XML 14 R4.htm IDEA: XBRL DOCUMENT v3.21.2
CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2021
Jun. 30, 2020
Jun. 30, 2021
Jun. 30, 2020
Revenues:        
Interest income $ 65,440 $ 75,552 $ 131,533 $ 154,689
Mark to finance receivables measured at fair value 0 (9,549) (4,417) (19,899)
Other income 1,329 1,289 2,765 3,269
Total revenues 66,769 67,292 129,881 138,059
Expenses:        
Employee costs 19,448 19,828 39,607 41,671
General and administrative 7,831 7,837 15,579 16,506
Interest 18,980 26,485 39,925 53,476
Provision for credit losses 0 3,100 0 6,713
Sales 4,201 3,079 8,187 7,508
Occupancy 2,016 1,833 3,918 3,524
Depreciation and amortization 417 487 845 906
Total operating expenses 52,893 62,649 108,061 130,304
Income before income tax expense (benefit) 13,876 4,643 21,820 7,755
Income tax expense (benefit) 4,163 1,671 6,943 (6,009)
Net income $ 9,713 $ 2,972 $ 14,877 $ 13,764
Earnings per share:        
Basic $ 0.43 $ 0.13 $ 0.65 $ 0.61
Diluted $ 0.39 $ 0.13 $ 0.59 $ 0.58
Number of shares used in computing earnings per share:        
Basic 22,842 22,685 22,791 22,612
Diluted 25,130 23,687 25,048 23,783