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UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Revenues:    
Interest income $ 84,288 $ 80,062
Mark to finance receivables measured at fair value 5,000 0
Other income 2,456 3,038
Total revenues 91,744 83,100
Expenses:    
Employee costs 24,416 22,033
General and administrative 13,753 11,396
Interest 41,968 32,759
Provision for credit losses (1,635) (9,000)
Sales 4,870 5,724
Occupancy 1,600 1,526
Depreciation and amortization 215 231
Total operating expenses 85,187 64,669
Income before income tax expense 6,557 18,431
Income tax expense 1,967 4,608
Net income $ 4,590 $ 13,823
Earnings per share:    
Basic $ 0.22 $ 0.68
Diluted $ 0.19 $ 0.54
Number of shares used in computing earnings per share:    
Basic 21,143 20,418
Diluted 24,602 25,392