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Segment Reporting
 6 Months Ended
Jun. 30, 2016
Segment Reporting [Abstract]  
Segment Reporting
Segment Reporting
 
We operate primarily within one industry consisting of two reportable segments by which we manage our business. Our two reportable segments are:  Credit and Other Investments, and Auto Finance.

As of both June 30, 2016 and December 31, 2015, we did not have a material amount of long-lived assets located outside of the U.S., and only a negligible portion of our revenues for the six months ended June 30, 2016 and 2015 were generated outside of the U.S.

We measure the profitability of our reportable segments based on their income after allocation of specific costs and corporate overhead; however, our segment results do not reflect any charges for internal capital allocations among our segments. Overhead costs are allocated based on headcounts and other applicable measures to better align costs with the associated revenues.

Summary operating segment information (in thousands) is as follows:
Three months ended June 30, 2016
 
 Credit and Other Investments
 
Auto Finance
 
Total
Interest income:
 
 
 
 
 
 
Consumer loans, including past due fees
 
$
14,132

 
$
7,330

 
$
21,462

Other
 
60

 
—

 
60

Total interest income
 
14,192

 
7,330

 
21,522

Interest expense
 
(4,454
)
 
(338
)
 
(4,792
)
Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable
 
$
9,738

 
$
6,992

 
$
16,730

Fees and related income on earning assets
 
$
5,840

 
$
38

 
$
5,878

Servicing income
 
$
732

 
$
249

 
$
981

Gain on repurchase of convertible senior notes
 
$
1,037

 
$
—

 
$
1,037

Depreciation of rental merchandise
 
$
(1,335
)
 
$
—

 
$
(1,335
)
Equity in income of equity-method investee
 
$
325

 
$
—

 
$
325

(Loss) income before income taxes
 
$
(664
)
 
$
1,594

 
$
930

Income tax expense
 
$
(113
)
 
$
(544
)
 
$
(657
)
 
 
 
 
 
 
 
Six months ended June 30, 2016
 
Credit and Other Investments
 
Auto Finance
 
Total
Interest income:
 
 
 
 
 
 
Consumer loans, including past due fees
 
$
25,317

 
$
14,293

 
$
39,610

Other
 
152

 
—

 
152

Total interest income
 
25,469

 
14,293

 
39,762

Interest expense
 
(8,791
)
 
(645
)
 
(9,436
)
Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable
 
$
16,678

 
$
13,648

 
$
30,326

Fees and related income on earning assets
 
$
13,669

 
$
96

 
$
13,765

Servicing income
 
$
1,924

 
$
504

 
$
2,428

Gain on repurchase of convertible senior notes
 
$
1,037

 
$
—

 
$
1,037

Depreciation of rental merchandise
 
$
(4,714
)
 
$
—

 
$
(4,714
)
Equity in income of equity-method investee
 
$
1,327

 
$
—

 
$
1,327

Income before income taxes
 
$
2,662

 
$
3,018

 
$
5,680

Income tax benefit (expense)
 
$
204

 
$
(1,059
)
 
$
(855
)
Total assets
 
$
228,729

 
$
71,579

 
$
300,308



Three months ended June 30, 2015
 
Credit and Other Investments
 
Auto Finance
 
Total
Interest income:
 
 
 
 
 
 
Consumer loans, including past due fees
 
$
9,898

 
$
6,971

 
$
16,869

Other
 
10

 
—

 
10

Total interest income
 
9,908

 
6,971

 
16,879

Interest expense
 
(4,228
)
 
(301
)
 
(4,529
)
Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable
 
$
5,680

 
$
6,670

 
$
12,350

Fees and related income on earning assets
 
$
12,683

 
$
68

 
$
12,751

Servicing income
 
$
1,179

 
$
211

 
$
1,390

Depreciation of rental merchandise
 
$
(9,370
)
 
$
—

 
$
(9,370
)
Equity in income of equity-method investee
 
$
707

 
$
—

 
$
707

Income before income taxes
 
$
1,186

 
$
1,650

 
$
2,836

Income tax expense
 
$
(896
)
 
$
(544
)
 
$
(1,440
)
 
 
 
 
 
 
 
Six months ended June 30, 2015
 
Credit and Other Investments
 
Auto Finance
 
Total
Interest income:
 
 
 
 
 
 
Consumer loans, including past due fees
 
$
20,618

 
$
13,694

 
$
34,312

Other
 
42

 
—

 
42

Total interest income
 
20,660

 
13,694

 
34,354

Interest expense
 
(8,479
)
 
(607
)
 
(9,086
)
Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable
 
$
12,181

 
$
13,087

 
$
25,268

Fees and related income on earning assets
 
$
25,756

 
$
214

 
$
25,970

Servicing income
 
$
2,538

 
$
412

 
$
2,950

Depreciation of rental merchandise
 
$
(21,623
)
 
$
—

 
$
(21,623
)
Equity in income of equity-method investee
 
$
1,782

 
$
—

 
$
1,782

Income before income taxes
 
$
607

 
$
3,577

 
$
4,184

Income tax benefit (expense)
 
$
352

 
$
(1,174
)
 
$
(822
)
Total assets
 
$
202,510

 
$
69,422

 
$
271,932