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Finance Receivables, Credit Quality Information, and Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2016

Receivables [Abstract]

Summary of Finance Receivables

Finance receivables for the periods indicated consisted of the following:

		December 31,
In thousands		2016				2015
Small loans		$	358,471			$	338,157
Large loans			235,349				146,553
Automobile loans			90,432				116,109
Retail loans			33,523				27,625
Finance receivables		$	717,775			$	628,444

Contractual Delinquency of the Finance Receivable Portfolio by Component

The contractual delinquency of the finance receivable portfolio by product and aging for the periods indicated are as follows:

		December 31, 2016
		Small								Large								Automobile								Retail								Total
In thousands		$				%				$				%				$				%				$				%				$				%
Current		$	288,983				80.6	%		$	204,063				86.8	%		$	66,936				74.0	%		$	27,220				81.2	%		$	587,202				81.9	%
1 to 29 days past due			36,533				10.2	%			19,172				8.1	%			17,196				19.0	%			4,205				12.5	%			77,106				10.7	%
Delinquent accounts
30 to 59 days			9,408				2.6	%			3,948				1.7	%			2,654				3.0	%			717				2.2	%			16,727				2.3	%
60 to 89 days			7,110				2.0	%			2,920				1.2	%			1,171				1.3	%			440				1.3	%			11,641				1.6	%
90 to 119 days			6,264				1.8	%			2,271				1.0	%			1,110				1.2	%			376				1.1	%			10,021				1.4	%
120 to 149 days			5,424				1.5	%			1,710				0.7	%			743				0.8	%			328				1.0	%			8,205				1.1	%
150 to 179 days			4,749				1.3	%			1,265				0.5	%			622				0.7	%			237				0.7	%			6,873				1.0	%
Total delinquency		$	32,955				9.2	%		$	12,114				5.1	%		$	6,300				7.0	%		$	2,098				6.3	%		$	53,467				7.4	%
Total finance receivables		$	358,471				100.0	%		$	235,349				100.0	%		$	90,432				100.0	%		$	33,523				100.0	%		$	717,775				100.0	%
Finance receivables in nonaccrual status		$	16,437				4.6	%		$	5,246				2.2	%		$	2,475				2.7	%		$	941				2.8	%		$	25,099				3.5	%

		December 31, 2015
		Small								Large								Automobile								Retail								Total
In thousands		$				%				$				%				$				%				$				%				$				%
Current		$	270,635				80.1	%		$	127,374				86.9	%		$	79,878				68.8	%		$	22,704				82.2	%		$	500,591				79.7	%
1 to 29 days past due			37,337				11.0	%			14,234				9.7	%			27,518				23.7	%			3,500				12.7	%			82,589				13.1	%
Delinquent accounts
30 to 59 days			8,841				2.6	%			2,157				1.5	%			4,119				3.5	%			537				1.9	%			15,654				2.5	%
60 to 89 days			6,430				1.9	%			1,153				0.8	%			1,959				1.7	%			316				1.1	%			9,858				1.6	%
90 to 119 days			5,620				1.6	%			682				0.4	%			1,147				1.0	%			247				1.0	%			7,696				1.1	%
120 to 149 days			4,928				1.5	%			574				0.4	%			1,003				0.9	%			173				0.6	%			6,678				1.1	%
150 to 179 days			4,366				1.3	%			379				0.3	%			485				0.4	%			148				0.5	%			5,378				0.9	%
Total delinquency		$	30,185				8.9	%		$	4,945				3.4	%		$	8,713				7.5	%		$	1,421				5.1	%		$	45,264				7.2	%
Total finance receivables		$	338,157				100.0	%		$	146,553				100.0	%		$	116,109				100.0	%		$	27,625				100.0	%		$	628,444				100.0	%
Finance receivables in nonaccrual status		$	14,914				4.4	%		$	1,635				1.1	%		$	2,635				2.3	%		$	568				2.1	%		$	19,752				3.1	%

Summary of Changes in Allowance for Credit Losses

Changes in the allowance for credit losses for the periods indicated are as follows:

		December 31,
In thousands		2016				2015				2014
Balance at beginning of year		$	37,452			$	40,511			$	30,089
Provision for credit losses			63,014				47,348				69,057
Credit losses			(64,064	)			(55,043	)			(58,236	)
Credit losses (180+ policy change)			—				—				(2,106	)
Recoveries			4,848				4,636				1,707
Balance at end of year		$	41,250			$	37,452			$	40,511

Reconciliation of Allowance for Credit Losses

The following is a reconciliation of the allowance for credit losses by product for the periods indicated:

In thousands		Balance January  1, 2016				Provision				Credit Losses				Recoveries				Balance December  31, 2016				Finance Receivables December 31, 2016				Allowance as Percentage of Finance Receivable December 31, 2016
Small loans		$	21,535			$	41,119			$	(43,797	)		$	2,913			$	21,770			$	358,471				6.1	%
Large loans			5,593				14,261				(8,946	)			552				11,460				235,349				4.9	%
Automobile loans			8,828				4,785				(8,886	)			1,183				5,910				90,432				6.5	%
Retail loans			1,496				2,849				(2,435	)			200				2,110				33,523				6.3	%
Total		$	37,452			$	63,014			$	(64,064	)		$	4,848			$	41,250			$	717,775				5.7	%

In thousands		Balance January  1, 2015				Provision				Credit Losses				Recoveries				Balance December  31, 2015				Finance Receivables December 31, 2015				Allowance as Percentage of Finance Receivable December 31, 2015
Small loans		$	25,280			$	33,428			$	(40,059	)		$	2,886			$	21,535			$	338,157				6.4	%
Large loans			1,980				6,032				(2,762	)			343				5,593				146,553				3.8	%
Automobile loans			11,776				6,285				(10,466	)			1,233				8,828				116,109				7.6	%
Retail loans			1,475				1,603				(1,756	)			174				1,496				27,625				5.4	%
Total		$	40,511			$	47,348			$	(55,043	)		$	4,636			$	37,452			$	628,444				6.0	%

In thousands		Balance January  1, 2014				Provision				Credit Losses				Credit Losses (180+ Policy Change)				Recoveries				Balance December  31, 2014				Finance Receivables December 31, 2014				Allowance as Percentage of Finance Receivable December 31, 2014
Small loans		$	15,370			$	50,755			$	(40,697	)		$	(1,132	)		$	984			$	25,280			$	319,533				7.9	%
Large loans			2,233				1,985				(2,334	)			(203	)			299				1,980				46,147				4.3	%
Automobile loans			10,827				14,259				(12,939	)			(688	)			317				11,776				154,382				7.6	%
Retail loans			1,659				2,058				(2,266	)			(83	)			107				1,475				26,130				5.6	%
Total		$	30,089			$	69,057			$	(58,236	)		$	(2,106	)		$	1,707			$	40,511			$	546,192				7.4	%

Summary of Finance Receivables Evaluated for Impairment

The following is a summary of finance receivables evaluated for impairment for the periods indicated:

		December 31, 2016
In thousands		Small				Large				Automobile				Retail				Total
Impaired receivables specifically evaluated		$	2,409			$	6,441			$	2,460			$	101			$	11,411
Finance receivables evaluated collectively			356,062				228,908				87,972				33,422				706,364
Finance receivables outstanding		$	358,471			$	235,349			$	90,432			$	33,523			$	717,775
Impaired receivables in nonaccrual status		$	288			$	610			$	175			$	7			$	1,080
Amount of the specific reserve for impaired accounts		$	563			$	1,216			$	576			$	19			$	2,374
Amount of the general component of the allowance		$	21,207			$	10,244			$	5,334			$	2,091			$	38,876

		December 31, 2015
In thousands		Small				Large				Automobile				Retail				Total
Impaired receivables specifically evaluated		$	1,009			$	2,760			$	3,370			$	121			$	7,260
Finance receivables evaluated collectively			337,148				143,793				112,739				27,504				621,184
Finance receivables outstanding		$	338,157			$	146,553			$	116,109			$	27,625			$	628,444
Impaired receivables in nonaccrual status		$	204			$	83			$	415			$	17			$	719
Amount of the specific reserve for impaired accounts		$	266			$	560			$	862			$	20			$	1,708
Amount of the general component of the allowance		$	21,269			$	5,033			$	7,966			$	1,476			$	35,744

Schedule of Average Recorded Investment in Impaired Finance Receivables

Average recorded investment in impaired finance receivables for the periods indicated are as follows:

		December 31,
In thousands		2016				2015
Small loans		$	1,686			$	1,100
Large loans			4,478				1,523
Automobile loans			2,801				3,571
Retail loans			114				128
Total average recorded investment		$	9,079			$	6,322

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