Significant Accounting Policies and Consolidated Financial Statement Components Troubled Debt Restructuring (Tables)

3 Months Ended

Mar. 31, 2018

Troubled Debt Restructuring [Abstract]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

The following table details by class of receivable, the number and amount of modified loans, including TDRs that have been re-aged, of March 31, 2018 and December 31, 2017:

	As of
	March 31, 2018				December 31, 2017
	Point-of-sale		Direct-to-consumer		Point-of-sale		Direct-to-consumer
Number of accounts on non-accrual status	11,711		8,650		11,432		6,681
Number of accounts on non-accrual status above that have been re-aged	1,135		157		915		80
Amount of receivables on non-accrual status (in thousands)	$	17,388	$	8,778	$	17,169	$	7,067
Amount of receivables on non-accrual status above that have been re-aged (in thousands)	$	2,048	$	171	$	1,570	$	86
Carrying value of receivables on non-accrual status (in thousands)	$	5,431	$	1,365	$	4,247	$	1,173
TDRs - Performing (carrying value, in thousands)*	$	3,563	$	856	$	2,368	$	508
TDRs - Nonperforming (carrying value, in thousands)*	$	1,868	$	509	$	1,879	$	665

*“TDRs - Performing” include accounts that are current on all amounts owed, while “TDRs - Nonperforming” include all accounts with past due amounts owed.

Given that the above TDRs have a high reserve rate prior to modification as TDRs, we do not separately reserve or impair these receivables outside of our general reserve process.

The following table details by class of receivable, the number of accounts and carrying value of loans that completed a modification (including those that were classified as TDRs) within the prior twelve months and subsequently charged off.

	Twelve Months Ended
	March 31, 2018				March 31, 2017
	Point-of-Sale		Direct-to-Consumer		Point-of-Sale	Direct-to-Consumer
Number of accounts	1,881		868		1,617	654
Loan balance at time of charge off (in thousands)	$	2,885	$	1,845	$1,860	$1,906