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SCHEDULE OF ALLOWANCE FOR ESTIMATED LOSSES (Tables)
12 Months Ended
Dec. 31, 2014
SCHEDULE OF ALLOWANCE FOR ESTIMATED LOSSES  
SCHEDULE OF ALLOWANCE FOR ESTIMATED LOSSES

The table below shows our allowance for estimated losses (dollars in thousands):

 

 

 

2014

 

 

2013

 

 

2012

 

 

 

 

 

 

 

 

 

 

 

Balance January 1,

 

$

19,600

 

 

$

21,704

 

 

$

13,383

 

Increase (decrease) in provision

 

 

(1,321

)

 

 

(2,104

)

 

 

8,321

 

Balance December 31,

 

$

18,279

 

 

$

19,600

 

 

$

21,704