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UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2023
Mar. 31, 2022
Revenues:    
Interest income $ 80,062 $ 70,060
Mark to finance receivables measured at fair value 0 2,400
Other income 3,038 1,906
Total revenues 83,100 74,366
Expenses:    
Employee costs 22,033 22,152
General and administrative 11,396 8,231
Interest 32,759 16,400
Provision for credit losses (9,000) (9,400)
Sales 5,724 5,386
Occupancy 1,526 1,852
Depreciation and amortization 231 417
Total operating expenses 64,669 45,038
Income before income tax expense 18,431 29,328
Income tax expense 4,608 8,213
Net income $ 13,823 $ 21,115
Earnings per share:    
Basic $ 0.68 $ 0.99
Diluted $ 0.54 $ 0.75
Number of shares used in computing earnings per share:    
Basic 20,418 21,221
Diluted 25,392 28,197