v2.4.0.8

Loans to Bank Customers (Tables)

6 Months Ended

Jun. 30, 2013

Loans and Leases Receivable Disclosure [Abstract]

Past Due Financing Receivables

The following table presents total outstanding loans, gross of the related allowance for loan losses, and a summary of the related payment status:

	30-59 Days Past Due				60-89 Days Past Due				90 Days or More Past Due				Total Past Due				Total Current or Less Than 30 Days Past Due				Total Outstanding
June 30, 2013	(In thousands)
Real estate	$	—			$	135			$	—			$	135			$	3,489			$	3,624
Commercial	—				—				—				—				1,341				1,341
Installment	—				46				41				87				2,634				2,721
Total loans	$	—			$	181			$	41			$	222			$	7,464			$	7,686
Percentage of outstanding	—		%		2.35		%		0.53		%		2.89		%		97.11		%		100.00		%
December 31, 2012
Real estate	$	91			$	—			$	—			$	91			$	3,465			$	3,556
Commercial	77				—				—				77				1,102				1,179
Installment	22				3				—				25				3,267				3,292
Total loans	$	190			$	3			$	—			$	193			$	7,834			$	8,027
Percentage of outstanding	2.37		%		0.04		%		—		%		2.40		%		97.60		%		100.00		%

Nonperforming Loans

The following table presents our nonperforming loans, including impaired loans. See Note 2–Summary of Significant Accounting Policies to the Consolidated Financial Statements of our Annual Report on Form 10-K for the year ended December 31, 2012 for further information on the criteria for classification as nonperforming.

	June 30, 2013				December 31, 2012
	(In thousands)
Real estate	$	12			$	8
Commercial	158				244
Installment	104				135
Total loans	$	274			$	387

Financing Receivable Credit Quality Indicators

The table below presents our primary credit quality indicators related to our loan portfolio:

	June 30, 2013								December 31, 2012
	Non-Classified				Classified				Non-Classified				Classified
	(In thousands)
Real estate	$	3,318			$	306			$	3,360			$	196
Commercial	1,249				92				930				249
Installment	2,639				82				3,000				292
Total loans	$	7,206			$	480			$	7,290			$	737

Troubled Debt Restructurings

Our TDR modifications related to extensions of the maturity dates at a stated interest rate lower than the current market rate for new debt with similar risk:

	June 30, 2013								December 31, 2012
	Unpaid Principal Balance				Carrying Value				Unpaid Principal Balance				Carrying Value
	(In thousands)
Real estate	$	31			$	20			$	194			$	96
Commercial	481				199				280				136
Installment	426				175				403				173

Allowance for Loan Losses

Activity in the allowance for loan losses consisted of the following:

	Three Months Ended June 30,								Six Months Ended June 30,
	2013				2012				2013				2012
	(In thousands)
Balance, beginning of period	$	450			$	—			$	475			$	—
Provision for loans	—				310				10				310
Loans charged off	—				—				(35		)		—
Recoveries of loans previously charged off	$	10			$	—			$	10			$	—
Balance, end of period	$	460			$	310			$	460			$	310

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- Definition

Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

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Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

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