XML 19 R24.htm IDEA: XBRL DOCUMENT
v3.20.1

Note C - Finance Receivables, Net (Tables) | 12 Months Ended
--- | ---
Apr. 30, 2020
Notes Tables |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] |
(In thousands) |  | April 30, 2020 |  | April 30, 2019
Gross contract amount |  | $ | 728,841 |  |  | $ | 631,681 |
Less unearned finance charges |  |  | (107,659 | ) |  |  | (88,353 | )
Principal balance |  |  | 621,182 |  |  |  | 543,328 |
Less allowance for credit losses |  |  | (155,041 | ) |  |  | (127,842 | )
Finance receivables, net |  | $ | 466,141 |  |  | $ | 415,486 |
Change In Finance Receivables Net [Table Text Block] |
|  | Years Ended April 30,
(In thousands) |  | 2020 |  | 2019 |  | 2018
Balance at beginning of period |  | $ | 415,486 |  |  | $ | 383,617 |  |  | $ | 357,161 |
Finance receivable originations |  |  | 604,497 |  |  |  | 540,505 |  |  |  | 494,641 |
Finance receivable collections |  |  | (322,180 | ) |  |  | (293,739 | ) |  |  | (260,104 | )
Provision for credit losses |  |  | (162,246 | ) |  |  | (146,363 | ) |  |  | (149,059 | )
Losses on claims for payment protection plan |  |  | (17,966 | ) |  |  | (17,020 | ) |  |  | (16,748 | )
Inventory acquired in repossession and payment protection plan claims |  |  | (51,450 | ) |  |  | (51,514 | ) |  |  | (42,274 | )
Balance at end of period |  | $ | 466,141 |  |  | $ | 415,486 |  |  | $ | 383,617 |
Financing Receivable, Allowance for Credit Loss [Table Text Block] |
|  | Years Ended April 30,
(In thousands) |  | 2020 |  | 2019 |  | 2018
Balance at beginning of period |  | $ | 127,842 |  |  | $ | 117,821 |  |  | $ | 109,693 |
Provision for credit losses |  |  | 162,246 |  |  |  | 146,363 |  |  |  | 149,059 |
Charge-offs, net of recovered collateral |  |  | (135,047 | ) |  |  | (136,342 | ) |  |  | (140,931 | )
Balance at end of period |  | $ | 155,041 |  |  | $ | 127,842 |  |  | $ | 117,821 |
Financing Receivable, Past Due [Table Text Block] |
(Dollars in thousands) |  | April 30, 2020 |  | April 30, 2019
|  |  | Principal |  |  |  | Percent of |  |  |  | Principal |  |  |  | Percent of |
|  |  | Balance |  |  |  | Portfolio |  |  |  | Balance |  |  |  | Portfolio |
Current |  | $ | 515,390 |  |  |  | 82.97 | % |  | $ | 435,603 |  |  |  | 80.17 | %
3 - 29 days past due |  |  | 67,259 |  |  |  | 10.83 | % |  |  | 91,747 |  |  |  | 16.89 | %
30 - 60 days past due |  |  | 25,311 |  |  |  | 4.07 | % |  |  | 11,362 |  |  |  | 2.09 | %
61 - 90 days past due |  |  | 10,140 |  |  |  | 1.63 | % |  |  | 3,429 |  |  |  | 0.63 | %
> 90 days past due |  |  | 3,082 |  |  |  | 0.50 | % |  |  | 1,187 |  |  |  | 0.22 | %
Total |  | $ | 621,182 |  |  |  | 100.00 | % |  | $ | 543,328 |  |  |  | 100.00 | %
Financing Receivable Credit Quality Indicators [Table Text Block] |
|  | Twelve Months Ended April 30,
|  | 2020 |  | 2019
Principal collected as a percent of average finance receivables |  |  | 55.1 | % |  |  | 55.3 | %
Average down-payment percentage |  |  | 6.4 | % |  |  | 6.5 | %
|  |  | April 30, 2020 |  |  |  | April 30, 2019 |
Average originating contract term (in months ) |  |  | 30.7 |  |  |  | 29.5 |
Portfolio weighted average contract term, including modifications (in months ) |  |  | 33.3 |  |  |  | 32.1 |

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 Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919249-210447 + 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/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953659-111524 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 14 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919253-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953401-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 80 -URI http://asc.fasb.org/extlink&oid=121647567&loc=SL82922355-210448 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=121611835&loc=d3e5111-111524 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
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://fasb.org/us-gaap/role/ref/legacyRef -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=120391452&loc=d3e13212-122682 + Details
Name: | us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_TableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration