Company: CPSS
Filing Date: 2025-08-11
Form Type: 10-Q
Source: 0001683168-25-005901
Chunk: 39

Company: CONSUMER PORTFOLIO SERVICES, INC.
Filing Date: 2025-08-11
Form: 10-Q
Item: Part I, Item 8
Chunk 39
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    Interest  
    Yield/Rate  
    Balance (1)  
    Interest  
    Yield/Rate 
  
    Interest Earning Assets 

    Loan Portfolio 
    $3,682,959  
    $105,362  
     11.4%  
    $3,122,278  
    $88,367  
     11.3% 

    Interest Bearing Liabilities 

    Warehouse lines of credit 
     353,153  
    $8,216  
     9.3%  
    $215,403  
     5,702  
     10.6% 
  
    Residual interest financing 
     165,000  
     4,247  
     10.3%  
     100,000  
     2,538  
     10.2% 
  
    Securitization trust debt 
     2,811,906  
     45,557  
     6.5%  
     2,555,220  
     37,928  
     5.9% 
  
    Subordinated renewable notes 
     28,035  
     684  
     9.8%  
     22,259  
     542  
     9.7% 

    $3,358,094  
     58,704  
     7.0%  
    $2,892,882  
     46,710  
     6.5% 

    Net interest income/spread 
        
    $46,658  

    $41,657  

    Net interest yield (2) 

     5.1%  

     5.3% 
  
    Ratio of average interest earning assets to average interest bearing liabilities 

     110%  

     108% 

(1)  Average balances are based on month end balances except for warehouse lines of credit, which are based on daily balances.

(2)  Annualized net interest income
divided by average interest earning assets.

    Three Months Ended June 30, 2025Compared to June 30, 2024 

    Total  
    Change Due  
    Change Due 

    Change  
    to Volume