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SEGMENT INFORMATION (Details) (USD $)
In Thousands, unless otherwise specified
3 Months Ended 6 Months Ended
Jun. 30, 2014
Jun. 30, 2013
Jun. 30, 2014
segment
Jun. 30, 2013
SEGMENT INFORMATION        
Number of reportable operating segments     1  
Revenue $ 42,144 $ 37,406 $ 82,180 $ 65,486
Cost of revenue (exclusive of depreciation shown separately below) 1,895 1,950 3,560 3,306
Selling and marketing expense 28,964 26,386 56,413 43,641
General and administrative expense 5,478 5,651 11,611 12,207
Product development 1,826 1,492 3,758 2,697
Depreciation 946 872 1,701 1,757
Amortization of intangibles 27 43 55 86
Restructuring and severance 23 148 225 146
Litigation settlements and contingencies 385 2,909 8,092 3,937
Total costs and expenses 39,544 39,451 85,415 67,777
Operating income (loss) 2,600 (2,045) (3,235) (2,291)
Adjustments to reconcile to Adjusted EBITDA:        
Amortization of intangibles 27 43 55 86
Depreciation 946 872 1,701 1,757
Restructuring and severance 23 148 225 146
Loss (gain) on disposal of assets 44 0 52 24
Non-cash compensation 1,421 1,432 3,037 2,866
Acquisition expense 74   74  
Discretionary cash bonus       920
Litigation settlements and contingencies 385 2,909 8,092 3,937
Adjusted EBITDA 5,520 3,359 10,001 7,445
Adjustments to reconcile to Income before taxes:        
Operating income (loss) 2,600 (2,045) (3,235) (2,291)
Interest expense 0 (7) 0 (14)
Income (loss) before income taxes 2,600 (2,052) (3,235) (2,305)
Lending
       
SEGMENT INFORMATION        
Revenue 39,049 33,781 75,977 59,454
Cost of revenue (exclusive of depreciation shown separately below) 1,773 1,395 3,318 2,550
Selling and marketing expense 26,952 24,119 52,571 39,279
General and administrative expense 1,247 874 2,493 1,852
Product development 1,474 1,226 3,097 2,176
Depreciation 400 345 763 719
Amortization of intangibles 0 0 0 0
Restructuring and severance 14 23 162 23
Litigation settlements and contingencies 0 0 0 0
Total costs and expenses 31,860 27,982 62,404 46,599
Operating income (loss) 7,189 5,799 13,573 12,855
Adjustments to reconcile to Adjusted EBITDA:        
Amortization of intangibles 0 0 0 0
Depreciation 400 345 763 719
Restructuring and severance 14 23 162 23
Loss (gain) on disposal of assets 0 0 0 0
Non-cash compensation 528 483 1,127 896
Acquisition expense 0   0  
Discretionary cash bonus       0
Litigation settlements and contingencies 0 0 0 0
Adjusted EBITDA 8,131 6,650 15,625 14,493
Adjustments to reconcile to Income before taxes:        
Operating income (loss) 7,189 5,799 13,573 12,855
Other
       
SEGMENT INFORMATION        
Revenue 3,095 3,003 6,203 5,410
Cost of revenue (exclusive of depreciation shown separately below) 122 163 242 337
Selling and marketing expense 2,012 2,262 3,842 4,357
General and administrative expense 615 420 1,397 930
Product development 352 266 661 521
Depreciation 441 426 734 843
Amortization of intangibles 27 43 55 86
Restructuring and severance 0 125 15 125
Litigation settlements and contingencies 0 0 0 0
Total costs and expenses 3,569 3,705 6,946 7,199
Operating income (loss) (474) (702) (743) (1,789)
Adjustments to reconcile to Adjusted EBITDA:        
Amortization of intangibles 27 43 55 86
Depreciation 441 426 734 843
Restructuring and severance 0 125 15 125
Loss (gain) on disposal of assets 27 0 35 0
Non-cash compensation 169 95 434 237
Acquisition expense 74   74  
Discretionary cash bonus       0
Litigation settlements and contingencies 0 0 0 0
Adjusted EBITDA 264 (13) 604 (498)
Adjustments to reconcile to Income before taxes:        
Operating income (loss) (474) (702) (743) (1,789)
Corporate
       
SEGMENT INFORMATION        
Revenue 0 622 0 622
Cost of revenue (exclusive of depreciation shown separately below) 0 392 0 419
Selling and marketing expense 0 5 0 5
General and administrative expense 3,616 4,357 7,721 9,425
Product development 0 0 0 0
Depreciation 105 101 204 195
Amortization of intangibles 0 0 0 0
Restructuring and severance 9 0 48 (2)
Litigation settlements and contingencies 385 2,909 8,092 3,937
Total costs and expenses 4,115 7,764 16,065 13,979
Operating income (loss) (4,115) (7,142) (16,065) (13,357)
Adjustments to reconcile to Adjusted EBITDA:        
Amortization of intangibles 0 0 0 0
Depreciation 105 101 204 195
Restructuring and severance 9 0 48 (2)
Loss (gain) on disposal of assets 17 0 17 24
Non-cash compensation 724 854 1,476 1,733
Acquisition expense 0   0  
Discretionary cash bonus       920
Litigation settlements and contingencies 385 2,909 8,092 3,937
Adjusted EBITDA (2,875) (3,278) (6,228) (6,550)
Adjustments to reconcile to Income before taxes:        
Operating income (loss) $ (4,115) $ (7,142) $ (16,065) $ (13,357)