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UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
3 Months Ended
Mar. 31, 2019
Mar. 31, 2018
Revenues:    
Interest income $ 85,845 $ 100,906
Other income 2,385 2,657
Total revenues 88,230 103,563
Expenses:    
Employee costs 19,073 20,641
General and administrative 8,174 7,495
Interest 27,290 24,062
Provision for credit losses 23,956 40,507
Marketing 4,836 4,211
Occupancy 1,974 1,850
Depreciation and amortization 251 240
Total operating expenses 85,554 99,006
Income before income tax expense 2,676 4,557
Income tax expense 937 1,412
Net income $ 1,739 $ 3,145
Earnings per share:    
Basic (in dollars per share) $ 0.08 $ 0.15
Diluted (in dollars per share) $ 0.07 $ 0.12
Number of shares used in computing earnings per share:    
Basic (in shares) 22,242 21,576
Diluted (in shares) 24,259 25,664