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3. Finance Receivables (Tables) | 12 Months Ended
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Dec. 31, 2016
Finance Receivables |
Schedule of finance receivables |
|  | December 31, |
|  | 2016 |  |  | 2015 |
Finance receivables |  | (In thousands) |
Automobile finance receivables, net of unearned interest |  | $ | 2,266,619 |  |  | $ | 1,990,913 |
Unearned acquisition fees, discounts and deferred origination costs, net |  |  | 1,324 |  |  |  | (5,820 | )
Finance receivables |  | $ | 2,267,943 |  |  | $ | 1,985,093 |
Delinquency status of finance receivables |
|  | December 31, |
|  | 2016 |  |  | 2015 |
|  | (In thousands) |
Delinquency Status |  |  |  |  |  |  |  |
Current |  | $ | 2,053,759 |  |  | $ | 1,836,267 |
31 - 60 days |  |  | 116,073 |  |  |  | 70,036 |
61 - 90 days |  |  | 52,404 |  |  |  | 41,136 |
91 + days |  |  | 44,383 |  |  |  | 43,474 |
|  | $ | 2,266,619 |  |  | $ | 1,990,913 |
Allowance for credit losses |
|  |  | December 31, |
|  |  | 2016 |  |  | 2015 |  |  | 2014 |
|  |  |  |  |  | (In thousands) |  |  |  |
| Balance at beginning of year |  | $ | 75,603 |  |  | $ | 61,460 |  |  | $ | 39,626 |
| Provision for credit losses |  |  | 178,511 |  |  |  | 142,618 |  |  |  | 108,228 |
| Charge-offs |  |  | (192,366 | ) |  |  | (156,553 | ) |  |  | (109,914 | )
| Recoveries |  |  | 33,830 |  |  |  | 28,078 |  |  |  | 23,520 |
| Balance at end of year |  | $ | 95,578 |  |  | $ | 75,603 |  |  | $ | 61,460 |
Allowance for losses on repossessed inventory |
|  | December 31, |
|  | 2016 |  |  | 2015 |
|  | (In thousands) |
Gross balance of repossessions in inventory |  | $ | 40,069 |  |  | $ | 39,728 |
Allowance for losses on repossessed inventory |  |  | (28,924 | ) |  |  | (26,954 | )
Net repossessed inventory included in other assets |  | $ | 11,145 |  |  | $ | 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 + 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=66008989&loc=d3e5212-111524 + Details
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- Definition Tabular disclosure of the annual minimum payments due from financing receivables, such as, but not limited to accounts, notes, loans, and other financing receivables. + References No definition available. + Details
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