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Note 3 - Segment Reporting - Summary of Operating Segment Information (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended |
--- | --- | --- | ---
Jun. 30, 2024 | Jun. 30, 2023 | Jun. 30, 2024 | Jun. 30, 2023 | Dec. 31, 2023
Consumer loans, including past due fees | $ 242,349 | $ 220,042 | $ 472,723 | $ 429,743 |
Fees and related income on earning assets | 59,506 | 62,874 | 107,411 | 107,231 |
Other revenue | 13,786 | 7,835 | 25,681 | 14,759 |
Total operating revenue | 315,641 | 290,751 | 605,815 | 551,733 |
Other non-operating revenue | 382 | 87 | 914 | 146 |
Total revenue | 316,023 | 290,838 | 606,729 | 551,879 |
Interest expense | (37,948) | (24,215) | (73,011) | (48,449) |
Provision for credit losses | (1,746) | (309) | (4,690) | (1,013) |
Changes in fair value of loans | (186,251) | (177,829) | (345,422) | (327,651) |
Net margin | 90,078 | 88,485 | 183,606 | 174,766 |
Income before income taxes | 28,603 | 32,013 | 61,424 | 66,095 |
Income tax expense | (4,476) | (7,199) | (11,478) | (15,387) |
Assets | 2,837,261 | 2,454,702 | 2,837,261 | 2,454,702 | $ 2,706,445
Credit and Other Investments [Member] |  |  |  |  |
Consumer loans, including past due fees | 232,014 | 210,268 | 452,053 | 410,797 |
Fees and related income on earning assets | 59,484 | 62,852 | 107,369 | 107,191 |
Other revenue | 13,582 | 7,627 | 25,259 | 14,342 |
Total operating revenue | 305,080 | 280,747 | 584,681 | 532,330 |
Other non-operating revenue | 79 | 89 | 361 | 103 |
Total revenue | 305,159 | 280,836 | 585,042 | 532,433 |
Interest expense | (37,126) | (23,363) | (71,362) | (46,823) |
Provision for credit losses | 0 | 0 | 0 | 0 |
Changes in fair value of loans | (186,251) | (177,829) | (345,422) | (327,651) |
Net margin | 81,782 | 79,644 | 168,258 | 157,959 |
Income before income taxes | 26,180 | 28,883 | 57,994 | 60,736 |
Income tax expense | (3,836) | (6,346) | (10,577) | (13,913) |
Assets | 2,733,909 | 2,355,177 | 2,733,909 | 2,355,177 |
Auto Finance [Member] |  |  |  |  |
Consumer loans, including past due fees | 10,335 | 9,774 | 20,670 | 18,946 |
Fees and related income on earning assets | 22 | 22 | 42 | 40 |
Other revenue | 204 | 208 | 422 | 417 |
Total operating revenue | 10,561 | 10,004 | 21,134 | 19,403 |
Other non-operating revenue | 303 | (2) | 553 | 43 |
Total revenue | 10,864 | 10,002 | 21,687 | 19,446 |
Interest expense | (822) | (852) | (1,649) | (1,626) |
Provision for credit losses | (1,746) | (309) | (4,690) | (1,013) |
Changes in fair value of loans | 0 | 0 | 0 | 0 |
Net margin | 8,296 | 8,841 | 15,348 | 16,807 |
Income before income taxes | 2,423 | 3,130 | 3,430 | 5,359 |
Income tax expense | (640) | (853) | (901) | (1,474) |
Assets | $ 103,352 | $ 99,525 | $ 103,352 | $ 99,525 |

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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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