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2. Finance Receivables (Tables)

9 Months Ended

Sep. 30, 2016

Finance Receivables

Financial Receivables

		September 30,				December 31,
		2016				2015
		(In thousands)
Finance Receivables
Automobile finance receivables, net of unearned interest		$	2,256,894			$	1,990,913
Unearned acquisition fees and originations costs			257				(5,820	)
Finance Receivables		$	2,257,151			$	1,985,093

Delinquency status of finance receivables

		September 30,				December 31,
		2016				2015
		(In thousands)
Delinquency Status
Current		$	2,051,087			$	1,836,267
31 - 60 days			119,283				70,036
61 - 90 days			50,248				41,136
91 + days			36,276				43,474
		$	2,256,894			$	1,990,913

Allowance for credit losses

		Three Months Ended								Nine Months Ended
		September 30,								September 30,
		2016				2015				2016				2015
		(In thousands)								(In thousands)
Balance at beginning of period		$	90,168			$	74,541			$	75,603			$	61,460
Provision for credit losses on finance receivables			46,262				37,411				134,881				106,533
Charge-offs			(46,839	)			(38,608	)			(134,674	)			(105,273	)
Recoveries			7,252				5,415				21,033				16,039
Balance at end of period		$	96,843			$	78,759			$	96,843			$	78,759

Allowance for losses on repossessed inventory

		September 30,				December 31,
		2016				2015
		(In thousands)
Gross balance of repossessions in inventory		$	33,781			$	39,728
Allowance for losses on repossessed inventory			(24,143	)			(26,954	)
Net repossessed inventory included in other assets		$	9,638			$	12,774

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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=66008989&loc=SL6953423-111524

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Tabular disclosure of impaired financing receivables.

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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=66008989&loc=d3e5212-111524

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Tabular disclosure of the annual minimum payments due from financing receivables, such as, but not limited to accounts, notes, loans, and other financing receivables.

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