XML 43 R18.htm IDEA: XBRL DOCUMENT
v2.4.0.8

Note C - Finance Receivables (Tables) | 9 Months Ended
--- | ---
Jan. 31, 2014
Receivables [Abstract] |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] |
(In thousands) |  | January 31, 2014 |  |  | April 30, 2013 |
Gross contract amount |  | $ | 454,093 |  |  | $ | 414,614 |
Less unearned finance charges |  |  | (53,442 | ) |  |  | (51,220 | )
Principal balance |  |  | 400,651 |  |  |  | 363,394 |
Less allowance for credit losses |  |  | (90,942 | ) |  |  | (75,345 | )
Finance receivables, net |  | $ | 309,709 |  |  | $ | 288,049 |
Change in Finance Receivables, Net [Table Text Block] |
|  | Nine Months Ended January 31, |
(In thousands) |  | 2014 |  |  | 2013 |
Balance at beginning of period |  | $ | 288,049 |  |  | $ | 251,103 |
Finance receivable originations |  |  | 308,330 |  |  |  | 284,931 |
Finance receivable collections |  |  | (155,481 | ) |  |  | (144,025 | )
Provision for credit losses |  |  | (91,602 | ) |  |  | (70,499 | )
Losses on claims for payment protection plan |  |  | (6,745 | ) |  |  | (5,249 | )
Inventory acquired in repossession and payment protection plan claims |  |  | (32,842 | ) |  |  | (27,909 | )
Balance at end of period |  | $ | 309,709 |  |  | $ | 288,352 |
Allowance for Credit Losses on Financing Receivables [Table Text Block] |
|  | Nine Months Ended January 31, |
(In thousands) |  | 2014 |  |  | 2013 |
Balance at beginning of period |  | $ | 75,345 |  |  | $ | 65,831 |
Provision for credit losses |  |  | 91,602 |  |  |  | 70,499 |
Charge-offs, net of recovered collateral |  |  | (76,005 | ) |  |  | (60,764 | )
Balance at end of period |  | $ | 90,942 |  |  | $ | 75,566 |
Past Due Financing Receivables [Table Text Block] |
(Dollars in thousands) |  | January 31, 2014 |  |  | April 30, 2013 |  |  | January 31, 2013 |
|  | Principal Balance |  |  | Percent of Portfolio |  |  | Principal Balance |  |  | Percent of Portfolio |  |  | Principal Balance |  |  | Percent of Portfolio |
Current |  | $ | 321,511 |  |  |  | 80.24 | % |  | $ | 284,441 |  |  |  | 78.27 | % |  | $ | 287,553 |  |  |  | 79.01 | %
3 - 29 days past due |  |  | 55,873 |  |  |  | 13.95 | % |  |  | 60,477 |  |  |  | 16.64 | % |  |  | 54,358 |  |  |  | 14.94 | %
30 - 60 days past due |  |  | 14,620 |  |  |  | 3.65 | % |  |  | 10,232 |  |  |  | 2.82 | % |  |  | 14,112 |  |  |  | 3.88 | %
61 - 90 days past due |  |  | 6,221 |  |  |  | 1.55 | % |  |  | 6,280 |  |  |  | 1.73 | % |  |  | 5,494 |  |  |  | 1.51 | %
> 90 days past due |  |  | 2,426 |  |  |  | 0.61 | % |  |  | 1,964 |  |  |  | 0.54 | % |  |  | 2,401 |  |  |  | 0.66 | %
Total |  | $ | 400,651 |  |  |  | 100.00 | % |  | $ | 363,394 |  |  |  | 100.00 | % |  | $ | 363,918 |  |  |  | 100.00 | %
Financing Receivable Credit Quality Indicators [Table Text Block] |
|  | Nine Months Ended January 31, |
|  | 2014 |  |  | 2013 |
Principal collected as a percent of average finance receivables |  |  | 40.5 | % |  |  | 42.8 | %
Average down-payment percentage |  |  | 5.6 | % |  |  | 5.8 | %
Financing Receivable Contract Terms [Table Text Block] |
|  | January 31, 2014 |  |  | January 31, 2013 |
Average originating contract term (in months) |  |  | 27.7 |  |  |  | 28.3 |
Portfolio weighted average contract term, including modifications (in months) |  |  | 29.5 |  |  |  | 28.7 |

X
- Definition Tabular disclosure of the change in finance receivables over specified time period. + References No definition available. + Details
Name: | crmt_ChangeInFinanceReceivablesNetTableTextBlock
Namespace Prefix: | crmt_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Financing receivable contract terms. + References No definition available. + Details
Name: | crmt_FinancingReceivableContractTermsTableTextBlock
Namespace Prefix: | crmt_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953423-111524 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition 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. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953659-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 55 -Paragraph 19 -URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=28368275&loc=d3e5111-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953401-111524 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 02 -Paragraph 3, 4 -Article 5 + Details
Name: | us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration