Note 3 - Segment Reporting (Tables)

6 Months Ended

Jun. 30, 2023

Notes Tables

Schedule of Segment Reporting Information, by Segment [Table Text Block]

Three Months Ended June 30, 2023	CaaS			Auto Finance			Total
Revenue:
Consumer loans, including past due fees	$	210,268		$	9,774		$	220,042
Fees and related income on earning assets		62,852			22			62,874
Other revenue		7,627			208			7,835
Other non-operating revenue		89			(2	)		87
Total revenue		280,836			10,002			290,838
Interest expense		(23,363	)		(852	)		(24,215	)
Provision for losses on loans, interest and fees receivable recorded at amortized cost		—			(309	)		(309	)
Changes in fair value of loans, interest and fees receivable recorded at fair value		(177,829	)		—			(177,829	)
Net margin	$	79,644		$	8,841		$	88,485
Income before income taxes	$	28,883		$	3,130		$	32,013
Income tax expense	$	(6,346	)	$	(853	)	$	(7,199	)

Six Months Ended June 30, 2023	CaaS			Auto Finance			Total
Revenue:
Consumer loans, including past due fees	$	410,797		$	18,946		$	429,743
Fees and related income on earning assets		107,191			40			107,231
Other revenue		14,342			417			14,759
Other non-operating revenue		103			43			146
Total revenue		532,433			19,446			551,879
Interest expense		(46,823	)		(1,626	)		(48,449	)
Provision for losses on loans, interest and fees receivable recorded at amortized cost		—			(1,013	)		(1,013	)
Changes in fair value of loans, interest and fees receivable recorded at fair value		(327,651	)		—			(327,651	)
Net margin	$	157,959		$	16,807		$	174,766
Income before income taxes	$	60,736		$	5,359		$	66,095
Income tax expense	$	(13,913	)	$	(1,474	)	$	(15,387	)
Total assets	$	2,355,177		$	99,525		$	2,454,702

Three Months Ended June 30, 2022	CaaS			Auto Finance			Total
Revenue:
Consumer loans, including past due fees	$	182,828		$	8,719		$	191,547
Fees and related income on earning assets		65,819			20			65,839
Other revenue		12,169			241			12,410
Other non-operating revenue		228			11			239
Total revenue		261,044			8,991			270,035
Interest expense		(18,552	)		(373	)		(18,925	)
Provision for losses on loans, interest and fees receivable recorded at amortized cost		—			(182	)		(182	)
Changes in fair value of loans, interest and fees receivable recorded at fair value		(146,559	)		—			(146,559	)
Net margin	$	95,933		$	8,436		$	104,369
Income before income taxes	$	39,979		$	2,561		$	42,540
Income tax expense	$	(8,100	)	$	(643	)	$	(8,743	)

Six Months Ended June 30, 2022	CaaS			Auto Finance			Total
Revenue:
Consumer loans, including past due fees	$	339,293		$	17,060		$	356,353
Fees and related income on earning assets		120,499			38			120,537
Other revenue		22,167			509			22,676
Other non-operating revenue		263			37			300
Total revenue		482,222			17,644			499,866
Interest expense		(35,715	)		(620	)		(36,335	)
Provision for losses on loans, interest and fees receivable recorded at amortized cost		—			(329	)		(329	)
Changes in fair value of loans, interest and fees receivable recorded at fair value		(251,239	)		—			(251,239	)
Net margin	$	195,268		$	16,695		$	211,963
Income before income taxes	$	83,577		$	(3,403	)	$	80,174
Income tax (expense) benefit	$	(2,582	)	$	960		$	(1,622	)
Total assets	$	2,025,867		$	90,587		$	2,116,454