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Consolidated Statements of Income - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Mar. 31, 2016 | Mar. 31, 2015 | Mar. 31, 2014
Revenue: |  |  |
Interest and fee income on finance receivables | $ 90,707 | $ 86,790 | $ 82,629
Expenses: |  |  |
Marketing | 1,497 | 1,562 | 1,491
Salaries and employee benefits | 22,313 | 20,835 | 19,634
Professional fees | 1,194 | 1,383 | 3,659
Administrative | 9,831 | 9,843 | 9,041
Provision for credit losses | 26,278 | 20,371 | 14,979
Depreciation | 458 | 366 | 318
Interest expense | 9,007 | 5,970 | 5,678
Change in fair value of interest rate swap agreements | 24 | 364 | (688)
Total operating expenses | 70,602 | 60,694 | 54,112
Operating income before income taxes | 20,105 | 26,096 | 28,517
Income tax expense | 7,726 | 9,240 | 11,814
Net income | $ 12,379 | $ 16,856 | $ 16,703
Earnings per share: |  |  |
Basic (in dollars per share) | $ 1.60 | $ 1.40 | $ 1.38
Diluted (in dollars per share) | 1.59 | $ 1.38 | 1.36
Dividends declared per share (in dollars per share) | $ 0 |  | $ 0.24

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