1st Franklin Financial 10-K 30 Mar 21 2020 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	Dec. 31, 2020	Dec. 31, 2020	Jun. 30, 2020
Registrant Name		1st Franklin Financial Corporation
Registrant CIK		0000038723
Fiscal Year End		--12-31
Document Type		10-K
Document Annual Report		true
Document Period End Date		Dec. 31, 2020
Document Transition Report		false
Entity File Number		002-27985
Entity Incorporation, State or Country Code		GA
Entity Tax Identification Number		58-0521233
Entity Address, Address Line One		135 East Tugalo Street
Entity Address, Address Line Two		Post Office Box 880
Entity Address, City or Town		Toccoa
Entity Address, State or Province		GA
Entity Address, Postal Zip Code		30577
Entity Address, Address Description		Address of principal executive offices
Phone Fax Number Description		Registrant's telephone number, including area code
City Area Code		706
Local Phone Number		886-7571
Entity Well-known Seasoned Issuer		No
Entity Voluntary Filers		No
Entity Current Reporting Status		Yes
Entity Interactive Data Current		Yes
Entity Filer Category		Non-accelerated Filer
Entity Small Business		false
Entity Emerging Growth Company		false
Entity Shell Company		false
Entity Public Float			$ 0
Amendment Flag		false
Document Fiscal Year Focus		2020
Document Fiscal Period Focus		FY
Voting Common Stock
Entity Listing, Par Value Per Share	$ 100
Entity Common Stock, Shares Outstanding	1,700	1,700
Nonvoting Common Stock
Entity Listing, Par Value Per Share	$ 0
Entity Common Stock, Shares Outstanding	168,300	168,300

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL POSITION - USD ($)		Dec. 31, 2020	Dec. 31, 2019
Cash, Cash Equivalents, and Short-term Investments
Cash and Due From Banks	[1]	$ 5,323,448	$ 3,429,386
Short-term Investments	[1]	53,890,255	48,504,879
Cash and Cash Equivalents	[1]	59,213,703	51,934,265
Restricted Cash	[2]	8,464,719	6,524,315
LOANS:
Direct Cash Loans	[3]	777,568,737	737,254,501
Real Estate Loans	[3]	39,960,390	37,255,330
Sales Finance Contracts	[3]	103,258,326	70,019,005
Loans and Leases Receivable, Gross	[3]	920,787,453	844,528,836
Unearned Finance Charges		132,703,130	118,748,137
Unearned Insurance Premiums		61,018,635	57,620,339
Allowance for Credit Losses		66,327,674	53,000,000
Loans and Leases Receivable, Net Amount		660,738,014	615,160,360
Investments, Debt and Equity Securities
Available for Sale, at fair value	[4]	221,054,418	204,457,522
Held to Maturity, at amortized cost	[4]	379,002	380,561
Marketable Debt Securities, Total	[4]	221,433,420	204,838,083
Other Assets
Property, Plant and Equipment, Net		13,577,945	15,410,942
Operating Lease Right of Use Assets	[5]	33,610,067	31,313,793
Deferred Acquisition Costs		3,625,611	3,472,783
Due from Non-affiliated Insurance Company		2,970,476	2,933,146
Other Miscellaneous		10,022,417	7,591,891
Other Assets		63,806,516	60,722,555
ASSETS, Total		1,013,656,372	939,179,578
SENIOR DEBT:
Bank Borrowings	[6]	118,900,000	111,350,000
Senior Demand Notes, including accrued interest	[6]	86,622,503	76,249,795
Commercial Paper	[6]	432,273,538	403,491,300
Senior Debt, total	[6]	637,796,041	591,091,095
ACCOUNTS PAYABLE AND ACCRUED EXPENSES
Operating Lease Liabilities		34,163,153	31,655,563
Other Accounts Payable and Accrued Expenses		33,182,451	25,931,780
Accounts Payable and Accrued Liabilities, Current		67,345,604	57,587,343
Subordinated Debt	[7]	30,075,399	29,005,024
LIABILITIES, Total		735,217,044	677,683,462
COMMITMENTS AND CONTINGENCIES	[8]
STOCKHOLDERS' EQUITY:
Preferred Stock		0	0
Accumulated Other Comprehensive Income		13,266,927	9,614,846
Retained Earnings		265,002,401	251,711,270
Total Stockholders' Equity		278,439,328	261,496,116
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY		1,013,656,372	939,179,578
Voting Common Stock
STOCKHOLDERS' EQUITY:
Common Stock		170,000	170,000
Nonvoting Common Stock
STOCKHOLDERS' EQUITY:
Common Stock		$ 0	$ 0
[1]	See Note 5.
[2]	See Note 1.
[3]	See Note 2.
[4]	See Note 3.
[5]	See Note 8.
[6]	See Note 6.
[7]	See Note 7.
[8]	See note 9.

CONSOLIDATED STATEMENTS OF FI_2

CONSOLIDATED STATEMENTS OF FINANCIAL POSITION - Parenthetical - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment	$ 42,477,600	$ 38,180,121
Preferred Stock, Par or Stated Value Per Share	$ 100	$ 100
Preferred Stock, Shares Authorized	6,000	6,000
Preferred Stock, Shares Outstanding	0	0
Voting Common Stock
Common Stock, Par or Stated Value Per Share	$ 100	$ 100
Common Stock, Shares Authorized	2,000	2,000
Common Stock, Shares, Outstanding	1,700	1,700
Nonvoting Common Stock
Common Stock, Par or Stated Value Per Share	$ 0	$ 0
Common Stock, Shares Authorized	198,000	198,000
Common Stock, Shares, Outstanding	168,300	168,300

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($)		12 Months Ended
		Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
INTEREST INCOME:
Finance Charges		$ 213,087,060	$ 200,577,584	$ 172,804,055
Net Investment Income		6,882,483	7,353,236	7,134,054
Total Interest Income		219,969,543	207,930,820	179,938,109
INTEREST EXPENSE:
Senior Debt		20,281,290	18,663,910	12,993,358
Subordinated Debt		922,083	849,174	888,482
Total interest expense		21,203,373	19,513,084	13,881,840
NET INTEREST INCOME		198,766,170	188,417,736	166,056,269
Provision for loan losses	[1]	56,689,484	59,695,888	39,207,197
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES		142,076,686	128,721,848	126,849,072
NET INSURANCE INCOME:
Premiums		49,780,940	49,355,186	44,387,227
Insurance Claims and Expense		(15,489,876)	(13,451,858)	(11,934,887)
Total Insurance Income		34,291,064	35,903,328	32,452,340
OTHER REVENUE		5,419,562	6,046,716	5,732,236
OPERATING EXPENSES:
Personnel Expense		99,684,473	93,820,162	91,585,822
Occupancy Expense		17,568,423	18,167,252	17,250,698
Other Expense		45,257,347	41,556,893	35,644,204
Total Operating Expenses		162,510,243	153,544,307	144,480,724
INCOME BEFORE INCOME TAXES		19,277,069	17,127,585	20,552,924
Provision for Income Taxes	[2]	3,386,807	3,779,212	3,211,993
Net Income (Loss)		$ 15,890,262	$ 13,348,373	$ 17,340,931
BASIC EARNINGS PER SHARE		$ 93.47	$ 78.52	$ 102.01
[1]	See Note 2.
[2]	See Note 12.

CONSOLIDATED STATEMENTS OF IN_2

CONSOLIDATED STATEMENTS OF INCOME - Parenthetical - shares	Dec. 31, 2020	Dec. 31, 2019
Voting Common Stock
Common Stock, Shares, Outstanding	1,700	1,700
Nonvoting Common Stock
Common Stock, Shares, Outstanding	168,300	168,300

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Details
Net Income (Loss)	$ 15,890,262	$ 13,348,373	$ 17,340,931
Other Comprehensive Income / (Loss):
Unrealized gains (losses)	4,658,116	12,972,947	(6,903,069)
Income tax (provision) benefit	(989,588)	(2,696,204)	1,415,964
Net unrealized gain (losses)	3,668,528	10,276,743	(5,487,105)
Reclassification of (gains)/losses to Net Income (Loss)	16,447	269,918	293,029
Other Comprehensive Income (Loss), Net of Tax	3,652,081	10,006,825	(5,780,134)
Total Comprehensive Income	$ 19,542,343	$ 23,355,198	$ 11,560,797

CONSOLIDATED STATEMENTS OF STOC

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY - USD ($)		Common Stock	Retained Earnings	AOCI Attributable to Parent	Total
Equity Balance, Value at Dec. 31, 2017		$ 170,000	$ 227,329,870	$ 4,596,132	$ 232,096,002
Adjustment Resulting from the Adoption of Accounting Standard	[1]	0	(792,023)	792,023
Comprehensive Income (Loss)
Net Income (Loss)		0	17,340,931	0	17,340,931
Other Comprehensive Income (Loss), Net of Tax		0	0	(5,780,134)	(5,780,134)
Total Comprehensive Income (Loss)		0	0	0	11,560,797
Cash Distributions Paid		$ 0	(2,796,641)	0	(2,796,641)
Equity Balance, Shares at Dec. 31, 2017		170,000
Equity Balance, Value at Dec. 31, 2018		$ 170,000	241,082,137	(391,979)	240,860,158
Comprehensive Income (Loss)
Net Income (Loss)		0	13,348,373	0	13,348,373
Other Comprehensive Income (Loss), Net of Tax		0	0	10,006,825	10,006,825
Total Comprehensive Income (Loss)		0	0	0	23,355,198
Cash Distributions Paid		$ 0	(2,719,240)	0	(2,719,240)
Equity Balance, Shares at Dec. 31, 2018		170,000
Equity Balance, Value at Dec. 31, 2019		$ 170,000	251,711,270	9,614,846	261,496,116
Comprehensive Income (Loss)
Net Income (Loss)		0	15,890,262	0	15,890,262
Other Comprehensive Income (Loss), Net of Tax		0	0	3,652,081	3,652,081
Total Comprehensive Income (Loss)		0	0	0	19,542,343
Cumulative Change in Accounting Principal	[1]	0	(2,158,161)	0	(2,158,161)
Cash Distributions Paid		$ 0	(440,970)	0	(440,970)
Equity Balance, Shares at Dec. 31, 2019		170,000
Equity Balance, Value at Dec. 31, 2020		$ 170,000	$ 265,002,401	$ 13,266,927	$ 278,439,328
[1]	See Note 1.

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income (Loss)	$ 15,890,262	$ 13,348,373	$ 17,340,931
Adjustments to reconcile Net Income (Loss) to net cash provided by operating activities:
Provision for loan losses	56,689,484	59,695,888	39,207,197
Depreciation and amortization	4,837,876	4,906,380	4,631,106
Provision for deferred (prepaid) taxes	156,075	444,780	522,773
Equipment and amortization on securities	(214,898)	(425,618)	(321,369)
Decrease (increase) in miscellaneous other assets	(2,409,367)	(1,758,206)	333,470
Decrease in other liablities	6,109,380	(2,051,933)	(96,798)
Net Cash Provided by (Used in) Operating Activities	81,058,812	74,159,664	61,617,310
CASH FLOWS FROM INVESTING ACTIVITIES:
Loans originated or purchased	(516,978,375)	(540,426,634)	(510,440,178)
Loan payments	412,553,076	407,678,188	374,784,512
Purchases of securities, available for sale	(19,013,337)	(3,265,479)	(32,488,192)
Sales of securities, available for sale	0	14,873,211	12,621,827
Redemptions of securities, available for sale	7,220,000	9,145,000	5,350,000
Redemptions of securities, held to maturity	0	400,000	4,155,000
Capital expenditures	(3,022,147)	(5,047,495)	(4,489,551)
Proceeds from sale of equipment	67,462	132,478	94,020
Net Cash Provided by (Used in) Investing Activities	(119,173,321)	(116,510,731)	(150,412,562)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase (decrease) in Senior Demand Notes	10,372,708	2,910,714	1,520,425
Advances on credit line	193,849,330	189,428,300	79,445,656
Payments on credit line	(186,299,330)	(131,258,300)	(26,265,656)
Commercial paper issued	139,155,810	76,624,561	63,064,642
Commercial paper redeemed	(110,373,572)	(46,936,830)	(44,173,634)
Subordinated debt issued	6,916,788	6,677,992	5,703,527
Subordinated debt redeemed	(5,846,413)	(7,943,418)	(8,920,980)
Dividends / distributions paid	(440,970)	(2,719,240)	(2,796,641)
Net Cash Provided by (Used in) Financing Activities	47,334,351	86,783,779	67,577,339
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	9,219,842	44,432,712	(21,217,913)
CASH AND CASH EQUIVALENTS, beginning	58,458,580	14,025,868	35,243,781
CASH AND CASH EQUIVALENTS, ending	67,678,422	58,458,580	14,025,868
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Interest Paid	21,119,661	19,156,155	13,626,034
Income Taxes Paid	3,178,625	3,346,023	2,235,000
Non-cash Exchange of Investment Securities	0	0	341,692
Lease Assets and Associated Liabilities	$ 0	$ 29,781,213	$ 0

1. SUMMARY OF SIGNIFICANT ACCOU

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2020
Notes
1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Business: st Basis of Consolidation: Fair Values of Financial Instruments: Fair Value Measurements Use of Estimates: Income Recognition: Depreciation and Amortization: Restricted Cash: Year Ended December 31, (In thousands) 2020 2019 2018 Cash and cash equivalents $ 59,214 $ 51,934 $ 10,280 Restricted cash 8,465 6,525 3,746 Total cash, cash equivalents and restricted cash $ 67,679 $ 58,459 $ 14,026 Impairment of Long-Lived Assets: Income Taxes: Collateral Held for Resale: Marketable Debt Securities: Earnings per Share Information Revenue from Contracts with Customers: (1) (2) (3) Other revenues, as a whole, are immaterial to total revenues. During the three years ended December 31, 2020, 2019 and 2018, the Company recognized interest related income of $213.1 million, $200.6 million and $172.8 million, respectively, insurance related revenue of $49.8 million, $49.4 million and $44.4 million, respectively, and other revenues of $5.4 million, $6.0 million and $5.7 million, respectively. Recent Accounting Pronouncements: January 1, 2020 Assets As Reported Under ASC 326 Pre-ASC 326 Adoption Impact ofASC 326 Adoption (in 000’s) (in 000’s) (in 000’s) Loans: $ 88,442 $ -- $ 88,442 85,252 - 85,252 563,560 - 563,560 37,255 - 37,255 70,019 - 70,019 - 844,528 (844,528) 118,748 118,748 - 57,620 57,620 - 55,158 53,000 2,158 $ 613,002 $ 615,160 $ (2,158) Equity: Retained Earnings $ 249,553 $ 251,711 $ (2,158)

2. LOANS

2. LOANS	12 Months Ended
	Dec. 31, 2020
Notes
2. LOANS	2. LOANS Contractual Maturities of Loans: Direct Real Sales Due In Cash Estate Finance Calendar Year Loans Loans Contracts 2021 53.30% 14.41% 33.73% 2022 29.89 10.15 26.96 2023 11.47 10.42 20.80 2024 4.14 9.99 13.44 2025 1.08 9.50 4.82 2026 & beyond .12 45.53 .25 100.00% 100.00% 100.00% Allowance for Credit Losses: Loan Class December 31, 2020 December 31, 2019 Live Check Consumer Loans $ 3,964,176 $ 4,689,601 Premier Consumer Loans 2,069,315 2,587,373 Other Consumer Loans 20,181,097 26,509,178 Real Estate Loans 1,414,443 1,259,471 Sales Finance Contracts 3,576,629 2,301,970 $ 31,205,660 $ 37,347,593 December 31, 2020 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Loans Live Check Loans $ 1,998,538 $ 1,629,874 $ 2,122,317 $ 5,750,729 Premier Loans 895,722 653,370 1,038,398 2,587,490 Other Consumer Loans 14,419,790 8,496,082 14,933,605 37,849,477 Real Estate Loans 502,733 223,007 1,437,966 2,163,706 Sales Finance Contracts 2,251,562 1,340,620 2,260,685 5,852,867 $ 20,068,345 $ 12,342,953 $ 21,792,971 $ 54,204,269 December 31, 2019 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Loans Live Check Loans $ 2,089,313 $ 1,576,158 $ 3,079,737 $ 6,745,208 Premier Loans 1,174,364 791,218 1,216,080 3,181,662 Other Consumer Loans 16,309,594 9,251,491 20,675,879 46,236,964 Real Estate Loans 900,373 339,977 1,592,069 2,832,419 Sales Finance Contracts 1,691,694 754,381 1,755,318 4,201,393 $ 22,165,338 $ 12,713,225 $ 28,319,083 $ 63,197,646 Payment Performance – Net Balance by Origination Year 2020 (1) 2019 2018 2017 2016 Prior Total Net Balance (in 000’s) (in 000’s) (in 000’s) (in 000’s) (in 000’s) (in 000’s) (in 000’s) Live Checks: $ 91,968 $ 10,476 $ 1,700 $ 182 $ 1 $ - $ 104,327 3,231 654 68 11 - - 3,964 $ 95,199 $ 11,130 1,798 $ 193 $ 1 $ - $ 108,291 Premier Loans: $ 59,688 $ 23,398 $ 6,625 $ 916 $ - $ - $ 90,627 911 821 316 20 - - 2,068 $ 60,599 $ 24,219 6,941 $ 936 $ - $ - $ 92,695 Other Consumer Loans: $ 431,482 $ 96,393 $ 21,123 $ 3,559 $ 559 $ 201 $ 553,317 10,867 7,331 1,681 240 49 13 20,181 $ 442,349 $ 103,724 22,804 $ 3,799 $ 608 $ 214 $ 573,498 Real Estate Loans: $ 10,713 $ 9,552 $ 6,944 $ 3,896 $ 2,039 $ 2,739 $ 35,883 257 415 315 118 90 219 1,414 $ 10,970 $ 9,967 7,259 $ 4,014 $ 2,129 $ 2,958 $ 37,297 Sales Finance Contracts: $ 70,603 $ 21,278 $ 5,929 $ 863 $ 90 $ 29 $ 98,792 2,270 892 329 77 4 4 3,576 $ 72,873 $ 22,170 6,258 $ 940 $ 94 $ 33 $ 102,368 (1) st st 2020 Live Checks Premier Loans OtherConsumer Loans Real EstateLoans Sales FinanceContracts Total (in 000’s) (in 000’s) (in 000’s) (in 000’s) (in 000’s) (in 000’s) Allowance for Credit Losses: $ - $ - $ - $ - $ - $ 53,000 - - - - - 2,158 $ 8,177 $ 4,121 $ 39,180 $ 169 $ 3,511 $ 55,158 11,544 5,797 33,760 140 5,449 56,690 (11,735) (4,592) (42,696) (49) (4,275) (63,347) 2,779 512 13,589 7 940 17,827 $ 10,765 $ 5,838 $ 43,833 $ 267 $ 5,625 $ 66,328 2019 2018 (in 000’s) (in 000’s) Allowance for Loan Losses $ 43,000,000 $ 42,500,000 59,695,588 39,207,197 (66,682,422) (53,570,647) 16,986,534 14,863,450 $ 53,000,000 $ 43,000,000 Finance Receivables: $ 840,458,743 $ 729,783,655 Nearly our entire loan portfolio consists of small homogeneous consumer loans (of the product types set forth in the table below). December 31, 2020 Principal Balance % Portfolio Net Charge Offs % Net Charge Offs Consumer Loans $ 775,713,298 84.5 % $ 42,142,861 92.6 % Real Estate Loans 39,293,179 4.3 41,751 .1 Sales Finance Contracts 102,435,221 11.2 3,335,359 7.3 $ 917,441,698 100.0 % $ 45,519,971 100.0 % December 31, 2019 Principal Balance % Portfolio Net Charge Offs % Net Charge Offs Consumer Loans $ 734,556,902 87.4 % $ 47,227,395 95.0 % Real Estate Loans 36,595,931 4.4 40,279 .1 Sales Finance Contracts 69,305,910 8.2 2,428,214 4.9 $ 840,458,743 100.0 % $ 49,695,888 100.0 % Number of Loans Pre-Modification Recorded Investment Post-Modification Recorded Investment Live Check Consumer Loans 2,127 $ 3,688,912 $ 3,588,117 Premier Consumer Loans 485 3,185,328 3,090,506 Other Consumer Loans 11,463 41,709,966 39,405,511 Real Estate Loans 39 465,759 453,611 Sales Finance Contracts 846 4,379,561 4,215,137 14,960 $ 53,429,526 $ 50,752,882 TDRs that subsequently defaulted during the year ended December 31, 2020 are listed below. Number of Loans Pre-Modification Recorded Investment Live Check Consumer Loans 787 $ 1,248,879 Premier Consumer Loans 92 480,080 Other Consumer Loans 2,735 5,523,962 Real Estate Loans 4 27,476 Sales Finance Contracts 183 475,188 3,801 $ 7,755,585 The following table presents a summary of loans that were restructured during the year ended December 31, 2019. Number of Loans Pre-Modification Recorded Investment Post-Modification Recorded Investment Consumer Loans 18,680 $ 55,198,024 $ 52,873,724 Real Estate Loans 50 698,205 695,693 Sales Finance Contracts 870 3,226,704 3,086,441 19,600 $ 59,122,933 $ 56,655,858 TDRs that subsequently defaulted during the year ended December 31, 2019 are listed below. Number of Loans Pre-Modification Recorded Investment Consumer Loans 5,854 $ 10,583,099 Real Estate Loans - - Sales Finance Contracts 222 546,101 6,076 $ 11,129,200 The following table presents a summary of loans that were restructured during the year ended December 31, 2018. Number of Loans Pre-Modification Recorded Investment Post-Modification Recorded Investment Consumer Loans 16,473 $ 42,571,410 $ 41,169,632 Real Estate Loans 51 468,208 458,496 Sales Finance Contracts 685 1,742,532 1,671,991 17,209 $ 44,782,150 $ 43,300,119 TDRs that subsequently defaulted during the year ended December 31, 2018 are listed below. Number of Loans Pre-Modification Recorded Investment Consumer Loans 4,625 $ 7,364,675 Real Estate Loans 1 4,233 Sales Finance Contracts 144 304,882 4,770 $ 7,673,790 The level of TDRs, including those which have experienced a subsequent default, is considered in the determination of an appropriate level of allowance for credit losses.

3. INVESTMENT SECURITIES

3. INVESTMENT SECURITIES	12 Months Ended
	Dec. 31, 2020
Notes
3. INVESTMENT SECURITIES	3. INVESTMENT SECURITIES Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value December 31, 2020 Obligations of states and $ 204,199,851 $ 16,464,476 $ (1,022) $ 220,663,305 Corporate securities 130,316 260,797 -- 391,113 $ 204,330,167 $ 16,725,273 $ (1,022) $ 221,054,418 December 31, 2019 Obligations of states and $ 192,240,250 $ 11,796,039 $ (24,092) $ 204,012,197 Corporate securities 130,316 315,009 -- 445,325 $ 192,370,566 $ 12,111,048 $ (24,092) $ 204,457,522 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value December 31, 2020 Obligations of states and $ 379,002 $ 1,848 $ - $ 380,850 December 31, 2019 Obligations of states and $ 380,561 $ 8,959 $ - $ 389,520 Available for Sale Held to Maturity Estimated Estimated Amortized Fair Amortized Fair Cost Value Cost Value Due in one year or less $ 971,354 $ 1,234,597 $ -- $ -- Due after one year through five years 5,668,206 5,781,356 379,002 380,850 Due after five years through ten years 22,551,147 23,863,176 -- -- Due after ten years 175,139,460 190,175,289 -- -- $ 204,330,167 $ 221,054,418 $ 379,002 $ 380,850 Less than 12 Months 12 Months or Longer Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Available for Sale: Obligations of states and political subdivisions $ 920,927 $ (1,022) $ - $ - $ 920,927 $ (1,022) Less than 12 Months 12 Months or Longer Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Available for Sale: Obligations of states and political subdivisions $ 1,206,656 $ (18,941) $ 986,642 $ (5,151) $ 2,193,298 $ (24,092)

4. FAIR VALUE

4. FAIR VALUE	12 Months Ended
	Dec. 31, 2020
Notes
4. FAIR VALUE	4. FAIR VALUE · · · Fair Value Measurements at Reporting Date Using Fair Value Measurements at Reporting Date Using Quoted Prices In Active Significant Markets for Other Significant Identical Observable Unobservable December 31, Assets Inputs Inputs Description 2020 (Level 1) (Level 2) (Level 3) Corporate securities $ 391,113 $ 391,113 $ -- $ -- Obligations of states and political subdivisions 220,663,305 -- 220,663,305 -- Available-for-sale investment securities $ 221,054,418 $ 391,113 $ 220,663,305 $ -- Fair Value Measurements at Reporting Date Using Quoted Prices In Active Significant Markets for Other Significant Identical Observable Unobservable December 31, Assets Inputs Inputs Description 2019 (Level 1) (Level 2) (Level 3) Corporate securities $ 445,325 $ 445,325 $ -- $ -- Obligations of states and political subdivisions 204,012,195 -- 204,012,195 -- Available-for-sale investment securities $ 204,457,520 $ 445,325 $ 204,012,195 $ --

5. INSURANCE SUBSIDIARY RESTRIC

5. INSURANCE SUBSIDIARY RESTRICTIONS	12 Months Ended
	Dec. 31, 2020
Notes
5. INSURANCE SUBSIDIARY RESTRICTIONS	5. INSURANCE SUBSIDIARY RESTRICTIONS

6. SENIOR DEBT

6. SENIOR DEBT	12 Months Ended
	Dec. 31, 2020
Notes
6. SENIOR DEBT	6. SENIOR DEBT Weighted Average Maximum Average Weighted Interest Amount Amount Average Year Ended Rate at End Outstanding Outstanding Interest Rate December 31 of Year During Year During Year During Year (In thousands, except % data) 2020: Bank Borrowings 3.50% $ 123,256 $ 104,206 4.38% Senior Demand Notes 1.90 87,413 82,509 1.90 Commercial Paper 3.45 431,314 407,156 3.48 3.25 636,784 593,871 3.42 2019: Bank Borrowings 4.45% $ 111,350 $ 73,307 5.60% Senior Demand Notes 1.89 76,204 73,498 1.87 Commercial Paper 3.47 402,651 389,597 3.38 3.45 590,205 536,402 3.48 2018: Bank Borrowings 5.74% $ 53,180 $ 6,999 5.21% Senior Demand Notes 1.64 77,731 74,267 1.52 Commercial Paper 3.13 373,167 364,362 3.01 3.19 499,666 445,628 2.92

7. SUBORDINATED DEBT

7. SUBORDINATED DEBT	12 Months Ended
	Dec. 31, 2020
Notes
7. SUBORDINATED DEBT	7. SUBORDINATED DEBT Weighted Average Interest Rate atEnd of Year Weighted Average Interest RateDuring Year 2020 2019 2018 2020 2019 2018 3.10% 2.96% 2.70% 3.01% 2.81% 2.66% Maturity and redemption information relating to the Company's subordinated debt at December 31, 2020 is as follows: Amount Maturing or Redeemable at Option of Holder Based on Maturity Based on Interest Date Adjustment Period 2021 $ 6,068,119 $ 16,410,974 2022 5,219,163 7,405,587 2023 9,010,098 2,940,375 2024 9,778,019 3,318,463 $ 30,075,399 $ 30,075,399

8. LEASES

8. LEASES	12 Months Ended
	Dec. 31, 2020
Notes
8. LEASES	8. LEASES Twelve Months Ended Dec. 31, 2020 Operating lease expense $ 7,226,361 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases 7,055,046 Weighted-average remaining lease term – operating leases (in years) 7.07 Weighted-average discount rate – operating leases 4.92% Lease Maturity Schedule as of December 31, 2019: Amount 2021 6,982,155 2022 6,444,448 2023 5,577,917 2024 4,846,460 2025 4,489,926 2026 and beyond 11,855,364 Total 40,196,270 Less interest (6,033,117) Present Value of Lease Liability $ 34,163,153 Twelve Months Ended Dec. 31, 2019 Operating lease expense $ 6,721,970 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases 6,564,569 Weighted-average remaining lease term – operating leases (in years) 6.86 Weighted-average discount rate – operating leases 5.67 % Lease Maturity Schedule as of December 31, 2019: Amount 2020 6,823,468 2021 6,152,783 2022 5,556,754 2023 4,737,533 2024 4,008,787 2025 and beyond 10,848,375 Total 38,127,700 Less interest (6,472,138) Present Value of Lease Liability $ 31,655,562

9. COMMITMENTS AND CONTINGENCIE

9. COMMITMENTS AND CONTINGENCIES	12 Months Ended
	Dec. 31, 2020
Notes
9. COMMITMENTS AND CONTINGENCIES	9. COMMITMENTS AND CONTINGENCIES

10. EMPLOYEE BENEFIT PLANS

10. EMPLOYEE BENEFIT PLANS	12 Months Ended
	Dec. 31, 2020
Notes
10. EMPLOYEE BENEFIT PLANS	10. EMPLOYEE BENEFIT PLANS

11. RELATED PARTY TRANSACTIONS

11. RELATED PARTY TRANSACTIONS	12 Months Ended
	Dec. 31, 2020
Notes
11. RELATED PARTY TRANSACTIONS	11. RELATED PARTY TRANSACTIONS

12. INCOME TAXES

12. INCOME TAXES	12 Months Ended
	Dec. 31, 2020
Notes
12. INCOME TAXES	12. INCOME TAXES The provision for income taxes for the years ended December 31, 2020, 2019 and 2018 is made up of the following components: 2020 2019 2018 Current – Federal $ 3,024,953 $ 3,207,966 $ 2,689,220 Current – State 205,779 126,466 -- 3,230,732 3,334,432 2,689,220 Deferred – Federal 156,075 444,780 522,773 $ 3,386,807 $ 3,779,212 $ 3,211,993 Deferred Tax Assets (Liabilities) 2020 2019 Insurance Commissions $ (4,459,805) $ (4,284,082) Unearned Premium Reserves 1,937,163 1,848,978 Deferred Acquisition Cost Amortization (1,336,728) (1,221,520) SPAE Capitalization 27,107 32,616 STAT & Tax Reserve 551,919 502,808 GAAP/STAT Premium Tax (205,280) (201,996) Unrealized Loss (Gain) on (3,457,325) (2,472,109) Other (53,948) (60,301) $ (6,996,897) $ (5,855,606) 2020 2019 2018 Statutory Federal income tax rate 21.0% 21.0% 21.0% Tax Reform Act Impact - - - Tax effect of S corporation status 1.0 6.7 (.4) Tax exempt income (5.5) (6.4) (5.1) Miscellaneous 1.1 .8 .1 17.6% 22.1% 15.6%

13. SEGMENT FINANCIAL INFORMATI

13. SEGMENT FINANCIAL INFORMATION	12 Months Ended
	Dec. 31, 2020
Notes
13. SEGMENT FINANCIAL INFORMATION:	13. SEGMENT FINANCIAL INFORMATION Below is a performance recap of each of the Company's divisions for the year ended December 31, 2020 followed by a reconciliation to consolidated Company data. Year 2020 Division I Division II Division III Division IV Division V Division VII Division VIII Division IX Total (In Millions) Revenues: Finance Charges Earned $ 33.4 $ 28.6 $ 30.3 $ 34.0 $ 21.5 $ 21.5 $ 17.2 $ 26.5 $ 213.0 Insurance Income 4.8 6.7 8.3 4.2 3.8 3.2 3.8 5.3 40.1 Other .1 .8 1.0 1.1 .6 .5 .4 .7 5.2 38.3 36.1 39.6 39.3 25.9 25.2 21.4 32.5 258.3 Expenses: Interest Cost 3.0 3.1 3.2 3.6 2.0 2.2 1.7 2.8 21.6 Provision for Loan Losses 8.5 4.7 6.0 6.6 4.4 5.9 4.5 4.9 45.5 Depreciation .4 .4 .3 .5 .5 .5 .3 .5 3.4 Other 13.5 12.8 12.9 14.3 10.4 10.2 10.6 13.1 97.8 25.4 21.0 22.4 25.0 17.3 18.8 17.1 21.3 168.3 Division Profit $ 12.9 $ 15.1 $ 17.2 $ 14.3 $ 8.6 $ 6.4 $ 4.3 $ 11.2 $ 90.0 Division Assets: Net Receivables $ 102.6 $ 106.2 $ 111.3 $ 128.9 $ 71.3 $ 76.5 $ 64.7 $ 97.3 $ 758.8 Cash .5 .5 .7 .6 .5 .3 .4 .4 3.9 Net Fixed Assets .7 .8 .9 1.4 1.6 1.2 .9 .9 8.4 Other Assets 3.2 4.6 4.3 5.7 3.7 4.3 3.3 4.5 33.6 Total Division Assets $ 107.0 $ 112.1 $ 117.2 $ 136.6 $ 77.1 $ 82.3 $ 69.3 $ 103.1 $ 804.7 RECONCILIATION: 2019 (In Millions) Revenues: Total revenues from reportable divisions $ 258.3 Corporate finance charges earned not allocated to divisions .1 Corporate investment income earned not allocated to divisions 6.9 Timing difference of insurance income allocation to divisions .9.7 Other revenues not allocated to divisions $ 2 Consolidated Revenues (1) $ 275.2 Net Income: Total profit or loss for reportable divisions $ 90.0 Corporate earnings not allocated 16.8 Corporate expenses not allocated (87.5) Consolidated Income Before Income Taxes $ 19.3 Assets: Total assets for reportable divisions $ 804.7 Loans held at corporate level 2.2 Unearned insurance at corporate level (33.8) Allowance for loan losses at corporate level (66.3) Cash and cash equivalents held at corporate level 63.8 Investment securities at corporate level 221.4 Fixed assets at corporate level 5.1 Other assets at corporate level 16.6 Consolidated Assets $ 1,013.7 Note 1: Below is a performance recap of each of the Company's divisions for the year ended December 31, 2019 followed by a reconciliation to consolidated Company data. Year 2019 Division I Division II Division III Division IV Division V Division VII Division VIII Division IX Total (In Millions) Revenues: Finance Charges Earned $ 32.3 $ 29.0 $ 26.9 $ 32.4 $ 19.0 $ 18.8 $ 15.9 $ 26.1 $ 200.4 Insurance Income 5.3 6.8 8.1 4.4 3.5 3.2 3.7 6.7 41.7 Other .1 1.1 1.0 1.1 .7 .5 .5 1.0 6.0 37.7 36.9 36.0 37.9 23.2 22.5 20.1 33.8 248.1 Expenses: Interest Cost 2.8 3.0 2.8 3.3 1.8 1.8 1.5 2.7 19.7 Provision for Loan Losses 8.4 6.1 5.9 8.2 5.0 5.9 4.1 6.1 49.7 Depreciation .5 .4 .3 .5 .4 .4 .4 .5 3.4 Other 13.3 12.8 12.5 14.2 10.3 9.8 10.1 13.1 96.1 25.0 22.3 21.5 26.2 17.5 17.9 16.1 22.4 168.9 Division Profit $ 12.7 $ 14.6 $ 14.5 $ 11.7 $ 5.7 $ 4.6 $ 4.0 $ 11.4 $ 79.2 Division Assets: Net Receivables $ 100.3 $ 103.1 $ 99.4 $ 116.4 $ 63.2 $ 67.8 $ 54.8 $ 92.4 $ 697.4 Cash .2 .3 .4 .4 .3 .2 .2 .3 2.3 Net Fixed Assets 1.0 1.0 .7 1.4 1.6 1.4 .9 1.1 9.1 Other Assets 3.5 4.8 3.4 5.4 3.2 3.7 3.2 4.4 31.6 Total Division Assets $ 105.0 $ 109.2 $ 103.9 $ 123.6 $ 68.3 $ 73.1 $ 59.1 $ 98.2 $ 740.4 RECONCILIATION: 2019 (In Millions) Revenues: Total revenues from reportable divisions $ 248.1 Corporate finance charges earned not allocated to divisions .1 Corporate investment income earned not allocated to divisions 7.4 Timing difference of insurance income allocation to divisions 7.7 Other revenues not allocated to divisions .0 Consolidated Revenues (1) $ 263.3 Net Income: Total profit or loss for reportable divisions $ 79.2 Corporate earnings not allocated 15.2 Corporate expenses not allocated (77.3) Consolidated Income Before Income Taxes $ 17.1 Assets: Total assets for reportable divisions $ 740.4 Loans held at corporate level 2.4 Unearned insurance at corporate level (31.6) Allowance for loan losses at corporate level (53.0) Cash and cash equivalents held at corporate level 56.1 Investment securities at corporate level 204.9 Fixed assets at corporate level 6.3 Other assets at corporate level 13.7 Consolidated Assets $ 939.2 Note 1: Below is a performance recap of each of the Company's divisions for the year ended December 31, 2018 followed by a reconciliation to consolidated Company data. Year 2018 Division I Division II Division III Division IV Division V Division VII Division VIII Division IX Total (In Millions) Revenues: Finance Charges Earned $ 26.2 $ 26.3 $ 24.5 $ 29.7 $ 17.0 $ 13.1 $ 13.0 $ 22.9 $ 172.7 Insurance Income 4.4 6.0 7.6 4.2 3.2 2.5 3.0 6.2 37.1 Other .1 1.0 1.1 1.0 .6 .4 .5 1.0 5.7 30.7 33.3 33.2 34.9 20.8 16.0 16.5 30.1 215.5 Expenses: Interest Cost 1.9 2.2 2.1 2.5 1.3 1.1 1.0 1.9 14.0 Provision for Loan Losses 5.4 4.9 5.4 7.1 3.8 3.8 3.1 5.1 38.6 Depreciation .5 .5 .3 .5 .3 .3 .3 .5 3.2 Other 12.6 12.2 12.0 13.2 9.5 8.2 8.8 12.0 88.5 20.4 19.8 19.8 23.3 14.9 13.4 13.2 19.5 144.3 Division Profit $ 10.3 $ 13.5 $ 13.4 $ 11.6 $ 5.9 $ 2.6 $ 3.3 $ 10.6 $ 71.2 Division Assets: Net Receivables $ 85.0 $ 95.3 $ 88.2 $ 105.4 $ 55.0 $ 53.8 $ 44.4 $ 82.9 $ 610.0 Cash .3 .4 .4 .4 .3 .2 .3 .3 2.6 Net Fixed Assets 1.0 1.1 .7 1.4 .9 1.0 .7 1.1 7.9 Other Assets - - .1 .2 .1 - .1 .1 .6 Total Division Assets $ 86.3 $ 96.8 $ 89.4 $ 107.4 $ 56.3 $ 55.0 $ 45.5 $ 84.4 $ 621.1 RECONCILIATION: 2018 (In Millions) Revenues: Total revenues from reportable divisions $ 215.5 Corporate finance charges earned not allocated to divisions .1 Corporate investment income earned not allocated to divisions 7.2 Timing difference of insurance income allocation to divisions 7.2 Other revenues not allocated to divisions .1 Consolidated Revenues (1) $ 230.1 Net Income: Total profit or loss for reportable divisions $ 71.2 Corporate earnings not allocated 14.5 Corporate expenses not allocated (65.2) Consolidated Income Before Income Taxes $ 20.5 Assets: Total assets for reportable divisions $ 621.1 Loans held at corporate level 2.4 Unearned insurance at corporate level (27.3) Allowance for loan losses at corporate level (43.0) Cash and cash equivalents held at corporate level 11.4 Investment securities at corporate level 213.0 Fixed assets at corporate level 7.5 Other assets at corporate level 11.3 Consolidated Assets $ 796.4 Note 1:

1. SUMMARY OF SIGNIFICANT ACC_2

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES: Business (Policies)	12 Months Ended
	Dec. 31, 2020
Policies
Business:	Business: st

1. SUMMARY OF SIGNIFICANT ACC_3

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES: Basis of Consolidation (Policies)	12 Months Ended
	Dec. 31, 2020
Policies
Basis of Consolidation:	Basis of Consolidation:

1. SUMMARY OF SIGNIFICANT ACC_4

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES: Fair Values of Financial Instruments (Policies)	12 Months Ended
	Dec. 31, 2020
Policies
Fair Values of Financial Instruments:	Fair Values of Financial Instruments: Fair Value Measurements

1. SUMMARY OF SIGNIFICANT ACC_5

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES: Use of Estimates (Policies)	12 Months Ended
	Dec. 31, 2020
Policies
Use of Estimates:	Use of Estimates:

1. SUMMARY OF SIGNIFICANT ACC_6

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES: Income Recognition (Policies)	12 Months Ended
	Dec. 31, 2020
Policies
Income Recognition:	Income Recognition:

1. SUMMARY OF SIGNIFICANT ACC_7

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES: Depreciation and Amortization (Policies)	12 Months Ended
	Dec. 31, 2020
Policies
Depreciation and Amortization:	Depreciation and Amortization:

1. SUMMARY OF SIGNIFICANT ACC_8

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES: Restricted Cash (Policies)	12 Months Ended
	Dec. 31, 2020
Policies
Restricted Cash:	Restricted Cash: Year Ended December 31, (In thousands) 2020 2019 2018 Cash and cash equivalents $ 59,214 $ 51,934 $ 10,280 Restricted cash 8,465 6,525 3,746 Total cash, cash equivalents and restricted cash $ 67,679 $ 58,459 $ 14,026

1. SUMMARY OF SIGNIFICANT ACC_9

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES: Impairment of Long-Lived Assets (Policies)	12 Months Ended
	Dec. 31, 2020
Policies
Impairment of Long-Lived Assets:	Impairment of Long-Lived Assets:

1. SUMMARY OF SIGNIFICANT AC_10

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES: Income Taxes (Policies)	12 Months Ended
	Dec. 31, 2020
Policies
Income Taxes:	Income Taxes:

1. SUMMARY OF SIGNIFICANT AC_11

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES: Collateral Held for Resale (Policies)	12 Months Ended
	Dec. 31, 2020
Policies
Collateral Held for Resale:	Collateral Held for Resale:

1. SUMMARY OF SIGNIFICANT AC_12

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES: Marketable Debt Securities (Policies)	12 Months Ended
	Dec. 31, 2020
Policies
Marketable Debt Securities:	Marketable Debt Securities:

1. SUMMARY OF SIGNIFICANT AC_13

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES: Earnings per Share Information (Policies)	12 Months Ended
	Dec. 31, 2020
Policies
Earnings per Share Information:	Earnings per Share Information

1. SUMMARY OF SIGNIFICANT AC_14

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES: Revenue from Contracts with Customers (Policies)	12 Months Ended
	Dec. 31, 2020
Policies
Revenue from Contracts with Customers	Revenue from Contracts with Customers: (1) (2) (3) Other revenues, as a whole, are immaterial to total revenues. During the three years ended December 31, 2020, 2019 and 2018, the Company recognized interest related income of $213.1 million, $200.6 million and $172.8 million, respectively, insurance related revenue of $49.8 million, $49.4 million and $44.4 million, respectively, and other revenues of $5.4 million, $6.0 million and $5.7 million, respectively.

1. SUMMARY OF SIGNIFICANT AC_15

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES: Recent Accounting Pronouncements (Policies)	12 Months Ended
	Dec. 31, 2020
Policies
Recent Accounting Pronouncements:	Recent Accounting Pronouncements: January 1, 2020 Assets As Reported Under ASC 326 Pre-ASC 326 Adoption Impact ofASC 326 Adoption (in 000’s) (in 000’s) (in 000’s) Loans: $ 88,442 $ -- $ 88,442 85,252 - 85,252 563,560 - 563,560 37,255 - 37,255 70,019 - 70,019 - 844,528 (844,528) 118,748 118,748 - 57,620 57,620 - 55,158 53,000 2,158 $ 613,002 $ 615,160 $ (2,158) Equity: Retained Earnings $ 249,553 $ 251,711 $ (2,158)

2. LOANS_ Loans Receivable, Non

2. LOANS: Loans Receivable, Nonaccrual status policy (Policies)	12 Months Ended
	Dec. 31, 2020
Policies
Loans Receivable, Nonaccrual status policy	When a loan becomes 60 days or more past due based on its original terms, it is placed in non-accrual status. At this time, the accrual of any additional finance charges is discontinued. Finance charges are then only recognized to the extent there is a loan payment received or until the account qualifies for return to accrual status. Non-accrual loans return to accrual status when the loan becomes less than 60 days past due.

1. SUMMARY OF SIGNIFICANT AC_16

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES: Restricted Cash: Schedule of Cash, Cash Equivalents and Restricted Cash (Tables)	12 Months Ended
	Dec. 31, 2020
Tables/Schedules
Schedule of Cash, Cash Equivalents and Restricted Cash	Year Ended December 31, (In thousands) 2020 2019 2018 Cash and cash equivalents $ 59,214 $ 51,934 $ 10,280 Restricted cash 8,465 6,525 3,746 Total cash, cash equivalents and restricted cash $ 67,679 $ 58,459 $ 14,026

1. SUMMARY OF SIGNIFICANT AC_17

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES: Recent Accounting Pronouncements: Schedule of Impact of adopting ASU 2016-13 (Tables)	12 Months Ended
	Dec. 31, 2020
Tables/Schedules
Schedule of Impact of adopting ASU 2016-13	January 1, 2020 Assets As Reported Under ASC 326 Pre-ASC 326 Adoption Impact ofASC 326 Adoption (in 000’s) (in 000’s) (in 000’s) Loans: $ 88,442 $ -- $ 88,442 85,252 - 85,252 563,560 - 563,560 37,255 - 37,255 70,019 - 70,019 - 844,528 (844,528) 118,748 118,748 - 57,620 57,620 - 55,158 53,000 2,158 $ 613,002 $ 615,160 $ (2,158) Equity: Retained Earnings $ 249,553 $ 251,711 $ (2,158)

2. LOANS_ Schedule of Contractu

2. LOANS: Schedule of Contractual Maturity of Loans (Tables)	12 Months Ended
	Dec. 31, 2020
Tables/Schedules
Schedule of Contractual Maturity of Loans	Direct Real Sales Due In Cash Estate Finance Calendar Year Loans Loans Contracts 2021 53.30% 14.41% 33.73% 2022 29.89 10.15 26.96 2023 11.47 10.42 20.80 2024 4.14 9.99 13.44 2025 1.08 9.50 4.82 2026 & beyond .12 45.53 .25 100.00% 100.00% 100.00%

2. LOANS_ Principal balances on

2. LOANS: Principal balances on non-accrual loans (Tables)	12 Months Ended
	Dec. 31, 2020
Tables/Schedules
Principal balances on non-accrual loans	Loan Class December 31, 2020 December 31, 2019 Live Check Consumer Loans $ 3,964,176 $ 4,689,601 Premier Consumer Loans 2,069,315 2,587,373 Other Consumer Loans 20,181,097 26,509,178 Real Estate Loans 1,414,443 1,259,471 Sales Finance Contracts 3,576,629 2,301,970 $ 31,205,660 $ 37,347,593

2. LOANS_ Past Due Financing Re

2. LOANS: Past Due Financing Receivables (Tables)	12 Months Ended
	Dec. 31, 2020
Tables/Schedules
Past Due Financing Receivables	December 31, 2020 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Loans Live Check Loans $ 1,998,538 $ 1,629,874 $ 2,122,317 $ 5,750,729 Premier Loans 895,722 653,370 1,038,398 2,587,490 Other Consumer Loans 14,419,790 8,496,082 14,933,605 37,849,477 Real Estate Loans 502,733 223,007 1,437,966 2,163,706 Sales Finance Contracts 2,251,562 1,340,620 2,260,685 5,852,867 $ 20,068,345 $ 12,342,953 $ 21,792,971 $ 54,204,269 December 31, 2019 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Loans Live Check Loans $ 2,089,313 $ 1,576,158 $ 3,079,737 $ 6,745,208 Premier Loans 1,174,364 791,218 1,216,080 3,181,662 Other Consumer Loans 16,309,594 9,251,491 20,675,879 46,236,964 Real Estate Loans 900,373 339,977 1,592,069 2,832,419 Sales Finance Contracts 1,691,694 754,381 1,755,318 4,201,393 $ 22,165,338 $ 12,713,225 $ 28,319,083 $ 63,197,646

2. LOANS_ Schedule of Net Balan

2. LOANS: Schedule of Net Balance In each segment in the portfolio based on payment activity (Tables)	12 Months Ended
	Dec. 31, 2020
Tables/Schedules
Schedule of Net Balance In each segment in the portfolio based on payment activity	Payment Performance – Net Balance by Origination Year 2020 (1) 2019 2018 2017 2016 Prior Total Net Balance (in 000’s) (in 000’s) (in 000’s) (in 000’s) (in 000’s) (in 000’s) (in 000’s) Live Checks: $ 91,968 $ 10,476 $ 1,700 $ 182 $ 1 $ - $ 104,327 3,231 654 68 11 - - 3,964 $ 95,199 $ 11,130 1,798 $ 193 $ 1 $ - $ 108,291 Premier Loans: $ 59,688 $ 23,398 $ 6,625 $ 916 $ - $ - $ 90,627 911 821 316 20 - - 2,068 $ 60,599 $ 24,219 6,941 $ 936 $ - $ - $ 92,695 Other Consumer Loans: $ 431,482 $ 96,393 $ 21,123 $ 3,559 $ 559 $ 201 $ 553,317 10,867 7,331 1,681 240 49 13 20,181 $ 442,349 $ 103,724 22,804 $ 3,799 $ 608 $ 214 $ 573,498 Real Estate Loans: $ 10,713 $ 9,552 $ 6,944 $ 3,896 $ 2,039 $ 2,739 $ 35,883 257 415 315 118 90 219 1,414 $ 10,970 $ 9,967 7,259 $ 4,014 $ 2,129 $ 2,958 $ 37,297 Sales Finance Contracts: $ 70,603 $ 21,278 $ 5,929 $ 863 $ 90 $ 29 $ 98,792 2,270 892 329 77 4 4 3,576 $ 72,873 $ 22,170 6,258 $ 940 $ 94 $ 33 $ 102,368

2. LOANS_ Schedule of Additiona

2. LOANS: Schedule of Additional information on allowance for credit losses based on a collective evaluation (Tables)	12 Months Ended
	Dec. 31, 2020
Tables/Schedules
Schedule of Additional information on allowance for credit losses based on a collective evaluation	2020 Live Checks Premier Loans OtherConsumer Loans Real EstateLoans Sales FinanceContracts Total (in 000’s) (in 000’s) (in 000’s) (in 000’s) (in 000’s) (in 000’s) Allowance for Credit Losses: $ - $ - $ - $ - $ - $ 53,000 - - - - - 2,158 $ 8,177 $ 4,121 $ 39,180 $ 169 $ 3,511 $ 55,158 11,544 5,797 33,760 140 5,449 56,690 (11,735) (4,592) (42,696) (49) (4,275) (63,347) 2,779 512 13,589 7 940 17,827 $ 10,765 $ 5,838 $ 43,833 $ 267 $ 5,625 $ 66,328

2. LOANS_ Schedule of Allowance

2. LOANS: Schedule of Allowance for loan losses on a collectively evaluated, single portfolio segment basis (Tables)	12 Months Ended
	Dec. 31, 2020
Tables/Schedules
Schedule of Allowance for loan losses on a collectively evaluated, single portfolio segment basis	2019 2018 (in 000’s) (in 000’s) Allowance for Loan Losses $ 43,000,000 $ 42,500,000 59,695,588 39,207,197 (66,682,422) (53,570,647) 16,986,534 14,863,450 $ 53,000,000 $ 43,000,000 Finance Receivables: $ 840,458,743 $ 729,783,655

2. LOANS_ Schedule of Small hom

2. LOANS: Schedule of Small homogeneous consumer loans (Tables)	12 Months Ended
	Dec. 31, 2020
Tables/Schedules
Schedule of Small homogeneous consumer loans	December 31, 2020 Principal Balance % Portfolio Net Charge Offs % Net Charge Offs Consumer Loans $ 775,713,298 84.5 % $ 42,142,861 92.6 % Real Estate Loans 39,293,179 4.3 41,751 .1 Sales Finance Contracts 102,435,221 11.2 3,335,359 7.3 $ 917,441,698 100.0 % $ 45,519,971 100.0 % December 31, 2019 Principal Balance % Portfolio Net Charge Offs % Net Charge Offs Consumer Loans $ 734,556,902 87.4 % $ 47,227,395 95.0 % Real Estate Loans 36,595,931 4.4 40,279 .1 Sales Finance Contracts 69,305,910 8.2 2,428,214 4.9 $ 840,458,743 100.0 % $ 49,695,888 100.0 %

2. LOANS_ Troubled Debt Restruc

2. LOANS: Troubled Debt Restructurings on Financing Receivables (Tables)	12 Months Ended
	Dec. 31, 2020
Tables/Schedules
Troubled Debt Restructurings on Financing Receivables	Number of Loans Pre-Modification Recorded Investment Post-Modification Recorded Investment Live Check Consumer Loans 2,127 $ 3,688,912 $ 3,588,117 Premier Consumer Loans 485 3,185,328 3,090,506 Other Consumer Loans 11,463 41,709,966 39,405,511 Real Estate Loans 39 465,759 453,611 Sales Finance Contracts 846 4,379,561 4,215,137 14,960 $ 53,429,526 $ 50,752,882 TDRs that subsequently defaulted during the year ended December 31, 2020 are listed below. Number of Loans Pre-Modification Recorded Investment Live Check Consumer Loans 787 $ 1,248,879 Premier Consumer Loans 92 480,080 Other Consumer Loans 2,735 5,523,962 Real Estate Loans 4 27,476 Sales Finance Contracts 183 475,188 3,801 $ 7,755,585 The following table presents a summary of loans that were restructured during the year ended December 31, 2019. Number of Loans Pre-Modification Recorded Investment Post-Modification Recorded Investment Consumer Loans 18,680 $ 55,198,024 $ 52,873,724 Real Estate Loans 50 698,205 695,693 Sales Finance Contracts 870 3,226,704 3,086,441 19,600 $ 59,122,933 $ 56,655,858 TDRs that subsequently defaulted during the year ended December 31, 2019 are listed below. Number of Loans Pre-Modification Recorded Investment Consumer Loans 5,854 $ 10,583,099 Real Estate Loans - - Sales Finance Contracts 222 546,101 6,076 $ 11,129,200 The following table presents a summary of loans that were restructured during the year ended December 31, 2018. Number of Loans Pre-Modification Recorded Investment Post-Modification Recorded Investment Consumer Loans 16,473 $ 42,571,410 $ 41,169,632 Real Estate Loans 51 468,208 458,496 Sales Finance Contracts 685 1,742,532 1,671,991 17,209 $ 44,782,150 $ 43,300,119 TDRs that subsequently defaulted during the year ended December 31, 2018 are listed below. Number of Loans Pre-Modification Recorded Investment Consumer Loans 4,625 $ 7,364,675 Real Estate Loans 1 4,233 Sales Finance Contracts 144 304,882 4,770 $ 7,673,790

3. INVESTMENT SECURITIES_ Avail

3. INVESTMENT SECURITIES: Available-for-sale Securities (Tables)	12 Months Ended
	Dec. 31, 2020
Tables/Schedules
Available-for-sale Securities	Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value December 31, 2020 Obligations of states and $ 204,199,851 $ 16,464,476 $ (1,022) $ 220,663,305 Corporate securities 130,316 260,797 -- 391,113 $ 204,330,167 $ 16,725,273 $ (1,022) $ 221,054,418 December 31, 2019 Obligations of states and $ 192,240,250 $ 11,796,039 $ (24,092) $ 204,012,197 Corporate securities 130,316 315,009 -- 445,325 $ 192,370,566 $ 12,111,048 $ (24,092) $ 204,457,522

3. INVESTMENT SECURITIES_ Held-

3. INVESTMENT SECURITIES: Held-to-maturity Securities (Tables)	12 Months Ended
	Dec. 31, 2020
Tables/Schedules
Held-to-maturity Securities	Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value December 31, 2020 Obligations of states and $ 379,002 $ 1,848 $ - $ 380,850 December 31, 2019 Obligations of states and $ 380,561 $ 8,959 $ - $ 389,520

3. INVESTMENT SECURITIES_ Inves

3. INVESTMENT SECURITIES: Investments Classified by Contractual Maturity Date (Tables)	12 Months Ended
	Dec. 31, 2020
Tables/Schedules
Investments Classified by Contractual Maturity Date	Available for Sale Held to Maturity Estimated Estimated Amortized Fair Amortized Fair Cost Value Cost Value Due in one year or less $ 971,354 $ 1,234,597 $ -- $ -- Due after one year through five years 5,668,206 5,781,356 379,002 380,850 Due after five years through ten years 22,551,147 23,863,176 -- -- Due after ten years 175,139,460 190,175,289 -- -- $ 204,330,167 $ 221,054,418 $ 379,002 $ 380,850

3. INVESTMENT SECURITIES_ Sched

3. INVESTMENT SECURITIES: Schedule of Investment Securities, Fair Value and Unrealized Losses (Tables)	12 Months Ended
	Dec. 31, 2020
Tables/Schedules
Schedule of Investment Securities, Fair Value and Unrealized Losses	Less than 12 Months 12 Months or Longer Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Available for Sale: Obligations of states and political subdivisions $ 920,927 $ (1,022) $ - $ - $ 920,927 $ (1,022)
Schedule of Investment Securities, Fair Value and Unrealized Losses	Less than 12 Months 12 Months or Longer Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Available for Sale: Obligations of states and political subdivisions $ 1,206,656 $ (18,941) $ 986,642 $ (5,151) $ 2,193,298 $ (24,092)

4. FAIR VALUE_ Fair Value Measu

4. FAIR VALUE: Fair Value Measurements, by Fair Value hierarchy (Tables)	12 Months Ended
	Dec. 31, 2020
Tables/Schedules
Fair Value Measurements, by Fair Value hierarchy	Fair Value Measurements at Reporting Date Using Fair Value Measurements at Reporting Date Using Quoted Prices In Active Significant Markets for Other Significant Identical Observable Unobservable December 31, Assets Inputs Inputs Description 2020 (Level 1) (Level 2) (Level 3) Corporate securities $ 391,113 $ 391,113 $ -- $ -- Obligations of states and political subdivisions 220,663,305 -- 220,663,305 -- Available-for-sale investment securities $ 221,054,418 $ 391,113 $ 220,663,305 $ -- Fair Value Measurements at Reporting Date Using Quoted Prices In Active Significant Markets for Other Significant Identical Observable Unobservable December 31, Assets Inputs Inputs Description 2019 (Level 1) (Level 2) (Level 3) Corporate securities $ 445,325 $ 445,325 $ -- $ -- Obligations of states and political subdivisions 204,012,195 -- 204,012,195 -- Available-for-sale investment securities $ 204,457,520 $ 445,325 $ 204,012,195 $ --

6. SENIOR DEBT_ Schedule of Sen

6. SENIOR DEBT: Schedule of Senior Debt (Tables)	12 Months Ended
	Dec. 31, 2020
Tables/Schedules
Schedule of Senior Debt	Weighted Average Maximum Average Weighted Interest Amount Amount Average Year Ended Rate at End Outstanding Outstanding Interest Rate December 31 of Year During Year During Year During Year (In thousands, except % data) 2020: Bank Borrowings 3.50% $ 123,256 $ 104,206 4.38% Senior Demand Notes 1.90 87,413 82,509 1.90 Commercial Paper 3.45 431,314 407,156 3.48 3.25 636,784 593,871 3.42 2019: Bank Borrowings 4.45% $ 111,350 $ 73,307 5.60% Senior Demand Notes 1.89 76,204 73,498 1.87 Commercial Paper 3.47 402,651 389,597 3.38 3.45 590,205 536,402 3.48 2018: Bank Borrowings 5.74% $ 53,180 $ 6,999 5.21% Senior Demand Notes 1.64 77,731 74,267 1.52 Commercial Paper 3.13 373,167 364,362 3.01 3.19 499,666 445,628 2.92

7. SUBORDINATED DEBT_ Schedule

7. SUBORDINATED DEBT: Schedule of Subordinated Debt Interest Rates (Tables)	12 Months Ended
	Dec. 31, 2020
Tables/Schedules
Schedule of Subordinated Debt Interest Rates	Weighted Average Interest Rate atEnd of Year Weighted Average Interest RateDuring Year 2020 2019 2018 2020 2019 2018 3.10% 2.96% 2.70% 3.01% 2.81% 2.66%

7. SUBORDINATED DEBT_ Maturity

7. SUBORDINATED DEBT: Maturity and redemption information relating to Subordinated Debt (Tables)	12 Months Ended
	Dec. 31, 2020
Tables/Schedules
Maturity and redemption information relating to Subordinated Debt	Amount Maturing or Redeemable at Option of Holder Based on Maturity Based on Interest Date Adjustment Period 2021 $ 6,068,119 $ 16,410,974 2022 5,219,163 7,405,587 2023 9,010,098 2,940,375 2024 9,778,019 3,318,463 $ 30,075,399 $ 30,075,399

8. LEASES_ Schedule of lease ex

8. LEASES: Schedule of lease expense and other information related to Operating Leases (Tables)	12 Months Ended
	Dec. 31, 2020
Tables/Schedules
Schedule of lease expense and other information related to Operating Leases	Twelve Months Ended Dec. 31, 2020 Operating lease expense $ 7,226,361 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases 7,055,046 Weighted-average remaining lease term – operating leases (in years) 7.07 Weighted-average discount rate – operating leases 4.92% Lease Maturity Schedule as of December 31, 2019: Amount 2021 6,982,155 2022 6,444,448 2023 5,577,917 2024 4,846,460 2025 4,489,926 2026 and beyond 11,855,364 Total 40,196,270 Less interest (6,033,117) Present Value of Lease Liability $ 34,163,153 Twelve Months Ended Dec. 31, 2019 Operating lease expense $ 6,721,970 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases 6,564,569 Weighted-average remaining lease term – operating leases (in years) 6.86 Weighted-average discount rate – operating leases 5.67 % Lease Maturity Schedule as of December 31, 2019: Amount 2020 6,823,468 2021 6,152,783 2022 5,556,754 2023 4,737,533 2024 4,008,787 2025 and beyond 10,848,375 Total 38,127,700 Less interest (6,472,138) Present Value of Lease Liability $ 31,655,562

12. INCOME TAXES_ Schedule of C

12. INCOME TAXES: Schedule of Components of Income Tax Expense (Benefit) (Tables)	12 Months Ended
	Dec. 31, 2020
Tables/Schedules
Schedule of Components of Income Tax Expense (Benefit)	2020 2019 2018 Current – Federal $ 3,024,953 $ 3,207,966 $ 2,689,220 Current – State 205,779 126,466 -- 3,230,732 3,334,432 2,689,220 Deferred – Federal 156,075 444,780 522,773 $ 3,386,807 $ 3,779,212 $ 3,211,993

12. INCOME TAXES_ Schedule of D

12. INCOME TAXES: Schedule of Deferred Tax Assets and Liabilities (Tables)	12 Months Ended
	Dec. 31, 2020
Tables/Schedules
Schedule of Deferred Tax Assets and Liabilities	Deferred Tax Assets (Liabilities) 2020 2019 Insurance Commissions $ (4,459,805) $ (4,284,082) Unearned Premium Reserves 1,937,163 1,848,978 Deferred Acquisition Cost Amortization (1,336,728) (1,221,520) SPAE Capitalization 27,107 32,616 STAT & Tax Reserve 551,919 502,808 GAAP/STAT Premium Tax (205,280) (201,996) Unrealized Loss (Gain) on (3,457,325) (2,472,109) Other (53,948) (60,301) $ (6,996,897) $ (5,855,606)

12. INCOME TAXES_ Schedule of I

12. INCOME TAXES: Schedule of Income Tax Rate Reconciliation (Tables)	12 Months Ended
	Dec. 31, 2020
Tables/Schedules
Schedule of Income Tax Rate Reconciliation	2020 2019 2018 Statutory Federal income tax rate 21.0% 21.0% 21.0% Tax Reform Act Impact - - - Tax effect of S corporation status 1.0 6.7 (.4) Tax exempt income (5.5) (6.4) (5.1) Miscellaneous 1.1 .8 .1 17.6% 22.1% 15.6%

13. SEGMENT FINANCIAL INFORMA_2

13. SEGMENT FINANCIAL INFORMATION: Schedule of Segment Reporting Information, by Segment (Tables)	12 Months Ended
	Dec. 31, 2020
Tables/Schedules
Schedule of Segment Reporting Information, by Segment	Below is a performance recap of each of the Company's divisions for the year ended December 31, 2020 followed by a reconciliation to consolidated Company data. Year 2020 Division I Division II Division III Division IV Division V Division VII Division VIII Division IX Total (In Millions) Revenues: Finance Charges Earned $ 33.4 $ 28.6 $ 30.3 $ 34.0 $ 21.5 $ 21.5 $ 17.2 $ 26.5 $ 213.0 Insurance Income 4.8 6.7 8.3 4.2 3.8 3.2 3.8 5.3 40.1 Other .1 .8 1.0 1.1 .6 .5 .4 .7 5.2 38.3 36.1 39.6 39.3 25.9 25.2 21.4 32.5 258.3 Expenses: Interest Cost 3.0 3.1 3.2 3.6 2.0 2.2 1.7 2.8 21.6 Provision for Loan Losses 8.5 4.7 6.0 6.6 4.4 5.9 4.5 4.9 45.5 Depreciation .4 .4 .3 .5 .5 .5 .3 .5 3.4 Other 13.5 12.8 12.9 14.3 10.4 10.2 10.6 13.1 97.8 25.4 21.0 22.4 25.0 17.3 18.8 17.1 21.3 168.3 Division Profit $ 12.9 $ 15.1 $ 17.2 $ 14.3 $ 8.6 $ 6.4 $ 4.3 $ 11.2 $ 90.0 Division Assets: Net Receivables $ 102.6 $ 106.2 $ 111.3 $ 128.9 $ 71.3 $ 76.5 $ 64.7 $ 97.3 $ 758.8 Cash .5 .5 .7 .6 .5 .3 .4 .4 3.9 Net Fixed Assets .7 .8 .9 1.4 1.6 1.2 .9 .9 8.4 Other Assets 3.2 4.6 4.3 5.7 3.7 4.3 3.3 4.5 33.6 Total Division Assets $ 107.0 $ 112.1 $ 117.2 $ 136.6 $ 77.1 $ 82.3 $ 69.3 $ 103.1 $ 804.7 RECONCILIATION: 2019 (In Millions) Revenues: Total revenues from reportable divisions $ 258.3 Corporate finance charges earned not allocated to divisions .1 Corporate investment income earned not allocated to divisions 6.9 Timing difference of insurance income allocation to divisions .9.7 Other revenues not allocated to divisions $ 2 Consolidated Revenues (1) $ 275.2 Net Income: Total profit or loss for reportable divisions $ 90.0 Corporate earnings not allocated 16.8 Corporate expenses not allocated (87.5) Consolidated Income Before Income Taxes $ 19.3 Assets: Total assets for reportable divisions $ 804.7 Loans held at corporate level 2.2 Unearned insurance at corporate level (33.8) Allowance for loan losses at corporate level (66.3) Cash and cash equivalents held at corporate level 63.8 Investment securities at corporate level 221.4 Fixed assets at corporate level 5.1 Other assets at corporate level 16.6 Consolidated Assets $ 1,013.7 Note 1: Below is a performance recap of each of the Company's divisions for the year ended December 31, 2019 followed by a reconciliation to consolidated Company data. Year 2019 Division I Division II Division III Division IV Division V Division VII Division VIII Division IX Total (In Millions) Revenues: Finance Charges Earned $ 32.3 $ 29.0 $ 26.9 $ 32.4 $ 19.0 $ 18.8 $ 15.9 $ 26.1 $ 200.4 Insurance Income 5.3 6.8 8.1 4.4 3.5 3.2 3.7 6.7 41.7 Other .1 1.1 1.0 1.1 .7 .5 .5 1.0 6.0 37.7 36.9 36.0 37.9 23.2 22.5 20.1 33.8 248.1 Expenses: Interest Cost 2.8 3.0 2.8 3.3 1.8 1.8 1.5 2.7 19.7 Provision for Loan Losses 8.4 6.1 5.9 8.2 5.0 5.9 4.1 6.1 49.7 Depreciation .5 .4 .3 .5 .4 .4 .4 .5 3.4 Other 13.3 12.8 12.5 14.2 10.3 9.8 10.1 13.1 96.1 25.0 22.3 21.5 26.2 17.5 17.9 16.1 22.4 168.9 Division Profit $ 12.7 $ 14.6 $ 14.5 $ 11.7 $ 5.7 $ 4.6 $ 4.0 $ 11.4 $ 79.2 Division Assets: Net Receivables $ 100.3 $ 103.1 $ 99.4 $ 116.4 $ 63.2 $ 67.8 $ 54.8 $ 92.4 $ 697.4 Cash .2 .3 .4 .4 .3 .2 .2 .3 2.3 Net Fixed Assets 1.0 1.0 .7 1.4 1.6 1.4 .9 1.1 9.1 Other Assets 3.5 4.8 3.4 5.4 3.2 3.7 3.2 4.4 31.6 Total Division Assets $ 105.0 $ 109.2 $ 103.9 $ 123.6 $ 68.3 $ 73.1 $ 59.1 $ 98.2 $ 740.4 RECONCILIATION: 2019 (In Millions) Revenues: Total revenues from reportable divisions $ 248.1 Corporate finance charges earned not allocated to divisions .1 Corporate investment income earned not allocated to divisions 7.4 Timing difference of insurance income allocation to divisions 7.7 Other revenues not allocated to divisions .0 Consolidated Revenues (1) $ 263.3 Net Income: Total profit or loss for reportable divisions $ 79.2 Corporate earnings not allocated 15.2 Corporate expenses not allocated (77.3) Consolidated Income Before Income Taxes $ 17.1 Assets: Total assets for reportable divisions $ 740.4 Loans held at corporate level 2.4 Unearned insurance at corporate level (31.6) Allowance for loan losses at corporate level (53.0) Cash and cash equivalents held at corporate level 56.1 Investment securities at corporate level 204.9 Fixed assets at corporate level 6.3 Other assets at corporate level 13.7 Consolidated Assets $ 939.2 Note 1: Below is a performance recap of each of the Company's divisions for the year ended December 31, 2018 followed by a reconciliation to consolidated Company data. Year 2018 Division I Division II Division III Division IV Division V Division VII Division VIII Division IX Total (In Millions) Revenues: Finance Charges Earned $ 26.2 $ 26.3 $ 24.5 $ 29.7 $ 17.0 $ 13.1 $ 13.0 $ 22.9 $ 172.7 Insurance Income 4.4 6.0 7.6 4.2 3.2 2.5 3.0 6.2 37.1 Other .1 1.0 1.1 1.0 .6 .4 .5 1.0 5.7 30.7 33.3 33.2 34.9 20.8 16.0 16.5 30.1 215.5 Expenses: Interest Cost 1.9 2.2 2.1 2.5 1.3 1.1 1.0 1.9 14.0 Provision for Loan Losses 5.4 4.9 5.4 7.1 3.8 3.8 3.1 5.1 38.6 Depreciation .5 .5 .3 .5 .3 .3 .3 .5 3.2 Other 12.6 12.2 12.0 13.2 9.5 8.2 8.8 12.0 88.5 20.4 19.8 19.8 23.3 14.9 13.4 13.2 19.5 144.3 Division Profit $ 10.3 $ 13.5 $ 13.4 $ 11.6 $ 5.9 $ 2.6 $ 3.3 $ 10.6 $ 71.2 Division Assets: Net Receivables $ 85.0 $ 95.3 $ 88.2 $ 105.4 $ 55.0 $ 53.8 $ 44.4 $ 82.9 $ 610.0 Cash .3 .4 .4 .4 .3 .2 .3 .3 2.6 Net Fixed Assets 1.0 1.1 .7 1.4 .9 1.0 .7 1.1 7.9 Other Assets - - .1 .2 .1 - .1 .1 .6 Total Division Assets $ 86.3 $ 96.8 $ 89.4 $ 107.4 $ 56.3 $ 55.0 $ 45.5 $ 84.4 $ 621.1 RECONCILIATION: 2018 (In Millions) Revenues: Total revenues from reportable divisions $ 215.5 Corporate finance charges earned not allocated to divisions .1 Corporate investment income earned not allocated to divisions 7.2 Timing difference of insurance income allocation to divisions 7.2 Other revenues not allocated to divisions .1 Consolidated Revenues (1) $ 230.1 Net Income: Total profit or loss for reportable divisions $ 71.2 Corporate earnings not allocated 14.5 Corporate expenses not allocated (65.2) Consolidated Income Before Income Taxes $ 20.5 Assets: Total assets for reportable divisions $ 621.1 Loans held at corporate level 2.4 Unearned insurance at corporate level (27.3) Allowance for loan losses at corporate level (43.0) Cash and cash equivalents held at corporate level 11.4 Investment securities at corporate level 213.0 Fixed assets at corporate level 7.5 Other assets at corporate level 11.3 Consolidated Assets $ 796.4 Note 1:

1. SUMMARY OF SIGNIFICANT AC_18

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES: Depreciation and Amortization (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Details
Depreciation and amortization	$ 4,837,876	$ 4,906,380	$ 4,631,106

1. SUMMARY OF SIGNIFICANT AC_19

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES: Restricted Cash: Schedule of Cash, Cash Equivalents and Restricted Cash (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Details
Cash and cash equivalents	$ 59,214	$ 51,934	$ 10,280
Restricted cash	8,465	6,525	3,746
Total cash, cash equivalents and restricted cash	$ 67,679	$ 58,459	$ 14,026

1. SUMMARY OF SIGNIFICANT AC_20

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES: Revenue from Contracts with Customers (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Details
Interest related income	$ 213.1	$ 200.6	$ 172.8
Insurance related revenue	49.8	49.4	44.4
Other revenues	$ 5.4	$ 6	$ 5.7

1. SUMMARY OF SIGNIFICANT AC_21

1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES: Recent Accounting Pronouncements: Schedule of Impact of adopting ASU 2016-13 (Details) $ in Thousands	Dec. 31, 2019USD ($)
As Reported Under ASC 326
Loans - Live Checks	$ 88,442
Loans - Premier Loans	85,252
Loans - Other Consumer Loans	563,560
Loans - Real Estate Loans	37,255
Loans - Sales Finance Contracts	70,019
Loans - Total Portfolio Level	0
Loans - Unearned Finance Charges	118,748
Loans - Unearned Insurance Premiums & Comm	57,620
Loans - Allowance for Credit Losses	55,158
Loans - Total Net	613,002
Equity - Retained Earnings	249,553
Pre-ASC 326 Adoption
Loans - Live Checks	0
Loans - Premier Loans	0
Loans - Other Consumer Loans	0
Loans - Real Estate Loans	0
Loans - Sales Finance Contracts	0
Loans - Total Portfolio Level	844,528
Loans - Unearned Finance Charges	118,748
Loans - Unearned Insurance Premiums & Comm	57,620
Loans - Allowance for Credit Losses	53,000
Loans - Total Net	615,160
Equity - Retained Earnings	251,711
Impact of ASC 326 Adoption
Loans - Live Checks	88,442
Loans - Premier Loans	85,252
Loans - Other Consumer Loans	563,560
Loans - Real Estate Loans	37,255
Loans - Sales Finance Contracts	70,019
Loans - Total Portfolio Level	(844,528)
Loans - Unearned Finance Charges	0
Loans - Unearned Insurance Premiums & Comm	0
Loans - Allowance for Credit Losses	2,158
Loans - Total Net	(2,158)
Equity - Retained Earnings	$ (2,158)

2. LOANS_ Schedule of Contrac_2

2. LOANS: Schedule of Contractual Maturity of Loans (Details)	Dec. 31, 2020
Direct Cash Loans
Contractual Maturity as percentage of loan balances	100.00%
Direct Cash Loans | 2021
Contractual Maturity as percentage of loan balances	53.30%
Direct Cash Loans | 2022
Contractual Maturity as percentage of loan balances	29.89%
Direct Cash Loans | 2023
Contractual Maturity as percentage of loan balances	11.47%
Direct Cash Loans | 2024
Contractual Maturity as percentage of loan balances	4.14%
Direct Cash Loans | 2025
Contractual Maturity as percentage of loan balances	1.08%
Direct Cash Loans | 2026 & beyond
Contractual Maturity as percentage of loan balances	0.12%
Real Estate Loans
Contractual Maturity as percentage of loan balances	100.00%
Real Estate Loans | 2021
Contractual Maturity as percentage of loan balances	14.41%
Real Estate Loans | 2022
Contractual Maturity as percentage of loan balances	10.15%
Real Estate Loans | 2023
Contractual Maturity as percentage of loan balances	10.42%
Real Estate Loans | 2024
Contractual Maturity as percentage of loan balances	9.99%
Real Estate Loans | 2025
Contractual Maturity as percentage of loan balances	9.50%
Real Estate Loans | 2026 & beyond
Contractual Maturity as percentage of loan balances	45.53%
Sales Finance Contracts
Contractual Maturity as percentage of loan balances	100.00%
Sales Finance Contracts | 2021
Contractual Maturity as percentage of loan balances	33.73%
Sales Finance Contracts | 2022
Contractual Maturity as percentage of loan balances	26.96%
Sales Finance Contracts | 2023
Contractual Maturity as percentage of loan balances	20.80%
Sales Finance Contracts | 2024
Contractual Maturity as percentage of loan balances	13.44%
Sales Finance Contracts | 2025
Contractual Maturity as percentage of loan balances	4.82%
Sales Finance Contracts | 2026 & beyond
Contractual Maturity as percentage of loan balances	0.25%

2. LOANS (Details)

2. LOANS (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Details
Financing Receivable, 90 Days or More Past Due, Still Accruing	$ 0
Ratio of bankrupt accounts to total principal loan balances	1.48%	2.09%

2. LOANS_ Principal balances _2

2. LOANS: Principal balances on non-accrual loans (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Nonaccrual	$ 31,205,660	$ 37,347,593
Live Check Consumer Loans
Financing Receivable, Nonaccrual	3,964,176	4,689,601
Premier Consumer Loans
Financing Receivable, Nonaccrual	2,069,315	2,587,373
Other Consumer Loans
Financing Receivable, Nonaccrual	20,181,097	26,509,178
Real Estate Loans
Financing Receivable, Nonaccrual	1,414,443	1,259,471
Sales Finance Contracts
Financing Receivable, Nonaccrual	$ 3,576,629	$ 2,301,970

2. LOANS_ Past Due Financing _2

2. LOANS: Past Due Financing Receivables (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	$ 20,068,345	$ 22,165,338
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	12,342,953	12,713,225
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	21,792,971	28,319,083
Financing Receivable, Past Due	54,204,269	63,197,646
Live Check Consumer Loans
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	1,998,538	2,089,313
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	1,629,874	1,576,158
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	2,122,317	3,079,737
Financing Receivable, Past Due	5,750,729	6,745,208
Premier Consumer Loans
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	895,722	1,174,364
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	653,370	791,218
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	1,038,398	1,216,080
Financing Receivable, Past Due	2,587,490	3,181,662
Other Consumer Loans
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	14,419,790	16,309,594
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	8,496,082	9,251,491
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	14,933,605	20,675,879
Financing Receivable, Past Due	37,849,477	46,236,964
Real Estate Loans
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	502,733	900,373
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	223,007	339,977
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	1,437,966	1,592,069
Financing Receivable, Past Due	2,163,706	2,832,419
Sales Finance Contracts
Financing Receivable, Recorded Investment, 30 to 59 Days Past Due	2,251,562	1,691,694
Financing Receivable, Recorded Investment, 60 to 89 Days Past Due	1,340,620	754,381
Financing Receivable, Recorded Investment, Equal to Greater than 90 Days Past Due	2,260,685	1,755,318
Financing Receivable, Past Due	$ 5,852,867	$ 4,201,393

2. LOANS_ Schedule of Net Bal_2

2. LOANS: Schedule of Net Balance In each segment in the portfolio based on payment activity (Details)	Dec. 31, 2020USD ($)
Origination Year 2020 | Live Check Consumer Loans
Payment Performance - Net Balance	$ 95,199	[1]
Origination Year 2020 | Live Check Consumer Loans | Performing
Payment Performance - Net Balance	91,968	[1]
Origination Year 2020 | Live Check Consumer Loans | Nonperforming
Payment Performance - Net Balance	3,231	[1]
Origination Year 2020 | Premier Consumer Loans
Payment Performance - Net Balance	60,599	[1]
Origination Year 2020 | Premier Consumer Loans | Performing
Payment Performance - Net Balance	59,688	[1]
Origination Year 2020 | Premier Consumer Loans | Nonperforming
Payment Performance - Net Balance	911	[1]
Origination Year 2020 | Other Consumer Loans
Payment Performance - Net Balance	442,349	[1]
Origination Year 2020 | Other Consumer Loans | Performing
Payment Performance - Net Balance	431,482	[1]
Origination Year 2020 | Other Consumer Loans | Nonperforming
Payment Performance - Net Balance	10,867	[1]
Origination Year 2020 | Real Estate Loans
Payment Performance - Net Balance	10,970	[1]
Origination Year 2020 | Real Estate Loans | Performing
Payment Performance - Net Balance	10,713	[1]
Origination Year 2020 | Real Estate Loans | Nonperforming
Payment Performance - Net Balance	257	[1]
Origination Year 2020 | Sales Finance Contracts
Payment Performance - Net Balance	72,873	[1]
Origination Year 2020 | Sales Finance Contracts | Performing
Payment Performance - Net Balance	70,603	[1]
Origination Year 2020 | Sales Finance Contracts | Nonperforming
Payment Performance - Net Balance	2,270	[1]
Origination Year 2019 | Live Check Consumer Loans
Payment Performance - Net Balance	11,130
Origination Year 2019 | Live Check Consumer Loans | Performing
Payment Performance - Net Balance	10,476
Origination Year 2019 | Live Check Consumer Loans | Nonperforming
Payment Performance - Net Balance	654
Origination Year 2019 | Premier Consumer Loans
Payment Performance - Net Balance	24,219
Origination Year 2019 | Premier Consumer Loans | Performing
Payment Performance - Net Balance	23,398
Origination Year 2019 | Premier Consumer Loans | Nonperforming
Payment Performance - Net Balance	821
Origination Year 2019 | Other Consumer Loans
Payment Performance - Net Balance	103,724
Origination Year 2019 | Other Consumer Loans | Performing
Payment Performance - Net Balance	96,393
Origination Year 2019 | Other Consumer Loans | Nonperforming
Payment Performance - Net Balance	7,331
Origination Year 2019 | Real Estate Loans
Payment Performance - Net Balance	9,967
Origination Year 2019 | Real Estate Loans | Performing
Payment Performance - Net Balance	9,552
Origination Year 2019 | Real Estate Loans | Nonperforming
Payment Performance - Net Balance	415
Origination Year 2019 | Sales Finance Contracts
Payment Performance - Net Balance	22,170
Origination Year 2019 | Sales Finance Contracts | Performing
Payment Performance - Net Balance	21,278
Origination Year 2019 | Sales Finance Contracts | Nonperforming
Payment Performance - Net Balance	892
Origination Year 2018 | Live Check Consumer Loans
Payment Performance - Net Balance	1,798
Origination Year 2018 | Live Check Consumer Loans | Performing
Payment Performance - Net Balance	1,700
Origination Year 2018 | Live Check Consumer Loans | Nonperforming
Payment Performance - Net Balance	68
Origination Year 2018 | Premier Consumer Loans
Payment Performance - Net Balance	6,941
Origination Year 2018 | Premier Consumer Loans | Performing
Payment Performance - Net Balance	6,625
Origination Year 2018 | Premier Consumer Loans | Nonperforming
Payment Performance - Net Balance	316
Origination Year 2018 | Other Consumer Loans
Payment Performance - Net Balance	22,804
Origination Year 2018 | Other Consumer Loans | Performing
Payment Performance - Net Balance	21,123
Origination Year 2018 | Other Consumer Loans | Nonperforming
Payment Performance - Net Balance	1,681
Origination Year 2018 | Real Estate Loans
Payment Performance - Net Balance	7,259
Origination Year 2018 | Real Estate Loans | Performing
Payment Performance - Net Balance	6,944
Origination Year 2018 | Real Estate Loans | Nonperforming
Payment Performance - Net Balance	315
Origination Year 2018 | Sales Finance Contracts
Payment Performance - Net Balance	6,258
Origination Year 2018 | Sales Finance Contracts | Performing
Payment Performance - Net Balance	5,929
Origination Year 2018 | Sales Finance Contracts | Nonperforming
Payment Performance - Net Balance	329
Origination Year 2017 | Live Check Consumer Loans
Payment Performance - Net Balance	193
Origination Year 2017 | Live Check Consumer Loans | Performing
Payment Performance - Net Balance	182
Origination Year 2017 | Live Check Consumer Loans | Nonperforming
Payment Performance - Net Balance	11
Origination Year 2017 | Premier Consumer Loans
Payment Performance - Net Balance	936
Origination Year 2017 | Premier Consumer Loans | Performing
Payment Performance - Net Balance	916
Origination Year 2017 | Premier Consumer Loans | Nonperforming
Payment Performance - Net Balance	20
Origination Year 2017 | Other Consumer Loans
Payment Performance - Net Balance	3,799
Origination Year 2017 | Other Consumer Loans | Performing
Payment Performance - Net Balance	3,559
Origination Year 2017 | Other Consumer Loans | Nonperforming
Payment Performance - Net Balance	240
Origination Year 2017 | Real Estate Loans
Payment Performance - Net Balance	4,014
Origination Year 2017 | Real Estate Loans | Performing
Payment Performance - Net Balance	3,896
Origination Year 2017 | Real Estate Loans | Nonperforming
Payment Performance - Net Balance	118
Origination Year 2017 | Sales Finance Contracts
Payment Performance - Net Balance	940
Origination Year 2017 | Sales Finance Contracts | Performing
Payment Performance - Net Balance	863
Origination Year 2017 | Sales Finance Contracts | Nonperforming
Payment Performance - Net Balance	77
Origination Year 2016 | Live Check Consumer Loans
Payment Performance - Net Balance	1
Origination Year 2016 | Live Check Consumer Loans | Performing
Payment Performance - Net Balance	1
Origination Year 2016 | Live Check Consumer Loans | Nonperforming
Payment Performance - Net Balance	0
Origination Year 2016 | Premier Consumer Loans
Payment Performance - Net Balance	0
Origination Year 2016 | Premier Consumer Loans | Performing
Payment Performance - Net Balance	0
Origination Year 2016 | Premier Consumer Loans | Nonperforming
Payment Performance - Net Balance	0
Origination Year 2016 | Other Consumer Loans
Payment Performance - Net Balance	608
Origination Year 2016 | Other Consumer Loans | Performing
Payment Performance - Net Balance	559
Origination Year 2016 | Other Consumer Loans | Nonperforming
Payment Performance - Net Balance	49
Origination Year 2016 | Real Estate Loans
Payment Performance - Net Balance	2,129
Origination Year 2016 | Real Estate Loans | Performing
Payment Performance - Net Balance	2,039
Origination Year 2016 | Real Estate Loans | Nonperforming
Payment Performance - Net Balance	90
Origination Year 2016 | Sales Finance Contracts
Payment Performance - Net Balance	94
Origination Year 2016 | Sales Finance Contracts | Performing
Payment Performance - Net Balance	90
Origination Year 2016 | Sales Finance Contracts | Nonperforming
Payment Performance - Net Balance	4
Origination Year Prior | Live Check Consumer Loans
Payment Performance - Net Balance	0
Origination Year Prior | Live Check Consumer Loans | Performing
Payment Performance - Net Balance	0
Origination Year Prior | Live Check Consumer Loans | Nonperforming
Payment Performance - Net Balance	0
Origination Year Prior | Premier Consumer Loans
Payment Performance - Net Balance	0
Origination Year Prior | Premier Consumer Loans | Performing
Payment Performance - Net Balance	0
Origination Year Prior | Premier Consumer Loans | Nonperforming
Payment Performance - Net Balance	0
Origination Year Prior | Other Consumer Loans
Payment Performance - Net Balance	214
Origination Year Prior | Other Consumer Loans | Performing
Payment Performance - Net Balance	201
Origination Year Prior | Other Consumer Loans | Nonperforming
Payment Performance - Net Balance	13
Origination Year Prior | Real Estate Loans
Payment Performance - Net Balance	2,958
Origination Year Prior | Real Estate Loans | Performing
Payment Performance - Net Balance	2,739
Origination Year Prior | Real Estate Loans | Nonperforming
Payment Performance - Net Balance	219
Origination Year Prior | Sales Finance Contracts
Payment Performance - Net Balance	33
Origination Year Prior | Sales Finance Contracts | Performing
Payment Performance - Net Balance	29
Origination Year Prior | Sales Finance Contracts | Nonperforming
Payment Performance - Net Balance	4
Origination Year Total Net Balance | Live Check Consumer Loans
Payment Performance - Net Balance	108,291
Origination Year Total Net Balance | Live Check Consumer Loans | Performing
Payment Performance - Net Balance	104,327
Origination Year Total Net Balance | Live Check Consumer Loans | Nonperforming
Payment Performance - Net Balance	3,964
Origination Year Total Net Balance | Premier Consumer Loans
Payment Performance - Net Balance	92,695
Origination Year Total Net Balance | Premier Consumer Loans | Performing
Payment Performance - Net Balance	90,627
Origination Year Total Net Balance | Premier Consumer Loans | Nonperforming
Payment Performance - Net Balance	2,068
Origination Year Total Net Balance | Other Consumer Loans
Payment Performance - Net Balance	573,498
Origination Year Total Net Balance | Other Consumer Loans | Performing
Payment Performance - Net Balance	553,317
Origination Year Total Net Balance | Other Consumer Loans | Nonperforming
Payment Performance - Net Balance	20,181
Origination Year Total Net Balance | Real Estate Loans
Payment Performance - Net Balance	37,297
Origination Year Total Net Balance | Real Estate Loans | Performing
Payment Performance - Net Balance	35,883
Origination Year Total Net Balance | Real Estate Loans | Nonperforming
Payment Performance - Net Balance	1,414
Origination Year Total Net Balance | Sales Finance Contracts
Payment Performance - Net Balance	102,368
Origination Year Total Net Balance | Sales Finance Contracts | Performing
Payment Performance - Net Balance	98,792
Origination Year Total Net Balance | Sales Finance Contracts | Nonperforming
Payment Performance - Net Balance	$ 3,576
[1]	Includes loans originated during the twelve-months ended December 31, 2020.

2. LOANS_ Schedule of Additio_2

2. LOANS: Schedule of Additional information on allowance for credit losses based on a collective evaluation (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)
Live Check Consumer Loans
Allowance for Credit Losses	$ 0
Impact of adopting ASC 326	0
Allosance for Credit Losses after Impact of adopting ASC 326	8,177
Provision for Credit Losses	11,544
Charge-offs	(11,735)
Recoveries	2,779
Allowance for Credit Losses	10,765
Premier Consumer Loans
Allowance for Credit Losses	0
Impact of adopting ASC 326	0
Allosance for Credit Losses after Impact of adopting ASC 326	4,121
Provision for Credit Losses	5,797
Charge-offs	(4,592)
Recoveries	512
Allowance for Credit Losses	5,838
Other Consumer Loans
Allowance for Credit Losses	0
Impact of adopting ASC 326	0
Allosance for Credit Losses after Impact of adopting ASC 326	39,180
Provision for Credit Losses	33,760
Charge-offs	(42,696)
Recoveries	13,589
Allowance for Credit Losses	43,833
Real Estate Loans
Allowance for Credit Losses	0
Impact of adopting ASC 326	0
Allosance for Credit Losses after Impact of adopting ASC 326	169
Provision for Credit Losses	140
Charge-offs	(49)
Recoveries	7
Allowance for Credit Losses	267
Sales Finance Contracts
Allowance for Credit Losses	0
Impact of adopting ASC 326	0
Allosance for Credit Losses after Impact of adopting ASC 326	3,511
Provision for Credit Losses	5,449
Charge-offs	(4,275)
Recoveries	940
Allowance for Credit Losses	5,625
Allowance for Credit Losses	53,000
Impact of adopting ASC 326	2,158
Allosance for Credit Losses after Impact of adopting ASC 326	55,158
Provision for Credit Losses	56,690
Charge-offs	(63,347)
Recoveries	17,827
Allowance for Credit Losses	$ 66,328

2. LOANS_ Schedule of Allowan_2

2. LOANS: Schedule of Allowance for loan losses on a collectively evaluated, single portfolio segment basis (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Details
Allowance for Loan Losses, Starting Balance	$ 43,000,000	$ 42,500,000
Provision for Loan Losses	59,695,588	39,207,197
Charge-Offs	(66,682,422)	(53,570,647)
Recoveries	16,986,534	14,863,450
Allowance for Loan Losses, Ending Balance	53,000,000	43,000,000
Finance Receivables, Ending Balance	$ 840,458,743	$ 729,783,655

2. LOANS_ Schedule of Small h_2

2. LOANS: Schedule of Small homogeneous consumer loans (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Principal Balance	$ 917,441,698	$ 840,458,743
% Portfolio	100.00%	100.00%
Net Charge Offs	$ 45,519,971	$ 49,695,888
% Net Charge Offs	100.00%	100.00%
Cosumer Loans
Principal Balance	$ 775,713,298	$ 734,556,902
% Portfolio	84.50%	87.40%
Net Charge Offs	$ 42,142,861	$ 47,227,395
% Net Charge Offs	92.60%	95.00%
Real Estate Loans
Principal Balance	$ 39,293,179	$ 36,595,931
% Portfolio	4.30%	4.40%
Net Charge Offs	$ 41,751	$ 40,279
% Net Charge Offs	0.10%	0.10%
Sales Finance Contracts
Principal Balance	$ 102,435,221	$ 69,305,910
% Portfolio	11.20%	8.20%
Net Charge Offs	$ 3,335,359	$ 2,428,214
% Net Charge Offs	7.30%	4.90%

2. LOANS_ Troubled Debt Restr_2

2. LOANS: Troubled Debt Restructurings on Financing Receivables (Details)	12 Months Ended
	Dec. 31, 2020USD ($)
Year 2016
Financing Receivable, Modifications, Number of Contracts	14,960
Financing Receivable, Troubled Debt Restructuring, Premodification	$ 53,429,526
Financing Receivable, Troubled Debt Restructuring, Postmodification	$ 50,752,882
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	3,801
Financing Receivable, Troubled Debt Restructuring, Subsequent Default	$ 7,755,585
Year 2016 | Live Check Consumer Loans
Financing Receivable, Modifications, Number of Contracts	2,127
Financing Receivable, Troubled Debt Restructuring, Premodification	$ 3,688,912
Financing Receivable, Troubled Debt Restructuring, Postmodification	$ 3,588,117
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	787
Financing Receivable, Troubled Debt Restructuring, Subsequent Default	$ 1,248,879
Year 2016 | Premier Consumer Loans
Financing Receivable, Modifications, Number of Contracts	485
Financing Receivable, Troubled Debt Restructuring, Premodification	$ 3,185,328
Financing Receivable, Troubled Debt Restructuring, Postmodification	$ 3,090,506
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	92
Financing Receivable, Troubled Debt Restructuring, Subsequent Default	$ 480,080
Year 2016 | Other Consumer Loans
Financing Receivable, Modifications, Number of Contracts	11,463
Financing Receivable, Troubled Debt Restructuring, Premodification	$ 41,709,966
Financing Receivable, Troubled Debt Restructuring, Postmodification	$ 39,405,511
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	2,735
Financing Receivable, Troubled Debt Restructuring, Subsequent Default	$ 5,523,962
Year 2016 | Real Estate Loans
Financing Receivable, Modifications, Number of Contracts	39
Financing Receivable, Troubled Debt Restructuring, Premodification	$ 465,759
Financing Receivable, Troubled Debt Restructuring, Postmodification	$ 453,611
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	4
Financing Receivable, Troubled Debt Restructuring, Subsequent Default	$ 27,476
Year 2016 | Sales Finance Contracts
Financing Receivable, Modifications, Number of Contracts	846
Financing Receivable, Troubled Debt Restructuring, Premodification	$ 4,379,561
Financing Receivable, Troubled Debt Restructuring, Postmodification	$ 4,215,137
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	183
Financing Receivable, Troubled Debt Restructuring, Subsequent Default	$ 475,188
Year 2015
Financing Receivable, Modifications, Number of Contracts	19,600
Financing Receivable, Troubled Debt Restructuring, Premodification	$ 59,122,933
Financing Receivable, Troubled Debt Restructuring, Postmodification	$ 56,655,858
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	6,076
Financing Receivable, Troubled Debt Restructuring, Subsequent Default	$ 11,129,200
Year 2015 | Real Estate Loans
Financing Receivable, Modifications, Number of Contracts	50
Financing Receivable, Troubled Debt Restructuring, Premodification	$ 698,205
Financing Receivable, Troubled Debt Restructuring, Postmodification	$ 695,693
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	0
Financing Receivable, Troubled Debt Restructuring, Subsequent Default	$ 0
Year 2015 | Sales Finance Contracts
Financing Receivable, Modifications, Number of Contracts	870
Financing Receivable, Troubled Debt Restructuring, Premodification	$ 3,226,704
Financing Receivable, Troubled Debt Restructuring, Postmodification	$ 3,086,441
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	222
Financing Receivable, Troubled Debt Restructuring, Subsequent Default	$ 546,101
Year 2015 | Cosumer Loans
Financing Receivable, Modifications, Number of Contracts	18,680
Financing Receivable, Troubled Debt Restructuring, Premodification	$ 55,198,024
Financing Receivable, Troubled Debt Restructuring, Postmodification	$ 52,873,724
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	5,854
Financing Receivable, Troubled Debt Restructuring, Subsequent Default	$ 10,583,099
Year 2014
Financing Receivable, Modifications, Number of Contracts	17,209
Financing Receivable, Troubled Debt Restructuring, Premodification	$ 44,782,150
Financing Receivable, Troubled Debt Restructuring, Postmodification	$ 43,300,119
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	4,770
Financing Receivable, Troubled Debt Restructuring, Subsequent Default	$ 7,673,790
Year 2014 | Real Estate Loans
Financing Receivable, Modifications, Number of Contracts	51
Financing Receivable, Troubled Debt Restructuring, Premodification	$ 468,208
Financing Receivable, Troubled Debt Restructuring, Postmodification	$ 458,496
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	1
Financing Receivable, Troubled Debt Restructuring, Subsequent Default	$ 4,233
Year 2014 | Sales Finance Contracts
Financing Receivable, Modifications, Number of Contracts	685
Financing Receivable, Troubled Debt Restructuring, Premodification	$ 1,742,532
Financing Receivable, Troubled Debt Restructuring, Postmodification	$ 1,671,991
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	144
Financing Receivable, Troubled Debt Restructuring, Subsequent Default	$ 304,882
Year 2014 | Cosumer Loans
Financing Receivable, Modifications, Number of Contracts	16,473
Financing Receivable, Troubled Debt Restructuring, Premodification	$ 42,571,410
Financing Receivable, Troubled Debt Restructuring, Postmodification	$ 41,169,632
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	4,625
Financing Receivable, Troubled Debt Restructuring, Subsequent Default	$ 7,364,675

3. INVESTMENT SECURITIES (Detai

3. INVESTMENT SECURITIES (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Details
Available for Sale Securities, Basis for Valuation	Investment securities available for sale are carried at estimated fair market value.
Proceeds from Sale of Securities, Operating Activities		$ 14,873,211
Proceeds from redemptions of investment securities due to the exercise of call provisions by the issuers thereof		9,545,000
Gross Gains realized from Proceeds from redemptions of investment securities due to the exercise of call provisions by the issuers thereof		$ 38,130

3. INVESTMENT SECURITIES_ Ava_2

3. INVESTMENT SECURITIES: Available-for-sale Securities (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Available-for-sale Securities, Amortized Cost Basis	$ 204,330,167	$ 192,370,566
Available-for-sale Securities, Gross Unrealized Gain	16,725,273	12,111,048
Available-for-sale Securities, Gross Unrealized Loss	(1,022)	(24,092)
Available-for-sale Securities, Estimated Fair Value	221,054,418	204,457,522
US States and Political Subdivisions Debt Securities
Available-for-sale Securities, Amortized Cost Basis	204,199,851	192,240,250
Available-for-sale Securities, Gross Unrealized Gain	16,464,476	11,796,039
Available-for-sale Securities, Gross Unrealized Loss	(1,022)	(24,092)
Available-for-sale Securities, Estimated Fair Value	220,663,305	204,012,197
Corporate Debt Securities
Available-for-sale Securities, Amortized Cost Basis	130,316	130,316
Available-for-sale Securities, Gross Unrealized Gain	260,797	315,009
Available-for-sale Securities, Gross Unrealized Loss	0	0
Available-for-sale Securities, Estimated Fair Value	$ 391,113	$ 445,325

3. INVESTMENT SECURITIES_ Hel_2

3. INVESTMENT SECURITIES: Held-to-maturity Securities (Details) - USD ($)		Dec. 31, 2020	Dec. 31, 2019
Held to Maturity, at amortized cost	[1]	$ 379,002	$ 380,561
US States and Political Subdivisions Debt Securities
Held to Maturity, at amortized cost		379,002	380,561
Held-to-maturity Securities, Unrecognized Holding Gain		1,848	8,959
Held-to-maturity Securities, Unrecognized Holding Loss		0	0
Debt Securities, Held-to-maturity, Fair Value		$ 380,850	$ 389,520
[1]	See Note 3.

3. INVESTMENT SECURITIES_ Inv_2

3. INVESTMENT SECURITIES: Investments Classified by Contractual Maturity Date (Details)	Dec. 31, 2020USD ($)
Details
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One	$ 971,354
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	1,234,597
Debt Securities, Held-to-Maturity, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One	0
Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	0
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five	5,668,206
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	5,781,356
Debt Securities, Held-to-Maturity, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five	379,002
Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	380,850
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	22,551,147
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	23,863,176
Debt Securities, Held-to-Maturity, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	0
Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	0
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10	175,139,460
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10	190,175,289
Debt Securities, Held-to-Maturity, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10	0
Debt Securities, Held-to-Maturity, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10	0
Available-for-sale Securities, Debt Maturities, Amortized Cost	204,330,167
Debt Securities, Available-for-sale, Maturity, without Single Maturity Date, Fair Value	221,054,418
Debt Securities, Held-to-maturity, Maturity, without Single Maturity Date, Amortized Cost	379,002
Held-to-maturity Securities, Debt Maturities, Fair Value	$ 380,850

3. INVESTMENT SECURITIES_ Sch_2

3. INVESTMENT SECURITIES: Schedule of Investment Securities, Fair Value and Unrealized Losses (Details) - US States and Political Subdivisions Debt Securities - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value	$ 920,927	$ 1,206,656
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss	(1,022)	(18,941)
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value	0	986,642
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss	$ 0	$ (5,151)

4. FAIR VALUE_ Fair Value Mea_2

4. FAIR VALUE: Fair Value Measurements, by Fair Value hierarchy (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Corporate Debt Securities
Investments, Fair Value Disclosure	$ 391,113	$ 445,325
US States and Political Subdivisions Debt Securities
Investments, Fair Value Disclosure	220,663,305	204,012,195
Investments, Fair Value Disclosure	221,054,418	204,457,520
Fair Value, Inputs, Level 1 | Corporate Debt Securities
Investments, Fair Value Disclosure	391,113	445,325
Fair Value, Inputs, Level 1 | US States and Political Subdivisions Debt Securities
Investments, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 1
Investments, Fair Value Disclosure	391,113	445,325
Fair Value, Inputs, Level 2 | Corporate Debt Securities
Investments, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 2 | US States and Political Subdivisions Debt Securities
Investments, Fair Value Disclosure	220,663,305	204,012,195
Fair Value, Inputs, Level 2
Investments, Fair Value Disclosure	220,663,305	204,012,195
Fair Value, Inputs, Level 3 | Corporate Debt Securities
Investments, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3 | US States and Political Subdivisions Debt Securities
Investments, Fair Value Disclosure	0	0
Fair Value, Inputs, Level 3
Investments, Fair Value Disclosure	$ 0	$ 0

5. INSURANCE SUBSIDIARY RESTR_2

5. INSURANCE SUBSIDIARY RESTRICTIONS (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Percentage of Cash and cash equivalents and investment securities were maintained in the Company's insurance subsidiaries	97.00%	98.00%
Frandisco Property and Casualty Insurance Company
Statutory Accounting Practices, Statutory Capital and Surplus Required	$ 110.8
Frandisco Life Insurance Company
Statutory Accounting Practices, Statutory Capital and Surplus Required	$ 86.6

6. SENIOR DEBT (Details)

6. SENIOR DEBT (Details) - Senior Debt Obligations - Wells Fargo Preferred Capital, Inc. - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Line of Credit Facility, Initiation Date	Sep. 11, 2009
Line of Credit Facility, Borrowing Capacity, Description	As amended to date, the credit agreement provides for borrowings and reborrowing’s of up to $230.0 million, subject to certain limitations, and all borrowings are secured by the finance receivables of the Company
Line of Credit Facility, Maximum Borrowing Capacity	$ 230
Line of Credit Facility, Covenant Terms	The credit agreement contains covenants customary for financing transactions of this type
Line of Credit Facility, Current Borrowing Capacity	$ 111.1	$ 88.7
Line of Credit Facility, Interest Rate During Period	3.50%	4.45%
Line of Credit Facility, Commitment Fee Description	Available but unborrowed amounts under the credit agreement are subject to a periodic unused line fee of .50%
Line of Credit Facility, Interest Rate Description	The interest rate under the credit agreement is equivalent to the greater of (a) .75% per annum plus the Applicable Margin or (b) the one month London Interbank Offered Rate (the “LIBOR Rate”) plus the Applicable Margin. The LIBOR Rate is adjusted on the first day of each calendar month based upon the LIBOR Rate as of the last day of the preceding calendar month.
Line of Credit Facility, Expiration Date	Feb. 28, 2022

6. SENIOR DEBT_ Schedule of S_2

6. SENIOR DEBT: Schedule of Senior Debt (Details) - Senior Notes - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Debt, Weighted Average Interest Rate	3.25%	3.45%	3.19%
Short-term Debt, Maximum Amount Outstanding During Period	$ 636,784	$ 590,205	$ 499,666
Short-term Debt, Average Outstanding Amount	$ 593,871	$ 536,402	$ 445,628
Debt, Weighted Average Interest Rate during period	3.42%	3.48%	2.92%
Bank Borrowings
Debt, Weighted Average Interest Rate	3.50%	4.45%	5.74%
Short-term Debt, Maximum Amount Outstanding During Period	$ 123,256	$ 111,350	$ 53,180
Short-term Debt, Average Outstanding Amount	$ 104,206	$ 73,307	$ 6,999
Debt, Weighted Average Interest Rate during period	4.38%	5.60%	5.21%
Senior Demand Notes
Debt, Weighted Average Interest Rate	1.90%	1.89%	1.64%
Short-term Debt, Maximum Amount Outstanding During Period	$ 87,413	$ 76,204	$ 77,731
Short-term Debt, Average Outstanding Amount	$ 82,509	$ 73,498	$ 74,267
Debt, Weighted Average Interest Rate during period	1.90%	1.87%	1.52%
Commercial Paper
Debt, Weighted Average Interest Rate	3.45%	3.47%	3.13%
Short-term Debt, Maximum Amount Outstanding During Period	$ 431,314	$ 402,651	$ 373,167
Short-term Debt, Average Outstanding Amount	$ 407,156	$ 389,597	$ 364,362
Debt, Weighted Average Interest Rate during period	3.48%	3.38%	3.01%

7. SUBORDINATED DEBT (Details)

7. SUBORDINATED DEBT (Details) - Subordinated Debt	12 Months Ended
	Dec. 31, 2020
Long-term Debt, Description	Subordinated debt consists of Variable Rate Subordinated Debentures issued from time to time by the Company, and which mature four years after their date of issue
Debt Instrument, Maturity Date, Description	The maturity date is automatically extended for an additional four year term unless the holder or the Company redeems the debenture on its original maturity date or within any applicable grace period thereafter
Debt Instrument, Interest Rate Terms	. Interest rates on the debentures automatically adjust at the end of each adjustment period.
Debt Instrument, Call Feature	The Company may redeem the debentures for a price equal to 100% of the principal plus accrued but unpaid interest upon 30 days’ notice to the holder

7. SUBORDINATED DEBT_ Schedul_2

7. SUBORDINATED DEBT: Schedule of Subordinated Debt Interest Rates (Details) - Subordinated Debt	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Debt, Weighted Average Interest Rate	3.10%	2.96%	2.70%
Debt, Weighted Average Interest Rate during period	3.01%	2.81%	2.66%

7. SUBORDINATED DEBT_ Maturit_2

7. SUBORDINATED DEBT: Maturity and redemption information relating to Subordinated Debt (Details) - Subordinated Debt	12 Months Ended
	Dec. 31, 2020USD ($)
Based on Maturity Date
Amount Maturing or Redeemable at Option of Holder	$ 30,075,399
Based on Maturity Date | 2021
Amount Maturing or Redeemable at Option of Holder	6,068,119
Based on Maturity Date | 2022
Amount Maturing or Redeemable at Option of Holder	5,219,163
Based on Maturity Date | 2023
Amount Maturing or Redeemable at Option of Holder	9,010,098
Based on Maturity Date | 2024
Amount Maturing or Redeemable at Option of Holder	9,778,019
Based on Interest Adjustment Period
Amount Maturing or Redeemable at Option of Holder	30,075,399
Based on Interest Adjustment Period | 2021
Amount Maturing or Redeemable at Option of Holder	16,410,974
Based on Interest Adjustment Period | 2022
Amount Maturing or Redeemable at Option of Holder	7,405,587
Based on Interest Adjustment Period | 2023
Amount Maturing or Redeemable at Option of Holder	2,940,375
Based on Interest Adjustment Period | 2024
Amount Maturing or Redeemable at Option of Holder	$ 3,318,463

8. LEASES_ Schedule of lease _2

8. LEASES: Schedule of lease expense and other information related to Operating Leases (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Operating lease expense	$ 7,226,361	$ 6,721,970
Operating cash flows from operating leases	$ 7,055,046	$ 6,564,569
Weighted-average remaining lease term –operating leases (in years)	7 years 25 days	6 years 10 months 10 days
Weighted-average discount rate –operating leases	4.92%	5.67%
Lease Maturity	$ 40,196,270	$ 38,127,700
Lease Maturity, Interest	(6,033,117)	(6,472,138)
Present Value of Lease Liability	34,163,153	31,655,562
2021
Lease Maturity	6,982,155	6,823,468
2022
Lease Maturity	6,444,448	6,152,783
2023
Lease Maturity	5,577,917	5,556,754
2024
Lease Maturity	4,846,460	4,737,533
2025
Lease Maturity	4,489,926	4,008,787
2026 and beyond
Lease Maturity	$ 11,855,364	$ 10,848,375

10. EMPLOYEE BENEFIT PLANS (Det

10. EMPLOYEE BENEFIT PLANS (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Details
Retirement Benefits, Description	The Company maintains a 401(k) plan, which is qualified under Section 401(a) and Section 401(k) of the Internal Revenue Code of 1986 (the “Code”), as amended, to cover employees of the Company.
Defined Contribution Plan, Description	Any employee who is 18 years of age or older is eligible to participate in the 401(k) plan on the first day of the month following the completion of one complete calendar month of continuous employment and the Company begins matching up to 4.50% of an employee’s deferred contribution, up to 6.00% of their total compensation
Payment for Pension and Other Postretirement Benefits	$ 2,505,468	$ 2,482,686	$ 2,273,130

11. RELATED PARTY TRANSACTIONS

11. RELATED PARTY TRANSACTIONS (Details)	12 Months Ended
	Dec. 31, 2020USD ($)
Beneficial Owner, David W. Cheek
Related Party Transaction, Description of Transaction	outstanding loan to a real estate development partnership
Accounts Payable, Related Parties, Current	$ 1,741,502
Trustee of an executive officer's irrevocable life insurance trust
Related Party Transaction, Description of Transaction	Effective September 23, 1995, the Company entered into a Split-Dollar Life Insurance Agreement with the Trustee of an executive officer’s irrevocable life insurance trust
Accounts Payable, Related Parties, Current	$ 434,550

12. INCOME TAXES_ Schedule of_2

12. INCOME TAXES: Schedule of Components of Income Tax Expense (Benefit) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Details
Current Federal Tax Expense (Benefit)	$ 3,024,953	$ 3,207,966	$ 2,689,220
Current State and Local Tax Expense (Benefit)	205,779	126,466	0
Current Income Tax Expense (Benefit)	3,230,732	3,334,432	2,689,220
Deferred Federal Income Tax Expense (Benefit)	156,075	444,780	522,773
Other Income Tax Expense (Benefit), Continuing Operations	$ 3,386,807	$ 3,779,212	$ 3,211,993

12. INCOME TAXES_ Schedule of_3

12. INCOME TAXES: Schedule of Deferred Tax Assets and Liabilities (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Details
Deferred Tax Assets (Liabilities), Insurance Commissions	$ (4,459,805)	$ (4,284,082)
Deferred Tax Assets (Liabilities), Unearned Premium Reserves	1,937,163	1,848,978
Deferred Acquisition Cost Amortization	(1,336,728)	(1,221,520)
SPAE Capitalization	27,107	32,616
STAT & Tax Reserve	551,919	502,808
GAAP/STAT Premium Tax	(205,280)	(201,996)
Deferred Tax Assets (Liabilities), Unrealized Gain on Marketable Debt Securities	(3,457,325)	(2,472,109)
Deferred Tax Liabilities, Other	(53,948)	(60,301)
Deferred Tax Liabilities, Net	$ (6,996,897)	$ (5,855,606)

12. INCOME TAXES_ Schedule of_4

12. INCOME TAXES: Schedule of Income Tax Rate Reconciliation (Details)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Details
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	21.00%	21.00%	21.00%
Tax Reform Act Impact	0.00%	0.00%	0.00%
Tax effect of S corporation status	1.00%	6.70%	(0.40%)
Tax exempt income	(5.50%)	(6.40%)	(5.10%)
Miscellaneous	1.10%	0.80%	0.10%
Effective Income Tax Rate Reconciliation, Percent	17.60%	22.10%	15.60%

13. SEGMENT FINANCIAL INFORMA_3

13. SEGMENT FINANCIAL INFORMATION: Schedule of Segment Reporting Information, by Segment (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Revenues
Segment Reporting, Finance Charges Earned		$ 213,000	$ 200,400	$ 172,700
Segment Reporting, Insurance Income		40,100	41,700	37,100
Segment Reporting, Other Income		5,200	6,000	5,700
Represents the monetary amount of SegmentReportingInformationRevenue1, during the indicated time period.		258,300	248,100	215,500
Operating Costs and Expenses
Segment Reporting, Interest Cost		21,600	19,700	14,000
Segment Reporting, Provision for Loan Losses		45,500	49,700	38,600
Segment Reporting, Depreciation		3,400	3,400	3,200
Segment Reporting, Other Expenses		97,800	96,100	88,500
Segment Reporting, Total Expenses		168,300	168,900	144,300
Segment Reporting, Profit		90,000	79,200	71,200
Assets
Segment Reporting, Net Receivables		758,800	697,400	610,000
Segment Reporting, Cash		3,900	2,300	2,600
Segment Reporting, Net fixed assets		8,400	9,100	7,900
Segment Reporting, Other assets		33,600	31,600	600
Segment Reporting Information, Net Assets		804,700	740,400	621,100
Segment Reconciliation, Total revenues from reportable segments		258,300	248,100	215,500
Segment Reconciliation, Corporate finance charges earned not allocated to segments		100	100	100
Corporate investment income earned not allocated to segments		6,900	7,400	7,200
Segment Reconciliation, Timing difference of insurance income allocation to segments		97	7,700	7,200
Segment Reconciliation, Other revenues not allocated to segments		2,000	0	100
Segment Reconciliation, Consolidated Revenues	[1]	275,200	263,300	230,100
Net Income (Loss) Attributable to Parent
Segment Reconciliation, Total profit or loss for reportable segments		90,000	79,200	71,200
Segment Reconciliation, Corporate earnings not allocated		16,800	15,200	14,500
Segment Reconciliation, Corporate expenses not allocated		(87,500)	(77,300)	(65,200)
Segment Reconciliation, Consolidated Income Before Income Taxes		19,300	17,100	20,500
Segment Reconciliation, Total assets for reportable segments		804,700	740,400	621,100
Segment Reconciliation, Loans held at corporate level		2,200	2,400	2,400
Segment Reconciliation, Unearned insurance at corporate levelvel		(33,800)	(31,600)	(27,300)
Segment Reconciliation, Allowance for loan losses at corporate level		(66,300)	(53,000)	(43,000)
Segment Reconciliation, Cash and cash equivalents held at corporate level		63,800	56,100	11,400
Segment Reconciliation, Investment securities at corporate level		221,400	204,900	213,000
Segment Reconciliation, Fixed assets at corporate level		5,100	6,300	7,500
Segment Reconciliation, Other assets at corporate level		16,600	13,700	11,300
Segment Reconciliation, Consolidated Assets		1,013,700	939,200	796,400
Division I
Revenues
Segment Reporting, Finance Charges Earned		33,400	32,300	26,200
Segment Reporting, Insurance Income		4,800	5,300	4,400
Segment Reporting, Other Income		100	100	100
Represents the monetary amount of SegmentReportingInformationRevenue1, during the indicated time period.		38,300	37,700	30,700
Operating Costs and Expenses
Segment Reporting, Interest Cost		3,000	2,800	1,900
Segment Reporting, Provision for Loan Losses		8,500	8,400	5,400
Segment Reporting, Depreciation		400	500	500
Segment Reporting, Other Expenses		13,500	13,300	12,600
Segment Reporting, Total Expenses		25,400	25,000	20,400
Segment Reporting, Profit		12,900	12,700	10,300
Assets
Segment Reporting, Net Receivables		102,600	100,300	85,000
Segment Reporting, Cash		500	200	300
Segment Reporting, Net fixed assets		700	1,000	1,000
Segment Reporting, Other assets		3,200	3,500	0
Segment Reporting Information, Net Assets		107,000	105,000	86,300
Division II
Revenues
Segment Reporting, Finance Charges Earned		28,600	29,000	26,300
Segment Reporting, Insurance Income		6,700	6,800	6,000
Segment Reporting, Other Income		800	1,100	1,000
Represents the monetary amount of SegmentReportingInformationRevenue1, during the indicated time period.		36,100	36,900	33,300
Operating Costs and Expenses
Segment Reporting, Interest Cost		3,100	3,000	2,200
Segment Reporting, Provision for Loan Losses		4,700	6,100	4,900
Segment Reporting, Depreciation		400	400	500
Segment Reporting, Other Expenses		12,800	12,800	12,200
Segment Reporting, Total Expenses		21,000	22,300	19,800
Segment Reporting, Profit		15,100	14,600	13,500
Assets
Segment Reporting, Net Receivables		106,200	103,100	95,300
Segment Reporting, Cash		500	300	400
Segment Reporting, Net fixed assets		800	1,000	1,100
Segment Reporting, Other assets		4,600	4,800	0
Segment Reporting Information, Net Assets		112,100	109,200	96,800
Division III
Revenues
Segment Reporting, Finance Charges Earned		30,300	26,900	24,500
Segment Reporting, Insurance Income		8,300	8,100	7,600
Segment Reporting, Other Income		1,000	1,000	1,100
Represents the monetary amount of SegmentReportingInformationRevenue1, during the indicated time period.		39,600	36,000	33,200
Operating Costs and Expenses
Segment Reporting, Interest Cost		3,200	2,800	2,100
Segment Reporting, Provision for Loan Losses		6,000	5,900	5,400
Segment Reporting, Depreciation		300	300	300
Segment Reporting, Other Expenses		12,900	12,500	12,000
Segment Reporting, Total Expenses		22,400	21,500	19,800
Segment Reporting, Profit		17,200	14,500	13,400
Assets
Segment Reporting, Net Receivables		111,300	99,400	88,200
Segment Reporting, Cash		700	400	400
Segment Reporting, Net fixed assets		900	700	700
Segment Reporting, Other assets		4,300	3,400	100
Segment Reporting Information, Net Assets		117,200	103,900	89,400
Division IV
Revenues
Segment Reporting, Finance Charges Earned		34,000	32,400	29,700
Segment Reporting, Insurance Income		4,200	4,400	4,200
Segment Reporting, Other Income		1,100	1,100	1,000
Represents the monetary amount of SegmentReportingInformationRevenue1, during the indicated time period.		39,300	37,900	34,900
Operating Costs and Expenses
Segment Reporting, Interest Cost		3,600	3,300	2,500
Segment Reporting, Provision for Loan Losses		6,600	8,200	7,100
Segment Reporting, Depreciation		500	500	500
Segment Reporting, Other Expenses		14,300	14,200	13,200
Segment Reporting, Total Expenses		25,000	26,200	23,300
Segment Reporting, Profit		14,300	11,700	11,600
Assets
Segment Reporting, Net Receivables		128,900	116,400	105,400
Segment Reporting, Cash		600	400	400
Segment Reporting, Net fixed assets		1,400	1,400	1,400
Segment Reporting, Other assets		5,700	5,400	200
Segment Reporting Information, Net Assets		136,600	123,600	107,400
Division V
Revenues
Segment Reporting, Finance Charges Earned		21,500	19,000	17,000
Segment Reporting, Insurance Income		3,800	3,500	3,200
Segment Reporting, Other Income		600	700	600
Represents the monetary amount of SegmentReportingInformationRevenue1, during the indicated time period.		25,900	23,200	20,800
Operating Costs and Expenses
Segment Reporting, Interest Cost		2,000	1,800	1,300
Segment Reporting, Provision for Loan Losses		4,400	5,000	3,800
Segment Reporting, Depreciation		500	400	300
Segment Reporting, Other Expenses		10,400	10,300	9,500
Segment Reporting, Total Expenses		17,300	17,500	14,900
Segment Reporting, Profit		8,600	5,700	5,900
Assets
Segment Reporting, Net Receivables		71,300	63,200	55,000
Segment Reporting, Cash		500	300	300
Segment Reporting, Net fixed assets		1,600	1,600	900
Segment Reporting, Other assets		3,700	3,200	100
Segment Reporting Information, Net Assets		77,100	68,300	56,300
Division VII
Revenues
Segment Reporting, Finance Charges Earned		21,500	18,800	13,100
Segment Reporting, Insurance Income		3,200	3,200	2,500
Segment Reporting, Other Income		500	500	400
Represents the monetary amount of SegmentReportingInformationRevenue1, during the indicated time period.		25,200	22,500	16,000
Operating Costs and Expenses
Segment Reporting, Interest Cost		2,200	1,800	1,100
Segment Reporting, Provision for Loan Losses		5,900	5,900	3,800
Segment Reporting, Depreciation		500	400	300
Segment Reporting, Other Expenses		10,200	9,800	8,200
Segment Reporting, Total Expenses		18,800	17,900	13,400
Segment Reporting, Profit		6,400	4,600	2,600
Assets
Segment Reporting, Net Receivables		76,500	67,800	53,800
Segment Reporting, Cash		300	200	200
Segment Reporting, Net fixed assets		1,200	1,400	1,000
Segment Reporting, Other assets		4,300	3,700	0
Segment Reporting Information, Net Assets		82,300	73,100	55,000
Division VIII
Revenues
Segment Reporting, Finance Charges Earned		17,200	15,900	13,000
Segment Reporting, Insurance Income		3,800	3,700	3,000
Segment Reporting, Other Income		400	500	500
Represents the monetary amount of SegmentReportingInformationRevenue1, during the indicated time period.		21,400	20,100	16,500
Operating Costs and Expenses
Segment Reporting, Interest Cost		1,700	1,500	1,000
Segment Reporting, Provision for Loan Losses		4,500	4,100	3,100
Segment Reporting, Depreciation		300	400	300
Segment Reporting, Other Expenses		10,600	10,100	8,800
Segment Reporting, Total Expenses		17,100	16,100	13,200
Segment Reporting, Profit		4,300	4,000	3,300
Assets
Segment Reporting, Net Receivables		64,700	54,800	44,400
Segment Reporting, Cash		400	200	300
Segment Reporting, Net fixed assets		900	900	700
Segment Reporting, Other assets		3,300	3,200	100
Segment Reporting Information, Net Assets		69,300	59,100	45,500
Division IX
Revenues
Segment Reporting, Finance Charges Earned		26,500	26,100	22,900
Segment Reporting, Insurance Income		5,300	6,700	6,200
Segment Reporting, Other Income		700	1,000	1,000
Represents the monetary amount of SegmentReportingInformationRevenue1, during the indicated time period.		32,500	33,800	30,100
Operating Costs and Expenses
Segment Reporting, Interest Cost		2,800	2,700	1,900
Segment Reporting, Provision for Loan Losses		4,900	6,100	5,100
Segment Reporting, Depreciation		500	500	500
Segment Reporting, Other Expenses		13,100	13,100	12,000
Segment Reporting, Total Expenses		21,300	22,400	19,500
Segment Reporting, Profit		11,200	11,400	10,600
Assets
Segment Reporting, Net Receivables		97,300	92,400	82,900
Segment Reporting, Cash		400	300	300
Segment Reporting, Net fixed assets		900	1,100	1,100
Segment Reporting, Other assets		4,500	4,400	100
Segment Reporting Information, Net Assets		$ 103,100	$ 98,200	$ 84,400
[1]	Includes Finance Charge Income, Investment Income, Insurance Premium Revenues and Other Revenue.