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UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Sep. 30, 2015
Sep. 30, 2014
Revenues:        
Interest income $ 90,584 $ 73,865 $ 257,843 $ 207,082
Servicing fees 73 278 283 1,158
Other income 3,334 2,907 10,215 8,550
Total 93,991 77,050 268,341 216,790
Expenses:        
Employee costs 15,254 12,733 42,884 35,397
General and administrative 5,005 5,804 14,949 14,482
Interest 14,848 12,239 41,709 37,562
Provision for credit losses 37,411 27,287 106,533 76,795
Marketing 4,608 4,167 13,247 11,826
Occupancy 1,046 898 2,950 2,493
Depreciation and amortization 170 118 471 339
Total 78,342 63,246 222,743 178,894
Income before income tax expense 15,649 13,804 45,598 37,896
Income tax expense 6,806 6,028 19,885 16,390
Net income $ 8,843 $ 7,776 $ 25,713 $ 21,506
Earnings per share:        
Basic $ .34 $ .31 $ .99 $ .86
Diluted $ .28 $ .24 $ .81 $ .67
Number of shares used in computing earnings per share:        
Basic 26,093,000 25,290,000 25,989,000 24,895,000
Diluted 31,476,000 32,040,000 31,796,000 32,021,000