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Consolidated Statements of Income (Loss) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Mar. 31, 2018 | Mar. 31, 2017 | Mar. 31, 2016
Income Statement [Abstract] |  |  |
Interest and fee income on finance receivables | $ 83,917 | $ 90,466 | $ 90,707
Expenses: |  |  |
Marketing | 1,489 | 1,440 | 1,497
Salaries and employee benefits | 19,868 | 21,437 | 22,313
Administrative | 11,324 | 12,180 | 11,025
Provision for credit losses | 37,450 | 37,177 | 26,278
Depreciation | 469 | 492 | 458
Interest expense | 10,137 | 9,222 | 9,007
Change in fair value of interest rate swap agreements | 17 | (222) | 24
Total operating expenses | 80,754 | 81,726 | 70,602
Operating income before income taxes | 3,163 | 8,740 | 20,105
Income tax expense | 4,261 | 3,331 | 7,726
Net income (loss) | $ (1,098) | $ 5,409 | $ 12,379
Earnings (loss) per share: |  |  |
Basic (in dollars per share) | $ (0.14) | $ 0.70 | $ 1.60
Diluted (in dollars per share) | $ (0.14) | $ 0.69 | $ 1.59

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- Definition The aggregate interest and fee income generated by: (1) loans the Entity has positive intent and ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (a) industrial and agricultural; (b) real estate; and (c) real estate construction loans; (d) trade financing; (e) lease financing; (f) home equity lines-of-credit; (g) automobile and other vehicle loans; and (h) credit card and other revolving-type loans and (2) loans and leases held-for-sale which may include mortgage loans, direct financing, and sales-type leases. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 225 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-04.1) -URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882 + Details
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