Finance Assets (Tables)

9 Months Ended

Sep. 30, 2016

Receivables [Abstract]

Financing Receivables

Finance receivables at September 30, 2016 and December 31, 2015 consisted of the following:

	September 30, 2016									December 31, 2015
	North America			International			Total			North America			International			Total
Sales-type lease receivables
Gross finance receivables	$	1,083,873		$	287,519		$	1,371,392		$	1,157,189		$	303,854		$	1,461,043
Unguaranteed residual values	95,618			14,701			110,319			100,000			15,709			115,709
Unearned income	(228,709		)	(63,599		)	(292,308		)	(247,854		)	(68,965		)	(316,819		)
Allowance for credit losses	(6,054		)	(2,587		)	(8,641		)	(6,606		)	(3,542		)	(10,148		)
Net investment in sales-type lease receivables	944,728			236,034			1,180,762			1,002,729			247,056			1,249,785
Loan receivables
Loan receivables	365,725			37,547			403,272			399,193			41,604			440,797
Allowance for credit losses	(8,288		)	(1,196		)	(9,484		)	(10,024		)	(1,518		)	(11,542		)
Net investment in loan receivables	357,437			36,351			393,788			389,169			40,086			429,255
Net investment in finance receivables	$	1,302,165		$	272,385		$	1,574,550		$	1,391,898		$	287,142		$	1,679,040

Allowance for Credit Losses on Financing Receivables

Activity in the allowance for credit losses for the nine months ended September 30, 2016 and 2015 was as follows:

	Sales-type Lease Receivables						Loan Receivables
	North America			International			North America			International			Total
Balance at January 1, 2016	$	6,606		$	3,542		$	10,024		$	1,518		$	21,690
Amounts charged to expense	2,881			464			4,217			688			8,250
Write-offs and other	(3,433		)	(1,419		)	(5,953		)	(1,010		)	(11,815		)
Balance at September 30, 2016	$	6,054		$	2,587		$	8,288		$	1,196		$	18,125
	Sales-type Lease Receivables						Loan Receivables
	North America			International			North America			International			Total
Balance at January 1, 2015	$	10,125		$	5,024		$	11,068		$	1,788		$	28,005
Amounts charged to expense	793			183			6,180			867			8,023
Write-offs and other	(3,523		)	(1,711		)	(7,260		)	(1,005		)	(13,499		)
Balance at September 30, 2015	$	7,395		$	3,496		$	9,988		$	1,650		$	22,529

Past Due Financing Receivables

The aging of gross finance receivables at September 30, 2016 and December 31, 2015 was as follows:

	September 30, 2016
	Sales-type Lease Receivables				Loan Receivables
	North America		International		North America		International		Total
1 - 90 days	$	1,017,772	$	282,269	$	361,883	$	37,251	$	1,699,175
> 90 days	66,101		5,250		3,842		296		75,489
Total	$	1,083,873	$	287,519	$	365,725	$	37,547	$	1,774,664
Past due amounts > 90 days
Still accruing interest	$	10,447	$	1,748	$	—	$	—	$	12,195
Not accruing interest	55,654		3,502		3,842		296		63,294
Total	$	66,101	$	5,250	$	3,842	$	296	$	75,489

As of September 30, 2016, we had North America sales-type lease receivables aged greater than 90 days with a contract value of $66 million. As of October 30, 2016, we have received payments with a contract value of approximately $30 million related to these receivables.

	December 31, 2015
	Sales-type Lease Receivables				Loan Receivables
	North America		International		North America		International		Total
1 - 90 days	$	1,138,031	$	298,772	$	395,573	$	41,117	$	1,873,493
> 90 days	19,158		5,082		3,620		487		28,347
Total	$	1,157,189	$	303,854	$	399,193	$	41,604	$	1,901,840
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

Financing Receivable Credit Quality Indicators

	September 30, 2016		December 31, 2015
Sales-type lease receivables
Low	$	824,756	$	886,198
Medium	172,278		192,645
High	19,339		37,573
Not Scored	67,500		40,773
Total	$	1,083,873	$	1,157,189
Loan receivables
Low	$	278,210	$	295,725
Medium	70,052		85,671
High	6,648		10,810
Not Scored	10,815		6,987
Total	$	365,725	$	399,193