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Finance Receivables, Credit Quality Information, and Allowance for Credit Losses (Tables) | 12 Months Ended
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Dec. 31, 2017
Receivables [Abstract] |
Summary of Finance Receivables | Finance receivables for the periods indicated consisted of the following:
|  | December 31, |
In thousands |  | 2017 |  |  | 2016 |
Small loans |  | $ | 375,772 |  |  | $ | 358,471 |
Large loans |  |  | 347,218 |  |  |  | 235,349 |
Automobile loans |  |  | 61,423 |  |  |  | 90,432 |
Retail loans |  |  | 33,050 |  |  |  | 33,523 |
Finance receivables |  | $ | 817,463 |  |  | $ | 717,775 |
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, 2017 |
|  | Small |  |  | Large |  |  | Automobile |  |  | Retail |  |  | Total |
In thousands |  | $ |  |  | % |  |  | $ |  |  | % |  |  | $ |  |  | % |  |  | $ |  |  | % |  |  | $ |  |  | % |
Current |  | $ | 301,114 |  |  |  | 80.1 | % |  | $ | 299,467 |  |  |  | 86.3 | % |  | $ | 43,140 |  |  |  | 70.2 | % |  | $ | 25,730 |  |  |  | 77.8 | % |  | $ | 669,451 |  |  |  | 81.9 | %
1 to 29 days past due |  |  | 39,412 |  |  |  | 10.5 | % |  |  | 29,211 |  |  |  | 8.4 | % |  |  | 13,387 |  |  |  | 21.8 | % |  |  | 4,523 |  |  |  | 13.7 | % |  |  | 86,533 |  |  |  | 10.6 | %
Delinquent accounts |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
30 to 59 days |  |  | 9,738 |  |  |  | 2.6 | % |  |  | 5,949 |  |  |  | 1.6 | % |  |  | 2,162 |  |  |  | 3.6 | % |  |  | 879 |  |  |  | 2.7 | % |  |  | 18,728 |  |  |  | 2.2 | %
60 to 89 days |  |  | 8,755 |  |  |  | 2.3 | % |  |  | 4,757 |  |  |  | 1.4 | % |  |  | 1,046 |  |  |  | 1.7 | % |  |  | 739 |  |  |  | 2.2 | % |  |  | 15,297 |  |  |  | 1.9 | %
90 to 119 days |  |  | 6,881 |  |  |  | 1.9 | % |  |  | 3,286 |  |  |  | 1.0 | % |  |  | 701 |  |  |  | 1.1 | % |  |  | 471 |  |  |  | 1.5 | % |  |  | 11,339 |  |  |  | 1.4 | %
120 to 149 days |  |  | 5,284 |  |  |  | 1.4 | % |  |  | 2,537 |  |  |  | 0.7 | % |  |  | 636 |  |  |  | 1.0 | % |  |  | 408 |  |  |  | 1.2 | % |  |  | 8,865 |  |  |  | 1.1 | %
150 to 179 days |  |  | 4,588 |  |  |  | 1.2 | % |  |  | 2,011 |  |  |  | 0.6 | % |  |  | 351 |  |  |  | 0.6 | % |  |  | 300 |  |  |  | 0.9 | % |  |  | 7,250 |  |  |  | 0.9 | %
Total delinquency |  | $ | 35,246 |  |  |  | 9.4 | % |  | $ | 18,540 |  |  |  | 5.3 | % |  | $ | 4,896 |  |  |  | 8.0 | % |  | $ | 2,797 |  |  |  | 8.5 | % |  | $ | 61,479 |  |  |  | 7.5 | %
Total finance receivables |  | $ | 375,772 |  |  |  | 100.0 | % |  | $ | 347,218 |  |  |  | 100.0 | % |  | $ | 61,423 |  |  |  | 100.0 | % |  | $ | 33,050 |  |  |  | 100.0 | % |  | $ | 817,463 |  |  |  | 100.0 | %
Finance receivables in nonaccrual status |  | $ | 16,753 |  |  |  | 4.5 | % |  | $ | 7,834 |  |  |  | 2.3 | % |  | $ | 1,688 |  |  |  | 2.7 | % |  | $ | 1,179 |  |  |  | 3.6 | % |  | $ | 27,454 |  |  |  | 3.4 | %
|  | 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 | %
Summary of Changes in Allowance for Credit Losses | Changes in the allowance for credit losses for the periods indicated are as follows:
|  | Year Ended December 31, |
In thousands |  | 2017 |  |  | 2016 |  |  | 2015 |
Balance at beginning of period |  | $ | 41,250 |  |  | $ | 37,452 |  |  | $ | 40,511 |
Provision for credit losses |  |  | 77,339 |  |  |  | 63,014 |  |  |  | 47,348 |
Credit losses |  |  | (75,880 | ) |  |  | (64,064 | ) |  |  | (55,043 | )
Recoveries |  |  | 6,201 |  |  |  | 4,848 |  |  |  | 4,636 |
Balance at end of period |  | $ | 48,910 |  |  | $ | 41,250 |  |  | $ | 37,452 |
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, 2017 |  |  | Provision |  |  | Credit Losses |  |  | Recoveries |  |  | Balance December 31, 2017 |  |  | Finance Receivables December 31, 2017 |  |  | Allowance as Percentage of Finance Receivables December 31, 2017 |
Small loans |  | $ | 21,770 |  |  | $ | 45,104 |  |  | $ | (45,612 | ) |  | $ | 3,487 |  |  | $ | 24,749 |  |  | $ | 375,772 |  |  |  | 6.6 | %
Large loans |  |  | 11,460 |  |  |  | 25,024 |  |  |  | (20,088 | ) |  |  | 1,152 |  |  |  | 17,548 |  |  |  | 347,218 |  |  |  | 5.1 | %
Automobile loans |  |  | 5,910 |  |  |  | 4,210 |  |  |  | (7,424 | ) |  |  | 1,329 |  |  |  | 4,025 |  |  |  | 61,423 |  |  |  | 6.6 | %
Retail loans |  |  | 2,110 |  |  |  | 3,001 |  |  |  | (2,756 | ) |  |  | 233 |  |  |  | 2,588 |  |  |  | 33,050 |  |  |  | 7.8 | %
Total |  | $ | 41,250 |  |  | $ | 77,339 |  |  | $ | (75,880 | ) |  | $ | 6,201 |  |  | $ | 48,910 |  |  | $ | 817,463 |  |  |  | 6.0 | %
In thousands |  | Balance January 1, 2016 |  |  | Provision |  |  | Credit Losses |  |  | Recoveries |  |  | Balance December 31, 2016 |  |  | Finance Receivables December 31, 2016 |  |  | Allowance as Percentage of Finance Receivables 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 Receivables 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 | %
Tabular Disclosure of Impaired Financing Receivables | Impaired finance receivables as a percentage of total finance receivables were 2.1% and 1.6% for the years ended December 31, 2017 and 2016, respectively. The following is a summary of finance receivables evaluated for impairment for the periods indicated:
|  | December 31, 2017 |
In thousands |  | Small |  |  | Large |  |  | Automobile |  |  | Retail |  |  | Total |
Impaired receivables specifically evaluated |  | $ | 5,094 |  |  | $ | 10,303 |  |  | $ | 1,724 |  |  | $ | 109 |  |  | $ | 17,230 |
Finance receivables evaluated collectively |  |  | 370,678 |  |  |  | 336,915 |  |  |  | 59,699 |  |  |  | 32,941 |  |  |  | 800,233 |
Finance receivables outstanding |  | $ | 375,772 |  |  | $ | 347,218 |  |  | $ | 61,423 |  |  | $ | 33,050 |  |  | $ | 817,463 |
Impaired receivables in nonaccrual status |  | $ | 707 |  |  | $ | 931 |  |  | $ | 129 |  |  | $ | 31 |  |  | $ | 1,798 |
Amount of the specific reserve for impaired accounts |  | $ | 1,190 |  |  | $ | 2,183 |  |  | $ | 373 |  |  | $ | 20 |  |  | $ | 3,766 |
Amount of the general component of the allowance |  | $ | 23,559 |  |  | $ | 15,365 |  |  | $ | 3,652 |  |  | $ | 2,568 |  |  | $ | 45,144 |
|  | 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 |
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 |  | 2017 |  |  | 2016 |
Small loans |  | $ | 3,946 |  |  | $ | 1,686 |
Large loans |  |  | 8,205 |  |  |  | 4,478 |
Automobile loans |  |  | 2,062 |  |  |  | 2,801 |
Retail loans |  |  | 107 |  |  |  | 114 |
Total average recorded investment |  | $ | 14,320 |  |  | $ | 9,079 |

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