XML 14 R4.htm IDEA: XBRL DOCUMENT v3.8.0.1
UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2017
Sep. 30, 2016
Sep. 30, 2017
Sep. 30, 2016
Revenues:        
Interest income $ 107,014 $ 105,376 $ 319,074 $ 303,748
Other income 2,474 3,140 8,084 10,351
Total revenues 109,488 108,516 327,158 314,099
Expenses:        
Employee costs 18,455 16,688 53,807 47,510
General and administrative 6,355 6,316 20,096 18,216
Interest 23,317 20,893 68,641 58,442
Provision for credit losses 47,336 46,262 143,053 134,881
Marketing 3,807 4,463 11,757 13,864
Occupancy 1,865 1,237 5,258 3,608
Depreciation and amortization 244 202 692 568
Total operating expenses 101,379 96,061 303,304 277,089
Income before income tax expense 8,109 12,455 23,854 37,010
Income tax expense 3,446 5,107 10,138 15,175
Net income $ 4,663 $ 7,348 $ 13,716 $ 21,835
Earnings per share:        
Basic $ 0.21 $ 0.31 $ 0.6 $ 0.89
Diluted $ 0.17 $ 0.26 $ 0.5 $ 0.75
Number of shares used in computing earnings per share:        
Basic 22,473 23,894 23,019 24,574
Diluted 26,779 28,503 27,606 29,253