Segment Reporting

9 Months Ended

Sep. 30, 2020

Segment Reporting [Abstract]

Segment Reporting

Segment Reporting

Our chief operating decision maker evaluates the operating results and performance of our business based on our North America and International Segments. The management of each segment is responsible for executing our strategies. Key operating data for our operating segments were as follows:

	Three Months Ended September 30, 2020						Three Months Ended September 30, 2019
	North America		International		Total		North America		International		Total
Total revenue	$	3,196	$	225	$	3,421	$	3,355	$	304	$	3,659
Operating expenses	312		82		394		291		93		384
Leased vehicle expenses	1,114		12		1,126		1,557		17		1,574
Provision for loan losses	(26)		57		31		113		37		150
Interest expense	643		66		709		759		120		879
Equity income	—		46		46		—		39		39
Income before income taxes	$	1,153	$	54	$	1,207	$	635	$	76	$	711

	Nine Months Ended September 30, 2020						Nine Months Ended September 30, 2019
	North America		International		Total		North America		International		Total
Total revenue	$	9,670	$	735	$	10,405	$	9,993	$	925	$	10,918
Operating expenses	879		218		1,097		848		283		1,131
Leased vehicle expenses	4,566		36		4,602		4,987		38		5,025
Provision for loan losses	609		215		824		394		110		504
Interest expense	2,091		241		2,332		2,413		365		2,778
Equity income	—		113		113		—		126		126
Income before income taxes	$	1,525	$	138	$	1,663	$	1,351	$	255	$	1,606

	September 30, 2020						December 31, 2019
	North America		International		Total		North America		International		Total
Finance receivables, net	$	50,623	$	4,530	$	55,153	$	46,679	$	6,794	$	53,473
Leased vehicles, net	$	39,213	$	145	$	39,358	$	41,881	$	174	$	42,055
Total assets	$	101,762	$	7,449	$	109,211	$	99,453	$	9,764	$	109,217