UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
Mar. 31, 2018	Mar. 31, 2017
Revenues:
Interest income	$ 100,906	$ 104,575
Other income	2,657	3,023
Total revenues	103,563	107,598
Expenses:
Employee costs	20,641	17,780
General and administrative	7,495	6,922
Interest	24,062	22,088
Provision for credit losses	40,507	47,167
Marketing	4,211	3,960
Occupancy	1,850	1,661
Depreciation and amortization	240	228
Total operating expenses	99,006	99,806
Income before income tax expense	4,557	7,792
Income tax expense	1,412	3,312
Net income	$ 3,145	$ 4,480
Earnings per share:
Basic (in dollars per share)	$ 0.15	$ 0.19
Diluted (in dollars per share)	$ 0.12	$ 0.16
Number of shares used in computing earnings per share:
Basic (in shares)	21,576	23,517
Diluted (in shares)	25,664	28,223

The aggregate expense recognized in the current period that allocates the cost of tangible assets, intangible assets, or depleting assets to periods that benefit from use of the assets.

Name:	us-gaap_DepreciationDepletionAndAmortization
Namespace Prefix:	us-gaap_
Data Type:	xbrli:monetaryItemType
Balance Type:	debit
Period Type:	duration

- Definition

The aggregate direct operating costs incurred during the reporting period.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.2)
-URI http://asc.fasb.org/extlink&oid=115205541&loc=SL114868664-224227