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v3.23.3

Note 3 - Segment Reporting - Summary of Operating Segment Information (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended |
--- | --- | --- | ---
Sep. 30, 2023 | Sep. 30, 2022 | Sep. 30, 2023 | Sep. 30, 2022 | Dec. 31, 2022
Consumer loans, including past due fees | $ 224,682 | $ 218,016 | $ 654,425 | $ 574,369 |
Fees and related income on earning assets | 59,853 | 48,518 | 167,084 | 169,055 |
Other revenue | 10,378 | 11,340 | 25,137 | 34,016 |
Other non-operating revenue | (6) | 80 | 140 | 380 |
Total revenue | 294,907 | 277,954 | 846,786 | 777,820 |
Interest expense | (28,274) | (21,514) | (76,723) | (57,849) |
Provision for credit losses | (538) | (381) | (1,551) | (710) |
Changes in fair value of loans, interest and fees receivable recorded at fair value | (177,854) | (163,624) | (505,505) | (414,863) |
Net margin | 88,241 | 92,435 | 263,007 | 304,398 |
Income before income taxes | 31,758 | 39,316 | 97,853 | 119,490 |
Income tax expense | (6,785) | (6,946) | (22,172) | (8,568) |
Assets | 2,596,901 | 2,252,331 | 2,596,901 | 2,252,331 | $ 2,387,814
Income tax (expense) benefit | (6,785) | (6,946) | (22,172) | (8,568) |
Credit and Other Investments [Member] |  |  |  |  |
Consumer loans, including past due fees | 214,596 | 208,881 | 625,393 | 548,174 |
Fees and related income on earning assets | 59,831 | 48,493 | 167,022 | 168,992 |
Other revenue | 10,180 | 11,103 | 24,522 | 33,270 |
Other non-operating revenue | (69) | 58 | 34 | 321 |
Total revenue | 284,538 | 268,535 | 816,971 | 750,757 |
Interest expense | (27,394) | (20,898) | (74,217) | (56,613) |
Provision for credit losses | 0 | 0 | 0 | 0 |
Changes in fair value of loans, interest and fees receivable recorded at fair value | (177,854) | (163,624) | (505,505) | (414,863) |
Net margin | 79,290 | 84,013 | 237,249 | 279,281 |
Income before income taxes | 28,455 | 36,163 | 89,191 | 119,740 |
Income tax expense | (5,944) | (6,055) | (19,857) | (8,637) |
Assets | 2,493,946 | 2,158,183 | 2,493,946 | 2,158,183 |
Income tax (expense) benefit | (5,944) | (6,055) | (19,857) | (8,637) |
Auto Finance [Member] |  |  |  |  |
Consumer loans, including past due fees | 10,086 | 9,135 | 29,032 | 26,195 |
Fees and related income on earning assets | 22 | 25 | 62 | 63 |
Other revenue | 198 | 237 | 615 | 746 |
Other non-operating revenue | 63 | 22 | 106 | 59 |
Total revenue | 10,369 | 9,419 | 29,815 | 27,063 |
Interest expense | (880) | (616) | (2,506) | (1,236) |
Provision for credit losses | (538) | (381) | (1,551) | (710) |
Changes in fair value of loans, interest and fees receivable recorded at fair value | 0 | 0 | 0 | 0 |
Net margin | 8,951 | 8,422 | 25,758 | 25,117 |
Income before income taxes | 3,303 | 3,153 | 8,662 | (250) |
Income tax expense | (841) | (891) | (2,315) | 69 |
Assets | 102,955 | 94,148 | 102,955 | 94,148 |
Income tax (expense) benefit | $ (841) | $ (891) | $ (2,315) | $ 69 |

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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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