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Finance Receivables (Tables)

6 Months Ended

Sep. 30, 2016

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

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

		(In thousands)
		September 30,				March 31,
		2016				2016
Finance receivables, gross contract		$	499,814			$	498,130
Unearned interest			(156,360	)			(155,257	)
Finance receivables, net of unearned interest			343,454				342,873
Unearned dealer discounts			(17,028	)			(18,023	)
Finance receivables, net of unearned interest and unearned dealer discounts			326,426				324,850
Allowance for credit losses			(13,699	)			(13,013	)
Finance receivables, net		$	312,727			$	311,837

Schedule of information on the entire portfolio

		As of September 30,
		2016				2015
Contract Portfolio
Weighted APR			22.53	%			22.77	%
Weighted average discount			7.39	%			8.01	%
Weighted average term (months)			57				55
Number of active contracts			37,383				38,124

		As of September 30,
		2016				2015
Direct Loan Portfolio
Weighted APR			25.72	%			25.81	%
Weighted average term (months)			33				32
Number of active contracts			2,965				3,099

Schedule of an assessment of the credit quality by creditworthiness

		(In thousands)
		September 30, 2016								September 30, 2015
		Contracts				Direct Loans				Contracts				Direct Loans
Performing accounts		$	466,515			$	10,930			$	466,911			$	11,619
Non-performing accounts			17,964				158				8,178				54
Total		$	484,479			$	11,088			$	475,089			$	11,673
Chapter 13 bankruptcy accounts			4,204				44				4,269				33
Finance receivables, gross contract		$	488,683			$	11,132			$	479,358			$	11,706

Schedule of information regarding delinquency rates

(In thousands)
Contracts		Gross Balance Outstanding				31 – 60 days				61 – 90 days				Over 90 days				Total
September 30, 2016		$	484,479			$	29,327			$	10,654			$	7,310			$	47,291
							6.05	%			2.20	%			1.51	%			9.76	%
September 30, 2015		$	475,089			$	19,746			$	5,603			$	2,575			$	27,924
							4.16	%			1.18	%			0.54	%			5.88	%
Direct Loans		Gross Balance Outstanding				31 – 60 days				61 – 90 days				Over 90 days				Total
September 30, 2016		$	11,088			$	296			$	87			$	71			$	454
							2.67	%			0.78	%			0.64	%			4.09	%
September 30, 2015		$	11,673			$	156			$	28			$	26			$	210
							1.34	%			0.24	%			0.22	%			1.80	%

Contracts

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

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

		Three months ended September 30, (In thousands)								Six months ended September 30, (In thousands)
		2016				2015				2016				2015
Balance at beginning of period		$	12,836			$	11,524			$	12,265			$	11,325
Current period provision			8,067				6,079				15,022				10,965
Losses absorbed			(8,576	)			(7,347	)			(15,568	)			(12,869	)
Recoveries			598				699				1,206				1,534
Balance at end of period		$	12,925			$	10,955			$	12,925			$	10,955

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 September 30, (In thousands)								Six months ended September 30, (In thousands)
		2016				2015				2016				2015
Balance at beginning of period		$	764			$	755			$	748			$	703
Current period provision			77				99				148				202
Losses absorbed			(72	)			(81	)			(144	)			(140	)
Recoveries			5				7				22				15
Balance at end of period		$	774			$	780			$	774			$	780

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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

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-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
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+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 820
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-Section 50
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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 55
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-URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525

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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.

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-Name Accounting Standards Codification
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