Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Assets
Cash	$ 5,230	$ 4,446
Gross finance receivables	1,066,650	916,954
Unearned finance charges and insurance premiums	(249,187)	(199,179)
Finance receivables	817,463	717,775
Allowance for credit losses	(48,910)	(41,250)
Net finance receivables	768,553	676,525
Restricted cash	16,787	8,297
Property and equipment	12,294	11,693
Intangible assets	10,607	6,448
Deferred tax asset		33
Other assets	16,012	4,782
Total assets	829,483	712,224
Liabilities
Long-term debt	571,496	491,678
Unamortized debt issuance costs	(4,950)	(2,152)
Net long-term debt	566,546	489,526
Accounts payable and accrued expenses	18,565	15,223
Deferred tax liability	4,961
Total liabilities	590,072	504,749
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, 13,205 shares issued and 11,659 shares outstanding at December 31, 2017 and 12,996 shares issued and 11,450 shares outstanding at December 31, 2016)	1,321	1,300
Additional paid-in-capital	94,384	92,432
Retained earnings	168,752	138,789
Treasury stock (1,546 shares at December 31, 2017 and 2016)	(25,046)	(25,046)
Total stockholders' equity	239,411	207,475
Total liabilities and stockholders' equity	829,483	712,224
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	70	36
Finance receivables	137,239	41,244
Allowance for credit losses	(7,129)	(2,337)
Restricted cash	10,734	4,426
Other assets	119	201
Total assets	141,033	43,570
Liabilities
Net long-term debt	116,658	37,898
Accounts payable and accrued expenses	53	5
Total liabilities	$ 116,711	$ 37,903

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.