Financial information by segment is presented in the following tables:



	Year ended January 31, 2017
(in thousands)	Retail		Credit			Total
Revenues:
Furniture and mattress	$	421,055	$	—		$	421,055
Home appliance	358,771		—			358,771
Consumer electronic	293,685		—			293,685
Home office	92,404		—			92,404
Other	20,282		—			20,282
Product sales	1,186,197		—			1,186,197
Repair service agreement commissions	113,615		—			113,615
Service revenues	14,659		—			14,659
Total net sales	1,314,471		—			1,314,471
Finance charges and other revenues	1,569		280,808			282,377
Total revenues	1,316,040		280,808			1,596,848
Costs and expenses:
Cost of goods sold	823,082		—			823,082
Selling, general and administrative expenses⁽¹⁾	326,078		134,818			460,896
Provision for bad debts	990		241,304			242,294
Charges and credits	6,478		—			6,478
Total costs and expenses	1,156,628		376,122			1,532,750
Operating income (loss)	159,412		(95,314		)	64,098
Interest expense	—		98,615			98,615
Loss on early extinguishment of debt	—		—			—
Income (loss) before income taxes	$	159,412	$	(193,929	)	$	(34,517	)
Additional Disclosures:
Property and equipment additions	$	46,374	$	182		$	46,556
Depreciation expense	$	28,063	$	783		$	28,846
	January 31, 2017
(in thousands)	Retail		Credit			Total
Total assets	$	332,611	$	1,608,523		$	1,941,134



	Year ended January 31, 2016
(in thousands)	Retail		Credit			Total
Revenues:
Furniture and mattress	$	409,788	$	—		$	409,788
Home appliance	356,634		—			356,634
Consumer electronic	312,009		—			312,009
Home office	101,365		—			101,365
Other	19,338		—			19,338
Product sales	1,199,134		—			1,199,134
Repair service agreement commissions	109,730		—			109,730
Service revenues	13,725		—			13,725
Total net sales	1,322,589		—			1,322,589
Finance charges and other revenues	1,639		288,950			290,589
Total revenues	1,324,228		288,950			1,613,178
Costs and expenses:
Cost of goods sold	833,126		—			833,126
Selling, general and administrative expenses⁽¹⁾	313,694		122,421			436,115
Provision for bad debts	791		221,386			222,177
Charges and credits	8,044		—			8,044
Total costs and expenses	1,155,655		343,807			1,499,462
Operating income (loss)	168,573		(54,857		)	113,716
Interest expense	—		63,106			63,106
Loss from early extinguishment of debt	—		1,367			1,367
Income (loss) before income taxes	$	168,573	$	(119,330	)	$	49,243
Additional Disclosures:
Property and equipment additions	$	63,262	$	143		$	63,405
Depreciation expense	$	21,995	$	711		$	22,706
	January 31, 2016
(in thousands)	Retail		Credit			Total
Total assets	$	314,857	$	1,710,443		$	2,025,300



	Year ended January 31, 2015
(in thousands)	Retail		Credit			Total
Revenues:
Furniture and mattress	$	339,414	$	—		$	339,414
Home appliance	328,742		—			328,742
Consumer electronic	317,482		—			317,482
Home office	108,700		—			108,700
Other	23,571		—			23,571
Product sales	1,117,909		—			1,117,909
Repair service agreement commissions	90,009		—			90,009
Service revenues	13,058		—			13,058
Total net sales	1,220,976		—			1,220,976
Finance charges and other revenues	2,566		261,676			264,242
Total revenues	1,223,542		261,676			1,485,218
Costs and expenses:
Cost of goods sold	777,046		—			777,046
Selling, general and administrative expenses⁽¹⁾	286,925		103,251			390,176
Provision for bad debts	551		191,888			192,439
Charges and credits	5,690		—			5,690
Total cost and expenses	1,070,212		295,139			1,365,351
Operating income (loss)	153,330		(33,463		)	119,867
Interest expense	—		29,365			29,365
Other expense, net	—		—			—
Income (loss) before income taxes	$	153,330	$	(62,828	)	$	90,502
Additional Disclosures:
Property and equipment additions	$	61,377	$	319		$	61,696
Depreciation expense	$	18,091	$	654		$	18,745
	January 31, 2015
(in thousands)	Retail		Credit			Total
Total assets	$	342,320	$	1,303,484		$	1,645,804

(1)

For the years ended January 31, 2017, 2016 and 2015, the amount of overhead allocated to each segment reflected in selling, general and administrative expense was $24.5 million, $16.7 million and $12.4 million , respectively. For the years ended January 31, 2017, 2016 and 2015, the amount of reimbursement made to the retail segment by the credit segment was $38.8 million, $36.4 million and $29.8 million, respectively.