CONSOLIDATED STATEMENTS OF INCOME - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Revenues:
Interest income	$ 337,096	$ 380,297	$ 424,174
Other income	8,704	9,478	10,209
Total revenues	345,800	389,775	434,383
Expenses:
Employee costs	80,877	79,318	72,967
General and administrative	33,004	31,037	26,578
Interest	110,528	101,466	92,345
Provision for credit losses	85,773	133,080	186,713
Sales	17,893	17,572	15,613
Occupancy	7,487	7,607	7,162
Depreciation and amortization	1,076	992	934
Total operating expenses	336,638	371,072	402,312
Income before income tax expense	9,162	18,703	32,071
Income tax expense	3,756	3,841	28,306
Net income	$ 5,406	$ 14,862	$ 3,765
Earnings per share:
Basic (in dollars per share)	$ 0.24	$ 0.68	$ 0.17
Diluted (in dollars per share)	$ 0.22	$ 0.59	$ 0.14
Number of shares used in computing earnings per share:
Basic (in shares)	22,416	21,989	22,687
Diluted (in shares)	24,064	24,988	27,214

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=116634182&loc=SL114868664-224227