UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS (USD $) In Thousands, except Share data, unless otherwise specified	3 Months Ended
Mar. 31, 2015	Mar. 31, 2014
Revenues:
Interest income	$ 82,359	$ 64,996
Servicing fees	148us-gaap_ServicingFeesNet	513us-gaap_ServicingFeesNet
Other income	3,482us-gaap_OtherOperatingIncome	2,637us-gaap_OtherOperatingIncome
Total	85,989us-gaap_Revenues	68,146us-gaap_Revenues
Expenses:
Employee costs	14,486us-gaap_SalariesAndWages	10,890us-gaap_SalariesAndWages
General and administrative	4,836us-gaap_GeneralAndAdministrativeExpense	3,603us-gaap_GeneralAndAdministrativeExpense
Interest	13,173us-gaap_InterestExpense	13,381us-gaap_InterestExpense
Provision for credit losses	33,439us-gaap_ProvisionForLoanAndLeaseLosses	23,880us-gaap_ProvisionForLoanAndLeaseLosses
Marketing	4,204us-gaap_SellingAndMarketingExpense	3,846us-gaap_SellingAndMarketingExpense
Occupancy	954us-gaap_OccupancyNet	688us-gaap_OccupancyNet
Depreciation and amortization	148us-gaap_DepreciationAndAmortization	94us-gaap_DepreciationAndAmortization
Total	71,240us-gaap_DirectOperatingCosts	56,382us-gaap_DirectOperatingCosts
Income before income tax expense	14,749	11,764
Income tax expense	6,416us-gaap_IncomeTaxExpenseBenefit	5,059us-gaap_IncomeTaxExpenseBenefit
Net income	$ 8,333us-gaap_NetIncomeLoss	$ 6,705us-gaap_NetIncomeLoss
Earnings per share:
Basic	$ 0.33us-gaap_EarningsPerShareBasic	$ 0.28us-gaap_EarningsPerShareBasic
Diluted	$ 0.26us-gaap_EarningsPerShareDiluted	$ 0.21us-gaap_EarningsPerShareDiluted
Number of shares used in computing earnings per share:
Basic	25,635	24,355
Diluted	31,991	32,011

The current period expense charged against earnings on long-lived, physical assets not used in production, and which are not intended for resale, to allocate or recognize the cost of such assets over their useful lives; or to record the reduction in book value of an intangible asset over the benefit period of such asset; or to reflect consumption during the period of an asset that is not used in production.

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 360

-SubTopic 10

-Section 50

-Paragraph 1

-Subparagraph (a)

-URI http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 230

-SubTopic 10

-Section 45

-Paragraph 28

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585