CONSOLIDATED STATEMENTS OF OPERATIONS (USD $) In Thousands, except Share data, unless otherwise specified	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Revenues:
Interest income	$ 175,314	$ 127,856
Servicing fees	2,305	4,348
Other income	9,589	10,927
Total	187,208	143,131
Expenses:
Employee costs	35,573	32,270
General and administrative	15,429	14,590
Interest	79,422	83,054
Provision for credit losses	33,495	15,508
Marketing	10,665	8,491
Occupancy	2,894	3,006
Depreciation and amortization	543	672
Total	178,021	157,591
Income (loss) before income tax expense	9,187	(14,460)
Income tax expense (benefit)	(60,221)
Net income (loss)	$ 69,408	$ (14,460)
Income (loss) per share:
Basic	$ 3.56	$ (0.76)
Diluted	$ 2.72	$ (0.76)
Number of shares used in computing income (loss) per share:
Basic	19,473	19,013
Diluted	25,478	19,013