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v3.23.3

Note 3 - Segment Reporting - Summary of Operating Segment Information (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2022 | Dec. 31, 2021 | Dec. 31, 2020
Consumer loans, including past due fees | $ 786,235 | $ 518,783 | $ 410,616
Fees and related income on earning assets | 217,071 | 194,466 | 133,960
Other revenue | 42,798 | 30,606 | 15,431
Other non-operating revenue | 809 | 4,201 | 3,403
Total revenue | 1,046,913 | 748,056 | 563,410
Interest expense | (81,851) | (54,127) | (51,548)
Provision for losses on loans, interest and fees receivable recorded at amortized cost | (1,252) | (36,455) | (142,719)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value | (577,069) | (218,733) | (108,548)
Net margin | 386,741 | 438,741 | 260,595
Income before income taxes | 149,272 | 219,573 | 114,391
Income tax expense | (14,660) | (41,784) | (20,474)
Assets, Total | 2,387,814 | 1,943,863 | 1,207,214
Credit and Other Investments [Member] |  |  |
Consumer loans, including past due fees | 751,052 | 485,241 | 378,817
Fees and related income on earning assets | 216,989 | 194,392 | 133,891
Other revenue | 41,843 | 29,322 | 14,372
Other non-operating revenue | 698 | 4,135 | 3,360
Total revenue | 1,010,582 | 713,090 | 530,440
Interest expense | (79,875) | (53,093) | (50,387)
Provision for losses on loans, interest and fees receivable recorded at amortized cost | 0 | (36,262) | (140,683)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value | (577,069) | (218,733) | (108,548)
Net margin | 353,638 | 405,002 | 230,822
Income before income taxes | 146,577 | 208,926 | 105,429
Income tax expense | (14,122) | (39,221) | (18,257)
Assets, Total | 2,295,092 | 1,859,950 | 1,124,618
Auto Finance [Member] |  |  |
Consumer loans, including past due fees | 35,183 | 33,542 | 31,799
Fees and related income on earning assets | 82 | 74 | 69
Other revenue | 955 | 1,284 | 1,059
Other non-operating revenue | 111 | 66 | 43
Total revenue | 36,331 | 34,966 | 32,970
Interest expense | (1,976) | (1,034) | (1,161)
Provision for losses on loans, interest and fees receivable recorded at amortized cost | (1,252) | (193) | (2,036)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value | 0 | 0 | 0
Net margin | 33,103 | 33,739 | 29,773
Income before income taxes | 2,695 | 10,647 | 8,962
Income tax expense | (538) | (2,563) | (2,217)
Assets, Total | $ 92,722 | $ 83,913 | $ 82,596

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- Definition Fees and related income on earning assets primarily include: (1) lending fees; (2) fees associated with our credit card receivables; (3) changes in the fair value of loans and fees receivable; (4) changes in fair value of notes payable associated with structured financings; (5) income on investments in previously charged-off receivables; (6) gross profits and losses from auto sales; (7) gains associated with investments in securities; and (8) gains realized associated with our settlement of litigation. + References No definition available. + Details
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