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Finance Receivables (Tables)
 12 Months Ended
Dec. 31, 2013
Receivables [Abstract]  
Finance Receivables
Finance receivables, net at December 31 for the past five years were as follows (in thousands): 
 
 
2013
 
2012
 
2011
 
2010
 
2009
Wholesale
 
 
 
 
 
 
 
 
 
 
United States
 
$
800,491

 
$
776,633

 
$
778,320

 
$
735,481

 
$
787,891

Canada
 
44,721

 
39,771

 
46,320

 
78,516

 
82,110

Total wholesale
 
845,212

 
816,404

 
824,640

 
813,997

 
870,001

Retail
 
 
 
 
 
 
 
 
 
 
United States
 
5,051,245

 
4,850,450

 
4,858,781

 
5,126,699

 
3,835,235

Canada
 
213,799

 
222,665

 
228,709

 
250,462

 
256,658

Total retail
 
5,265,044

 
5,073,115

 
5,087,490

 
5,377,161

 
4,091,893

 
 
6,110,256

 
5,889,519

 
5,912,130

 
6,191,158

 
4,961,894

Allowance for credit losses
 
(110,693
)
 
(107,667
)
 
(125,449
)
 
(173,589
)
 
(150,082
)
 
 
5,999,563

 
5,781,852

 
5,786,681

 
6,017,569

 
4,811,812

Investment in retained securitization interests
 
—

 
—

 
—

 
—

 
245,350

 
 
$
5,999,563

 
$
5,781,852

 
$
5,786,681

 
$
6,017,569

 
$
5,057,162
Contractual Maturities Of Finance Receivables
On December 31, 2013, contractual maturities of finance receivables were as follows (in thousands): 
 
 
United States
 
Canada
 
Total
2014
 
$
1,713,839

 
$
82,762

 
$
1,796,601

2015
 
990,463

 
40,957

 
1,031,420

2016
 
1,116,609

 
45,882

 
1,162,491

2017
 
1,127,536

 
51,399

 
1,178,935

2018
 
838,574

 
37,520

 
876,094

Thereafter
 
64,715

 
—

 
64,715

Total
 
$
5,851,736

 
$
258,520

 
$
6,110,256
Changes In The Allowance For Finance Credit Losses On Finance Receivables
Changes in the allowance for credit losses on finance receivables by portfolio for the year ended December 31 were as follows (in thousands): 
 
 
2013
Retail
 
Wholesale
 
Total
Balance, beginning of period
 
$
101,442

 
$
6,225

 
$
107,667

Provision for credit losses
 
61,603

 
(1,595
)
 
60,008

Charge-offs
 
(97,928
)
 
—

 
(97,928
)
Recoveries
 
40,946

 
—

 
40,946

Balance, end of period
 
$
106,063

 
$
4,630

 
$
110,693


 
 
 
2012
Retail
 
Wholesale
 
Total
Balance, beginning of period
 
$
116,112

 
$
9,337

 
$
125,449

Provision for credit losses
 
25,252

 
(3,013
)
 
22,239

Charge-offs
 
(86,963
)
 
(99
)
 
(87,062
)
Recoveries
 
47,041

 
—

 
47,041

Balance, end of period
 
$
101,442

 
$
6,225

 
$
107,667


 
 
 
2011
Retail
 
Wholesale
 
Total
Balance, beginning of period
 
$
157,791

 
$
15,798

 
$
173,589

Provision for credit losses
 
23,054

 
(6,023
)
 
17,031

Charge-offs
 
(118,993
)
 
(503
)
 
(119,496
)
Recoveries
 
54,260

 
65

 
54,325

Balance, end of period
 
$
116,112

 
$
9,337

 
$
125,449



The allowance for credit losses and finance receivables by portfolio, segregated by those amounts that are individually evaluated for impairment and those that are collectively evaluated for impairment, at December 31 were as follows (in thousands): 
 
 
2013
 
 
Retail
 
Wholesale
 
Total
Allowance for credit losses, ending balance:
 
 
 
 
 
 
Individually evaluated for impairment
 
$
—

 
$
—

 
$
—

Collectively evaluated for impairment
 
106,063

 
4,630

 
110,693

Total allowance for credit losses
 
$
106,063

 
$
4,630

 
$
110,693

Finance receivables, ending balance:
 
 
 
 
 
 
Individually evaluated for impairment
 
$
—

 
$
—

 
$
—

Collectively evaluated for impairment
 
5,265,044

 
845,212

 
6,110,256

Total finance receivables
 
$
5,265,044

 
$
845,212

 
$
6,110,256

 
 
2012
 
 
Retail
 
Wholesale
 
Total
Allowance for credit losses, ending balance:
 
 
 
 
 
 
Individually evaluated for impairment
 
$
—

 
$
—

 
$
—

Collectively evaluated for impairment
 
101,442

 
6,225

 
107,667

Total allowance for credit losses
 
$
101,442

 
$
6,225

 
$
107,667

Finance receivables, ending balance:
 
 
 
 
 
 
Individually evaluated for impairment
 
$
—

 
$
—

 
$
—

Collectively evaluated for impairment
 
5,073,115

 
816,404

 
5,889,519

Total finance receivables
 
$
5,073,115

 
$
816,404

 
$
5,889,519
Past Due Financing Receivables
An analysis of the aging of past due finance receivables at December 31 was as follows (in thousands): 
 
 
2013
 
 
Current
 
31-60 Days
Past Due
 
61-90 Days
Past Due
 
Greater than
90 Days
Past Due
 
Total
Past Due
 
Total
Finance
Receivables
Retail
 
$
5,094,615

 
$
109,806

 
$
36,029

 
$
24,594

 
$
170,429

 
$
5,265,044

Wholesale
 
844,033

 
791

 
181

 
207

 
1,179

 
845,212

Total
 
$
5,938,648

 
$
110,597

 
$
36,210

 
$
24,801

 
$
171,608

 
$
6,110,256


 
 
 
2012
 
 
Current
 
31-60 Days
Past Due
 
61-90 Days
Past Due
 
Greater than
90 Days
Past Due
 
Total
Past Due
 
Total
Finance
Receivables
Retail
 
$
4,894,675

 
$
113,604

 
$
37,239

 
$
27,597

 
$
178,440

 
$
5,073,115

Wholesale
 
814,706

 
984

 
278

 
436

 
1,698

 
816,404

Total
 
$
5,709,381

 
$
114,588

 
$
37,517

 
$
28,033

 
$
180,138

 
$
5,889,519



The recorded investment of retail and wholesale finance receivables, excluding non-accrual status finance receivables, that were contractually past due 90 days or more at December 31 for the past five years was as follows (in thousands): 
 
 
2013
 
2012
 
2011
 
2010
 
2009
United States
 
$
23,770

 
$
26,500

 
$
27,171

 
$
34,391

 
$
24,629

Canada
 
1,031

 
1,533

 
1,207

 
1,351

 
2,161

Total
 
$
24,801

 
$
28,033

 
$
28,378

 
$
35,742

 
$
26,790
Financing Receivable Credit Quality Indicators
The recorded investment of retail finance receivables, by credit quality indicator, at December 31 was as follows (in thousands): 
 
 
2013
 
2012
Prime
 
$
4,141,559

 
$
4,035,584

Sub-prime
 
1,123,485

 
1,037,531

Total
 
$
5,265,044

 
$
5,073,115

The recorded investment of wholesale finance receivables, by internal credit quality indicator, at December 31 was as follows (in thousands): 
 
 
2013
 
2012
Doubtful
 
$
—

 
$
8,107

Substandard
 
8,383

 
2,593

Special Mention
 
2,076

 
3,504

Medium Risk
 
5,205

 
8,451

Low Risk
 
829,548

 
793,749

Total
 
$
845,212

 
$
816,404