CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
ASSETS
Cash and cash equivalents	$ 13,936	$ 19,322
Restricted cash and equivalents	112,754	106,054
Finance receivables	2,267,943	1,985,093
Less: Allowance for finance credit losses	(95,578)	(75,603)
Finance receivables, net	2,172,365	1,909,490
Furniture and equipment, net	2,017	1,715
Deferred tax assets, net	42,845	37,597
Accrued interest receivable	36,233	31,547
Other assets	30,252	23,200
Total Assets	2,410,402	2,128,925
Liabilities
Accounts payable and accrued expenses	24,977	29,509
Warehouse lines of credit	103,358	194,056
Residual interest financing	0	9,042
Securitization trust debt	2,080,900	1,720,021
Subordinated renewable notes	14,949	15,138
Total Liabilities	2,224,184	1,967,766
COMMITMENTS AND CONTINGENCIES
Shareholders' Equity
Preferred stock	0	0
Common stock, no par value; authorized 75,000,000 shares; 23,587,126 and 25,616,460 shares issued and outstanding at December 31, 2016 and 2015, respectively	77,128	81,337
Retained earnings	115,772	86,472
Accumulated other comprehensive loss	(6,682)	(6,650)
Total stockholders' equity	186,218	161,159
Total liabilities and stockholders' equity	2,410,402	2,128,925
Series A Preferred Stock [Member]
Shareholders' Equity
Preferred stock	0	0
Series B Preferred Stock [Member]
Shareholders' Equity
Preferred stock	$ 0	$ 0