Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2019	Dec. 31, 2018
Assets
Cash	$ 2,331	$ 3,657
Gross finance receivables	1,204,495	1,237,526
Unearned finance charges and insurance premiums	(292,245)	(305,283)
Finance receivables	912,250	932,243
Allowance for credit losses	(56,400)	(58,300)
Net finance receivables	855,850	873,943
Restricted cash	38,917	46,484
Lease assets	24,831
Property and equipment	14,181	13,926
Intangible assets	9,722	10,010
Other assets	7,635	8,375
Total assets	953,467	956,395
Liabilities
Long-term debt	628,786	660,507
Unamortized debt issuance costs	(8,338)	(9,158)
Net long-term debt	620,448	651,349
Lease liabilities	26,474
Accounts payable and accrued expenses	17,470	25,138
Deferred tax liability	1,259	747
Total liabilities	665,651	677,234
Commitments and contingencies (Notes 4 and 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, 13,465 shares issued and 11,919 shares outstanding at March 31, 2019 and 13,323 shares issued and 11,777 shares outstanding at December 31, 2018)	1,347	1,332
Additional paid-in-capital	99,310	98,778
Retained earnings	212,205	204,097
Treasury stock (1,546 shares at March 31, 2019 and December 31, 2018)	(25,046)	(25,046)
Total stockholders' equity	287,816	279,161
Total liabilities and stockholders' equity	953,467	956,395
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	168	168
Finance receivables	340,396	342,481
Allowance for credit losses	(17,875)	(18,378)
Restricted cash	31,547	39,361
Other assets	110	75
Total assets	354,346	363,707
Liabilities
Net long-term debt	321,662	324,879
Accounts payable and accrued expenses	57	25
Total liabilities	$ 321,719	$ 324,904

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.