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UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2016
Mar. 31, 2015
Revenues:    
Interest income $ 96,663 $ 82,359
Servicing fees 23 148
Other income 3,963 3,482
Total revenues 100,649 85,989
Expenses:    
Employee costs 15,143 14,486
General and administrative 5,331 4,836
Interest 17,821 13,173
Provision for credit losses 44,197 33,439
Marketing 4,670 4,204
Occupancy 1,083 954
Depreciation and amortization 175 148
Total operating expenses 88,420 71,240
Income before income tax expense 12,229 14,749
Income tax expense 5,015 6,416
Net income $ 7,214 $ 8,333
Earnings per share:    
Basic $ .29 $ .33
Diluted $ .24 $ .26
Number of shares used in computing earnings per share:    
Basic 25,296,000 25,635,000
Diluted 30,154,000 31,991,000