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UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2017
Jun. 30, 2016
Jun. 30, 2017
Jun. 30, 2016
Revenues:        
Interest income $ 107,485 $ 101,709 $ 212,060 $ 198,372
Other income 2,587 3,224 5,610 7,210
Total revenues 110,072 104,933 217,670 205,582
Expenses:        
Employee costs 17,572 15,678 35,352 30,822
General and administrative 6,819 6,569 13,741 11,900
Interest 23,236 19,727 45,324 37,548
Provision for credit losses 48,550 44,423 95,717 88,619
Marketing 3,990 4,731 7,950 9,401
Occupancy 1,733 1,288 3,394 2,371
Depreciation and amortization 220 192 448 367
Total operating expenses 102,120 92,608 201,926 181,028
Income before income tax expense 7,952 12,325 15,744 24,554
Income tax expense 3,380 5,053 6,692 10,068
Net income $ 4,572 $ 7,272 $ 9,052 $ 14,486
Earnings per share:        
Basic $ .20 $ .30 $ 0.39 $ 0.58
Diluted $ 0.17 $ 0.25 $ 0.32 $ 0.49
Number of shares used in computing earnings per share:        
Basic 23,076 24,538 23,296 24,917
Diluted 27,602 29,111 28,024 29,632