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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
shares in Thousands, $ in Thousands
 12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
Revenues:      
Interest income $ 424,174 $ 408,996 $ 349,912
Other income 10,209 13,286 13,738
Total revenues 434,383 422,282 363,650
Expenses:      
Employee costs 72,967 65,549 59,556
General and administrative 26,578 24,840 20,160
Interest 92,345 79,941 57,745
Provision for credit losses 186,713 178,511 142,618
Marketing 15,613 17,818 17,470
Occupancy 7,162 5,185 4,082
Depreciation and amortization 934 777 637
Total operating expenses 402,312 372,621 302,268
Income before income tax expense 32,071 49,661 61,382
Income tax expense 28,306 20,361 26,701
Net income $ 3,765 $ 29,300 $ 34,681
Earnings per share:      
Basic (in dollars per share) $ 0.17 $ 1.20 $ 1.34
Diluted (in dollars per share) $ 0.14 $ 1.01 $ 1.10
Number of shares used in computing earnings per share:      
Basic (in shares) 22,687 24,356 25,935
Diluted (in shares) 27,214 29,035 31,584