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Finance Receivables (Tables)
 12 Months Ended
Dec. 31, 2014
Receivables [Abstract]  
Finance Receivables
Finance receivables, net at December 31 for the past five years were as follows (in thousands): 
 
 
2014
 
2013
 
2012
 
2011
 
2010
Wholesale
 
 
 
 
 
 
 
 
 
 
United States
 
$
903,380

 
$
800,491

 
$
776,633

 
$
778,320

 
$
735,481

Canada
 
48,941

 
44,721

 
39,771

 
46,320

 
78,516

Total wholesale
 
952,321

 
845,212

 
816,404

 
824,640

 
813,997

Retail
 
 
 
 
 
 
 
 
 
 
United States
 
5,398,006

 
5,051,245

 
4,850,450

 
4,858,781

 
5,126,699

Canada
 
209,918

 
213,799

 
222,665

 
228,709

 
250,462

Total retail
 
5,607,924

 
5,265,044

 
5,073,115

 
5,087,490

 
5,377,161

 
 
6,560,245

 
6,110,256

 
5,889,519

 
5,912,130

 
6,191,158

Allowance for credit losses
 
(127,364
)
 
(110,693
)
 
(107,667
)
 
(125,449
)
 
(173,589
)
Total finance receivables, net
 
$
6,432,881

 
$
5,999,563

 
$
5,781,852

 
$
5,786,681

 
$
6,017,569
Contractual Maturities Of Finance Receivables
On December 31, 2014, contractual maturities of finance receivables were as follows (in thousands): 
 
 
United States
 
Canada
 
Total
2015
 
$
1,856,097

 
$
86,518

 
$
1,942,615

2016
 
1,029,075

 
40,378

 
1,069,453

2017
 
1,155,891

 
45,041

 
1,200,932

2018
 
1,259,696

 
50,243

 
1,309,939

2019
 
953,581

 
36,679

 
990,260

Thereafter
 
47,046

 
—

 
47,046

Total
 
$
6,301,386

 
$
258,859

 
$
6,560,245
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): 
 
 
2014
Retail
 
Wholesale
 
Total
Balance, beginning of period
 
$
106,063

 
$
4,630

 
$
110,693

Provision for credit losses
 
80,237

 
709

 
80,946

Charge-offs
 
(102,831
)
 
—

 
(102,831
)
Recoveries
 
38,556

 
—

 
38,556

Balance, end of period
 
$
122,025

 
$
5,339

 
$
127,364


 
 
 
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


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): 
 
 
2014
 
 
Retail
 
Wholesale
 
Total
Allowance for credit losses, ending balance:
 
 
 
 
 
 
Individually evaluated for impairment
 
$
—

 
$
—

 
$
—

Collectively evaluated for impairment
 
122,025

 
5,339

 
127,364

Total allowance for credit losses
 
$
122,025

 
$
5,339

 
$
127,364

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

 
$
—

 
$
—

Collectively evaluated for impairment
 
5,607,924

 
952,321

 
6,560,245

Total finance receivables
 
$
5,607,924

 
$
952,321

 
$
6,560,245

 
 
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
Past Due Financing Receivables
An analysis of the aging of past due finance receivables at December 31 was as follows (in thousands): 
 
 
2014
 
 
Current
 
31-60 Days
Past Due
 
61-90 Days
Past Due
 
Greater than
90 Days
Past Due
 
Total
Past Due
 
Total
Finance
Receivables
Retail
 
$
5,427,719

 
$
113,007

 
$
38,486

 
$
28,712

 
$
180,205

 
$
5,607,924

Wholesale
 
951,660

 
383

 
72

 
206

 
661

 
952,321

Total
 
$
6,379,379

 
$
113,390

 
$
38,558

 
$
28,918

 
$
180,866

 
$
6,560,245


 
 
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


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): 
 
 
2014
 
2013
 
2012
 
2011
 
2010
United States
 
$
27,800

 
$
23,770

 
$
26,500

 
$
27,171

 
$
34,391

Canada
 
1,118

 
1,031

 
1,533

 
1,207

 
1,351

Total
 
$
28,918

 
$
24,801

 
$
28,033

 
$
28,378

 
$
35,742
Financing Receivable Credit Quality Indicators
The recorded investment of wholesale finance receivables, by internal credit quality indicator, at December 31 was as follows (in thousands): 
 
 
2014
 
2013
Doubtful
 
$
954

 
$
—

Substandard
 
7,025

 
8,383

Special Mention
 
—

 
2,076

Medium Risk
 
11,557

 
5,205

Low Risk
 
932,785

 
829,548

Total
 
$
952,321

 
$
845,212

The recorded investment of retail finance receivables, by credit quality indicator, at December 31 was as follows (in thousands): 
 
 
2014
 
2013
Prime
 
$
4,435,352

 
$
4,141,559

Sub-prime
 
1,172,572

 
1,123,485

Total
 
$
5,607,924

 
$
5,265,044