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UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2016
Sep. 30, 2015
Sep. 30, 2016
Sep. 30, 2015
Revenues:        
Interest income $ 105,376 $ 90,584 $ 303,748 $ 257,843
Servicing fees 26 73 73 283
Other income 3,114 3,334 10,278 10,215
Total revenues 108,516 93,991 314,099 268,341
Expenses:        
Employee costs 16,688 15,254 47,510 42,884
General and administrative 6,316 5,005 18,216 14,949
Interest 20,893 14,848 58,442 41,709
Provision for credit losses 46,262 37,411 134,881 106,533
Marketing 4,463 4,608 13,864 13,247
Occupancy 1,237 1,046 3,608 2,950
Depreciation and amortization 202 170 568 471
Total operating expenses 96,061 78,342 277,089 222,743
Income before income tax expense 12,455 15,649 37,010 45,598
Income tax expense 5,107 6,806 15,175 19,885
Net income $ 7,348 $ 8,843 $ 21,835 $ 25,713
Earnings per share:        
Basic $ 0.31 $ 0.34 $ 0.89 $ 0.99
Diluted $ 0.26 $ 0.28 $ 0.75 $ 0.81
Number of shares used in computing earnings per share:        
Basic 23,894,000 26,093,000 24,574,000 25,989,000
Diluted 28,503,000 31,476,000 29,253,000 31,796,000