The following sets forth selected quarterly operating data:


	Fiscal 2026								Fiscal 2025
	First		Second		Third		Fourth		First		Second		Third		Fourth
	(Dollars in thousands, except for earnings per share data)
Total revenues	$	132,775	$	134,848	$	141,637	$	175,907	$	129,801	$	131,729	$	138,955	$	163,688
Provision for credit losses	50,516		49,841		51,423		36,822		45,419		46,669		44,103		33,024
General and administrative expenses	70,360		71,968		78,057		81,493		61,412		46,355		67,223		65,940
Interest expense	9,630		14,343		12,786		12,684		9,769		10,457		11,294		11,190
Income tax expense (benefit)	684		358		(4)		9,618		3,050		5,882		2,706		10,434
Net income (loss)	$	1,585	$	(1,662)	$	(625)	$	35,290	$	10,151	$	22,366	$	13,629	$	43,100

Net income (loss) per common share:
Basic	$	0.30	$	(0.33)	$	(0.13)	$	7.53	$	1.85	$	4.09	$	2.51	$	8.11
Diluted	$	0.30	$	(0.33)	$	(0.13)	$	7.44	$	1.82	$	4.03	$	2.49	$	7.91

The Company's highest loan demand generally occurs from October through December, its third fiscal quarter. Loan demand is generally lowest and loan repayment highest from January to March, its fourth fiscal quarter. Consequently, the Company experiences significant seasonal fluctuations in its operating results and cash needs. Operating results from the Company's third fiscal quarter are generally lower than in other quarters and operating results for its fourth fiscal quarter are generally higher than in other quarters.