| Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 |
|---|---|---|---|---|---|---|---|---|---|
Revenues: | |||||||||
Interest income | |||||||||
337,096 | 380,297 | 424,174 | 408,996 | 349,912 | 286,734 | 231,330 | 175,314 | - | - |
Interest income | |||||||||
- | - | - | - | - | - | - | - | 127,856 | 137,090 |
Servicing fees | |||||||||
- | - | - | - | - | - | 3,093 | 2,305 | 4,348 | 7,657 |
Other income | |||||||||
8,704 | 9,478 | 10,209 | 13,286 | 13,738 | 13,522 | 10,405 | 9,589 | 10,927 | 10,438 |
Gain on cancellation of debt | |||||||||
- | - | - | - | - | - | 10,947 | 0 | - | - |
Total revenues | |||||||||
345,800 | 389,775 | 434,383 | 422,282 | 363,650 | 300,256 | 255,775 | 187,208 | 143,131 | 155,185 |
Expenses: | |||||||||
Employee costs | |||||||||
80,877 | 79,318 | 72,967 | 65,549 | 59,556 | 50,129 | 42,960 | 35,573 | 32,270 | 33,814 |
General and administrative | |||||||||
33,004 | 31,037 | 26,578 | 24,840 | 20,160 | 19,254 | 16,345 | 15,429 | 14,590 | 18,526 |
Interest | |||||||||
110,528 | 101,466 | 92,345 | 79,941 | 57,745 | 50,395 | 58,179 | 79,422 | 83,054 | 81,577 |
Provision for credit losses | |||||||||
85,773 | 133,080 | 186,713 | 178,511 | 142,618 | 108,228 | 76,869 | 33,495 | 15,508 | 29,921 |
Provision for contingent liabilities | |||||||||
- | - | - | - | - | - | 7,841 | 0 | - | - |
Sales | |||||||||
17,893 | 17,572 | 15,613 | 17,818 | 17,470 | 16,116 | 13,363 | 10,665 | 8,491 | 3,826 |
Occupancy | |||||||||
7,487 | 7,607 | 7,162 | 5,185 | 4,082 | 3,464 | 2,608 | 2,894 | 3,006 | 3,067 |
Depreciation and amortization | |||||||||
1,076 | 992 | 934 | 777 | 637 | 428 | - | - | - | - |
Depreciation and amortization | |||||||||
- | - | - | - | - | - | 437 | 543 | 672 | 649 |
Total operating expenses | |||||||||
336,638 | 371,072 | 402,312 | 372,621 | 302,268 | 248,014 | 218,602 | 178,021 | 157,591 | - |
- | - | - | - | - | - | - | - | - | 171,380 |
Income before income tax expense (benefit) | |||||||||
9,162 | 18,703 | 32,071 | 49,661 | 61,382 | 52,242 | 37,173 | 9,187 | -14,460 | -16,195 |
Income tax expense (benefit) | |||||||||
3,756 | 3,841 | 28,306 | 20,361 | 26,701 | 22,726 | 16,168 | -60,221 | 0 | 16,982 |
Net income | |||||||||
5,406 | 14,862 | 3,765 | 29,300 | 34,681 | 29,516 | 21,005 | 69,408 | -14,460 | -33,177 |
Earnings per share: | |||||||||
Earnings per share: Basic | |||||||||
0.24 | 0.68 | 0.17 | 1.20 | 1.34 | 1.18 | 0.98 | 3.56 | -0.76 | -1.90 |
Earnings per share: Diluted | |||||||||
0.22 | 0.59 | 0.14 | 1.01 | 1.10 | 0.92 | 0.67 | 2.72 | -0.76 | -1.90 |
Number of shares used in computing earnings per share: | |||||||||
Number of shares used in computing earnings per share: Basic | |||||||||
22,416 | 21,989 | 22,687 | 24,356 | 25,935 | 25,040 | 21,538 | 19,473 | 19 | 17 |
Number of shares used in computing earnings per share: Diluted | |||||||||
24,064 | 24,988 | 27,214 | 29,035 | 31,584 | 32,032 | 31,574 | 25,478 | 19 | 17 |
Net income (loss) | |||||||||
5,406 | 14,862 | 3,765 | 29,300 | 34,681 | - | - | - | - | -33,177 |