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Atlanticus Holdings Corp – ‘10-Q’ for 3/31/20 – ‘EX-101.CAL’

On:  Friday, 5/15/20, at 4:44pm ET   ·   For:  3/31/20   ·   Accession #:  1437749-20-11023   ·   File #:  0-53717

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  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 5/15/20  Atlanticus Holdings Corp          10-Q        3/31/20   79:9.4M                                   RDG Filings/FA

Quarterly Report   —   Form 10-Q   —   Sect. 13 / 15(d) – SEA’34
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 10-Q        Quarterly Report                                    HTML    969K 
 2: EX-31.1     Certification -- §302 - SOA'02                      HTML     30K 
 3: EX-31.2     Certification -- §302 - SOA'02                      HTML     30K 
 4: EX-32.1     Certification -- §906 - SOA'02                      HTML     27K 
53: R1          Document And Entity Information                     HTML     58K 
14: R2          Consolidated Balance Sheets (Current Period         HTML    149K 
                Unaudited)                                                       
35: R3          Consolidated Balance Sheets (Current Period         HTML     77K 
                Unaudited) (Parentheticals)                                      
64: R4          Consolidated Statements of Operations (Unaudited)   HTML    143K 
51: R5          Consolidated Statements of Comprehensive Income     HTML     55K 
                (Unaudited)                                                      
12: R6          Consolidated Statements of Shareholders' Equity     HTML     92K 
                (Deficit) (Unaudited)                                            
33: R7          Consolidated Statements of Cash Flows (Unaudited)   HTML    132K 
62: R8          Note 1 - Description of Our Business                HTML     36K 
55: R9          Note 2 - Significant Accounting Policies and        HTML    275K 
                Consolidated Financial Statement Components                      
37: R10         Note 3 - Segment Reporting                          HTML     90K 
15: R11         Note 4 - Shareholders' Equity and Preferred Stock   HTML     40K 
60: R12         Note 5 - Investment in Equity-method Investee       HTML     45K 
70: R13         Note 6 - Fair Values of Assets and Liabilities      HTML    210K 
38: R14         Note 7 - Variable Interest Entities                 HTML     47K 
16: R15         Note 8 - Leases                                     HTML     60K 
61: R16         Note 9 - Notes Payable                              HTML     96K 
71: R17         Note 10 - Convertible Senior Notes                  HTML     41K 
36: R18         Note 11 - Commitments and Contingencies             HTML     37K 
17: R19         Note 12 - Net Income Attributable to Controlling    HTML     54K 
                Interests Per Common Share                                       
41: R20         Note 13 - Stock-based Compensation                  HTML     54K 
74: R21         Significant Accounting Policies (Policies)          HTML    293K 
26: R22         Note 2 - Significant Accounting Policies and        HTML    228K 
                Consolidated Financial Statement Components                      
                (Tables)                                                         
20: R23         Note 3 - Segment Reporting (Tables)                 HTML     83K 
42: R24         Note 5 - Investment in Equity-method Investee       HTML     43K 
                (Tables)                                                         
75: R25         Note 6 - Fair Values of Assets and Liabilities      HTML    196K 
                (Tables)                                                         
27: R26         Note 7 - Variable Interest Entities (Tables)        HTML     48K 
21: R27         Note 8 - Leases (Tables)                            HTML     59K 
44: R28         Note 9 - Notes Payable (Tables)                     HTML     65K 
73: R29         Note 10 - Convertible Senior Notes (Tables)         HTML     42K 
68: R30         Note 12 - Net Income Attributable to Controlling    HTML     48K 
                Interests Per Common Share (Tables)                              
59: R31         Note 13 - Stock-based Compensation (Tables)         HTML     45K 
19: R32         Note 1 - Description of Our Business (Details       HTML     25K 
                Textual)                                                         
40: R33         Note 2 - Significant Accounting Policies and        HTML     66K 
                Consolidated Financial Statement Components                      
                (Details Textual)                                                
67: R34         Note 2 - Significant Accounting Policies and        HTML     72K 
                Consolidated Financial Statement Components -                    
                Summary of Allowance for Uncollectible Loans and                 
                Fees Receivable (Details)                                        
58: R35         Note 2 - Significant Accounting Policies and        HTML     58K 
                Consolidated Financial Statement Components -                    
                Summary of Aging of Delinquent Loans and Fees                    
                Receivable (Details)                                             
18: R36         Note 2 - Significant Accounting Policies and        HTML     52K 
                Consolidated Financial Statement Components -                    
                Summary of Troubled Debt Restructurings (Details)                
39: R37         Note 2 - Significant Accounting Policies and        HTML     34K 
                Consolidated Financial Statement Components -                    
                Summary of Fees and Related Income on Earning                    
                Assets (Details)                                                 
69: R38         Note 2 - Significant Accounting Policies and        HTML     45K 
                Consolidated Financial Statement Components -                    
                Components of Revenue from Contracts with                        
                Customers (Details)                                              
57: R39         Note 3 - Segment Reporting (Details Textual)        HTML     33K 
78: R40         Note 3 - Segment Reporting - Summary of Operating   HTML     83K 
                Segment Information (Details)                                    
49: R41         Note 4 - Shareholders' Equity and Preferred Stock   HTML     76K 
                (Details Textual)                                                
23: R42         Note 5 - Investment in Equity-method Investee       HTML     27K 
                (Details Textual)                                                
29: R43         Note 5 - Investment in Equity-method Investee -     HTML     79K 
                Summary of Equity-method Investee (Details)                      
77: R44         Note 6 - Fair Values of Assets and Liabilities      HTML     27K 
                (Details Textual)                                                
48: R45         Note 6 - Fair Values of Assets and Liabilities -    HTML     39K 
                Summary of Fair Value Hierarchy for Assets                       
                (Details)                                                        
22: R46         Note 6 - Fair Values of Assets and Liabilities -    HTML     36K 
                Reconciliation of Level 3 Assets (Details)                       
28: R47         Note 6 - Fair Values of Assets and Liabilities -    HTML     58K 
                Quantitative Information about Level 3 Assets and                
                Liabilities Fair Value Measurements (Details)                    
79: R48         Note 6 - Fair Values of Assets and Liabilities -    HTML     48K 
                Summary of Fair Value Hierarchy for Liabilities                  
                (Details)                                                        
47: R49         Note 6 - Fair Values of Assets and Liabilities -    HTML     31K 
                Reconciliation of Level 3 Liabilities (Details)                  
52: R50         Note 6 - Fair Values of Assets and Liabilities -    HTML     42K 
                Summary of Other Relevant Data (Details)                         
65: R51         Note 7 - Variable Interest Entities - Summary of    HTML     63K 
                Variable Interest Entities (Details)                             
32: R52         Note 8 - Leases (Details Textual)                   HTML     30K 
11: R53         Note 8 - Leases - Lease Cost (Details)              HTML     40K 
54: R54         Note 8 - Leases - Maturities of Lease Liabilities   HTML     81K 
                (Details)                                                        
66: R55         Note 9 - Notes Payable (Details Textual)            HTML    140K 
34: R56         Note 9 - Notes Payable - Schedule of Structured     HTML     28K 
                Financing Notes Payable (Details)                                
13: R57         Note 9 - Notes Payable - Schedule of Structured     HTML     35K 
                Financing Notes Payable (Details) (Parentheticals)               
56: R58         Note 9 - Notes Payable - Schedule of Notes Payable  HTML     73K 
                at Face Value and Notes Payable to Related Parties               
                (Details)                                                        
63: R59         Note 9 - Notes Payable - Schedule of Notes Payable  HTML     69K 
                at Face Value and Notes Payable to Related Parties               
                (Details) (Parentheticals)                                       
30: R60         Note 10 - Convertible Senior Notes (Details         HTML     44K 
                Textual)                                                         
24: R61         Note 10 - Convertible Senior Notes - Summary of     HTML     41K 
                Convertible Senior Notes (Details)                               
45: R62         Note 11 - Commitments and Contingencies (Details    HTML     38K 
                Textual)                                                         
76: R63         Note 12 - Net Income Attributable to Controlling    HTML     40K 
                Interests Per Common Share (Details Textual)                     
31: R64         Note 12 - Net Income Attributable to Controlling    HTML     73K 
                Interests Per Common Share - Summary of Earning                  
                Per Share (Details)                                              
25: R65         Note 13 - Stock-based Compensation (Details         HTML     66K 
                Textual)                                                         
46: R66         Note 13 - Stock-based Compensation - Summary of     HTML     61K 
                Outstanding Options (Details)                                    
72: XML         IDEA XML File -- Filing Summary                      XML    154K 
50: EXCEL       IDEA Workbook of Financial Reports                  XLSX     83K 
 5: EX-101.INS  XBRL Instance -- atlc-20200331                       XML   3.22M 
 7: EX-101.CAL  XBRL Calculations -- atlc-20200331_cal               XML    173K 
 8: EX-101.DEF  XBRL Definitions -- atlc-20200331_def                XML   1.37M 
 9: EX-101.LAB  XBRL Labels -- atlc-20200331_lab                     XML   1.11M 
10: EX-101.PRE  XBRL Presentations -- atlc-20200331_pre              XML   1.41M 
 6: EX-101.SCH  XBRL Schema -- atlc-20200331                         XSD    215K 
43: ZIP         XBRL Zipped Folder -- 0001437749-20-011023-xbrl      Zip    216K 


‘EX-101.CAL’   —   XBRL Calculations — atlc-20200331_cal


This Exhibit is an XBRL XML File.


                                                                                                                                                                                
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<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
<link:roleRef roleURI="http://www.atlanticus.com/20200331/role/statement-note-2-significant-accounting-policies-and-consolidated-financial-statement-components-summary-of-allowance-for-uncollectible-loans-and-fees-receivable-details" xlink:href="atlc-20200331.xsd#statement-note-2-significant-accounting-policies-and-consolidated-financial-statement-components-summary-of-allowance-for-uncollectible-loans-and-fees-receivable-details" xlink:type="simple"/>
<link:calculationLink xlink:role="http://www.atlanticus.com/20200331/role/statement-note-2-significant-accounting-policies-and-consolidated-financial-statement-components-summary-of-allowance-for-uncollectible-loans-and-fees-receivable-details" xlink:type="extended">
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" xlink:label="us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:label="us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:label="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:type="locator"/>
<link:calculationArc order="0" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:to="us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" xlink:type="arc"/>
<link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:to="us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:type="arc"/>
</link:calculationLink>
<link:roleRef roleURI="http://www.atlanticus.com/20200331/role/statement-note-2-significant-accounting-policies-and-consolidated-financial-statement-components-summary-of-aging-of-delinquent-loans-and-fees-receivable-details" xlink:href="atlc-20200331.xsd#statement-note-2-significant-accounting-policies-and-consolidated-financial-statement-components-summary-of-aging-of-delinquent-loans-and-fees-receivable-details" xlink:type="simple"/>
<link:calculationLink xlink:role="http://www.atlanticus.com/20200331/role/statement-note-2-significant-accounting-policies-and-consolidated-financial-statement-components-summary-of-aging-of-delinquent-loans-and-fees-receivable-details" xlink:type="extended">
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentCurrent" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentCurrent" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDue" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentPastDue" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:label="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:type="locator"/>
<link:calculationArc order="0" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentCurrent" xlink:type="arc"/>
<link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentPastDue" xlink:type="arc"/>
</link:calculationLink>
<link:roleRef roleURI="http://www.atlanticus.com/20200331/role/statement-note-8-leases-maturities-of-lease-liabilities-details" xlink:href="atlc-20200331.xsd#statement-note-8-leases-maturities-of-lease-liabilities-details" xlink:type="simple"/>
<link:calculationLink xlink:role="http://www.atlanticus.com/20200331/role/statement-note-8-leases-maturities-of-lease-liabilities-details" xlink:type="extended">
<link:loc xlink:href="atlc-20200331.xsd#atlc_OperatingLeaseNetLeasePaymentsDueAfterYearFive" xlink:label="atlc_OperatingLeaseNetLeasePaymentsDueAfterYearFive" xlink:type="locator"/>
<link:loc xlink:href="atlc-20200331.xsd#atlc_OperatingLeaseNetLeasePaymentsDueYearThree" xlink:label="atlc_OperatingLeaseNetLeasePaymentsDueYearThree" xlink:type="locator"/>
<link:loc xlink:href="atlc-20200331.xsd#atlc_OperatingLeaseNetLeasePaymentsDueYearTwo" xlink:label="atlc_OperatingLeaseNetLeasePaymentsDueYearTwo" xlink:type="locator"/>
<link:loc xlink:href="atlc-20200331.xsd#atlc_OperatingLeasesNetLeasePaymentsDueTotal" xlink:label="atlc_OperatingLeasesNetLeasePaymentsDueTotal" xlink:type="locator"/>
<link:loc xlink:href="atlc-20200331.xsd#atlc_OperatingLeasesNetLeasePaymentsDueYearFive" xlink:label="atlc_OperatingLeasesNetLeasePaymentsDueYearFive" xlink:type="locator"/>
<link:loc xlink:href="atlc-20200331.xsd#atlc_OperatingLeasesNetLeasePaymentsDueYearFour" xlink:label="atlc_OperatingLeasesNetLeasePaymentsDueYearFour" xlink:type="locator"/>
<link:loc xlink:href="atlc-20200331.xsd#atlc_OperatingLeasesNetLeasePaymentsRemainderOfFiscalYear" xlink:label="atlc_OperatingLeasesNetLeasePaymentsRemainderOfFiscalYear" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear" xlink:label="us-gaap_LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LessorOperatingLeasePaymentsToBeReceived" xlink:label="us-gaap_LessorOperatingLeasePaymentsToBeReceived" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LessorOperatingLeasePaymentsToBeReceivedFiveYears" xlink:label="us-gaap_LessorOperatingLeasePaymentsToBeReceivedFiveYears" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LessorOperatingLeasePaymentsToBeReceivedFourYears" xlink:label="us-gaap_LessorOperatingLeasePaymentsToBeReceivedFourYears" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LessorOperatingLeasePaymentsToBeReceivedRemainderOfFiscalYear" xlink:label="us-gaap_LessorOperatingLeasePaymentsToBeReceivedRemainderOfFiscalYear" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LessorOperatingLeasePaymentsToBeReceivedThereafter" xlink:label="us-gaap_LessorOperatingLeasePaymentsToBeReceivedThereafter" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LessorOperatingLeasePaymentsToBeReceivedThreeYears" xlink:label="us-gaap_LessorOperatingLeasePaymentsToBeReceivedThreeYears" xlink:type="locator"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LessorOperatingLeasePaymentsToBeReceivedTwoYears" xlink:label="us-gaap_LessorOperatingLeasePaymentsToBeReceivedTwoYears" xlink:type="locator"/>
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<link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive" xlink:type="arc"/>
<link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour" xlink:type="arc"/>
<link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree" xlink:type="arc"/>
<link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" xlink:type="arc"/>
<link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="us-gaap_LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear" xlink:type="arc"/>
<link:calculationArc order="0" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LessorOperatingLeasePaymentsToBeReceived" xlink:to="us-gaap_LessorOperatingLeasePaymentsToBeReceivedFiveYears" xlink:type="arc"/>
<link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LessorOperatingLeasePaymentsToBeReceived" xlink:to="us-gaap_LessorOperatingLeasePaymentsToBeReceivedFourYears" xlink:type="arc"/>
<link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LessorOperatingLeasePaymentsToBeReceived" xlink:to="us-gaap_LessorOperatingLeasePaymentsToBeReceivedThreeYears" xlink:type="arc"/>
<link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LessorOperatingLeasePaymentsToBeReceived" xlink:to="us-gaap_LessorOperatingLeasePaymentsToBeReceivedTwoYears" xlink:type="arc"/>
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<link:calculationArc order="0" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="atlc_OperatingLeasesNetLeasePaymentsDueTotal" xlink:to="atlc_OperatingLeasesNetLeasePaymentsDueYearFive" xlink:type="arc"/>
<link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="atlc_OperatingLeasesNetLeasePaymentsDueTotal" xlink:to="atlc_OperatingLeasesNetLeasePaymentsDueYearFour" xlink:type="arc"/>
<link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="atlc_OperatingLeasesNetLeasePaymentsDueTotal" xlink:to="atlc_OperatingLeaseNetLeasePaymentsDueYearThree" xlink:type="arc"/>
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