| Mar'19 | Mar'18 | Mar'17 | Mar'16 | Mar'15 | Mar'14 | Mar'13 | Mar'12 | Mar'11 | Mar'10 |
|---|---|---|---|---|---|---|---|---|---|
Interest and fee income on finance receivables | |||||||||
71,300 | 83,917 | 90,466 | 90,707 | - | - | - | - | - | - |
Interest and fee income on finance receivables | |||||||||
- | - | - | - | 86,790 | 82,629 | 82,110 | 80,470 | 73,661 | 56,403 |
Sales | |||||||||
- | - | - | - | - | - | - | 44 | 53 | 68 |
Total revenue | |||||||||
- | - | - | - | - | - | - | 80,515 | 73,715 | 56,471 |
Expenses: | |||||||||
Cost of sales | |||||||||
- | - | - | - | - | - | - | 12 | 12 | 18 |
Marketing | |||||||||
2,446 | 1,489 | 1,440 | 1,497 | 1,562 | 1,491 | 1,452 | 1,252 | 1,224 | 1,205 |
Salaries and employee benefits | |||||||||
18,998 | 19,868 | 21,437 | 22,313 | 20,835 | 19,634 | 18,325 | 17,582 | 16,430 | 14,380 |
Professional Fees | |||||||||
- | - | - | - | - | 3,659 | 893 | 559 | - | - |
Administrative | |||||||||
11,724 | 11,324 | 12,180 | 11,025 | 11,226 | 9,041 | 8,158 | 7,232 | 7,776 | 7,438 |
Dividend tax | |||||||||
- | - | - | - | - | - | 1,492 | 179 | - | - |
Provision for credit losses | |||||||||
32,836 | 37,450 | 37,177 | 26,278 | 20,371 | 14,979 | 13,391 | 12,367 | 15,611 | 11,321 |
Depreciation | |||||||||
380 | 469 | 492 | 458 | 366 | 318 | 284 | 287 | 266 | 322 |
Interest expense | |||||||||
9,504 | 10,137 | 9,222 | 9,007 | 5,970 | 5,678 | 5,120 | 4,891 | 5,599 | 5,169 |
Change in fair value of interest rate swap agreements | |||||||||
- | -17 | 222 | -24 | - | - | - | - | - | - |
Total expenses | |||||||||
75,888 | 80,754 | - | - | - | - | - | - | - | - |
Change in fair value of interest rate swap agreements | |||||||||
- | - | - | - | -364 | 688 | -504 | - | 495 | 1,034 |
Total operating expenses | |||||||||
- | - | 81,726 | 70,602 | 60,694 | 54,112 | 49,624 | 44,366 | 46,428 | 38,821 |
Income (loss) before income taxes | |||||||||
-4,588 | 3,163 | 8,740 | 20,105 | 26,096 | 28,517 | 32,486 | 36,148 | 27,287 | - |
Operating income before income taxes | |||||||||
- | - | - | - | - | - | - | - | - | 17,650 |
Income tax expense (benefit) | |||||||||
-940 | 4,261 | 3,331 | 7,726 | 9,240 | 11,814 | 12,545 | 13,926 | 10,518 | 6,785 |
Net income (loss) | |||||||||
-3,648 | -1,098 | 5,409 | 12,379 | 16,856 | 16,703 | 19,940 | 22,221 | 16,768 | - |
Earnings (loss) per share: | |||||||||
Net income | |||||||||
- | - | - | - | - | - | - | - | - | 10,864 |
Basic (in dollars per share) | |||||||||
-0.46 | -0.14 | 0.70 | 1.60 | 1.40 | 1.38 | 1.66 | 1.89 | 1.44 | 0.95 |
Diluted (in dollars per share) | |||||||||
-0.46 | -0.14 | 0.69 | 1.59 | 1.38 | 1.36 | 1.63 | 1.85 | 1.41 | 0.93 |
Dividends declared per share (in dollars per share) | |||||||||
- | - | - | - | - | 0.24 | 2.46 | 0.30 | 0.00 | 0.00 |