v3.2.0.727

Loans to Bank Customers (Tables)

6 Months Ended

Jun. 30, 2015

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
	(In thousands)
June 30, 2015
Residential	$	1			$	—			$	—			$	1			$	3,758			$	3,759
Commercial	—				—				28				28				280				308
Installment	2				11				4				17				2,744				2,761
Total loans	$	3			$	11			$	32			$	46			$	6,782			$	6,828
Percentage of outstanding	—		%		0.2		%		0.5		%		0.7		%		99.3		%		100.0		%
December 31, 2014
Residential	$	—			$	—			$	—			$	—			$	3,861			$	3,861
Commercial	—				—				—				—				697				697
Installment	1				3				4				8				2,428				2,436
Total loans	$	1			$	3			$	4			$	8			$	6,986			$	6,994
Percentage of outstanding	—		%		—		%		0.1		%		0.1		%		99.9		%		100.0		%

Nonperforming loans

The following table presents the carrying value, gross of the related allowance for loan losses, of our nonperforming 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, 2014 for further information on the criteria for classification as nonperforming.

	June 30, 2015				December 31, 2014
	(In thousands)
Residential	$	291			$	54
Commercial	10				31
Installment	168				104
Total loans	$	469			$	189

Financing receivable credit quality indicators

The table below presents the carrying value, gross of the related allowance for loan losses, of our loans within the primary credit quality indicators related to our loan portfolio:

	June 30, 2015								December 31, 2014
	Non-Classified				Classified				Non-Classified				Classified
	(In thousands)
Residential	$	3,268			$	491			$	3,604			$	257
Commercial	288				20				635				62
Installment	2,612				149				2,306				130
Total loans	$	6,168			$	660			$	6,545			$	449

Troubled debt restructurings

The following table presents our impaired loans and loans that we modified as TDRs as of June 30, 2015 and December 31, 2014:

	June 30, 2015								December 31, 2014
	Unpaid Principal Balance				Carrying Value				Unpaid Principal Balance				Carrying Value
	(In thousands)
Residential	$	382			$	291			$	97			$	54
Commercial	255				10				270				31
Installment	375				168				367				104

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,
	2015				2014				2015				2014
	(In thousands)
Balance, beginning of period	$	340			$	435			$	444			$	464
Provision for loans	39				—				(34		)		—
Loans charged off	(9		)		(27		)		(44		)		(60		)
Recoveries of loans previously charged off	7				6				11				10
Balance, end of period	$	377			$	414			$	377			$	414

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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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