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Segment Reporting
6 Months Ended
Jun. 30, 2014
Segment Reporting [Abstract]  
Segment Reporting
Segment Reporting
 
We operate primarily within one industry consisting of two reportable segments by which we manage our business. Our two reportable segments are:  Credit and Other Investments, and Auto Finance. We renamed our Credit Cards and Other Investments segment as the Credit and Other Investments segment to encompass ancillary investments and product offerings that are largely start-up in nature and do not qualify for separate segment reporting.  All prior period data have been reclassified to this new current period presentation.

As of both June 30, 2014 and December 31, 2013, we did not have a material amount of long-lived assets located outside of the U.S., and only a negligible portion of our 2014 and 2013 revenues were generated outside of the U.S.
Summary operating segment information (in thousands) is as follows:
Three months ended June 30, 2014
 
Credit and Other Investments
 
Auto Finance
 
Total
Interest income:
 
 
 
 
 
 
Consumer loans, including past due fees
 
$
11,492

 
$
5,895

 
$
17,387

Other
 
37

 

 
37

Total interest income
 
11,529

 
5,895

 
17,424

Interest expense
 
(5,812
)
 
(346
)
 
(6,158
)
Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable
 
$
5,717

 
$
5,549

 
$
11,266

Fees and related income on earning assets
 
$
22,155

 
$
41

 
$
22,196

Servicing income
 
$
1,075

 
$
159

 
$
1,234

Depreciation of rental merchandise
 
(15,735
)
 

 
(15,735
)
Equity in income of equity-method investees
 
$
841

 
$

 
$
841

(Loss) income before income taxes
 
$
(11,661
)
 
$
1,156

 
$
(10,505
)
Income tax expense
 
$
(316
)
 
$
(357
)
 
$
(673
)
Six months ended June 30, 2014
 
Credit and Other Investments
 
Auto Finance
 
Total
Interest income:
 
 
 
 
 
 
Consumer loans, including past due fees
 
$
25,888

 
$
11,456

 
$
37,344

Other
 
274

 

 
274

Total interest income
 
26,162

 
11,456

 
37,618

Interest expense
 
(11,644
)
 
(701
)
 
(12,345
)
Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable
 
$
14,518

 
$
10,755

 
$
25,273

Fees and related income on earning assets
 
$
54,957

 
$
124

 
$
55,081

Servicing income
 
$
2,130

 
$
344

 
$
2,474

Depreciation of rental merchandise
 
(40,746
)
 

 
(40,746
)
Equity in income of equity-method investees
 
$
3,247

 
$

 
$
3,247

(Loss) income before income taxes
 
$
(21,724
)
 
$
2,178

 
$
(19,546
)
Income tax expense
 
$
(1,971
)
 
$
(684
)
 
$
(2,655
)
Total assets
 
$
237,163

 
$
62,089

 
$
299,252

Three months ended June 30, 2013
 
Credit and Other Investments
 
Auto Finance
 
Total
Interest income:
 
 
 
 
 
 
Consumer loans, including past due fees
 
$
10,866

 
$
5,815

 
$
16,681

Other
 
37

 
47

 
84

Total interest income
 
10,903

 
5,862

 
16,765

Interest expense
 
(5,603
)
 
(263
)
 
(5,866
)
Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable
 
$
5,300

 
$
5,599

 
$
10,899

Fees and related income on earning assets
 
$
12,581

 
$
(2,362
)
 
$
10,219

Servicing income
 
$
2,404

 
$
200

 
$
2,604

Depreciation of rental merchandise
 

 

 

Equity in income of equity-method investees
 
$
957

 
$

 
$
957

(Loss) income before income taxes
 
$
(8,794
)
 
$
(534
)
 
$
(9,328
)
Income tax expense
 
$
(101
)
 
$
(361
)
 
$
(462
)


Six months ended June 30, 2013
 
Credit and Other Investments
 
Auto Finance
 
Total
Interest income:
 
 
 
 
 
 
Consumer loans, including past due fees
 
$
24,910

 
$
11,595

 
$
36,505

Other
 
78

 
117

 
195

Total interest income
 
24,988

 
11,712

 
36,700

Interest expense
 
(10,942
)
 
(696
)
 
(11,638
)
Net interest income before fees and related income on earning assets and provision for losses on loans and fees receivable
 
$
14,046

 
$
11,016

 
$
25,062

Fees and related income on earning assets
 
$
19,321

 
$
(2,296
)
 
$
17,025

Servicing income
 
$
4,804

 
$
401

 
$
5,205

Depreciation of rental merchandise
 

 

 

Equity in income of equity-method investees
 
$
5,264

 
$

 
$
5,264

(Loss) income before income taxes
 
$
(12,765
)
 
$
896

 
$
(11,869
)
Income tax expense
 
$
(179
)
 
$
(729
)
 
$
(908
)
Total assets
 
$
292,342

 
$
59,088

 
$
351,430