Consumer Loans, Credit Quality Information And Allowances And Liabilities For Estimated Losses On Consumer Loans (Tables)

9 Months Ended

Sep. 30, 2014

Consumer Loans, Credit Quality Information And Allowances And Liabilities For Estimated Losses On Consumer Loans [Abstract]

Schedule Of Consumer Loan Fee Revenue

Consumer loan fee revenue generated from consumer loans for the three and nine months ended September 30, 2014 and 2013 was as follows (dollars in thousands):

	Three Months Ended				Nine Months Ended
	September 30,				September 30,
	2014		2013		2014		2013
Interest and fees on short-term loans	$	83,361	$	118,775	$	264,483	$	385,548
Interest and fees on line of credit accounts	80,909		50,504		228,840		102,021
Interest and fees on installment loans	65,165		58,284		195,633		152,630
Total consumer loan revenue	$	229,435	$	227,563	$	688,956	$	640,199

Components Of Company-Owned Consumer Loans And Receivables

The components of Company-owned consumer loan portfolio receivables as of September 30, 2014 and 2013 and December 31, 2013 were as follows (dollars in thousands):

	As of September 30, 2014
	Short-term Loans			Line of Credit Accounts			Installment Loans			Total
Current loans	$	69,389		$	118,329		$	180,650		$	368,368
Delinquent loans:
Delinquent payment amounts(a)	—			4,335			3,069			7,404
Loans on non-accrual status	24,412			5,611			17,699			47,722
Total delinquent loans	24,412			9,946			20,768			55,126
Total consumer loans, gross	93,801			128,275			201,418			423,494
Less: allowance for losses	(21,065		)	(22,673		)	(31,531		)	(75,269		)
Consumer loans, net	$	72,736		$	105,602		$	169,887		$	348,225
	As of September 30, 2013
	Short-term Loans			Line of Credit Accounts			Installment Loans			Total
Current loans	$	103,320		$	87,554		$	155,100		$	345,974
Delinquent loans:
Delinquent payment amounts(a)	—			2,242			2,968			5,210
Loans on non-accrual status	41,706			9,810			15,537			67,053
Total delinquent loans	41,706			12,052			18,505			72,263
Total consumer loans, gross	145,026			99,606			173,605			418,237
Less: allowance for losses	(34,829		)	(21,934		)	(33,193		)	(89,956		)
Consumer loans, net	$	110,197		$	77,672		$	140,412		$	328,281
	As of December 31, 2013
	Short-term Loans			Line of Credit Accounts			Installment Loans			Total
Current loans	$	101,379		$	111,822		$	168,221		$	381,422
Delinquent loans:
Delinquent payment amounts(a)	—			4,146			3,902			8,048
Loans on non-accrual status	29,857			9,834			17,546			57,237
Total delinquent loans	29,857			13,980			21,448			65,285
Total consumer loans, gross	131,236			125,802			189,669			446,707
Less: allowance for losses	(24,425		)	(29,784		)	(33,657		)	(87,866		)
Consumer loans, net	$	106,811		$	96,018		$	156,012		$	358,841

Changes In Allowance For Losses

Changes in the allowance for losses for the Company-owned loans and the liability for estimated losses on the Company’s guarantees of third-party lender-owned loans through the CSO programs during the three and nine months ended September 30, 2014 and 2013 were as follows (dollars in thousands):

	Three Months Ended September 30, 2014
	Short-term Loans			Line of Credit Accounts			Installment Loans			Total
Allowance for losses for Company-owned consumer loans:
Balance at beginning of period	$	21,679		$	21,578		$	28,930		$	72,187
Consumer loan loss provision	25,709			25,913			30,555			82,177
Charge-offs	(33,387		)	(29,842		)	(34,843		)	(98,072		)
Recoveries	7,064			5,024			6,889			18,977
Balance at end of period	$	21,065		$	22,673		$	31,531		$	75,269
Liability for third-party lender-owned consumer loans:
Balance at beginning of period	$	2,021		$	—		$	1,155		$	3,176
Decrease in liability	(128		)	—			(516		)	(644		)
Balance at end of period	$	1,893		$	—		$	639		$	2,532
	Three Months Ended September 30, 2013
	Short-term Loans			Line of Credit Accounts			Installment Loans			Total
Allowance for losses for Company-owned consumer loans:
Balance at beginning of period	$	42,068		$	10,649		$	27,146		$	79,863
Consumer loan loss provision	42,032			25,140			32,738			99,910
Charge-offs	(58,862		)	(15,414		)	(30,762		)	(105,038		)
Recoveries	9,591			1,559			4,071			15,221
Balance at end of period	$	34,829		$	21,934		$	33,193		$	89,956
Liability for third-party lender-owned consumer loans:
Balance at beginning of period	$	2,439		$	—		$	608		$	3,047
(Decrease) increase in liability	(226		)	—			9			(217		)
Balance at end of period	$	2,213		$	—		$	617		$	2,830

	Nine Months Ended September 30, 2014
	Short-term Loans			Line of Credit Accounts			Installment Loans			Total
Allowance for losses for Company-owned consumer loans:
Balance at beginning of period	$	24,425		$	29,784		$	33,657		$	87,866
Consumer loan loss provision	73,392			71,074			85,804			230,270
Charge-offs	(102,846		)	(90,984		)	(106,733		)	(300,563		)
Recoveries	26,094			12,799			18,803			57,696
Balance at end of period	$	21,065		$	22,673		$	31,531		$	75,269
Liability for third-party lender-owned consumer loans:
Balance at beginning of period	$	2,322		$	—		$	758		$	3,080
Decrease in liability	(429		)	—			(119		)	(548		)
Balance at end of period	$	1,893		$	—		$	639		$	2,532
	Nine Months Ended September 30, 2013
	Short-term Loans			Line of Credit Accounts			Installment Loans			Total
Allowance for losses for Company-owned consumer loans:
Balance at beginning of period	$	45,982		$	11,107		$	28,614		$	85,703
Consumer loan loss provision	130,624			41,612			80,206			252,442
Charge-offs	(172,504		)	(35,490		)	(86,237		)	(294,231		)
Recoveries	30,727			4,705			10,610			46,042
Balance at end of period	$	34,829		$	21,934		$	33,193		$	89,956
Liability for third-party lender-owned consumer loans:
Balance at beginning of period	$	2,934		$	—		$	564		$	3,498
(Decrease) increase in liability	(721		)	—			53			(668		)
Balance at end of period	$	2,213		$	—		$	617		$	2,830