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UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Revenues:        
Interest income $ 101,709 $ 84,900 $ 198,372 $ 167,259
Servicing fees 24 62 47 210
Other income 3,200 3,399 7,163 6,881
Total revenues 104,933 88,361 205,582 174,350
Expenses:        
Employee costs 15,678 13,144 30,822 27,630
General and administrative 6,569 5,108 11,900 9,944
Interest 19,727 13,688 37,548 26,861
Provision for credit losses 44,423 35,683 88,619 69,122
Marketing 4,731 4,436 9,401 8,639
Occupancy 1,288 949 2,371 1,904
Depreciation and amortization 192 153 367 301
Total operating expenses 92,608 73,161 181,028 144,401
Income before income tax expense 12,325 15,200 24,554 29,949
Income tax expense 5,053 6,663 10,068 13,079
Net income $ 7,272 $ 8,537 $ 14,486 $ 16,870
Earnings per share:        
Basic $ .30 $ .33 $ .58 $ .65
Diluted $ .25 $ .27 $ .49 $ .53
Number of shares used in computing earnings per share:        
Basic 24,538 26,234 24,917 25,936
Diluted 29,111 31,917 29,632 31,955