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Finance Receivables (Tables)
 12 Months Ended
Dec. 31, 2015
Receivables [Abstract]  
Finance Receivables
Finance receivables, net at December 31 for the past five years were as follows (in thousands): 
 
 
2015
 
2014
 
2013
 
2012
 
2011
Wholesale
 
 
 
 
 
 
 
 
 
 
United States
 
$
965,379

 
$
903,380

 
$
800,491

 
$
776,633

 
$
778,320

Canada
 
58,481

 
48,941

 
44,721

 
39,771

 
46,320

Total wholesale
 
1,023,860

 
952,321

 
845,212

 
816,404

 
824,640

Retail
 
 
 
 
 
 
 
 
 
 
United States
 
5,803,071

 
5,398,006

 
5,051,245

 
4,850,450

 
4,858,781

Canada
 
188,400

 
209,918

 
213,799

 
222,665

 
228,709

Total retail
 
5,991,471

 
5,607,924

 
5,265,044

 
5,073,115

 
5,087,490

 
 
7,015,331

 
6,560,245

 
6,110,256

 
5,889,519

 
5,912,130

Allowance for credit losses
 
(147,178
)
 
(127,364
)
 
(110,693
)
 
(107,667
)
 
(125,449
)
Total finance receivables, net
 
$
6,868,153

 
$
6,432,881

 
$
5,999,563

 
$
5,781,852

 
$
5,786,681
Contractual Maturities Of Finance Receivables
On December 31, 2015, contractual maturities of finance receivables were as follows (in thousands): 
 
 
United States
 
Canada
 
Total
2016
 
$
1,991,614

 
$
93,539

 
$
2,085,153

2017
 
1,104,233

 
37,415

 
1,141,648

2018
 
1,234,333

 
41,339

 
1,275,672

2019
 
1,379,791

 
45,673

 
1,425,464

2020
 
1,024,927

 
28,915

 
1,053,842

Thereafter
 
33,552

 
—

 
33,552

Total
 
$
6,768,450

 
$
246,881

 
$
7,015,331
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): 
 
 
2015
Retail
 
Wholesale
 
Total
Balance, beginning of period
 
$
122,025

 
$
5,339

 
$
127,364

Provision for credit losses
 
98,826

 
2,519

 
101,345

Charge-offs
 
(123,911
)
 
—

 
(123,911
)
Recoveries
 
42,380

 
—

 
42,380

Balance, end of period
 
$
139,320

 
$
7,858

 
$
147,178


 
 
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


There were no finance receivables individually evaluated for impairment on December 31, 2014 or 2015. The allowance for credit losses and finance receivables by portfolio collectively evaluated for impairment, at December 31 were as follows (in thousands): 
 
 
2015
 
 
Retail
 
Wholesale
 
Total
Allowance for credit losses, ending balance:
 
 
 
 
 
 
Individually evaluated for impairment
 
$
—

 
$
—

 
$
—

Collectively evaluated for impairment
 
139,320

 
7,858

 
147,178

Total allowance for credit losses
 
$
139,320

 
$
7,858

 
$
147,178

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

 
$
—

 
$
—

Collectively evaluated for impairment
 
5,991,471

 
1,023,860

 
7,015,331

Total finance receivables
 
$
5,991,471

 
$
1,023,860

 
$
7,015,331

 
 
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
Past Due Financing Receivables
An analysis of the aging of past due finance receivables at December 31 was as follows (in thousands): 
 
 
2015
 
 
Current
 
31-60 Days
Past Due
 
61-90 Days
Past Due
 
Greater than
90 Days
Past Due
 
Total
Past Due
 
Total
Finance
Receivables
Retail
 
$
5,796,003

 
$
118,996

 
$
43,680

 
$
32,792

 
$
195,468

 
$
5,991,471

Wholesale
 
1,022,365

 
888

 
530

 
77

 
1,495

 
1,023,860

Total
 
$
6,818,368

 
$
119,884

 
$
44,210

 
$
32,869

 
$
196,963

 
$
7,015,331


 
 
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


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): 
 
 
2015
 
2014
 
2013
 
2012
 
2011
United States
 
$
31,677

 
$
27,800

 
$
23,770

 
$
26,500

 
$
27,171

Canada
 
1,192

 
1,118

 
1,031

 
1,533

 
1,207

Total
 
$
32,869

 
$
28,918

 
$
24,801

 
$
28,033

 
$
28,378
Financing Receivable Credit Quality Indicators
The recorded investment of retail finance receivables, by credit quality indicator, at December 31 was as follows (in thousands): 
 
 
2015
 
2014
Prime
 
$
4,777,448

 
$
4,435,352

Sub-prime
 
1,214,023

 
1,172,572

Total
 
$
5,991,471

 
$
5,607,924

The recorded investment of wholesale finance receivables, by internal credit quality indicator, at December 31 was as follows (in thousands): 
 
 
2015
 
2014
Doubtful
 
$
5,169

 
$
954

Substandard
 
21,774

 
7,025

Special Mention
 
6,271

 
—

Medium Risk
 
11,494

 
11,557

Low Risk
 
979,152

 
932,785

Total
 
$
1,023,860

 
$
952,321