Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Assets
Cash	$ 4,446	$ 7,654
Gross finance receivables	916,954	785,042
Unearned finance charges and insurance premiums	(199,179)	(156,598)
Finance receivables	717,775	628,444
Allowance for credit losses	(41,250)	(37,452)
Net finance receivables	676,525	590,992
Property and equipment	11,693	9,049
Restricted cash	8,297	10,506
Intangible assets	6,448	3,023
Deferred tax asset	33	1,982
Other assets	4,782	3,167
Total assets	712,224	626,373
Liabilities:
Long-term debt	491,678	411,177
Unamortized debt issuance costs	(2,152)	(2,692)
Net long-term debt	489,526	408,485
Accounts payable and accrued expenses	15,223	12,661
Total liabilities	504,749	421,146
Commitments and Contingencies (Notes 6, 16, and 17)
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, 12,996 shares issued and 11,450 shares outstanding at December 31, 2016 and 12,914 shares issued and outstanding at December 31, 2015	1,300	1,291
Additional paid-in-capital	92,432	89,178
Retained earnings	138,789	114,758
Treasury stock, 1,546 shares at December 31, 2016	(25,046)
Total stockholders' equity	207,475	205,227
Total liabilities and stockholders' equity	712,224	626,373
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	36	376
Finance receivables	41,244	80,309
Allowance for credit losses	(2,337)	(2,588)
Restricted cash	4,426	7,605
Other assets	201	36
Total assets	43,570	85,738
Liabilities:
Net long-term debt	37,898	71,226
Accounts payable and accrued expenses	5	50
Total liabilities	$ 37,903	$ 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.