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Loans to Bank Customers (Tables)

9 Months Ended

Sep. 30, 2019

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, 2018 for further information on the criteria for classification as nonperforming.

	September 30, 2019				December 31, 2018
	(In thousands)
Residential	$	308			$	403
Installment	150				169
Secured credit card	3,344				1,114
Total loans	$	3,802			$	1,686

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, 2019
Residential	$	5			$	—			$	—			$	5			$	2,926			$	2,931
Commercial	10				—				—				10				170				180
Installment	12				—				—				12				698				710
Secured credit card	1,206				1,128				3,344				5,678				12,965				18,643
Total loans	$	1,233			$	1,128			$	3,344			$	5,705			$	16,759			$	22,464
Percentage of outstanding	5.5		%		5.0		%		14.9		%		25.4		%		74.6		%		100.0		%
December 31, 2018
Residential	$	2			$	—			$	7			$	9			$	3,329			$	3,338
Commercial	—				—				—				—				193				193
Installment	—				2				—				2				905				907
Secured credit card	1,383				1,315				1,114				3,812				14,257				18,069
Total loans	$	1,385			$	1,317			$	1,121			$	3,823			$	18,684			$	22,507
Percentage of outstanding	6.2		%		5.9		%		5.0		%		17.0		%		83.0		%		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, 2019								December 31, 2018
	Non-Classified				Classified				Non-Classified				Classified
	(In thousands)
Residential	$	2,623			$	308			$	2,935			$	403
Commercial	180				—				193				—
Installment	491				219				632				275
Secured credit card	15,299				3,344				16,955				1,114
Total loans	$	18,593			$	3,871			$	20,715			$	1,792

Schedule of troubled debt restructurings

The following table presents our impaired loans and loans that we modified as TDRs as of September 30, 2019 and December 31, 2018:

	September 30, 2019								December 31, 2018
	Unpaid Principal Balance				Carrying Value				Unpaid Principal Balance				Carrying Value
	(In thousands)
Residential	$	308			$	235			$	403			$	329
Installment	166				52				190				53

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,
	2019				2018				2019				2018
	(In thousands)
Balance, beginning of period	$	970			$	1,173			$	1,144			$	291
Provision for loans	658				1,036				1,914				2,270
Loans charged off	(112		)		(964		)		(1,661		)		(1,598		)
Recoveries of loans previously charged off	42				89				161				371
Balance, end of period	$	1,558			$	1,334			$	1,558			$	1,334

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Tabular disclosure of allowance for credit loss on financing receivable.

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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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