XML 42 R18.htm IDEA: XBRL DOCUMENT v2.4.0.8

Finance Receivables (Tables)

3 Months Ended

Jun. 30, 2014

Accounts, Notes, Loans and Financing Receivable [Line Items]

Schedule of finance receivables consisting of automobile finance installment Contracts and Direct Loans

		June 30, 2014				March 31, 2014
Finance receivables, gross contract		$	440,506,362			$	424,344,193
Unearned interest			(130,935,575	)			(124,306,969	)
Finance receivables, net of unearned interest			309,570,787				300,037,224
Unearned dealer discounts			(17,756,663	)			(17,214,269	)
Finance receivables, net of unearned interest and unearned dealer discounts			291,814,124				282,822,955
Allowance for credit losses			(13,640,865	)			(13,479,360	)
Finance receivables, net		$	278,173,259			$	269,343,595

Schedule of an assessment of the credit quality by creditworthiness

		June 30, 2014								June 30, 2013
		Contracts				Direct Loans				Contracts				Direct Loans
Performing accounts		$	420,006,795			$	11,118,330			$	396,448,006			$	9,613,865
Non-performing accounts			5,889,676				57,331				4,470,426				41,083
Total		$	425,896,471			$	11,175,661			$	391,977,580			$	9,654,948
Chapter 13 bankrupt accounts			3,406,706				27,458				1,802,820				11,922
Finance receivables, gross contract		$	429,303,240			$	11,203,119			$	393,780,400			$	9,666,870

Schedule of information regarding delinquency rates

Contracts		Gross Balance Outstanding				31 – 60 days				61 – 90 days				Over 90 days				Total
June 30, 2014		$	425,896,471			$	16,433,351			$	4,346,201			$	1,543,475			$	22,323,027
							3.86	%			1.02	%			0.36	%			5.24	%
June 30, 2013		$	391,977,580			$	12,506,882			$	3,138,575			$	1,331,851			$	16,977,308
							3.19	%			0.80	%			0.34	%			4.33	%
Direct Loans		Gross Balance Outstanding				31 – 60 days				61 – 90 days				Over 90 days				Total
June 30, 2014		$	11,175,661			$	183,159			$	41,491			$	15,840			$	240,490
							1.64	%			0.37	%			0.14	%			2.15	%
June 30, 2013		$	9,654,948			$	79,552			$	27,046			$	14,037			$	120,635
							0.82	%			0.28	%			0.15	%			1.25	%

Contracts

Accounts, Notes, Loans and Financing Receivable [Line Items]

Schedule of reconciliation of the changes in the allowance for credit losses

		Three months ended June 30,
		2014				2013
Balance at beginning of period		$	12,889,082			$	16,090,652
Current period provision			4,073,398				2,494,430
Losses absorbed			(4,849,623	)			(4,648,976	)
Recoveries			821,048				875,067
Balance at end of period		$	12,933,905			$	14,811,173

Direct Loans

Accounts, Notes, Loans and Financing Receivable [Line Items]

Schedule of reconciliation of the changes in the allowance for credit losses

		Three months ended June 30,
		2014				2013
Balance at beginning of period		$	590,278			$	467,917
Current period provision			158,418				147,361
Losses absorbed			(54,101	)			(27,586	)
Recoveries			12,365				4,189
Balance at end of period		$	706,960			$	591,881

X

- Definition

Tabular disclosure of information regarding delinquency rates.

+ References

No definition available.

+ Details

Name:	nick_ScheduleOfInformationRegardingDelinquencyRatesTableTextBlock
Namespace Prefix:	nick_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Details

Name:	us-gaap_AccountsNotesAndLoansReceivableLineItems
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration

X

- 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

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/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 29

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953659-111524



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 55

-Paragraph 19

-URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525

+ Details

Name:	us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
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://www.xbrl.org/2003/role/presentationRef

-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=6877327&loc=d3e13212-122682



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 02

-Paragraph 3, 4

-Article 5

+ Details

Name:	us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration