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v3.7.0.1

Consolidated Statements of Income - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Mar. 31, 2017 | Mar. 31, 2016 | Mar. 31, 2015
Revenue: |  |  |
Interest and fee income on finance receivables | $ 90,466 | $ 90,707 | $ 86,790
Expenses: |  |  |
Marketing | 1,440 | 1,497 | 1,562
Salaries and employee benefits | 21,437 | 22,313 | 20,835
Administrative | 12,180 | 11,025 | 11,226
Provision for credit losses | 37,177 | 26,278 | 20,371
Depreciation | 492 | 458 | 366
Interest expense | 9,222 | 9,007 | 5,970
Change in fair value of interest rate swap agreements | (222) | 24 | 364
Total operating expenses | 81,726 | 70,602 | 60,694
Operating income before income taxes | 8,740 | 20,105 | 26,096
Income tax expense | 3,331 | 7,726 | 9,240
Net income | $ 5,409 | $ 12,379 | $ 16,856
Earnings per share: |  |  |
Basic (in dollars per share) | $ 0.70 | $ 1.60 | $ 1.40
Diluted (in dollars per share) | $ 0.69 | $ 1.59 | $ 1.38

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