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UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS (USD $) In Thousands, except Share data, unless otherwise specified | 3 Months Ended
--- | ---
Mar. 31, 2015 | Mar. 31, 2014
Revenues: |  |
Interest income | $ 82,359us-gaap_InterestAndFeeIncomeLoansConsumer | $ 64,996us-gaap_InterestAndFeeIncomeLoansConsumer
Servicing fees | 148us-gaap_ServicingFeesNet | 513us-gaap_ServicingFeesNet
Other income | 3,482us-gaap_OtherOperatingIncome | 2,637us-gaap_OtherOperatingIncome
Total | 85,989us-gaap_Revenues | 68,146us-gaap_Revenues
Expenses: |  |
Employee costs | 14,486us-gaap_SalariesAndWages | 10,890us-gaap_SalariesAndWages
General and administrative | 4,836us-gaap_GeneralAndAdministrativeExpense | 3,603us-gaap_GeneralAndAdministrativeExpense
Interest | 13,173us-gaap_InterestExpense | 13,381us-gaap_InterestExpense
Provision for credit losses | 33,439us-gaap_ProvisionForLoanAndLeaseLosses | 23,880us-gaap_ProvisionForLoanAndLeaseLosses
Marketing | 4,204us-gaap_SellingAndMarketingExpense | 3,846us-gaap_SellingAndMarketingExpense
Occupancy | 954us-gaap_OccupancyNet | 688us-gaap_OccupancyNet
Depreciation and amortization | 148us-gaap_DepreciationAndAmortization | 94us-gaap_DepreciationAndAmortization
Total | 71,240us-gaap_DirectOperatingCosts | 56,382us-gaap_DirectOperatingCosts
Income before income tax expense | 14,749us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments | 11,764us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
Income tax expense | 6,416us-gaap_IncomeTaxExpenseBenefit | 5,059us-gaap_IncomeTaxExpenseBenefit
Net income | $ 8,333us-gaap_NetIncomeLoss | $ 6,705us-gaap_NetIncomeLoss
Earnings per share: |  |
Basic | $ 0.33us-gaap_EarningsPerShareBasic | $ 0.28us-gaap_EarningsPerShareBasic
Diluted | $ 0.26us-gaap_EarningsPerShareDiluted | $ 0.21us-gaap_EarningsPerShareDiluted
Number of shares used in computing earnings per share: |  |
Basic | 25,635us-gaap_WeightedAverageNumberOfSharesOutstandingBasic | 24,355us-gaap_WeightedAverageNumberOfSharesOutstandingBasic
Diluted | 31,991us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding | 32,011us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding

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