Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2020	Mar. 31, 2019
Assets
Cash	$ 16,802	$ 35,595
Restricted cash	7,882	2,047
Finance receivables, net	199,781	202,042
Repossessed assets	1,340	1,924
Operating lease right-of-use assets	2,598
Prepaid expenses and other assets	1,126	1,378
Income taxes receivable	4,898	1,654
Property and equipment, net	482	656
Deferred income taxes	3,909	7,124
Total assets	238,818	252,420
Liabilities and shareholders’ equity
Credit facility	126,830	145,000
Unamortized debt issuance costs	(2,575)	(2,381)
Net long-term debt	124,255	142,619
Operating lease liabilities	2,652
Accounts payable and accrued expenses	4,332	4,916
Total liabilities	131,239	147,535
Shareholders’ equity:
Preferred stock, no par: 5,000 shares authorized; none issued
Common stock, no par: 50,000 shares authorized; 12,639 and 12,624 shares issued respectively; 7,806 and 7,910 shares outstanding, respectively	34,867	34,660
Treasury stock: 4,833 and 4,714 common shares, at cost, respectively	(71,438)	(70,459)
Retained earnings	144,150	140,684
Total shareholders’ equity	107,579	104,885
Total liabilities and shareholders’ equity	238,818	252,420
Variable Interest Entity
Assets
Restricted cash	7,882	2,047
Finance receivables, net	165,966	187,584
Repossessed assets	1,277
Total assets	175,125	189,631
Liabilities and shareholders’ equity
Credit facility	124,255	142,619
Accounts payable and accrued expenses	597
Total liabilities	$ 124,852	$ 142,619