Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Jun. 30, 2019	Dec. 31, 2018
Assets
Cash	$ 694	$ 3,657
Gross finance receivables	1,300,043	1,237,526
Unearned finance charges and insurance premiums	(326,609)	(305,283)
Finance receivables	973,434	932,243
Allowance for credit losses	(57,200)	(58,300)
Net finance receivables	916,234	873,943
Restricted cash	41,803	46,484
Lease assets	25,575
Property and equipment	14,132	13,926
Intangible assets	9,953	10,010
Deferred tax asset	437
Other assets	10,488	8,375
Total assets	1,019,316	956,395
Liabilities:
Long-term debt	689,310	660,507
Unamortized debt issuance costs	(7,357)	(9,158)
Net long-term debt	681,953	651,349
Lease liabilities	27,454
Accounts payable and accrued expenses	19,690	25,138
Deferred tax liability		747
Total liabilities	729,097	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, 13,494 shares issued and 11,663 shares outstanding at June 30, 2019 and 13,323 shares issued and 11,777 shares outstanding at December 31, 2018)	1,349	1,332
Additional paid-in-capital	100,486	98,778
Retained earnings	220,574	204,097
Treasury stock (1,831 shares at June 30, 2019 and 1,546 shares at December 31, 2018)	(32,190)	(25,046)
Total stockholders' equity	290,219	279,161
Total liabilities and stockholders' equity	1,019,316	956,395
Variable Interest Entity, Primary Beneficiary [Member]
Assets
Cash	167	168
Finance receivables	356,679	342,481
Allowance for credit losses	(17,406)	(18,378)
Restricted cash	34,268	39,361
Other assets	129	75
Total assets	373,837	363,707
Liabilities:
Net long-term debt	337,776	324,879
Accounts payable and accrued expenses	83	25
Total liabilities	$ 337,859	$ 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.