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Note 2 - Significant Accounting Policies and Consolidated Financial Statement Components (Tables)

3 Months Ended

Mar. 31, 2023

Notes Tables

Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]

For the Three Months Ended March 31, 2023		*Auto Finance*
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period		$	(1.6	)
Provision for credit losses			(0.7	)
Charge-offs			1.0
Recoveries			(0.4	)
Balance at end of period		$	(1.7	)

As of March 31, 2023		*Auto Finance*
Allowance for uncollectible loans, interest and fees receivable:
Balance at end of period individually evaluated for impairment		$	—
Balance at end of period collectively evaluated for impairment		$	(1.7	)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross		$	113.4
Loans, interest and fees receivable individually evaluated for impairment		$	—
Loans, interest and fees receivable collectively evaluated for impairment		$	113.4

For the Three Months Ended March 31, 2022		*Credit Cards*				*Auto Finance*				*Other Unsecured Lending Products*				*Total*
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period		$	(43.4	)		$	(1.4	)		$	(12.4	)		$	(57.2	)
Cumulative effects from adoption of fair value under the CECL standard			43.4				—				12.4				55.8
Cumulative effects from adoption of the CECL standard			—				(0.2	)			—				(0.2	)
Provision for credit losses			—				(0.1	)			—				(0.1	)
Charge-offs			—				0.4				—				0.4
Recoveries			—				(0.3	)			—				(0.3	)
Balance at end of period		$	—			$	(1.6	)		$	—			$	(1.6	)

As of December 31, 2022		Auto Finance
Allowance for uncollectible loans, interest and fees receivable:
Balance at end of period individually evaluated for impairment		$	—
Balance at end of period collectively evaluated for impairment		$	(1.6	)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross		$	105.3
Loans, interest and fees receivable individually evaluated for impairment		$	—
Loans, interest and fees receivable collectively evaluated for impairment		$	105.3

Financing Receivable, Past Due [Table Text Block]

As of March 31, 2023		Auto Finance
30-59 days past due		$	6.1
60-89 days past due			2.0
90 or more days past due			1.9
Delinquent loans, interest and fees receivable, gross			10.0
Current loans, interest and fees receivable, gross			103.4
Total loans, interest and fees receivable, gross		$	113.4
Balance of loans greater than 90-days delinquent still accruing interest and fees		$	1.5

As of December 31, 2022		Auto Finance
30-59 days past due		$	8.5
60-89 days past due			3.0
90 or more days past due			2.1
Delinquent loans, interest and fees receivable, gross			13.6
Current loans, interest and fees receivable, gross			91.7
Total loans, interest and fees receivable, gross		$	105.3
Balance of loans greater than 90-days delinquent still accruing interest and fees		$	1.7

Financing Receivable, Modified [Table Text Block]

		As of
		December 31, 2022
		Private label credit				General purpose credit card
Number of TDRs			24,594				171,729
Number of TDRs that have been re-aged			2,499				28,598
Amount of TDRs on non-accrual status (in thousands)		$	31,350			$	119,785
Amount of TDRs on non-accrual status above that have been re-aged (in thousands)		$	4,606			$	24,440
Carrying value of TDRs (in thousands)		$	18,827			$	70,519
TDRs - Performing (carrying value, in thousands)*		$	15,001			$	59,735
TDRs - Nonperforming (carrying value, in thousands)*		$	3,826			$	10,784

		Twelve Months Ended
		March 31, 2022
		Private label credit				General purpose credit card
Number of accounts			3,853				10,487
Loan balance at time of charge off (in thousands)		$	5,897			$	8,721

Disaggregation of Revenue [Table Text Block]


For the Three Months Ended March 31, 2023		*CaaS*				*Auto Finance*				*Total*
Interchange revenues, net (1)		$	4,616			$	—			$	4,616
Servicing income			705				191				896
Service charges and other customer related fees			1,393				19				1,412
Total revenue from contracts with customers		$	6,714			$	210			$	6,924


For the Three Months Ended March 31, 2022		*CaaS*				*Auto Finance*				*Total*
Interchange revenues, net (1)		$	5,698			$	—			$	5,698
Servicing income			830				252				1,082
Service charges and other customer related fees			3,470				16				3,486
Total revenue from contracts with customers		$	9,998			$	268			$	10,266