CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Operating activities
Net income	$ 118,518	$ 128,812
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provisions for credit losses	114,112	98,050
Income tax expense	37,338	37,356
Amortization of brokered deposit placement fee	3,121	3,425
Amortization of Secured Borrowing Facility upfront fee	723	569
Amortization of deferred loan origination costs and loan premium/(discounts), net	3,421	4,455
Net amortization of discount on investments	(622)	965
Increase in tax indemnification receivable	(42)	(108)
Depreciation of premises and equipment	4,524	4,189
Acquired intangible assets amortization expense	2,272	733
Stock-based compensation expense	11,536	11,921
Unrealized (gains) losses on derivatives and hedging activities, net	(56)	315
(Gains) losses on sales of loans, net	9	(9,881)
(Gains) losses on securities, net	(1,711)	3,580
Acquisition transaction costs, net	0	2,511
Other adjustments to net income, net	3,063	3,655
Changes in operating assets and liabilities:
Increase in accrued interest receivable	(257,888)	(185,294)
Increase in non-marketable securities	0	(992)
(Increase) decrease in other interest-earning assets	(1,869)	328
Increase in other assets	(26,632)	(17,529)
Increase (decrease) in income taxes payable, net	2,483	(4,243)
Increase in accrued interest payable	20,358	14,779
Decrease in other liabilities	(23,770)	(34,808)
Total adjustments	(109,630)	(66,024)
Total net cash provided by operating activities	8,888	62,788
Investing activities
Loans acquired and originated	(2,463,358)	(2,215,958)
Net proceeds from sales of loans held for investment	(9)	45,729
Proceeds from FFELP Loan claim payments	11,274	5,594
Net (Increase) Decrease In Loans Held For Investment, Excluding Loans Acquired, Originated, And Sales	912,681	1,153,297
Purchases of available-for-sale securities	(4,992)	(536,633)
Proceeds from sales and maturities of available-for-sale securities	73,352	686,806
Purchase of subsidiary, net of cash acquired	0	(127,702)
Total net cash used in investing activities	(1,471,052)	(988,867)
Financing activities
Brokered deposit placement fee	(2,634)	(2,207)
Net increase (decrease) in certificates of deposit	515,909	(127,815)
Net increase (decrease) in other deposits	(167,836)	543,767
Borrowings collateralized by loans in securitization trusts - issued	569,871	0
Borrowings collateralized by loans in securitization trusts - repaid	(293,120)	(381,005)
Issuance costs for unsecured debt offering	0	(360)
Fees paid on Secured Borrowing Facility	(16)	0
Common stock dividends paid	(26,635)	(30,493)
Preferred stock dividends paid	(4,063)	(1,275)
Common stock repurchased	(4,005)	(169,322)
Total net cash provided by (used in) financing activities	587,471	(168,710)
Net increase (decrease) in cash, cash equivalents and restricted cash	(874,693)	(1,094,789)
Cash, cash equivalents and restricted cash at beginning of period	4,772,836	4,545,344
Cash, cash equivalents and restricted cash at end of period	3,898,143	3,450,555
Cash disbursements made for:
Interest	198,874	68,458
Income taxes paid	4,700	5,066
Income taxes refunded	(7,273)	(916)
Reconciliation of the Consolidated Statements of Cash Flows to the Consolidated Balance Sheets:
Cash and cash equivalents	3,716,379	3,262,595
Restricted cash	181,764	187,960
Total cash, cash equivalents and restricted cash	$ 3,898,143	$ 3,450,555