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Consolidated Statements of Income (Unaudited) - USD ($) | 3 Months Ended | 6 Months Ended
--- | --- | ---
Sep. 30, 2019 | Sep. 30, 2018 | Sep. 30, 2019 | Sep. 30, 2018
Income Statement [Abstract] |  |  |  |
Interest and fee income on finance receivables | $ 15,585,000 | $ 19,404,000 | $ 32,226,000 | $ 38,163,000
Expenses: |  |  |  |
Marketing | 427,000 | 737,000 | 838,000 | 1,104,000
Salaries and employee benefits | 4,718,000 | 4,341,000 | 9,539,000 | 9,607,000
Administrative | 3,685,000 | 2,792,000 | 7,323,000 | 5,857,000
Provision for credit losses | 4,000,000 | 8,374,000 | 8,385,000 | 13,801,000
Amortization of intangibles | 14,000 |  | 28,000 |
Depreciation | 83,000 | 96,000 | 170,000 | 199,000
Interest expense | 2,298,000 | 2,386,000 | 4,786,000 | 4,926,000
Total expenses | 15,225,000 | 18,726,000 | 31,069,000 | 35,494,000
Income before income taxes | 360,000 | 678,000 | 1,157,000 | 2,669,000
Income tax expense | 92,000 | 96,000 | 298,000 | 669,000
Net income | $ 268,000 | $ 582,000 | $ 859,000 | $ 2,000,000
Earnings per share: |  |  |  |
Basic (in dollars per share) | $ 0.03 | $ 0.07 | $ 0.11 | $ 0.25
Diluted (in dollars per share) | $ 0.03 | $ 0.07 | $ 0.11 | $ 0.25

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