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Consolidated Balance Sheets - USD ($)
$ in Thousands
Sep. 30, 2015
Dec. 31, 2014
Assets    
Cash $ 4,922 $ 4,012
Gross finance receivables 743,003 663,432
Less unearned finance charges, insurance premiums, and commissions (141,395) (117,240)
Finance receivables 601,608 546,192
Allowance for credit losses (37,786) (40,511)
Net finance receivables 563,822 505,681
Property and equipment, net of accumulated depreciation 9,377 8,905
Deferred tax asset, net 265 1,870
Repossessed assets at net realizable value 343 556
Goodwill 716 716
Intangible assets, net 564 847
Other assets 8,957 7,683
Total assets 588,966 530,270
Liabilities:    
Senior revolving credit facility 379,617 341,419
Accounts payable and accrued expenses 11,754 10,528
Total liabilities $ 391,371 $ 351,947
Commitments and Contingencies
Stockholders' equity:    
Preferred stock, $0.10 par value, 100,000 shares authorized, no shares issued or outstanding
Common stock, $0.10 par value, 1,000,000 shares authorized, 12,914 and 12,748 shares issued and outstanding at September 30, 2015 and December 31, 2014, respectively $ 1,291 $ 1,275
Additional paid-in-capital 88,913 85,655
Retained earnings 107,391 91,393
Total stockholders' equity 197,595 178,323
Total liabilities and stockholders' equity $ 588,966 $ 530,270