Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2021	Mar. 31, 2020
Assets
Cash	$ 22,022	$ 16,802
Restricted cash	10,955	7,882
Finance receivables, net	170,318	199,781
Repossessed assets	685	1,340
Operating lease right-of-use assets	3,392	2,598
Prepaid expenses and other assets	1,271	1,126
Income taxes receivable	653	4,898
Property and equipment, net	859	482
Deferred income taxes	2,283	3,909
Total assets	212,438	238,818
Liabilities and shareholders’ equity
Credit facility, net of debt issuance costs	86,154	124,255
Note payable	3,244
Net long-term debt	89,398	124,255
Operating lease liabilities	3,367	2,652
Accounts payable and accrued expenses	4,451	4,332
Total liabilities	97,216	131,239
Shareholders’ equity:
Preferred stock, no par: 5,000 shares authorized; none issued
Common stock, no par: 50,000 shares authorized; 12,653 and 12,639 shares issued respectively; 7,708 and 7,806 shares outstanding, respectively	35,064	34,867
Treasury stock: 4,945 and 4,833 common shares, at cost, respectively	(72,343)	(71,438)
Retained earnings	152,501	144,150
Total shareholders’ equity	115,222	107,579
Total liabilities and shareholders’ equity	212,438	238,818
Variable Interest Entity
Assets
Restricted cash	10,955	7,882
Finance receivables, net	150,706	165,966
Repossessed assets	631	1,277
Total assets	162,292	175,125
Liabilities and shareholders’ equity
Credit facility, net of debt issuance costs	86,154	124,255
Accounts payable and accrued expenses	405	597
Total liabilities	$ 86,559	$ 124,852