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UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2019
Sep. 30, 2018
Sep. 30, 2019
Sep. 30, 2018
Revenues:        
Interest income $ 83,528 $ 93,617 $ 253,822 $ 291,535
Other income 1,994 2,014 6,255 7,022
Total revenues 85,522 95,631 260,077 298,557
Expenses:        
Employee costs 20,251 18,806 59,030 59,288
General and administrative 8,185 7,784 25,109 22,730
Interest 27,940 25,808 82,933 75,057
Provision for credit losses 19,874 31,959 64,319 107,997
Sales 4,407 4,377 13,877 13,176
Occupancy 1,760 1,935 5,745 5,644
Depreciation and amortization 276 256 789 746
Total operating expenses 82,693 90,925 251,802 284,638
Income before income tax expense 2,829 4,706 8,275 13,919
Income tax expense 991 1,508 2,898 4,409
Net income $ 1,838 $ 3,198 $ 5,377 $ 9,510
Earnings per share:        
Basic (in dollars per share) $ 0.08 $ 0.14 $ 0.24 $ 0.44
Diluted (in dollars per share) $ 0.08 $ 0.13 $ 0.22 $ 0.38
Number of shares used in computing earnings per share:        
Basic (in shares) 22,526 22,636 22,378 21,800
Diluted (in shares) 24,066 24,735 24,102 25,178