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v2.4.0.8

Consolidated Statements of Income (USD $) | 12 Months Ended
--- | ---
Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2012
Revenue: |  |  |
Interest and fee income on finance receivables | $ 82,609,859 | $ 82,072,643 | $ 80,470,980
Sales | 19,084 | 37,803 | 44,070
Total revenue | 82,628,943 | 82,110,446 | 80,515,050
Expenses: |  |  |
Cost of sales | 8,601 | 11,624 | 12,177
Marketing | 1,491,216 | 1,452,659 | 1,252,854
Salaries and employee benefits | 19,634,202 | 18,325,945 | 17,582,967
Professional fees | 3,659,429 | 893,044 | 559,515
Administrative | 8,889,755 | 8,146,644 | 7,232,325
Dividend tax | 142,557 | 1,492,227 | 179,651
Provision for credit losses | 14,979,216 | 13,391,875 | 12,367,593
Depreciation | 317,504 | 284,594 | 287,839
Interest expense | 5,678,188 | 5,120,827 | 4,891,854
Change in fair value of interest rate swap agreements | (688,455) | 504,852 |
Total operating expenses | 54,112,213 | 49,624,291 | 44,366,775
Operating income before income taxes | 28,516,730 | 32,486,155 | 36,148,275
Income tax expense | 11,813,378 | 12,545,209 | 13,926,516
Net income | $ 16,703,352 | $ 19,940,946 | $ 22,221,759
Earnings per share: |  |  |
Basic (in dollars per share) | $ 1.38 | $ 1.66 | $ 1.89
Diluted (in dollars per share) | $ 1.36 | $ 1.63 | $ 1.85
Dividends declared per share (in dollars per share) | $ 0.24 | $ 2.46 | $ 0.30

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