember_fKDIp_z3nDh36YkZQ3" style="text-align: right" title="Fair value of plan assets">2,342</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember_fKDMp_zB7fmqWmhol4" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember_pn3n3" style="text-align: right" title="Fair value of plan assets">2,342</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">International Growth</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember_fKDEp_zrPNuIdYXQd" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember_fKDIp_z2Tp1tXSkQ8" style="text-align: right" title="Fair value of plan assets">2,667</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember_fKDMp_z8PthMC82x7f" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember_pn3n3" style="text-align: right" title="Fair value of plan assets">2,667</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Core Bond</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember_fKDEp_zL7Onxk1440f" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember_fKDIp_zGKpiqjaRO76" style="text-align: right" title="Fair value of plan assets">1,909</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember_fKDMp_zUSM1SYnYUr5" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember_pn3n3" style="text-align: right" title="Fair value of plan assets">1,909</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">High Yield</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember_fKDEp_zltIczIOWGCi" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember_fKDIpXQ_____ztUJCqPSN2da" style="text-align: right" title="Fair value of plan assets">386</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember_fKDMp_zW13iAuR3mpa" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember_pn3n3" style="text-align: right" title="Fair value of plan assets">386</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Inflation Protected Bond</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember_fKDEp_zvRLXidDJ8m3" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember_fKDIpXQ_____zUqVhPytNmkd" style="text-align: right" title="Fair value of plan assets">509</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember_fKDMp_zpeXd2vNr7xi" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember_pn3n3" style="text-align: right" title="Fair value of plan assets">509</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Money Market</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember_fKDEp_zA2utCfjxM6h" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of plan assets">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember_fKDIp_zClJjLP89wi" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of plan assets">107</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember_fKDMp_zV4fPhgGyUTg" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of plan assets">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of plan assets">107</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt; padding-left: 10pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zqIhIlYjpcbf" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">2,950</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zPcmiHtCBe51" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">12,960</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMpXQ_____z093iWSvprpd" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">–</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">15,910</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> ________________________ <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 22.5pt"/><td style="width: 18pt">(1)</td><td>Company common stock is classified as level 1 and valued using quoted prices in active markets for identical assets. </td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 22.5pt"/><td style="width: 18pt">(2)</td><td>All other plan assets in stock, bond and money market funds are classified as level 2 and valued using significant observable inputs.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 22.5pt"/><td style="width: 18pt">(3)</td><td>There are no plan assets classified as level 3 in the fair value hierarchy as a result of having significant unobservable inputs. </td></tr></table>

1400000

1600000

1500000

<table cellpadding="0" cellspacing="0" id="xdx_899_eus-gaap--ScheduleOfChangesInProjectedBenefitObligationsTableTextBlock_pn3n3_zhfUqJRN1RH5" style="font: 10pt Times New Roman, Times, Serif; background-color: White; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (11) Employee Benefits (Details - Reconciliation)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of reconciliation of the change in the plan's benefit obligations</td><td> </td> <td style="text-align: left"> </td><td id="xdx_499_20200101__20201231_zjw4HdaSpbVf" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20190101__20191231_zHEUtTGFFrei" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_406_eus-gaap--DefinedBenefitPlanChangeInBenefitObligationRollForward_iB" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Change in Projected Benefit Obligation</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--DefinedBenefitPlanBenefitObligation_i01S_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 66%; text-align: left">Projected benefit obligation, beginning of year</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">22,997</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">20,085</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--DefinedBenefitPlanServiceCost_i01_pn3n3_d0_zqTO9ebXB956" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Service cost</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--DefinedBenefitPlanInterestCost_i01_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Interest cost</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">693</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">808</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--DefinedBenefitPlanPlanAmendments_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Assumption changes</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,418</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,047</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--DefinedBenefitPlanActuarialGainLoss_i01_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Actuarial (gain) loss</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(89</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">141</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--DefinedBenefitPlanSettlementsBenefitObligation_i01_pn3n3_d0_zCioUhcYcRRe" style="vertical-align: bottom; background-color: White"> <td>Settlements</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--DefinedBenefitPlanBenefitObligationBenefitsPaid_i01N_pn3n3_di_zNmG3ADlsKvk" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Benefits paid</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(1,341</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(1,084</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_403_eus-gaap--DefinedBenefitPlanBenefitObligation_i01E_pn3n3_z9F434VWneoi" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt; text-align: left">Projected benefit obligation, end of year</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">24,678</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">22,997</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_iB" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Change in Plan Assets</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_i01S_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Fair value of plan assets, beginning of year</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">15,910</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">14,368</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--DefinedBenefitPlanActualReturnOnPlanAssets_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Return on assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,775</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,017</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--DefinedBenefitPlanContributionsByEmployer_i01_pn3n3_d0_z3oDtqGqZDNl" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Employer contribution</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,161</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--DefinedBenefitPlanAdministrationExpenses_i01N_pn3n3_di_zNsPz3ErqfP9" style="vertical-align: bottom; background-color: White"> <td>Expenses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(340</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(391</td><td style="text-align: left">)</td></tr> <tr id="xdx_40F_eus-gaap--DefinedBenefitPlanSettlementsPlanAssets_i01_pn3n3_d0_zzOqoKfpic4e" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>Settlements</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--DefinedBenefitPlanPlanAssetsBenefitsPaid_i01N_pn3n3_di_ziP0W4u1Pw18" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Benefits paid</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(1,341</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(1,084</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_401_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_i01E_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt; text-align: left">Fair value of plan assets, end of year</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">18,165</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">15,910</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Funded Status at end of year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--DefinedBenefitPlanFundedStatusOfPlan_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Funded Status at end of year">(6,513</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--DefinedBenefitPlanFundedStatusOfPlan_c20191231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Funded Status at end of year">(7,087</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> </table>

22997000

20085000

693000

808000

2418000

3047000

-89000

141000

1341000

1084000

24678000

22997000

15910000

14368000

2775000

3017000

1161000

340000

391000

1341000

1084000

18165000

15910000

-6513000

-7087000

<table cellpadding="0" cellspacing="0" id="xdx_892_eus-gaap--ScheduleOfAssumptionsUsedTableTextBlock_zDNuS3zsAQSl" style="font: 10pt Times New Roman, Times, Serif; background-color: White; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (11) Employee Benefits (Details - Weighted average assumptions)"> <tr style="vertical-align: bottom; background-color: White"> <td>Schedule of weighted average assumptions used to determine pension benefit obligations</td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20200101__20201231_zpvr022BWCD3" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_497_20190101__20191231_zpWxmqOnw5Af" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December, 31</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_40E_eus-gaap--DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingBenefitObligationAbstract_iB" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Weighted average assumptions used to determine benefit obligations</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 66%; text-align: left">Discount rate</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_986_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate_c20201231_pii" style="width: 13%; text-align: right" title="Discount rate">2.28%</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate_c20191231_pii" style="width: 13%; text-align: right" title="Discount rate">3.07%</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--DefinedBenefitPlanWeightedAverageAssumptionsUsedInCalculatingNetPeriodicBenefitCostAbstract_iB" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Weighted average assumptions used to determine net periodic benefit cost</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate_i01_pii_dp_zTDSX0bPo1Of" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Discount rate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3.07%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4.11%</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets_i01_pii_dp_zxVNfYELAjda" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Expected return on plan assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7.25%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7.25%</td><td style="text-align: left"> </td></tr> </table>

0.0228

0.0307

0.0411

0.0725

<table cellpadding="0" cellspacing="0" id="xdx_898_eus-gaap--ScheduleOfNetBenefitCostsTableTextBlock_pn3n3_zmMXFdqqQFSc" style="font: 10pt Times New Roman, Times, Serif; background-color: White; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (11) Employee Benefits (Details - Amounts recognized)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of components of net periodic benefit cost</td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20200101__20201231_zT7EnHT8riDl" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_497_20190101__20191231_zD3XsWQ4jd2l" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_499_20180101__20181231_zAMSpGyYoRGe" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2018</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40C_eus-gaap--DefinedBenefitPlanAmountsRecognizedInBalanceSheetAbstract_iB" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Amounts recognized on Consolidated Balance Sheet</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Other assets</td><td> </td> <td style="text-align: left">$</td><td id="xdx_987_eus-gaap--DefinedBenefitPlanAssetsForPlanBenefitsNoncurrent_i01I_pn3n3_d0_c20201231_zgsBRGGkHOIh" style="text-align: right" title="Other assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_eus-gaap--DefinedBenefitPlanAssetsForPlanBenefitsNoncurrent_i01I_pn3n3_d0_c20191231_zp2kLG1Pla42" style="text-align: right" title="Other assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanAssetsForPlanBenefitsNoncurrent_i01I_pn3n3_d0_c20181231_zbzTqulIzQSa" style="text-align: right" title="Other assets">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 55%; text-align: left; padding-bottom: 1pt">Other liabilities</td><td style="width: 2%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td id="xdx_98E_eus-gaap--PensionAndOtherPostretirementDefinedBenefitPlansLiabilitiesCurrentAndNoncurrent_i01NI_pn3n3_di_c20201231_z564U6VsrkS4" style="border-bottom: Black 1pt solid; width: 11%; text-align: right" title="Other liabilities">(6,513</td><td style="width: 1%; padding-bottom: 1pt; text-align: left">)</td><td style="width: 2%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td id="xdx_983_eus-gaap--PensionAndOtherPostretirementDefinedBenefitPlansLiabilitiesCurrentAndNoncurrent_i01NI_pn3n3_di_c20191231_zwXofvM4m3l7" style="border-bottom: Black 1pt solid; width: 11%; text-align: right" title="Other liabilities">(7,087</td><td style="width: 1%; padding-bottom: 1pt; text-align: left">)</td><td style="width: 2%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left"> </td><td id="xdx_981_eus-gaap--PensionAndOtherPostretirementDefinedBenefitPlansLiabilitiesCurrentAndNoncurrent_i01NI_pn3n3_di_c20181231_zeENbbENVD71" style="border-bottom: Black 1pt solid; width: 11%; text-align: right" title="Other liabilities">(5,717</td><td style="width: 1%; padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt; text-align: left; padding-bottom: 2.5pt">Net amount recognized</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--DefinedBenefitPlanAmountsRecognizedInBalanceSheet_i01I_pn3n3_c20201231_zwoTDyD7xdod" style="border-bottom: Black 2.5pt double; text-align: right" title="Net amount recognized">(6,513</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--DefinedBenefitPlanAmountsRecognizedInBalanceSheet_i01I_pn3n3_c20191231_zmhKzUhOtjhe" style="border-bottom: Black 2.5pt double; text-align: right" title="Net amount recognized">(7,087</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanAmountsRecognizedInBalanceSheet_i01I_pn3n3_c20181231_zllrRVQKnwEj" style="border-bottom: Black 2.5pt double; text-align: right" title="Net amount recognized">(5,717</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract_iB" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Amounts recognized in accumulated other comprehensive loss consists of:</td><td style="font-weight: bold"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Net loss</td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax_i01I_pn3n3_c20201231_zXh9mSHmXBkd" style="text-align: right" title="Net loss">13,297</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_983_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax_i01I_pn3n3_c20191231_zRJT0mPw41ad" style="text-align: right" title="Net loss">13,092</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax_i01I_pn3n3_c20181231_zSuzXvbm4g0d" style="text-align: right" title="Net loss">11,896</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Unrecognized transition asset</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsBeforeTax_i01I_pn3n3_d0_c20201231_zu8Q5PhX3C18" style="border-bottom: Black 1pt solid; text-align: right" title="Unrecognized transition asset">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsBeforeTax_i01I_pn3n3_d0_c20191231_z1Ii99y3SI0j" style="border-bottom: Black 1pt solid; text-align: right" title="Unrecognized transition asset">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsBeforeTax_i01I_pn3n3_d0_c20181231_z61BYFRuBi41" style="border-bottom: Black 1pt solid; text-align: right" title="Unrecognized transition asset">–</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt; text-align: left; padding-bottom: 2.5pt">Net amount recognized</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax_i01I_pn3n3_c20201231_zDoFSWq1VMnh" style="border-bottom: Black 2.5pt double; text-align: right" title="Net amount recognized">13,297</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax_i01I_pn3n3_c20191231_zWBg9S73rKm3" style="border-bottom: Black 2.5pt double; text-align: right" title="Net amount recognized">13,092</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax_i01I_pn3n3_c20181231_zaWdBP8TQmMb" style="border-bottom: Black 2.5pt double; text-align: right" title="Net amount recognized">11,896</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DefinedBenefitPlanNetPeriodicBenefitCostAbstract_iB" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Components of net periodic benefit cost</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--DefinedBenefitPlanInterestCost_i01_pn3n3_maDBPOCz9ql_zhAp3AQ99hB6" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Interest cost</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">693</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">808</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">775</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--DefinedBenefitPlanExpectedReturnOnPlanAssets_i01N_pn3n3_di_msDBPOCz9ql_z9frixNseevj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Expected return on assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,150</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,012</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,163</td><td style="text-align: left">)</td></tr> <tr id="xdx_40E_eus-gaap--DefinedBenefitPlanAmortizationOfTransitionAssetObligation_i01_pn3n3_d0_msDBPOCz9ql_zaKhqNUmB0Gi" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Amortization of transition asset</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--DefinedBenefitPlanAmortizationOfGainsLosses_i01N_pn3n3_di_msDBPOCz9ql_zesEPd0DmWxf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Amortization of net loss</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">839</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">376</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">443</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--DefinedBenefitPlanOtherCosts_i01T_pn3n3_mtDBPOCz9ql_maDBPNPzFDf_zoFo6wxwcni3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Net periodic benefit cost</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">382</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">172</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">55</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--DefinedBenefitPlanRecognizedNetGainLossDueToSettlements1_i01_pn3n3_d0_msDBPNPzFDf_zfdOdP1cs2He" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Settlement (gain)/loss</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">–</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--DefinedBenefitPlanNetPeriodicBenefitCost_i01T_pn3n3_mtDBPNPzFDf_zIGmcRKuPGKi" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt; padding-bottom: 2.5pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">382</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">172</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">55</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract_iB" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Benefit Obligation Recognized in Other Comprehensive Loss (Income)</td><td style="font-weight: bold"> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossNetGainLossBeforeTax_i01_pn3n3_msARINPzoxa_znyeLZJLdT8b" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Net loss (gain)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">205</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,197</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">545</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax_i01_pn3n3_d0_maARINPzoxa_zpouFoszlAC1" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Prior service cost (credit)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--DefinedBenefitPlanAmortizationOfPriorServiceCostCredit_i01_pn3n3_d0_maARINPzoxa_zLnn05Lbbz6h" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Amortization of prior service cost</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">–</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax_i01_pn3n3_zfG0t18LzK85" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt; text-align: left; padding-bottom: 2.5pt">Net amount recognized in other comprehensive loss (income)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">205</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,197</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">545</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

6513000

7087000

5717000

-6513000

-7087000

-5717000

13297000

13092000

11896000

13297000

13092000

11896000

693000

808000

775000

1150000

1012000

1163000

-839000

-376000

-443000

382000

172000

55000

382000

172000

55000

205000

1197000

545000

205000

1197000

545000

148000

<table cellpadding="0" cellspacing="0" id="xdx_891_ecustom--WeightedAverageAssetAllocationOfOurPensionBenefitsTableTextBlock_zSPgrl9wQVrg" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (11) Employee Benefits (Details - Asset allocation)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of weighted average asset allocation of our pension benefits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Weighted Average Asset Allocation at Year-End</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Asset Category</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 66%; text-align: left">Equity securities</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_987_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--EquitySecuritiesMember_pii" style="width: 13%; text-align: right" title="Weighted Average Asset Allocation at Year-End">82%</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_c20191231__us-gaap--FinancialInstrumentAxis__us-gaap--EquitySecuritiesMember_pii" style="width: 13%; text-align: right" title="Weighted Average Asset Allocation at Year-End">82%</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Debt securities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_pii" style="text-align: right" title="Weighted Average Asset Allocation at Year-End">18%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_c20191231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_pii" style="text-align: right" title="Weighted Average Asset Allocation at Year-End">18%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Cash and cash equivalents</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_c20201231__us-gaap--InvestmentTypeAxis__us-gaap--CashAndCashEquivalentsMember_pii" style="border-bottom: Black 1pt solid; text-align: right" title="Weighted Average Asset Allocation at Year-End">0%</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_c20191231__us-gaap--InvestmentTypeAxis__us-gaap--CashAndCashEquivalentsMember_pii" style="border-bottom: Black 1pt solid; text-align: right" title="Weighted Average Asset Allocation at Year-End">0%</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt; padding-bottom: 2.5pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_989_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_c20201231_pii" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted Average Asset Allocation at Year-End">100%</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_986_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_c20191231_pii" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted Average Asset Allocation at Year-End">100%</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

0.82

0.18

<table cellpadding="0" cellspacing="0" id="xdx_897_eus-gaap--ScheduleOfExpectedBenefitPaymentsTableTextBlock_pn3n3_zHhwp8yjaAzg" style="font: 10pt Times New Roman, Times, Serif; background-color: White; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (11) Employee Benefits (Details - Estimated future benefit payments)"> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Schedule of estimated Future Benefit Payments</td><td> </td> <td style="text-align: left"> </td><td id="xdx_49A_20201231_zZCcEK789ffi" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Cash Flows</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--DefinedBenefitPlanEstimatedFutureBenefitPaymentsAbstract_iB" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Estimated Future Benefit Payments (In thousands)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 83%; text-align: left">2021</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">896</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2022</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">933</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2023</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">957</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2024</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">983</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2025</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,026</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Years 2026 - 2029</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,678</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsRemainderOfFiscalYear_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Anticipated Contributions in 2021</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">522</td><td style="text-align: left"> </td></tr> </table>

896000

933000

957000

983000

1026000

5678000

522000

<table cellpadding="0" cellspacing="0" id="xdx_899_eus-gaap--ScheduleOfChangesInFairValueOfPlanAssetsTableTextBlock_pn3n3_zJTw3oZwlAN2" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (11) Employee Benefits (Details - Fair value of plan assets)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of fair value of plan assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="14" style="font-weight: bold; text-align: center">December 31, 2020</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1 (1)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2 (2)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3 (3)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Investment Name:</td><td style="font-weight: bold"> </td> <td colspan="14" style="font-weight: bold; text-align: center">(in thousands)</td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 40%; text-align: left">Company Common Stock</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember_fKDEp_zgYkodMI2hu3" style="width: 11%; text-align: right" title="Fair value of plan assets">3,811</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember_fKDIp_z0rkRjsTFdF1" style="width: 11%; text-align: right" title="Fair value of plan assets">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember_fKDMp_zm6WaP4vvwGh" style="width: 11%; text-align: right" title="Fair value of plan assets">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember_pn3n3" style="width: 11%; text-align: right" title="Fair value of plan assets">3,811</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>Large Cap Value</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember_fKDEp_zXYvWldAy6Eg" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember_fKDIp_zMXQjz5mqSz9" style="text-align: right" title="Fair value of plan assets">2,523</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember_fKDMp_zgf7nr4s63hj" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember_pn3n3" style="text-align: right" title="Fair value of plan assets">2,523</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Mid Cap Index</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember_fKDEp_zJ4SbBYp0OO6" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember_fKDIp_z7WCdnB62ve3" style="text-align: right" title="Fair value of plan assets">757</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember_fKDMp_zR1EyVporrJd" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember_pn3n3" style="padding-left: 10pt; text-align: right" title="Fair value of plan assets">757</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Small Cap Growth</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember_fKDEp_zsO8e6KFw0pl" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember_fKDIp_zKyzspd4IZuh" style="text-align: right" title="Fair value of plan assets">765</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember_fKDMp_z38bG21CVuy9" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember_pn3n3" style="text-align: right" title="Fair value of plan assets">765</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>Small Cap Value</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember_fKDEp_zfiCnqpFA9Bh" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember_fKDIp_zvQJkCxHzZl2" style="padding-left: 10pt; text-align: right" title="Fair value of plan assets">785</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember_fKDMp_zYqVo5GoJgm5" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember_pn3n3" style="text-align: right" title="Fair value of plan assets">785</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Large Cap Blend</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember_fKDEp_z3lzQtbpIWUa" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember_fKDIp_zCCVfEegmaFb" style="text-align: right" title="Fair value of plan assets">691</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember_fKDMp_zhmU3rNgst0d" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember_pn3n3" style="text-align: right" title="Fair value of plan assets">691</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>Growth</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember_fKDEp_zUs5bSGsiQ42" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember_fKDIp_zMn2XQC5WA4j" style="text-align: right" title="Fair value of plan assets">2,342</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember_fKDMp_zaDmPhGT6G3j" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember_pn3n3" style="text-align: right" title="Fair value of plan assets">2,342</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">International Growth</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember_fKDEp_z6nujFr7Chla" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember_fKDIp_zaRDqVxrPpQ3" style="text-align: right" title="Fair value of plan assets">3,003</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember_fKDMp_zFy0T3VIOPsk" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember_pn3n3" style="text-align: right" title="Fair value of plan assets">3,003</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Core Bond</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember_fKDEp_zlaDPEEEhx1l" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember_fKDIp_zVGlsXeTKYqk" style="text-align: right" title="Fair value of plan assets">1,809</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember_fKDMp_zoHa8eDKHUXl" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember_pn3n3" style="text-align: right" title="Fair value of plan assets">1,809</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">High Yield</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember_fKDEp_zb6Ahk9aZlP5" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember_fKDIp_zQShhtgWGZb1" style="text-align: right" title="Fair value of plan assets">381</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember_fKDMp_zXxPhsfy8e61" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember_pn3n3" style="text-align: right" title="Fair value of plan assets">381</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Inflation Protected Bond</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember_fKDEp_z8Bmpuanlhyb" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember_fKDIp_z6CH7MCbL0T3" style="text-align: right" title="Fair value of plan assets">485</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember_fKDMp_zxbnn7NKs0Kj" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember_pn3n3" style="text-align: right" title="Fair value of plan assets">485</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Money Market</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember_fKDEp_zHImiStpTbzk" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of plan assets">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember_fKDIp_zxsaJS8LcaZa" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of plan assets">813</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember_fKDMp_zlYo1FXoZG9l" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of plan assets">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of plan assets">813</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt; padding-bottom: 2.5pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zgAUccK6hlE3" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">3,811</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zYgbPMFUFfOi" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">14,354</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zBUP5eNQbIN3" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">–</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">18,165</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="14" style="font-weight: bold; text-align: center">December 31, 2019</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1 (1)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2 (2)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3 (3)</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Investment Name:</td><td style="font-weight: bold"> </td> <td colspan="14" style="font-weight: bold; text-align: center">(in thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 40%; text-align: left">Company Common Stock</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember_fKDEp_zhNtD8M6S745" style="width: 11%; text-align: right" title="Fair value of plan assets">2,950</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember_fKDIp_zFxOM5YW8He" style="width: 11%; text-align: right" title="Fair value of plan assets">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember_fKDMp_zPwAMt5tMwla" style="width: 11%; text-align: right" title="Fair value of plan assets">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember_pn3n3" style="width: 11%; text-align: right" title="Fair value of plan assets">2,950</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>Large Cap Value</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember_fKDEp_zyLzfxjZ8ND7" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember_fKDIp_zMyxIcZbsash" style="text-align: right" title="Fair value of plan assets">2,370</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember_fKDMp_zM3dcIfn53A4" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember_pn3n3" style="text-align: right" title="Fair value of plan assets">2,370</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Mid Cap Index</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember_fKDEp_zSY7ggK0tHuj" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember_fKDIp_zwyZKwXDke25" style="text-align: right" title="Fair value of plan assets">658</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember_fKDMp_zDk4P47NIMr5" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember_pn3n3" style="text-align: right" title="Fair value of plan assets">658</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Small Cap Growth</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember_fKDEp_zpDeosJcSQld" style="padding-left: 10pt; text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember_fKDIp_zbL579ODQMMb" style="text-align: right" title="Fair value of plan assets">655</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember_fKDMp_zkNVfXk90qha" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember_pn3n3" style="text-align: right" title="Fair value of plan assets">655</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>Small Cap Value</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember_fKDEp_zn67RgZKZZn7" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember_fKDIp_z45cgVCXXtPf" style="text-align: right" title="Fair value of plan assets">674</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember_fKDMp_zB1zmhZwqsYl" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember_pn3n3" style="text-align: right" title="Fair value of plan assets">674</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Large Cap Blend</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember_fKDEp_zd3h2BIlDBwb" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember_fKDIp_zbz1zFdEFLsf" style="text-align: right" title="Fair value of plan assets">683</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember_fKDMp_zSzVvMrVlDhd" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember_pn3n3" style="text-align: right" title="Fair value of plan assets">683</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>Growth</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember_fKDEp_zhlbUBVKy2c1" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember_fKDIp_z3nDh36YkZQ3" style="text-align: right" title="Fair value of plan assets">2,342</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember_fKDMp_zB7fmqWmhol4" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember_pn3n3" style="text-align: right" title="Fair value of plan assets">2,342</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">International Growth</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember_fKDEp_zrPNuIdYXQd" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember_fKDIp_z2Tp1tXSkQ8" style="text-align: right" title="Fair value of plan assets">2,667</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember_fKDMp_z8PthMC82x7f" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember_pn3n3" style="text-align: right" title="Fair value of plan assets">2,667</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Core Bond</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember_fKDEp_zL7Onxk1440f" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember_fKDIp_zGKpiqjaRO76" style="text-align: right" title="Fair value of plan assets">1,909</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember_fKDMp_zUSM1SYnYUr5" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember_pn3n3" style="text-align: right" title="Fair value of plan assets">1,909</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">High Yield</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember_fKDEp_zltIczIOWGCi" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember_fKDIpXQ_____ztUJCqPSN2da" style="text-align: right" title="Fair value of plan assets">386</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember_fKDMp_zW13iAuR3mpa" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember_pn3n3" style="text-align: right" title="Fair value of plan assets">386</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Inflation Protected Bond</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember_fKDEp_zvRLXidDJ8m3" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember_fKDIpXQ_____zUqVhPytNmkd" style="text-align: right" title="Fair value of plan assets">509</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember_fKDMp_zpeXd2vNr7xi" style="text-align: right" title="Fair value of plan assets">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember_pn3n3" style="text-align: right" title="Fair value of plan assets">509</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Money Market</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember_fKDEp_zA2utCfjxM6h" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of plan assets">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember_fKDIp_zClJjLP89wi" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of plan assets">107</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember_fKDMp_zV4fPhgGyUTg" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of plan assets">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of plan assets">107</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt; padding-left: 10pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zqIhIlYjpcbf" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">2,950</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zPcmiHtCBe51" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">12,960</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20191231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMpXQ_____z093iWSvprpd" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">–</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20191231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">15,910</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> ________________________ <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 22.5pt"/><td style="width: 18pt">(1)</td><td>Company common stock is classified as level 1 and valued using quoted prices in active markets for identical assets. </td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 22.5pt"/><td style="width: 18pt">(2)</td><td>All other plan assets in stock, bond and money market funds are classified as level 2 and valued using significant observable inputs.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 22.5pt"/><td style="width: 18pt">(3)</td><td>There are no plan assets classified as level 3 in the fair value hierarchy as a result of having significant unobservable inputs. </td></tr></table>

3811000

2523000

757000

765000

785000

691000

2342000

3003000

1809000

381000

485000

813000

3811000

14354000

18165000

2950000

2370000

658000

655000

674000

683000

2342000

2667000

1909000

386000

509000

107000

2950000

12960000

15910000

(12) Fair Value Measurements ASC 820, "Fair Value Measurements" clarifies the principle that fair value should be based on the assumptions market participants would use when pricing an asset or liability and establishes a fair value hierarchy that prioritizes the information used to develop those assumptions. Under the standard, fair value measurements are separately disclosed by level within the fair value hierarchy. ASC 820 defines fair value, establishes a framework for measuring fair value, establishes a three-level valuation hierarchy for disclosure of fair value measurement and enhances disclosure requirements for fair value measurements. The three levels are defined as follows: level 1 - inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets; level 2 – inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument; and level 3 – inputs to the valuation methodology are unobservable and significant to the fair value measurement. Effective January 2018 we have elected to use the fair value method to value our portfolio of finance receivables acquired in January 2018 and thereafter. Our valuation policies and procedures have been developed by our Accounting department in conjunction with our Risk department and with consultation with outside valuation experts. Our policies and procedures have been approved by our Chief Executive and our Board of Directors and include methodologies for valuation, internal reporting, calibration and back testing. Our periodic review of valuations includes an analysis of changes in fair value measurements and documentation of the reasons for such changes. There is little available third-party information such as broker quotes or pricing services available to assist us in our valuation process. Our level 3, unobservable inputs reflect our own assumptions about the factors that market participants use in pricing similar receivables and are based on the best information available in the circumstances. They include such inputs as estimates for the magnitude and timing of net charge-offs and the rate of amortization of the portfolio of finance receivable. Significant changes in any of those inputs in isolation would have a significant impact on our fair value measurement. The table below presents a reconciliation of the finance receivables measured at fair value on a recurring basis using significant unobservable inputs: <table cellpadding="0" cellspacing="0" id="xdx_893_eus-gaap--FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_pn3n3_zyftEZznfH9l" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto" summary="xdx: Disclosure - (12) Fair Value Measurements (Details - Reconciliation of Finance Receivables)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of reconciliation of the finance receivables measured at fair value on a recurring basis</td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20200101__20201231_zEYCmhtpK6w6" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20190101__20191231_zCm8zAhRZVqi" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Twelve Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_402_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 46%">Balance at beginning of period</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,444,038</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">821,066</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--PaymentsToAcquireFinanceReceivables_i_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Finance receivables at fair value acquired during period</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">739,734</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,004,194</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_ecustom--PaymentsOnFinanceReceivablesAtFairValue_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Payments received on finance receivables at fair value</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(496,747</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(292,948</td><td style="text-align: left">)</td></tr> <tr id="xdx_40E_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_i_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Net interest income accretion on fair value receivables</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(133,771</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(90,383</td><td style="text-align: left">)</td></tr> <tr id="xdx_405_ecustom--MarkToFairValue_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Mark to fair value</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(29,528</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,109</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt">Balance at end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,523,726</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,444,038</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> The table below compares the fair values of these finance receivables to their contractual balances for the periods shown: <table cellpadding="0" cellspacing="0" id="xdx_89D_ecustom--ScheduleOfFinanceReceivablesToTheirContractualBalancesTableTextBlock_pn3n3_zSoEIEXV1Xp4" style="font: 10pt Times New Roman, Times, Serif; background-color: White; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (12) Fair Value Measurements (Details - Finance Receivables to Their Contractual Balances)"> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Schedule of finance receivables to their contractual balances</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Contractual</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Fair</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Contractual</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Fair</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="14" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="width: 40%; font-weight: bold"> </td><td style="width: 2%; font-weight: bold"> </td> <td style="width: 1%; font-weight: bold; text-align: left"> </td><td style="width: 11%; font-weight: bold; text-align: right"> </td><td style="width: 1%; font-weight: bold; text-align: left"> </td><td style="width: 2%; font-weight: bold"> </td> <td style="width: 1%; font-weight: bold; text-align: left"> </td><td style="width: 11%; font-weight: bold; text-align: right"> </td><td style="width: 1%; font-weight: bold; text-align: left"> </td><td style="width: 2%; font-weight: bold"> </td> <td style="width: 1%; font-weight: bold; text-align: left"> </td><td style="width: 11%; font-weight: bold; text-align: right"> </td><td style="width: 1%; font-weight: bold; text-align: left"> </td><td style="width: 2%; font-weight: bold"> </td> <td style="width: 1%; font-weight: bold; text-align: left"> </td><td style="width: 11%; font-weight: bold; text-align: right"> </td><td style="width: 1%; font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance receivables measured at fair value</td><td> </td> <td style="text-align: left">$</td><td id="xdx_982_eus-gaap--ReceivablesFairValueDisclosure_c20201231__us-gaap--SecuritiesFinancingTransactionAxis__custom--ContractualBalanceMember_pn3n3" style="text-align: right" title="Finance receivables measured at fair value">1,668,076</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_980_eus-gaap--ReceivablesFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--PortionAtFairValueFairValueDisclosureMember_pn3n3" style="text-align: right" title="Finance receivables measured at fair value">1,523,726</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98B_eus-gaap--ReceivablesFairValueDisclosure_c20191231__us-gaap--SecuritiesFinancingTransactionAxis__custom--ContractualBalanceMember_pn3n3" style="text-align: right" title="Finance receivables measured at fair value">1,492,803</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_eus-gaap--ReceivablesFairValueDisclosure_c20191231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--PortionAtFairValueFairValueDisclosureMember_pn3n3" style="text-align: right" title="Finance receivables measured at fair value">1,444,038</td><td style="text-align: left"> </td></tr> </table> The following table provides certain qualitative information about our level 3 fair value measurements: <table cellpadding="0" cellspacing="0" id="xdx_893_eus-gaap--ScheduleOfEffectOfSignificantUnobservableInputsChangesInPlanAssetsTableTextBlock_pn3n3_z0w79ogDqFme" style="font: 10pt Times New Roman, Times, Serif; background-color: White; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (12) Fair Value Measurements (Details - Level 3 Fair Value Measurements)"> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Schedule of level 3 fair value measurements</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td> </td> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; font-weight: bold">Financial Instrument</td><td style="padding-bottom: 1pt; font-weight: bold"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Values as of</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Inputs as of</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td><td> </td> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Unobservable Inputs</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td> </td> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td> </td> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left; width: 28%">Finance receivables measured at fair value</td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%">$</td><td id="xdx_98A_eus-gaap--ReceivablesFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--PortionAtFairValueFairValueDisclosureMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pn3n3" style="text-align: right; width: 9%" title="Finance receivables measured at fair value">1,523,726</td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%">$</td><td id="xdx_983_eus-gaap--ReceivablesFairValueDisclosure_c20191231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--PortionAtFairValueFairValueDisclosureMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pn3n3" style="text-align: right; width: 9%" title="Finance receivables measured at fair value">1,444,038</td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: center; width: 15%">Discount rate</td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td style="text-align: center; width: 13%"><span id="xdx_901_ecustom--FairValueUnobservableInputsPercentage_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--PortionAtFairValueFairValueDisclosureMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--MeasurementInputTypeAxis__us-gaap--MeasurementInputDiscountRateMember__srt--RangeAxis__srt--MinimumMember_pii" style="font-size: 10pt">10.4% - <span id="xdx_903_ecustom--FairValueUnobservableInputsPercentage_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--PortionAtFairValueFairValueDisclosureMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--MeasurementInputTypeAxis__us-gaap--MeasurementInputDiscountRateMember__srt--RangeAxis__srt--MaximumMember_pii">11.1%</td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td style="text-align: center; width: 13%"><span id="xdx_90E_ecustom--FairValueUnobservableInputsPercentage_c20191231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--PortionAtFairValueFairValueDisclosureMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--MeasurementInputTypeAxis__us-gaap--MeasurementInputDiscountRateMember__srt--RangeAxis__srt--MinimumMember_pii" style="font-size: 10pt">8.9% - <span id="xdx_90C_ecustom--FairValueUnobservableInputsPercentage_c20191231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--PortionAtFairValueFairValueDisclosureMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--MeasurementInputTypeAxis__us-gaap--MeasurementInputDiscountRateMember__srt--RangeAxis__srt--MaximumMember_pii">11.1%</td><td style="text-align: left; width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">Cumulative net losses</td><td> </td> <td> </td> <td style="text-align: center"><span id="xdx_90C_ecustom--FairValueUnobservableInputsPercentage_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--PortionAtFairValueFairValueDisclosureMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--MeasurementInputTypeAxis__custom--MeasurementInputCumulativeNetLosseseMember__srt--RangeAxis__srt--MinimumMember_pii" style="font-size: 10pt">15.3% - <span id="xdx_90E_ecustom--FairValueUnobservableInputsPercentage_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--PortionAtFairValueFairValueDisclosureMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--MeasurementInputTypeAxis__custom--MeasurementInputCumulativeNetLosseseMember__srt--RangeAxis__srt--MaximumMember_pii">18.4%</td><td> </td> <td> </td> <td> </td> <td style="text-align: center"><span id="xdx_904_ecustom--FairValueUnobservableInputsPercentage_c20191231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--PortionAtFairValueFairValueDisclosureMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--MeasurementInputTypeAxis__custom--MeasurementInputCumulativeNetLosseseMember__srt--RangeAxis__srt--MinimumMember_pii" style="font-size: 10pt">15.0% - <span id="xdx_906_ecustom--FairValueUnobservableInputsPercentage_c20191231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--PortionAtFairValueFairValueDisclosureMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--MeasurementInputTypeAxis__custom--MeasurementInputCumulativeNetLosseseMember__srt--RangeAxis__srt--MaximumMember_pii">16.1%</td> <td> </td></tr> </table> The following table summarizes the delinquency status using the contractual balance of these finance receivables measured at fair value as of December 31, 2020 and December 31, 2019: <table cellpadding="0" cellspacing="0" id="xdx_899_ecustom--ScheduleOfDelinquencyStatusOfFinanceReceivablesMeasuredAtFairValueTableTextBlock_pn3n3_zqjphDiNlduf" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (12) Fair Value Measurements (Details - Delinquency status)"> <tr style="vertical-align: bottom; background-color: White"> <td>Schedule of delinquency status of finance receivables measured at fair value</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Delinquency Status</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 66%">Current </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_ecustom--FinanceReceivablesMeasuredAtFairValueCurrent_c20201231_pn3n3" style="width: 13%; text-align: right" title="Finance receivables measured at fair value current">1,505,486</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_ecustom--FinanceReceivablesMeasuredAtFairValueCurrent_c20191231_pn3n3" style="width: 13%; text-align: right" title="Finance receivables measured at fair value current">1,344,883</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>31 - 60 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--FinanceReceivablesMeasuredAtFairValue_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables measured at fair value">96,296</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--FinanceReceivablesMeasuredAtFairValue_c20191231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables measured at fair value">81,262</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>61 - 90 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--FinanceReceivablesMeasuredAtFairValue_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables measured at fair value">36,436</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--FinanceReceivablesMeasuredAtFairValue_c20191231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables measured at fair value">34,280</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>91 + days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--FinanceReceivablesMeasuredAtFairValue_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables measured at fair value">9,607</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--FinanceReceivablesMeasuredAtFairValue_c20191231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables measured at fair value">15,167</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Repo</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_ecustom--FinanceReceivablesMeasuredAtFairValue_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__custom--RepossessedVehiclesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Finance receivables measured at fair value">20,251</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_ecustom--FinanceReceivablesMeasuredAtFairValue_c20191231__us-gaap--FinancingReceivablesPeriodPastDueAxis__custom--RepossessedVehiclesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Finance receivables measured at fair value">17,211</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_ecustom--FinanceReceivablesMeasuredAtFairValue_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance receivables measured at fair value">1,668,076</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_ecustom--FinanceReceivablesMeasuredAtFairValue_c20191231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance receivables measured at fair value">1,492,803</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> Repossessed vehicle inventory, which is included in Other assets on our consolidated balance sheet, is measured at fair value using level 2 assumptions based on our actual loss experience on sale of repossessed vehicles. At December 31, 2020, the finance receivables related to the repossessed vehicles in inventory totaled $15.6 million 15,589. We have applied a valuation adjustment, or loss allowance, of $11.8 million, 11,790 which is based on a recovery rate of approximately 24%, resulting in an estimated fair value and carrying amount of $3.8 3,799 million. The fair value and carrying amount of the repossessed inventory at December 31, 2019 was $7.5 million 7,544 after applying a valuation adjustment of $21.4 million 21,389 . There were no transfers in or out of level 1 or level 2 assets and liabilities for 2020 and 2019. We have no level 3 assets or liabilities that are measured at fair value on a non-recurring basis. The estimated fair values of financial assets and liabilities at December 31, 2020 and 2019, were as follows: <table cellpadding="0" cellspacing="0" id="xdx_89F_eus-gaap--FairValueByBalanceSheetGroupingTextBlock_pn3n3_z2yD3AIc6WUg" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (12) Fair Value Measurements (Details - Fair values)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of estimated fair values of financial assets and liabilities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20201231__us-gaap--FairValueByAssetClassAxis__custom--CarryingValueMember_zdsUOYUv54g3" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49F_20201231__us-gaap--FairValueByAssetClassAxis__us-gaap--FairValueInputsLevel1Member_ztmiRLzljhT4" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_494_20201231__us-gaap--FairValueByAssetClassAxis__us-gaap--FairValueInputsLevel2Member_zXi6R99JB7og" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20201231__us-gaap--FairValueByAssetClassAxis__us-gaap--FairValueInputsLevel3Member_zxQOu7F5LCR8" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_497_20201231_zIpqugfJfFP7" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Financial Instrument</td><td style="font-weight: bold"> </td> <td colspan="18" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="padding-bottom: 1pt; font-weight: bold; text-align: center">Carrying</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value Measurements Using:</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_40E_eus-gaap--FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_iB_zzhhilVNd5T9" style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40F_eus-gaap--CashAndCashEquivalentsAtCarryingValue_i01I_pn3n3_d0_zvTxpLRcIS28" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 35%; text-align: left">Cash and cash equivalents</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">13,466</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">13,466</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">13,466</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--RestrictedCashAndCashEquivalents_i01I_pn3n3_d0_ze5IgLQ19M73" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Restricted cash and equivalents</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">130,686</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">130,686</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">130,686</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_ecustom--FinanceReceivablesFairValueDisclosure_i01I_pn3n3_d0_zNiX8GzZCZhg" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance receivables, net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">411,343</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">429,972</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">429,972</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--AccruedInvestmentIncomeReceivable_i01I_pn3n3_d0_zME2ADvTzgP6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,017</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,017</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,017</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_iB_zHzR44lUBHbk" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--LinesOfCreditCurrent_i01I_pn3n3_d0_zN4HnCy7prR6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">118,999</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">118,999</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">118,999</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--AccountsPayableFairValueDisclosure_i01I_pn3n3_d0_zFXQEMhuX0b4" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Accrued interest payable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,919</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,919</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,919</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--SecuredDebt_i01I_pn3n3_d0_z3ilgqkbLxv4" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Securitization trust debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,803,673</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,862,630</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,862,630</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--SubordinatedDebt_i01I_pn3n3_d0_zzDsp8ZERQE5" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Subordinated renewable notes</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,323</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,323</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,323</td><td style="text-align: left"> </td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49F_20191231__us-gaap--FairValueByAssetClassAxis__custom--CarryingValueMember_zDtoQM949d6f" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_492_20191231__us-gaap--FairValueByAssetClassAxis__us-gaap--FairValueInputsLevel1Member_zp0MOltEiyP5" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20191231__us-gaap--FairValueByAssetClassAxis__us-gaap--FairValueInputsLevel2Member_zkQ0NiLfqz78" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_492_20191231__us-gaap--FairValueByAssetClassAxis__us-gaap--FairValueInputsLevel3Member_zMbLguBHmVmf" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20191231_zm0QzgWT1r0c" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of December 31, 2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Financial Instrument</td><td style="font-weight: bold"> </td> <td colspan="18" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="padding-bottom: 1pt; font-weight: bold; text-align: center">Carrying</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value Measurements Using:</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_404_eus-gaap--FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_iB" style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr id="xdx_408_eus-gaap--CashAndCashEquivalentsAtCarryingValue_i01I_pn3n3_d0_zVIJr5LfhePe" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 35%; text-align: left">Cash and cash equivalents</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">5,295</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">5,295</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">5,295</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--RestrictedCashAndCashEquivalents_i01I_pn3n3_d0_zrkvbfqGwawf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Restricted cash and equivalents</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">135,537</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">135,537</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">135,537</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_ecustom--FinanceReceivablesFairValueDisclosure_i01I_pn3n3_d0_zqEP7ARFDbvd" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance receivables, net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">885,890</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">841,160</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">841,160</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--AccruedInvestmentIncomeReceivable_i01I_pn3n3_d0_zuRO8rbBCxsc" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">11,645</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">11,645</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">11,645</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_iB" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--LinesOfCreditCurrent_i01I_pn3n3_d0_z9BovVZmX0ac" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">134,791</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">134,791</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">134,791</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--AccountsPayableFairValueDisclosure_i01I_pn3n3_d0_zm9M58Ll9PZ" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Accrued interest payable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,254</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,254</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,254</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--SecuredDebt_i01I_pn3n3_d0_zZ12k0ZqZJi8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Securitization trust debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,097,728</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,116,520</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,116,520</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--SubordinatedDebt_i01I_pn3n3_d0_zNWqmhSpBaij" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Subordinated renewable notes</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,534</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,534</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,534</td><td style="text-align: left"> </td></tr> </table>

<table cellpadding="0" cellspacing="0" id="xdx_893_eus-gaap--FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_pn3n3_zyftEZznfH9l" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 80%; margin-right: auto" summary="xdx: Disclosure - (12) Fair Value Measurements (Details - Reconciliation of Finance Receivables)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of reconciliation of the finance receivables measured at fair value on a recurring basis</td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20200101__20201231_zEYCmhtpK6w6" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20190101__20191231_zCm8zAhRZVqi" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Twelve Months Ended</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr id="xdx_402_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 46%">Balance at beginning of period</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">1,444,038</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">821,066</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--PaymentsToAcquireFinanceReceivables_i_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Finance receivables at fair value acquired during period</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">739,734</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,004,194</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_ecustom--PaymentsOnFinanceReceivablesAtFairValue_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Payments received on finance receivables at fair value</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(496,747</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(292,948</td><td style="text-align: left">)</td></tr> <tr id="xdx_40E_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_i_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Net interest income accretion on fair value receivables</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(133,771</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(90,383</td><td style="text-align: left">)</td></tr> <tr id="xdx_405_ecustom--MarkToFairValue_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Mark to fair value</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(29,528</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,109</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt">Balance at end of period</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,523,726</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,444,038</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table>

1444038000

821066000

739734000

1004194000

-496747000 -292948000 -133771000 -90383000 -29528000 2109000

1523726000

1444038000

<table cellpadding="0" cellspacing="0" id="xdx_89D_ecustom--ScheduleOfFinanceReceivablesToTheirContractualBalancesTableTextBlock_pn3n3_zSoEIEXV1Xp4" style="font: 10pt Times New Roman, Times, Serif; background-color: White; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (12) Fair Value Measurements (Details - Finance Receivables to Their Contractual Balances)"> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Schedule of finance receivables to their contractual balances</td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: left"> </td><td style="font-weight: bold; text-align: right"> </td><td style="font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Contractual</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Fair</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Contractual</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Fair</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="14" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="width: 40%; font-weight: bold"> </td><td style="width: 2%; font-weight: bold"> </td> <td style="width: 1%; font-weight: bold; text-align: left"> </td><td style="width: 11%; font-weight: bold; text-align: right"> </td><td style="width: 1%; font-weight: bold; text-align: left"> </td><td style="width: 2%; font-weight: bold"> </td> <td style="width: 1%; font-weight: bold; text-align: left"> </td><td style="width: 11%; font-weight: bold; text-align: right"> </td><td style="width: 1%; font-weight: bold; text-align: left"> </td><td style="width: 2%; font-weight: bold"> </td> <td style="width: 1%; font-weight: bold; text-align: left"> </td><td style="width: 11%; font-weight: bold; text-align: right"> </td><td style="width: 1%; font-weight: bold; text-align: left"> </td><td style="width: 2%; font-weight: bold"> </td> <td style="width: 1%; font-weight: bold; text-align: left"> </td><td style="width: 11%; font-weight: bold; text-align: right"> </td><td style="width: 1%; font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance receivables measured at fair value</td><td> </td> <td style="text-align: left">$</td><td id="xdx_982_eus-gaap--ReceivablesFairValueDisclosure_c20201231__us-gaap--SecuritiesFinancingTransactionAxis__custom--ContractualBalanceMember_pn3n3" style="text-align: right" title="Finance receivables measured at fair value">1,668,076</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_980_eus-gaap--ReceivablesFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--PortionAtFairValueFairValueDisclosureMember_pn3n3" style="text-align: right" title="Finance receivables measured at fair value">1,523,726</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98B_eus-gaap--ReceivablesFairValueDisclosure_c20191231__us-gaap--SecuritiesFinancingTransactionAxis__custom--ContractualBalanceMember_pn3n3" style="text-align: right" title="Finance receivables measured at fair value">1,492,803</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_eus-gaap--ReceivablesFairValueDisclosure_c20191231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--PortionAtFairValueFairValueDisclosureMember_pn3n3" style="text-align: right" title="Finance receivables measured at fair value">1,444,038</td><td style="text-align: left"> </td></tr> </table>

1668076000

1523726000

1492803000

1444038000

<table cellpadding="0" cellspacing="0" id="xdx_893_eus-gaap--ScheduleOfEffectOfSignificantUnobservableInputsChangesInPlanAssetsTableTextBlock_pn3n3_z0w79ogDqFme" style="font: 10pt Times New Roman, Times, Serif; background-color: White; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (12) Fair Value Measurements (Details - Level 3 Fair Value Measurements)"> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Schedule of level 3 fair value measurements</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td> </td> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; font-weight: bold">Financial Instrument</td><td style="padding-bottom: 1pt; font-weight: bold"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Values as of</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Inputs as of</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td><td> </td> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Unobservable Inputs</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td><td> </td> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td> </td> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left; width: 28%">Finance receivables measured at fair value</td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%">$</td><td id="xdx_98A_eus-gaap--ReceivablesFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--PortionAtFairValueFairValueDisclosureMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pn3n3" style="text-align: right; width: 9%" title="Finance receivables measured at fair value">1,523,726</td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%">$</td><td id="xdx_983_eus-gaap--ReceivablesFairValueDisclosure_c20191231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--PortionAtFairValueFairValueDisclosureMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pn3n3" style="text-align: right; width: 9%" title="Finance receivables measured at fair value">1,444,038</td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: center; width: 15%">Discount rate</td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td style="text-align: center; width: 13%"><span id="xdx_901_ecustom--FairValueUnobservableInputsPercentage_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--PortionAtFairValueFairValueDisclosureMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--MeasurementInputTypeAxis__us-gaap--MeasurementInputDiscountRateMember__srt--RangeAxis__srt--MinimumMember_pii" style="font-size: 10pt">10.4% - <span id="xdx_903_ecustom--FairValueUnobservableInputsPercentage_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--PortionAtFairValueFairValueDisclosureMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--MeasurementInputTypeAxis__us-gaap--MeasurementInputDiscountRateMember__srt--RangeAxis__srt--MaximumMember_pii">11.1%</td><td style="text-align: left; width: 1%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td style="text-align: center; width: 13%"><span id="xdx_90E_ecustom--FairValueUnobservableInputsPercentage_c20191231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--PortionAtFairValueFairValueDisclosureMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--MeasurementInputTypeAxis__us-gaap--MeasurementInputDiscountRateMember__srt--RangeAxis__srt--MinimumMember_pii" style="font-size: 10pt">8.9% - <span id="xdx_90C_ecustom--FairValueUnobservableInputsPercentage_c20191231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--PortionAtFairValueFairValueDisclosureMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--MeasurementInputTypeAxis__us-gaap--MeasurementInputDiscountRateMember__srt--RangeAxis__srt--MaximumMember_pii">11.1%</td><td style="text-align: left; width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: center">Cumulative net losses</td><td> </td> <td> </td> <td style="text-align: center"><span id="xdx_90C_ecustom--FairValueUnobservableInputsPercentage_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--PortionAtFairValueFairValueDisclosureMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--MeasurementInputTypeAxis__custom--MeasurementInputCumulativeNetLosseseMember__srt--RangeAxis__srt--MinimumMember_pii" style="font-size: 10pt">15.3% - <span id="xdx_90E_ecustom--FairValueUnobservableInputsPercentage_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--PortionAtFairValueFairValueDisclosureMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--MeasurementInputTypeAxis__custom--MeasurementInputCumulativeNetLosseseMember__srt--RangeAxis__srt--MaximumMember_pii">18.4%</td><td> </td> <td> </td> <td> </td> <td style="text-align: center"><span id="xdx_904_ecustom--FairValueUnobservableInputsPercentage_c20191231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--PortionAtFairValueFairValueDisclosureMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--MeasurementInputTypeAxis__custom--MeasurementInputCumulativeNetLosseseMember__srt--RangeAxis__srt--MinimumMember_pii" style="font-size: 10pt">15.0% - <span id="xdx_906_ecustom--FairValueUnobservableInputsPercentage_c20191231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--PortionAtFairValueFairValueDisclosureMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--MeasurementInputTypeAxis__custom--MeasurementInputCumulativeNetLosseseMember__srt--RangeAxis__srt--MaximumMember_pii">16.1%</td> <td> </td></tr> </table>

1523726000

1444038000

0.104 0.111 0.089 0.111 0.153 0.184 0.150 0.161 <table cellpadding="0" cellspacing="0" id="xdx_899_ecustom--ScheduleOfDelinquencyStatusOfFinanceReceivablesMeasuredAtFairValueTableTextBlock_pn3n3_zqjphDiNlduf" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (12) Fair Value Measurements (Details - Delinquency status)"> <tr style="vertical-align: bottom; background-color: White"> <td>Schedule of delinquency status of finance receivables measured at fair value</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Delinquency Status</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 66%">Current </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_ecustom--FinanceReceivablesMeasuredAtFairValueCurrent_c20201231_pn3n3" style="width: 13%; text-align: right" title="Finance receivables measured at fair value current">1,505,486</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_ecustom--FinanceReceivablesMeasuredAtFairValueCurrent_c20191231_pn3n3" style="width: 13%; text-align: right" title="Finance receivables measured at fair value current">1,344,883</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>31 - 60 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--FinanceReceivablesMeasuredAtFairValue_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables measured at fair value">96,296</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--FinanceReceivablesMeasuredAtFairValue_c20191231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables measured at fair value">81,262</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>61 - 90 days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--FinanceReceivablesMeasuredAtFairValue_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables measured at fair value">36,436</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--FinanceReceivablesMeasuredAtFairValue_c20191231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables measured at fair value">34,280</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>91 + days</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--FinanceReceivablesMeasuredAtFairValue_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables measured at fair value">9,607</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--FinanceReceivablesMeasuredAtFairValue_c20191231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables measured at fair value">15,167</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">Repo</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_ecustom--FinanceReceivablesMeasuredAtFairValue_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__custom--RepossessedVehiclesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Finance receivables measured at fair value">20,251</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_ecustom--FinanceReceivablesMeasuredAtFairValue_c20191231__us-gaap--FinancingReceivablesPeriodPastDueAxis__custom--RepossessedVehiclesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Finance receivables measured at fair value">17,211</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_ecustom--FinanceReceivablesMeasuredAtFairValue_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance receivables measured at fair value">1,668,076</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_ecustom--FinanceReceivablesMeasuredAtFairValue_c20191231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance receivables measured at fair value">1,492,803</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1505486000 1344883000 96296000 81262000 36436000 34280000 9607000 15167000 20251000 17211000 1668076000 1492803000

15589000

-11790000

0.24

3799000

7544000

-21389000

<table cellpadding="0" cellspacing="0" id="xdx_89F_eus-gaap--FairValueByBalanceSheetGroupingTextBlock_pn3n3_z2yD3AIc6WUg" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (12) Fair Value Measurements (Details - Fair values)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Schedule of estimated fair values of financial assets and liabilities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20201231__us-gaap--FairValueByAssetClassAxis__custom--CarryingValueMember_zdsUOYUv54g3" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49F_20201231__us-gaap--FairValueByAssetClassAxis__us-gaap--FairValueInputsLevel1Member_ztmiRLzljhT4" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_494_20201231__us-gaap--FairValueByAssetClassAxis__us-gaap--FairValueInputsLevel2Member_zXi6R99JB7og" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20201231__us-gaap--FairValueByAssetClassAxis__us-gaap--FairValueInputsLevel3Member_zxQOu7F5LCR8" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_497_20201231_zIpqugfJfFP7" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Financial Instrument</td><td style="font-weight: bold"> </td> <td colspan="18" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="padding-bottom: 1pt; font-weight: bold; text-align: center">Carrying</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value Measurements Using:</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_40E_eus-gaap--FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_iB_zzhhilVNd5T9" style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr id="xdx_40F_eus-gaap--CashAndCashEquivalentsAtCarryingValue_i01I_pn3n3_d0_zvTxpLRcIS28" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 35%; text-align: left">Cash and cash equivalents</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">13,466</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">13,466</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">13,466</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--RestrictedCashAndCashEquivalents_i01I_pn3n3_d0_ze5IgLQ19M73" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Restricted cash and equivalents</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">130,686</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">130,686</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">130,686</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_ecustom--FinanceReceivablesFairValueDisclosure_i01I_pn3n3_d0_zNiX8GzZCZhg" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance receivables, net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">411,343</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">429,972</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">429,972</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--AccruedInvestmentIncomeReceivable_i01I_pn3n3_d0_zME2ADvTzgP6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,017</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,017</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,017</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_iB_zHzR44lUBHbk" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--LinesOfCreditCurrent_i01I_pn3n3_d0_zN4HnCy7prR6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">118,999</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">118,999</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">118,999</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--AccountsPayableFairValueDisclosure_i01I_pn3n3_d0_zFXQEMhuX0b4" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Accrued interest payable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,919</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,919</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,919</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--SecuredDebt_i01I_pn3n3_d0_z3ilgqkbLxv4" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Securitization trust debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,803,673</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,862,630</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,862,630</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--SubordinatedDebt_i01I_pn3n3_d0_zzDsp8ZERQE5" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Subordinated renewable notes</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,323</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,323</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,323</td><td style="text-align: left"> </td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49F_20191231__us-gaap--FairValueByAssetClassAxis__custom--CarryingValueMember_zDtoQM949d6f" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_492_20191231__us-gaap--FairValueByAssetClassAxis__us-gaap--FairValueInputsLevel1Member_zp0MOltEiyP5" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20191231__us-gaap--FairValueByAssetClassAxis__us-gaap--FairValueInputsLevel2Member_zkQ0NiLfqz78" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_492_20191231__us-gaap--FairValueByAssetClassAxis__us-gaap--FairValueInputsLevel3Member_zMbLguBHmVmf" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20191231_zm0QzgWT1r0c" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">As of December 31, 2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Financial Instrument</td><td style="font-weight: bold"> </td> <td colspan="18" style="font-weight: bold; text-align: center">(In thousands)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="padding-bottom: 1pt; font-weight: bold; text-align: center">Carrying</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value Measurements Using:</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2"> </td><td style="padding-bottom: 1pt"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_404_eus-gaap--FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_iB" style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr id="xdx_408_eus-gaap--CashAndCashEquivalentsAtCarryingValue_i01I_pn3n3_d0_zVIJr5LfhePe" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 35%; text-align: left">Cash and cash equivalents</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">5,295</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">5,295</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">5,295</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--RestrictedCashAndCashEquivalents_i01I_pn3n3_d0_zrkvbfqGwawf" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Restricted cash and equivalents</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">135,537</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">135,537</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">135,537</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_ecustom--FinanceReceivablesFairValueDisclosure_i01I_pn3n3_d0_zqEP7ARFDbvd" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance receivables, net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">885,890</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">841,160</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">841,160</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--AccruedInvestmentIncomeReceivable_i01I_pn3n3_d0_zuRO8rbBCxsc" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">11,645</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">11,645</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">11,645</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_iB" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold">Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--LinesOfCreditCurrent_i01I_pn3n3_d0_z9BovVZmX0ac" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">134,791</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">134,791</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">134,791</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--AccountsPayableFairValueDisclosure_i01I_pn3n3_d0_zm9M58Ll9PZ" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Accrued interest payable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,254</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,254</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,254</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--SecuredDebt_i01I_pn3n3_d0_zZ12k0ZqZJi8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Securitization trust debt</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,097,728</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,116,520</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,116,520</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--SubordinatedDebt_i01I_pn3n3_d0_zNWqmhSpBaij" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Subordinated renewable notes</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,534</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,534</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">17,534</td><td style="text-align: left"> </td></tr> </table>

13466000

130686000

411343000 0 0 429972000 429972000

5017000

118999000

4919000

1803673000

1862630000

21323000

5295000

135537000

885890000 0 0 841160000 841160000

11645000

134791000

5254000

2097728000

2116520000

17534000

(13) Subsequent Events On January 27, 2021 we executed our first securitization of 2021. In the transaction, qualified institutional buyers purchased $230.5 million of asset-backed notes secured by $245.0 million in automobile receivables originated by CPS. The sold notes, issued by CPS Auto Receivables Trust 2021-A, consist of five classes. Ratings of the notes were provided by Standard & Poor’s and DBRS Morningstar, and were based on the structure of the transaction, the historical performance of similar receivables and CPS’s experience as a servicer. The weighted average yield on the notes is approximately 1.11%. The 2021-A transaction has initial credit enhancement consisting of a cash deposit equal to 1.00% of the original receivable pool balance and overcollateralization of 5.90%. The transaction agreements require accelerated payment of principal on the notes to reach overcollateralization of the lesser of 9.30% of the original receivable pool balance, or 32.05% of the then outstanding pool balance. The transaction utilizes a pre-funding structure, in which CPS sold approximately $184.4 million of receivables at inception approximately $60.6 million of additional receivables in February 2021. The transaction was a private offering of securities, not registered under the Securities Act of 1933, or any state securities law.

The Final Scheduled Payment Date represents final legal maturity of the securitization trust debt. Securitization trust debt is expected to become due and to be paid prior to those dates, based on amortization of the finance receivables pledged to the Trusts. Expected payments, which will depend on the performance of such receivables, as to which there can be no assurance, are $818.4 million in 2021, $450.9 million in 2022, $350.7 million in 2023, $81.1 million in 2024, $83.7 million in 2025, and $18.7 million in 2026. Includes repossessed assets that are included in Other Assets on our Consolidated Balance Sheets. Company common stock is classified as level 1 and valued using quoted prices in active markets for identical assets. All other plan assets in stock, bond and money market funds are classified as level 2 and valued using significant observable inputs. There are no plan assets classified as level 3 in the fair value hierarchy as a result of having significant unobservable inputs.