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Finance Receivables (Tables)

6 Months Ended

Sep. 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)
		September 30,				March 31,
		2017				2017
Finance receivables, gross contract		$	470,637			$	512,720
Unearned interest			(144,249	)			(160,853	)
Finance receivables, net of unearned interest			326,388				351,867
Unearned dealer discounts			(14,983	)			(17,004	)
Finance receivables, net of unearned interest and unearned dealer discounts			311,405				334,863
Allowance for credit losses			(20,749	)			(17,658	)
Finance receivables, net		$	290,656			$	317,205

Schedule of information on the entire portfolio

		As of September 30,
		2017				2016
Contract Portfolio
Weighted APR			22.28	%			22.53	%
Weighted average discount			7.32	%			7.39	%
Weighted average term (months)			57				57
Number of active contracts			34,935				37,383

		As of September 30,
		2017				2016
Direct Loan Portfolio
Weighted APR			25.29	%			25.72	%
Weighted average term (months)			33				33
Number of active contracts			2,721				2,965

Schedule of an assessment of the credit quality by creditworthiness

		(In thousands)
		September 30, 2017								September 30, 2016
		Contracts				Direct Loans				Contracts				Direct Loans
Performing accounts		$	430,269			$	10,290			$	466,515			$	10,930
Non-performing accounts			25,866				276				17,964				158
Total		$	456,135			$	10,566			$	484,479			$	11,088
Chapter 13 bankruptcy accounts			3,901				35				4,204				44
Finance receivables, gross contract		$	460,036			$	10,601			$	488,683			$	11,132

Schedule of information regarding delinquency rates

(In thousands, except percentages)

Contracts		Gross Balance Outstanding				31 – 60 days				61 – 90 days				91 – 120 days				Over 120				Total
September 30, 2017		$	456,135			$	27,260			$	13,022			$	7,501			$	5,343			$	53,126
							5.98	%			2.85	%			1.65	%			1.17	%			11.65	%
September 30, 2016		$	484,479			$	29,327			$	10,654			$	5,249			$	2,061			$	47,291
							6.05	%			2.20	%			1.08	%			0.43	%			9.76	%
Direct Loans		Gross Balance Outstanding				31 – 60 days				61 – 90 days				91 – 120 days				Over 120				Total
September 30, 2017		$	10,566			$	273			$	59			$	71			$	146			$	549
							2.59	%			0.56	%			0.67	%			1.38	%			5.20	%
September 30, 2016		$	11,088			$	296			$	87			$	54			$	17			$	454
							2.67	%			0.78	%			0.49	%			0.15	%			4.09	%

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)
		2017				2016				2017				2016
Balance at beginning of period		$	18,379			$	12,836			$	16,885			$	12,265
Current period provision			10,022				8,067				19,680				15,022
Losses absorbed			(8,936	)			(8,576	)			(17,628	)			(15,568	)
Recoveries			502				598				1,030				1,206
Balance at end of period		$	19,967			$	12,925			$	19,967			$	12,925

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)
		2017				2016				2017				2016
Balance at beginning of period		$	774			$	764			$	773			$	748
Current period provision			124				77				218				148
Losses absorbed			(122	)			(72	)			(223	)			(144	)
Recoveries			6				5				14				22
Balance at end of period		$	782			$	774			$	782			$	774

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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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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
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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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