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CA 33-0459135 3800 Howard Hughes Pkwy Las Vegas NV 89169 (949) 753-6800 Common Stock, no par value CPSS NASDAQ No No Yes Yes Accelerated Filer true false true false 140224459000 20535126 173 Crowe LLP Dallas, Texas 13490000 29928000 149299000 146620000 2476617000 1749098000 92304000 232390000 21753000 56206000 70551000 176184000 1660000 1129000 10177000 19575000 649000 2269000 30325000 34775000 2752768000 2159578000 55421000 43648000 285328000 105610000 49623000 53682000 2108744000 1759972000 25263000 26459000 2524379000 1989371000 1 1 4998130 4998130 0 0 0 0 1 1 5000000 5000000 0 0 0 0 1 1 1870 1870 0 0 0 0 0 0 75000000 75000000 20131323 20131323 21143764 21143764 28906000 55298000 202514000 116531000 -3031000 -1622000 228389000 170207000 2752768000 2159578000 305237000 266266000 294982000 -15283000 4417000 29528000 9189000 5962000 5707000 329709000 267811000 271161000 84282000 80534000 80198000 37618000 34616000 31981000 87524000 75239000 101338000 -28100000 -14590000 14113000 23039000 16876000 14206000 7535000 7715000 7421000 1618000 1675000 1784000 213516000 202065000 251041000 116193000 65746000 20120000 30210000 18222000 -1557000 85983000 47524000 21677000 4.10 2.11 0.96 3.23 1.84 0.90 20958000 22562000 22611000 26589000 25780000 24003000 85983000 47524000 21677000 513000 2554000 55000 -1409000 6949000 -150000 -84574000 -54473000 -21527000 22531000 71257000 47330000 -8421000 110166000 558000 949000 949000 352000 1215000 1215000 -150000 -150000 1935000 1935000 21677000 21677000 22737000 72926000 69007000 -8571000 133362000 2291000 6048000 6048000 3884000 25676000 25676000 6949000 6949000 2000000 2000000 47524000 47524000 21144000 55298000 116531000 -1622000 170207000 3127000 15277000 15277000 4140000 46096000 46096000 -1409000 -1409000 4427000 4427000 85983000 85983000 20131000 28906000 202514000 -3031000 228389000 85983000 47524000 21677000 0 651000 1138000 135147000 134020000 133771000 1618000 1675000 1784000 8207000 7114000 8102000 -15283000 4417000 29528000 -28100000 -14590000 14113000 4427000 2000000 1935000 -1620000 -2748000 -6628000 -2551000 3787000 -2713000 -9398000 -8937000 -21493000 10364000 7485000 -4115000 215932000 198194000 238767000 -133733000 -249098000 -332296000 1673166000 1107537000 739734000 825783000 743728000 496747000 -1899000 -1329000 -3746000 2149000 1976000 24000 -713900000 -115358000 93031000 1411018000 1110747000 714543000 4004000 7988000 6750000 5200000 2852000 2961000 181868000 -14503000 -16271000 4311000 -28735000 14424000 1060052000 1153114000 1009988000 12299000 7813000 5861000 46096000 25676000 1215000 15277000 6048000 949000 484209000 -50440000 -328478000 -13759000 32396000 3320000 176548000 144152000 140832000 162789000 176548000 144152000 76696000 69476000 93571000 16182000 14253000 -23997000 <p id="xdx_801_eus-gaap--SignificantAccountingPoliciesTextBlock_zZ8VPCFk0b14" style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"><i>(1) <span>Summary of Significant Accounting Policies</span></i></p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p id="xdx_846_ecustom--DescriptionOfBusinessPolicyTextBlock_zjciDhRK1Jse" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_867_zZCD8KMu4I86">Description of Business</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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. Customers located in California, Texas, Ohio, Illinois, Florida, Pennsylvania, and Indiana represented <span id="xdx_90B_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20220101__20221231__srt--StatementGeographicalAxis__stpr--CA__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zWJ6AoGEQ9d2" title="Concentration percentage">8.2</span>%, <span id="xdx_904_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20220101__20221231__srt--StatementGeographicalAxis__stpr--TX__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zQsjGIPeyR99" title="Concentration percentage">7.8</span>%, <span id="xdx_90E_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20220101__20221231__srt--StatementGeographicalAxis__stpr--OH__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zA6jSYp9Bjdg" title="Concentration percentage">7.6</span>%, <span id="xdx_90F_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20220101__20221231__srt--StatementGeographicalAxis__stpr--IL__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zMUMKvS8PT27" title="Concentration percentage">5.7</span>%, <span id="xdx_90C_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20220101__20221231__srt--StatementGeographicalAxis__stpr--FL__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zetuR1GMoA91" title="Concentration percentage">5.1</span>%, <span id="xdx_908_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20220101__20221231__srt--StatementGeographicalAxis__stpr--PA__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zY8YlaFQXqf4" title="Concentration percentage">4.6</span>%, and <span id="xdx_90D_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20220101__20221231__srt--StatementGeographicalAxis__stpr--IN__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zvRXQqO65UH1" title="Concentration percentage">4.6</span>% respectively, of contracts purchased during 2022 compared with <span id="xdx_90A_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20210101__20211231__srt--StatementGeographicalAxis__stpr--CA__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_z62WUBiAQXSk" title="Concentration percentage">10.9</span>%, <span id="xdx_900_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20210101__20211231__srt--StatementGeographicalAxis__stpr--TX__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zCYzSHLHV7M5" title="Concentration percentage">6.1</span>%, <span id="xdx_901_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20210101__20211231__srt--StatementGeographicalAxis__stpr--OH__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zGrNZluXzHXl" title="Concentration percentage">9.3</span>%, <span id="xdx_908_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20210101__20211231__srt--StatementGeographicalAxis__stpr--IL__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zlTIMHioiMj7" title="Concentration percentage">3.6</span>%, <span id="xdx_90A_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20210101__20211231__srt--StatementGeographicalAxis__stpr--FL__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zj8O8liqKLBh" title="Concentration percentage">5.0</span>%, <span id="xdx_903_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20210101__20211231__srt--StatementGeographicalAxis__stpr--PA__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zS0w9HU5rGX" title="Concentration percentage">4.6</span>%, and <span id="xdx_90E_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20210101__20211231__srt--StatementGeographicalAxis__stpr--IN__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zUmBXM9DNvBa" title="Concentration percentage">5.0</span>% respectively in 2021. No other state had a concentration in excess of 4.6% in 2022. 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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_840_eus-gaap--ConsolidationPolicyTextBlock_zK84mOWCRImi" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_86D_zGZmh2x3aIp6">Principles of Consolidation</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The Consolidated Financial Statements include the accounts of Consumer Portfolio Services, Inc. and its wholly-owned subsidiaries, certain of which are special purpose subsidiaries (<span style="font-family: Times New Roman, Times, Serif">"</span>SPS<span style="font-family: Times New Roman, Times, Serif">"</span>), 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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_84D_eus-gaap--CashAndCashEquivalentsPolicyTextBlock_zz3SJGoj7rPh" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_862_zz2FsU1Z5Wdg">Cash and Cash Equivalents</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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, 2022, our unrestricted cash balance was $<span id="xdx_908_eus-gaap--CashAndCashEquivalentsAtCarryingValue_iI_dm_c20221231__us-gaap--CashAndCashEquivalentsAxis__custom--UnrestrictedCashMember_zsP6DBydmYL8" title="Unrestricted cash">13.5 million</span>, which exceeded the minimum amounts required by our financial covenants.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_84B_eus-gaap--ReceivablesPolicyTextBlock_zINk58nOkZVl" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_86D_zHcI3OwBwCtd">Finance Receivables</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_84D_ecustom--FinanceReceivablesMeasuredAtFairValuePolicyTextBlock_zPacuZOrXKJf" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"><i><span id="xdx_865_zLa0PTy0Eepd">Finance Receivables Measured at Fair Value</span></i></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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 twelve-month period ended December 31, 2022 include a $<span id="xdx_90A_ecustom--MarkToFinanceReceivableMeasuredAtFairValue_dm_c20220101__20221231_zsTmfyX0yuqi" title="Portfolio value">15.3 million</span> positive mark to the carrying value of the portion of the receivables portfolio accounted for at fair value. 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 $<span id="xdx_90B_ecustom--MarkToFinanceReceivableMeasuredAtFairValue_dm_c20210101__20211231_zQM0XAL7RKP8" title="Portfolio value">4.4 million</span> for the twelve-month period ended December 31, 2021.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_846_eus-gaap--FinancingReceivableAllowanceForCreditLossesPolicyOrMethodologyChangePolicyTextBlock_zVuYu33d13db" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_868_zTOE7n20avtl">Allowance for Finance Credit Losses</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">In order to estimate an appropriate allowance for losses likely incurred on finance receivables, we use a loss allowance methodology commonly referred to as <span style="font-family: Times New Roman, Times, Serif">"</span>static pooling,<span style="font-family: Times New Roman, Times, Serif">"</span> 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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_840_ecustom--ChargeOffPolicyPolicyTextBlock_zcUIrBMWJ8xe" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_869_zxOd66zuSNG9">Charge Off Policy</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"/> <p id="xdx_848_ecustom--ContractAcquisitionFeesAndOriginationCostsPolicyTextBlock_zSR8A8R9LNoh" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_86F_z4D8v1iK2QR8">Contract Acquisition Fees and Origination Costs</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_84D_ecustom--RepossessedAndOtherAssetsPolicyTextBlock_zAlYnpIrIaPc" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_866_zNhN2A5SVsy5">Repossessed and Other Assets</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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 $<span id="xdx_902_eus-gaap--OtherAssetsNoncurrent_iI_pp0p0_c20221231__us-gaap--AssetsSoldUnderAgreementsToRepurchaseAxis__custom--RepossessedVehiclesMember_z7LTH7K1jva1" title="Other assets">571,000</span> and $<span id="xdx_90E_eus-gaap--OtherAssetsNoncurrent_iI_dm_c20211231__us-gaap--AssetsSoldUnderAgreementsToRepurchaseAxis__custom--RepossessedVehiclesMember_zUL74mmSMayf" title="Other assets">2.5 million</span> at December 31, 2022 and 2021, respectively.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_849_eus-gaap--TransfersAndServicingOfFinancialAssetsPolicyTextBlock_zE7JMJWGqiN5" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"><i>T<span id="xdx_861_zwWEpR8F0eng">reatment of Securitizations</span></i></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">Our term securitization structure has generally been as follows:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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 (<span style="font-family: Times New Roman, Times, Serif">"</span>Trust<span style="font-family: Times New Roman, Times, Serif">"</span>). The Trust issues interest-bearing asset-backed securities (<span style="font-family: Times New Roman, Times, Serif">"</span>Notes<span style="font-family: Times New Roman, Times, Serif">"</span>), 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 <span style="font-family: Times New Roman, Times, Serif">"</span>Noteholders<span style="font-family: Times New Roman, Times, Serif">"</span>) 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 <span style="font-family: Times New Roman, Times, Serif">"</span>Credit Enhancement<span style="font-family: Times New Roman, Times, Serif">"</span> for the benefit of the Noteholders in three forms: (1) an initial cash deposit to a bank account (a <span style="font-family: Times New Roman, Times, Serif">"</span>Spread Account<span style="font-family: Times New Roman, Times, Serif">"</span>) 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 <span style="font-family: Times New Roman, Times, Serif">"</span>Securitization Agreements<span style="font-family: Times New Roman, Times, Serif">"</span>) 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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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 <span style="font-family: Times New Roman, Times, Serif">"</span>overcollateralization<span style="font-family: Times New Roman, Times, Serif">"</span> of the Notes.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_84A_eus-gaap--TransfersAndServicingOfFinancialAssetsServicingOfFinancialAssetsPolicy_zWPyB4L1u8K2" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span id="xdx_86C_zVsxwyxDPh0c">Servicing</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_842_eus-gaap--PropertyPlantAndEquipmentPolicyTextBlock_zWz7tahZmv7g" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_86E_z4eTmcm4sU83">Furniture and Equipment</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_842_eus-gaap--ImpairmentOrDisposalOfLongLivedAssetsPolicyTextBlock_zj49lFXaaI72" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_86E_zBLm5RGpcv5l">Impairment of Long-Lived Assets and Long-Lived Assets to Be Disposed Of</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_848_ecustom--OtherIncomePolicyTextBlock_zjOz32z8yn6f" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_867_zdLeo9fTIkz8">Other Income</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">The following table presents the primary components of Other Income: </p> <table cellpadding="0" cellspacing="0" id="xdx_880_ecustom--OtherIncomeTableTextBlock_pn3n3_zdC9LhphSw85" 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"> <td style="text-align: left"><span id="xdx_8B2_z4ZBoPRGlggj" style="display: none">Schedule of other income</span></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">2022</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">2021</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">2020</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: 52%; text-align: left">Third-party portfolio</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--OtherOperatingIncome_pn3n3_c20220101__20221231__us-gaap--IncomeStatementLocationAxis__custom--ThirdPartyPortfoiloMember_zfzraEyU2DO2" style="width: 13%; text-align: right" title="Other income for the period">6,814</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--OtherOperatingIncome_pn3n3_d0_c20210101__20211231__us-gaap--IncomeStatementLocationAxis__custom--ThirdPartyPortfoiloMember_zDd6fpJ0ySsh" style="width: 13%; text-align: right" title="Other income for the period">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--OtherOperatingIncome_pn3n3_d0_c20200101__20201231__us-gaap--IncomeStatementLocationAxis__custom--ThirdPartyPortfoiloMember_zCWGf8Nvb7ng" style="width: 13%; text-align: right" title="Other income for the period">–</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Direct mail revenues</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--OtherOperatingIncome_c20220101__20221231__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_pn3n3" style="text-align: right" title="Other income for the period">774</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--OtherOperatingIncome_c20210101__20211231__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_pn3n3" style="text-align: right" title="Other income for the period">3,391</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--OtherOperatingIncome_c20200101__20201231__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_pn3n3" style="text-align: right" title="Other income for the period">3,312</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Convenience fee revenue</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--OtherOperatingIncome_c20220101__20221231__us-gaap--IncomeStatementLocationAxis__custom--ConvenienceFeeMember_pn3n3" style="text-align: right" title="Other income for the period">218</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--OtherOperatingIncome_c20210101__20211231__us-gaap--IncomeStatementLocationAxis__custom--ConvenienceFeeMember_pn3n3" style="text-align: right" title="Other income for the period">590</td><td style="text-align: left"> </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></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Recoveries on previously charged-off contracts</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--OtherOperatingIncome_c20220101__20221231__us-gaap--IncomeStatementLocationAxis__custom--RecoveriesMember_pn3n3" style="text-align: right" title="Other income for the period">71</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--OtherOperatingIncome_c20210101__20211231__us-gaap--IncomeStatementLocationAxis__custom--RecoveriesMember_pn3n3" style="text-align: right" title="Other income for the period">115</td><td style="text-align: left"> </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></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Sales tax refunds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--OtherOperatingIncome_c20220101__20221231__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_pn3n3" style="text-align: right" title="Other income for the period">737</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--OtherOperatingIncome_c20210101__20211231__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_pn3n3" style="text-align: right" title="Other income for the period">580</td><td style="text-align: left"> </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></tr> <tr 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 id="xdx_986_eus-gaap--OtherOperatingIncome_c20220101__20221231__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Other income for the period">575</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_988_eus-gaap--OtherOperatingIncome_c20210101__20211231__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Other income for the period">1,286</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--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></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <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">$</td><td id="xdx_98F_eus-gaap--OtherOperatingIncome_c20220101__20221231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">9,189</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--OtherOperatingIncome_c20210101__20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">5,962</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_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></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p id="xdx_84B_eus-gaap--EarningsPerSharePolicyTextBlock_zDm3ZcRKw0c2" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_860_zmTLj1PIrZQ1">Earnings Per Share</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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: </p> <table cellpadding="0" cellspacing="0" id="xdx_884_eus-gaap--ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_pn3n3_zzwx0hknI5x6" 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"> <td><span id="xdx_8BC_zDk6vK3wd3h8" style="display: none">Schedule of computation of earnings per share</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_498_20220101__20221231_zHFMsw2s6qd8" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_498_20210101__20211231_zbMaQSJw0fo" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20200101__20201231_zSRfqww4CYrj" style="text-align: center"> </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">2022</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">2021</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">2020</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, except per share data)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td>Numerator:</td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_405_eus-gaap--NetIncomeLoss_zWwo5nm9lvg6" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; width: 52%; text-align: left; padding-bottom: 2.5pt">Numerator for basic and diluted earnings per share</td><td style="width: 1%; 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: 13%; text-align: right">85,983</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 13%; text-align: right">47,524</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 13%; text-align: right">21,677</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 id="xdx_403_eus-gaap--WeightedAverageNumberOfSharesOutstandingBasic_i_pdd" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left">Denominator for basic earnings per share - weighted average number of common shares outstanding during the year</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">20,958</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,562</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,611</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--IncrementalCommonSharesAttributableToCallOptionsAndWarrants_i_pdd" style="vertical-align: bottom; background-color: White"> <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">5,631</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">3,218</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">1,392</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--WeightedAverageNumberOfDilutedSharesOutstanding_i_pdd" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left">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">26,589</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">25,780</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">24,003</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--EarningsPerShareBasic_pip0_z7dB4ZO2Pgr6" style="vertical-align: bottom; background-color: White"> <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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4.10</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2.11</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.96</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--EarningsPerShareDiluted_pip0_zB8MYSEE6YVj" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt">Diluted earnings per share</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3.23</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1.84</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.90</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Incremental shares of <span id="xdx_909_eus-gaap--AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_dm_c20220101__20221231_z3hDYtFKjVja" title="Incremental shares excluded from EPS calculation">1.2 million</span>, <span id="xdx_90D_eus-gaap--AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_dm_c20210101__20211231_zObii6V0DVNj" title="Incremental shares excluded from EPS calculation">5.7 million</span> and <span id="xdx_90C_eus-gaap--AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_dm_c20200101__20201231_zwKzNwfqYSH2" title="Incremental shares excluded from EPS calculation">13.6 million</span> related to stock options and warrants have been excluded from the diluted earnings per share calculation for the years ended December 31, 2022, 2021 and 2020, respectively, because the effect is anti-dilutive.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_840_eus-gaap--DebtPolicyTextBlock_zB3DUaPlh7dg" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_865_zK8rsNOUyHkf">Deferral and Amortization of Debt Issuance Costs</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_84C_eus-gaap--IncomeTaxPolicyTextBlock_zvrqWLrYww71" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_861_zbokG7ROiL6f">Income Taxes</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_843_ecustom--PurchasesOfCompanyStockPolicyTextBlock_zaRA6phZca25" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_862_zWuECe4EKtGd">Purchases of Company Stock</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">We record purchases of our own common stock at cost and treat the shares as retired.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"> </p> <p id="xdx_84E_eus-gaap--ShareBasedCompensationOptionAndIncentivePlansPolicy_zepPiFMZTX18" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_860_z8kaL6noewVc">Stock Option Plan</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Company accounts for stock-based compensation in accordance with FASB ASC Topic 718, <i>Compensation—Stock Compensation</i>, 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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"/> <p id="xdx_84F_eus-gaap--UseOfEstimates_zJVLEWIm1Tr5" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_861_zjj3scMFzcde">Use of Estimates</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"/> <p id="xdx_84E_eus-gaap--PriorPeriodReclassificationAdjustmentDescription_zYXx3wFLWXZ" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_860_zY1AUPxvMhf4">Reclassification</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">  </p> <p id="xdx_843_ecustom--FinancialCovenantsPolicyTextBlock_zfS1YLFwypRb" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-weight: normal"><i><span id="xdx_86B_zVWqfgnOQy69">Financial Covenant</span>s </i></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">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, 2022 we were in compliance with all such financial covenants.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p id="xdx_84D_ecustom--ProvisionForContingentLiabilitiesPolicyTextBlock_zJ9SwujvlfRe" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-weight: normal"><i><span id="xdx_86F_z8Q5fBPlke64">Provision for Contingent Liabilities </span></i></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">We have recorded a liability as of December 31, 2022, 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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_846_ecustom--DescriptionOfBusinessPolicyTextBlock_zjciDhRK1Jse" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_867_zZCD8KMu4I86">Description of Business</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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. Customers located in California, Texas, Ohio, Illinois, Florida, Pennsylvania, and Indiana represented <span id="xdx_90B_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20220101__20221231__srt--StatementGeographicalAxis__stpr--CA__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zWJ6AoGEQ9d2" title="Concentration percentage">8.2</span>%, <span id="xdx_904_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20220101__20221231__srt--StatementGeographicalAxis__stpr--TX__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zQsjGIPeyR99" title="Concentration percentage">7.8</span>%, <span id="xdx_90E_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20220101__20221231__srt--StatementGeographicalAxis__stpr--OH__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zA6jSYp9Bjdg" title="Concentration percentage">7.6</span>%, <span id="xdx_90F_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20220101__20221231__srt--StatementGeographicalAxis__stpr--IL__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zMUMKvS8PT27" title="Concentration percentage">5.7</span>%, <span id="xdx_90C_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20220101__20221231__srt--StatementGeographicalAxis__stpr--FL__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zetuR1GMoA91" title="Concentration percentage">5.1</span>%, <span id="xdx_908_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20220101__20221231__srt--StatementGeographicalAxis__stpr--PA__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zY8YlaFQXqf4" title="Concentration percentage">4.6</span>%, and <span id="xdx_90D_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20220101__20221231__srt--StatementGeographicalAxis__stpr--IN__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zvRXQqO65UH1" title="Concentration percentage">4.6</span>% respectively, of contracts purchased during 2022 compared with <span id="xdx_90A_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20210101__20211231__srt--StatementGeographicalAxis__stpr--CA__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_z62WUBiAQXSk" title="Concentration percentage">10.9</span>%, <span id="xdx_900_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20210101__20211231__srt--StatementGeographicalAxis__stpr--TX__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zCYzSHLHV7M5" title="Concentration percentage">6.1</span>%, <span id="xdx_901_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20210101__20211231__srt--StatementGeographicalAxis__stpr--OH__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zGrNZluXzHXl" title="Concentration percentage">9.3</span>%, <span id="xdx_908_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20210101__20211231__srt--StatementGeographicalAxis__stpr--IL__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zlTIMHioiMj7" title="Concentration percentage">3.6</span>%, <span id="xdx_90A_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20210101__20211231__srt--StatementGeographicalAxis__stpr--FL__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zj8O8liqKLBh" title="Concentration percentage">5.0</span>%, <span id="xdx_903_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20210101__20211231__srt--StatementGeographicalAxis__stpr--PA__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zS0w9HU5rGX" title="Concentration percentage">4.6</span>%, and <span id="xdx_90E_eus-gaap--ConcentrationRiskPercentage1_pip0_dp_c20210101__20211231__srt--StatementGeographicalAxis__stpr--IN__us-gaap--ConcentrationRiskByBenchmarkAxis__custom--NumberOfDealersMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--GeographicConcentrationRiskMember_zUmBXM9DNvBa" title="Concentration percentage">5.0</span>% respectively in 2021. No other state had a concentration in excess of 4.6% in 2022. 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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> 0.082 0.078 0.076 0.057 0.051 0.046 0.046 0.109 0.061 0.093 0.036 0.050 0.046 0.050 <p id="xdx_840_eus-gaap--ConsolidationPolicyTextBlock_zK84mOWCRImi" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_86D_zGZmh2x3aIp6">Principles of Consolidation</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The Consolidated Financial Statements include the accounts of Consumer Portfolio Services, Inc. and its wholly-owned subsidiaries, certain of which are special purpose subsidiaries (<span style="font-family: Times New Roman, Times, Serif">"</span>SPS<span style="font-family: Times New Roman, Times, Serif">"</span>), 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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_84D_eus-gaap--CashAndCashEquivalentsPolicyTextBlock_zz3SJGoj7rPh" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_862_zz2FsU1Z5Wdg">Cash and Cash Equivalents</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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, 2022, our unrestricted cash balance was $<span id="xdx_908_eus-gaap--CashAndCashEquivalentsAtCarryingValue_iI_dm_c20221231__us-gaap--CashAndCashEquivalentsAxis__custom--UnrestrictedCashMember_zsP6DBydmYL8" title="Unrestricted cash">13.5 million</span>, which exceeded the minimum amounts required by our financial covenants.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> 13500000 <p id="xdx_84B_eus-gaap--ReceivablesPolicyTextBlock_zINk58nOkZVl" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_86D_zHcI3OwBwCtd">Finance Receivables</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_84D_ecustom--FinanceReceivablesMeasuredAtFairValuePolicyTextBlock_zPacuZOrXKJf" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"><i><span id="xdx_865_zLa0PTy0Eepd">Finance Receivables Measured at Fair Value</span></i></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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 twelve-month period ended December 31, 2022 include a $<span id="xdx_90A_ecustom--MarkToFinanceReceivableMeasuredAtFairValue_dm_c20220101__20221231_zsTmfyX0yuqi" title="Portfolio value">15.3 million</span> positive mark to the carrying value of the portion of the receivables portfolio accounted for at fair value. 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 $<span id="xdx_90B_ecustom--MarkToFinanceReceivableMeasuredAtFairValue_dm_c20210101__20211231_zQM0XAL7RKP8" title="Portfolio value">4.4 million</span> for the twelve-month period ended December 31, 2021.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> 15300000 4400000 <p id="xdx_846_eus-gaap--FinancingReceivableAllowanceForCreditLossesPolicyOrMethodologyChangePolicyTextBlock_zVuYu33d13db" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_868_zTOE7n20avtl">Allowance for Finance Credit Losses</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">In order to estimate an appropriate allowance for losses likely incurred on finance receivables, we use a loss allowance methodology commonly referred to as <span style="font-family: Times New Roman, Times, Serif">"</span>static pooling,<span style="font-family: Times New Roman, Times, Serif">"</span> 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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_840_ecustom--ChargeOffPolicyPolicyTextBlock_zcUIrBMWJ8xe" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_869_zxOd66zuSNG9">Charge Off Policy</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"/> <p id="xdx_848_ecustom--ContractAcquisitionFeesAndOriginationCostsPolicyTextBlock_zSR8A8R9LNoh" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_86F_z4D8v1iK2QR8">Contract Acquisition Fees and Origination Costs</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_84D_ecustom--RepossessedAndOtherAssetsPolicyTextBlock_zAlYnpIrIaPc" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_866_zNhN2A5SVsy5">Repossessed and Other Assets</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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 $<span id="xdx_902_eus-gaap--OtherAssetsNoncurrent_iI_pp0p0_c20221231__us-gaap--AssetsSoldUnderAgreementsToRepurchaseAxis__custom--RepossessedVehiclesMember_z7LTH7K1jva1" title="Other assets">571,000</span> and $<span id="xdx_90E_eus-gaap--OtherAssetsNoncurrent_iI_dm_c20211231__us-gaap--AssetsSoldUnderAgreementsToRepurchaseAxis__custom--RepossessedVehiclesMember_zUL74mmSMayf" title="Other assets">2.5 million</span> at December 31, 2022 and 2021, respectively.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> 571000 2500000 <p id="xdx_849_eus-gaap--TransfersAndServicingOfFinancialAssetsPolicyTextBlock_zE7JMJWGqiN5" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"><i>T<span id="xdx_861_zwWEpR8F0eng">reatment of Securitizations</span></i></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">Our term securitization structure has generally been as follows:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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 (<span style="font-family: Times New Roman, Times, Serif">"</span>Trust<span style="font-family: Times New Roman, Times, Serif">"</span>). The Trust issues interest-bearing asset-backed securities (<span style="font-family: Times New Roman, Times, Serif">"</span>Notes<span style="font-family: Times New Roman, Times, Serif">"</span>), 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 <span style="font-family: Times New Roman, Times, Serif">"</span>Noteholders<span style="font-family: Times New Roman, Times, Serif">"</span>) 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 <span style="font-family: Times New Roman, Times, Serif">"</span>Credit Enhancement<span style="font-family: Times New Roman, Times, Serif">"</span> for the benefit of the Noteholders in three forms: (1) an initial cash deposit to a bank account (a <span style="font-family: Times New Roman, Times, Serif">"</span>Spread Account<span style="font-family: Times New Roman, Times, Serif">"</span>) 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 <span style="font-family: Times New Roman, Times, Serif">"</span>Securitization Agreements<span style="font-family: Times New Roman, Times, Serif">"</span>) 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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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 <span style="font-family: Times New Roman, Times, Serif">"</span>overcollateralization<span style="font-family: Times New Roman, Times, Serif">"</span> of the Notes.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_84A_eus-gaap--TransfersAndServicingOfFinancialAssetsServicingOfFinancialAssetsPolicy_zWPyB4L1u8K2" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span id="xdx_86C_zVsxwyxDPh0c">Servicing</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_842_eus-gaap--PropertyPlantAndEquipmentPolicyTextBlock_zWz7tahZmv7g" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_86E_z4eTmcm4sU83">Furniture and Equipment</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_842_eus-gaap--ImpairmentOrDisposalOfLongLivedAssetsPolicyTextBlock_zj49lFXaaI72" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_86E_zBLm5RGpcv5l">Impairment of Long-Lived Assets and Long-Lived Assets to Be Disposed Of</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_848_ecustom--OtherIncomePolicyTextBlock_zjOz32z8yn6f" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_867_zdLeo9fTIkz8">Other Income</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">The following table presents the primary components of Other Income: </p> <table cellpadding="0" cellspacing="0" id="xdx_880_ecustom--OtherIncomeTableTextBlock_pn3n3_zdC9LhphSw85" 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"> <td style="text-align: left"><span id="xdx_8B2_z4ZBoPRGlggj" style="display: none">Schedule of other income</span></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">2022</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">2021</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">2020</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: 52%; text-align: left">Third-party portfolio</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--OtherOperatingIncome_pn3n3_c20220101__20221231__us-gaap--IncomeStatementLocationAxis__custom--ThirdPartyPortfoiloMember_zfzraEyU2DO2" style="width: 13%; text-align: right" title="Other income for the period">6,814</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--OtherOperatingIncome_pn3n3_d0_c20210101__20211231__us-gaap--IncomeStatementLocationAxis__custom--ThirdPartyPortfoiloMember_zDd6fpJ0ySsh" style="width: 13%; text-align: right" title="Other income for the period">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--OtherOperatingIncome_pn3n3_d0_c20200101__20201231__us-gaap--IncomeStatementLocationAxis__custom--ThirdPartyPortfoiloMember_zCWGf8Nvb7ng" style="width: 13%; text-align: right" title="Other income for the period">–</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Direct mail revenues</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--OtherOperatingIncome_c20220101__20221231__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_pn3n3" style="text-align: right" title="Other income for the period">774</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--OtherOperatingIncome_c20210101__20211231__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_pn3n3" style="text-align: right" title="Other income for the period">3,391</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--OtherOperatingIncome_c20200101__20201231__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_pn3n3" style="text-align: right" title="Other income for the period">3,312</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Convenience fee revenue</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--OtherOperatingIncome_c20220101__20221231__us-gaap--IncomeStatementLocationAxis__custom--ConvenienceFeeMember_pn3n3" style="text-align: right" title="Other income for the period">218</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--OtherOperatingIncome_c20210101__20211231__us-gaap--IncomeStatementLocationAxis__custom--ConvenienceFeeMember_pn3n3" style="text-align: right" title="Other income for the period">590</td><td style="text-align: left"> </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></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Recoveries on previously charged-off contracts</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--OtherOperatingIncome_c20220101__20221231__us-gaap--IncomeStatementLocationAxis__custom--RecoveriesMember_pn3n3" style="text-align: right" title="Other income for the period">71</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--OtherOperatingIncome_c20210101__20211231__us-gaap--IncomeStatementLocationAxis__custom--RecoveriesMember_pn3n3" style="text-align: right" title="Other income for the period">115</td><td style="text-align: left"> </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></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Sales tax refunds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--OtherOperatingIncome_c20220101__20221231__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_pn3n3" style="text-align: right" title="Other income for the period">737</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--OtherOperatingIncome_c20210101__20211231__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_pn3n3" style="text-align: right" title="Other income for the period">580</td><td style="text-align: left"> </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></tr> <tr 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 id="xdx_986_eus-gaap--OtherOperatingIncome_c20220101__20221231__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Other income for the period">575</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_988_eus-gaap--OtherOperatingIncome_c20210101__20211231__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Other income for the period">1,286</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--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></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <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">$</td><td id="xdx_98F_eus-gaap--OtherOperatingIncome_c20220101__20221231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">9,189</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--OtherOperatingIncome_c20210101__20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">5,962</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_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></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <table cellpadding="0" cellspacing="0" id="xdx_880_ecustom--OtherIncomeTableTextBlock_pn3n3_zdC9LhphSw85" 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"> <td style="text-align: left"><span id="xdx_8B2_z4ZBoPRGlggj" style="display: none">Schedule of other income</span></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">2022</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">2021</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">2020</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: 52%; text-align: left">Third-party portfolio</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--OtherOperatingIncome_pn3n3_c20220101__20221231__us-gaap--IncomeStatementLocationAxis__custom--ThirdPartyPortfoiloMember_zfzraEyU2DO2" style="width: 13%; text-align: right" title="Other income for the period">6,814</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--OtherOperatingIncome_pn3n3_d0_c20210101__20211231__us-gaap--IncomeStatementLocationAxis__custom--ThirdPartyPortfoiloMember_zDd6fpJ0ySsh" style="width: 13%; text-align: right" title="Other income for the period">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--OtherOperatingIncome_pn3n3_d0_c20200101__20201231__us-gaap--IncomeStatementLocationAxis__custom--ThirdPartyPortfoiloMember_zCWGf8Nvb7ng" style="width: 13%; text-align: right" title="Other income for the period">–</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Direct mail revenues</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--OtherOperatingIncome_c20220101__20221231__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_pn3n3" style="text-align: right" title="Other income for the period">774</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--OtherOperatingIncome_c20210101__20211231__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_pn3n3" style="text-align: right" title="Other income for the period">3,391</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--OtherOperatingIncome_c20200101__20201231__us-gaap--IncomeStatementLocationAxis__custom--DirectMailRevenuesMember_pn3n3" style="text-align: right" title="Other income for the period">3,312</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Convenience fee revenue</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--OtherOperatingIncome_c20220101__20221231__us-gaap--IncomeStatementLocationAxis__custom--ConvenienceFeeMember_pn3n3" style="text-align: right" title="Other income for the period">218</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--OtherOperatingIncome_c20210101__20211231__us-gaap--IncomeStatementLocationAxis__custom--ConvenienceFeeMember_pn3n3" style="text-align: right" title="Other income for the period">590</td><td style="text-align: left"> </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></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Recoveries on previously charged-off contracts</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--OtherOperatingIncome_c20220101__20221231__us-gaap--IncomeStatementLocationAxis__custom--RecoveriesMember_pn3n3" style="text-align: right" title="Other income for the period">71</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--OtherOperatingIncome_c20210101__20211231__us-gaap--IncomeStatementLocationAxis__custom--RecoveriesMember_pn3n3" style="text-align: right" title="Other income for the period">115</td><td style="text-align: left"> </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></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Sales tax refunds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--OtherOperatingIncome_c20220101__20221231__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_pn3n3" style="text-align: right" title="Other income for the period">737</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--OtherOperatingIncome_c20210101__20211231__us-gaap--IncomeStatementLocationAxis__custom--SalesTaxRefundsMember_pn3n3" style="text-align: right" title="Other income for the period">580</td><td style="text-align: left"> </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></tr> <tr 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 id="xdx_986_eus-gaap--OtherOperatingIncome_c20220101__20221231__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Other income for the period">575</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_988_eus-gaap--OtherOperatingIncome_c20210101__20211231__us-gaap--IncomeStatementLocationAxis__us-gaap--OtherIncomeMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Other income for the period">1,286</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--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></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <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">$</td><td id="xdx_98F_eus-gaap--OtherOperatingIncome_c20220101__20221231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">9,189</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--OtherOperatingIncome_c20210101__20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Other income for the period">5,962</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_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></tr> </table> 6814000 0 0 774000 3391000 3312000 218000 590000 1490000 71000 115000 111000 737000 580000 748000 575000 1286000 46000 9189000 5962000 5707000 <p id="xdx_84B_eus-gaap--EarningsPerSharePolicyTextBlock_zDm3ZcRKw0c2" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_860_zmTLj1PIrZQ1">Earnings Per Share</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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: </p> <table cellpadding="0" cellspacing="0" id="xdx_884_eus-gaap--ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_pn3n3_zzwx0hknI5x6" 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"> <td><span id="xdx_8BC_zDk6vK3wd3h8" style="display: none">Schedule of computation of earnings per share</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_498_20220101__20221231_zHFMsw2s6qd8" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_498_20210101__20211231_zbMaQSJw0fo" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20200101__20201231_zSRfqww4CYrj" style="text-align: center"> </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">2022</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">2021</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">2020</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, except per share data)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td>Numerator:</td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_405_eus-gaap--NetIncomeLoss_zWwo5nm9lvg6" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; width: 52%; text-align: left; padding-bottom: 2.5pt">Numerator for basic and diluted earnings per share</td><td style="width: 1%; 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: 13%; text-align: right">85,983</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 13%; text-align: right">47,524</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 13%; text-align: right">21,677</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 id="xdx_403_eus-gaap--WeightedAverageNumberOfSharesOutstandingBasic_i_pdd" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left">Denominator for basic earnings per share - weighted average number of common shares outstanding during the year</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">20,958</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,562</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,611</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--IncrementalCommonSharesAttributableToCallOptionsAndWarrants_i_pdd" style="vertical-align: bottom; background-color: White"> <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">5,631</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">3,218</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">1,392</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--WeightedAverageNumberOfDilutedSharesOutstanding_i_pdd" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left">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">26,589</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">25,780</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">24,003</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--EarningsPerShareBasic_pip0_z7dB4ZO2Pgr6" style="vertical-align: bottom; background-color: White"> <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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4.10</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2.11</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.96</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--EarningsPerShareDiluted_pip0_zB8MYSEE6YVj" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt">Diluted earnings per share</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3.23</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1.84</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.90</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Incremental shares of <span id="xdx_909_eus-gaap--AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_dm_c20220101__20221231_z3hDYtFKjVja" title="Incremental shares excluded from EPS calculation">1.2 million</span>, <span id="xdx_90D_eus-gaap--AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_dm_c20210101__20211231_zObii6V0DVNj" title="Incremental shares excluded from EPS calculation">5.7 million</span> and <span id="xdx_90C_eus-gaap--AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_dm_c20200101__20201231_zwKzNwfqYSH2" title="Incremental shares excluded from EPS calculation">13.6 million</span> related to stock options and warrants have been excluded from the diluted earnings per share calculation for the years ended December 31, 2022, 2021 and 2020, respectively, because the effect is anti-dilutive.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <table cellpadding="0" cellspacing="0" id="xdx_884_eus-gaap--ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_pn3n3_zzwx0hknI5x6" 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"> <td><span id="xdx_8BC_zDk6vK3wd3h8" style="display: none">Schedule of computation of earnings per share</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_498_20220101__20221231_zHFMsw2s6qd8" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_498_20210101__20211231_zbMaQSJw0fo" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20200101__20201231_zSRfqww4CYrj" style="text-align: center"> </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">2022</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">2021</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">2020</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, except per share data)</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td>Numerator:</td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_405_eus-gaap--NetIncomeLoss_zWwo5nm9lvg6" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; width: 52%; text-align: left; padding-bottom: 2.5pt">Numerator for basic and diluted earnings per share</td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 13%; text-align: right">85,983</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 13%; text-align: right">47,524</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; 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: 13%; text-align: right">21,677</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 id="xdx_403_eus-gaap--WeightedAverageNumberOfSharesOutstandingBasic_i_pdd" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left">Denominator for basic earnings per share - weighted average number of common shares outstanding during the year</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">20,958</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,562</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,611</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--IncrementalCommonSharesAttributableToCallOptionsAndWarrants_i_pdd" style="vertical-align: bottom; background-color: White"> <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">5,631</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">3,218</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">1,392</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--WeightedAverageNumberOfDilutedSharesOutstanding_i_pdd" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-indent: -10pt; padding-left: 10pt; text-align: left">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">26,589</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">25,780</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">24,003</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--EarningsPerShareBasic_pip0_z7dB4ZO2Pgr6" style="vertical-align: bottom; background-color: White"> <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">4.10</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2.11</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.96</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--EarningsPerShareDiluted_pip0_zB8MYSEE6YVj" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3.23</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1.84</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">0.90</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 85983000 47524000 21677000 20958000 22562000 22611000 5631000 3218000 1392000 26589000 25780000 24003000 4.10 2.11 0.96 3.23 1.84 0.90 1200000 5700000 13600000 <p id="xdx_840_eus-gaap--DebtPolicyTextBlock_zB3DUaPlh7dg" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_865_zK8rsNOUyHkf">Deferral and Amortization of Debt Issuance Costs</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_84C_eus-gaap--IncomeTaxPolicyTextBlock_zvrqWLrYww71" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_861_zbokG7ROiL6f">Income Taxes</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_843_ecustom--PurchasesOfCompanyStockPolicyTextBlock_zaRA6phZca25" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_862_zWuECe4EKtGd">Purchases of Company Stock</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">We record purchases of our own common stock at cost and treat the shares as retired.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"> </p> <p id="xdx_84E_eus-gaap--ShareBasedCompensationOptionAndIncentivePlansPolicy_zepPiFMZTX18" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_860_z8kaL6noewVc">Stock Option Plan</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">The Company accounts for stock-based compensation in accordance with FASB ASC Topic 718, <i>Compensation—Stock Compensation</i>, 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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"/> <p id="xdx_84F_eus-gaap--UseOfEstimates_zJVLEWIm1Tr5" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_861_zjj3scMFzcde">Use of Estimates</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"/> <p id="xdx_84E_eus-gaap--PriorPeriodReclassificationAdjustmentDescription_zYXx3wFLWXZ" style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span id="xdx_860_zY1AUPxvMhf4">Reclassification</span></p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">  </p> <p id="xdx_843_ecustom--FinancialCovenantsPolicyTextBlock_zfS1YLFwypRb" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-weight: normal"><i><span id="xdx_86B_zVWqfgnOQy69">Financial Covenant</span>s </i></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">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, 2022 we were in compliance with all such financial covenants.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p id="xdx_84D_ecustom--ProvisionForContingentLiabilitiesPolicyTextBlock_zJ9SwujvlfRe" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-weight: normal"><i><span id="xdx_86F_z8Q5fBPlke64">Provision for Contingent Liabilities </span></i></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">We have recorded a liability as of December 31, 2022, 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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p id="xdx_800_eus-gaap--CashAndCashEquivalentsDisclosureTextBlock_zoGiuBfVWKA7" style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"><i>(2) <span>Restricted Cash </span></i></p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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 $<span id="xdx_906_eus-gaap--RestrictedCash_iI_dm_c20221231_zau9Oa1J6ZRj" title="Restricted cash">149.3 million</span> and $<span id="xdx_90F_eus-gaap--RestrictedCash_iI_dm_c20211231_z8qmQk9sA64f" title="Restricted cash">146.6 million</span> as of December 31, 2022 and 2021, respectively.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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_903_eus-gaap--RestrictedCash_iI_dm_c20221231__us-gaap--RestrictedCashAndCashEquivalentsCashAndCashEquivalentsAxis__custom--SecuritizationTransactionsMember_zyA5LJQ8ObC2" title="Restricted cash">56.8 million</span> and $<span id="xdx_90F_eus-gaap--RestrictedCash_iI_dm_c20211231__us-gaap--RestrictedCashAndCashEquivalentsCashAndCashEquivalentsAxis__custom--SecuritizationTransactionsMember_zFvOgxJc40K7" title="Restricted cash">49.0 million</span> as of December 31, 2022 and 2021, respectively.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> 149300000 146600000 56800000 49000000.0 <p id="xdx_80E_ecustom--FinanceReceivableTextBlock_zc4LVV3tnqab" style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"><i>(3) <span>Finance Receivables</span></i></p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">The following table presents the components of finance receivables, net of unearned interest: </p> <table cellpadding="0" cellspacing="0" id="xdx_894_eus-gaap--ScheduleOfFinancingReceivablesMinimumPaymentsTableTextBlock_pn3n3_z8jvLujikZze" 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"> <td style="padding-left: 10pt; text-align: left"><span id="xdx_8B5_zOgRanIaBBY1" style="display: none">Schedule of finance receivables</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20221231_zih17Si2zCAj" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20211231_zc3LQ1o75d44" style="text-align: center"> </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">2022</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">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr 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_40D_eus-gaap--LoansAndLeasesReceivableBeforeFeesGross_iI_pn3n3_z8uipyWlr7Z4" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt; width: 68%; text-align: left">Automobile finance receivables, net of unearned interest</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">92,304</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">232,390</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums_iI_pn3n3_d0_zMH47ieRvvag" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt; text-align: left; padding-bottom: 1pt">Unearned acquisition fees, discounts and deferred origination costs, net</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">–</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--LoansAndLeasesReceivableGrossCarryingAmount_iI_pn3n3_z25mpIjw3Yfe" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt; text-align: left; padding-bottom: 2.5pt">Finance receivables</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">92,304</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">232,390</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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, 2022 and 2021: </p> <table cellpadding="0" cellspacing="0" id="xdx_886_eus-gaap--ImpairedFinancingReceivablesTableTextBlock_pn3n3_zZwpSTQjU6D5" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (3) Finance Receivables (Details - Delinquency status)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B6_zWns4U9VYYQ9" style="display: none">Schedule of amortized cost basis of finance receivables</span></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">2022</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">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td>Delinquency Status</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: 68%">Current</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--NotesReceivableGross_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables1To29DaysPastDueMember_pn3n3" style="width: 13%; text-align: right" title="Finance receivables">65,764</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--NotesReceivableGross_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables1To29DaysPastDueMember_pn3n3" style="width: 13%; text-align: right" title="Total finance receivables with delinquency status">186,625</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_980_eus-gaap--NotesReceivableGross_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables">16,796</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--NotesReceivableGross_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_pn3n3" style="text-align: right" title="Total finance receivables with delinquency status">30,980</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_986_eus-gaap--NotesReceivableGross_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_pn3n3" style="text-align: right" title="Total finance receivables with delinquency status">7,756</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--NotesReceivableGross_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_pn3n3" style="text-align: right" title="Total finance receivables with delinquency status">12,070</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_981_eus-gaap--NotesReceivableGross_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total finance receivables with delinquency status">1,988</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--NotesReceivableGross_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total finance receivables with delinquency status">2,715</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_989_eus-gaap--NotesReceivableGross_c20221231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total finance receivables with delinquency status">92,304</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--NotesReceivableGross_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total finance receivables with delinquency status">232,390</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Finance receivables totaling $<span id="xdx_90C_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_dm_c20221231_zceCX3w4HqC6" title="Finance receivables, non accrual status">2.0 million</span> and $<span id="xdx_90B_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_dm_c20211231_zfPbKsTQj7u5" title="Finance receivables, non accrual status">2.7 million</span> at December 31, 2022 and 2021, respectively, have been placed on non-accrual status as a result of their delinquency status.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"><b>Allowance for Credit Losses – Finance Receivables </b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following table presents the amortized cost basis of our finance receivables by annual vintage as of December 31, 2022 and 2021: </p> <table cellpadding="0" cellspacing="0" id="xdx_889_ecustom--ScheduleOfAmortizedCostBasisOfFinanceReceivablesTableTextBlock_pn3n3_zrGP5rVt3Ule" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (3) Finance Receivables (Details - Amortized Cost Basis)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BC_zOcAxn3EhiP3" style="display: none">Schedule of amortized cost basis of finance receivables</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_494_20221231_zlohgETIEMce" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49A_20211231_zmaEhymtu4Ya" style="text-align: center"> </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">2022</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">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </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 id="xdx_402_ecustom--ServicingAssetAtAmortizedValue2012AndPrior_iI_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 68%; text-align: left">2012 and prior</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">33</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">131</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_402_ecustom--ServicingAssetAtAmortizedValue2013_iI_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2013</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">231</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,091</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_ecustom--ServicingAssetAtAmortizedValue2014_iI_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2014</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,601</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,881</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_ecustom--ServicingAssetAtAmortizedValue2015_iI_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2015</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,627</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">29,695</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_ecustom--ServicingAssetAtAmortizedValue2016_iI_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2016</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">28,632</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">76,728</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_ecustom--ServicingAssetAtAmortizedValue2017_iI_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">2017</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">53,180</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">117,864</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--ServicingAssetAtAmortizedValue_iI_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="color: rgb(238,238,238); padding-bottom: 2.5pt"> Total amortized cost basis</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">92,304</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">232,390</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">At the adoption of CECL, the Company recorded an addition to its allowance for finance credit losses of $<span id="xdx_90F_ecustom--AllowanceForFinanceCreditLosses_iI_dm_c20221231_z0Q44Z05eZ1b" title="Allowance for finance credit losses">127.0 million</span>. 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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The Company recorded a reduction to provision for credit losses on finance receivables in the amount of $<span id="xdx_90A_ecustom--CreditLossesOnFinanceReceivables_dm_c20220101__20221231_zoZCekKvxH0f" title="Credit losses on finance receivables">28.1 million</span> and $<span id="xdx_90E_ecustom--CreditLossesOnFinanceReceivables_dm_c20210101__20211231_ztfNAsLM9Ct3" title="Credit losses on finance receivables">14.6 million</span> for the years ended December 31, 2022, and 2021, respectively. The reserve decrease was primarily due to a decrease in lifetime expected credit losses resulting from improved credit performance, an improved macroeconomic outlook and higher used car prices. The Company made additional provisions for credit losses of $<span id="xdx_904_ecustom--CreditLossesOnFinanceReceivables_dm_c20200101__20201231_ze1sfEy4vZsg" title="Credit losses on finance receivables">14.1 million</span> for the year ended December 30, 2020. Those reserve increases were made in consideration for the uncertainty associated with the pandemic.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following table presents a summary of the activity for the allowance for finance credit losses, for the years ended December 31, 2022, 2021 and 2020: </p> <table cellpadding="0" cellspacing="0" id="xdx_887_eus-gaap--AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_pn3n3_zOPSPFodDdu3" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (3) Finance Receivables (Details - Summary of activity)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B8_zyihqhyw8S23" style="display: none">Schedule of allowance for finance credit losses</span></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">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">2022</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">2021</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">2020</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: 52%; text-align: left">Balance at beginning of year</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20211231_zpIpmY9SCjlh" style="width: 13%; text-align: right" title="Balance at beginning of year">56,206</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20201231_z03dlaALUki8" style="width: 13%; text-align: right" title="Balance at beginning of year">80,790</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20191231_zRcQdYdu10r8" style="width: 13%; text-align: right" title="Balance at beginning of year">11,640</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 adoption ASC 326</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">n/a </span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">n/a </span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--AccountsReceivableChangeInMethodCreditLossExpenseReversal_pn3n3_c20200101__20201231_z0WfJdC8uBse" style="text-align: right" title="Impact of adopting ASC 326">127,000</td><td style="text-align: left"> </td></tr> <tr 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 id="xdx_98C_eus-gaap--ProvisionForLoanAndLeaseLosses_c20220101__20221231_pn3n3" style="text-align: right" title="Provision for credit losses on finance receivables">(28,100</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ProvisionForLoanAndLeaseLosses_c20210101__20211231_pn3n3" style="text-align: right" title="Provision for credit losses on finance receivables">(14,590</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ProvisionForLoanAndLeaseLosses_pn3n3_c20200101__20201231_zePUlqopVGHb" style="text-align: right" title="Provision for credit losses on finance receivables">14,113</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>Charge-offs</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_iN_pn3n3_di_c20220101__20221231_zC7t5vu4mgI" style="text-align: right" title="Charge-offs">(18,319</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_iN_pn3n3_di_c20210101__20211231_za5KsIaHB3ie" style="text-align: right" title="Charge-offs">(30,940</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_iN_pn3n3_di_c20200101__20201231_z6phR8fagLQd" style="text-align: right" title="Charge-offs">(90,824</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt">Recoveries</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--AllowanceForDoubtfulAccountsReceivableRecoveries_c20220101__20221231_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Recoveries">11,966</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--AllowanceForDoubtfulAccountsReceivableRecoveries_pn3n3_c20210101__20211231_zrYFS8nKLq4" style="border-bottom: Black 1pt solid; text-align: right" title="Recoveries">20,946</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--AllowanceForDoubtfulAccountsReceivableRecoveries_pn3n3_c20200101__20201231_znXqT7n7Utpc" style="border-bottom: Black 1pt solid; text-align: right" title="Recoveries">18,861</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">Balance at end of year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iE_pn3n3_c20221231_zGIVdag6YAkb" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of year">21,753</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20211231_z8amxohiocd1" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at beginning of year">56,206</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--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20201231_zbRXT2KfXPjf" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at beginning of year">80,790</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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: </p> <table cellpadding="0" cellspacing="0" id="xdx_88A_ecustom--AllowanceForLossesOnRepossessedInventoryTableTextBlock_pn3n3_zorXsBxDdWSd" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (3) Finance Receivables (Details - Repossessed inventory)"> <tr style="vertical-align: bottom"> <td style="text-align: left; padding-bottom: 1pt"><span id="xdx_8B2_zHerqMy7Cskj" style="display: none">Schedule of allowance for losses on repossessed inventory</span></td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td style="text-align: center"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td style="text-align: center"> </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">2022</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">2021</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: 68%; text-align: left">Gross balance of repossessions in inventory</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_ecustom--GrossBalanceOfRepossessionsInInventory_c20221231_pn3n3" style="width: 13%; text-align: right" title="Gross balance of repossessions in inventory">1,894</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_ecustom--GrossBalanceOfRepossessionsInInventory_iI_pn3n3_c20211231_zS9L9AU1X5T9" style="width: 13%; text-align: right" title="Gross balance of repossessions in inventory">4,341</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Allowance for losses on repossessed inventory</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--ValuationAllowancesAndReservesAdjustments_c20220101__20221231_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Allowance for losses on repossessed inventory">(1,323</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--ValuationAllowancesAndReservesAdjustments_c20210101__20211231_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Allowance for losses on repossessed inventory">(1,871</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Net repossessed inventory included in other assets</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--ForeclosedAssets_c20221231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Net repossessed inventory included in other assets">571</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--ForeclosedAssets_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Net repossessed inventory included in other assets">2,470</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <table cellpadding="0" cellspacing="0" id="xdx_894_eus-gaap--ScheduleOfFinancingReceivablesMinimumPaymentsTableTextBlock_pn3n3_z8jvLujikZze" 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"> <td style="padding-left: 10pt; text-align: left"><span id="xdx_8B5_zOgRanIaBBY1" style="display: none">Schedule of finance receivables</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20221231_zih17Si2zCAj" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20211231_zc3LQ1o75d44" style="text-align: center"> </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">2022</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">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr 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_40D_eus-gaap--LoansAndLeasesReceivableBeforeFeesGross_iI_pn3n3_z8uipyWlr7Z4" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt; width: 68%; text-align: left">Automobile finance receivables, net of unearned interest</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">92,304</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">232,390</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums_iI_pn3n3_d0_zMH47ieRvvag" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt; text-align: left; padding-bottom: 1pt">Unearned acquisition fees, discounts and deferred origination costs, net</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">–</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">–</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--LoansAndLeasesReceivableGrossCarryingAmount_iI_pn3n3_z25mpIjw3Yfe" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-left: 10pt; text-align: left; padding-bottom: 2.5pt">Finance receivables</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">92,304</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">232,390</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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, 2022 and 2021: </p> 92304000 232390000 0 0 92304000 232390000 <table cellpadding="0" cellspacing="0" id="xdx_886_eus-gaap--ImpairedFinancingReceivablesTableTextBlock_pn3n3_zZwpSTQjU6D5" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (3) Finance Receivables (Details - Delinquency status)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B6_zWns4U9VYYQ9" style="display: none">Schedule of amortized cost basis of finance receivables</span></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">2022</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">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td>Delinquency Status</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: 68%">Current</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--NotesReceivableGross_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables1To29DaysPastDueMember_pn3n3" style="width: 13%; text-align: right" title="Finance receivables">65,764</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--NotesReceivableGross_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables1To29DaysPastDueMember_pn3n3" style="width: 13%; text-align: right" title="Total finance receivables with delinquency status">186,625</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_980_eus-gaap--NotesReceivableGross_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_pn3n3" style="text-align: right" title="Finance receivables">16,796</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--NotesReceivableGross_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_pn3n3" style="text-align: right" title="Total finance receivables with delinquency status">30,980</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_986_eus-gaap--NotesReceivableGross_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_pn3n3" style="text-align: right" title="Total finance receivables with delinquency status">7,756</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--NotesReceivableGross_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_pn3n3" style="text-align: right" title="Total finance receivables with delinquency status">12,070</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_981_eus-gaap--NotesReceivableGross_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total finance receivables with delinquency status">1,988</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--NotesReceivableGross_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total finance receivables with delinquency status">2,715</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_989_eus-gaap--NotesReceivableGross_c20221231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total finance receivables with delinquency status">92,304</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--NotesReceivableGross_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total finance receivables with delinquency status">232,390</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 65764000 186625000 16796000 30980000 7756000 12070000 1988000 2715000 92304000 232390000 2000000.0 2700000 <table cellpadding="0" cellspacing="0" id="xdx_889_ecustom--ScheduleOfAmortizedCostBasisOfFinanceReceivablesTableTextBlock_pn3n3_zrGP5rVt3Ule" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (3) Finance Receivables (Details - Amortized Cost Basis)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BC_zOcAxn3EhiP3" style="display: none">Schedule of amortized cost basis of finance receivables</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_494_20221231_zlohgETIEMce" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49A_20211231_zmaEhymtu4Ya" style="text-align: center"> </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">2022</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">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </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 id="xdx_402_ecustom--ServicingAssetAtAmortizedValue2012AndPrior_iI_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 68%; text-align: left">2012 and prior</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">33</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">131</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_402_ecustom--ServicingAssetAtAmortizedValue2013_iI_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2013</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">231</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,091</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_ecustom--ServicingAssetAtAmortizedValue2014_iI_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2014</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,601</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,881</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_ecustom--ServicingAssetAtAmortizedValue2015_iI_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2015</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,627</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">29,695</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_ecustom--ServicingAssetAtAmortizedValue2016_iI_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2016</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">28,632</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">76,728</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_ecustom--ServicingAssetAtAmortizedValue2017_iI_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">2017</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">53,180</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">117,864</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--ServicingAssetAtAmortizedValue_iI_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="color: rgb(238,238,238); padding-bottom: 2.5pt"> Total amortized cost basis</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">92,304</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">232,390</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 33000 131000 231000 1091000 1601000 6881000 8627000 29695000 28632000 76728000 53180000 117864000 92304000 232390000 127000000.0 28100000 14600000 14100000 <table cellpadding="0" cellspacing="0" id="xdx_887_eus-gaap--AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_pn3n3_zOPSPFodDdu3" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (3) Finance Receivables (Details - Summary of activity)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B8_zyihqhyw8S23" style="display: none">Schedule of allowance for finance credit losses</span></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">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">2022</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">2021</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">2020</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: 52%; text-align: left">Balance at beginning of year</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20211231_zpIpmY9SCjlh" style="width: 13%; text-align: right" title="Balance at beginning of year">56,206</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20201231_z03dlaALUki8" style="width: 13%; text-align: right" title="Balance at beginning of year">80,790</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20191231_zRcQdYdu10r8" style="width: 13%; text-align: right" title="Balance at beginning of year">11,640</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 adoption ASC 326</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">n/a </span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">n/a </span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--AccountsReceivableChangeInMethodCreditLossExpenseReversal_pn3n3_c20200101__20201231_z0WfJdC8uBse" style="text-align: right" title="Impact of adopting ASC 326">127,000</td><td style="text-align: left"> </td></tr> <tr 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 id="xdx_98C_eus-gaap--ProvisionForLoanAndLeaseLosses_c20220101__20221231_pn3n3" style="text-align: right" title="Provision for credit losses on finance receivables">(28,100</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ProvisionForLoanAndLeaseLosses_c20210101__20211231_pn3n3" style="text-align: right" title="Provision for credit losses on finance receivables">(14,590</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ProvisionForLoanAndLeaseLosses_pn3n3_c20200101__20201231_zePUlqopVGHb" style="text-align: right" title="Provision for credit losses on finance receivables">14,113</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>Charge-offs</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_iN_pn3n3_di_c20220101__20221231_zC7t5vu4mgI" style="text-align: right" title="Charge-offs">(18,319</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_iN_pn3n3_di_c20210101__20211231_za5KsIaHB3ie" style="text-align: right" title="Charge-offs">(30,940</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--AllowanceForDoubtfulAccountsReceivableWriteOffs_iN_pn3n3_di_c20200101__20201231_z6phR8fagLQd" style="text-align: right" title="Charge-offs">(90,824</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt">Recoveries</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--AllowanceForDoubtfulAccountsReceivableRecoveries_c20220101__20221231_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Recoveries">11,966</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--AllowanceForDoubtfulAccountsReceivableRecoveries_pn3n3_c20210101__20211231_zrYFS8nKLq4" style="border-bottom: Black 1pt solid; text-align: right" title="Recoveries">20,946</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--AllowanceForDoubtfulAccountsReceivableRecoveries_pn3n3_c20200101__20201231_znXqT7n7Utpc" style="border-bottom: Black 1pt solid; text-align: right" title="Recoveries">18,861</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">Balance at end of year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iE_pn3n3_c20221231_zGIVdag6YAkb" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of year">21,753</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20211231_z8amxohiocd1" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at beginning of year">56,206</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--FinancingReceivableAllowanceForCreditLosses_iS_pn3n3_c20201231_zbRXT2KfXPjf" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at beginning of year">80,790</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 56206000 80790000 11640000 127000000 -28100000 -14590000 14113000 18319000 30940000 90824000 11966000 20946000 18861000 21753000 56206000 80790000 <table cellpadding="0" cellspacing="0" id="xdx_88A_ecustom--AllowanceForLossesOnRepossessedInventoryTableTextBlock_pn3n3_zorXsBxDdWSd" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (3) Finance Receivables (Details - Repossessed inventory)"> <tr style="vertical-align: bottom"> <td style="text-align: left; padding-bottom: 1pt"><span id="xdx_8B2_zHerqMy7Cskj" style="display: none">Schedule of allowance for losses on repossessed inventory</span></td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td style="text-align: center"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td style="text-align: center"> </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">2022</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">2021</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: 68%; text-align: left">Gross balance of repossessions in inventory</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_ecustom--GrossBalanceOfRepossessionsInInventory_c20221231_pn3n3" style="width: 13%; text-align: right" title="Gross balance of repossessions in inventory">1,894</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_ecustom--GrossBalanceOfRepossessionsInInventory_iI_pn3n3_c20211231_zS9L9AU1X5T9" style="width: 13%; text-align: right" title="Gross balance of repossessions in inventory">4,341</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Allowance for losses on repossessed inventory</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--ValuationAllowancesAndReservesAdjustments_c20220101__20221231_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Allowance for losses on repossessed inventory">(1,323</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--ValuationAllowancesAndReservesAdjustments_c20210101__20211231_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Allowance for losses on repossessed inventory">(1,871</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Net repossessed inventory included in other assets</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--ForeclosedAssets_c20221231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Net repossessed inventory included in other assets">571</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--ForeclosedAssets_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Net repossessed inventory included in other assets">2,470</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1894000 4341000 -1323000 -1871000 571000 2470000 <p id="xdx_804_eus-gaap--PropertyPlantAndEquipmentDisclosureTextBlock_z2JOXj54FFY6" style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"><i>(4) <span>Furniture and Equipment</span></i></p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">The following table presents the components of furniture and equipment: </p> <table cellpadding="0" cellspacing="0" id="xdx_880_eus-gaap--PropertyPlantAndEquipmentTextBlock_pn3n3_zWKEK7b5kCt5" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (4) Furniture and Equipment (Details)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BE_zM16ZsymSrfk" style="display: none">Schedule of furniture and equipment</span></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">2022</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">2021</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: 68%; text-align: left">Furniture and fixtures</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--PropertyPlantAndEquipmentGross_c20221231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--FurnitureAndFixturesMember_pn3n3" style="width: 13%; text-align: right" title="Furniture and equipment, gross">1,936</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--PropertyPlantAndEquipmentGross_c20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--FurnitureAndFixturesMember_pn3n3" style="width: 13%; text-align: right" title="Furniture and equipment, gross">1,936</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_983_eus-gaap--PropertyPlantAndEquipmentGross_c20221231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--ComputerEquipmentMember_pn3n3" style="text-align: right" title="Furniture and equipment, gross">6,349</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PropertyPlantAndEquipmentGross_c20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--ComputerEquipmentMember_pn3n3" style="text-align: right" title="Furniture and equipment, gross">5,216</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_984_eus-gaap--PropertyPlantAndEquipmentGross_c20221231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LeaseholdImprovementsMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Furniture and equipment, gross">1,570</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--PropertyPlantAndEquipmentGross_c20211231__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_98D_eus-gaap--PropertyPlantAndEquipmentGross_c20221231_pn3n3" style="text-align: right" title="Furniture and equipment, gross">9,855</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--PropertyPlantAndEquipmentGross_c20211231_pn3n3" style="text-align: right" title="Furniture and equipment, gross">8,659</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_985_eus-gaap--AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_iNI_pn3n3_di_c20221231_zZSPEhsokzsf" style="border-bottom: Black 1pt solid; text-align: right" title="Less: accumulated depreciation and amortization">(8,195</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_988_eus-gaap--AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_iNI_pn3n3_di_c20211231_zH06WVSbkUp1" style="border-bottom: Black 1pt solid; text-align: right" title="Less: accumulated depreciation and amortization">(7,530</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_981_eus-gaap--PropertyPlantAndEquipmentNet_c20221231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Furniture and equipment, net">1,660</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--PropertyPlantAndEquipmentNet_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Furniture and equipment, net">1,129</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">Depreciation expense totaled $<span id="xdx_90A_eus-gaap--Depreciation_pp0p0_c20220101__20221231_zBGCJoOy1MNk" title="Depreciation expense">1,618,000</span>, $<span id="xdx_900_eus-gaap--Depreciation_pp0p0_c20210101__20211231_zILFJObcc4k2" title="Depreciation expense">1,675,000</span>, and $<span id="xdx_90F_eus-gaap--Depreciation_pp0p0_c20200101__20201231_zfKFGv3avzo" title="Depreciation expense">1,784,000</span> for the years ended December 31, 2022, 2021 and 2020, respectively.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"> </p> <table cellpadding="0" cellspacing="0" id="xdx_880_eus-gaap--PropertyPlantAndEquipmentTextBlock_pn3n3_zWKEK7b5kCt5" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (4) Furniture and Equipment (Details)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8BE_zM16ZsymSrfk" style="display: none">Schedule of furniture and equipment</span></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">2022</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">2021</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: 68%; text-align: left">Furniture and fixtures</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--PropertyPlantAndEquipmentGross_c20221231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--FurnitureAndFixturesMember_pn3n3" style="width: 13%; text-align: right" title="Furniture and equipment, gross">1,936</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--PropertyPlantAndEquipmentGross_c20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--FurnitureAndFixturesMember_pn3n3" style="width: 13%; text-align: right" title="Furniture and equipment, gross">1,936</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_983_eus-gaap--PropertyPlantAndEquipmentGross_c20221231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--ComputerEquipmentMember_pn3n3" style="text-align: right" title="Furniture and equipment, gross">6,349</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PropertyPlantAndEquipmentGross_c20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--ComputerEquipmentMember_pn3n3" style="text-align: right" title="Furniture and equipment, gross">5,216</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_984_eus-gaap--PropertyPlantAndEquipmentGross_c20221231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LeaseholdImprovementsMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Furniture and equipment, gross">1,570</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--PropertyPlantAndEquipmentGross_c20211231__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_98D_eus-gaap--PropertyPlantAndEquipmentGross_c20221231_pn3n3" style="text-align: right" title="Furniture and equipment, gross">9,855</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--PropertyPlantAndEquipmentGross_c20211231_pn3n3" style="text-align: right" title="Furniture and equipment, gross">8,659</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_985_eus-gaap--AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_iNI_pn3n3_di_c20221231_zZSPEhsokzsf" style="border-bottom: Black 1pt solid; text-align: right" title="Less: accumulated depreciation and amortization">(8,195</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_988_eus-gaap--AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_iNI_pn3n3_di_c20211231_zH06WVSbkUp1" style="border-bottom: Black 1pt solid; text-align: right" title="Less: accumulated depreciation and amortization">(7,530</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_981_eus-gaap--PropertyPlantAndEquipmentNet_c20221231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Furniture and equipment, net">1,660</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--PropertyPlantAndEquipmentNet_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Furniture and equipment, net">1,129</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1936000 1936000 6349000 5216000 1570000 1507000 9855000 8659000 8195000 7530000 1660000 1129000 1618000 1675000 1784000 <p id="xdx_805_ecustom--SecuritizationTrustDebtTextBlock_zMOhhWHfDxOh" style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"><i>(5) <span>Securitization Trust Debt</span></i></p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <table cellpadding="0" cellspacing="0" id="xdx_897_eus-gaap--ScheduleOfDebtInstrumentsTextBlock_pn3n3_zABnkTm3zT71" 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"> <td><span id="xdx_8BD_zqTYptiuscxb" style="display: none">Schedule of securitization trust debt</span></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><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 colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Weighted</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="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">Final</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Receivables</td><td style="font-weight: bold"> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Outstanding</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Outstanding</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Contractual Debt</td><td style="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">Scheduled</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Pledged at</td><td style="font-weight: bold"> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Principal at</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Principal at</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Interest Rate at</td><td style="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">Payment</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><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Initial</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><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><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 style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Series</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">Date (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">2022 (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">Principal</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">2022</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">2021</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">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td colspan="25" style="text-align: center"><b>(Dollars in thousands)</b></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 12%">CPS 2017-A</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98F_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017AMember_fKDEp_zYgDpDrqlh2a" style="width: 15%; text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">April 2024</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_ecustom--ReceivablesPledged_iI_pn3n3_d0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017AMember_fKDIp_zEg3jFsX4Erb" style="width: 11%; text-align: right" title="Receivables Pledged at end of period">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017AMember_pn3n3" style="width: 11%; text-align: right" title="Initial Principal">206,320</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017AMember_zBT0yQIxpWL6" style="width: 11%; text-align: right" title="Outstanding Principal">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2017AMember_zjv2WeiBVRQ4" style="width: 11%; text-align: right" title="Outstanding Principal">17,644</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017AMember_zBzZTfyfuayg" style="width: 11%; text-align: right" title="Weighted Average Contractual Interest Rate">–</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2017-B</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017BMember_fKDEp_zss7xu3ATspk" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 2023</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--ReceivablesPledged_iI_pn3n3_d0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017BMember_fKDIp_zh7K5Bphonj" 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_98D_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017BMember_zLznS36tCcX4" 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_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2017BMember_zg4FDCVLu7C2" style="text-align: right" title="Outstanding Principal">12,491</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017BMember_zTn6L8G3DSzg" style="text-align: right" title="Weighted Average Contractual Interest Rate">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2017-C</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017CMember_fKDEp_zBldF7WRlGWi" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">September 2024</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--ReceivablesPledged_iI_pn3n3_d0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017CMember_fKDIp_zOsHZ1q9glbj" 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_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017CMember_zKDch4WVyCO5" 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_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2017CMember_z6HmiZzSOpQl" style="text-align: right" title="Outstanding Principal">25,846</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DebtWeightedAverageInterestRate_iI_pid_dp0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017CMember_zZRPXGIVdRGj" style="text-align: right" title="Weighted Average Contractual Interest Rate">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2017-D</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017DMember_fKDEp_zWlryDyab7Rg" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June 2024</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--ReceivablesPledged_iI_pn3n3_d0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017DMember_fKDIp_zYAYx5AK5gc8" 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_98B_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017DMember_zbYECaW1tCKk" 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_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2017DMember_zGgZ735a3NEc" style="text-align: right" title="Outstanding Principal">26,744</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017DMember_z7y6HR9Roth7" style="text-align: right" title="Weighted Average Contractual Interest Rate">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2018-A</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_fKDEp_zTHvdQzlFdol" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">March 2025</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_fKDIp_zOqCNvU3qZii" style="text-align: right" title="Receivables Pledged at end of period">16,642</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_pn3n3" style="text-align: right" title="Outstanding Principal">12,939</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_zJNhjsxycvc6" style="text-align: right" title="Outstanding Principal">29,518</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90B_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_z2Vpu5Rgw79j" title="Weighted Average Contractual Interest Rate">5.17</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2018-B</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_fKDEp_znKHNphzdpoa" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 2024</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_fKDIp_zPiGJu90D8Zd" style="text-align: right" title="Receivables Pledged at end of period">20,897</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_pn3n3" style="text-align: right" title="Outstanding Principal">17,077</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_zb0NwCu1SUbh" style="text-align: right" title="Outstanding Principal">36,092</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_908_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_z45FVhaqq0ak" title="Weighted Average Contractual Interest Rate">5.61</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2018-C</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_fKDEp_z3vRPIpkd2vg" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">September 2025</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_fKDIp_zI5enJZ98h99" style="text-align: right" title="Receivables Pledged at end of period">24,589</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_pn3n3" style="text-align: right" title="Outstanding Principal">20,222</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_zi9Q8Sh1l0c4" style="text-align: right" title="Outstanding Principal">42,765</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90B_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_zbFFPAwllcE4" title="Weighted Average Contractual Interest Rate">6.07</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2018-D</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_fKDEp_zHggInv0cIUe" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June 2025</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_fKDIp_zodL6dDHV4wg" style="text-align: right" title="Receivables Pledged at end of period">30,015</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_pn3n3" style="text-align: right" title="Outstanding Principal">25,563</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_zW6xa8qAj3hb" style="text-align: right" title="Outstanding Principal">49,634</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_908_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_zNTdhIJfSvUi" title="Weighted Average Contractual Interest Rate">5.82</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2019-A</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_fKDEp_zFUKDgedSZy6" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">March 2026</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_fKDIp_zvbh6z3YDOi5" style="text-align: right" title="Receivables Pledged at end of period">38,138</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_pn3n3" style="text-align: right" title="Outstanding Principal">32,898</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_zHCDBZzTgii6" style="text-align: right" title="Outstanding Principal">62,667</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_900_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_zc5XAf60sF1g" title="Weighted Average Contractual Interest Rate">5.49</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2019-B</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_fKDEp_zm9BiITEMXU3" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June 2026</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_fKDIp_zrUcRfJFIPT4" style="text-align: right" title="Receivables Pledged at end of period">39,755</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_pn3n3" style="text-align: right" title="Outstanding Principal">33,897</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_zd3kexlgT7l9" style="text-align: right" title="Outstanding Principal">61,730</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_901_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_zQz5cHlWO5lg" title="Weighted Average Contractual Interest Rate">5.39</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2019-C</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_fKDEp_zOlTzsStOTd" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">September 2026</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_fKDIp_zbfJJSEl0vG4" style="text-align: right" title="Receivables Pledged at end of period">46,903</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_pn3n3" style="text-align: right" title="Outstanding Principal">41,515</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_zCNtR71yCl7d" style="text-align: right" title="Outstanding Principal">75,065</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_903_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_zErywqZSOlFb" title="Weighted Average Contractual Interest Rate">4.35</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2019-D</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_fKDEp_zBxZ2RHeefs6" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 2026</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_fKDIp_zvbM6AgrFpek" style="text-align: right" title="Receivables Pledged at end of period">60,856</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_pn3n3" style="text-align: right" title="Outstanding Principal">53,625</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_zd4KeHWscoF7" style="text-align: right" title="Outstanding Principal">98,625</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_902_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_z4pWhdKs23b6" title="Weighted Average Contractual Interest Rate">3.71</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2020-A</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_fKDEp_z6YfiaGzybUb" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">March 2027</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_fKDIp_z7brbgWKRbO3" style="text-align: right" title="Receivables Pledged at end of period">56,226</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_pn3n3" style="text-align: right" title="Outstanding Principal">52,705</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_zqbXxv1zEHNj" style="text-align: right" title="Outstanding Principal">99,485</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_900_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_zgqw83rVH2Ih" title="Weighted Average Contractual Interest Rate">3.99</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2020-B</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_fKDEp_za8goGE4Lo41" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June 2027</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_fKDIp_z3rjie8pLa0j" style="text-align: right" title="Receivables Pledged at end of period">63,849</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_98A_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_pn3n3" style="text-align: right" title="Outstanding Principal">41,736</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_zj50fKnMmTo2" style="text-align: right" title="Outstanding Principal">87,048</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_909_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_zD5llgqPimA5" title="Weighted Average Contractual Interest Rate">6.16</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2020-C</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_fKDEp_zGACuGl6UoR7" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">November 2027</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_fKDIp_zVAeBmNiC6v1" style="text-align: right" title="Receivables Pledged at end of period">86,061</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_pn3n3" style="text-align: right" title="Initial Principal">252,200</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_pn3n3" style="text-align: right" title="Outstanding Principal">72,894</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_zVHUwA3VJSUh" style="text-align: right" title="Outstanding Principal">138,899</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90C_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_zNappbbDhfde" title="Weighted Average Contractual Interest Rate">3.24</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2021-A</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_fKDEp_z1Zsc27R2s3a" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">March 2028</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_fKDIp_zCP1YVIQ3Oid" style="text-align: right" title="Receivables Pledged at end of period">90,801</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_pn3n3" style="text-align: right" title="Initial Principal">230,545</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_pn3n3" style="text-align: right" title="Outstanding Principal">72,076</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_zH532iFfAPJ9" style="text-align: right" title="Outstanding Principal">147,516</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90E_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_zgA54cpSYzAj" title="Weighted Average Contractual Interest Rate">1.39</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2021-B</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_fKDEp_z4EWOAu9PVG4" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June 2028</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_fKDIp_zJRPbmZlrSZh" style="text-align: right" title="Receivables Pledged at end of period">113,723</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_pn3n3" style="text-align: right" title="Initial Principal">240,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_pn3n3" style="text-align: right" title="Outstanding Principal">101,206</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zv5fITUio8Q6" style="text-align: right" title="Outstanding Principal">179,856</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90D_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zkYiWxieu0Kb" title="Weighted Average Contractual Interest Rate">1.86</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2021-C</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_fKDEp_z1qG1Ro5bmkd" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">September 2028</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_fKDIp_zHwzfrAoiLCk" style="text-align: right" title="Receivables Pledged at end of period">165,102</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_pn3n3" style="text-align: right" title="Initial Principal">291,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_pn3n3" style="text-align: right" title="Outstanding Principal">147,593</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_z6Saw8w6lU7l" style="text-align: right" title="Outstanding Principal">250,003</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90C_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zGgQgQoWaZO9" title="Weighted Average Contractual Interest Rate">1.60</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2021-D</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_fKDEp_zgoytdNzVtv1" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 2028</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_fKDIp_zFm4irsLK7Jk" style="text-align: right" title="Receivables Pledged at end of period">224,055</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_pn3n3" style="text-align: right" title="Initial Principal">349,202</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_pn3n3" style="text-align: right" title="Outstanding Principal">209,277</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_z2KnuB71gyK3" style="text-align: right" title="Outstanding Principal">330,325</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90C_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_z2ooHsy0T9Rl" title="Weighted Average Contractual Interest Rate">1.85</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2022-A</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_fKDEp_zTjB0wee5cQ1" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">April 2029</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_fKDIp_zWTmTvURA18i" style="text-align: right" title="Receivables Pledged at end of period">243,580</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_pn3n3" style="text-align: right" title="Initial Principal">316,800</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_pn3n3" style="text-align: right" title="Outstanding Principal">222,613</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_zX7RlOaFaUpa" style="text-align: right" title="Outstanding Principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90F_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_z304IWDbhd2b" title="Weighted Average Contractual Interest Rate">2.16</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2022-B</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_fKDEp_zHC0lJetYb1c" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">October 2029</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_fKDIp_z3T1WnqFkYu2" style="text-align: right" title="Receivables Pledged at end of period">355,224</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_pn3n3" style="text-align: right" title="Initial Principal">395,600</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_pn3n3" style="text-align: right" title="Outstanding Principal">325,907</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_zKk3B0DQMZe" style="text-align: right" title="Outstanding Principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90C_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_z3usV6lORMkc" title="Weighted Average Contractual Interest Rate">4.16</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2022-C</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_fKDEp_z1MHwOCGNg7f" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">April 2030</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_fKDIp_zfciH2frVsC5" style="text-align: right" title="Receivables Pledged at end of period">394,782</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_pn3n3" style="text-align: right" title="Initial Principal">391,600</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_pn3n3" style="text-align: right" title="Outstanding Principal">346,714</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_z4tboKMpdLf8" style="text-align: right" title="Outstanding Principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90D_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_zkuzr8rq3lxk" title="Weighted Average Contractual Interest Rate">5.24</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt">CPS 2022-D</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_98E_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_fKDEp_z49QMSjTEY4b" style="padding-bottom: 1pt; text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">August 2030</span></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_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_fKDIp_zf09kDEhhdZ9" style="border-bottom: Black 1pt solid; text-align: right" title="Receivables Pledged at end of period">322,973</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--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_z3sojIDSdcE9" style="border-bottom: Black 1pt solid; text-align: right" title="Initial Principal">307,018</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_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_zlomcGlV9m97" style="border-bottom: Black 1pt solid; text-align: right" title="Outstanding Principal">292,461</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_iI_pn3n3_d0_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_zbAJHh3u1Wz8" 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 style="padding-bottom: 1pt; text-align: right"><span id="xdx_908_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_z1epSIpJSVC6" title="Weighted Average Contractual Interest Rate">7.37</span>%</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="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><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_ecustom--ReceivablesPledged_iI_pn3n3_c20221231_fKDIp_zqjGnwdYRZrk" style="border-bottom: Black 2.5pt double; text-align: right" title="Receivables Pledged at end of period">2,394,171</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">$</td><td id="xdx_981_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20221231_zwqH3AtNFidl" style="border-bottom: Black 2.5pt double; text-align: right" title="Initial Principal">5,945,252</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231_zmajKfTdN8A5" style="border-bottom: Black 2.5pt double; text-align: right" title="Outstanding Principal">2,122,919</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--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231_zSmRoKrEvV5d" style="border-bottom: Black 2.5pt double; text-align: right" title="Outstanding Principal">1,771,953</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> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="margin: 0pt 0; font-size: 10pt">_________________________</p> <p style="margin: 0pt 0; font-size: 10pt"> </p> <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: 5%"><i id="xdx_F0F_zVHDeOeBE9F">(1)</i></td><td style="text-align: justify; width: 95%"><i id="xdx_F14_zejHxfxSHJQg">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 $<span id="xdx_90E_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_iI_dm_c20221231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zPWHs8Gg5Ha4" title="Securitization Trust Debt, payable in 2023">804.4 million</span> in 2023, $<span id="xdx_900_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_iI_dm_c20221231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zW2xalnmmkik" title="Securitization Trust Debt, payable in 2024">578.9 million</span> in 2024, $<span id="xdx_90C_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_iI_dm_c20221231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zAuICNBauZlh" title="Securitization Trust Debt, payable in 2025">339.1 million</span> in 2025, $<span id="xdx_908_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_iI_dm_c20221231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zspo4CXIFeci" title="Securitization Trust Debt, payable in 2026">202.3 million</span> in 2026, $<span id="xdx_903_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_iI_dm_c20221231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zcwEpZ5ol4ak" title="Securitization Trust Debt, payable in 2027">128.1 million</span> in 2027, $<span id="xdx_90A_ecustom--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearSix_iI_dm_c20221231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zICREzUJp4P3" title="Securitization Trust Debt, payable in 2028">55.3 million</span> in 2028, and $<span id="xdx_907_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_iI_dm_c20221231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zdwNnNmIIho3" title="Securitization Trust Debt, payable in 2029">0.6 million</span> in 2029.</i></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> </p> <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: 0%"/><td style="width: 5%"><i id="xdx_F02_zYEVabovDPU">(2)</i></td><td style="width: 95%"><i id="xdx_F12_zenoBe9w8oic">Includes repossessed assets that are included in Other Assets on our Consolidated Balance Sheets.</i></td></tr></table> <p id="xdx_8A0_zMT0p7V27WI4" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"/> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt">Debt issuance costs of $<span id="xdx_907_eus-gaap--DeferredFinanceCostsGross_iI_dm_c20221231_zVFD42yBU4jl" title="Debt issuance costs">14.2 million</span> and $<span id="xdx_902_eus-gaap--DeferredFinanceCostsGross_iI_dm_c20211231_zFZEG2F62tc6" title="Debt issuance costs">12.0 million</span> as of December 31, 2022 and December 31, 2021, 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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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, 2022.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 20pt">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, 2022, restricted cash under the various agreements totaled approximately $<span id="xdx_907_eus-gaap--RestrictedCash_iI_dm_c20221231_zJci6Mf95Eod" title="Restricted cash under various agreements">149.3 million</span>. 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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"/> <table cellpadding="0" cellspacing="0" id="xdx_897_eus-gaap--ScheduleOfDebtInstrumentsTextBlock_pn3n3_zABnkTm3zT71" 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"> <td><span id="xdx_8BD_zqTYptiuscxb" style="display: none">Schedule of securitization trust debt</span></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><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 colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Weighted</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="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">Final</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Receivables</td><td style="font-weight: bold"> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Outstanding</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Outstanding</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Contractual Debt</td><td style="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">Scheduled</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Pledged at</td><td style="font-weight: bold"> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Principal at</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Principal at</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Interest Rate at</td><td style="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">Payment</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><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Initial</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><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><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 style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Series</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">Date (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">2022 (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">Principal</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">2022</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">2021</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">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td colspan="25" style="text-align: center"><b>(Dollars in thousands)</b></td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 12%">CPS 2017-A</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98F_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017AMember_fKDEp_zYgDpDrqlh2a" style="width: 15%; text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">April 2024</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_ecustom--ReceivablesPledged_iI_pn3n3_d0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017AMember_fKDIp_zEg3jFsX4Erb" style="width: 11%; text-align: right" title="Receivables Pledged at end of period">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017AMember_pn3n3" style="width: 11%; text-align: right" title="Initial Principal">206,320</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017AMember_zBT0yQIxpWL6" style="width: 11%; text-align: right" title="Outstanding Principal">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2017AMember_zjv2WeiBVRQ4" style="width: 11%; text-align: right" title="Outstanding Principal">17,644</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017AMember_zBzZTfyfuayg" style="width: 11%; text-align: right" title="Weighted Average Contractual Interest Rate">–</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2017-B</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017BMember_fKDEp_zss7xu3ATspk" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 2023</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--ReceivablesPledged_iI_pn3n3_d0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017BMember_fKDIp_zh7K5Bphonj" 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_98D_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017BMember_zLznS36tCcX4" 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_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2017BMember_zg4FDCVLu7C2" style="text-align: right" title="Outstanding Principal">12,491</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017BMember_zTn6L8G3DSzg" style="text-align: right" title="Weighted Average Contractual Interest Rate">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2017-C</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017CMember_fKDEp_zBldF7WRlGWi" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">September 2024</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--ReceivablesPledged_iI_pn3n3_d0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017CMember_fKDIp_zOsHZ1q9glbj" 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_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017CMember_zKDch4WVyCO5" 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_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2017CMember_z6HmiZzSOpQl" style="text-align: right" title="Outstanding Principal">25,846</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DebtWeightedAverageInterestRate_iI_pid_dp0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017CMember_zZRPXGIVdRGj" style="text-align: right" title="Weighted Average Contractual Interest Rate">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2017-D</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017DMember_fKDEp_zWlryDyab7Rg" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June 2024</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--ReceivablesPledged_iI_pn3n3_d0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017DMember_fKDIp_zYAYx5AK5gc8" 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_98B_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017DMember_zbYECaW1tCKk" 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_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2017DMember_zGgZ735a3NEc" style="text-align: right" title="Outstanding Principal">26,744</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp0_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2017DMember_z7y6HR9Roth7" style="text-align: right" title="Weighted Average Contractual Interest Rate">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2018-A</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_fKDEp_zTHvdQzlFdol" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">March 2025</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_fKDIp_zOqCNvU3qZii" style="text-align: right" title="Receivables Pledged at end of period">16,642</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_98C_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_pn3n3" style="text-align: right" title="Outstanding Principal">12,939</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_zJNhjsxycvc6" style="text-align: right" title="Outstanding Principal">29,518</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90B_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018AMember_z2Vpu5Rgw79j" title="Weighted Average Contractual Interest Rate">5.17</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2018-B</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_fKDEp_znKHNphzdpoa" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 2024</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_fKDIp_zPiGJu90D8Zd" style="text-align: right" title="Receivables Pledged at end of period">20,897</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_pn3n3" style="text-align: right" title="Outstanding Principal">17,077</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_zb0NwCu1SUbh" style="text-align: right" title="Outstanding Principal">36,092</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_908_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018BMember_z45FVhaqq0ak" title="Weighted Average Contractual Interest Rate">5.61</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2018-C</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_fKDEp_z3vRPIpkd2vg" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">September 2025</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_fKDIp_zI5enJZ98h99" style="text-align: right" title="Receivables Pledged at end of period">24,589</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_pn3n3" style="text-align: right" title="Outstanding Principal">20,222</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_zi9Q8Sh1l0c4" style="text-align: right" title="Outstanding Principal">42,765</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90B_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018CMember_zbFFPAwllcE4" title="Weighted Average Contractual Interest Rate">6.07</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2018-D</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_fKDEp_zHggInv0cIUe" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June 2025</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_fKDIp_zodL6dDHV4wg" style="text-align: right" title="Receivables Pledged at end of period">30,015</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_pn3n3" style="text-align: right" title="Outstanding Principal">25,563</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_zW6xa8qAj3hb" style="text-align: right" title="Outstanding Principal">49,634</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_908_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2018DMember_zNTdhIJfSvUi" title="Weighted Average Contractual Interest Rate">5.82</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2019-A</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_fKDEp_zFUKDgedSZy6" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">March 2026</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_fKDIp_zvbh6z3YDOi5" style="text-align: right" title="Receivables Pledged at end of period">38,138</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_pn3n3" style="text-align: right" title="Outstanding Principal">32,898</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_zHCDBZzTgii6" style="text-align: right" title="Outstanding Principal">62,667</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_900_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019AMember_zc5XAf60sF1g" title="Weighted Average Contractual Interest Rate">5.49</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2019-B</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_fKDEp_zm9BiITEMXU3" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June 2026</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_fKDIp_zrUcRfJFIPT4" style="text-align: right" title="Receivables Pledged at end of period">39,755</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_pn3n3" style="text-align: right" title="Outstanding Principal">33,897</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_zd3kexlgT7l9" style="text-align: right" title="Outstanding Principal">61,730</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_901_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019BMember_zQz5cHlWO5lg" title="Weighted Average Contractual Interest Rate">5.39</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2019-C</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_fKDEp_zOlTzsStOTd" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">September 2026</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_fKDIp_zbfJJSEl0vG4" style="text-align: right" title="Receivables Pledged at end of period">46,903</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_pn3n3" style="text-align: right" title="Outstanding Principal">41,515</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_zCNtR71yCl7d" style="text-align: right" title="Outstanding Principal">75,065</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_903_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019CMember_zErywqZSOlFb" title="Weighted Average Contractual Interest Rate">4.35</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2019-D</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_fKDEp_zBxZ2RHeefs6" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 2026</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_fKDIp_zvbM6AgrFpek" style="text-align: right" title="Receivables Pledged at end of period">60,856</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_pn3n3" style="text-align: right" title="Outstanding Principal">53,625</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_zd4KeHWscoF7" style="text-align: right" title="Outstanding Principal">98,625</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_902_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2019DMember_z4pWhdKs23b6" title="Weighted Average Contractual Interest Rate">3.71</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2020-A</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_fKDEp_z6YfiaGzybUb" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">March 2027</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_fKDIp_z7brbgWKRbO3" style="text-align: right" title="Receivables Pledged at end of period">56,226</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_985_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_pn3n3" style="text-align: right" title="Outstanding Principal">52,705</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_zqbXxv1zEHNj" style="text-align: right" title="Outstanding Principal">99,485</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_900_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020AMember_zgqw83rVH2Ih" title="Weighted Average Contractual Interest Rate">3.99</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2020-B</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_fKDEp_za8goGE4Lo41" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June 2027</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_fKDIp_z3rjie8pLa0j" style="text-align: right" title="Receivables Pledged at end of period">63,849</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__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_98A_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_pn3n3" style="text-align: right" title="Outstanding Principal">41,736</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_zj50fKnMmTo2" style="text-align: right" title="Outstanding Principal">87,048</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_909_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020BMember_zD5llgqPimA5" title="Weighted Average Contractual Interest Rate">6.16</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2020-C</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_fKDEp_zGACuGl6UoR7" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">November 2027</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_fKDIp_zVAeBmNiC6v1" style="text-align: right" title="Receivables Pledged at end of period">86,061</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_pn3n3" style="text-align: right" title="Initial Principal">252,200</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_pn3n3" style="text-align: right" title="Outstanding Principal">72,894</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_zVHUwA3VJSUh" style="text-align: right" title="Outstanding Principal">138,899</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90C_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2020CMember_zNappbbDhfde" title="Weighted Average Contractual Interest Rate">3.24</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2021-A</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_fKDEp_z1Zsc27R2s3a" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">March 2028</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_fKDIp_zCP1YVIQ3Oid" style="text-align: right" title="Receivables Pledged at end of period">90,801</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_pn3n3" style="text-align: right" title="Initial Principal">230,545</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_pn3n3" style="text-align: right" title="Outstanding Principal">72,076</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_zH532iFfAPJ9" style="text-align: right" title="Outstanding Principal">147,516</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90E_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021AMember_zgA54cpSYzAj" title="Weighted Average Contractual Interest Rate">1.39</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2021-B</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_fKDEp_z4EWOAu9PVG4" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">June 2028</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_fKDIp_zJRPbmZlrSZh" style="text-align: right" title="Receivables Pledged at end of period">113,723</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_pn3n3" style="text-align: right" title="Initial Principal">240,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_pn3n3" style="text-align: right" title="Outstanding Principal">101,206</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zv5fITUio8Q6" style="text-align: right" title="Outstanding Principal">179,856</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90D_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021BMember_zkYiWxieu0Kb" title="Weighted Average Contractual Interest Rate">1.86</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2021-C</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_fKDEp_z1qG1Ro5bmkd" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">September 2028</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_fKDIp_zHwzfrAoiLCk" style="text-align: right" title="Receivables Pledged at end of period">165,102</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_pn3n3" style="text-align: right" title="Initial Principal">291,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_pn3n3" style="text-align: right" title="Outstanding Principal">147,593</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_z6Saw8w6lU7l" style="text-align: right" title="Outstanding Principal">250,003</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90C_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021CMember_zGgQgQoWaZO9" title="Weighted Average Contractual Interest Rate">1.60</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2021-D</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_fKDEp_zgoytdNzVtv1" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 2028</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_fKDIp_zFm4irsLK7Jk" style="text-align: right" title="Receivables Pledged at end of period">224,055</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_pn3n3" style="text-align: right" title="Initial Principal">349,202</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_pn3n3" style="text-align: right" title="Outstanding Principal">209,277</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_z2KnuB71gyK3" style="text-align: right" title="Outstanding Principal">330,325</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90C_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2021DMember_z2ooHsy0T9Rl" title="Weighted Average Contractual Interest Rate">1.85</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2022-A</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_fKDEp_zTjB0wee5cQ1" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">April 2029</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_fKDIp_zWTmTvURA18i" style="text-align: right" title="Receivables Pledged at end of period">243,580</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_pn3n3" style="text-align: right" title="Initial Principal">316,800</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_pn3n3" style="text-align: right" title="Outstanding Principal">222,613</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_zX7RlOaFaUpa" style="text-align: right" title="Outstanding Principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90F_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022AMember_z304IWDbhd2b" title="Weighted Average Contractual Interest Rate">2.16</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>CPS 2022-B</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_fKDEp_zHC0lJetYb1c" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">October 2029</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_fKDIp_z3T1WnqFkYu2" style="text-align: right" title="Receivables Pledged at end of period">355,224</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_pn3n3" style="text-align: right" title="Initial Principal">395,600</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_pn3n3" style="text-align: right" title="Outstanding Principal">325,907</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_zKk3B0DQMZe" style="text-align: right" title="Outstanding Principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90C_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022BMember_z3usV6lORMkc" title="Weighted Average Contractual Interest Rate">4.16</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>CPS 2022-C</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_fKDEp_z1MHwOCGNg7f" style="text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">April 2030</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_fKDIp_zfciH2frVsC5" style="text-align: right" title="Receivables Pledged at end of period">394,782</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--SecuritizationTrustDebtInitialPrincipal_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_pn3n3" style="text-align: right" title="Initial Principal">391,600</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_pn3n3" style="text-align: right" title="Outstanding Principal">346,714</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_d0_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_z4tboKMpdLf8" style="text-align: right" title="Outstanding Principal">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90D_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022CMember_zkuzr8rq3lxk" title="Weighted Average Contractual Interest Rate">5.24</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 1pt">CPS 2022-D</td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td id="xdx_98E_ecustom--FinalScheduledPaymentDate_c20220101__20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_fKDEp_z49QMSjTEY4b" style="padding-bottom: 1pt; text-align: right" title="Final Scheduled Payment Date"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">August 2030</span></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_ecustom--ReceivablesPledged_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_fKDIp_zf09kDEhhdZ9" style="border-bottom: Black 1pt solid; text-align: right" title="Receivables Pledged at end of period">322,973</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--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_z3sojIDSdcE9" style="border-bottom: Black 1pt solid; text-align: right" title="Initial Principal">307,018</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_iI_pn3n3_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_zlomcGlV9m97" style="border-bottom: Black 1pt solid; text-align: right" title="Outstanding Principal">292,461</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_iI_pn3n3_d0_c20211231__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_zbAJHh3u1Wz8" 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 style="padding-bottom: 1pt; text-align: right"><span id="xdx_908_eus-gaap--DebtWeightedAverageInterestRate_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__custom--CPS2022DMember_z1epSIpJSVC6" title="Weighted Average Contractual Interest Rate">7.37</span>%</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="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><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_ecustom--ReceivablesPledged_iI_pn3n3_c20221231_fKDIp_zqjGnwdYRZrk" style="border-bottom: Black 2.5pt double; text-align: right" title="Receivables Pledged at end of period">2,394,171</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">$</td><td id="xdx_981_ecustom--SecuritizationTrustDebtInitialPrincipal_iI_pn3n3_c20221231_zwqH3AtNFidl" style="border-bottom: Black 2.5pt double; text-align: right" title="Initial Principal">5,945,252</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20221231_zmajKfTdN8A5" style="border-bottom: Black 2.5pt double; text-align: right" title="Outstanding Principal">2,122,919</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--PrincipalAmountOutstandingOfLoansHeldInPortfolio_iI_pn3n3_c20211231_zSmRoKrEvV5d" style="border-bottom: Black 2.5pt double; text-align: right" title="Outstanding Principal">1,771,953</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> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="margin: 0pt 0; font-size: 10pt">_________________________</p> <p style="margin: 0pt 0; font-size: 10pt"> </p> <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: 5%"><i id="xdx_F0F_zVHDeOeBE9F">(1)</i></td><td style="text-align: justify; width: 95%"><i id="xdx_F14_zejHxfxSHJQg">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 $<span id="xdx_90E_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_iI_dm_c20221231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zPWHs8Gg5Ha4" title="Securitization Trust Debt, payable in 2023">804.4 million</span> in 2023, $<span id="xdx_900_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_iI_dm_c20221231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zW2xalnmmkik" title="Securitization Trust Debt, payable in 2024">578.9 million</span> in 2024, $<span id="xdx_90C_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_iI_dm_c20221231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zAuICNBauZlh" title="Securitization Trust Debt, payable in 2025">339.1 million</span> in 2025, $<span id="xdx_908_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_iI_dm_c20221231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zspo4CXIFeci" title="Securitization Trust Debt, payable in 2026">202.3 million</span> in 2026, $<span id="xdx_903_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_iI_dm_c20221231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zcwEpZ5ol4ak" title="Securitization Trust Debt, payable in 2027">128.1 million</span> in 2027, $<span id="xdx_90A_ecustom--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearSix_iI_dm_c20221231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zICREzUJp4P3" title="Securitization Trust Debt, payable in 2028">55.3 million</span> in 2028, and $<span id="xdx_907_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_iI_dm_c20221231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_zdwNnNmIIho3" title="Securitization Trust Debt, payable in 2029">0.6 million</span> in 2029.</i></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> </p> <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: 0%"/><td style="width: 5%"><i id="xdx_F02_zYEVabovDPU">(2)</i></td><td style="width: 95%"><i id="xdx_F12_zenoBe9w8oic">Includes repossessed assets that are included in Other Assets on our Consolidated Balance Sheets.</i></td></tr></table> April 2024 0 206320000 0 17644000 0 December 2023 0 225170000 0 12491000 0 September 2024 0 224825000 0 25846000 0 June 2024 0 196300000 0 26744000 0 March 2025 16642000 190000000 12939000 29518000 0.0517 December 2024 20897000 201823000 17077000 36092000 0.0561 September 2025 24589000 230275000 20222000 42765000 0.0607 June 2025 30015000 233730000 25563000 49634000 0.0582 March 2026 38138000 254400000 32898000 62667000 0.0549 June 2026 39755000 228275000 33897000 61730000 0.0539 September 2026 46903000 243513000 41515000 75065000 0.0435 December 2026 60856000 274313000 53625000 98625000 0.0371 March 2027 56226000 260000000 52705000 99485000 0.0399 June 2027 63849000 202343000 41736000 87048000 0.0616 November 2027 86061000 252200000 72894000 138899000 0.0324 March 2028 90801000 230545000 72076000 147516000 0.0139 June 2028 113723000 240000000 101206000 179856000 0.0186 September 2028 165102000 291000000 147593000 250003000 0.0160 December 2028 224055000 349202000 209277000 330325000 0.0185 April 2029 243580000 316800000 222613000 0 0.0216 October 2029 355224000 395600000 325907000 0 0.0416 April 2030 394782000 391600000 346714000 0 0.0524 August 2030 322973000 307018000 292461000 0 0.0737 2394171000 5945252000 2122919000 1771953000 804400000000 578900000000 339100000000 202300000000 128100000000 55300000000 600000000 14200000 12000000.0 149300000 <p id="xdx_80A_eus-gaap--DebtDisclosureTextBlock_zjVTy8EfwNJ5" style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"><i>(6) <span>Debt</span></i></p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">The terms of our debt outstanding at December 31, 2022 and 2021 are summarized below: </p> <table cellpadding="0" cellspacing="0" id="xdx_883_eus-gaap--ScheduleOfDebtTableTextBlock_pn3n3_zZtwtAfIwQz" 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"> <td><span id="xdx_8BF_zFnahXlZLVe7" style="display: none">Schedule of debt outstanding</span></td><td> </td> <td> </td><td> </td> <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"> <td> </td><td> </td> <td> </td><td> </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> </td><td style="padding-bottom: 1pt"> </td> <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="padding-bottom: 1pt"> </td> <td> </td><td style="padding-bottom: 1pt"> </td> <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">2022</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">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td> </td><td> </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 style="border-bottom: Black 1pt solid; text-align: center">Maturity</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> </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="width: 20%; text-align: left">Warehouse lines of credit</td><td style="width: 1%"> </td> <td style="width: 25%; text-align: center"><span id="xdx_907_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20220101__20221231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member" title="Interest rate"><span id="xdx_90A_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20210101__20211231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_z5GkGuuiAPo5" title="Interest rate">3.00% over CP yield rate (Minimum 3.75%) 7.48% and 3.75%</span></span> at December 31, 2022 and December 31 2021, respectively</td><td style="width: 1%"> </td> <td style="width: 25%; text-align: center"><span id="xdx_906_eus-gaap--DebtInstrumentMaturityDateDescription_c20220101__20221231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member" title="Maturity date description">July 2024</span></td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--WarehouseAgreementBorrowings_c20221231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_pn3n3" style="width: 11%; text-align: right" title="Warehouse lines of credit">150,293</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20211231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_ziHwsyOCmpBe" style="width: 11%; text-align: right" title="Warehouse lines of credit">70,590</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td> </td><td> </td> <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> </td><td> </td> <td style="text-align: center"><span id="xdx_904_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20220101__20221231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member" title="Interest rate"><span id="xdx_90E_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20210101__20211231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zVJgJfrFNzcl" title="Interest rate">4.15% over a commercial paper rate (Minimum 5.15%) 8.60% and 5.15%</span> </span>at December 31 2022, and December 31 2021, respectively</td><td> </td> <td style="text-align: center"><span id="xdx_905_eus-gaap--DebtInstrumentMaturityDateDescription_c20220101__20221231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member" title="Maturity date description">January 2024</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--WarehouseAgreementBorrowings_c20221231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_pn3n3" style="text-align: right" title="Warehouse lines of credit">137,585</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20211231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zLwKT98L3pK8" style="text-align: right" title="Warehouse lines of credit">35,420</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td> </td><td> </td> <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="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: center"><span id="xdx_908_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20220101__20221231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zdyt8Vek08sd" title="Interest rate">8.60</span>%</td><td> </td> <td style="text-align: center"><span id="xdx_90B_eus-gaap--DebtInstrumentMaturityDateDescription_c20220101__20221231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zCpeJdhWkGIe" title="Maturity date description">January 2026</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--ResidualInterestFinancing_iI_pn3n3_d0_c20221231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zoSPz0qrcNn8" style="text-align: right" title="Residual interest financing">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--ResidualInterestFinancing_c20211231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_pn3n3" style="text-align: right" title="Residual interest financing">4,311</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td> </td><td> </td> <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="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: center"><span id="xdx_901_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20220101__20221231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zoPSLfC9d9Wc" title="Interest rate">7.86</span>%</td><td> </td> <td style="text-align: center"><span id="xdx_90B_eus-gaap--DebtInstrumentMaturityDateDescription_c20220101__20221231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zwrUdMIrBR25" title="Maturity date description">June 2026</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--ResidualInterestFinancing_iI_pn3n3_c20221231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zJYhKE9ZTri2" style="text-align: right" title="Residual interest financing">50,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--ResidualInterestFinancing_iI_pn3n3_c20211231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zhp0mlQjys11" style="text-align: right" title="Residual interest financing">50,000</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td> </td><td> </td> <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="text-align: left; padding-bottom: 1pt">Subordinated renewable notes</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt">Weighted average rate of <span id="xdx_90E_eus-gaap--DebtInstrumentInterestRateTerms_c20220101__20221231__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_z2QIO08KvPSk" title="Debt Instrument, Interest Rate Terms">7.82</span>% and <span id="xdx_909_eus-gaap--DebtInstrumentInterestRateTerms_c20210101__20211231__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember" title="Debt Instrument, Interest Rate Terms">8.93</span>% at December 31, 2022 and December 31, 2021, respectively</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt">Weighted average maturity of <span id="xdx_906_eus-gaap--DebtInstrumentMaturityDateDescription_c20220101__20221231__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember" title="Maturity date description">October 2024</span> and <span id="xdx_900_eus-gaap--DebtInstrumentMaturityDateDescription_c20210101__20211231__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember" title="Maturity date description">January 2024</span> at December 31, 2022 and December 31, 2021, respectively</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--SubordinatedDebt_iI_pn3n3_c20221231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_z6p3axsWM0z1" style="border-bottom: Black 1pt solid; text-align: right" title="Subordinated renewable notes">25,263</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--SubordinatedDebt_c20211231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Subordinated renewable notes">26,459</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="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <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_98E_eus-gaap--DebtLongtermAndShorttermCombinedAmount_c20221231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total debt outstanding">363,141</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--DebtLongtermAndShorttermCombinedAmount_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total debt outstanding">186,780</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p id="xdx_F15_zouK09sBpAk6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p id="xdx_F1E_zJOwweo1pXi1" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt">Debt issuance costs of $<span id="xdx_90E_eus-gaap--DeferredFinanceCostsNet_iI_dm_c20221231_zXSO6qoJUfMe" title="Debt issuance costs">2.6 million</span> and $<span id="xdx_908_eus-gaap--DeferredFinanceCostsNet_iI_pp0p0_c20211231_zsVnLLSX58Oj" title="Debt issuance costs">400,000</span> as of December 31, 2022 and December 31, 2021, 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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 9pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">On May 11, 2012, we entered into a $<span id="xdx_90B_eus-gaap--LineOfCreditFacilityMaximumBorrowingCapacity_iI_dm_c20120511__us-gaap--CreditFacilityAxis__custom--WarehouseCreditFacilityMember__us-gaap--LineOfCreditFacilityAxis__custom--CitibankMember_zuzBduvWrkp3" title="Credit line maximum">100 million</span> 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 86.0% of eligible finance receivables. The Class A loans under the facility generally accrue interest during the revolving period at a per annum rate equal to one-month SOFR plus 3.00% per annum, with a minimum rate of 3.75% per annum and during the amortization period at a per annum rate equal to one-month SOFR plus 4.00% per annum, with a minimum rate of 4.75% per annum. The Class B loans under the facility generally accrue interest during the revolving period at a per annum rate equal to 8.50% per annum and during the amortization period at a per annum rate equal to 9.50% per annum. In July 2022, we renewed our two-year revolving credit agreement with Citibank, N.A., and doubled the capacity from $100 million to $200 million. This facility was amended to extend the revolving period to July 2024 and to include an amortization period through July 2025 for any receivables pledged to the facility at the end of the revolving period. At December 31, 2022 there was $<span id="xdx_907_eus-gaap--LineOfCredit_iI_dm_c20221231__us-gaap--CreditFacilityAxis__custom--WarehouseCreditFacilityMember__us-gaap--LineOfCreditFacilityAxis__custom--CitibankMember_zfsop3JxJjj5" title="Long-term Line of Credit">150.3 million</span> outstanding under this facility.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">On February 2, 2022, we renewed our two-year revolving credit agreement with Ares Agent Services, L.P. 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 88.00% of eligible finance receivables. The loans under the facility accrue interest at a commercial paper rate plus 4.15% per annum, with a minimum rate of 5.15% per annum. In June 2022, we increased the capacity of our credit agreement with Ares Agent Services, L.P. from $100 million to $200 million. This facility was amended to extend the revolving period to January 2024 followed by an amortization period through January 2028 for any receivables pledged to the facility at the end of the revolving period. At December 31, 2022 there was $<span id="xdx_903_eus-gaap--LineOfCreditFacilityAverageOutstandingAmount_dm_c20220101__20221231__us-gaap--DebtInstrumentAxis__custom--AgentServicesLPMember_zcylnK28gJH7" title="Line of credit outstanding facility amount">137.6 million</span> outstanding under this facility.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The total outstanding debt on our two warehouse lines of credit was $<span id="xdx_908_eus-gaap--LineOfCreditFacilityAverageOutstandingAmount_dm_c20220101__20221231_zJPAYLJZcMP1" title="Line of credit outstanding facility amount">287.9 million</span> as of December 31, 2022, compared to $<span id="xdx_901_eus-gaap--LineOfCreditFacilityAverageOutstandingAmount_dm_c20210101__20211231_zw8PMgb7MOx5" title="Line of credit outstanding facility amount">106.0 million</span> outstanding as of December 31, 2021.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 20pt">On June 30, 2021, we completed a $<span id="xdx_902_ecustom--ProceedsFromResidualInterestFinancings_dm_c20220629__20220630__us-gaap--SecuritiesFinancingTransactionAxis__custom--Notes20211Member_zcwhENHK70oj" title="Proceeds from residual interest financings">50 million</span> securitization of residual interests from previously issued securitizations. In this residual interest financing transaction, qualified institutional buyers purchased $<span id="xdx_900_ecustom--AssetBackedNotesIssued_iI_dm_c20220630__us-gaap--SecuritiesFinancingTransactionAxis__custom--Notes20211Member_zQ37mqVIVmA4" title="Asset-backed notes issued">50.0 million</span> of asset-backed notes secured by residual interests in eleven CPS securitizations consecutively issued from January 2018 and September 2020. The sold notes (“2021-1 Notes”), issued by CPS Auto Securitization Trust 2021-1, consist of a single class with a coupon of 7.86%. At December 31, 2022 there was $<span id="xdx_90B_ecustom--ResidualInterestsFinancing1_iI_dm_c20221231__us-gaap--SecuritiesFinancingTransactionAxis__custom--Notes20211Member_z5cBhkGC9azi" title="Residual interest financing balance">50.0 million</span> outstanding under this facility.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The agreed valuation of the collateral for the 2018-1 and 2021-1 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. On each monthly payment date, the 2018-1 and 2021-1 Notes are entitled to interest at the coupon rate and, if necessary, a principal payment necessary to maintain a specified minimum collateral ratio.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Unamortized debt issuance costs of $<span id="xdx_90D_eus-gaap--DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_iI_pp0p0_c20221231__us-gaap--SecuritiesFinancingTransactionAxis__custom--ResidualInterestFinancingsMember_zrKpUTt2dCXl" title="Unamortized debt issuance costs">377,000</span> and $<span id="xdx_905_eus-gaap--DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_iI_pp0p0_c20211231__us-gaap--SecuritiesFinancingTransactionAxis__custom--ResidualInterestFinancingsMember_zuFlln0QLKNg" title="Unamortized debt issuance costs">629,000</span> as of December 31, 2022 and December 31, 2021, respectively, 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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"/> <p id="xdx_F12_zNqjfhBM0w42" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following table summarizes the contractual and expected maturity amounts of our outstanding subordinated renewable notes as of December 31, 2022: </p> <table cellpadding="0" cellspacing="0" id="xdx_882_eus-gaap--ScheduleOfMaturitiesOfLongTermDebtTableTextBlock_pn3n3_zbuZTiBbVQva" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 60%; margin-right: auto" summary="xdx: Disclosure - (6) Debt (Details - Debt maturity schedule)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B0_zqxa9WzIqTQg" style="display: none">Schedule of expected maturity amounts for long-term debt</span></td><td> </td> <td style="text-align: center"> </td><td id="xdx_49C_20221231__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zB13mh7Je5v5" style="text-align: center"> </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 colspan="2" style="font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>(In thousands)</b></span></td><td style="font-weight: bold; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_iI_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 72%">2023</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 25%; text-align: right">13,800</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_iI_pn3n3" style="vertical-align: bottom; background-color: White"> <td>2024</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,798</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_iI_pn3n3" 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">3,146</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_iI_pn3n3" style="vertical-align: bottom; background-color: White"> <td>2026</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,264</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_iI_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2027</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">837</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_iI_pn3n3" 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">1,418</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--LongTermDebt_iI_pn3n3" 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">25,263</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <table cellpadding="0" cellspacing="0" id="xdx_883_eus-gaap--ScheduleOfDebtTableTextBlock_pn3n3_zZtwtAfIwQz" 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"> <td><span id="xdx_8BF_zFnahXlZLVe7" style="display: none">Schedule of debt outstanding</span></td><td> </td> <td> </td><td> </td> <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"> <td> </td><td> </td> <td> </td><td> </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> </td><td style="padding-bottom: 1pt"> </td> <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="padding-bottom: 1pt"> </td> <td> </td><td style="padding-bottom: 1pt"> </td> <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">2022</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">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td> </td><td> </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 style="border-bottom: Black 1pt solid; text-align: center">Maturity</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> </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="width: 20%; text-align: left">Warehouse lines of credit</td><td style="width: 1%"> </td> <td style="width: 25%; text-align: center"><span id="xdx_907_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20220101__20221231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member" title="Interest rate"><span id="xdx_90A_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20210101__20211231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_z5GkGuuiAPo5" title="Interest rate">3.00% over CP yield rate (Minimum 3.75%) 7.48% and 3.75%</span></span> at December 31, 2022 and December 31 2021, respectively</td><td style="width: 1%"> </td> <td style="width: 25%; text-align: center"><span id="xdx_906_eus-gaap--DebtInstrumentMaturityDateDescription_c20220101__20221231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member" title="Maturity date description">July 2024</span></td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--WarehouseAgreementBorrowings_c20221231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_pn3n3" style="width: 11%; text-align: right" title="Warehouse lines of credit">150,293</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20211231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit1Member_ziHwsyOCmpBe" style="width: 11%; text-align: right" title="Warehouse lines of credit">70,590</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td> </td><td> </td> <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> </td><td> </td> <td style="text-align: center"><span id="xdx_904_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20220101__20221231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member" title="Interest rate"><span id="xdx_90E_eus-gaap--DebtInstrumentDescriptionOfVariableRateBasis_c20210101__20211231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zVJgJfrFNzcl" title="Interest rate">4.15% over a commercial paper rate (Minimum 5.15%) 8.60% and 5.15%</span> </span>at December 31 2022, and December 31 2021, respectively</td><td> </td> <td style="text-align: center"><span id="xdx_905_eus-gaap--DebtInstrumentMaturityDateDescription_c20220101__20221231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member" title="Maturity date description">January 2024</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--WarehouseAgreementBorrowings_c20221231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_pn3n3" style="text-align: right" title="Warehouse lines of credit">137,585</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--WarehouseAgreementBorrowings_iI_pn3n3_c20211231__us-gaap--CreditFacilityAxis__custom--WarehouseLinesOfCredit2Member_zLwKT98L3pK8" style="text-align: right" title="Warehouse lines of credit">35,420</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td> </td><td> </td> <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="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: center"><span id="xdx_908_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20220101__20221231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zdyt8Vek08sd" title="Interest rate">8.60</span>%</td><td> </td> <td style="text-align: center"><span id="xdx_90B_eus-gaap--DebtInstrumentMaturityDateDescription_c20220101__20221231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zCpeJdhWkGIe" title="Maturity date description">January 2026</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--ResidualInterestFinancing_iI_pn3n3_d0_c20221231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_zoSPz0qrcNn8" style="text-align: right" title="Residual interest financing">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--ResidualInterestFinancing_c20211231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancingMember_pn3n3" style="text-align: right" title="Residual interest financing">4,311</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td> </td><td> </td> <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="text-align: left">Residual interest financing</td><td> </td> <td style="text-align: center"><span id="xdx_901_eus-gaap--DebtInstrumentInterestRateDuringPeriod_pip0_dp_c20220101__20221231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zoPSLfC9d9Wc" title="Interest rate">7.86</span>%</td><td> </td> <td style="text-align: center"><span id="xdx_90B_eus-gaap--DebtInstrumentMaturityDateDescription_c20220101__20221231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zwrUdMIrBR25" title="Maturity date description">June 2026</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--ResidualInterestFinancing_iI_pn3n3_c20221231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zJYhKE9ZTri2" style="text-align: right" title="Residual interest financing">50,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--ResidualInterestFinancing_iI_pn3n3_c20211231__us-gaap--CreditFacilityAxis__custom--ResidualInterestFinancing1Member_zhp0mlQjys11" style="text-align: right" title="Residual interest financing">50,000</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td> </td><td> </td> <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="text-align: left; padding-bottom: 1pt">Subordinated renewable notes</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt">Weighted average rate of <span id="xdx_90E_eus-gaap--DebtInstrumentInterestRateTerms_c20220101__20221231__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_z2QIO08KvPSk" title="Debt Instrument, Interest Rate Terms">7.82</span>% and <span id="xdx_909_eus-gaap--DebtInstrumentInterestRateTerms_c20210101__20211231__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember" title="Debt Instrument, Interest Rate Terms">8.93</span>% at December 31, 2022 and December 31, 2021, respectively</td><td style="padding-bottom: 1pt"> </td> <td style="text-align: center; padding-bottom: 1pt">Weighted average maturity of <span id="xdx_906_eus-gaap--DebtInstrumentMaturityDateDescription_c20220101__20221231__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember" title="Maturity date description">October 2024</span> and <span id="xdx_900_eus-gaap--DebtInstrumentMaturityDateDescription_c20210101__20211231__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember" title="Maturity date description">January 2024</span> at December 31, 2022 and December 31, 2021, respectively</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--SubordinatedDebt_iI_pn3n3_c20221231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_z6p3axsWM0z1" style="border-bottom: Black 1pt solid; text-align: right" title="Subordinated renewable notes">25,263</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--SubordinatedDebt_c20211231__us-gaap--CreditFacilityAxis__custom--SubordinatedRenewableNotesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Subordinated renewable notes">26,459</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="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <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_98E_eus-gaap--DebtLongtermAndShorttermCombinedAmount_c20221231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total debt outstanding">363,141</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--DebtLongtermAndShorttermCombinedAmount_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total debt outstanding">186,780</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 3.00% over CP yield rate (Minimum 3.75%) 7.48% and 3.75% 3.00% over CP yield rate (Minimum 3.75%) 7.48% and 3.75% July 2024 150293000 70590000 4.15% over a commercial paper rate (Minimum 5.15%) 8.60% and 5.15% 4.15% over a commercial paper rate (Minimum 5.15%) 8.60% and 5.15% January 2024 137585000 35420000 0.0860 January 2026 0 4311000 0.0786 June 2026 50000000 50000000 7.82 8.93 October 2024 January 2024 25263000 26459000 363141000 186780000 2600000 400000 100000000 150300000 137600000 287900000 106000000.0 50000000 50000000.0 50000000.0 377000 629000 <table cellpadding="0" cellspacing="0" id="xdx_882_eus-gaap--ScheduleOfMaturitiesOfLongTermDebtTableTextBlock_pn3n3_zbuZTiBbVQva" style="font: 10pt Times New Roman, Times, Serif; margin-left: auto; border-collapse: collapse; width: 60%; margin-right: auto" summary="xdx: Disclosure - (6) Debt (Details - Debt maturity schedule)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B0_zqxa9WzIqTQg" style="display: none">Schedule of expected maturity amounts for long-term debt</span></td><td> </td> <td style="text-align: center"> </td><td id="xdx_49C_20221231__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_zB13mh7Je5v5" style="text-align: center"> </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 colspan="2" style="font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>(In thousands)</b></span></td><td style="font-weight: bold; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_iI_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 72%">2023</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 25%; text-align: right">13,800</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_iI_pn3n3" style="vertical-align: bottom; background-color: White"> <td>2024</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,798</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_iI_pn3n3" 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">3,146</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_iI_pn3n3" style="vertical-align: bottom; background-color: White"> <td>2026</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,264</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive_iI_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2027</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">837</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive_iI_pn3n3" 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">1,418</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--LongTermDebt_iI_pn3n3" 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">25,263</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 13800000 2798000 3146000 3264000 837000 1418000 25263000 <p id="xdx_805_eus-gaap--StockholdersEquityNoteDisclosureTextBlock_zEruJRHNHUh" style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"><i>(7) <span>Shareholders’ Equity</span></i></p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0">Common Stock</p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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, <i>pro rata</i>, 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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0">Stock Purchases</p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 20pt">For the year ending December 31, 2022, we purchased <span id="xdx_90C_eus-gaap--StockRepurchasedDuringPeriodShares_c20220101__20221231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zHErZAmMLuo">4,139,664 </span>shares of our common stock at an average price of $<span id="xdx_905_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20220101__20221231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zqvJkSTgx2A9">11.11</span>. In January, March, and July 2022 our board of directors authorized the repurchase of up to $<span id="xdx_90F_eus-gaap--StockRepurchaseProgramAuthorizedAmount1_iI_dm_c20221231__us-gaap--ShareRepurchaseProgramAxis__us-gaap--CommonStockMember_ztJlhI8c0DAg">35.0 million</span> of our common stock. There is approximately $<span id="xdx_902_eus-gaap--StockRepurchaseProgramRemainingAuthorizedRepurchaseAmount1_iI_dm_c20221231__us-gaap--ShareRepurchaseProgramAxis__us-gaap--CommonStockMember_zo5f5Z4vR2m7">8.3 million</span> 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 period ended December 31, 2022 and 2021: </p> <table cellpadding="0" cellspacing="0" id="xdx_881_eus-gaap--ScheduleOfShareBasedCompensationEmployeeStockPurchasePlanActivityTableTextBlock_pn3n3_z4NOVjRfEjoe" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (7) Shareholders' Equity (Details - Stock purchases)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B0_zPfCErYVaRZ5" style="display: none">Schedule of stock purchases</span></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">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, 2022</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, 2021</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">Shares</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">Avg. Price</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">Shares</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">Avg. Price</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: 44%; text-align: left">Open market purchases</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98A_eus-gaap--StockRepurchasedDuringPeriodShares_c20220101__20221231__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_pdd" style="width: 11%; text-align: right" title="Total stock purchases, shares">3,246,511</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20220101__20221231__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zn2wuTwXVDe" style="width: 11%; text-align: right" title="Total stock purchases, average price per share">10.44</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_988_eus-gaap--StockRepurchasedDuringPeriodShares_c20210101__20211231__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_pdd" style="width: 11%; text-align: right" title="Total stock purchases, shares">1,639,138</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pid_c20210101__20211231__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zNoXDScQfbXb" style="width: 11%; text-align: right" title="Total stock purchases, average price per share">6.98</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_989_eus-gaap--StockRepurchasedDuringPeriodShares_c20220101__20221231__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_pdd" style="text-align: right" title="Total stock purchases, shares">893,153</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20220101__20221231__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zU6qcS7zpmCd" style="text-align: right" title="Total stock purchases, average price per share">13.56</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--StockRepurchasedDuringPeriodShares_c20210101__20211231__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_pdd" style="text-align: right" title="Total stock purchases, shares">245,743</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20210101__20211231__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zdib7R3LWdn6" style="text-align: right" title="Total stock purchases, average price per share">6.95</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_984_eus-gaap--StockRepurchasedDuringPeriodShares_d0_c20220101__20221231__us-gaap--ShareRepurchaseProgramAxis__custom--OtherRepurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zs3cWfakUwe6" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">–</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--TreasuryStockAcquiredAverageCostPerShare_pip0_d0_c20220101__20221231__us-gaap--ShareRepurchaseProgramAxis__custom--OtherRepurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zXa2dh9dBLM8" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price per share">–</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--StockRepurchasedDuringPeriodShares_c20210101__20211231__us-gaap--ShareRepurchaseProgramAxis__custom--OtherRepurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_pdd" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">1,999,995</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--TreasuryStockAcquiredAverageCostPerShare_pip0_c20210101__20211231__us-gaap--ShareRepurchaseProgramAxis__custom--OtherRepurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zy9gYgVqFKX7" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price per share">6.26</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_988_eus-gaap--StockRepurchasedDuringPeriodShares_c20220101__20221231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_pdd" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">4,139,664</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--TreasuryStockAcquiredAverageCostPerShare_pip0_c20220101__20221231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zOQT90c5fGA3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price per share">11.11</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--StockRepurchasedDuringPeriodShares_c20210101__20211231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_pdd" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">3,884,876</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--TreasuryStockAcquiredAverageCostPerShare_pip0_c20210101__20211231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zqYP3oeZb1Vg" 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> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p id="xdx_F16_zq3xv7ixxDX7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0">Options and Warrants</p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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, July 2018 and again in November 2021, 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, 19,200,000 and <span id="xdx_908_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_c20221231__us-gaap--PlanNameAxis__custom--Plan2006Member_pdd" title="Options authorized under plan">22,200,000</span>, 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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The per share weighted-average fair value of stock options granted during the years ended December 31, 2022, 2021 and 2020 was $<span id="xdx_903_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_c20220101__20221231_z4pde3IOiya4">5.42</span>, $<span id="xdx_90D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_c20210101__20211231_zzOuGF630177">2.65</span>, and $<span id="xdx_90E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_c20200101__20201231_zJxSoCVlD4d4">1.33</span>, 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 <span id="xdx_900_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum_pip0_dp_c20220101__20221231_zsL1XZ9QExS7">75</span>% to <span id="xdx_902_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum_pid_dp_c20220101__20221231_zb5FouyElBj6">80</span>% for 2022, <span id="xdx_907_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum_pip0_dp_c20210101__20211231_zMVJmcnVKRF6">79</span>% to <span id="xdx_90A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum_pip0_dp_c20210101__20211231_zblHBdiLVQW6">71</span>% for 2021, and <span id="xdx_901_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMinimum_pip0_dp_c20200101__20201231_zJ0CYxuD6YP4">72</span>% to <span id="xdx_90A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRateMaximum_pip0_dp_c20200101__20201231_zYP3AWXTGQsc">80</span>% for 2020. 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. </p> <table cellpadding="0" cellspacing="0" id="xdx_880_eus-gaap--ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock_pn3n3_zG1beujiRYoj" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (7) Shareholders' Equity (Details - Assumptions)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B5_zBDnGWNg24ib" style="display: none">Schedule of assumptions for stock options</span></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">2022</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">2021</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">2020</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: 52%; text-align: left">Expected life (years)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: right"><span id="xdx_90F_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1_dtY_c20220101__20221231_zDHjK7czugoh" title="Expected life (years)">4.00</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: right"><span id="xdx_906_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1_dtY_c20210101__20211231_zOue7Mrmi1dh" title="Expected life (years)">4.00</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: right"><span id="xdx_90B_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1_dtY_c20200101__20201231_zHAqLAW329Mb" title="Expected life (years)">4.01</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr 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"><span id="xdx_90E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_pip0_dp_c20220101__20221231_zNwrerFZqbPe" title="Risk-free interest rate">2.38</span>%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_pip0_dp_c20210101__20211231_zYp5QNinideb" title="Risk-free interest rate">0.49</span>%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_pip0_dp_c20200101__20201231_z6s2wFVTM7Rb" title="Risk-free interest rate">0.25</span>%</td><td style="text-align: left"> </td></tr> <tr 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"><span id="xdx_904_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate_pip0_dp_c20220101__20221231_zj30Fu70rAl1" title="Volatility">76</span>%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate_pip0_dp_c20210101__20211231_zxhJUUqHghP3" title="Volatility">72</span>%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_903_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate_pip0_dp_c20200101__20201231_zFKC1guENFkf" title="Volatility">73</span>%</td><td style="text-align: left"> </td></tr> <tr 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 id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_pip0_dp0_c20220101__20221231_zgAntpGqhbg7" style="text-align: right" title="Expected dividend yield">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_pip0_dp0_c20210101__20211231_zs7eO7wvlK36" style="text-align: right" title="Expected dividend yield">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_pip0_dp0_c20200101__20201231_zuZVviem8zbd" style="text-align: right" title="Expected dividend yield">–</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">For the years ended December 31, 2022, 2021 and 2020, we recorded stock-based compensation costs in the amount of $<span id="xdx_90D_eus-gaap--AllocatedShareBasedCompensationExpense_dm_c20220101__20221231_zNixX3aBO6jk" title="Stock-based compensation expense">4.4 million</span>, $<span id="xdx_90A_eus-gaap--AllocatedShareBasedCompensationExpense_dm_c20210101__20211231_zMmwOiUq3gVf" title="Stock-based compensation expense">2.0 million</span> and $<span id="xdx_90C_eus-gaap--AllocatedShareBasedCompensationExpense_dm_c20200101__20201231_zkMDhNaooHO4" title="Stock-based compensation expense">1.9 million</span>, respectively. As of December 31, 2022, the unrecognized stock-based compensation costs to be recognized over future periods was equal to $<span id="xdx_905_eus-gaap--EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions_iI_dm_c20221231_zAq24yh4FcGk" title="Unrecognized stock-based compensation costs">9.5 million</span>. This amount will be recognized as expense over a weighted-average period of <span id="xdx_90C_eus-gaap--EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_dtY_c20220101__20221231_zHkSkJX9UY7j" title="Weighted-average period for unrecognized costs">2.5</span> years.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">At December 31, 2022 and 2021, options outstanding had intrinsic values of $<span id="xdx_906_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_iI_dm_c20221231_zQ8oTRJspJp2" title="Intrinsic value options outstanding">11.2 million</span> and $<span id="xdx_905_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_iI_dm_c20211231_zGcX8kkz0Kq6" title="Intrinsic value options outstanding">13.1 million</span>, respectively. At December 31, 2022 and 2021, options exercisable had intrinsic values of $<span id="xdx_907_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_iI_dm_c20221231_ztMmxkFr4trl" title="Intrinsic value of options exercisable">7.8 million</span> and $<span id="xdx_902_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_iI_dm_c20211231_z3D8nxUc5s5" title="Intrinsic value of options exercisable">9.7 million</span>, respectively. The total intrinsic value of options exercised was $<span id="xdx_901_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_dm_c20220101__20221231_zGApzkJkUonl" title="Intrinsic value of options exercised">23.4 million</span> and $<span id="xdx_90D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_dm_c20210101__20211231_zjnkybmjX9M" title="Intrinsic value of options exercised">9.0 million</span> for the years ended December 31, 2022 and 2021, respectively. New shares were issued for all options exercised during the year ended December 2022 and cash of $<span id="xdx_902_eus-gaap--ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlansIncludingStockOptions_pip0_dm_c20220101__20221231_zgh0wl1XadC" title="Proceeds from options exercised">15.3 million</span> was received. At December 31, 2022, there were a total of <span id="xdx_90E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_iI_pp0p0_c20221231__us-gaap--PlanNameAxis__custom--Plan2006Member_zWo1lTdkQQr" title="Shares available for grant">2,661,000</span> additional shares available for grant under the 2006 Plan.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Stock option activity for the year ended December 31, 2022 for stock options under the 2006 and 1997 plans is as follows:</p> <table cellpadding="0" cellspacing="0" id="xdx_889_eus-gaap--ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock_pn3n3_z7Bba2CzR0Y" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (7) Shareholders' Equity (Details - Option activity)"> <tr style="vertical-align: bottom"> <td style="padding-left: 10pt"><span id="xdx_8B4_z01u6MDJ1Jp4" style="display: none">Schedule of option activity</span></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> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Weighted</td><td style="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">Number of</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Weighted</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="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">Shares</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Remaining</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">(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">Exercise Price</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">Contractual Term</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: 52%; text-align: left">Options outstanding at the beginning of period</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iS_pn3n3_c20220101__20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zN81y8rKj7hd" style="width: 13%; text-align: right" title="Number of shares options outstanding at the beginning of period">13,075</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iS_pip0_c20220101__20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zPZQxcrsYVch" style="width: 13%; text-align: right" title="Weighted average exercise options outstanding at the beginning of period">4.54</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A </span></td><td style="width: 1%; text-align: left"> </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_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_pn3n3_c20220101__20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zxlyfU1kmUWa" style="text-align: right" title="Number of shares Granted">1,710</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_pip0_c20220101__20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zRUtKLDBAW16" style="text-align: right" title="Weighted average exercise granted">10.28</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A </span></td><td style="text-align: left"> </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_980_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_iN_pn3n3_di_c20220101__20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zPC9UvvNUmE8" style="text-align: right" title="Number of shares Exercised">(3,128</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_pip0_c20220101__20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zZySWPOpLjba" style="text-align: right" title="Weighted average exercise exercised">4.89</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A </span></td><td style="text-align: left"> </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_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_iN_pn3n3_di_c20220101__20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_z2O1nTmDVaj2" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares Forfeited/Expired">(490</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--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice_pip0_c20220101__20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zVOJQCTzUWYi" style="border-bottom: Black 1pt solid; text-align: right" title="Weighted average exercise Forfeited/Expired">7.07</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"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A </span></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">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_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iE_pn3n3_c20220101__20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zz0mz8ecrra5" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares options outstanding at the end of period">11,167</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iE_pip0_c20220101__20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zdedxdWFjdB" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise options outstanding at the end of period">5.21</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"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_903_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20220101__20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zltoVoaaMTV3" title="Weighted average remaining contractual term, end of period">3.15</span> years </span></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 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_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zfEiSdZ8Dkuh" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares options exercisable at the end of period">7,770</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_iI_pip0_c20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zOFmpBHmsV9l" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise options exercisable at the end of period">4.56</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"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90C_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2_dtY_c20220101__20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zVd4tgZ7KZte" title="Weighted average remaining contractual term, exercisable at the end of period">2.12</span> years </span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following table presents the price distribution of stock options outstanding and exercisable for the years ended December 31, 2022 and 2021:</p> <table cellpadding="0" cellspacing="0" id="xdx_88B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAndExercisableTableTextBlock_pn3n3_zodNmy0WQSc5" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (7) Shareholders' Equity (Details - Options outstanding and exercisable)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B1_zLkRFrlgkPci" style="display: none">Schedule of options outstanding and exercisable</span></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="6" style="font-weight: bold; text-align: center">Number of shares as of</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Number of shares as of</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, 2022</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, 2021</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 colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Outstanding</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </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"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Exercisable</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </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"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Outstanding</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </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"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Exercisable</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>(In thousands)</b></span></td><td style="text-align: left"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>(In thousands)</b></span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold">Range of exercise prices:</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><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="width: 36%">$0.95 - $1.99</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zSh6TjoaYhnj" style="width: 13%; text-align: right" title="Number of shares, outstanding">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zcTXUeV3ZPG9" style="width: 13%; text-align: right" title="Number of shares, exercisable">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_z9anrCyCAsnh" style="width: 13%; text-align: right" title="Number of shares, outstanding">577</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zVDEifrXu0A2" style="width: 13%; text-align: right" title="Number of shares, exercisable">577</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>$2.00 - $2.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zkfNTITYCo1f" style="text-align: right" title="Number of shares, outstanding">1,445</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zTpxQAydqgY6" style="text-align: right" title="Number of shares, exercisable">775</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_z3LV6w2J3g92" style="text-align: right" title="Number of shares, outstanding">1,517</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_ztN7TtLjo6Pf" style="text-align: right" title="Number of shares, exercisable">489</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>$3.00 - $3.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_z5b5k4ESgvIc" style="text-align: right" title="Number of shares, outstanding">3,785</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zc2IYP6boVJ9" style="text-align: right" title="Number of shares, exercisable">3,495</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zd7FolwokBW" style="text-align: right" title="Number of shares, outstanding">4,285</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zHMOPzjvO5Fd" style="text-align: right" title="Number of shares, exercisable">3,382</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>$4.00 - $4.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_z0vnwyoHQGXc" style="text-align: right" title="Number of shares, outstanding">2,739</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zaS4bFrX7Wp6" style="text-align: right" title="Number of shares, exercisable">1,802</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zwrXRIXp3mB7" style="text-align: right" title="Number of shares, outstanding">2,870</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zkqZfNRWAgyf" style="text-align: right" title="Number of shares, exercisable">1,410</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>$5.00 - $5.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zOqdELIcC0lb" 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_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_znmTnIoaUxV9" 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_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_z7UgLb8rYuyh" 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_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zlilWG9ACQQf" style="text-align: right" title="Number of shares, exercisable">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>$6.00 - $6.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zYhHlSnnx75d" style="text-align: right" title="Number of shares, outstanding">740</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zsnKnckv5D4" style="text-align: right" title="Number of shares, exercisable">740</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zXc10sp7fwMb" style="text-align: right" title="Number of shares, outstanding">2,651</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_z4ZQkYT39IK6" style="text-align: right" title="Number of shares, exercisable">2,652</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>$7.00 - $7.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_zW5X7D9lrYdc" style="text-align: right" title="Number of shares, outstanding">748</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_ziJRdCLGVN69" style="text-align: right" title="Number of shares, exercisable">748</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_zCXemmGZBeSi" style="text-align: right" title="Number of shares, outstanding">1,175</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_z7SJoayxZYUb" style="text-align: right" title="Number of shares, exercisable">1,175</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">$10.00 - $10.99</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range8Member_z8A0p1Prom4k" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, outstanding">1,710</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range8Member_zKXu10gwfzN2" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, exercisable">210</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range8Member_ztrH9030Xtu5" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, outstanding">–</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range8Member_zwc97fgn43nl" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, exercisable">–</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">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_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231_zBQRReA6tOOf" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">11,167</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_pn3n3_c20221231_zCy0eOVrVNGa" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">7,770</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20211231_zyR8IqPStqq7" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">13,075</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20211231_zGe0TIQjEy7g" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">9,685</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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, 2022, 2021 and 2020.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"/> 4139664 11.11 35000000.0 8300000 <table cellpadding="0" cellspacing="0" id="xdx_881_eus-gaap--ScheduleOfShareBasedCompensationEmployeeStockPurchasePlanActivityTableTextBlock_pn3n3_z4NOVjRfEjoe" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (7) Shareholders' Equity (Details - Stock purchases)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B0_zPfCErYVaRZ5" style="display: none">Schedule of stock purchases</span></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">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, 2022</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, 2021</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">Shares</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">Avg. Price</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">Shares</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">Avg. Price</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: 44%; text-align: left">Open market purchases</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98A_eus-gaap--StockRepurchasedDuringPeriodShares_c20220101__20221231__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_pdd" style="width: 11%; text-align: right" title="Total stock purchases, shares">3,246,511</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20220101__20221231__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zn2wuTwXVDe" style="width: 11%; text-align: right" title="Total stock purchases, average price per share">10.44</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_988_eus-gaap--StockRepurchasedDuringPeriodShares_c20210101__20211231__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_pdd" style="width: 11%; text-align: right" title="Total stock purchases, shares">1,639,138</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pid_c20210101__20211231__us-gaap--ShareRepurchaseProgramAxis__custom--OpenMarketPurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zNoXDScQfbXb" style="width: 11%; text-align: right" title="Total stock purchases, average price per share">6.98</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_989_eus-gaap--StockRepurchasedDuringPeriodShares_c20220101__20221231__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_pdd" style="text-align: right" title="Total stock purchases, shares">893,153</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20220101__20221231__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zU6qcS7zpmCd" style="text-align: right" title="Total stock purchases, average price per share">13.56</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--StockRepurchasedDuringPeriodShares_c20210101__20211231__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_pdd" style="text-align: right" title="Total stock purchases, shares">245,743</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--TreasuryStockAcquiredAverageCostPerShare_pip0_c20210101__20211231__us-gaap--ShareRepurchaseProgramAxis__custom--SharesRedeemedMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zdib7R3LWdn6" style="text-align: right" title="Total stock purchases, average price per share">6.95</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_984_eus-gaap--StockRepurchasedDuringPeriodShares_d0_c20220101__20221231__us-gaap--ShareRepurchaseProgramAxis__custom--OtherRepurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zs3cWfakUwe6" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">–</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--TreasuryStockAcquiredAverageCostPerShare_pip0_d0_c20220101__20221231__us-gaap--ShareRepurchaseProgramAxis__custom--OtherRepurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zXa2dh9dBLM8" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price per share">–</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--StockRepurchasedDuringPeriodShares_c20210101__20211231__us-gaap--ShareRepurchaseProgramAxis__custom--OtherRepurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_pdd" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, shares">1,999,995</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--TreasuryStockAcquiredAverageCostPerShare_pip0_c20210101__20211231__us-gaap--ShareRepurchaseProgramAxis__custom--OtherRepurchasesMember__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zy9gYgVqFKX7" style="border-bottom: Black 1pt solid; text-align: right" title="Total stock purchases, average price per share">6.26</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_988_eus-gaap--StockRepurchasedDuringPeriodShares_c20220101__20221231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_pdd" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">4,139,664</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--TreasuryStockAcquiredAverageCostPerShare_pip0_c20220101__20221231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zOQT90c5fGA3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, average price per share">11.11</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--StockRepurchasedDuringPeriodShares_c20210101__20211231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_pdd" style="border-bottom: Black 2.5pt double; text-align: right" title="Total stock purchases, shares">3,884,876</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--TreasuryStockAcquiredAverageCostPerShare_pip0_c20210101__20211231__us-gaap--StatementClassOfStockAxis__us-gaap--CommonStockMember_zqYP3oeZb1Vg" 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> 3246511 10.44 1639138 6.98 893153 13.56 245743 6.95 0 0 1999995 6.26 4139664 11.11 3884876 3.97 22200000 5.42 2.65 1.33 0.75 0.80 0.79 0.71 0.72 0.80 <table cellpadding="0" cellspacing="0" id="xdx_880_eus-gaap--ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock_pn3n3_zG1beujiRYoj" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (7) Shareholders' Equity (Details - Assumptions)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B5_zBDnGWNg24ib" style="display: none">Schedule of assumptions for stock options</span></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">2022</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">2021</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">2020</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: 52%; text-align: left">Expected life (years)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: right"><span id="xdx_90F_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1_dtY_c20220101__20221231_zDHjK7czugoh" title="Expected life (years)">4.00</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: right"><span id="xdx_906_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1_dtY_c20210101__20211231_zOue7Mrmi1dh" title="Expected life (years)">4.00</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: right"><span id="xdx_90B_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1_dtY_c20200101__20201231_zHAqLAW329Mb" title="Expected life (years)">4.01</span></td><td style="width: 1%; text-align: left"> </td></tr> <tr 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"><span id="xdx_90E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_pip0_dp_c20220101__20221231_zNwrerFZqbPe" title="Risk-free interest rate">2.38</span>%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_pip0_dp_c20210101__20211231_zYp5QNinideb" title="Risk-free interest rate">0.49</span>%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_pip0_dp_c20200101__20201231_z6s2wFVTM7Rb" title="Risk-free interest rate">0.25</span>%</td><td style="text-align: left"> </td></tr> <tr 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"><span id="xdx_904_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate_pip0_dp_c20220101__20221231_zj30Fu70rAl1" title="Volatility">76</span>%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate_pip0_dp_c20210101__20211231_zxhJUUqHghP3" title="Volatility">72</span>%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_903_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate_pip0_dp_c20200101__20201231_zFKC1guENFkf" title="Volatility">73</span>%</td><td style="text-align: left"> </td></tr> <tr 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 id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_pip0_dp0_c20220101__20221231_zgAntpGqhbg7" style="text-align: right" title="Expected dividend yield">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_pip0_dp0_c20210101__20211231_zs7eO7wvlK36" style="text-align: right" title="Expected dividend yield">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_pip0_dp0_c20200101__20201231_zuZVviem8zbd" style="text-align: right" title="Expected dividend yield">–</td><td style="text-align: left"> </td></tr> </table> P4Y P4Y P4Y3D 0.0238 0.0049 0.0025 0.76 0.72 0.73 0 0 0 4400000 2000000.0 1900000 9500000 P2Y6M 11200000 13100000 7800000 9700000 23400000 9000000.0 15300000 2661000 <table cellpadding="0" cellspacing="0" id="xdx_889_eus-gaap--ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock_pn3n3_z7Bba2CzR0Y" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (7) Shareholders' Equity (Details - Option activity)"> <tr style="vertical-align: bottom"> <td style="padding-left: 10pt"><span id="xdx_8B4_z01u6MDJ1Jp4" style="display: none">Schedule of option activity</span></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> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Weighted</td><td style="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">Number of</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Weighted</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="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">Shares</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Average</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Remaining</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">(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">Exercise Price</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">Contractual Term</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: 52%; text-align: left">Options outstanding at the beginning of period</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iS_pn3n3_c20220101__20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zN81y8rKj7hd" style="width: 13%; text-align: right" title="Number of shares options outstanding at the beginning of period">13,075</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iS_pip0_c20220101__20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zPZQxcrsYVch" style="width: 13%; text-align: right" title="Weighted average exercise options outstanding at the beginning of period">4.54</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A </span></td><td style="width: 1%; text-align: left"> </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_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_pn3n3_c20220101__20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zxlyfU1kmUWa" style="text-align: right" title="Number of shares Granted">1,710</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_pip0_c20220101__20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zRUtKLDBAW16" style="text-align: right" title="Weighted average exercise granted">10.28</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A </span></td><td style="text-align: left"> </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_980_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_iN_pn3n3_di_c20220101__20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zPC9UvvNUmE8" style="text-align: right" title="Number of shares Exercised">(3,128</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_pip0_c20220101__20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zZySWPOpLjba" style="text-align: right" title="Weighted average exercise exercised">4.89</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A </span></td><td style="text-align: left"> </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_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_iN_pn3n3_di_c20220101__20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_z2O1nTmDVaj2" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares Forfeited/Expired">(490</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--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationsInPeriodWeightedAverageExercisePrice_pip0_c20220101__20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zVOJQCTzUWYi" style="border-bottom: Black 1pt solid; text-align: right" title="Weighted average exercise Forfeited/Expired">7.07</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"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">N/A </span></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">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_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iE_pn3n3_c20220101__20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zz0mz8ecrra5" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares options outstanding at the end of period">11,167</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iE_pip0_c20220101__20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zdedxdWFjdB" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise options outstanding at the end of period">5.21</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"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_903_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20220101__20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zltoVoaaMTV3" title="Weighted average remaining contractual term, end of period">3.15</span> years </span></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 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_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zfEiSdZ8Dkuh" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares options exercisable at the end of period">7,770</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_iI_pip0_c20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zOFmpBHmsV9l" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted average exercise options exercisable at the end of period">4.56</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"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90C_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageRemainingContractualTerm2_dtY_c20220101__20221231__us-gaap--AwardTypeAxis__us-gaap--StockOptionMember_zVd4tgZ7KZte" title="Weighted average remaining contractual term, exercisable at the end of period">2.12</span> years </span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 13075000 4.54 1710000 10.28 3128000 4.89 490000 7.07 11167000 5.21 P3Y1M24D 7770000 4.56 P2Y1M13D <table cellpadding="0" cellspacing="0" id="xdx_88B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAndExercisableTableTextBlock_pn3n3_zodNmy0WQSc5" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (7) Shareholders' Equity (Details - Options outstanding and exercisable)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B1_zLkRFrlgkPci" style="display: none">Schedule of options outstanding and exercisable</span></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="6" style="font-weight: bold; text-align: center">Number of shares as of</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">Number of shares as of</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, 2022</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, 2021</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 colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Outstanding</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </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"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Exercisable</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </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"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Outstanding</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </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"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Exercisable</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>(In thousands)</b></span></td><td style="text-align: left"> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>(In thousands)</b></span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold">Range of exercise prices:</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><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="width: 36%">$0.95 - $1.99</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zSh6TjoaYhnj" style="width: 13%; text-align: right" title="Number of shares, outstanding">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zcTXUeV3ZPG9" style="width: 13%; text-align: right" title="Number of shares, exercisable">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_z9anrCyCAsnh" style="width: 13%; text-align: right" title="Number of shares, outstanding">577</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range1Member_zVDEifrXu0A2" style="width: 13%; text-align: right" title="Number of shares, exercisable">577</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>$2.00 - $2.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zkfNTITYCo1f" style="text-align: right" title="Number of shares, outstanding">1,445</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_zTpxQAydqgY6" style="text-align: right" title="Number of shares, exercisable">775</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_z3LV6w2J3g92" style="text-align: right" title="Number of shares, outstanding">1,517</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range2Member_ztN7TtLjo6Pf" style="text-align: right" title="Number of shares, exercisable">489</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>$3.00 - $3.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_z5b5k4ESgvIc" style="text-align: right" title="Number of shares, outstanding">3,785</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zc2IYP6boVJ9" style="text-align: right" title="Number of shares, exercisable">3,495</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zd7FolwokBW" style="text-align: right" title="Number of shares, outstanding">4,285</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range3Member_zHMOPzjvO5Fd" style="text-align: right" title="Number of shares, exercisable">3,382</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>$4.00 - $4.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_z0vnwyoHQGXc" style="text-align: right" title="Number of shares, outstanding">2,739</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zaS4bFrX7Wp6" style="text-align: right" title="Number of shares, exercisable">1,802</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zwrXRIXp3mB7" style="text-align: right" title="Number of shares, outstanding">2,870</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range4Member_zkqZfNRWAgyf" style="text-align: right" title="Number of shares, exercisable">1,410</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>$5.00 - $5.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zOqdELIcC0lb" 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_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_znmTnIoaUxV9" 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_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_z7UgLb8rYuyh" 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_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range5Member_zlilWG9ACQQf" style="text-align: right" title="Number of shares, exercisable">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>$6.00 - $6.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zYhHlSnnx75d" style="text-align: right" title="Number of shares, outstanding">740</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zsnKnckv5D4" style="text-align: right" title="Number of shares, exercisable">740</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_zXc10sp7fwMb" style="text-align: right" title="Number of shares, outstanding">2,651</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range6Member_z4ZQkYT39IK6" style="text-align: right" title="Number of shares, exercisable">2,652</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>$7.00 - $7.99</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_zW5X7D9lrYdc" style="text-align: right" title="Number of shares, outstanding">748</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_ziJRdCLGVN69" style="text-align: right" title="Number of shares, exercisable">748</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_zCXemmGZBeSi" style="text-align: right" title="Number of shares, outstanding">1,175</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range7Member_z7SJoayxZYUb" style="text-align: right" title="Number of shares, exercisable">1,175</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt">$10.00 - $10.99</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range8Member_z8A0p1Prom4k" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, outstanding">1,710</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20221231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range8Member_zKXu10gwfzN2" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, exercisable">210</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_d0_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range8Member_ztrH9030Xtu5" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, outstanding">–</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_d0_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--Range8Member_zwc97fgn43nl" style="border-bottom: Black 1pt solid; text-align: right" title="Number of shares, exercisable">–</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">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_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20221231_zBQRReA6tOOf" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">11,167</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_pn3n3_c20221231_zCy0eOVrVNGa" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">7,770</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iI_pn3n3_c20211231_zyR8IqPStqq7" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, outstanding">13,075</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--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pn3n3_c20211231_zGe0TIQjEy7g" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of shares, exercisable">9,685</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 0 0 577000 577000 1445000 775000 1517000 489000 3785000 3495000 4285000 3382000 2739000 1802000 2870000 1410000 0 0 0 0 740000 740000 2651000 2652000 748000 748000 1175000 1175000 1710000 210000 0 0 11167000 7770000 13075000 9685000 <p id="xdx_802_eus-gaap--InterestIncomeAndInterestExpenseDisclosureTextBlock_zMJZe2kePnKg" style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"><i>(8) <span>Interest Income and Interest Expense</span></i></p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">The following table presents the components of interest income: </p> <table cellpadding="0" cellspacing="0" id="xdx_88C_eus-gaap--InterestAndOtherIncomeTableTextBlock_pn3n3_zdjhOe981eM" 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"> <td style="text-align: left"><span id="xdx_8B9_z8ejKTHhz7yd" style="display: none">Schedule of interest income</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20220101__20221231_z4vPCa74ctf6" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20210101__20211231_zAgQzhBzgoof" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20200101__20201231_zJGrdgte7BEg" style="text-align: center"> </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">2022</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">2021</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">2020</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_403_eus-gaap--InvestmentIncomeNet_pn3n3_zYk3gn6yFmb3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 52%; text-align: left">Interest on finance receivables</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">35,091</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">69,783</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">126,043</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--InterestIncomePurchasedReceivables_pn3n3_zLm6JbLh5aac" 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">268,621</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">196,461</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">168,266</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_ecustom--MarkToFinanceReceivablesMeasuredAtFairValue_iN_pn3n3_di_z5nlCMczXqlb" 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">15,283</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(4,417</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(29,528</td><td style="text-align: left">)</td></tr> <tr id="xdx_403_eus-gaap--InterestAndOtherIncome_pn3n3_z0XBOeeBwwM5" 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">1,525</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">22</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">673</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--InterestAndDividendIncomeOperating_pn3n3_z2wRr30Mm1o4" 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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">320,520</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">261,849</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">265,454</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">The following table presents the components of interest expense: </p> <table cellpadding="0" cellspacing="0" id="xdx_886_eus-gaap--InterestIncomeAndInterestExpenseDisclosureTableTextBlock_pn3n3_z36TAVQbhnQe" 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"> <td style="text-align: left"><span id="xdx_8B7_zw0986nBo5Nh" style="display: none">Schedule of interest expense</span></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">2022</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">2021</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">2020</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: 52%; text-align: left">Securitization trust debt</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--InterestExpense_c20220101__20221231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_pn3n3" style="width: 13%; text-align: right" title="Total interest expense">70,627</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--InterestExpense_c20210101__20211231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_pn3n3" style="width: 13%; text-align: right" title="Total interest expense">64,387</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--InterestExpense_c20200101__20201231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_pn3n3" style="width: 13%; text-align: right" title="Total interest expense">88,031</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_984_eus-gaap--InterestExpense_c20220101__20221231__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_pn3n3" style="text-align: right" title="Total interest expense">10,310</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--InterestExpense_c20210101__20211231__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_pn3n3" style="text-align: right" title="Total interest expense">4,448</td><td style="text-align: left"> </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></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_981_eus-gaap--InterestExpense_c20220101__20221231__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_pn3n3" style="text-align: right" title="Total interest expense">4,243</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--InterestExpense_c20210101__20211231__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_pn3n3" style="text-align: right" title="Total interest expense">3,763</td><td style="text-align: left"> </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></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_98E_eus-gaap--InterestExpense_c20220101__20221231__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total interest expense">2,344</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--InterestExpense_c20210101__20211231__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total interest expense">2,641</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--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></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">$</td><td id="xdx_98B_eus-gaap--InterestExpense_c20220101__20221231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total interest expense">87,524</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--InterestExpense_c20210101__20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total interest expense">75,239</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--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></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"/> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <table cellpadding="0" cellspacing="0" id="xdx_88C_eus-gaap--InterestAndOtherIncomeTableTextBlock_pn3n3_zdjhOe981eM" 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"> <td style="text-align: left"><span id="xdx_8B9_z8ejKTHhz7yd" style="display: none">Schedule of interest income</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20220101__20221231_z4vPCa74ctf6" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20210101__20211231_zAgQzhBzgoof" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20200101__20201231_zJGrdgte7BEg" style="text-align: center"> </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">2022</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">2021</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">2020</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_403_eus-gaap--InvestmentIncomeNet_pn3n3_zYk3gn6yFmb3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 52%; text-align: left">Interest on finance receivables</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">35,091</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">69,783</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">126,043</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--InterestIncomePurchasedReceivables_pn3n3_zLm6JbLh5aac" 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">268,621</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">196,461</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">168,266</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_ecustom--MarkToFinanceReceivablesMeasuredAtFairValue_iN_pn3n3_di_z5nlCMczXqlb" 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">15,283</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(4,417</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(29,528</td><td style="text-align: left">)</td></tr> <tr id="xdx_403_eus-gaap--InterestAndOtherIncome_pn3n3_z0XBOeeBwwM5" 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">1,525</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">22</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">673</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--InterestAndDividendIncomeOperating_pn3n3_z2wRr30Mm1o4" 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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">320,520</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">261,849</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">265,454</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 35091000 69783000 126043000 268621000 196461000 168266000 -15283000 4417000 29528000 1525000 22000 673000 320520000 261849000 265454000 <table cellpadding="0" cellspacing="0" id="xdx_886_eus-gaap--InterestIncomeAndInterestExpenseDisclosureTableTextBlock_pn3n3_z36TAVQbhnQe" 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"> <td style="text-align: left"><span id="xdx_8B7_zw0986nBo5Nh" style="display: none">Schedule of interest expense</span></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">2022</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">2021</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">2020</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: 52%; text-align: left">Securitization trust debt</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--InterestExpense_c20220101__20221231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_pn3n3" style="width: 13%; text-align: right" title="Total interest expense">70,627</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--InterestExpense_c20210101__20211231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_pn3n3" style="width: 13%; text-align: right" title="Total interest expense">64,387</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--InterestExpense_c20200101__20201231__us-gaap--LongtermDebtTypeAxis__custom--SecuritizationTrustDebtMember_pn3n3" style="width: 13%; text-align: right" title="Total interest expense">88,031</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_984_eus-gaap--InterestExpense_c20220101__20221231__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_pn3n3" style="text-align: right" title="Total interest expense">10,310</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--InterestExpense_c20210101__20211231__us-gaap--LongtermDebtTypeAxis__custom--WarehouseLinesOfCreditMember_pn3n3" style="text-align: right" title="Total interest expense">4,448</td><td style="text-align: left"> </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></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_981_eus-gaap--InterestExpense_c20220101__20221231__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_pn3n3" style="text-align: right" title="Total interest expense">4,243</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--InterestExpense_c20210101__20211231__us-gaap--LongtermDebtTypeAxis__custom--ResidualInterestFinancingMember_pn3n3" style="text-align: right" title="Total interest expense">3,763</td><td style="text-align: left"> </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></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_98E_eus-gaap--InterestExpense_c20220101__20221231__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total interest expense">2,344</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--InterestExpense_c20210101__20211231__us-gaap--LongtermDebtTypeAxis__custom--SubordinatedRenewableNotesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total interest expense">2,641</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--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></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">$</td><td id="xdx_98B_eus-gaap--InterestExpense_c20220101__20221231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total interest expense">87,524</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--InterestExpense_c20210101__20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total interest expense">75,239</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--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></tr> </table> 70627000 64387000 88031000 10310000 4448000 7678000 4243000 3763000 3454000 2344000 2641000 2175000 87524000 75239000 101338000 <p id="xdx_803_eus-gaap--IncomeTaxDisclosureTextBlock_z0buUTtnuX68" style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"><i>(9) <span>Income Taxes </span></i></p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">Income taxes consist of the following: </p> <table cellpadding="0" cellspacing="0" id="xdx_889_eus-gaap--ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_pn3n3_zRre1Tx7dmHh" 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"> <td style="text-align: left"><span id="xdx_8B7_zwc9pkMpeDg8" style="display: none">Schedule of income tax expense</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_494_20220101__20221231_zvy080i6IJQk" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20210101__20211231_z2syXdHAVVU6" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_497_20200101__20201231_zLl8rgL40kPf" style="text-align: center"> </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">2022</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">2021</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">2020</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_40F_eus-gaap--CurrentFederalTaxExpenseBenefit_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 52%; text-align: left">Current federal tax expense</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">16,946</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">8,992</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">(23,576</td><td style="width: 1%; text-align: left">)</td></tr> <tr id="xdx_405_eus-gaap--CurrentStateAndLocalTaxExpenseBenefit_i_pn3n3" 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">3,352</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,845</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">472</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--DeferredFederalIncomeTaxExpenseBenefit_i_pn3n3" 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">5,573</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,012</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">18,937</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--DeferredStateAndLocalIncomeTaxExpenseBenefit_i_pn3n3" 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">4,339</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">3,373</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">2,610</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><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--IncomeTaxExpenseBenefit_i_pn3n3" style="vertical-align: bottom; background-color: White"> <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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">30,210</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">18,222</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">(1,557</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Income tax expense for the years ended December 31, 2022, 2021 and 2020 differs from the amount determined by applying the statutory federal rate to income before income taxes as follows: </p> <table cellpadding="0" cellspacing="0" id="xdx_88B_eus-gaap--ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_pn3n3_zdEyo2jcdcfh" 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"> <td style="text-align: left"> <span id="xdx_8BA_zmBNG3VkUhi" style="display: none">Schedule of reconciliation of income taxes</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20220101__20221231_zhD1RxGc2QG2" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_497_20210101__20211231_zWh2bzVSTTSl" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_497_20200101__20201231_z9JbM73iHl0d" style="text-align: center"> </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">2022</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">2021</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">2020</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_406_eus-gaap--IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 52%; text-align: left">Expense at federal tax rate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">24,401</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">13,807</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">4,225</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--IncomeTaxReconciliationStateAndLocalIncomeTaxes_i_pn3n3" 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">6,462</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,974</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,505</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--IncomeTaxReconciliationNondeductibleExpenseShareBasedCompensationCost_i_pn3n3" 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">(2,611</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(947</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">35</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--IncomeTaxReconciliationNondeductibleExpenseOther_i_pn3n3" 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">1,056</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,129</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">974</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_ecustom--IncomeTaxReconciliationOperatingLossCarryback_d0_zaIvlLn3q4v5" 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">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,694</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(9,435</td><td style="text-align: left">)</td></tr> <tr id="xdx_40B_eus-gaap--IncomeTaxReconciliationChangeInEnactedTaxRate_d0_zO0611TJW7Ta" 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_408_ecustom--AccountingMethodChange_d0_zZAWi2fjqNR1" 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">–</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--IncomeTaxReconciliationOtherReconcilingItems_zF78ReQhyoO" 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">902</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">1,953</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">1,139</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--IncomeTaxExpenseBenefit_zIdyX4QmkRN9" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt"><b style="display: none">Income tax expense</b></td><td> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">30,210</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">18,222</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">(1,557</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The tax effected cumulative temporary differences that give rise to deferred tax assets and liabilities as of December 31, 2022 and 2021 are as follows: </p> <table cellpadding="0" cellspacing="0" id="xdx_880_eus-gaap--ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_pn3n3_zo2m3fPSoGib" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (9) Income Taxes (Details - Deferred taxes)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B4_zUIUqpcu4u2i" style="display: none">Schedule of deferred tax assets and liabilities</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_492_20221231_zhj331knE1D" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20211231_zu3xaYHbiMCd" 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">2022</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">2021</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; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Deferred Tax 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></tr> <tr id="xdx_407_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_i01I_pn3n3_zzBjUAdx1Aq2" style="vertical-align: bottom; background-color: White"> <td style="width: 68%; text-align: left">Finance receivables</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">4,870</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">10,644</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Accrued liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,708</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,694</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--DeferredTaxAssetsOperatingLossCarryforwards_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">NOL carryforwards</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">450</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,070</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_ecustom--DeferredTaxAssetsBuiltInLosses_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Built in losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,024</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,679</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions_i01I_pn3n3_d0_z56tBjTwLaRe" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Pension accrual</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--DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Stock compensation</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,172</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,584</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsOther_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Lease liability</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,711</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,737</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--DeferredTaxAssetsOther_i01I_pn3n3_d0_zlBzilcEJVxe" 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 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_40B_eus-gaap--DeferredTaxAssetsGross_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <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">12,935</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">$</td><td style="border-bottom: Black 1pt solid; text-align: right">23,408</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--DeferredTaxLiabilitiesAbstract_iB" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Deferred Tax Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DeferredTaxLiabilitiesFinancingArrangements_i01NI_pn3n3_di0_zGgMqVlyP2x3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance receivables</td><td> </td> <td style="text-align: left">$</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">–</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--DeferredTaxLiabilitiesDeferredExpenseDeferredFinancingCosts_i01NI_pn3n3_di0_zjaDoR2b3Gok" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Deferred loan costs</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--DeferredTaxLiabilitiesExpenseCompensationBenefitsPensions_i01NI_pn3n3" 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">(752</td><td style="text-align: left">)</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_406_eus-gaap--DeferredTaxLiabilitiesLeasingArrangements_i01NI_pn3n3_di_zRV74CE8egc9" 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">(1,572</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(2,487</td><td style="text-align: left">)</td></tr> <tr id="xdx_406_eus-gaap--DeferredTaxLiabilitiesPropertyPlantAndEquipment_i01NI_pn3n3_di_z2hRdix5w685" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Furniture and equipment and 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">(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 style="border-bottom: Black 1pt solid; text-align: right">(320</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_409_eus-gaap--DeferredIncomeTaxLiabilities_i01NI_pn3n3_di_zElbktwNInme" 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">(2,758</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">(3,833</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_403_eus-gaap--DeferredTaxAssetsLiabilitiesNet_i01I_pn3n3" 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">10,177</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">19,575</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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 $<span id="xdx_90D_eus-gaap--DeferredTaxAssetsNet_iI_dm_c20221231_zIzsXpyNc36h" title="Net deferred tax asset">10.2 million</span> as of December 31, 2022 is more likely than not based on forecasted future net earnings. Our net deferred tax asset of $10.2 million consists of approximately $<span id="xdx_90F_eus-gaap--DeferredTaxAssetsNet_iI_dm_c20221231__us-gaap--IncomeTaxAuthorityAxis__custom--FederalMember_z6EOr9cdH2Y7" title="Net deferred tax asset">7.0 million</span> of net U.S. federal deferred tax assets and $<span id="xdx_90F_eus-gaap--DeferredTaxAssetsNet_iI_dm_c20221231__us-gaap--IncomeTaxAuthorityAxis__custom--StateMember_zdjtmFepKWBl" title="Net deferred tax asset">3.2 million</span> of net state deferred tax assets.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">As of December 31, 2022, we had net operating loss carryforwards for state income tax purposes of $<span id="xdx_909_eus-gaap--OperatingLossCarryforwards_iI_dm_c20221231__us-gaap--IncomeTaxAuthorityAxis__custom--StateMember_zjZxoNxfNsNl" title="Net operating loss carryforward">42.4 million</span>. These state net operating losses begin to expire in 2023.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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, 2022, we had no unrecognized tax benefits for uncertain tax positions.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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 2018.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <table cellpadding="0" cellspacing="0" id="xdx_889_eus-gaap--ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_pn3n3_zRre1Tx7dmHh" 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"> <td style="text-align: left"><span id="xdx_8B7_zwc9pkMpeDg8" style="display: none">Schedule of income tax expense</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_494_20220101__20221231_zvy080i6IJQk" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20210101__20211231_z2syXdHAVVU6" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_497_20200101__20201231_zLl8rgL40kPf" style="text-align: center"> </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">2022</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">2021</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">2020</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_40F_eus-gaap--CurrentFederalTaxExpenseBenefit_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 52%; text-align: left">Current federal tax expense</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">16,946</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">8,992</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">(23,576</td><td style="width: 1%; text-align: left">)</td></tr> <tr id="xdx_405_eus-gaap--CurrentStateAndLocalTaxExpenseBenefit_i_pn3n3" 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">3,352</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,845</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">472</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--DeferredFederalIncomeTaxExpenseBenefit_i_pn3n3" 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">5,573</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,012</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">18,937</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--DeferredStateAndLocalIncomeTaxExpenseBenefit_i_pn3n3" 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">4,339</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">3,373</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">2,610</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><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--IncomeTaxExpenseBenefit_i_pn3n3" style="vertical-align: bottom; background-color: White"> <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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">30,210</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">18,222</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">(1,557</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> </table> 16946000 8992000 -23576000 3352000 2845000 472000 5573000 3012000 18937000 4339000 3373000 2610000 30210000 18222000 -1557000 <table cellpadding="0" cellspacing="0" id="xdx_88B_eus-gaap--ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_pn3n3_zdEyo2jcdcfh" 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"> <td style="text-align: left"> <span id="xdx_8BA_zmBNG3VkUhi" style="display: none">Schedule of reconciliation of income taxes</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_493_20220101__20221231_zhD1RxGc2QG2" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_497_20210101__20211231_zWh2bzVSTTSl" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_497_20200101__20201231_z9JbM73iHl0d" style="text-align: center"> </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">2022</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">2021</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">2020</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_406_eus-gaap--IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 52%; text-align: left">Expense at federal tax rate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">24,401</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">13,807</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">4,225</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--IncomeTaxReconciliationStateAndLocalIncomeTaxes_i_pn3n3" 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">6,462</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,974</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,505</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--IncomeTaxReconciliationNondeductibleExpenseShareBasedCompensationCost_i_pn3n3" 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">(2,611</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(947</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">35</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--IncomeTaxReconciliationNondeductibleExpenseOther_i_pn3n3" 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">1,056</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,129</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">974</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_ecustom--IncomeTaxReconciliationOperatingLossCarryback_d0_zaIvlLn3q4v5" 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">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,694</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(9,435</td><td style="text-align: left">)</td></tr> <tr id="xdx_40B_eus-gaap--IncomeTaxReconciliationChangeInEnactedTaxRate_d0_zO0611TJW7Ta" 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_408_ecustom--AccountingMethodChange_d0_zZAWi2fjqNR1" 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">–</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--IncomeTaxReconciliationOtherReconcilingItems_zF78ReQhyoO" 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">902</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">1,953</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">1,139</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--IncomeTaxExpenseBenefit_zIdyX4QmkRN9" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="padding-bottom: 2.5pt"><b style="display: none">Income tax expense</b></td><td> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">30,210</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">18,222</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">(1,557</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> </table> 24401000 13807000 4225000 6462000 3974000 1505000 -2611000 -947000 35000 1056000 1129000 974000 0 -1694000 -9435000 0 0 0 0 0 0 902000 1953000 1139000 30210000 18222000 -1557000 <table cellpadding="0" cellspacing="0" id="xdx_880_eus-gaap--ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_pn3n3_zo2m3fPSoGib" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (9) Income Taxes (Details - Deferred taxes)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B4_zUIUqpcu4u2i" style="display: none">Schedule of deferred tax assets and liabilities</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_492_20221231_zhj331knE1D" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20211231_zu3xaYHbiMCd" 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">2022</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">2021</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; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Deferred Tax 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></tr> <tr id="xdx_407_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_i01I_pn3n3_zzBjUAdx1Aq2" style="vertical-align: bottom; background-color: White"> <td style="width: 68%; text-align: left">Finance receivables</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">4,870</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">10,644</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Accrued liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,708</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,694</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--DeferredTaxAssetsOperatingLossCarryforwards_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">NOL carryforwards</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">450</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,070</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_ecustom--DeferredTaxAssetsBuiltInLosses_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Built in losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,024</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,679</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPensions_i01I_pn3n3_d0_z56tBjTwLaRe" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Pension accrual</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--DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTax_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Stock compensation</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,172</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,584</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsOther_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Lease liability</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,711</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,737</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--DeferredTaxAssetsOther_i01I_pn3n3_d0_zlBzilcEJVxe" 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 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_40B_eus-gaap--DeferredTaxAssetsGross_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <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">12,935</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">$</td><td style="border-bottom: Black 1pt solid; text-align: right">23,408</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--DeferredTaxLiabilitiesAbstract_iB" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Deferred Tax Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DeferredTaxLiabilitiesFinancingArrangements_i01NI_pn3n3_di0_zGgMqVlyP2x3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance receivables</td><td> </td> <td style="text-align: left">$</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">–</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--DeferredTaxLiabilitiesDeferredExpenseDeferredFinancingCosts_i01NI_pn3n3_di0_zjaDoR2b3Gok" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Deferred loan costs</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--DeferredTaxLiabilitiesExpenseCompensationBenefitsPensions_i01NI_pn3n3" 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">(752</td><td style="text-align: left">)</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_406_eus-gaap--DeferredTaxLiabilitiesLeasingArrangements_i01NI_pn3n3_di_zRV74CE8egc9" 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">(1,572</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(2,487</td><td style="text-align: left">)</td></tr> <tr id="xdx_406_eus-gaap--DeferredTaxLiabilitiesPropertyPlantAndEquipment_i01NI_pn3n3_di_z2hRdix5w685" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Furniture and equipment and 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">(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 style="border-bottom: Black 1pt solid; text-align: right">(320</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_409_eus-gaap--DeferredIncomeTaxLiabilities_i01NI_pn3n3_di_zElbktwNInme" 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">(2,758</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">(3,833</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_403_eus-gaap--DeferredTaxAssetsLiabilitiesNet_i01I_pn3n3" 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">10,177</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">19,575</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 4870000 10644000 1708000 1694000 450000 2070000 2024000 2679000 0 0 2172000 3584000 1711000 2737000 0 0 12935000 23408000 -0 -0 -0 -0 -752000 -1026000 1572000 2487000 434000 320000 2758000 3833000 10177000 19575000 10200000 7000000.0 3200000 42400000 <p id="xdx_809_eus-gaap--CommitmentsAndContingenciesDisclosureTextBlock_zRgccKJ1p7g9" style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"><i>(10) <span>Commitments and Contingencies</span></i></p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0">Leases</p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following table presents the supplemental balance sheet information related to leases: </p> <table cellpadding="0" cellspacing="0" id="xdx_882_ecustom--SupplementalBalanceSheetInformationRelatedToLeasesTableTextBlock_pn3n3_zabgye1qEhX4" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (10) Commitments and Contingencies (Details - Supplemental balance sheet information related to leases)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B8_ztLfkWGRzvt" style="display: none">Supplemental balance sheet information related to leases</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20221231_zPtVDJM6wubd" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49F_20211231_zLja5N0o9n5c" style="text-align: center"> </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">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="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</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">2021</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_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_401_ecustom--OperatingLeaseRightOfUseAssetGross_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="width: 68%; text-align: left">Operating lease right-of-use assets</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">28,397</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">25,819</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--OperatingLeaseRightOfUseAssetAccumulatedAmortization_i01NI_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Less: Accumulated amortization right-of-use assets</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(22,613</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(17,624</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40A_ecustom--OperatingLeaseRightOfUseAsset1_i01I_pn3n3_z5fSilQgXPg8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Operating lease right-of-use assets, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,784</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">8,195</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--OperatingLeaseLiability1_iNI_di_zFCtTXqWIIC3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(6,234</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(9,058</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--FinanceLeasesAbstract_iB" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Finance Leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--FinanceLeaseRightOfUseAssetAtCost_i01I_pn3n3_zqkuTKk7NOSh" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Property and equipment, at cost</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,407</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,407</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--FinanceLeaseRightOfUseAssetAccumulatedDepreciation_i01NI_pn3n3_di_zoy05RWIh1Ld" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Less: Accumulated depreciation</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(3,301</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(2,348</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40A_ecustom--FinanceLeaseRightOfUseAsset1_i01I_pn3n3_zY3XoZ3THaO3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Property and equipment, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">106</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,059</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_ecustom--FinanceLeaseLiability1_iNI_di_zhqidnwemvSa" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(177</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(1,124</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_40A_eus-gaap--OperatingLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_z3v56uWWRcVk" 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_401_eus-gaap--FinanceLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_zy0PFcJwCdl5" 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">6.5%</td><td style="text-align: left"> </td></tr> </table> <p style="margin: 0"> </p> <table cellpadding="0" cellspacing="0" id="xdx_883_ecustom--LesseeOperatingAndFinanceLeaseLiablityMaturityTableTextBlock_pn3n3_z4WS2R010rk4" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (10) Commitments and Contingencies (Details - Maturities of lease liabilities)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B7_zDfcsTpthco4" style="display: none">Maturities of leases</span></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="font-weight: bold">Maturities of lease liabilities were as follows:</td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td>(In thousands)</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Operating</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Finance</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt">Year Ending December 31,</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">Lease</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">Lease</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: 68%">2023</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="width: 13%; text-align: right" title="Operating lease maturing 2023">4,378</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--FinanceLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pn3n3_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zj85k3aoNIDl" style="width: 13%; text-align: right" title="Finance lease maturing 2023">147</td><td style="width: 1%; 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_980_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="text-align: right" title="Operating lease maturing 2024">1,544</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearTwo_iI_pn3n3_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zCvBREUYWH89" 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>2025</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearThree_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="text-align: right" title="Operating lease maturing 2025">794</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearThree_iI_pn3n3_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zaC67M31yVRa" style="text-align: right" title="Finance lease maturing 2025">9</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFour_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="text-align: right" title="Operating lease maturing 2026">501</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFour_iI_pn3n3_d0_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_ztoY1MOxetKl" style="text-align: right" title="Finance lease maturing 2026">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2027</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFive_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="text-align: right" title="Operating lease maturing 2027">509</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFive_iI_pn3n3_d0_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zLFRqJDl5Izf" style="text-align: right" title="Finance lease maturing 2027">–</td><td style="text-align: left"> </td></tr> <tr 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 id="xdx_984_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Operating lease maturing thereafter">650</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--FinanceLeaseLiabilityPaymentsDueAfterYearFive_iI_pn3n3_d0_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_z9bmJiUFXzLl" style="border-bottom: Black 1pt solid; text-align: right" title="Finance lease maturing thereafter">–</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">Total undiscounted lease payments</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDue_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="text-align: right" title="Total undiscounted operating lease payments">8,376</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinanceLeaseLiabilityPaymentsDue_iI_pn3n3_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_z6jPVNsCAe9d" style="text-align: right" title="Total undiscounted finance lease payments">182</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <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_987_ecustom--OperatingLeasesFutureMinimumPaymentsDueInterest_iNI_pn3n3_di_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_z6aFmATX8VE2" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest">(2,142</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--LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zyIA5yZWGz21" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest">(5</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">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_98B_eus-gaap--OperatingLeaseLiability_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Operating Lease Liability">6,234</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--FinanceLeaseLiability_iI_pn3n3_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zhLIZ6AedY0g" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance Lease Liability">177</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The following table presents the leases expense included in Occupancy, General and administrative on our Condensed Consolidated Statement of Operations: </p> <table cellpadding="0" cellspacing="0" id="xdx_88F_eus-gaap--LeaseCostTableTextBlock_pn3n3_zIGAsgzIkk1" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (10) Commitments and Contingencies (Details - Lease cost)"> <tr style="vertical-align: bottom"> <td style="text-align: left; padding-bottom: 1pt"><span id="xdx_8B0_zHQnHVESkE28" style="display: none">Schedule of lease cost</span></td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td id="xdx_493_20220101__20221231_zCHv6AubgP4i" style="text-align: center"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td id="xdx_49E_20210101__20211231_z6hdHelMZVs1" style="text-align: center"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td id="xdx_49E_20200101__20201231_ze9cPKYRqC4b" style="text-align: center"> </td><td style="padding-bottom: 1pt; 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">2022</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">2021</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">2020</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_401_eus-gaap--OperatingLeaseCost_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 52%; text-align: left">Operating lease cost</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">6,650</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">7,184</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">7,523</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_404_ecustom--FinanceLeaseCost_i_pn3n3" 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">987</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">1,229</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">1,179</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--LeaseCost_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,637</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">8,413</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">8,702</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0in">The following table presents the supplemental cash flow information related to leases: </p> <table cellpadding="0" cellspacing="0" id="xdx_88C_eus-gaap--ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock_pn3n3_zD4pZm2OGzZ4" 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"> <td style="font-weight: bold"><span id="xdx_8B2_zKJZbLpImI2e" style="display: none">Supplemental cash flow information related to leases</span></td><td> </td> <td colspan="2" id="xdx_49C_20220101__20221231_zaRKejhoN2D2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" id="xdx_498_20210101__20211231_zA90L3GYOTXc" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" id="xdx_49D_20200101__20201231_znJhsYtkmRZ4" style="text-align: center"> </td><td> </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">2022</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">2021</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">2020</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_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"> </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: 52%; text-align: left">Operating cash flows from operating leases</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">7,056</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">7,474</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">7,762</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">948</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,118</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,007</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">40</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">111</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></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0">Legal Proceedings</p> <p style="font: italic 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"><i>Consumer Litigation.</i> 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.</p> <p style="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Following our filing of a complaint for a deficiency judgment in the Superior Court at Waterbury, Connecticut, the defendant filed a cross-claim alleging that our deficiency notices were not compliant with Connecticut law, and seeking relief on behalf of a class of Connecticut obligors whose vehicles we had repossessed. The defendant’s contract provided for resolution of disputes exclusively by arbitration, and exclusively on an individual basis, not a class basis. Nevertheless, in August 2021, the court denied our motion to compel arbitration, without opinion. In April 2022, a motion for certification of a class was filed but has not been ruled upon. It is reasonable to expect that resolution of these claims will be on a class basis.</p> <p style="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt">  </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"><i>Wage and Hour Claim.</i> 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.</p> <p style="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"><i>Massachusetts Civil Investigative Demand</i>. In September 2021, we received a civil investigative demand from the Office of the Attorney General of the Commonwealth of Massachusetts relating to the Company’s communications with and repossession notices sent to Massachusetts customers. We are cooperating with the inquiry.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"><i>In General.</i> 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, 2022, our best estimate of probable incurred losses for legal contingencies, including the matters identified above. 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, 2022 is $<span id="xdx_90D_ecustom--ProbableLossesForLegalContingencies_iI_dm_c20221231_zrc3Y8prtR2e" title="Probably losses for legal contingencies">4.9 million</span>, 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, 2022 does not exceed $<span id="xdx_908_ecustom--MaximumPossibleLossesForLegalProceedingsAndContingencies_iI_dm_c20221231_zWw4oX5sKod2" title="Maximum possible losses for legal proceedings and contingencies">11.2 million</span>.</p> <p style="font: 10pt Times New Roman, Times, Serif; text-align: justify; margin-top: 0pt; margin-bottom: 0pt"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <table cellpadding="0" cellspacing="0" id="xdx_882_ecustom--SupplementalBalanceSheetInformationRelatedToLeasesTableTextBlock_pn3n3_zabgye1qEhX4" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (10) Commitments and Contingencies (Details - Supplemental balance sheet information related to leases)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B8_ztLfkWGRzvt" style="display: none">Supplemental balance sheet information related to leases</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20221231_zPtVDJM6wubd" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49F_20211231_zLja5N0o9n5c" style="text-align: center"> </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">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="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</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">2021</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_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_401_ecustom--OperatingLeaseRightOfUseAssetGross_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="width: 68%; text-align: left">Operating lease right-of-use assets</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">28,397</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">25,819</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--OperatingLeaseRightOfUseAssetAccumulatedAmortization_i01NI_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 1pt">Less: Accumulated amortization right-of-use assets</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(22,613</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(17,624</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40A_ecustom--OperatingLeaseRightOfUseAsset1_i01I_pn3n3_z5fSilQgXPg8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Operating lease right-of-use assets, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,784</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">8,195</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--OperatingLeaseLiability1_iNI_di_zFCtTXqWIIC3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Operating lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(6,234</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(9,058</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--FinanceLeasesAbstract_iB" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Finance Leases</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--FinanceLeaseRightOfUseAssetAtCost_i01I_pn3n3_zqkuTKk7NOSh" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Property and equipment, at cost</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,407</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,407</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--FinanceLeaseRightOfUseAssetAccumulatedDepreciation_i01NI_pn3n3_di_zoy05RWIh1Ld" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Less: Accumulated depreciation</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(3,301</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(2,348</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40A_ecustom--FinanceLeaseRightOfUseAsset1_i01I_pn3n3_zY3XoZ3THaO3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left; padding-bottom: 2.5pt">Property and equipment, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">106</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,059</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_ecustom--FinanceLeaseLiability1_iNI_di_zhqidnwemvSa" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Finance lease liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(177</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(1,124</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_40A_eus-gaap--OperatingLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_z3v56uWWRcVk" 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_401_eus-gaap--FinanceLeaseWeightedAverageDiscountRatePercent_iI_pip0_dp_zy0PFcJwCdl5" 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">6.5%</td><td style="text-align: left"> </td></tr> </table> 28397000 25819000 -22613000 -17624000 5784000 8195000 6234000 9058000 3407000 3407000 3301000 2348000 106000 1059000 177000 1124000 0.050 0.050 0.065 0.065 <table cellpadding="0" cellspacing="0" id="xdx_883_ecustom--LesseeOperatingAndFinanceLeaseLiablityMaturityTableTextBlock_pn3n3_z4WS2R010rk4" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (10) Commitments and Contingencies (Details - Maturities of lease liabilities)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B7_zDfcsTpthco4" style="display: none">Maturities of leases</span></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="font-weight: bold">Maturities of lease liabilities were as follows:</td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td>(In thousands)</td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Operating</td><td style="font-weight: bold"> </td><td style="font-weight: bold"> </td> <td colspan="2" style="font-weight: bold; text-align: center">Finance</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt">Year Ending December 31,</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">Lease</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">Lease</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: 68%">2023</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="width: 13%; text-align: right" title="Operating lease maturing 2023">4,378</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--FinanceLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pn3n3_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zj85k3aoNIDl" style="width: 13%; text-align: right" title="Finance lease maturing 2023">147</td><td style="width: 1%; 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_980_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="text-align: right" title="Operating lease maturing 2024">1,544</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearTwo_iI_pn3n3_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zCvBREUYWH89" 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>2025</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearThree_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="text-align: right" title="Operating lease maturing 2025">794</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearThree_iI_pn3n3_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zaC67M31yVRa" style="text-align: right" title="Finance lease maturing 2025">9</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFour_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="text-align: right" title="Operating lease maturing 2026">501</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFour_iI_pn3n3_d0_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_ztoY1MOxetKl" style="text-align: right" title="Finance lease maturing 2026">–</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>2027</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFive_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="text-align: right" title="Operating lease maturing 2027">509</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--FinanceLeaseLiabilityPaymentsDueYearFive_iI_pn3n3_d0_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zLFRqJDl5Izf" style="text-align: right" title="Finance lease maturing 2027">–</td><td style="text-align: left"> </td></tr> <tr 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 id="xdx_984_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Operating lease maturing thereafter">650</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--FinanceLeaseLiabilityPaymentsDueAfterYearFive_iI_pn3n3_d0_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_z9bmJiUFXzLl" style="border-bottom: Black 1pt solid; text-align: right" title="Finance lease maturing thereafter">–</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">Total undiscounted lease payments</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDue_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="text-align: right" title="Total undiscounted operating lease payments">8,376</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--FinanceLeaseLiabilityPaymentsDue_iI_pn3n3_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_z6jPVNsCAe9d" style="text-align: right" title="Total undiscounted finance lease payments">182</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <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_987_ecustom--OperatingLeasesFutureMinimumPaymentsDueInterest_iNI_pn3n3_di_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_z6aFmATX8VE2" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest">(2,142</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--LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_iNI_pn3n3_di_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zyIA5yZWGz21" style="border-bottom: Black 1pt solid; text-align: right" title="Less amounts representing interest">(5</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">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_98B_eus-gaap--OperatingLeaseLiability_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--OperatingLeaseMember_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Operating Lease Liability">6,234</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--FinanceLeaseLiability_iI_pn3n3_c20221231__us-gaap--PropertySubjectToOrAvailableForOperatingLeaseAxis__custom--FinanceLeaseMember_zhLIZ6AedY0g" style="border-bottom: Black 2.5pt double; text-align: right" title="Finance Lease Liability">177</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 4378000 147000 1544000 26000 794000 9000 501000 0 509000 0 650000 0 8376000 182000 2142000 5000 6234000 177000 <table cellpadding="0" cellspacing="0" id="xdx_88F_eus-gaap--LeaseCostTableTextBlock_pn3n3_zIGAsgzIkk1" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (10) Commitments and Contingencies (Details - Lease cost)"> <tr style="vertical-align: bottom"> <td style="text-align: left; padding-bottom: 1pt"><span id="xdx_8B0_zHQnHVESkE28" style="display: none">Schedule of lease cost</span></td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td id="xdx_493_20220101__20221231_zCHv6AubgP4i" style="text-align: center"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td id="xdx_49E_20210101__20211231_z6hdHelMZVs1" style="text-align: center"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left"> </td><td id="xdx_49E_20200101__20201231_ze9cPKYRqC4b" style="text-align: center"> </td><td style="padding-bottom: 1pt; 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">2022</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">2021</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">2020</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_401_eus-gaap--OperatingLeaseCost_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 52%; text-align: left">Operating lease cost</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">6,650</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">7,184</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">7,523</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_404_ecustom--FinanceLeaseCost_i_pn3n3" 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">987</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">1,229</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">1,179</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--LeaseCost_i_pn3n3" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,637</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">8,413</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">8,702</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 6650000 7184000 7523000 987000 1229000 1179000 7637000 8413000 8702000 <table cellpadding="0" cellspacing="0" id="xdx_88C_eus-gaap--ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock_pn3n3_zD4pZm2OGzZ4" 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"> <td style="font-weight: bold"><span id="xdx_8B2_zKJZbLpImI2e" style="display: none">Supplemental cash flow information related to leases</span></td><td> </td> <td colspan="2" id="xdx_49C_20220101__20221231_zaRKejhoN2D2" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" id="xdx_498_20210101__20211231_zA90L3GYOTXc" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" id="xdx_49D_20200101__20201231_znJhsYtkmRZ4" style="text-align: center"> </td><td> </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">2022</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">2021</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">2020</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_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"> </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: 52%; text-align: left">Operating cash flows from operating leases</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">7,056</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">7,474</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 13%; text-align: right">7,762</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">948</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,118</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,007</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">40</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">111</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></tr> </table> 7056000 7474000 7762000 948000 1118000 1007000 40000 111000 172000 4900000 11200000 <p id="xdx_80C_eus-gaap--CompensationAndEmployeeBenefitPlansTextBlock_zwvV2ZSZPXE2" style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"><i>(11) <span>Employee Benefits</span></i></p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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 $<span id="xdx_90D_ecustom--EmployeesContributions_pp0p0_c20220101__20221231_zwJjE9dcauW7" title="Employees contributions">2,000</span> per employee per calendar year. Our matching contributions to the 401(k) Plan were $<span id="xdx_90B_eus-gaap--PensionAndOtherPostretirementBenefitContributions_dm_c20220101__20221231_zccmbA2YRPd6" title="401(k) plan contributions">1.3 million</span>, $<span id="xdx_909_eus-gaap--PensionAndOtherPostretirementBenefitContributions_dm_c20210101__20211231_zeqc0S8dqY57" title="401(k) plan contributions">1.3 million</span>, and $<span id="xdx_903_eus-gaap--PensionAndOtherPostretirementBenefitContributions_dm_c20200101__20201231_zTIxJniFUtUd" title="401(k) plan contributions">1.4 million</span> respectively, for the years ended December 31, 2022, 2021 and 2020.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">We also sponsor a defined benefit plan, the MFN Financial Corporation Pension Plan (the “Plan”). The Plan benefits were frozen on June 30, 2001.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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, 2022 and 2021: </p> <table cellpadding="0" cellspacing="0" id="xdx_88F_eus-gaap--ScheduleOfChangesInProjectedBenefitObligationsTableTextBlock_pn3n3_z8f2WkfyF74f" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (11) Employee Benefits (Details - Reconciliation)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8BD_zK7QarK8HFmb" style="display: none">Schedule of reconciliation of the change in the plan's benefit obligations</span></td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center"> </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 style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</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">2021</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="font-weight: bold; text-align: left">Change in Projected Benefit Obligation</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: 68%; text-align: left">Projected benefit obligation, beginning of year</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--DefinedBenefitPlanBenefitObligation_iS_pn3n3_c20211231_z4KdLgGDCNJ9" style="width: 13%; text-align: right" title="Projected benefit obligation, beginning of year">22,280</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--DefinedBenefitPlanBenefitObligation_iS_pn3n3_c20201231_zsJ7afz18Nkj" style="width: 13%; text-align: right" title="Projected benefit obligation, beginning of year">24,678</td><td style="width: 1%; text-align: left"> </td></tr> <tr 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 id="xdx_983_ecustom--DefinedBenefitPlanInterestCost1_pn3n3_c20220101__20221231_z4CPdDMLZfUc" style="text-align: right" title="Projected benefit obligation, beginning of year">579</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--DefinedBenefitPlanInterestCost1_pn3n3_c20210101__20211231_zP1e4T0hfgCi" style="text-align: right" title="Projected benefit obligation, beginning of year">553</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Assumption changes</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanPlanAmendments_c20220101__20221231_pn3n3" style="text-align: right" title="Assumption changes">(5,450</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanPlanAmendments_pn3n3_c20210101__20211231_z2hApcobiap5" style="text-align: right" title="Assumption changes">(1,074</td><td style="text-align: left">)</td></tr> <tr 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 id="xdx_986_eus-gaap--DefinedBenefitPlanActuarialGainLoss_c20220101__20221231_pn3n3" style="text-align: right" title="Actuarial (gain) loss">85</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanActuarialGainLoss_c20210101__20211231_pn3n3" style="text-align: right" title="Actuarial (gain) loss">(222</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>Settlements</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanSettlementsBenefitObligation_c20220101__20221231_pn3n3" style="text-align: right" title="Settlements">(716</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanSettlementsBenefitObligation_c20210101__20211231_pn3n3" style="text-align: right" title="Settlements">(865</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">Benefits paid</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanBenefitObligationBenefitsPaid_iN_pn3n3_di_c20220101__20221231_zJKcmt9vgF93" style="border-bottom: Black 1pt solid; text-align: right" title="Benefits paid">(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 id="xdx_98C_eus-gaap--DefinedBenefitPlanBenefitObligationBenefitsPaid_iN_pn3n3_di_c20210101__20211231_zlgd3roj4lJ8" style="border-bottom: Black 1pt solid; text-align: right" title="Benefits paid">(790</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">Projected benefit obligation, end of year</td><td> </td> <td style="text-align: left">$</td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanBenefitObligation_iE_pn3n3_c20221231_zzMHEilUslx" style="text-align: right" title="Projected benefit obligation, end of year">15,952</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_986_eus-gaap--DefinedBenefitPlanBenefitObligation_iE_pn3n3_c20211231_z4w5lVW5Mvf" style="text-align: right" title="Projected benefit obligation, end of year">22,280</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Change in Plan Assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Fair value of plan assets, beginning of year</td><td> </td> <td style="text-align: left">$</td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iS_pn3n3_c20211231_zlDOj7siJ2c1" style="text-align: right" title="Fair value of plan assets, beginning of year">26,098</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iS_pn3n3_c20201231_zdRHKHBV5Qj1" style="text-align: right" title="Fair value of plan assets, beginning of year">18,165</td><td style="text-align: left"> </td></tr> <tr 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 id="xdx_986_eus-gaap--DefinedBenefitPlanActualReturnOnPlanAssets_c20220101__20221231_pn3n3" style="text-align: right" title="Return on assets">(5,702</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanActualReturnOnPlanAssets_c20210101__20211231_pn3n3" style="text-align: right" title="Return on assets">8,703</td><td style="text-align: left"> </td></tr> <tr 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 id="xdx_981_eus-gaap--DefinedBenefitPlanContributionsByEmployer_pn3n3_d0_c20220101__20221231_z6pMh84nYdSi" style="text-align: right" title="Employer contribution">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanContributionsByEmployer_c20210101__20211231_pn3n3" style="text-align: right" title="Employer contribution">1,124</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>Expenses</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--DefinedBenefitPlanAdministrationExpenses_iN_pn3n3_di_c20220101__20221231_zC85kVZUdTUj" style="text-align: right" title="Expenses">(86</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanAdministrationExpenses_iN_pn3n3_di_c20210101__20211231_zuCpo9ySgeD7" style="text-align: right" title="Expenses">(239</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>Settlements</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanSettlementsPlanAssets_iN_pn3n3_di_c20220101__20221231_zRZYtI9hzsWc" style="text-align: right" title="Settlements">(716</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanSettlementsPlanAssets_iN_pn3n3_di_c20210101__20211231_zj2vusYaS0Kh" style="text-align: right" title="Settlements">(865</td><td style="text-align: left">)</td></tr> <tr 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 id="xdx_986_eus-gaap--DefinedBenefitPlanPlanAssetsBenefitsPaid_iN_pn3n3_di_c20220101__20221231_zQng2Ko9d6oi" style="border-bottom: Black 1pt solid; text-align: right" title="Benefits paid">(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 id="xdx_98B_eus-gaap--DefinedBenefitPlanPlanAssetsBenefitsPaid_iN_pn3n3_di_c20210101__20211231_z9qXu013VZoe" style="border-bottom: Black 1pt solid; text-align: right" title="Benefits paid">(790</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; text-align: left">Fair value of plan assets, end of year</td><td> </td> <td style="text-align: left">$</td><td id="xdx_989_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iE_pn3n3_c20221231_za9oinakmta" style="text-align: right" title="Fair value of plan assets, end of year">18,768</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iE_pn3n3_c20211231_zfdL7DXp2EY2" style="text-align: right" title="Fair value of plan assets, end of year">26,098</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Funded Status at end of year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanFundedStatusOfPlan_c20221231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Funded Status at end of year">2,816</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--DefinedBenefitPlanFundedStatusOfPlan_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Funded Status at end of year">3,818</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in"><b><i>Additional Information</i></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">Weighted average assumptions used to determine benefit obligations and cost at December 31, 2022 and 2021 were as follows: </p> <table cellpadding="0" cellspacing="0" id="xdx_88E_eus-gaap--ScheduleOfAssumptionsUsedTableTextBlock_zZrVkaMHB984" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (11) Employee Benefits (Details - Weighted average assumptions)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B6_zsNnPofvTLic" style="display: none">Schedule of weighted average assumptions used to determine pension benefit obligations</span></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">2022</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">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Weighted average assumptions used to determine benefit obligations</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: 68%; text-align: left">Discount rate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: right"><span id="xdx_90C_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate_iI_pip0_dp_c20221231_zaoey0qkIs84" title="Discount rate">4.87</span>%</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: right"><span id="xdx_90E_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate_iI_pip0_dp_c20211231_zb9t1g7pwt04" title="Discount rate">2.65</span>%</td><td style="width: 1%; 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 style="vertical-align: bottom; background-color: White"> <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 style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Discount rate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90D_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate_pip0_dp_c20220101__20221231_zqqSnARBBOV3" title="Discount rate">2.65</span>%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90B_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate_pip0_dp_c20210101__20211231_zaFi7WRVxwk2" title="Discount rate">2.28</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Expected return on plan assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_900_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets_pip0_dp_c20220101__20221231_zhdIO2Z4Ug0g" title="Expected return on plan assets">7.25</span>%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_908_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets_pip0_dp_c20210101__20211231_zeMtdbrQv9le" title="Expected return on plan assets">7.25</span>%</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">  </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">Our overall expected long-term rate of return on assets is <span id="xdx_90C_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets_pip0_dp_c20220101__20221231_zbC9sPjsDk5l">7.25</span>% per annum as of December 31, 2022. 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. </p> <table cellpadding="0" cellspacing="0" id="xdx_885_eus-gaap--ScheduleOfNetBenefitCostsTableTextBlock_pn3n3_znSPb4htRY3l" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (11) Employee Benefits (Details - Amounts recognized)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B3_z59zjWG5kz93" style="display: none">Schedule of components of net periodic benefit cost</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20220101__20221231_zZ7ZUrP2LXti" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20210101__20211231_z7ultq8EVhfl" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20200101__20201231_zn92yHjsQJ83" 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">2022</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">2021</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">2020</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; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Amounts recognized on Consolidated Balance Sheet</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="width: 58%; text-align: left">Other assets</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanAssetsForPlanBenefitsNoncurrent_iI_pn3n3_c20221231_zbaevcFWExYf" style="width: 11%; text-align: right" title="Other assets">2,816</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--DefinedBenefitPlanAssetsForPlanBenefitsNoncurrent_iI_pn3n3_c20211231_zMWkSRmtFwJ3" style="width: 11%; text-align: right" title="Other assets">3,818</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--DefinedBenefitPlanAssetsForPlanBenefitsNoncurrent_iI_pn3n3_d0_c20201231_zdQUHgO5e6y8" style="width: 11%; text-align: right" title="Other assets">–</td><td style="width: 1%; 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 liabilities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--PensionAndOtherPostretirementDefinedBenefitPlansLiabilitiesCurrentAndNoncurrent_iNI_pn3n3_di0_c20221231_znTspgnotVq" style="border-bottom: Black 1pt solid; text-align: right" title="Other liabilities">–</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--PensionAndOtherPostretirementDefinedBenefitPlansLiabilitiesCurrentAndNoncurrent_iNI_pn3n3_di0_c20211231_zuA9oKmjTCj5" style="border-bottom: Black 1pt solid; text-align: right" title="Other liabilities">–</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--PensionAndOtherPostretirementDefinedBenefitPlansLiabilitiesCurrentAndNoncurrent_iNI_pn3n3_di_c20201231_zMv6AsuhZ02j" style="border-bottom: Black 1pt solid; text-align: right" title="Other liabilities">(6,513</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">$</td><td id="xdx_98C_eus-gaap--DefinedBenefitPlanAmountsRecognizedInBalanceSheet_iNI_pn3n3_di_c20221231_zpx6885bHVFk" style="border-bottom: Black 2.5pt double; text-align: right" title="Net amount recognized">2,816</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanAmountsRecognizedInBalanceSheet_iNI_pn3n3_di_c20211231_zeVlFejiblfi" style="border-bottom: Black 2.5pt double; text-align: right" title="Net amount recognized">3,818</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">$</td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanAmountsRecognizedInBalanceSheet_iNI_pn3n3_di_c20201231_zfniGgeJGtQf" style="border-bottom: Black 2.5pt double; text-align: right" title="Net amount recognized">(6,513</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract_iB" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Amounts recognized in accumulated other comprehensive loss consists of:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Net loss</td><td> </td> <td style="text-align: left">$</td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax_iI_pn3n3_c20221231_zyFLN298jr65" style="text-align: right" title="Net loss">5,716</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_987_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax_iI_pn3n3_c20211231_zXMjk1bAWPXh" style="text-align: right" title="Net loss">3,794</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax_iI_pn3n3_c20201231_z6LpPgTPvaSg" style="text-align: right" title="Net loss">13,297</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <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_98C_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsBeforeTax_iI_pn3n3_d0_c20221231_zThmlSaNQnq8" 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_98E_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsBeforeTax_iI_pn3n3_d0_c20211231_zk0P4xA2LG22" 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_980_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsBeforeTax_iI_pn3n3_d0_c20201231_z7OqrNyBPwkl" 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: 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">$</td><td id="xdx_986_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax_iI_pn3n3_c20221231_zTpWYPLsbcs7" style="border-bottom: Black 2.5pt double; text-align: right" title="Net amount recognized">5,716</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax_iI_pn3n3_c20211231_zznSRe3ocodk" style="border-bottom: Black 2.5pt double; text-align: right" title="Net amount recognized">3,794</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">$</td><td id="xdx_982_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax_iI_pn3n3_c20201231_zTzsP2yKWSE7" style="border-bottom: Black 2.5pt double; text-align: right" title="Net amount recognized">13,297</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DefinedBenefitPlanNetPeriodicBenefitCostAbstract_iB" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Components of net periodic benefit cost</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_ecustom--DefinedBenefitPlanInterestCost1_zpc5BA7SFTHg" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Interest cost</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">579</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">553</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">693</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_ecustom--DefinedBenefitPlanExpectedReturnOnPlanAssets1_i01N_pn3n3_di_ziggZcpzr7Id" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Expected return on assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,860</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,301</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,150</td><td style="text-align: left">)</td></tr> <tr id="xdx_405_ecustom--DefinedBenefitPlanAmortizationOfTransitionAssetObligation1_i01_pn3n3_d0_zUCr5Szkhdzg" style="vertical-align: bottom; background-color: White"> <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_40A_ecustom--DefinedBenefitPlanAmortizationOfGainsLosses1_i01_pn3n3_zMhLMUZH8TR7" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <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">105</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">896</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">839</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_406_ecustom--DefinedBenefitPlanOtherCosts1_i01_pn3n3_zrWcY0hGkPld" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Net periodic benefit cost</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,176</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">148</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">382</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_ecustom--DefinedBenefitPlanSettlementGainLoss_i01N_pn3n3_di_zu5XfmfqHOne" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <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">256</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">(865</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"><span style="-sec-ix-hidden: xdx2ixbrl2166">–</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--DefinedBenefitPlanNetPeriodicBenefitCost_i01_pn3n3" 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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(920</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(717</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">382</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract_iB" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Benefit Obligation Recognized in Other Comprehensive Loss (Income)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossNetGainLossBeforeTax_i01_pn3n3_d0_zcPic1kQ5rte" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Net loss (gain)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,003</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(9,503</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">205</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax_i01_pn3n3_d0_zLsnP9G8v6Pb" style="vertical-align: bottom; background-color: White"> <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_40A_eus-gaap--DefinedBenefitPlanAmortizationOfPriorServiceCostCredit_i01_pn3n3_d0_zapApfO5eHo9" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <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_408_eus-gaap--AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,003</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(9,503</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">205</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The estimated net gain that will be amortized from accumulated other comprehensive income into net periodic benefit cost in 2023 is $<span id="xdx_90E_eus-gaap--AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax_iI_pp0p0_c20221231_zX1TuERpRP91" title="Estimated net loss amortized into net periodic benefit cost">169,000</span>.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The weighted average asset allocation of our pension benefits at December 31, 2022 and 2021 were as follows: </p> <table cellpadding="0" cellspacing="0" id="xdx_889_ecustom--WeightedAverageAssetAllocationOfOurPensionBenefitsTableTextBlock_pn3n3_zzIQsPgrTmYa" 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"> <td style="text-align: left"><span id="xdx_8B4_zU2noZirHnB2" style="display: none">Schedule of weighted average asset allocation of our pension benefits</span></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">2022</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">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Weighted Average Asset Allocation at Year-End</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="font-weight: bold; text-align: left">Asset Category</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: 68%; text-align: left">Equity securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: right"><span id="xdx_909_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--EquitySecuritiesMember_zWwoKyjxZ8cc" title="Weighted Average Asset Allocation at Year-End">87</span>%</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: right"><span id="xdx_90F_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_iI_pip0_dp_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--EquitySecuritiesMember_zjON1kGqM925" title="Weighted Average Asset Allocation at Year-End">78</span>%</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 style="text-align: right"><span id="xdx_909_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z02wCHSII4Mj" title="Weighted Average Asset Allocation at Year-End">13</span>%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_909_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_iI_pip0_dp_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zqooy0AvakQb" title="Weighted Average Asset Allocation at Year-End">22</span>%</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 style="border-bottom: Black 1pt solid; text-align: right"><span id="xdx_900_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_iI_pip0_dp_c20221231__us-gaap--InvestmentTypeAxis__us-gaap--CashAndCashEquivalentsMember_zqqbhvmmjEk7" title="Weighted Average Asset Allocation at Year-End">0</span>%</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"><span id="xdx_90A_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_iI_pip0_dp_c20211231__us-gaap--InvestmentTypeAxis__us-gaap--CashAndCashEquivalentsMember_zh8Xpdy69dW5" title="Weighted Average Asset Allocation at Year-End">0</span>%</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 style="border-bottom: Black 2.5pt double; text-align: right"><span id="xdx_905_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_iI_pip0_dp_c20221231_zLagQLmNVTId" title="Weighted Average Asset Allocation at Year-End">100</span>%</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"><span id="xdx_909_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_iI_pip0_dp_c20211231_zYaPS3NXE8bg" title="Weighted Average Asset Allocation at Year-End">100</span>%</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: bold 10pt Times New Roman, Times, Serif; text-align: left; margin-top: 0pt; margin-bottom: 0pt">Cash Flows </p> <table cellpadding="0" cellspacing="0" id="xdx_881_eus-gaap--ScheduleOfExpectedBenefitPaymentsTableTextBlock_pn3n3_ziGo4bXvu293" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (11) Employee Benefits (Details - Estimated future benefit payments)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B3_zq165NN1G7Yg" style="display: none">Schedule of estimated Future Benefit Payments</span></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; 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 style="vertical-align: bottom; background-color: White"> <td style="width: 84%; text-align: left">2023</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths_c20221231_pn3n3" style="width: 13%; text-align: right" title="2023">990</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2024</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo_c20221231_pn3n3" style="text-align: right" title="2024">1,329</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2025</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree_c20221231_pn3n3" style="text-align: right" title="2025">1,315</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour_c20221231_pn3n3" style="text-align: right" title="2026">1,392</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2027</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive_c20221231_pn3n3" style="text-align: right" title="2027">1,265</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>Years 2028 - 2032</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter_c20221231_pn3n3" style="text-align: right" title="Years 2028 - 2032">5,954</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></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Anticipated Contributions in 2023</td><td> </td> <td style="text-align: left">$</td><td id="xdx_98C_eus-gaap--DefinedBenefitPlanExpectedFutureEmployerContributionsNextFiscalYear_iI_pn3n3_d0_c20221231_z6kjDXLlSg27" style="text-align: right" title="Anticipated Contributions in 2023">–</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"><span style="font-weight: normal">The fair value of plan assets at December 31, 2022 and 2021, by asset category, is as follows: </span></p> <table cellpadding="0" cellspacing="0" id="xdx_894_eus-gaap--ScheduleOfChangesInFairValueOfPlanAssetsTableTextBlock_pn3n3_zhGxyXFtDR7d" 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"> <td style="text-align: left"><span id="xdx_8BD_z2C0jgyV5Kvi" style="display: none">Schedule of fair value of plan assets</span></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, 2022</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: 36%; text-align: left">Company Common Stock</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20221231__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zxDB3SUrbAWf" style="width: 13%; text-align: right" title="Fair value of plan assets">7,848</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zH4sLO31Oe8c" style="width: 13%; text-align: right" title="Fair value of plan assets">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zrhTU2ADUpyh" style="width: 13%; text-align: right" title="Fair value of plan assets">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20221231__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember_pn3n3" style="width: 13%; text-align: right" title="Fair value of plan assets">7,848</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_98D_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zIPlUWr0anUf" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zHLOW2YEwrP1" style="text-align: right" title="Fair value of plan assets">2,037</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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zzrSD9CEk6e8" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember_pn3n3" style="text-align: right" title="Fair value of plan assets">2,037</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_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zDapwtc9KKz9" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zmeW32WUqdlk" style="text-align: right" title="Fair value of plan assets">594</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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zjKuzdCTlNi8" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember_pn3n3" style="text-align: right" title="Fair value of plan assets">594</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_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_z8Iu8wcjunli" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zB8vSED2qAq4" style="text-align: right" title="Fair value of plan assets">546</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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zMvDJgTwSfRi" 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_984_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20221231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember_pn3n3" style="text-align: right" title="Fair value of plan assets">546</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_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zamhldn6GzL9" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zSU5kjvL5MI9" style="text-align: right" title="Fair value of plan assets">588</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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zreJpuEGt5Yb" 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_98F_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20221231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember_pn3n3" style="text-align: right" title="Fair value of plan assets">588</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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_z8zwFZiFPgWg" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zMCFua06AT9k" style="text-align: right" title="Fair value of plan assets">560</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zRsnDWA97d84" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember_pn3n3" style="text-align: right" title="Fair value of plan assets">560</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_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zvKlEZXLbEii" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zT2xN7cLkjDj" style="text-align: right" title="Fair value of plan assets">1,843</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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zGZ6ewddiL79" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember_pn3n3" style="text-align: right" title="Fair value of plan assets">1,843</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_984_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_z5GYltNTQva7" 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_984_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20221231__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zOC0OQohVLr8" style="text-align: right" title="Fair value of plan assets">2,251</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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zk211FMCtaf2" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember_pn3n3" style="text-align: right" title="Fair value of plan assets">2,251</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_986_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zCTayda3hprj" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zB0glZgHWrLj" style="text-align: right" title="Fair value of plan assets">1,658</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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zGcZzYKmLua8" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember_pn3n3" style="text-align: right" title="Fair value of plan assets">1,658</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_983_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zbSor0cdtCTl" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_z0KyUy5EtrZ2" style="text-align: right" title="Fair value of plan assets">347</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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zzscdW3qwtfa" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember_pn3n3" style="text-align: right" title="Fair value of plan assets">347</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_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zlzuCDJ06uaf" 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_984_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20221231__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zdM3bd3x4QL5" style="text-align: right" title="Fair value of plan assets">433</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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zpwzeC5BM9Lf" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember_pn3n3" style="text-align: right" title="Fair value of plan assets">433</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_986_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zMRLluRuCIJ2" 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_iI_pn3n3_c20221231__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_z9Tu3V82xwB3" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of plan assets">63</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--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zKqZ0ciBSUQj" 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_984_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20221231__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of plan assets">63</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_987_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zXtT71fTrl8b" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">7,848</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">$</td><td id="xdx_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zIkTm3cXO2cd" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">10,920</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_z1aEtjjljqI5" 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_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20221231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">18,768</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <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, 2021</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: 36%; text-align: left">Company Common Stock</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20211231__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_z8IYvk5joGI7" style="width: 13%; text-align: right" title="Fair value of plan assets">10,472</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zVi3ECwdLPX2" style="width: 13%; text-align: right" title="Fair value of plan assets">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zGYUZyMEzjq9" style="width: 13%; text-align: right" title="Fair value of plan assets">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20211231__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember_pn3n3" style="width: 13%; text-align: right" title="Fair value of plan assets">10,472</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_987_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_z4WtPcFMWjng" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zzENPSHgko1b" style="text-align: right" title="Fair value of plan assets">2,933</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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zVi0gcMqgskf" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember_pn3n3" style="text-align: right" title="Fair value of plan assets">2,933</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_98D_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zRrPtQGQXXVb" 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_iI_pn3n3_c20211231__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zqP2x8Znsz41" style="text-align: right" title="Fair value of plan assets">836</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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_z2rvgT9qiot3" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember_pn3n3" style="text-align: right" title="Fair value of plan assets">836</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_98A_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_z8PxvQWHqe97" 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_iI_pn3n3_c20211231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zpTcBLSW6PE1" style="text-align: right" title="Fair value of plan assets">714</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zXI9Q3Ss4pMb" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember_pn3n3" style="text-align: right" title="Fair value of plan assets">714</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_986_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zkhpYlQmnda" 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_iI_pn3n3_c20211231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_z5WH4q6IheV5" style="text-align: right" title="Fair value of plan assets">868</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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zOJy45DXKnKl" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember_pn3n3" style="text-align: right" title="Fair value of plan assets">868</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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zYLSbmmCuwO5" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_z8vCjGRsf4Vd" style="text-align: right" title="Fair value of plan assets">859</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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zEygyCi9prf9" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember_pn3n3" style="text-align: right" title="Fair value of plan assets">859</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_989_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zD7k9HnAuTj9" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zG1M8Iwx9z35" style="text-align: right" title="Fair value of plan assets">2,915</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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zcrNG5pvkKld" 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_984_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20211231__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember_pn3n3" style="text-align: right" title="Fair value of plan assets">2,915</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_988_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zwbLATdBJWRa" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zgZ3Fc8bQ28j" style="text-align: right" title="Fair value of plan assets">3,036</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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zKFo1EIRhOY7" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember_pn3n3" style="text-align: right" title="Fair value of plan assets">3,036</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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zkXvfaYqCesh" 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_984_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20211231__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_znx1OodHVdTl" style="text-align: right" title="Fair value of plan assets">2,316</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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zrxv1vx3qXNk" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember_pn3n3" style="text-align: right" title="Fair value of plan assets">2,316</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_98A_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zkoV6XtE7Osb" 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_989_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20211231__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zfD6a3UxO2T" style="text-align: right" title="Fair value of plan assets">473</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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zchcRaiDCu85" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember_pn3n3" style="text-align: right" title="Fair value of plan assets">473</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_981_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zjXqYNe49dv7" 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_iI_pn3n3_c20211231__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zy1QGArBrWHa" style="text-align: right" title="Fair value of plan assets">641</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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_z9IOosk18gi4" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember_pn3n3" style="text-align: right" title="Fair value of plan assets">641</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_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zTJPIn5yHEj9" 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_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20211231__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_ztEYCsTVf2i5" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of plan assets">35</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--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zkH2Z9HunMjb" 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_985_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20211231__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of plan assets">35</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_986_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zE9i2Rk5dqDe" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">10,472</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">$</td><td id="xdx_984_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zzfD8ZrG1Mp6" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">15,626</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zqDg4xbEuhHg" 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_iI_pn3n3_c20211231_zO6uPJm5YzI8" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">26,098</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p id="xdx_8A1_zPsROiupyVni" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><i>________________________</i></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <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"><i id="xdx_F0D_zXUAYN6XkHg7">(1)</i></td><td><i id="xdx_F1E_zIcKscPE2yF5">Company common stock is classified as level 1 and valued using quoted prices in active markets for identical assets. </i></td></tr> <tr style="vertical-align: top"> <td style="width: 22.5pt"/><td style="width: 18pt"><i id="xdx_F02_zdysWEiWyZ1l">(2)</i></td><td><i id="xdx_F1C_zUJkhOeRGTOl">All other plan assets in stock, bond and money market funds are classified as level 2 and valued using significant observable inputs.</i></td></tr> <tr style="vertical-align: top"> <td style="width: 22.5pt"/><td style="width: 18pt"><i id="xdx_F07_zqVSQOygfng3">(3)</i></td><td><i id="xdx_F10_zma6eFt9JrFd">There are no plan assets classified as level 3 in the fair value hierarchy as a result of having significant unobservable inputs. </i></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"> </p> 2000 1300000 1300000 1400000 <table cellpadding="0" cellspacing="0" id="xdx_88F_eus-gaap--ScheduleOfChangesInProjectedBenefitObligationsTableTextBlock_pn3n3_z8f2WkfyF74f" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (11) Employee Benefits (Details - Reconciliation)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8BD_zK7QarK8HFmb" style="display: none">Schedule of reconciliation of the change in the plan's benefit obligations</span></td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center"> </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 style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</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">2021</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="font-weight: bold; text-align: left">Change in Projected Benefit Obligation</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: 68%; text-align: left">Projected benefit obligation, beginning of year</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--DefinedBenefitPlanBenefitObligation_iS_pn3n3_c20211231_z4KdLgGDCNJ9" style="width: 13%; text-align: right" title="Projected benefit obligation, beginning of year">22,280</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--DefinedBenefitPlanBenefitObligation_iS_pn3n3_c20201231_zsJ7afz18Nkj" style="width: 13%; text-align: right" title="Projected benefit obligation, beginning of year">24,678</td><td style="width: 1%; text-align: left"> </td></tr> <tr 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 id="xdx_983_ecustom--DefinedBenefitPlanInterestCost1_pn3n3_c20220101__20221231_z4CPdDMLZfUc" style="text-align: right" title="Projected benefit obligation, beginning of year">579</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--DefinedBenefitPlanInterestCost1_pn3n3_c20210101__20211231_zP1e4T0hfgCi" style="text-align: right" title="Projected benefit obligation, beginning of year">553</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Assumption changes</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanPlanAmendments_c20220101__20221231_pn3n3" style="text-align: right" title="Assumption changes">(5,450</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanPlanAmendments_pn3n3_c20210101__20211231_z2hApcobiap5" style="text-align: right" title="Assumption changes">(1,074</td><td style="text-align: left">)</td></tr> <tr 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 id="xdx_986_eus-gaap--DefinedBenefitPlanActuarialGainLoss_c20220101__20221231_pn3n3" style="text-align: right" title="Actuarial (gain) loss">85</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanActuarialGainLoss_c20210101__20211231_pn3n3" style="text-align: right" title="Actuarial (gain) loss">(222</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>Settlements</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanSettlementsBenefitObligation_c20220101__20221231_pn3n3" style="text-align: right" title="Settlements">(716</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanSettlementsBenefitObligation_c20210101__20211231_pn3n3" style="text-align: right" title="Settlements">(865</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">Benefits paid</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanBenefitObligationBenefitsPaid_iN_pn3n3_di_c20220101__20221231_zJKcmt9vgF93" style="border-bottom: Black 1pt solid; text-align: right" title="Benefits paid">(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 id="xdx_98C_eus-gaap--DefinedBenefitPlanBenefitObligationBenefitsPaid_iN_pn3n3_di_c20210101__20211231_zlgd3roj4lJ8" style="border-bottom: Black 1pt solid; text-align: right" title="Benefits paid">(790</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">Projected benefit obligation, end of year</td><td> </td> <td style="text-align: left">$</td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanBenefitObligation_iE_pn3n3_c20221231_zzMHEilUslx" style="text-align: right" title="Projected benefit obligation, end of year">15,952</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_986_eus-gaap--DefinedBenefitPlanBenefitObligation_iE_pn3n3_c20211231_z4w5lVW5Mvf" style="text-align: right" title="Projected benefit obligation, end of year">22,280</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Change in Plan Assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Fair value of plan assets, beginning of year</td><td> </td> <td style="text-align: left">$</td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iS_pn3n3_c20211231_zlDOj7siJ2c1" style="text-align: right" title="Fair value of plan assets, beginning of year">26,098</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iS_pn3n3_c20201231_zdRHKHBV5Qj1" style="text-align: right" title="Fair value of plan assets, beginning of year">18,165</td><td style="text-align: left"> </td></tr> <tr 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 id="xdx_986_eus-gaap--DefinedBenefitPlanActualReturnOnPlanAssets_c20220101__20221231_pn3n3" style="text-align: right" title="Return on assets">(5,702</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanActualReturnOnPlanAssets_c20210101__20211231_pn3n3" style="text-align: right" title="Return on assets">8,703</td><td style="text-align: left"> </td></tr> <tr 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 id="xdx_981_eus-gaap--DefinedBenefitPlanContributionsByEmployer_pn3n3_d0_c20220101__20221231_z6pMh84nYdSi" style="text-align: right" title="Employer contribution">–</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanContributionsByEmployer_c20210101__20211231_pn3n3" style="text-align: right" title="Employer contribution">1,124</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>Expenses</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--DefinedBenefitPlanAdministrationExpenses_iN_pn3n3_di_c20220101__20221231_zC85kVZUdTUj" style="text-align: right" title="Expenses">(86</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanAdministrationExpenses_iN_pn3n3_di_c20210101__20211231_zuCpo9ySgeD7" style="text-align: right" title="Expenses">(239</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>Settlements</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanSettlementsPlanAssets_iN_pn3n3_di_c20220101__20221231_zRZYtI9hzsWc" style="text-align: right" title="Settlements">(716</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanSettlementsPlanAssets_iN_pn3n3_di_c20210101__20211231_zj2vusYaS0Kh" style="text-align: right" title="Settlements">(865</td><td style="text-align: left">)</td></tr> <tr 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 id="xdx_986_eus-gaap--DefinedBenefitPlanPlanAssetsBenefitsPaid_iN_pn3n3_di_c20220101__20221231_zQng2Ko9d6oi" style="border-bottom: Black 1pt solid; text-align: right" title="Benefits paid">(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 id="xdx_98B_eus-gaap--DefinedBenefitPlanPlanAssetsBenefitsPaid_iN_pn3n3_di_c20210101__20211231_z9qXu013VZoe" style="border-bottom: Black 1pt solid; text-align: right" title="Benefits paid">(790</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; text-align: left">Fair value of plan assets, end of year</td><td> </td> <td style="text-align: left">$</td><td id="xdx_989_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iE_pn3n3_c20221231_za9oinakmta" style="text-align: right" title="Fair value of plan assets, end of year">18,768</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iE_pn3n3_c20211231_zfdL7DXp2EY2" style="text-align: right" title="Fair value of plan assets, end of year">26,098</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt">Funded Status at end of year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanFundedStatusOfPlan_c20221231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Funded Status at end of year">2,816</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--DefinedBenefitPlanFundedStatusOfPlan_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Funded Status at end of year">3,818</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 22280000 24678000 579000 553000 -5450000 -1074000 85000 -222000 -716000 -865000 826000 790000 15952000 22280000 26098000 18165000 -5702000 8703000 0 1124000 86000 239000 716000 865000 826000 790000 18768000 26098000 2816000 3818000 <table cellpadding="0" cellspacing="0" id="xdx_88E_eus-gaap--ScheduleOfAssumptionsUsedTableTextBlock_zZrVkaMHB984" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (11) Employee Benefits (Details - Weighted average assumptions)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B6_zsNnPofvTLic" style="display: none">Schedule of weighted average assumptions used to determine pension benefit obligations</span></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">2022</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">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Weighted average assumptions used to determine benefit obligations</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: 68%; text-align: left">Discount rate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: right"><span id="xdx_90C_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate_iI_pip0_dp_c20221231_zaoey0qkIs84" title="Discount rate">4.87</span>%</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: right"><span id="xdx_90E_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate_iI_pip0_dp_c20211231_zb9t1g7pwt04" title="Discount rate">2.65</span>%</td><td style="width: 1%; 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 style="vertical-align: bottom; background-color: White"> <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 style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Discount rate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90D_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate_pip0_dp_c20220101__20221231_zqqSnARBBOV3" title="Discount rate">2.65</span>%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_90B_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate_pip0_dp_c20210101__20211231_zaFi7WRVxwk2" title="Discount rate">2.28</span>%</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Expected return on plan assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_900_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets_pip0_dp_c20220101__20221231_zhdIO2Z4Ug0g" title="Expected return on plan assets">7.25</span>%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_908_eus-gaap--DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets_pip0_dp_c20210101__20211231_zeMtdbrQv9le" title="Expected return on plan assets">7.25</span>%</td><td style="text-align: left"> </td></tr> </table> 0.0487 0.0265 0.0265 0.0228 0.0725 0.0725 0.0725 <table cellpadding="0" cellspacing="0" id="xdx_885_eus-gaap--ScheduleOfNetBenefitCostsTableTextBlock_pn3n3_znSPb4htRY3l" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (11) Employee Benefits (Details - Amounts recognized)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B3_z59zjWG5kz93" style="display: none">Schedule of components of net periodic benefit cost</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20220101__20221231_zZ7ZUrP2LXti" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20210101__20211231_z7ultq8EVhfl" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20200101__20201231_zn92yHjsQJ83" 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">2022</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">2021</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">2020</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; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Amounts recognized on Consolidated Balance Sheet</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="width: 58%; text-align: left">Other assets</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanAssetsForPlanBenefitsNoncurrent_iI_pn3n3_c20221231_zbaevcFWExYf" style="width: 11%; text-align: right" title="Other assets">2,816</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--DefinedBenefitPlanAssetsForPlanBenefitsNoncurrent_iI_pn3n3_c20211231_zMWkSRmtFwJ3" style="width: 11%; text-align: right" title="Other assets">3,818</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--DefinedBenefitPlanAssetsForPlanBenefitsNoncurrent_iI_pn3n3_d0_c20201231_zdQUHgO5e6y8" style="width: 11%; text-align: right" title="Other assets">–</td><td style="width: 1%; 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 liabilities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--PensionAndOtherPostretirementDefinedBenefitPlansLiabilitiesCurrentAndNoncurrent_iNI_pn3n3_di0_c20221231_znTspgnotVq" style="border-bottom: Black 1pt solid; text-align: right" title="Other liabilities">–</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--PensionAndOtherPostretirementDefinedBenefitPlansLiabilitiesCurrentAndNoncurrent_iNI_pn3n3_di0_c20211231_zuA9oKmjTCj5" style="border-bottom: Black 1pt solid; text-align: right" title="Other liabilities">–</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--PensionAndOtherPostretirementDefinedBenefitPlansLiabilitiesCurrentAndNoncurrent_iNI_pn3n3_di_c20201231_zMv6AsuhZ02j" style="border-bottom: Black 1pt solid; text-align: right" title="Other liabilities">(6,513</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">$</td><td id="xdx_98C_eus-gaap--DefinedBenefitPlanAmountsRecognizedInBalanceSheet_iNI_pn3n3_di_c20221231_zpx6885bHVFk" style="border-bottom: Black 2.5pt double; text-align: right" title="Net amount recognized">2,816</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanAmountsRecognizedInBalanceSheet_iNI_pn3n3_di_c20211231_zeVlFejiblfi" style="border-bottom: Black 2.5pt double; text-align: right" title="Net amount recognized">3,818</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">$</td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanAmountsRecognizedInBalanceSheet_iNI_pn3n3_di_c20201231_zfniGgeJGtQf" style="border-bottom: Black 2.5pt double; text-align: right" title="Net amount recognized">(6,513</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeLossAfterTaxAbstract_iB" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Amounts recognized in accumulated other comprehensive loss consists of:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Net loss</td><td> </td> <td style="text-align: left">$</td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax_iI_pn3n3_c20221231_zyFLN298jr65" style="text-align: right" title="Net loss">5,716</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_987_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax_iI_pn3n3_c20211231_zXMjk1bAWPXh" style="text-align: right" title="Net loss">3,794</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax_iI_pn3n3_c20201231_z6LpPgTPvaSg" style="text-align: right" title="Net loss">13,297</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <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_98C_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsBeforeTax_iI_pn3n3_d0_c20221231_zThmlSaNQnq8" 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_98E_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsBeforeTax_iI_pn3n3_d0_c20211231_zk0P4xA2LG22" 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_980_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsBeforeTax_iI_pn3n3_d0_c20201231_z7OqrNyBPwkl" 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: 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">$</td><td id="xdx_986_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax_iI_pn3n3_c20221231_zTpWYPLsbcs7" style="border-bottom: Black 2.5pt double; text-align: right" title="Net amount recognized">5,716</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax_iI_pn3n3_c20211231_zznSRe3ocodk" style="border-bottom: Black 2.5pt double; text-align: right" title="Net amount recognized">3,794</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">$</td><td id="xdx_982_eus-gaap--DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax_iI_pn3n3_c20201231_zTzsP2yKWSE7" style="border-bottom: Black 2.5pt double; text-align: right" title="Net amount recognized">13,297</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DefinedBenefitPlanNetPeriodicBenefitCostAbstract_iB" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Components of net periodic benefit cost</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_ecustom--DefinedBenefitPlanInterestCost1_zpc5BA7SFTHg" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Interest cost</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">579</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">553</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">693</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_ecustom--DefinedBenefitPlanExpectedReturnOnPlanAssets1_i01N_pn3n3_di_ziggZcpzr7Id" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Expected return on assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,860</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,301</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,150</td><td style="text-align: left">)</td></tr> <tr id="xdx_405_ecustom--DefinedBenefitPlanAmortizationOfTransitionAssetObligation1_i01_pn3n3_d0_zUCr5Szkhdzg" style="vertical-align: bottom; background-color: White"> <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_40A_ecustom--DefinedBenefitPlanAmortizationOfGainsLosses1_i01_pn3n3_zMhLMUZH8TR7" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <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">105</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">896</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">839</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_406_ecustom--DefinedBenefitPlanOtherCosts1_i01_pn3n3_zrWcY0hGkPld" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Net periodic benefit cost</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,176</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">148</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">382</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_ecustom--DefinedBenefitPlanSettlementGainLoss_i01N_pn3n3_di_zu5XfmfqHOne" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <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">256</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">(865</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"><span style="-sec-ix-hidden: xdx2ixbrl2166">–</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--DefinedBenefitPlanNetPeriodicBenefitCost_i01_pn3n3" 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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(920</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(717</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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">382</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract_iB" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left">Benefit Obligation Recognized in Other Comprehensive Loss (Income)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossNetGainLossBeforeTax_i01_pn3n3_d0_zcPic1kQ5rte" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Net loss (gain)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1,003</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(9,503</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">205</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax_i01_pn3n3_d0_zLsnP9G8v6Pb" style="vertical-align: bottom; background-color: White"> <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_40A_eus-gaap--DefinedBenefitPlanAmortizationOfPriorServiceCostCredit_i01_pn3n3_d0_zapApfO5eHo9" style="vertical-align: bottom; background-color: rgb(238,238,238)"> <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_408_eus-gaap--AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <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">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,003</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">(9,503</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">205</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 2816000 3818000 0 -0 -0 6513000 -2816000 -3818000 6513000 5716000 3794000 13297000 0 0 0 5716000 3794000 13297000 579000 553000 693000 1860000 1301000 1150000 0 0 0 105000 896000 839000 -1176000 148000 382000 -256000 865000 -920000 -717000 382000 1003000 -9503000 205000 0 0 0 0 0 0 1003000 -9503000 205000 169000 <table cellpadding="0" cellspacing="0" id="xdx_889_ecustom--WeightedAverageAssetAllocationOfOurPensionBenefitsTableTextBlock_pn3n3_zzIQsPgrTmYa" 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"> <td style="text-align: left"><span id="xdx_8B4_zU2noZirHnB2" style="display: none">Schedule of weighted average asset allocation of our pension benefits</span></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">2022</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">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="font-weight: bold; text-align: left">Weighted Average Asset Allocation at Year-End</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="font-weight: bold; text-align: left">Asset Category</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: 68%; text-align: left">Equity securities</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: right"><span id="xdx_909_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--EquitySecuritiesMember_zWwoKyjxZ8cc" title="Weighted Average Asset Allocation at Year-End">87</span>%</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 13%; text-align: right"><span id="xdx_90F_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_iI_pip0_dp_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--EquitySecuritiesMember_zjON1kGqM925" title="Weighted Average Asset Allocation at Year-End">78</span>%</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 style="text-align: right"><span id="xdx_909_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_iI_pip0_dp_c20221231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_z02wCHSII4Mj" title="Weighted Average Asset Allocation at Year-End">13</span>%</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span id="xdx_909_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_iI_pip0_dp_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--DebtSecuritiesMember_zqooy0AvakQb" title="Weighted Average Asset Allocation at Year-End">22</span>%</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 style="border-bottom: Black 1pt solid; text-align: right"><span id="xdx_900_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_iI_pip0_dp_c20221231__us-gaap--InvestmentTypeAxis__us-gaap--CashAndCashEquivalentsMember_zqqbhvmmjEk7" title="Weighted Average Asset Allocation at Year-End">0</span>%</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"><span id="xdx_90A_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_iI_pip0_dp_c20211231__us-gaap--InvestmentTypeAxis__us-gaap--CashAndCashEquivalentsMember_zh8Xpdy69dW5" title="Weighted Average Asset Allocation at Year-End">0</span>%</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 style="border-bottom: Black 2.5pt double; text-align: right"><span id="xdx_905_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_iI_pip0_dp_c20221231_zLagQLmNVTId" title="Weighted Average Asset Allocation at Year-End">100</span>%</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"><span id="xdx_909_eus-gaap--DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_iI_pip0_dp_c20211231_zYaPS3NXE8bg" title="Weighted Average Asset Allocation at Year-End">100</span>%</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 0.87 0.78 0.13 0.22 0 0 1 1 <table cellpadding="0" cellspacing="0" id="xdx_881_eus-gaap--ScheduleOfExpectedBenefitPaymentsTableTextBlock_pn3n3_ziGo4bXvu293" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (11) Employee Benefits (Details - Estimated future benefit payments)"> <tr style="vertical-align: bottom"> <td style="text-align: left"><span id="xdx_8B3_zq165NN1G7Yg" style="display: none">Schedule of estimated Future Benefit Payments</span></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; 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 style="vertical-align: bottom; background-color: White"> <td style="width: 84%; text-align: left">2023</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths_c20221231_pn3n3" style="width: 13%; text-align: right" title="2023">990</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2024</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo_c20221231_pn3n3" style="text-align: right" title="2024">1,329</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2025</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree_c20221231_pn3n3" style="text-align: right" title="2025">1,315</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">2026</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour_c20221231_pn3n3" style="text-align: right" title="2026">1,392</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2027</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive_c20221231_pn3n3" style="text-align: right" title="2027">1,265</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td>Years 2028 - 2032</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter_c20221231_pn3n3" style="text-align: right" title="Years 2028 - 2032">5,954</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></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="text-align: left">Anticipated Contributions in 2023</td><td> </td> <td style="text-align: left">$</td><td id="xdx_98C_eus-gaap--DefinedBenefitPlanExpectedFutureEmployerContributionsNextFiscalYear_iI_pn3n3_d0_c20221231_z6kjDXLlSg27" style="text-align: right" title="Anticipated Contributions in 2023">–</td><td style="text-align: left"> </td></tr> </table> 990000 1329000 1315000 1392000 1265000 5954000 0 <table cellpadding="0" cellspacing="0" id="xdx_894_eus-gaap--ScheduleOfChangesInFairValueOfPlanAssetsTableTextBlock_pn3n3_zhGxyXFtDR7d" 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"> <td style="text-align: left"><span id="xdx_8BD_z2C0jgyV5Kvi" style="display: none">Schedule of fair value of plan assets</span></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, 2022</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: 36%; text-align: left">Company Common Stock</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20221231__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zxDB3SUrbAWf" style="width: 13%; text-align: right" title="Fair value of plan assets">7,848</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zH4sLO31Oe8c" style="width: 13%; text-align: right" title="Fair value of plan assets">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zrhTU2ADUpyh" style="width: 13%; text-align: right" title="Fair value of plan assets">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20221231__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember_pn3n3" style="width: 13%; text-align: right" title="Fair value of plan assets">7,848</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_98D_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zIPlUWr0anUf" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zHLOW2YEwrP1" style="text-align: right" title="Fair value of plan assets">2,037</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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zzrSD9CEk6e8" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember_pn3n3" style="text-align: right" title="Fair value of plan assets">2,037</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_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zDapwtc9KKz9" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zmeW32WUqdlk" style="text-align: right" title="Fair value of plan assets">594</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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zjKuzdCTlNi8" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember_pn3n3" style="text-align: right" title="Fair value of plan assets">594</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_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_z8Iu8wcjunli" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zB8vSED2qAq4" style="text-align: right" title="Fair value of plan assets">546</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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zMvDJgTwSfRi" 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_984_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20221231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember_pn3n3" style="text-align: right" title="Fair value of plan assets">546</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_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zamhldn6GzL9" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zSU5kjvL5MI9" style="text-align: right" title="Fair value of plan assets">588</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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zreJpuEGt5Yb" 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_98F_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20221231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember_pn3n3" style="text-align: right" title="Fair value of plan assets">588</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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_z8zwFZiFPgWg" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zMCFua06AT9k" style="text-align: right" title="Fair value of plan assets">560</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zRsnDWA97d84" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember_pn3n3" style="text-align: right" title="Fair value of plan assets">560</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_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zvKlEZXLbEii" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zT2xN7cLkjDj" style="text-align: right" title="Fair value of plan assets">1,843</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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zGZ6ewddiL79" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember_pn3n3" style="text-align: right" title="Fair value of plan assets">1,843</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_984_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_z5GYltNTQva7" 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_984_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20221231__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zOC0OQohVLr8" style="text-align: right" title="Fair value of plan assets">2,251</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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zk211FMCtaf2" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember_pn3n3" style="text-align: right" title="Fair value of plan assets">2,251</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_986_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zCTayda3hprj" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zB0glZgHWrLj" style="text-align: right" title="Fair value of plan assets">1,658</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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zGcZzYKmLua8" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember_pn3n3" style="text-align: right" title="Fair value of plan assets">1,658</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_983_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zbSor0cdtCTl" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_z0KyUy5EtrZ2" style="text-align: right" title="Fair value of plan assets">347</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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zzscdW3qwtfa" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember_pn3n3" style="text-align: right" title="Fair value of plan assets">347</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_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zlzuCDJ06uaf" 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_984_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20221231__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zdM3bd3x4QL5" style="text-align: right" title="Fair value of plan assets">433</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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zpwzeC5BM9Lf" 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_c20221231__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember_pn3n3" style="text-align: right" title="Fair value of plan assets">433</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_986_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zMRLluRuCIJ2" 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_iI_pn3n3_c20221231__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_z9Tu3V82xwB3" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of plan assets">63</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--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zKqZ0ciBSUQj" 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_984_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20221231__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of plan assets">63</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_987_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zXtT71fTrl8b" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">7,848</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">$</td><td id="xdx_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zIkTm3cXO2cd" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">10,920</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_z1aEtjjljqI5" 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_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20221231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">18,768</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <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, 2021</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: 36%; text-align: left">Company Common Stock</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20211231__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_z8IYvk5joGI7" style="width: 13%; text-align: right" title="Fair value of plan assets">10,472</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zVi3ECwdLPX2" style="width: 13%; text-align: right" title="Fair value of plan assets">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zGYUZyMEzjq9" style="width: 13%; text-align: right" title="Fair value of plan assets">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20211231__us-gaap--FairValueByAssetClassAxis__custom--CompanyCommonStockMember_pn3n3" style="width: 13%; text-align: right" title="Fair value of plan assets">10,472</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_987_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_z4WtPcFMWjng" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zzENPSHgko1b" style="text-align: right" title="Fair value of plan assets">2,933</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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zVi0gcMqgskf" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapValueMember_pn3n3" style="text-align: right" title="Fair value of plan assets">2,933</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_98D_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zRrPtQGQXXVb" 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_iI_pn3n3_c20211231__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zqP2x8Znsz41" style="text-align: right" title="Fair value of plan assets">836</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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_z2rvgT9qiot3" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--MidCapIndexMember_pn3n3" style="text-align: right" title="Fair value of plan assets">836</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_98A_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_z8PxvQWHqe97" 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_iI_pn3n3_c20211231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zpTcBLSW6PE1" style="text-align: right" title="Fair value of plan assets">714</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zXI9Q3Ss4pMb" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapGrowthMember_pn3n3" style="text-align: right" title="Fair value of plan assets">714</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_986_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zkhpYlQmnda" 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_iI_pn3n3_c20211231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_z5WH4q6IheV5" style="text-align: right" title="Fair value of plan assets">868</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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zOJy45DXKnKl" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--SmallCapValueMember_pn3n3" style="text-align: right" title="Fair value of plan assets">868</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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zYLSbmmCuwO5" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_z8vCjGRsf4Vd" style="text-align: right" title="Fair value of plan assets">859</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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zEygyCi9prf9" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--LargeCapBlendMember_pn3n3" style="text-align: right" title="Fair value of plan assets">859</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_989_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zD7k9HnAuTj9" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zG1M8Iwx9z35" style="text-align: right" title="Fair value of plan assets">2,915</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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zcrNG5pvkKld" 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_984_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20211231__us-gaap--FairValueByAssetClassAxis__custom--GrowthMember_pn3n3" style="text-align: right" title="Fair value of plan assets">2,915</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_988_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zwbLATdBJWRa" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zgZ3Fc8bQ28j" style="text-align: right" title="Fair value of plan assets">3,036</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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zKFo1EIRhOY7" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--InternationalGrowthMember_pn3n3" style="text-align: right" title="Fair value of plan assets">3,036</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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zkXvfaYqCesh" 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_984_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20211231__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_znx1OodHVdTl" style="text-align: right" title="Fair value of plan assets">2,316</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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zrxv1vx3qXNk" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--CoreBondMember_pn3n3" style="text-align: right" title="Fair value of plan assets">2,316</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_98A_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zkoV6XtE7Osb" 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_989_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20211231__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zfD6a3UxO2T" style="text-align: right" title="Fair value of plan assets">473</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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zchcRaiDCu85" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--HighYieldMember_pn3n3" style="text-align: right" title="Fair value of plan assets">473</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_981_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zjXqYNe49dv7" 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_iI_pn3n3_c20211231__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zy1QGArBrWHa" style="text-align: right" title="Fair value of plan assets">641</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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_z9IOosk18gi4" 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_c20211231__us-gaap--FairValueByAssetClassAxis__custom--InflationProtectedBondMember_pn3n3" style="text-align: right" title="Fair value of plan assets">641</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_98E_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zTJPIn5yHEj9" 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_98B_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20211231__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_ztEYCsTVf2i5" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of plan assets">35</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--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zkH2Z9HunMjb" 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_985_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_c20211231__us-gaap--FairValueByAssetClassAxis__custom--MoneyMarketMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Fair value of plan assets">35</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_986_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_fKDEp_zE9i2Rk5dqDe" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">10,472</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">$</td><td id="xdx_984_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_fKDIp_zzfD8ZrG1Mp6" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">15,626</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--DefinedBenefitPlanFairValueOfPlanAssets_iI_pn3n3_d0_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_fKDMp_zqDg4xbEuhHg" 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_iI_pn3n3_c20211231_zO6uPJm5YzI8" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value of plan assets">26,098</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> 7848000 0 0 7848000 0 2037000 0 2037000 0 594000 0 594000 0 546000 0 546000 0 588000 0 588000 0 560000 0 560000 0 1843000 0 1843000 0 2251000 0 2251000 0 1658000 0 1658000 0 347000 0 347000 0 433000 0 433000 0 63000 0 63000 7848000 10920000 0 18768000 10472000 0 0 10472000 0 2933000 0 2933000 0 836000 0 836000 0 714000 0 714000 0 868000 0 868000 0 859000 0 859000 0 2915000 0 2915000 0 3036000 0 3036000 0 2316000 0 2316000 0 473000 0 473000 0 641000 0 641000 0 35000 0 35000 10472000 15626000 0 26098000 <p id="xdx_806_eus-gaap--FairValueMeasurementInputsDisclosureTextBlock_zDdNZHlGIiha" style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"><i>(12) <span>Fair Value Measurements </span></i></p> <p style="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">The table below presents a reconciliation of the finance receivables measured at fair value on a recurring basis using significant unobservable inputs: </p> <table cellpadding="0" cellspacing="0" id="xdx_881_eus-gaap--FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_pn3n3_zaf8zahjVr3k" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (12) Fair Value Measurements (Details - Reconciliation of Finance Receivables)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8BB_z2bqt0ycVYk6" style="display: none">Schedule of reconciliation of the finance receivables measured at fair value on a recurring basis</span></td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center"> </td><td style="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">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 style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</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">2021</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: 68%">Balance at beginning of period</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20211231_zBhI6EjlvWUg" style="width: 13%; text-align: right" title="Balance at beginning of period">1,749,098</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20201231_zMO8iqG5uzAd" style="width: 13%; text-align: right" title="Balance at beginning of period">1,523,726</td><td style="width: 1%; text-align: left"> </td></tr> <tr 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 id="xdx_981_eus-gaap--PaymentsToAcquireFinanceReceivables_c20220101__20221231_pn3n3" style="text-align: right" title="Finance receivables at fair value acquired during period">1,673,166</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PaymentsToAcquireFinanceReceivables_c20210101__20211231_pn3n3" style="text-align: right" title="Finance receivables at fair value acquired during period">1,107,537</td><td style="text-align: left"> </td></tr> <tr 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 id="xdx_984_ecustom--PaymentsOnFinanceReceivablesAtFairValue_c20220101__20221231_pn3n3" style="text-align: right" title="Payments received on finance receivables at fair value">(825,783</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--PaymentsOnFinanceReceivablesAtFairValue_c20210101__20211231_pn3n3" style="text-align: right" title="Payments received on finance receivables at fair value">(743,728</td><td style="text-align: left">)</td></tr> <tr 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 id="xdx_98B_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_iN_pn3n3_di_c20220101__20221231_zY4R0Apa1wu3" style="text-align: right" title="Net interest income accretion on fair value receivables">(135,147</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_iN_pn3n3_di_c20210101__20211231_zbDEn8vrNMC4" style="text-align: right" title="Net interest income accretion on fair value receivables">(134,020</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">Mark to fair value</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_ecustom--MarkToFairValue_c20220101__20221231_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">15,283</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_ecustom--MarkToFairValue_c20210101__20211231_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">(4,417</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">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 id="xdx_987_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3_c20221231_zYCYPHZlyOBk" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">2,476,617</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_98B_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3_c20211231_zbSfUKduc8J3" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">1,749,098</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">The table below compares the fair values of these finance receivables to their contractual balances for the periods shown: </p> <table cellpadding="0" cellspacing="0" id="xdx_884_ecustom--ScheduleOfFinanceReceivablesToTheirContractualBalancesTableTextBlock_pn3n3_zbpCFhLZgI0b" style="font: 10pt Times New Roman, Times, Serif; 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><span id="xdx_8BD_z9Bq7S11vBle" style="display: none">Schedule of finance receivables to their contractual balances</span></td><td style="font-weight: bold"> </td> <td colspan="14" style="font-weight: bold; text-align: center"> </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, 2022</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, 2021</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> </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"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>(In thousands)</b></span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 44%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td style="text-align: right; width: 11%"> </td><td style="text-align: left; width: 1%"> </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">Finance receivables measured at fair value</td><td> </td> <td style="text-align: left">$</td><td id="xdx_98C_ecustom--FinanceReceivablesContractualBalance_c20221231_pn3n3" style="text-align: right" title="Finance receivables contractual balance">2,701,184</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_982_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20221231_zG1udLnh9hSg" style="text-align: right" title="Finance receivables measured at fair value">2,476,617</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98F_ecustom--FinanceReceivablesContractualBalance_c20211231_pn3n3" style="text-align: right" title="Finance receivables contractual balance">1,972,699</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98D_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20211231_zERCgo77nM8j" style="text-align: right" title="Finance receivables measured at fair value">1,749,098</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">The following table provides certain qualitative information about our level 3 fair value measurements: </p> <table cellpadding="0" cellspacing="0" id="xdx_883_eus-gaap--ScheduleOfEffectOfSignificantUnobservableInputsChangesInPlanAssetsTableTextBlock_pn3n3_zk33VBaFfIfe" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (12) Fair Value Measurements (Details - Level 3 Fair Value Measurements)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B8_zvlyPmrxFEGk" style="display: none">Schedule of level 3 fair value measurements</span></td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold">Financial Instrument</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="padding-bottom: 1pt; font-weight: bold; text-align: center">Fair Values as of</td><td style="padding-bottom: 1pt; font-weight: bold"> </td> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="padding-bottom: 1pt; 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 style="text-align: center"> </td><td style="font-weight: bold"> </td> <td colspan="3" 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">2022</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">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </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 style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</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 style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 25%; text-align: left">Finance receivables measured at fair value</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--ReceivablesFairValueDisclosure_c20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pn3n3" style="width: 11%; text-align: right" title="Receivables, Fair Value Disclosure">2,476,617</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--ReceivablesFairValueDisclosure_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pn3n3" style="width: 11%; text-align: right" title="Receivables, Fair Value Disclosure">1,749,098</td><td style="width: 1%; text-align: left"> </td> <td style="width: 18%; text-align: center">Discount rate</td><td style="width: 1%"> </td> <td style="width: 13%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_905_ecustom--DiscountRateOnFinanceReceivables_c20220101__20221231_zzyER2N5UVy9" title="Discount Rate on Finance Receivables">11.0%-11.3%</span></span></td><td style="width: 1%; text-align: left"> </td> <td style="width: 13%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90E_ecustom--DiscountRateOnFinanceReceivables_c20210101__20211231" title="Discount Rate on Finance Receivables">10.6% - 11.3%</span></span></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> <td style="text-align: center">Cumulative net losses</td><td> </td> <td style="text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_901_ecustom--CumulativeNetLossesOnFinanceReceivables_c20220101__20221231" title="Cumulative Net Losses (Percent) on Finance Receivables">13.4%-19.4%</span></span></td><td style="text-align: left"> </td> <td style="text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_907_ecustom--CumulativeNetLossesOnFinanceReceivables_c20210101__20211231" title="Cumulative Net Losses (Percent) on Finance Receivables">10.0% - 18.4%</span></span></td><td style="text-align: left"> </td></tr> </table> <p style="margin: 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">The following table summarizes the delinquency status using the contractual balance of these finance receivables measured at fair value as of December 31, 2022 and December 31, 2021: </p> <table cellpadding="0" cellspacing="0" id="xdx_885_ecustom--ScheduleOfDelinquencyStatusOfFinanceReceivablesMeasuredAtFairValueTableTextBlock_pn3n3_z2WcejjGBlP7" 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"> <td><span id="xdx_8BA_zlCBs8icOhj" style="display: none">Schedule of delinquency status of finance receivables measured at fair value</span></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">2022</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">2021</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: 68%">Current</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_ecustom--FinanceReceivablesMeasuredAtFairValue_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_pn3n3" style="width: 13%; text-align: right" title="Initial Principal">2,375,271</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_ecustom--FinanceReceivablesMeasuredAtFairValue_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_pn3n3" style="width: 13%; text-align: right" title="Initial Principal">1,787,641</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_98B_ecustom--FinanceReceivablesMeasuredAtFairValue_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_pn3n3" style="text-align: right" title="Initial Principal">184,968</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--FinanceReceivablesMeasuredAtFairValue_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_pn3n3" style="text-align: right" title="Initial Principal">115,924</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_980_ecustom--FinanceReceivablesMeasuredAtFairValue_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_pn3n3" style="text-align: right" title="Initial Principal">72,390</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--FinanceReceivablesMeasuredAtFairValue_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_pn3n3" style="text-align: right" title="Initial Principal">38,999</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_982_ecustom--FinanceReceivablesMeasuredAtFairValue_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_pn3n3" style="text-align: right" title="Initial Principal">29,048</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--FinanceReceivablesMeasuredAtFairValue_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_pn3n3" style="text-align: right" title="Initial Principal">11,564</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_98F_ecustom--FinanceReceivablesMeasuredAtFairValue_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__custom--RepossessedVehiclesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Initial Principal">39,507</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_98C_ecustom--FinanceReceivablesMeasuredAtFairValue_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__custom--RepossessedVehiclesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Initial Principal">18,571</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_985_ecustom--FinanceReceivablesMeasuredAtFairValue_c20221231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Initial Principal">2,701,184</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_ecustom--FinanceReceivablesMeasuredAtFairValue_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Initial Principal">1,972,699</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">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, 2022, the finance receivables related to the repossessed vehicles in inventory totaled $<span id="xdx_909_ecustom--GrossBalanceOfRepossessionsInInventory_iI_dm_c20221231__us-gaap--PublicUtilitiesInventoryAxis__us-gaap--VehiclesMember_zI4NkEhO0pD8" title="Gross balance of repossessions in inventory">1.9 million</span>. We have applied a valuation adjustment, or loss allowance, of $<span id="xdx_900_ecustom--ValuationAllowancesAndReserveAdjustments_dm_c20220101__20221231_z5ZZhbmpDir5" title="Allowance for losses on repossessed inventory">1.3 million</span>, which is based on a recovery rate of approximately <span id="xdx_90C_ecustom--RecoveryRate_iI_pip0_dp_c20221231_zsHTWnZMCvLl" title="Recovery rate">30</span>%, resulting in an estimated fair value and carrying amount of $<span id="xdx_900_ecustom--FairValueAndCarryingAmountOfRepossessedVehicles_c20220101__20221231_zRK1xfe9Mexc" title="Fair value and carrying amount of repossessed vehicles">571,000</span>. The fair value and carrying amount of the repossessed inventory at December 31, 2021 was $<span id="xdx_901_eus-gaap--ForeclosedAssets_iI_dm_c20211231__us-gaap--LongTermPurchaseCommitmentByCategoryOfItemPurchasedAxis__us-gaap--InventoriesMember_zWQ6LX7czYid" title="Net repossessed inventory included in other assets">2.5 million</span> after applying a valuation adjustment of $<span id="xdx_907_ecustom--FairValuationAdjustmentOfRepossedInventory_dm_c20210101__20211231_zliyj2itrmxf" title="Fair valuation adjustment of repossessed inventory">1.9 million</span>.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in">There were no transfers in or out of level 1 or level 2 assets and liabilities for 2022 and 2021. We have no level 3 assets or liabilities that are measured at fair value on a non-recurring basis.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.1in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in">The estimated fair values of financial assets and liabilities at December 31, 2022 and 2021, were as follows:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"> </p> <table cellpadding="0" cellspacing="0" id="xdx_891_eus-gaap--FairValueByBalanceSheetGroupingTextBlock_pn3n3_zLZKMd0AMqUc" 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"><b style="display: none"><span id="xdx_8B0_zbkuwxdHhw4f">Schedule of fair values of financial assets and liabilities</span></b></td><td> </td> <td style="text-align: left"> </td><td id="xdx_494_20221231__us-gaap--FairValueByAssetClassAxis__custom--CarryingValueMember_zt1BG4Dja3bc" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_496_20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zqdwHzLARo93" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zag7eZJuv9Oh" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_499_20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zVGBphBlJ2G8" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20221231_zKfkJz8K4bV9" style="text-align: center"> </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, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; font-weight: bold"><span style="text-decoration: underline">Financial Instrument</span></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">(In thousands)</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="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 style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_40E_eus-gaap--CashAndCashEquivalentsAtCarryingValue_iI_pn3n3_d0_zOzlhNC2BFg3" 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: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">13,490</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">13,490</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">13,490</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--RestrictedCashAndCashEquivalents_iI_pn3n3_d0_zAPhECadzXya" 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">149,299</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">149,299</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">149,299</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_ecustom--FinanceReceivablesFairValueDisclosure_iI_pn3n3_d0_zZmLbH09FrAb" 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">70,551</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">60,063</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">60,063</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--AccruedInvestmentIncomeReceivable_iI_pn3n3_d0_z5UKCLvuEnU9" 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">649</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">649</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">649</td><td style="text-align: left"> </td></tr> <tr 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_400_eus-gaap--LinesOfCreditCurrent_iI_pn3n3_d0_zJ5zXWABeS4h" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">285,328</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</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">285,328</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">285,328</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AccountsPayableFairValueDisclosure_iI_pn3n3_d0_zdfFGYctZzfh" 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">6,190</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">6,190</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,190</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--SecuredDebt_iI_pn3n3_d0_zLhb8U6tuSni" 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">2,108,744</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">1,957,995</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,957,995</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--SubordinatedDebt_iI_pn3n3_d0_z2BuhPY1PfG1" 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">25,263</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">25,263</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">25,263</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td> </td> <td colspan="2" id="xdx_496_20211231__us-gaap--FairValueByAssetClassAxis__custom--CarryingValueMember_zcnTrRtBqVmj" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" id="xdx_49F_20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zCnSHnZwnWSh" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" id="xdx_497_20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zw69T44E8l7b" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" id="xdx_49A_20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zVp4UUhARqCh" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" id="xdx_490_20211231_zDS8LykRNHx6" style="text-align: center"> </td><td> </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, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; font-weight: bold"><span style="text-decoration: underline">Financial Instrument</span></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">(In thousands)</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="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 style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_409_eus-gaap--CashAndCashEquivalentsAtCarryingValue_iI_pn3n3_d0_zcDzn4m5i637" 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: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">29,928</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">29,928</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">29,928</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--RestrictedCashAndCashEquivalents_iI_pn3n3_d0_zaVf6YOVUasl" 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">146,620</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">146,620</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">146,620</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_ecustom--FinanceReceivablesFairValueDisclosure_iI_pn3n3_d0_zTu1UzVeHtz" 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">176,184</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">178,795</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">178,795</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AccruedInvestmentIncomeReceivable_iI_pn3n3_d0_z3cKvJMPbC9" 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">2,269</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">2,269</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,269</td><td style="text-align: left"> </td></tr> <tr 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_401_eus-gaap--LinesOfCreditCurrent_iI_pn3n3_d0_zFQXxw6bZg16" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">105,610</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</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">105,610</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">105,610</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--AccountsPayableFairValueDisclosure_iI_pn3n3_d0_z2kts4KInw75" 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">3,568</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">3,568</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,568</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--SecuredDebt_iI_pn3n3_d0_zH7Kc70JlnO8" 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">1,759,972</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">1,740,901</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,740,901</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--SubordinatedDebt_iI_pn3n3_d0_zJC4wVLZ9aH8" 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">26,459</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">26,459</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">26,459</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <table cellpadding="0" cellspacing="0" id="xdx_881_eus-gaap--FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_pn3n3_zaf8zahjVr3k" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (12) Fair Value Measurements (Details - Reconciliation of Finance Receivables)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8BB_z2bqt0ycVYk6" style="display: none">Schedule of reconciliation of the finance receivables measured at fair value on a recurring basis</span></td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center"> </td><td style="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">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 style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</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">2021</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: 68%">Balance at beginning of period</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20211231_zBhI6EjlvWUg" style="width: 13%; text-align: right" title="Balance at beginning of period">1,749,098</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--ReceivablesFairValueDisclosure_iS_pn3n3_c20201231_zMO8iqG5uzAd" style="width: 13%; text-align: right" title="Balance at beginning of period">1,523,726</td><td style="width: 1%; text-align: left"> </td></tr> <tr 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 id="xdx_981_eus-gaap--PaymentsToAcquireFinanceReceivables_c20220101__20221231_pn3n3" style="text-align: right" title="Finance receivables at fair value acquired during period">1,673,166</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PaymentsToAcquireFinanceReceivables_c20210101__20211231_pn3n3" style="text-align: right" title="Finance receivables at fair value acquired during period">1,107,537</td><td style="text-align: left"> </td></tr> <tr 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 id="xdx_984_ecustom--PaymentsOnFinanceReceivablesAtFairValue_c20220101__20221231_pn3n3" style="text-align: right" title="Payments received on finance receivables at fair value">(825,783</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--PaymentsOnFinanceReceivablesAtFairValue_c20210101__20211231_pn3n3" style="text-align: right" title="Payments received on finance receivables at fair value">(743,728</td><td style="text-align: left">)</td></tr> <tr 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 id="xdx_98B_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_iN_pn3n3_di_c20220101__20221231_zY4R0Apa1wu3" style="text-align: right" title="Net interest income accretion on fair value receivables">(135,147</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--NetInterestIncomeAccretionOnFairValueReceivables_iN_pn3n3_di_c20210101__20211231_zbDEn8vrNMC4" style="text-align: right" title="Net interest income accretion on fair value receivables">(134,020</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">Mark to fair value</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_ecustom--MarkToFairValue_c20220101__20221231_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">15,283</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_ecustom--MarkToFairValue_c20210101__20211231_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Mark to fair value">(4,417</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">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 id="xdx_987_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3_c20221231_zYCYPHZlyOBk" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">2,476,617</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_98B_eus-gaap--ReceivablesFairValueDisclosure_iE_pn3n3_c20211231_zbSfUKduc8J3" style="border-bottom: Black 2.5pt double; text-align: right" title="Balance at end of period">1,749,098</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1749098000 1523726000 1673166000 1107537000 -825783000 -743728000 135147000 134020000 15283000 -4417000 2476617000 1749098000 <table cellpadding="0" cellspacing="0" id="xdx_884_ecustom--ScheduleOfFinanceReceivablesToTheirContractualBalancesTableTextBlock_pn3n3_zbpCFhLZgI0b" style="font: 10pt Times New Roman, Times, Serif; 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><span id="xdx_8BD_z9Bq7S11vBle" style="display: none">Schedule of finance receivables to their contractual balances</span></td><td style="font-weight: bold"> </td> <td colspan="14" style="font-weight: bold; text-align: center"> </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, 2022</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, 2021</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> </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"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>(In thousands)</b></span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 44%"> </td><td style="width: 1%"> </td> <td style="text-align: left; width: 1%"> </td><td style="text-align: right; width: 11%"> </td><td style="text-align: left; width: 1%"> </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">Finance receivables measured at fair value</td><td> </td> <td style="text-align: left">$</td><td id="xdx_98C_ecustom--FinanceReceivablesContractualBalance_c20221231_pn3n3" style="text-align: right" title="Finance receivables contractual balance">2,701,184</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_982_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20221231_zG1udLnh9hSg" style="text-align: right" title="Finance receivables measured at fair value">2,476,617</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98F_ecustom--FinanceReceivablesContractualBalance_c20211231_pn3n3" style="text-align: right" title="Finance receivables contractual balance">1,972,699</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98D_eus-gaap--ReceivablesFairValueDisclosure_iI_pn3n3_c20211231_zERCgo77nM8j" style="text-align: right" title="Finance receivables measured at fair value">1,749,098</td><td style="text-align: left"> </td></tr> </table> 2701184000 2476617000 1972699000 1749098000 <table cellpadding="0" cellspacing="0" id="xdx_883_eus-gaap--ScheduleOfEffectOfSignificantUnobservableInputsChangesInPlanAssetsTableTextBlock_pn3n3_zk33VBaFfIfe" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - (12) Fair Value Measurements (Details - Level 3 Fair Value Measurements)"> <tr style="vertical-align: bottom"> <td><span id="xdx_8B8_zvlyPmrxFEGk" style="display: none">Schedule of level 3 fair value measurements</span></td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-weight: bold">Financial Instrument</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="padding-bottom: 1pt; font-weight: bold; text-align: center">Fair Values as of</td><td style="padding-bottom: 1pt; font-weight: bold"> </td> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="padding-bottom: 1pt; 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 style="text-align: center"> </td><td style="font-weight: bold"> </td> <td colspan="3" 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">2022</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">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </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 style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</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 style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td> <td style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(238,238,238)"> <td style="width: 25%; text-align: left">Finance receivables measured at fair value</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--ReceivablesFairValueDisclosure_c20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pn3n3" style="width: 11%; text-align: right" title="Receivables, Fair Value Disclosure">2,476,617</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--ReceivablesFairValueDisclosure_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pn3n3" style="width: 11%; text-align: right" title="Receivables, Fair Value Disclosure">1,749,098</td><td style="width: 1%; text-align: left"> </td> <td style="width: 18%; text-align: center">Discount rate</td><td style="width: 1%"> </td> <td style="width: 13%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_905_ecustom--DiscountRateOnFinanceReceivables_c20220101__20221231_zzyER2N5UVy9" title="Discount Rate on Finance Receivables">11.0%-11.3%</span></span></td><td style="width: 1%; text-align: left"> </td> <td style="width: 13%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90E_ecustom--DiscountRateOnFinanceReceivables_c20210101__20211231" title="Discount Rate on Finance Receivables">10.6% - 11.3%</span></span></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> <td style="text-align: center">Cumulative net losses</td><td> </td> <td style="text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_901_ecustom--CumulativeNetLossesOnFinanceReceivables_c20220101__20221231" title="Cumulative Net Losses (Percent) on Finance Receivables">13.4%-19.4%</span></span></td><td style="text-align: left"> </td> <td style="text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_907_ecustom--CumulativeNetLossesOnFinanceReceivables_c20210101__20211231" title="Cumulative Net Losses (Percent) on Finance Receivables">10.0% - 18.4%</span></span></td><td style="text-align: left"> </td></tr> </table> 2476617000 1749098000 11.0%-11.3% 10.6% - 11.3% 13.4%-19.4% 10.0% - 18.4% <table cellpadding="0" cellspacing="0" id="xdx_885_ecustom--ScheduleOfDelinquencyStatusOfFinanceReceivablesMeasuredAtFairValueTableTextBlock_pn3n3_z2WcejjGBlP7" 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"> <td><span id="xdx_8BA_zlCBs8icOhj" style="display: none">Schedule of delinquency status of finance receivables measured at fair value</span></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">2022</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">2021</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: 68%">Current</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_ecustom--FinanceReceivablesMeasuredAtFairValue_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_pn3n3" style="width: 13%; text-align: right" title="Initial Principal">2,375,271</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_ecustom--FinanceReceivablesMeasuredAtFairValue_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_pn3n3" style="width: 13%; text-align: right" title="Initial Principal">1,787,641</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_98B_ecustom--FinanceReceivablesMeasuredAtFairValue_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_pn3n3" style="text-align: right" title="Initial Principal">184,968</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--FinanceReceivablesMeasuredAtFairValue_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_pn3n3" style="text-align: right" title="Initial Principal">115,924</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_980_ecustom--FinanceReceivablesMeasuredAtFairValue_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_pn3n3" style="text-align: right" title="Initial Principal">72,390</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--FinanceReceivablesMeasuredAtFairValue_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_pn3n3" style="text-align: right" title="Initial Principal">38,999</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_982_ecustom--FinanceReceivablesMeasuredAtFairValue_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_pn3n3" style="text-align: right" title="Initial Principal">29,048</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--FinanceReceivablesMeasuredAtFairValue_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_pn3n3" style="text-align: right" title="Initial Principal">11,564</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_98F_ecustom--FinanceReceivablesMeasuredAtFairValue_c20221231__us-gaap--FinancingReceivablesPeriodPastDueAxis__custom--RepossessedVehiclesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Initial Principal">39,507</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_98C_ecustom--FinanceReceivablesMeasuredAtFairValue_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__custom--RepossessedVehiclesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Initial Principal">18,571</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_985_ecustom--FinanceReceivablesMeasuredAtFairValue_c20221231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Initial Principal">2,701,184</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_ecustom--FinanceReceivablesMeasuredAtFairValue_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Initial Principal">1,972,699</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 2375271000 1787641000 184968000 115924000 72390000 38999000 29048000 11564000 39507000 18571000 2701184000 1972699000 1900000 1300000 0.30 571000 2500000 1900000 <table cellpadding="0" cellspacing="0" id="xdx_891_eus-gaap--FairValueByBalanceSheetGroupingTextBlock_pn3n3_zLZKMd0AMqUc" 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"><b style="display: none"><span id="xdx_8B0_zbkuwxdHhw4f">Schedule of fair values of financial assets and liabilities</span></b></td><td> </td> <td style="text-align: left"> </td><td id="xdx_494_20221231__us-gaap--FairValueByAssetClassAxis__custom--CarryingValueMember_zt1BG4Dja3bc" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_496_20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zqdwHzLARo93" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zag7eZJuv9Oh" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_499_20221231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zVGBphBlJ2G8" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20221231_zKfkJz8K4bV9" style="text-align: center"> </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, 2022</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; font-weight: bold"><span style="text-decoration: underline">Financial Instrument</span></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">(In thousands)</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="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 style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_40E_eus-gaap--CashAndCashEquivalentsAtCarryingValue_iI_pn3n3_d0_zOzlhNC2BFg3" 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: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">13,490</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">13,490</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">13,490</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--RestrictedCashAndCashEquivalents_iI_pn3n3_d0_zAPhECadzXya" 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">149,299</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">149,299</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">149,299</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_ecustom--FinanceReceivablesFairValueDisclosure_iI_pn3n3_d0_zZmLbH09FrAb" 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">70,551</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">60,063</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">60,063</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--AccruedInvestmentIncomeReceivable_iI_pn3n3_d0_z5UKCLvuEnU9" 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">649</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">649</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">649</td><td style="text-align: left"> </td></tr> <tr 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_400_eus-gaap--LinesOfCreditCurrent_iI_pn3n3_d0_zJ5zXWABeS4h" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">285,328</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</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">285,328</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">285,328</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AccountsPayableFairValueDisclosure_iI_pn3n3_d0_zdfFGYctZzfh" 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">6,190</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">6,190</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,190</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--SecuredDebt_iI_pn3n3_d0_zLhb8U6tuSni" 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">2,108,744</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">1,957,995</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,957,995</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--SubordinatedDebt_iI_pn3n3_d0_z2BuhPY1PfG1" 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">25,263</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">25,263</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">25,263</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="font-weight: bold"> </td><td> </td> <td colspan="2" id="xdx_496_20211231__us-gaap--FairValueByAssetClassAxis__custom--CarryingValueMember_zcnTrRtBqVmj" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" id="xdx_49F_20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zCnSHnZwnWSh" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" id="xdx_497_20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zw69T44E8l7b" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" id="xdx_49A_20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zVp4UUhARqCh" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" id="xdx_490_20211231_zDS8LykRNHx6" style="text-align: center"> </td><td> </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, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; font-weight: bold"><span style="text-decoration: underline">Financial Instrument</span></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">(In thousands)</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="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 style="vertical-align: bottom"> <td style="font-weight: bold">Assets:</td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_409_eus-gaap--CashAndCashEquivalentsAtCarryingValue_iI_pn3n3_d0_zcDzn4m5i637" 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: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">29,928</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">29,928</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">–</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">29,928</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--RestrictedCashAndCashEquivalents_iI_pn3n3_d0_zaVf6YOVUasl" 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">146,620</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">146,620</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">146,620</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_ecustom--FinanceReceivablesFairValueDisclosure_iI_pn3n3_d0_zTu1UzVeHtz" 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">176,184</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">178,795</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">178,795</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--AccruedInvestmentIncomeReceivable_iI_pn3n3_d0_z3cKvJMPbC9" 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">2,269</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">2,269</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,269</td><td style="text-align: left"> </td></tr> <tr 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_401_eus-gaap--LinesOfCreditCurrent_iI_pn3n3_d0_zFQXxw6bZg16" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Warehouse lines of credit</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">105,610</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</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">105,610</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">105,610</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--AccountsPayableFairValueDisclosure_iI_pn3n3_d0_z2kts4KInw75" 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">3,568</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">3,568</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,568</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--SecuredDebt_iI_pn3n3_d0_zH7Kc70JlnO8" 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">1,759,972</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">1,740,901</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,740,901</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--SubordinatedDebt_iI_pn3n3_d0_zJC4wVLZ9aH8" 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">26,459</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">26,459</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">26,459</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.1in"/> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"/> 13490000 13490000 0 0 13490000 149299000 149299000 0 0 149299000 70551000 0 0 60063000 60063000 649000 0 0 649000 649000 285328000 0 0 285328000 285328000 6190000 0 0 6190000 6190000 2108744000 0 0 1957995000 1957995000 25263000 0 0 25263000 25263000 29928000 29928000 0 0 29928000 146620000 146620000 0 0 146620000 176184000 0 0 178795000 178795000 2269000 0 0 2269000 2269000 105610000 0 0 105610000 105610000 3568000 0 0 3568000 3568000 1759972000 0 0 1740901000 1740901000 26459000 0 0 26459000 26459000 <p id="xdx_801_eus-gaap--SubsequentEventsTextBlock_z0hHbf6g1CWh" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b><i>13) <span>Subsequent Events</span></i></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">On January 25, 2023 we executed our first securitization of 2023. In the transaction, qualified institutional buyers purchased $324.8 million of asset-backed notes secured by $362.9 million in automobile receivables originated by CPS. The sold notes, issued by CPS Auto Receivables Trust 2023-A, consist of five classes. Ratings of the notes were provided by Standard &amp; 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 6.82%.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">The 2023-A transaction has initial credit enhancement consisting of a cash deposit equal to 1.00% of the original receivable pool balance and overcollateralization of 10.50%. The transaction agreements require accelerated payment of principal on the notes to reach overcollateralization of the lesser of 14.00% of the original receivable pool balance, or 38.00% of the then outstanding pool balance. The transaction was a private offering of securities, not registered under the Securities Act of 1933, or any state securities law.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"/> 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 $804.4 million in 2023, $578.9 million in 2024, $339.1 million in 2025, $202.3 million in 2026, $128.1 million in 2027, $55.3 million in 2028, and $0.6 million in 2029. 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.