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UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2015
Jun. 30, 2014
Jun. 30, 2015
Jun. 30, 2014
Revenues:        
Interest income $ 84,900 $ 68,221 $ 167,259 $ 133,217
Servicing fees 62 367 210 880
Other income 3,399 3,006 6,881 5,643
Total 88,361 71,594 174,350 139,740
Expenses:        
Employee costs 13,144 11,774 27,630 22,664
General and administrative 5,108 5,075 9,944 8,678
Interest 13,688 11,942 26,861 25,323
Provision for credit losses 35,683 25,627 69,122 49,508
Marketing 4,436 3,812 8,639 7,658
Occupancy 949 908 1,904 1,595
Depreciation and amortization 153 127 301 221
Total 73,161 59,265 144,401 115,647
Income before income tax expense 15,200 12,329 29,949 24,093
Income tax expense 6,663 5,303 13,079 10,362
Net income $ 8,537 $ 7,026 $ 16,870 $ 13,731
Earnings per share:        
Basic $ 0.33 $ 0.28 $ 0.65 $ 0.56
Diluted $ 0.27 $ 0.22 $ 0.53 $ 0.43
Number of shares used in computing earnings per share:        
Basic 26,234 25,029 25,936 24,694
Diluted 31,917 32,002 31,955 32,009