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Allowance for Loan Losses | 6 Months Ended
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Jun. 30, 2017
Receivables [Abstract] |
Allowance for Loan Losses | Allowance for Loan Losses Our provision for loan losses represents the periodic expense of maintaining an allowance sufficient to absorb incurred probable losses in the held-for-investment loan portfolios. The evaluation of the allowance for loan losses is inherently subjective, as it requires material estimates that may be susceptible to significant changes. We believe the allowance for loan losses is appropriate to cover probable losses incurred in the loan portfolios. We began acquiring Personal Loans in the fourth quarter of 2016. Allowance for Loan Losses Metrics
|  | Allowance for Loan Losses
|  | Three Months Ended June 30, 2017
|  | FFELP Loans |  | Private Education Loans |  | Personal Loans |  | Total
Allowance for Loan Losses |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,637 |  |  | $ | 185,103 |  |  | $ | 346 |  |  | $ | 187,086 |
Total provision |  | 228 |  |  | 49,166 |  |  | 492 |  |  | 49,886 |
Net charge-offs: |  |  |  |  |  |  |  |  |  |  |  |
Charge-offs |  | (259 | ) |  | (32,728 | ) |  | (20 | ) |  | (33,007 | )
Recoveries |  | — |  |  | 4,396 |  |  | — |  |  | 4,396 |
Net charge-offs |  | (259 | ) |  | (28,332 | ) |  | (20 | ) |  | (28,611 | )
Loan sales(1) |  | — |  |  | (913 | ) |  | — |  |  | (913 | )
Ending Balance |  | $ | 1,606 |  |  | $ | 205,024 |  |  | $ | 818 |  |  | $ | 207,448 |
Allowance: |  |  |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | 95,177 |  |  | $ | — |  |  | $ | 95,177 |
Ending balance: collectively evaluated for impairment |  | $ | 1,606 |  |  | $ | 109,847 |  |  | $ | 818 |  |  | $ | 112,271 |
Loans: |  |  |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | 803,456 |  |  | $ | — |  |  | $ | 803,456 |
Ending balance: collectively evaluated for impairment |  | $ | 967,237 |  |  | $ | 14,876,001 |  |  | $ | 69,508 |  |  | $ | 15,912,746 |
Net charge-offs as a percentage of average loans in repayment (annualized)(2) |  | 0.14 | % |  | 1.08 | % |  | 0.13 | % |  |
Allowance as a percentage of the ending total loan balance |  | 0.17 | % |  | 1.31 | % |  | 1.18 | % |  |
Allowance as a percentage of the ending loans in repayment(2) |  | 0.21 | % |  | 1.93 | % |  | 1.18 | % |  |
Allowance coverage of net charge-offs (annualized) |  | 1.55 |  |  | 1.81 |  |  | 10.23 |  |  |
Ending total loans, gross |  | $ | 967,237 |  |  | $ | 15,679,457 |  |  | $ | 69,508 |  |  |
Average loans in repayment(2) |  | $ | 757,186 |  |  | $ | 10,523,225 |  |  | $ | 61,439 |  |  |
Ending loans in repayment(2) |  | $ | 765,980 |  |  | $ | 10,615,105 |  |  | $ | 69,508 |  |  |
____________ (1) Represents fair value adjustments on loans sold. (2) Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period.
|  | Allowance for Loan Losses
|  | Three Months Ended June 30, 2016
|  | FFELP Loans |  | Private Education Loans |  | Total
Allowance for Loan Losses |  |  |  |  |  |
Beginning balance |  | $ | 3,629 |  |  | $ | 122,620 |  |  | $ | 126,249 |
Total provision |  | (985 | ) |  | 42,362 |  |  | 41,377 |
Net charge-offs: |  |  |  |  |  |
Charge-offs |  | (347 | ) |  | (23,903 | ) |  | (24,250 | )
Recoveries |  | — |  |  | 3,082 |  |  | 3,082 |
Net charge-offs |  | (347 | ) |  | (20,821 | ) |  | (21,168 | )
Loan sales(1) |  | — |  |  | (1,533 | ) |  | (1,533 | )
Ending Balance |  | $ | 2,297 |  |  | $ | 142,628 |  |  | $ | 144,925 |
Allowance: |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | 63,370 |  |  | $ | 63,370 |
Ending balance: collectively evaluated for impairment |  | $ | 2,297 |  |  | $ | 79,258 |  |  | $ | 81,555 |
Loans: |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | 400,969 |  |  | $ | 400,969 |
Ending balance: collectively evaluated for impairment |  | $ | 1,061,517 |  |  | $ | 11,889,740 |  |  | $ | 12,951,257 |
Net charge-offs as a percentage of average loans in repayment (annualized)(2) |  | 0.18 | % |  | 1.05 | % |  |
Allowance as a percentage of the ending total loan balance |  | 0.22 | % |  | 1.16 | % |  |
Allowance as a percentage of the ending loans in repayment(2) |  | 0.30 | % |  | 1.78 | % |  |
Allowance coverage of net charge-offs (annualized) |  | 1.65 |  |  | 1.71 |  |  |
Ending total loans, gross |  | $ | 1,061,517 |  |  | $ | 12,290,709 |  |  |
Average loans in repayment(2) |  | $ | 786,818 |  |  | $ | 7,894,340 |  |  |
Ending loans in repayment(2) |  | $ | 773,321 |  |  | $ | 8,029,034 |  |  |
____________ (1) Represents fair value adjustments on loans sold. (2) Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period.
|  | Allowance for Loan Losses
|  | Six Months Ended June 30, 2017
|  | FFELP Loans |  | Private Education Loans |  | Personal Loans |  | Total
Allowance for Loan Losses |  |  |  |  |  |  |  |
Beginning balance |  | $ | 2,171 |  |  | $ | 182,472 |  |  | $ | 58 |  |  | $ | 184,701 |
Total provision |  | (88 | ) |  | 75,986 |  |  | 780 |  |  | 76,678 |
Net charge-offs: |  |  |  |  |  |  |  |
Charge-offs |  | (477 | ) |  | (58,955 | ) |  | (20 | ) |  | (59,452 | )
Recoveries |  | — |  |  | 7,655 |  |  | — |  |  | 7,655 |
Net charge-offs |  | (477 | ) |  | (51,300 | ) |  | (20 | ) |  | (51,797 | )
Loan sales(1) |  | — |  |  | (2,134 | ) |  | — |  |  | (2,134 | )
Ending Balance |  | $ | 1,606 |  |  | $ | 205,024 |  |  | $ | 818 |  |  | $ | 207,448 |
Allowance: |  |  |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | 95,177 |  |  | $ | — |  |  | $ | 95,177 |
Ending balance: collectively evaluated for impairment |  | $ | 1,606 |  |  | $ | 109,847 |  |  | $ | 818 |  |  | $ | 112,271 |
Loans: |  |  |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | 803,456 |  |  | $ | — |  |  | $ | 803,456 |
Ending balance: collectively evaluated for impairment |  | $ | 967,237 |  |  | $ | 14,876,001 |  |  | $ | 69,508 |  |  | $ | 15,912,746 |
Net charge-offs as a percentage of average loans in repayment (annualized)(2) |  | 0.12 | % |  | 0.99 | % |  | 0.08 | % |  |
Allowance as a percentage of the ending total loan balance |  | 0.17 | % |  | 1.31 | % |  | 1.18 | % |  |
Allowance as a percentage of the ending loans in repayment(2) |  | 0.21 | % |  | 1.93 | % |  | 1.18 | % |  |
Allowance coverage of net charge-offs (annualized) |  | 1.68 |  |  | 2.00 |  |  | 20.45 |  |  |
Ending total loans, gross |  | $ | 967,237 |  |  | $ | 15,679,457 |  |  | $ | 69,508 |  |  |
Average loans in repayment(2) |  | $ | 765,347 |  |  | $ | 10,375,463 |  |  | $ | 47,654 |  |  |
Ending loans in repayment(2) |  | $ | 765,980 |  |  | $ | 10,615,105 |  |  | $ | 69,508 |  |  |
____________ (1) Represents fair value adjustments on loans sold. (2) Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period.
|  | Allowance for Loan Losses
|  | Six Months Ended June 30, 2016
|  | FFELP Loans |  | Private Education Loans |  | Total
Allowance for Loan Losses |  |  |  |  |  |
Beginning balance |  | $ | 3,691 |  |  | $ | 108,816 |  |  | $ | 112,507 |
Total provision |  | (664 | ) |  | 76,201 |  |  | 75,537 |
Net charge-offs: |  |  |  |  |  |
Charge-offs |  | (730 | ) |  | (42,907 | ) |  | (43,637 | )
Recoveries |  | — |  |  | 4,125 |  |  | 4,125 |
Net charge-offs |  | (730 | ) |  | (38,782 | ) |  | (39,512 | )
Loan sales(1) |  | — |  |  | (3,607 | ) |  | (3,607 | )
Ending Balance |  | $ | 2,297 |  |  | $ | 142,628 |  |  | $ | 144,925 |
Allowance: |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | 63,370 |  |  | $ | 63,370 |
Ending balance: collectively evaluated for impairment |  | $ | 2,297 |  |  | $ | 79,258 |  |  | $ | 81,555 |
Loans: |  |  |  |  |  |
Ending balance: individually evaluated for impairment |  | $ | — |  |  | $ | 400,969 |  |  | $ | 400,969 |
Ending balance: collectively evaluated for impairment |  | $ | 1,061,517 |  |  | $ | 11,889,740 |  |  | $ | 12,951,257 |
Net charge-offs as a percentage of average loans in repayment (annualized)(2) |  | 0.18 | % |  | 1.01 | % |  |
Allowance as a percentage of the ending total loan balance |  | 0.22 | % |  | 1.16 | % |  |
Allowance as a percentage of the ending loans in repayment(2) |  | 0.30 | % |  | 1.78 | % |  |
Allowance coverage of net charge-offs (annualized) |  | 1.57 |  |  | 1.84 |  |  |
Ending total loans, gross |  | $ | 1,061,517 |  |  | $ | 12,290,709 |  |  |
Average loans in repayment(2) |  | $ | 794,665 |  |  | $ | 7,695,889 |  |  |
Ending loans in repayment(2) |  | $ | 773,321 |  |  | $ | 8,029,034 |  |  |
____________ (1) Represents fair value adjustments on loans sold. (2) Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period. Troubled Debt Restructurings All of our loans are collectively assessed for impairment, except for loans classified as TDRs (where we conduct individual assessments of impairment). We modify the terms of loans for certain borrowers when we believe such modifications may increase the ability and willingness of a borrower to make payments and thus increase the ultimate overall amount collected on a loan. These modifications generally take the form of a forbearance, a temporary interest rate reduction or an extended repayment plan. The majority of our loans that are considered TDRs involve a temporary forbearance of payments and do not change the contractual interest rate of the loan. Approximately 27 percent and 26 percent of the loans granted forbearance as of June 30, 2017 and December 31, 2016, respectively, have been classified as TDRs due to their forbearance status. For additional information, see Note 6, “Allowance for Loan Losses” in our 2016 Form 10-K. Within the Private Education Loan portfolio, loans greater than 90 days past due are considered to be nonperforming. FFELP Loans are at least 97 percent guaranteed as to their principal and accrued interest by the federal government in the event of default and, therefore, we do not deem FFELP Loans as nonperforming from a credit risk perspective at any point in their life cycle prior to claim payment, and continue to accrue interest on those loans through the date of claim. At June 30, 2017 and December 31, 2016, all TDR loans had a related allowance recorded. The following table provides the recorded investment, unpaid principal balance and related allowance for our TDR loans.
|  | Recorded Investment |  | Unpaid Principal Balance |  | Allowance
June 30, 2017 |  |  |  |  |  |
TDR Loans |  | $ | 815,515 |  |  | $ | 803,456 |  |  | $ | 95,177 |
December 31, 2016 |  |  |  |  |  |
TDR Loans |  | $ | 620,991 |  |  | $ | 612,606 |  |  | $ | 86,930 |
The following table provides the average recorded investment and interest income recognized for our TDR loans.
|  | Three Months Ended June 30,
|  | 2017 |  | 2016
|  | Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
TDR Loans |  | $ | 766,171 |  |  | $ | 14,310 |  |  | $ | 364,882 |  |  | $ | 6,697 |
|  | Six Months Ended June 30,
|  | 2017 |  | 2016
|  | Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
TDR Loans |  | $ | 718,727 |  |  | $ | 26,567 |  |  | $ | 332,292 |  |  | $ | 12,280 |
The following table provides information regarding the loan status and aging of TDR loans.
|  | June 30, |  | December 31,
|  | 2017 |  | 2016
|  | Balance |  | % |  | Balance |  | %
TDR loans in in-school/grace/deferment(1) |  | $ | 33,693 |  |  |  |  | $ | 24,185 |  |  |
TDR loans in forbearance(2) |  | 98,710 |  |  |  |  | 71,851 |  |  |
TDR loans in repayment(3) and percentage of each status: |  |  |  |  |  |  |  |
Loans current |  | 603,215 |  |  | 89.9 | % |  | 462,187 |  |  | 89.5 | %
Loans delinquent 31-60 days(4) |  | 35,120 |  |  | 5.2 |  |  | 28,452 |  |  | 5.5 |
Loans delinquent 61-90 days(4) |  | 20,170 |  |  | 3.0 |  |  | 17,326 |  |  | 3.4 |
Loans delinquent greater than 90 days(4) |  | 12,548 |  |  | 1.9 |  |  | 8,605 |  |  | 1.6 |
Total TDR loans in repayment |  | 671,053 |  |  | 100.0 | % |  | 516,570 |  |  | 100.0 | %
Total TDR loans, gross |  | $ | 803,456 |  |  |  |  | $ | 612,606 |  |  |
_____
(1) | Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation).
(2) | Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other factors, consistent with established loan program servicing policies and procedures.
(3) | Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period.
(4) | The period of delinquency is based on the number of days scheduled payments are contractually past due.
The following table provides the amount of modified loans (which includes forbearance and reductions in interest rates) that became TDRs in the periods presented. Additionally, for the periods presented, the table summarizes charge-offs occurring in the TDR portfolio, as well as TDRs for which a payment default occurred in the relevant period presented and within 12 months of the loan first being designated as a TDR. We define payment default as more than 60 days past due for this disclosure.
|  | Three Months Ended June 30, 2017 |  | Three Months Ended June 30, 2016
|  | Modified Loans(1) |  | Charge-offs |  | Payment- Default |  | Modified Loans(1) |  | Charge-offs |  | Payment- Default
TDR Loans |  | $ | 134,489 |  |  | $ | 12,215 |  |  | $ | 23,679 |  |  | $ | 92,782 |  |  | $ | 5,464 |  |  | $ | 21,388 |
|  | Six Months Ended June 30, 2017 |  | Six Months Ended June 30, 2016
|  | Modified Loans(1) |  | Charge-offs |  | Payment- Default |  | Modified Loans(1) |  | Charge-offs |  | Payment- Default
TDR Loans |  | $ | 246,695 |  |  | $ | 22,738 |  |  | $ | 49,113 |  |  | $ | 153,848 |  |  | $ | 10,432 |  |  | $ | 47,089 |
_____
(1) | Represents the principal balance of loans that have been modified during the period and resulted in a TDR.
Key Credit Quality Indicators For Private Education Loans, the key credit quality indicators are FICO scores, the existence of a cosigner, the loan status and loan seasoning. The FICO scores are assessed at original approval and periodically refreshed/updated through the loan’s term. The following table highlights the gross principal balance of our Private Education Loan portfolio stratified by key credit quality indicators.
|  | Private Education Loans
|  | Credit Quality Indicators
|  | June 30, 2017 |  | December 31, 2016
Credit Quality Indicators: |  | Balance(1) |  | % of Balance |  | Balance(1) |  | % of Balance
Cosigners: |  |  |  |  |  |  |  |
With cosigner |  | $ | 14,079,677 |  |  | 90 | % |  | $ | 12,816,512 |  |  | 90 | %
Without cosigner |  | 1,599,780 |  |  | 10 |  |  | 1,435,163 |  |  | 10 |
Total |  | $ | 15,679,457 |  |  | 100 | % |  | $ | 14,251,675 |  |  | 100 | %
FICO at Original Approval(2): |  |  |  |  |  |  |  |
Less than 670 |  | $ | 1,016,829 |  |  | 6 | % |  | $ | 920,132 |  |  | 6 | %
670-699 |  | 2,314,571 |  |  | 15 |  |  | 2,092,722 |  |  | 15 |
700-749 |  | 5,128,665 |  |  | 33 |  |  | 4,639,958 |  |  | 33 |
Greater than or equal to 750 |  | 7,219,392 |  |  | 46 |  |  | 6,598,863 |  |  | 46 |
Total |  | $ | 15,679,457 |  |  | 100 | % |  | $ | 14,251,675 |  |  | 100 | %
Seasoning(3): |  |  |  |  |  |  |  |
1-12 payments |  | $ | 4,291,633 |  |  | 27 | % |  | $ | 3,737,110 |  |  | 26 | %
13-24 payments |  | 2,931,945 |  |  | 19 |  |  | 2,841,107 |  |  | 20 |
25-36 payments |  | 1,965,406 |  |  | 13 |  |  | 1,839,764 |  |  | 13 |
37-48 payments |  | 990,248 |  |  | 6 |  |  | 917,633 |  |  | 7 |
More than 48 payments |  | 792,829 |  |  | 5 |  |  | 726,106 |  |  | 5 |
Not yet in repayment |  | 4,707,396 |  |  | 30 |  |  | 4,189,955 |  |  | 29 |
Total |  | $ | 15,679,457 |  |  | 100 | % |  | $ | 14,251,675 |  |  | 100 | %
(1) | Balance represents gross Private Education Loans.
(2) | Represents the higher credit score of the cosigner or the borrower.
(3) | Number of months in active repayment (whether interest only payment, fixed payment, or full principal and interest payment status) for which a scheduled payment was due.
Key Credit Quality Indicators For Personal Loans, the key credit quality indicators are FICO scores and loan seasoning. The FICO scores are assessed at original approval and periodically refreshed/updated through the loan’s term. The following table highlights the gross principal balance of our Personal Loan portfolio stratified by key credit quality indicators.
|  | Personal Loans
|  | Credit Quality Indicators
|  | June 30, 2017 |  | December 31, 2016
Credit Quality Indicators: |  | Balance(1) |  | % of Balance |  | Balance(1) |  | % of Balance
FICO at Original Approval: |  |  |  |  |  |  |  |
Less than 670 |  | $ | 5,367 |  |  | 8 | % |  | $ | 1,189 |  |  | 9 | %
670-699 |  | 20,137 |  |  | 29 |  |  | 3,139 |  |  | 24 |
700-749 |  | 31,974 |  |  | 46 |  |  | 5,678 |  |  | 44 |
Greater than or equal to 750 |  | 12,030 |  |  | 17 |  |  | 2,888 |  |  | 23 |
Total |  | $ | 69,508 |  |  | 100 | % |  | $ | 12,894 |  |  | 100 | %
Seasoning(2): |  |  |  |  |  |  |  |
0-12 payments |  | $ | 69,508 |  |  | 100 | % |  | $ | 12,894 |  |  | 100 | %
13-24 payments |  | — |  |  | — |  |  | — |  |  | — |
25-36 payments |  | — |  |  | — |  |  | — |  |  | — |
37-48 payments |  | — |  |  | — |  |  | — |  |  | — |
More than 48 payments |  | — |  |  | — |  |  | — |  |  | — |
Total |  | $ | 69,508 |  |  | 100 | % |  | $ | 12,894 |  |  | 100 | %
(1) | Balance represents gross Personal Loans.
(2) | Number of months in active repayment for which a scheduled payment was due.
The following table provides information regarding the loan status of our Private Education Loans. Loans in repayment include loans making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period.
|  | Private Education Loans
|  | June 30, |  | December 31,
|  | 2017 |  | 2016
|  | Balance |  | % |  | Balance |  | %
Loans in-school/grace/deferment(1) |  | $ | 4,707,396 |  |  |  |  | $ | 4,189,955 |  |  |
Loans in forbearance(2) |  | 356,956 |  |  |  |  | 351,962 |  |  |
Loans in repayment and percentage of each status: |  |  |  |  |  |  |  |
Loans current |  | 10,385,289 |  |  | 97.8 | % |  | 9,509,394 |  |  | 97.9 | %
Loans delinquent 31-60 days(3) |  | 132,108 |  |  | 1.3 |  |  | 124,773 |  |  | 1.3 |
Loans delinquent 61-90 days(3) |  | 67,371 |  |  | 0.6 |  |  | 51,423 |  |  | 0.5 |
Loans delinquent greater than 90 days(3) |  | 30,337 |  |  | 0.3 |  |  | 24,168 |  |  | 0.3 |
Total Private Education Loans in repayment |  | 10,615,105 |  |  | 100.0 | % |  | 9,709,758 |  |  | 100.0 | %
Total Private Education Loans, gross |  | 15,679,457 |  |  |  |  | 14,251,675 |  |  |
Private Education Loans deferred origination costs |  | 48,905 |  |  |  |  | 44,206 |  |  |
Total Private Education Loans |  | 15,728,362 |  |  |  |  | 14,295,881 |  |  |
Private Education Loans allowance for losses |  | (205,024 | ) |  |  |  | (182,472 | ) |  |
Private Education Loans, net |  | $ | 15,523,338 |  |  |  |  | $ | 14,113,409 |  |  |
Percentage of Private Education Loans in repayment |  |  |  | 67.7 | % |  |  |  | 68.1 | %
Delinquencies as a percentage of Private Education Loans in repayment |  |  |  | 2.2 | % |  |  |  | 2.1 | %
Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance |  |  |  | 3.3 | % |  |  |  | 3.5 | %
(1) | Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation).
(2) | Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other factors, consistent with established loan program servicing policies and procedures.
(3) | The period of delinquency is based on the number of days scheduled payments are contractually past due.
Accrued Interest Receivable The following table provides information regarding accrued interest receivable on our Private Education Loans. The table also discloses the amount of accrued interest on loans greater than 90 days past due as compared to our allowance for uncollectible interest. The allowance for uncollectible interest exceeds the amount of accrued interest on our 90 days past due Private Education Loan portfolio for all periods presented.
|  | Private Education Loan
|  | Accrued Interest Receivable
|  | Total Interest Receivable |  | Greater Than 90 Days Past Due |  | Allowance for Uncollectible Interest
June 30, 2017 |  | $ | 913,080 |  |  | $ | 1,107 |  |  | $ | 4,522 |
December 31, 2016 |  | $ | 739,847 |  |  | $ | 845 |  |  | $ | 2,898 |

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