UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) shares in Thousands, $ in Thousands	3 Months Ended	9 Months Ended
Sep. 30, 2018	Sep. 30, 2017	Sep. 30, 2018	Sep. 30, 2017
Revenues:
Interest income	$ 93,617	$ 107,014	$ 291,535	$ 319,074
Other income	2,014	2,474	7,022	8,084
Total revenues	95,631	109,488	298,557	327,158
Expenses:
Employee costs	18,806	18,455	59,288	53,807
General and administrative	7,784	6,355	22,730	20,096
Interest	25,808	23,317	75,057	68,641
Provision for credit losses	31,959	47,336	107,997	143,053
Marketing	4,377	3,807	13,176	11,757
Occupancy	1,935	1,865	5,644	5,258
Depreciation and amortization	256	244	746	692
Total operating expenses	90,925	101,379	284,638	303,304
Income before income tax expense	4,706	8,109	13,919	23,854
Income tax expense	1,508	3,446	4,409	10,138
Net income	$ 3,198	$ 4,663	$ 9,510	$ 13,716
Earnings per share:
Basic (in dollars per share)	$ 0.14	$ 0.21	$ 0.44	$ 0.6
Diluted (in dollars per share)	$ 0.13	$ 0.17	$ 0.38	$ 0.5
Number of shares used in computing earnings per share:
Basic (in shares)	22,636	22,473	21,800	23,019
Diluted (in shares)	24,735	26,779	25,178	27,606

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.

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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