CONSOLIDATED STATEMENTS OF INCOME - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Revenues:
Interest income	$ 380,297	$ 424,174	$ 408,996
Other income	9,478	10,209	13,286
Total revenues	389,775	434,383	422,282
Expenses:
Employee costs	79,318	72,967	65,549
General and administrative	31,037	26,578	24,840
Interest	101,466	92,345	79,941
Provision for credit losses	133,080	186,713	178,511
Marketing	17,572	15,613	17,818
Occupancy	7,607	7,162	5,185
Depreciation and amortization	992	934	777
Total operating expenses	371,072	402,312	372,621
Income before income tax expense	18,703	32,071	49,661
Income tax expense	3,841	28,306	20,361
Net income	$ 14,862	$ 3,765	$ 29,300
Earnings per share:
Basic (in dollars per share)	$ 0.68	$ 0.17	$ 1.20
Diluted (in dollars per share)	$ 0.59	$ 0.14	$ 1.01
Number of shares used in computing earnings per share:
Basic (in shares)	21,989	22,687	24,356
Diluted (in shares)	24,988	27,214	29,035

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