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 December 31, 2017 and December 31, 2016, 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 year ended December 31, 2017 and 2016 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:



Year ended December 31, 2017	Credit and Other Investments			Auto Finance			Total
Interest income:
Consumer loans, including past due fees	$	86,395		$	28,093		$	114,488
Other	219			—			219
Total interest income	86,614			28,093			114,707
Interest expense	(26,702		)	(998		)	(27,700		)
Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable	$	59,912		$	27,095		$	87,007
Fees and related income on earning assets	$	14,170		$	119		$	14,289
Servicing income	$	3,010		$	844		$	3,854
Depreciation of rental merchandise	$	(27	)	$	—		$	(27	)
Equity in income of equity-method investee	$	1,158		$	—		$	1,158
(Loss) income before income taxes	$	(54,387	)	$	7,137		$	(47,250	)
Income tax benefit (expense)	$	9,417		$	(3,039	)	$	6,378
Total assets	$	359,563		$	66,050		$	425,613



Year ended December 31, 2016	Credit and Other Investments			Auto Finance			Total
Interest income:
Consumer loans, including past due fees	$	59,614		$	28,775		$	88,389
Other	233			—			233
Total interest income	59,847			28,775			88,622
Interest expense	(19,011		)	(1,196		)	(20,207		)
Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable	$	40,836		$	27,579		$	68,415
Fees and related income on earning assets	$	17,214		$	102		$	17,316
Servicing income	$	3,115		$	972		$	4,087
Gain on repurchase of convertible senior notes	$	1,151		$	—		$	1,151
Depreciation of rental merchandise	$	(5,273	)	$	—		$	(5,273	)
Equity in income of equity-method investee	$	2,150		$	—		$	2,150
(Loss) income before income taxes	$	(18,915	)	$	6,559		$	(12,356	)
Income tax benefit (expense)	$	8,390		$	(2,375	)	$	6,015
Total assets	$	293,576		$	68,971		$	362,547