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UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands | 3 Months Ended
--- | ---
Mar. 31, 2016 | Mar. 31, 2015
Revenues: |  |
Interest income | $ 96,663 | $ 82,359
Servicing fees | 23 | 148
Other income | 3,963 | 3,482
Total revenues | 100,649 | 85,989
Expenses: |  |
Employee costs | 15,143 | 14,486
General and administrative | 5,331 | 4,836
Interest | 17,821 | 13,173
Provision for credit losses | 44,197 | 33,439
Marketing | 4,670 | 4,204
Occupancy | 1,083 | 954
Depreciation and amortization | 175 | 148
Total operating expenses | 88,420 | 71,240
Income before income tax expense | 12,229 | 14,749
Income tax expense | 5,015 | 6,416
Net income | $ 7,214 | $ 8,333
Earnings per share: |  |
Basic | $ .29 | $ .33
Diluted | $ .24 | $ .26
Number of shares used in computing earnings per share: |  |
Basic | 25,296,000 | 25,635,000
Diluted | 30,154,000 | 31,991,000

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