CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
ASSETS
Cash and cash equivalents	$ 19,322	$ 17,859
Restricted cash and equivalents	106,054	175,382
Finance receivables	1,985,093	1,595,956
Less: Allowance for finance credit losses	(75,603)	(61,460)
Finance receivables, net	1,909,490	1,534,496
Finance receivables measured at fair value	61	1,664
Furniture and equipment, net	1,715	1,161
Deferred financing costs	13,982	12,362
Deferred tax assets, net	37,597	42,847
Accrued interest receivable	31,547	23,372
Other assets	23,139	23,915
Total	2,142,907	1,833,058
Liabilities
Accounts payable and accrued expenses	29,509	21,660
Warehouse lines of credit	196,461	56,839
Residual interest financing	9,042	12,327
Debt secured by receivables measured at fair value	0	1,250
Securitization trust debt	1,731,598	1,598,496
Subordinated renewable notes	15,138	15,233
Total	1,981,748	1,705,805
COMMITMENTS AND CONTINGENCIES	0	0
Shareholders' Equity
Preferred stock, $1 par value; authorized 4,998,130 shares; none issued	0	0
Common stock, no par value; authorized 75,000,000 shares; 25,616,460 and 25,540,640 shares issued and outstanding at December 31, 2015 and 2014, respectively	81,337	80,513
Retained earnings	86,472	51,791
Accumulated other comprehensive loss	(6,650)	(5,051)
Total shareholders' equity	161,159	127,253
Total shareholders' equity and liabilities	2,142,907	1,833,058
Series A Preferred Stock [Member]
Shareholders' Equity
Preferred stock, $1 par value; authorized 4,998,130 shares; none issued	0	0
Series B Preferred Stock [Member]
Shareholders' Equity
Preferred stock, $1 par value; authorized 4,998,130 shares; none issued	$ 0	$ 0