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Consolidated Balance Sheets - USD ($)
$ in Thousands
Dec. 31, 2019
Dec. 31, 2018
Assets    
Cash $ 2,263 $ 3,657
Gross finance receivables 1,500,962 1,237,526
Unearned finance charges and insurance premiums (396,149) (305,283)
Finance receivables 1,104,813 932,243
Allowance for credit losses (62,200) (58,300)
Net finance receivables 1,042,613 873,943
Restricted cash 54,164 46,484
Lease assets 26,438  
Property and equipment 15,301 13,926
Intangible assets 9,438 10,010
Deferred tax asset 619  
Other assets 7,704 8,375
Total assets 1,158,540 956,395
Liabilities:    
Long-term debt 808,218 660,507
Unamortized debt issuance costs (9,607) (9,158)
Net long-term debt 798,611 651,349
Accounts payable and accrued expenses 28,676 25,138
Lease liabilities 28,470  
Deferred tax liability   747
Total liabilities 855,757 677,234
Stockholders' equity:    
Preferred stock ($0.10 par value, 100,000 shares authorized, no shares issued or outstanding)
Common stock ($0.10 par value, 1,000,000 shares authorized, 13,497 shares issued and 11,013 shares outstanding at December 31, 2019 and 13,323 shares issued and 11,777 shares outstanding at December 31, 2018) 1,350 1,332
Additional paid-in-capital 102,678 98,778
Retained earnings 248,829 204,097
Treasury stock (2,484 shares at December 31, 2019 and 1,546 shares at December 31, 2018) (50,074) (25,046)
Total stockholders' equity 302,783 279,161
Total liabilities and stockholders' equity 1,158,540 956,395
Variable Interest Entity, Primary Beneficiary [Member]    
Assets    
Cash 152 168
Finance receivables 474,340 342,481
Allowance for credit losses (22,015) (18,378)
Restricted cash 44,221 39,361
Other assets 68 75
Total assets 496,766 363,707
Liabilities:    
Net long-term debt 450,297 324,879
Accounts payable and accrued expenses 86 25
Total liabilities $ 450,383 $ 324,904