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

3 Months Ended

Mar. 31, 2019

Notes Tables

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

For the three months ended March 31, 2019	Credit Cards			Auto Finance			Other Unsecured Lending Products			Total
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period	$	(35.4	)	$	(1.3	)	$	(42.5	)	$	(79.2	)
Provision for loan losses		(19.7	)		(0.9	)		(14.0	)		(34.6	)
Charge offs		12.3			0.9			17.1			30.3
Recoveries		(0.3	)		(0.3	)		(1.2	)		(1.8	)
Balance at end of period	$	(43.1	)	$	(1.6	)	$	(40.6	)	$	(85.3	)

As of March 31, 2019	Credit Cards			Auto Finance			Other Unsecured Lending Products			Total
Allowance for uncollectible loans, interest and fees receivable:
Balance at end of period individually evaluated for impairment	$	—		$	(0.3	)	$	—		$	(0.3	)
Balance at end of period collectively evaluated for impairment	$	(43.1	)	$	(1.3	)	$	(40.6	)	$	(85.0	)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross	$	211.4		$	90.2		$	260.9		$	562.5
Loans, interest and fees receivable individually evaluated for impairment	$	—		$	0.6		$	0.1		$	0.7
Loans, interest and fees receivable collectively evaluated for impairment	$	211.4		$	89.6		$	260.8		$	561.8

For the three months ended March 31, 2018	Credit Cards			Auto Finance			Other Unsecured Lending Products			Total
Allowance for uncollectible loans, interest and fees receivable:
Balance at beginning of period	$	(18.2	)	$	(2.3	)	$	(42.5	)	$	(63.0	)
Provision for loan losses		(9.0	)		—			(7.0	)		(16.0	)
Charge offs		6.5			0.7			15.1			22.3
Recoveries		(0.1	)		(0.3	)		(1.2	)		(1.6	)
Balance at end of period	$	(20.8	)	$	(1.9	)	$	(35.6	)	$	(58.3	)

As of December 31, 2018	Credit Cards			Auto Finance			Other Unsecured Lending Products			Total
Allowance for uncollectible loans, interest and fees receivable:
Balance at end of period individually evaluated for impairment	$	—		$	(0.2	)	$	(0.1	)	$	(0.3	)
Balance at end of period collectively evaluated for impairment	$	(35.4	)	$	(1.1	)	$	(42.4	)	$	(78.9	)
Loans, interest and fees receivable:
Loans, interest and fees receivable, gross	$	188.6		$	88.1		$	264.6		$	541.3
Loans, interest and fees receivable individually evaluated for impairment	$	—		$	0.4		$	0.1		$	0.5
Loans, interest and fees receivable collectively evaluated for impairment	$	188.6		$	87.7		$	264.5		$	540.8

Financing Receivable, Past Due [Table Text Block]

As of March 31, 2019	Credit Cards		Auto Finance		Other Unsecured Lending Products		Total
30-59 days past due	$	8.3	$	5.5	$	7.8	$	21.6
60-89 days past due		6.7		2.1		6.9		15.7
90 or more days past due		17.0		2.7		18.5		38.2
Delinquent loans, interest and fees receivable, gross		32.0		10.3		33.2		75.5
Current loans, interest and fees receivable, gross		179.4		79.9		227.7		487.0
Total loans, interest and fees receivable, gross	$	211.4	$	90.2	$	260.9	$	562.5
Balance of loans greater than 90-days delinquent still accruing interest and fees	$	—	$	2.0	$	—	$	2.0

As of December 31, 2018	Credit Cards		Auto Finance		Other Unsecured Lending Products		Total
30-59 days past due	$	7.1	$	7.9	$	9.7	$	24.7
60-89 days past due		5.3		2.8		7.6		15.7
90 or more days past due		12.3		2.2		18.5		33.0
Delinquent loans, interest and fees receivable, gross		24.7		12.9		35.8		73.4
Current loans, interest and fees receivable, gross		163.9		75.2		228.8		467.9
Total loans, interest and fees receivable, gross	$	188.6	$	88.1	$	264.6	$	541.3
Balance of loans greater than 90-days delinquent still accruing interest and fees	$	—	$	1.5	$	—	$	1.5

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	As of
	March 31, 2019				December 31, 2018
	Point-of-sale		Direct-to-consumer		Point-of-sale		Direct-to-consumer
Number of TDRs		8,604		6,515		8,722		3,003
Number of TDRs that have been re-aged		2,737		1,503		2,414		236
Amount of TDRs on non-accrual status (in thousands)	$	11,712	$	6,160	$	12,178	$	3,193
Amount of TDRs on non-accrual status above that have been re-aged (in thousands)	$	4,779	$	1,608	$	3,876	$	262
Carrying value of TDRs (in thousands)	$	8,015	$	4,033	$	7,535	$	1,524
TDRs - Performing (carrying value, in thousands)*	$	6,426	$	3,449	$	5,788	$	1,208
TDRs - Nonperforming (carrying value, in thousands)*	$	1,589	$	584	$	1,747	$	316

	Twelve Months Ended
	March 31, 2019				March 31, 2018
	Point-of-sale		Direct-to-consumer		Point-of-sale		Direct-to-consumer
Number of accounts		2,279		1,985		2,753		1,245
Loan balance at time of charge off (in thousands)	$	3,607	$	2,168	$	4,322	$	2,415

Components of Fees and Related Income on Earning Assets [Table Text Block]

	For the three months ended March 31,
	2019			2018
Fees on credit products	$	10,296		$	4,905
Changes in fair value of loans, interest and fees receivable recorded at fair value		(1	)		(18	)
Changes in fair value of notes payable associated with structured financings recorded at fair value		875			1,331
Other		94			(4	)
Total fees and related income on earning assets	$	11,264		$	6,214

Disaggregation of Revenue [Table Text Block]

	Credit and
Three months ended March 31, 2019	Other Investments		Auto Finance		Total
Interchange revenues, net (1)	$	928	$	—	$	928
Servicing income		419		267		686
Service charges and other customer related fees		429		17		446
Total revenue from contracts with customers	$	1,776	$	284	$	2,060

	Credit and
Three months ended March 31, 2018	Other Investments		Auto Finance		Total
Interchange revenues, net (1)	$	444	$	—	$	444
Servicing income		402		230		632
Service charges and other customer related fees		25		47		72
Total revenue from contracts with customers	$	871	$	277	$	1,148