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Finance Receivables (Tables)

3 Months Ended

Jun. 30, 2017

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

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

		(In thousands)
		June 30, 2017				March 31, 2017
Finance receivables, gross contract		$	491,433			$	512,720
Unearned interest			(152,737	)			(160,853	)
Finance receivables, net of unearned interest			338,696				351,867
Unearned dealer discounts			(16,012	)			(17,004	)
Finance receivables, net of unearned interest and unearned dealer discounts			322,684				334,863
Allowance for credit losses			(19,153	)			(17,658	)
Finance receivables, net		$	303,531			$	317,205

Schedule of information on the entire portfolio

		As of June 30,
Contract Portfolio		2017				2016
Weighted APR			22.34	%			22.60	%
Weighted average discount			7.37	%			7.64	%
Weighted average term (months)			57				57
Number of active contracts			36,174				37,648
		As of June 30,
Direct Loan Portfolio		2017				2016
Weighted APR			25.47	%			25.72	%
Weighted average term (months)			33				33
Number of active contracts			2,774				2,973

Schedule of an assessment of the credit quality by creditworthiness

		(In thousands)
		June 30, 2017								June 30, 2016
		Contracts				Direct Loans				Contracts				Direct Loans
Performing accounts		$	450,814			$	10,298			$	472,424			$	10,965
Non-performing accounts			26,149				253				11,603				97
Total		$	476,963			$	10,551			$	484,027			$	11,062
Chapter 13 bankruptcy accounts			3,880				39				4,350				40
Finance receivables, gross contract		$	480,843			$	10,590			$	488,377			$	11,102

Schedule of information regarding delinquency rates

(In thousands)
Contracts		Gross Balance Outstanding				31 – 60 days				61 – 90 days				Over 90 days				Total
June 30, 2017		$	476,963			$	32,032			$	15,074			$	11,075			$	58,181
							6.72	%			3.16	%			2.32	%			12.20	%
June 30, 2016		$	484,027			$	25,445			$	8,027			$	3,576			$	37,048
							5.26	%			1.66	%			0.74	%			7.66	%
Direct Loans		Gross Balance Outstanding				31 – 60 days				61 – 90 days				Over 90 days				Total
June 30, 2017		$	10,551			$	310			$	102			$	151			$	563
							2.94	%			0.97	%			1.43	%			5.34	%
June 30, 2016		$	11,062			$	178			$	55			$	42			$	275
							1.61	%			0.50	%			0.38	%			2.49	%

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, (In thousands)
		2017				2016
Balance at beginning of period		$	16,885			$	12,265
Current period provision			9,658				6,955
Losses absorbed			(8,691	)			(6,992	)
Recoveries			527				608
Balance at end of period		$	18,379			$	12,836

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, (In thousands)
		2017				2016
Balance at beginning of period		$	773			$	748
Current period provision			94				71
Losses absorbed			(101	)			(72	)
Recoveries			8				17
Balance at end of period		$	774			$	764

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Tabular disclosure of information regarding delinquency rates.

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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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Tabular disclosure of quantitative information about the inputs used in the fair value measurement of assets. This disclosure may include, but is not limited to, the fair value of the asset, valuation technique used to measure fair value, the inputs used to measure fair value, the ranges of the inputs, and the weighted averages of the inputs.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 820
-SubTopic 10
-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
-Paragraph 19
-URI http://asc.fasb.org/extlink&oid=82894031&loc=SL6953803-111525

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-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
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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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-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
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