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3. Finance Receivables (Tables) | 12 Months Ended
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Dec. 31, 2014
Finance Receivables |
Financial Receivables |
|  | December 31, |
|  | 2014 |  |  | 2013 |
|  | (In thousands) |
Finance receivables |  |  |  |  |  |  |  |
Automobile finance receivables, net of unearned interest |  | $ | 1,612,246 |  |  | $ | 1,182,950 |
Less: Unearned acquisition fees and discounts |  |  | (16,290 | ) |  |  | (27,887 | )
Finance receivables |  | $ | 1,595,956 |  |  | $ | 1,155,063 |
Delinquency status of finance receivables |
|  | December 31, |
|  | 2014 |  |  | 2013 |
|  | (In thousands) |
Delinquency Status |  |  |  |  |  |  |  |
Current |  | $ | 1,523,020 |  |  | $ | 1,125,926 |
31 - 60 days |  |  | 42,730 |  |  |  | 21,421 |
61 - 90 days |  |  | 23,300 |  |  |  | 24,663 |
91 + days |  |  | 23,196 |  |  |  | 10,940 |
|  | $ | 1,612,246 |  |  | $ | 1,182,950 |
Allowance for credit losses |
|  | December 31, |
|  | 2014 |  |  | 2013 |  |  | 2012 |
|  | (In thousands) |
Balance at beginning of year |  | $ | 39,626 |  |  | $ | 19,594 |  |  | $ | 10,351 |
Provision for credit losses |  |  | 108,228 |  |  |  | 76,869 |  |  |  | 33,495 |
Charge-offs |  |  | (109,914 | ) |  |  | (69,455 | ) |  |  | (37,638 | )
Recoveries |  |  | 23,520 |  |  |  | 12,618 |  |  |  | 13,386 |
Balance at end of year |  | $ | 61,460 |  |  | $ | 39,626 |  |  | $ | 19,594 |
Allowance for losses on repossessed inventory |
|  | December 31, |
|  | 2014 |  |  | 2013 |
|  | (In thousands) |
Gross balance of repossessions in inventory |  | $ | 28,234 |  |  | $ | 24,743 |
Allowance for losses on repossessed inventory |  |  | (17,829 | ) |  |  | (14,779 | )
Net repossessed inventory included in other assets |  | $ | 10,405 |  |  | $ | 9,964 |

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- 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=35738203&loc=SL6953423-111524 + Details
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- Definition Tabular disclosure of impaired financing receivables. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524 + Details
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