XML 48 R19.htm IDEA: XBRL DOCUMENT v2.4.1.9

Finance Receivables (Tables)

9 Months Ended

Dec. 31, 2014

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

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

		December 31,				March 31,
		2014				2014
Finance receivables, gross contract		$	447,456,954			$	424,344,193
Unearned interest			(134,947,560	)			(124,306,969	)
Finance receivables, net of unearned interest			312,509,394				300,037,224
Unearned dealer discounts			(17,535,048	)			(17,214,269	)
Finance receivables, net of unearned interest and unearned dealer discounts			294,974,346				282,822,955
Allowance for credit losses			(12,129,093	)			(13,479,360	)
Finance receivables, net		$	282,845,253			$	269,343,595

Schedule of an assessment of the credit quality by creditworthiness

		December 31, 2014								December 31, 2013
		Contracts				Direct Loans				Contracts				Direct Loans
Performing accounts		$	422,592,527			$	11,575,091			$	388,770,979			$	11,231,143
Non-performing accounts			9,284,558				105,818				7,011,853				69,933
Total		$	431,877,085			$	11,680,909			$	395,782,832			$	11,301,076
Chapter 13 bankrupt accounts			3,872,186				26,774				4,002,282				18,811
Finance receivables, gross contract		$	435,749,271			$	11,707,683			$	399,785,114			$	11,319,887

Schedule of information regarding delinquency rates

Contracts		Gross Balance Outstanding				31 – 60 days				61 – 90 days				Over 90 days				Total
December 31, 2014		$	431,877,085			$	21,749,891			$	6,103,607			$	3,180,951			$	31,034,449
							5.04	%			1.41	%			0.74	%			7.19	%
December 31, 2013		$	395,782,832			$	18,523,310			$	4,829,999			$	2,106,854			$	25,460,163
							4.68	%			1.22	%			0.53	%			6.43	%

Direct Loans		Gross Balance Outstanding				31 – 60 days				61 – 90 days				Over 90 days				Total
December 31, 2014		$	11,680,909			$	164,347			$	59,043			$	46,776			$	270,166
							1.41	%			0.51	%			0.40	%			2.31	%
December 31, 2013		$	11,301,076			$	176,446			$	40,887			$	29,046			$	246,379
							1.56	%			0.36	%			0.26	%			2.18	%

Contracts

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

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

		Three months ended December 31,								Nine months ended December 31,
		2014				2013				2014				2013
Balance at beginning of period		$	11,942,694			$	13,479,022			$	12,889,082			$	16,090,652
Current period provision			5,658,695				4,157,616				14,799,782				10,525,262
Losses absorbed			(6,948,034	)			(5,540,334	)			(18,844,447	)			(16,218,673	)
Recoveries			682,830				884,373				2,491,768				2,583,436
Balance at end of period		$	11,336,185			$	12,980,677			$	11,336,185			$	12,980,677

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 December 31,								Nine months ended December 31,
		2014				2013				2014				2013
Balance at beginning of period		$	734,500			$	659,615			$	590,278			$	467,917
Current period provision			137,953				25,419				382,916				272,668
Losses absorbed			(82,948	)			(56,424	)			(202,063	)			(126,997	)
Recoveries			3,403				9,172				21,777				24,194
Balance at end of period		$	792,908			$	637,782			$	792,908			$	637,782

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

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CustomerContractsMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type: