Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2018	Dec. 31, 2017
Assets
Cash	$ 2,799	$ 5,230
Gross finance receivables	1,121,711	1,066,650
Unearned finance charges and insurance premiums	(274,473)	(249,187)
Finance receivables	847,238	817,463
Allowance for credit losses	(48,450)	(48,910)
Net finance receivables	798,788	768,553
Restricted cash	26,356	16,787
Property and equipment	12,072	12,294
Intangible assets	10,785	10,607
Other assets	17,420	16,012
Total assets	868,220	829,483
Liabilities
Long-term debt	595,765	571,496
Unamortized debt issuance costs	(7,437)	(4,950)
Net long-term debt	588,328	566,546
Accounts payable and accrued expenses	17,526	18,565
Deferred tax liability	3,832	4,961
Total liabilities	609,686	590,072
Commitments and Contingencies (Note 10)
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, 13,334 shares issued and 11,788 shares outstanding at June 30, 2018 and 13,205 shares issued and 11,659 shares outstanding at December 31, 2017)	1,333	1,321
Additional paid-in-capital	96,369	94,384
Retained earnings	185,878	168,752
Treasury stock (1,546 shares at June 30, 2018 and December 31, 2017)	(25,046)	(25,046)
Total stockholders' equity	258,534	239,411
Total liabilities and stockholders' equity	868,220	829,483
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	120	70
Finance receivables	232,354	137,239
Allowance for credit losses	(9,929)	(7,129)
Restricted cash	19,700	10,734
Other assets	110	119
Total assets	242,355	141,033
Liabilities
Net long-term debt	206,962	116,658
Accounts payable and accrued expenses	44	53
Total liabilities	$ 207,006	$ 116,711

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.