XML 45 R50.htm IDEA: XBRL DOCUMENT
v2.4.0.8

Supplemental Consolidated Financial Information (Tables) | 12 Months Ended
--- | ---
Sep. 30, 2014
Organization, Consolidation and Presentation of Financial Statements [Abstract] |
Information on accounts receivable, net, inventories, net and inventory | The following table provides information on net amounts included in pawn service charges receivable, consumer loan fees and interest receivable, inventory and prepaid expenses and other assets:
| September 30,
| 2014 |  | 2013
| (in thousands)
Pawn service charges receivable: |  |  |
Gross pawn service charges receivable | $ | 41,351 |  |  | $ | 40,336 |
Allowance for uncollectible pawn service charges receivable | (10,307 | ) |  | (9,974 | )
Pawn service charges receivable, net | $ | 31,044 |  |  | $ | 30,362 |
Consumer loan fees and interest receivable: |  |  |
Gross consumer loan fees and interest receivable | $ | 39,333 |  |  | $ | 38,059 |
Allowance for uncollectible consumer loan fees and interest receivable | (8,680 | ) |  | (1,767 | )
Consumer loan fees and interest receivable, net | $ | 30,653 |  |  | $ | 36,292 |
Inventory: |  |  |
Inventory, gross | $ | 154,218 |  |  | $ | 149,446 |
Inventory reserves | (14,799 | ) |  | (4,246 | )
Inventory, net | $ | 139,419 |  |  | $ | 145,200 |
Prepaid expenses and other assets: |  |  |
Receivable from sale of long-term consumer loan portfolio (1) | $ | 43,780 |  |  | $ | — |
Other prepaid expenses and other assets | 33,179 |  |  | 34,217 |
Prepaid expenses and other assets | $ | 76,959 |  |  | $ | 34,217 |
(1) For additional information, see Note 20.
Information on advertising expense | The table below provides advertising expense for periods presented. Advertising costs are included in “Administrative” expense in our consolidated statements of operations:
| Fiscal Year Ended September 30,
| 2014 |  | 2013 |  | 2012
| (in thousands)
Advertising expense | $ | 7,435 |  |  | $ | 7,220 |  |  | $ | 5,159 |
Other Supplemental Information | Other Supplemental Information We issue letters of credit (“LOC”) to enhance the creditworthiness of our customers seeking unsecured loans from unaffiliated lenders. The letters of credit assure the lenders that if borrowers default on the loans, we will pay the lenders, upon demand, the principal and accrued interest owed to the lenders by the borrowers plus any insufficient funds fees. In addition we post as cash collateral a specified percentage of the maximum exposure for LOC losses. Our current carrying value of cash collateral and other assets, is included in “Prepaid expenses and other assets” in our consolidated balance sheets, expected LOC losses and accounts payable are included in “Accounts payable and other accrued expenses” in our consolidated balance sheets, maximum exposure for losses on letters of credit if all brokered loans defaulted and none was collected including the portion of that exposure secured by titles to customers’ automobiles, not included in our consolidated balance sheets, is summarized below:
| September 30,
| 2014 |  | 2013
| (in thousands)
Consumer loans: |  |  |
Cash collateral and other assets | $ | 9,135 |  |  | $ | 10,292 |
Expected LOC losses | 4,708 |  |  | 2,623 |
Accounts payable | 1,026 |  |  | 1,010 |
Maximum exposure for LOC losses (1) (2) | 29,502 |  |  | 33,380 |
(1) These amounts are not recorded in our consolidated balance sheets. (2) $7.8 million and $9.9 million of this exposure as of September 30, 2014 and 2013, respectively, was secured by titles to customers’ automobiles.
Valuation and Qualifying Accounts | Valuation and Qualifying Accounts:
|  |  | Additions |  |  |  |
Description | Balance at Beginning of Period |  | Charged to Expense |  | Charged to Revenue |  | Deductions |  | Balance at End of Period
| (in thousands)
Allowance for valuation of inventory: |  |  |  |  |  |  |  |  |
Year Ended September 30, 2014 | $ | 4,246 |  |  | $ | 10,553 |  |  | $ | — |  |  | $ | — |  |  | $ | 14,799 |
Year Ended September 30, 2013 | 5,574 |  |  | — |  |  | — |  |  | 1,328 |  |  | 4,246 |
Year Ended September 30, 2012 | 9,481 |  |  | — |  |  | — |  |  | 3,907 |  |  | 5,574 |
Allowance for uncollectible pawn service charges receivable: |  |  |  |  |  |  |  |  |
Year Ended September 30, 2014 | $ | 9,974 |  |  | $ | — |  |  | $ | 333 |  |  | $ | — |  |  | $ | 10,307 |
Year Ended September 30, 2013 | 11,427 |  |  | — |  |  | — |  |  | 1,453 |  |  | 9,974 |
Year Ended September 30, 2012 | 10,720 |  |  | — |  |  | 707 |  |  | — |  |  | 11,427 |
Allowance for uncollectible consumer loan fees and interest receivable: |  |  |  |  |  |  |  |  |
Year Ended September 30, 2014 | $ | 1,767 |  |  | $ | — |  |  | $ | 6,913 |  |  | $ | — |  |  | $ | 8,680 |
Year Ended September 30, 2013 | 4,430 |  |  | — |  |  | — |  |  | 2,663 |  |  | 1,767 |
Year Ended September 30, 2012 | 571 |  |  | — |  |  | 3,859 |  |  | — |  |  | 4,430 |
Allowance for valuation of deferred tax assets: |  |  |  |  |  |  |  |  |
Year Ended September 30, 2014 | $ | 659 |  |  | $ | — |  |  | $ | — |  |  | $ | 495 |  |  | $ | 164 |
Year Ended September 30, 2013 | 2,242 |  |  | — |  |  | — |  |  | 1,583 |  |  | 659 |
Year Ended September 30, 2012 | 1,425 |  |  | 817 |  |  | — |  |  | — |  |  | 2,242 |

X
- Definition Information on advertising expense. + References No definition available. + Details
Name: | ezpw_InformationOnAdvertisingExpenseTableTextBlock
Namespace Prefix: | ezpw_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Other supplemental information. + References No definition available. + Details
Name: | ezpw_OtherSupplementalInformationTableTextBlock
Namespace Prefix: | ezpw_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Schedule of accounts receivable and inventory. + References No definition available. + Details
Name: | ezpw_ScheduleOfAccountsReceivableAndInventoryTableTextBlock
Namespace Prefix: | ezpw_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Schedule of Valuation and Qualifying Accounts [Table Text Block] + References No definition available. + Details
Name: | ezpw_ScheduleOfValuationAndQualifyingAccountsTableTextBlock
Namespace Prefix: | ezpw_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Details
Name: | us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration