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Finance Assets (Tables)
 12 Months Ended
Dec. 31, 2015
Receivables [Abstract]  
Financing Receivables
Finance receivables at December 31, 2015 and 2014 consisted of the following:
 
December 31, 2015
 
December 31, 2014
 
North America
 
International
 
Total
 
North America
 
International
 
Total
Sales-type lease receivables
 

 
 

 
 

 
 
 
 
 
 
Gross finance receivables
$
1,212,390

 
$
308,099

 
$
1,520,489

 
$
1,286,624

 
$
366,669

 
$
1,653,293

Unguaranteed residual values
100,000

 
15,709

 
115,709

 
105,205

 
18,291

 
123,496

Unearned income
(252,522
)
 
(68,965
)
 
(321,487
)
 
(270,196
)
 
(83,110
)
 
(353,306
)
Allowance for credit losses
(6,735
)
 
(3,614
)
 
(10,349
)
 
(10,281
)
 
(5,129
)
 
(15,410
)
Net investment in sales-type lease receivables
1,053,133

 
251,229

 
1,304,362

 
1,111,352

 
296,721

 
1,408,073

Loan receivables
 

 
 

 
 

 
 

 
 

 
 

Loan receivables
363,672

 
41,604

 
405,276

 
376,987

 
47,665

 
424,652

Allowance for credit losses
(9,896
)
 
(1,518
)
 
(11,414
)
 
(10,912
)
 
(1,788
)
 
(12,700
)
Net investment in loan receivables
353,776

 
40,086

 
393,862

 
366,075

 
45,877

 
411,952

Net investment in finance receivables
$
1,406,909

 
$
291,315

 
$
1,698,224

 
$
1,477,427

 
$
342,598

 
$
1,820,025
Schedule of Financing Receivables, Minimum Payments
Maturities of gross sales-type lease finance receivables at December 31, 2015 were as follows:
 
Sales-type Lease Receivables
 
North America
 
International
 
Total
2016
$
551,403

 
$
122,350

 
$
673,753

2017
340,562

 
87,141

 
427,703

2018
200,836

 
56,907

 
257,743

2019
91,091

 
31,073

 
122,164

2020
23,320

 
9,274

 
32,594

Thereafter
5,178

 
1,354

 
6,532

Total
$
1,212,390

 
$
308,099

 
$
1,520,489
Allowance For Credit Losses On Financing Receivables
Activity in the allowance for credit losses for the years ended December 31, 2015, 2014 and 2013 was as follows:
 
Sales-type Lease Receivables
 
Loan Receivables
 
 
 
North
America
 
International
 
North
America
 
International
 
Total
Balance at December 31, 2012
$
16,979

 
$
8,662

 
$
12,322

 
$
2,131

 
$
40,094

Amounts charged to expense
4,584

 
4,553

 
9,663

 
1,254

 
20,054

Accounts written off
(7,398
)
 
(3,512
)
 
(10,820
)
 
(1,469
)
 
(23,199
)
Balance at December 31, 2013
14,165

 
9,703

 
11,165

 
1,916

 
36,949

Amounts charged to expense
4,346

 
866

 
10,237

 
1,626

 
17,075

Accounts written off
(8,230
)
 
(5,440
)
 
(10,490
)
 
(1,754
)
 
(25,914
)
Balance at December 31, 2014
10,281

 
5,129

 
10,912

 
1,788

 
28,110

Amounts charged to expense
1,189

 
890

 
8,286

 
1,023

 
11,388

Accounts written off
(4,735
)
 
(2,405
)
 
(9,302
)
 
(1,293
)
 
(17,735
)
Balance at December 31, 2015
$
6,735

 
$
3,614

 
$
9,896

 
$
1,518

 
$
21,763
Past Due Financing Receivables
The aging of finance receivables at December 31, 2015 and 2014 was as follows:
 
Sales-type Lease Receivables
 
Loan Receivables
 
 
 
North
America
 
International
 
North
America
 
International
 
Total
December 31, 2015
 

 
 

 
 

 
 

 
 

Less than 30 days
$
1,147,455

 
$
291,777

 
$
348,730

 
$
39,259

 
$
1,827,221

31 - 60 days
27,037

 
7,496

 
8,010

 
1,435

 
43,978

61 - 90 days
18,740

 
3,744

 
3,312

 
423

 
26,219

> 90 days
19,158

 
5,082

 
3,620

 
487

 
28,347

Total
$
1,212,390

 
$
308,099

 
$
363,672

 
$
41,604

 
$
1,925,765

Past due amounts > 90 days
 

 
 

 
 

 
 

 
 

Still accruing interest
$
5,041

 
$
1,617

 
$
—

 
$
—

 
$
6,658

Not accruing interest
14,117

 
3,465

 
3,620

 
487

 
21,689

Total
$
19,158

 
$
5,082

 
$
3,620

 
$
487

 
$
28,347

 
Sales-type Lease Receivables
 
Loan Receivables
 
 
 
North
America
 
International
 
North
America
 
International
 
Total
December 31, 2014
 

 
 

 
 

 
 

 
 

Less than 30 days
$
1,217,623

 
$
347,236

 
$
359,672

 
$
45,678

 
$
1,970,209

31 - 60 days
23,242

 
6,207

 
9,245

 
1,201

 
39,895

61 - 90 days
24,198

 
4,494

 
3,498

 
413

 
32,603

> 90 days
21,561

 
8,732

 
4,572

 
373

 
35,238

Total
$
1,286,624

 
$
366,669

 
$
376,987

 
$
47,665

 
$
2,077,945

Past due amounts > 90 days
 

 
 

 
 

 
 

 
 

Still accruing interest
$
5,931

 
$
2,517

 
$
—

 
$
—

 
$
8,448

Not accruing interest
15,630

 
6,215

 
4,572

 
373

 
26,790

Total
$
21,561

 
$
8,732

 
$
4,572

 
$
373

 
$
35,238
Financing Receivable Credit Quality Indicators
The table below shows the North America portfolio at December 31, 2015 and 2014 by relative risk class (low, medium, high) based on the relative scores of the accounts within each class. The relative scores are determined based on a number of factors, including the company type, ownership structure, payment history and financial information. A fourth class is shown for accounts that are not scored. Absence of a score is not indicative of the credit quality of the account. The degree of risk, as defined by the third party, refers to the relative risk that an account in the next 12 month period may become delinquent.
•
Low risk accounts are companies with very good credit scores and are considered to approximate the top 30% of all commercial borrowers.
•
Medium risk accounts are companies with average to good credit scores and are considered to approximate the middle 40% of all commercial borrowers.
•
High risk accounts are companies with poor credit scores, are delinquent or are at risk of becoming delinquent and are considered to approximate the bottom 30% of all commercial borrowers.
 
December 31,
 
2015
 
2014
Sales-type lease receivables
 

 
 

Low
$
926,387

 
$
936,979

Medium
192,645

 
230,799

High
37,573

 
45,202

Not Scored
55,785

 
73,644

Total
$
1,212,390

 
$
1,286,624

Loan receivables
 

 
 

Low
$
260,204

 
$
259,436

Medium
85,671

 
96,243

High
10,810

 
10,913

Not Scored
6,987

 
10,395

Total
$
363,672

 
$
376,987