Finance Assets (Tables)

9 Months Ended

Sep. 30, 2017

Receivables [Abstract]

Financing Receivables

Finance receivables at September 30, 2017 and December 31, 2016 consisted of the following:

	September 30, 2017									December 31, 2016
	North America			International			Total			North America			International			Total
Sales-type lease receivables
Gross finance receivables	$	1,023,206		$	284,099		$	1,307,305		$	1,088,053		$	273,262		$	1,361,315
Unguaranteed residual values	75,242			14,301			89,543			90,190			13,655			103,845
Unearned income	(213,852		)	(62,343		)	(276,195		)	(223,908		)	(60,458		)	(284,366		)
Allowance for credit losses	(7,103		)	(2,768		)	(9,871		)	(8,247		)	(2,647		)	(10,894		)
Net investment in sales-type lease receivables	877,493			233,289			1,110,782			946,088			223,812			1,169,900
Loan receivables
Loan receivables	339,726			34,456			374,182			374,147			32,716			406,863
Allowance for credit losses	(6,960		)	(1,089		)	(8,049		)	(8,517		)	(1,089		)	(9,606		)
Net investment in loan receivables	332,766			33,367			366,133			365,630			31,627			397,257
Net investment in finance receivables	$	1,210,259		$	266,656		$	1,476,915		$	1,311,718		$	255,439		$	1,567,157

Allowance for Credit Losses on Financing Receivables

Activity in the allowance for credit losses for the nine months ended September 30, 2017 and 2016 was as follows:

	Sales-type Lease Receivables						Loan Receivables
	North America			International			North America			International			Total
Balance at January 1, 2017	$	8,247		$	2,647		$	8,517		$	1,089		$	20,500
Amounts charged to expense	7,807			895			3,892			438			13,032
Write-offs and other	(8,951		)	(774		)	(5,449		)	(438		)	(15,612		)
Balance at September 30, 2017	$	7,103		$	2,768		$	6,960		$	1,089		$	17,920
	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

Past Due Financing Receivables

The aging of gross finance receivables at September 30, 2017 and December 31, 2016 was as follows:

	September 30, 2017
	Sales-type Lease Receivables				Loan Receivables
	North America		International		North America		International		Total
1 - 90 days	$	970,891	$	279,517	$	331,233	$	34,224	$	1,615,865
> 90 days	52,315		4,582		8,493		232		65,622
Total	$	1,023,206	$	284,099	$	339,726	$	34,456	$	1,681,487
Past due amounts > 90 days
Still accruing interest	$	6,726	$	1,781	$	—	$	—	$	8,507
Not accruing interest	45,589		2,801		8,493		232		57,115
Total	$	52,315	$	4,582	$	8,493	$	232	$	65,622

As of September 30, 2017, we had North America sales-type lease receivables aged greater than 90 days with a contract value of $52 million. As of October 31, 2017, we received payments with a contract value of approximately $23 million related to these receivables.

	December 31, 2016
	Sales-type Lease Receivables				Loan Receivables
	North America		International		North America		International		Total
1 - 90 days	$	1,025,313	$	269,247	$	366,726	$	32,420	$	1,693,706
> 90 days	62,740		4,015		7,421		296		74,472
Total	$	1,088,053	$	273,262	$	374,147	$	32,716	$	1,768,178
Past due amounts > 90 days
Still accruing interest	$	8,831	$	972	$	—	$	—	$	9,803
Not accruing interest	53,909		3,043		7,421		296		64,669
Total	$	62,740	$	4,015	$	7,421	$	296	$	74,472

Financing Receivable Credit Quality Indicators

	September 30, 2017		December 31, 2016
Sales-type lease receivables
Low	$	817,332	$	879,823
Medium	136,995		135,953
High	21,528		22,600
Not Scored	47,351		49,677
Total	$	1,023,206	$	1,088,053
Loan receivables
Low	$	263,537	$	296,598
Medium	52,630		53,647
High	6,897		7,216
Not Scored	16,662		16,686
Total	$	339,726	$	374,147