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2. Finance Receivables (Tables)
 9 Months Ended
Sep. 30, 2015
Finance Receivables  
Financial Receivables

 

   September 30,   December 31, 
   2015   2014 
Finance Receivables  (In thousands) 
         
Automobile finance receivables, net of unearned interest  $1,910,581   $1,612,246 
Less: Unearned acquisition fees and originations costs  $(8,425)  $(16,290)
Finance Receivables  $1,902,156   $1,595,956 

 
Delinquency status of finance receivables

 

   September 30,   December 31, 
   2015   2014 
   (In thousands) 
Delinquency Status          
Current  $1,768,918   $1,523,020 
31 - 60 days  69,604    42,730 
61 - 90 days  38,940    23,300 
91 + days  33,119    23,196 
   $1,910,581   $1,612,246 

 
Allowance for credit losses
   Three Months Ended   Nine Months Ended 
   September 30,   September 30, 
   2015   2014   2015   2014 
   (In thousands)   (In thousands) 
Balance at beginning of period  $74,541  $53,326   $61,460   $39,626 
Provision for credit losses on finance receivables  37,411    27,287    106,533    76,795 
Charge-offs  (38,608)   (29,988)   (105,273)   (80,514)
Recoveries  5,415    3,996    16,039    18,714 
Balance at end of period  $78,759  $54,621   $78,759   $54,621 

 
Allowance for losses on repossessed inventory

   September 30,   December 31, 
   2015   2014 
   (In thousands) 
Gross balance of repossessions in inventory  $29,232   $28,234 
Allowance for losses on repossessed inventory  (19,117)   (17,829)
Net repossessed inventory included in other assets  $10,115   $10,405