XML 43 R30.htm IDEA: XBRL DOCUMENT v3.10.0.1

Loans to Bank Customers (Tables)

9 Months Ended

Sep. 30, 2018

Loans and Leases Receivable Disclosure [Abstract]

Schedule of past due financing receivables

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, 2017 for further information on the criteria for classification as nonperforming.

	September 30, 2018				December 31, 2017
	(In thousands)
Residential	$	422			$	502
Installment	175				191
Total loans	$	597			$	693

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)
September 30, 2018
Residential	$	—			$	—			$	9			$	9			$	3,786			$	3,795
Commercial	8				—				—				8				172				180
Installment	11				2				—				13				996				1,009
Secured credit card	1,582				1,505				1,104				4,191				14,076				18,267
Total loans	$	1,601			$	1,507			$	1,113			$	4,221			$	19,030			$	23,251
Percentage of outstanding	6.9		%		6.5		%		4.8		%		18.2		%		81.8		%		100.0		%
December 31, 2017
Residential	$	—			$	—			$	—			$	—			$	3,554			$	3,554
Commercial	—				—				—				—				315				315
Installment	1				—				—				1				1,378				1,379
Secured credit card	1,223				593				424				2,240				11,373				13,613
Total loans	$	1,224			$	593			$	424			$	2,241			$	16,620			$	18,861
Percentage of outstanding	6.5		%		3.1		%		2.3		%		11.9		%		88.1		%		100.0		%

Schedule of credit quality indicators related to loan portfolio

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:

	September 30, 2018								December 31, 2017
	Non-Classified				Classified				Non-Classified				Classified
	(In thousands)
Residential	$	3,373			$	422			$	3,038			$	516
Commercial	180				—				315				—
Installment	665				344				1,059				320
Secured credit card	18,267				—				13,613				—
Total loans	$	22,485			$	766			$	18,025			$	836

Schedule of troubled debt restructurings

The following table presents our impaired loans and loans that we modified as TDRs as of September 30, 2018 and December 31, 2017:

	September 30, 2018								December 31, 2017
	Unpaid Principal Balance				Carrying Value				Unpaid Principal Balance				Carrying Value
	(In thousands)
Residential	$	422			$	344			$	516			$	452
Installment	209				60				262				120

Schedule of allowance for loan losses

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

	Three Months Ended September 30,								Nine Months Ended September 30,
	2018				2017				2018				2017
	(In thousands)
Balance, beginning of period	$	1,173			$	319			$	291			$	277
Provision for loans	1,036				72				2,270				135
Loans charged off	(964		)		(158		)		(1,598		)		(189		)
Recoveries of loans previously charged off	89				4				371				14
Balance, end of period	$	1,334			$	237			$	1,334			$	237

X

- 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.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953423-111524

+ Details

Name:	us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

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.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 55
-Paragraph 19
-URI http://asc.fasb.org/extlink&oid=82894031&loc=SL6953803-111525

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 29
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953659-111524

+ Details

Name:	us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- References

No definition available.

+ Details

Name:	us-gaap_LoansAndLeasesReceivableDisclosureAbstract
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration

X

- Definition

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.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=84173941&loc=d3e5111-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7A
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953401-111524

+ Details

Name:	us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables and troubled debt restructurings.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 33
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953676-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 34
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953682-111524

+ Details

Name:	us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration