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UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Jun. 30, 2018
Jun. 30, 2017
Revenues:        
Interest income $ 97,012 $ 107,485 $ 197,918 $ 212,060
Other income 2,350 2,587 5,008 5,610
Total revenues 99,362 110,072 202,926 217,670
Expenses:        
Employee costs 19,842 17,572 40,483 35,352
General and administrative 7,450 6,819 14,946 13,741
Interest 25,187 23,236 49,249 45,324
Provision for credit losses 35,531 48,550 76,038 95,717
Marketing 4,588 3,990 8,798 7,950
Occupancy 1,860 1,733 3,709 3,394
Depreciation and amortization 250 220 490 448
Total operating expenses 94,708 102,120 193,713 201,926
Income before income tax expense 4,654 7,952 9,213 15,744
Income tax expense 1,489 3,380 2,901 6,692
Net income $ 3,165 $ 4,572 $ 6,312 $ 9,052
Earnings per share:        
Basic (in dollars per share) $ 0.15 $ 0.20 $ 0.30 $ 0.39
Diluted (in dollars per share) $ 0.13 $ 0.17 $ 0.25 $ 0.32
Number of shares used in computing earnings per share:        
Basic (in shares) 21,178 23,076 21,375 23,296
Diluted (in shares) 25,123 27,602 25,393 28,024