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Loans to Bank Customers (Tables)
3 Months Ended
Mar. 31, 2018
Loans and Leases Receivable Disclosure [Abstract]  
Past Due Financing Receivables
The following table presents total outstanding loans, gross of the related allowance for loan losses, and a summary of the related payment status:
 
30-59 Days Past Due
 
60-89 Days Past Due
 
90 Days or More Past Due
 
Total Past Due
 
Total Current or Less Than 30 Days Past Due
 
Total Outstanding
 
(In thousands)
March 31, 2018
 
Residential
$
2

 
$

 
$

 
$
2

 
$
4,122

 
$
4,124

Commercial

 

 

 

 
278

 
278

Installment

 

 

 

 
1,084

 
1,084

Secured credit card
1,007

 
968

 
308

 
2,283

 
12,395

 
14,678

Total loans
$
1,009


$
968

 
$
308

 
$
2,285

 
$
17,879

 
$
20,164

 
 
 
 
 
 
 
 
 
 
 
 
Percentage of outstanding
5.0
%
 
4.8
%
 
1.5
%
 
11.3
%
 
88.7
%
 
100.0
%
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2017
 
 
 
 
 
 
 
 
 
 
 
Residential
$

 
$

 
$

 
$

 
$
3,554

 
$
3,554

Commercial

 

 

 

 
315

 
315

Installment
1

 

 

 
1

 
1,378

 
1,379

Secured credit card
1,223

 
593

 
424

 
2,240

 
11,373

 
13,613

Total loans
$
1,224

 
$
593

 
$
424

 
$
2,241

 
$
16,620

 
$
18,861

 
 
 
 
 
 
 
 
 
 
 
 
Percentage of outstanding
6.5
%
 
3.1
%
 
2.3
%
 
11.9
%
 
88.1
%
 
100.0
%
The following table presents the carrying value, gross of the related allowance for loan losses, of our nonperforming loans. See Note 2 — Summary of Significant Accounting Policies to the Consolidated Financial Statements of our Annual Report on Form 10-K for the year ended December 31, 2017 for further information on the criteria for classification as nonperforming.
 
March 31, 2018
 
December 31, 2017
 
(In thousands)
Residential
$
485

 
$
502

Installment
187

 
191

Total loans
$
672

 
$
693

Financing Receivable Credit Quality Indicators
The table below presents the carrying value, gross of the related allowance for loan losses, of our loans within the primary credit quality indicators related to our loan portfolio:
 
March 31, 2018
 
December 31, 2017
 
Non-Classified
 
Classified
 
Non-Classified
 
Classified
 
(In thousands)
Residential
$
3,634

 
$
490

 
$
3,038

 
$
516

Commercial
249

 
29

 
315

 

Installment
678

 
406

 
1,059

 
320

Secured credit card
14,678

 

 
13,613

 

Total loans
$
19,239

 
$
925

 
$
18,025

 
$
836

Troubled Debt Restructurings
The following table presents our impaired loans and loans that we modified as TDRs as of March 31, 2018 and December 31, 2017:
 
March 31, 2018
 
December 31, 2017
 
Unpaid Principal Balance
 
Carrying Value
 
Unpaid Principal Balance
 
Carrying Value
 
(In thousands)
Residential
$
490

 
$
361

 
$
516

 
$
452

Commercial
29

 
28

 

 

Installment
223

 
101

 
262

 
120

Allowance for Loan Losses
Activity in the allowance for loan losses consisted of the following:
 
Three Months Ended March 31,
 
2018
 
2017
 
(In thousands)
Balance, beginning of period
$
291

 
$
277

Provision for loans
268

 

Loans charged off
(756
)
 
(5
)
Recoveries of loans previously charged off
648

 
9

Balance, end of period
$
451

 
$
281