Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Assets
Cash	$ 2,827	$ 7,654
Gross finance receivables	820,688	785,042
Unearned finance charges, insurance premiums, and commissions	(174,944)	(156,598)
Finance receivables	645,744	628,444
Allowance for credit losses	(36,200)	(37,452)
Net finance receivables	609,544	590,992
Property and equipment, net of accumulated depreciation	9,073	8,913
Restricted cash	8,237	10,506
Intangible assets, net	4,021	2,443
Goodwill	716	716
Repossessed assets at net realizable value	488	307
Deferred tax asset, net		1,982
Other assets	7,897	2,860
Total assets	642,803	626,373
Liabilities:
Long-term debt	441,147	411,177
Unamortized debt issuance costs	(2,285)	(2,692)
Net long-term debt	438,862	408,485
Accounts payable and accrued expenses	10,571	12,661
Deferred tax liability, net	446
Total liabilities	449,879	421,146
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, 12,961 shares issued and 11,415 shares outstanding at June 30, 2016 and 12,914 shares issued and outstanding at December 31, 2015	1,296	1,291
Additional paid-in-capital	90,828	89,178
Retained earnings	125,846	114,758
Treasury stock, at cost, 1,546 shares at June 30, 2016	(25,046)
Total stockholders' equity	192,924	205,227
Total liabilities and stockholders' equity	642,803	626,373
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	50	376
Finance receivables	58,876	80,309
Allowance for credit losses	(2,677)	(2,588)
Restricted cash	5,335	7,605
Repossessed assets at net realizable value	203	36
Total assets	61,787	85,738
Liabilities:
Net long-term debt	53,122	71,226
Accounts payable and accrued expenses	15	50
Total liabilities	$ 53,137	$ 71,276

Sum of the carrying values as of the balance sheet date of obligations incurred through that date, including liabilities incurred and payable to vendors for goods and services received, taxes, interest, rent and utilities, compensation costs, payroll taxes and fringe benefits (other than pension and postretirement obligations), contractual rights and obligations, and statutory obligations.

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- Definition

Value received from shareholders in common stock-related transactions that are in excess of par value or stated value and amounts received from other stock-related transactions. Includes only common stock transactions (excludes preferred stock transactions). May be called contributed capital, capital in excess of par, capital surplus, or paid-in capital.