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Note 3 - Segment Reporting (Tables)

12 Months Ended

Dec. 31, 2022

Notes Tables

Schedule of Segment Reporting Information, by Segment [Table Text Block]

Year Ended December 31, 2022		CaaS				Auto Finance				Total
Revenue:
Consumer loans, including past due fees		$	751,052			$	35,183			$	786,235
Fees and related income on earning assets			216,989				82				217,071
Other revenue			41,843				955				42,798
Other non-operating revenue			698				111				809
Total revenue			1,010,582				36,331				1,046,913
Interest expense			(79,875	)			(1,976	)			(81,851	)
Provision for losses on loans, interest and fees receivable recorded at amortized cost			—				(1,252	)			(1,252	)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value			(577,069	)			—				(577,069	)
Net margin		$	353,638			$	33,103			$	386,741
Income before income taxes		$	146,577			$	2,695			$	149,272
Income tax expense		$	(14,122	)		$	(538	)		$	(14,660	)
Total assets		$	2,295,092			$	92,722			$	2,387,814

Year Ended December 31, 2021		CaaS				Auto Finance				Total
Revenue:
Consumer loans, including past due fees		$	485,241			$	33,542			$	518,783
Fees and related income on earning assets			194,392				74				194,466
Other revenue			29,322				1,284				30,606
Other non-operating revenue			4,135				66				4,201
Total revenue			713,090				34,966				748,056
Interest expense			(53,093	)			(1,034	)			(54,127	)
Provision for losses on loans, interest and fees receivable recorded at amortized cost			(36,262	)			(193	)			(36,455	)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value			(218,733	)			—				(218,733	)
Net margin		$	405,002			$	33,739			$	438,741
Income before income taxes		$	208,926			$	10,647			$	219,573
Income tax expense		$	(39,221	)		$	(2,563	)		$	(41,784	)
Total assets		$	1,859,950			$	83,913			$	1,943,863

Year Ended December 31, 2020		CaaS				Auto Finance				Total
Revenue:
Consumer loans, including past due fees		$	378,817			$	31,799			$	410,616
Fees and related income on earning assets			133,891				69				133,960
Other revenue			14,372				1,059				15,431
Other non-operating revenue			3,360				43				3,403
Total revenue			530,440				32,970				563,410
Interest expense			(50,387	)			(1,161	)			(51,548	)
Provision for losses on loans, interest and fees receivable recorded at amortized cost			(140,683	)			(2,036	)			(142,719	)
Changes in fair value of loans, interest and fees receivable and notes payable associated with structured financings recorded at fair value			(108,548	)			—				(108,548	)
Net margin		$	230,822			$	29,773			$	260,595
Income before income taxes		$	105,429			$	8,962			$	114,391
Income tax expense		$	(18,257	)		$	(2,217	)		$	(20,474	)
Total assets		$	1,124,618			$	82,596			$	1,207,214

X

- Definition

Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.

+ References

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-Name Accounting Standards Codification
-Topic 350
-SubTopic 20
-Section 50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482573/350-20-50-1

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-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 25
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-25

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-Topic 280
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-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 30
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-30

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