Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2016	Mar. 31, 2015
Assets
Cash	$ 1,849	$ 3,388
Finance receivables, net	311,837	288,904
Assets held for resale	2,148	1,747
Prepaid expenses and other assets	977	1,144
Income taxes receivable	593	113
Property and equipment, net	1,290	872
Deferred income taxes	6,615	6,361
Total assets	325,309	302,529
Liabilities and shareholders' equity
Line of credit	211,000	199,000
Drafts payable	1,499	2,476
Accounts payable and accrued expenses	5,839	7,841
Deferred revenues	3,917	3,143
Interest rate swap agreements	205	181
Total liabilities	$ 222,460	$ 212,641
Commitments and contingencies
Shareholders' equity:
Preferred stock, no par: 5,000 shares authorized; none issued
Common stock, no par: 50,000 shares authorized; 12,466 and 12,416 shares issued respectively; 7,753 and 7,702 shares outstanding, respectively	$ 33,287	$ 32,655
Treasury stock: 4,714 common shares, at cost	(70,459)	(70,409)
Retained earnings	140,021	127,642
Total shareholders' equity	102,849	89,888
Total liabilities and shareholders' equity	$ 325,309	$ 302,529

Sum of the carrying values as of the balance sheet date of obligations incurred through that date, including liabilities incurred and payable to vendors for goods and services received, taxes, interest, rent and utilities, compensation costs, payroll taxes and fringe benefits (other than pension and postretirement obligations), contractual rights and obligations, and statutory obligations.

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- Definition

Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.