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Segment Reporting | 3 Months Ended
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Mar. 31, 2025
Segment Reporting [Abstract] |
Segment Reporting | Note 13. Segment Reporting The Company has one reportable segment: consumer finance. Consolidated net income is the measure used by the CODM in evaluating the segment profit or loss of the Company. The CODM either reviews or is otherwise regularly provided with amounts for the following measures in the Company’s financial results for the periods indicated:
|  | Three Months Ended March 31, |
Dollars in thousands |  | 2025 |  |  | 2024 |
Interest income |  | $ | 126,769 |  |  | $ | 119,896 |
Fee income |  |  | 9,784 |  |  |  | 8,922 |
Insurance income, net |  |  | 11,297 |  |  |  | 10,974 |
Other income |  |  | 5,117 |  |  |  | 4,516 |
Provision for credit losses |  |  | 57,992 |  |  |  | 46,423 |
Share-based compensation expense |  |  | 3,501 |  |  |  | 1,832 |
Depreciation and amortization expense |  |  | 2,300 |  |  |  | 2,246 |
Interest expense |  |  | 19,771 |  |  |  | 17,504 |
Income tax expense |  |  | 2,154 |  |  |  | 4,728 |
As part of the CODM’s review and evaluation process for allocating resources, the CODM is provided with only the consolidated expenses as noted on the face of the Company’s consolidated statements of comprehensive income. During the process for allocating resources for the Company, the CODM also receives asset information, primarily relating to total assets. Total assets remained constant at $1.9 billion as of both March 31, 2025 and December 31, 2024. The Company’s balance sheet expenditures for long-lived assets either reviewed by the CODM or otherwise regularly provided to the CODM are included in the Company’s Consolidated Statements of Cash Flows. These expenditures are represented as “Purchases of intangible assets,” “Purchases of property and equipment,” and “Operating leases paid” within the referenced statements.

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- Definition The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 48 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482785/280-10-55-48 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name Accounting Standards 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