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Loans to Bank Customers (Tables)

6 Months Ended

Jun. 30, 2020

Loans and Leases Receivable Disclosure [Abstract]

Schedule of 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, 2020
Residential			$	125					$	—					$	—					$	125					$	3,645					$	3,770
Commercial			—						—						—						—						1,074						1,074
Installment			2						—						—						2						1,215						1,217
Secured credit card			488						435						759						1,682						12,378						14,060
Total loans			$	615					$	435					$	759					$	1,809					$	18,312					$	20,121
Percentage of outstanding			3.1		%				2.2		%				3.8		%				9.0		%				91.0		%				100.0		%
December 31, 2019
Residential			$	1					$	—					$	—					$	1					$	4,530					$	4,531
Commercial			—						—						—						—						158						158
Installment			1						—						—						1						1,246						1,247
Secured credit card			1,080						939						2,183						4,202						12,445						16,647
Total loans			$	1,082					$	939					$	2,183					$	4,204					$	18,379					$	22,583
Percentage of outstanding			4.8		%				4.2		%				9.7		%				18.6		%				81.4		%				100.0		%

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, 2019 for further information on the criteria for classification as nonperforming.

			June 30, 2020						December 31, 2019
			(In thousands)
Residential			$	262					$	290
Installment			131						147
Secured credit card			759						2,183
Total loans			$	1,152					$	2,620

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:

Note 6—Loans to Bank Customers (continued)

			June 30, 2020																		December 31, 2019
			Non-Classified						Classified						Non-Classified						Classified
			(In thousands)
Residential			$	3,508					$	262					$	4,241					$	290
Commercial			1,074						—						158						—
Installment			1,062						155						1,058						189
Secured credit card			13,301						759						14,464						2,183
Total loans			$	18,945					$	1,176					$	19,921					$	2,662

Schedule of troubled debt restructurings

The following table presents our impaired loans and loans that we modified as TDRs as of June 30, 2020 and December 31, 2019:

			June 30, 2020																		December 31, 2019
			Unpaid Principal Balance						Carrying Value						Unpaid Principal Balance						Carrying Value
			(In thousands)
Residential			$	262					$	196					$	290					$	221
Installment			142						138						160						48

Schedule of 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,
			2020						2019						2020						2019
			(In thousands)
Balance, beginning of period			$	1,057					$	948					$	1,166					$	1,144
Provision for loans			62						590						254						1,256
Loans charged off			(634)						(637)						(1,121)						(1,549)
Recoveries of loans previously charged off			85						69						271						119
Balance, end of period			$	570					$	970					$	570					$	970

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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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