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

6 Months Ended

Jun. 30, 2015

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

Components Of Company-Owned Consumer Loans And Receivables

The components of Company-owned consumer loan portfolio receivables as of June 30, 2015 and 2014 and December 31, 2014 were as follows (dollars in thousands):

	As of			As of			As of
	June 30, 2015			June 30, 2014			December 31, 2014
Short-term loans
Current loans	$	25,573		$	37,131		$	38,492
Delinquent loans	3,519			5,613			4,462
Total consumer loans, gross	29,092			42,744			42,954
Less: allowance for losses	(2,106		)	(3,431		)	(2,736		)
Consumer loans, net	$	26,986		$	39,313		$	40,218
Installment loans
Current loans	$	2,334		$	4,786		$	3,486
Delinquent loans	2,500			2,857			2,575
Total consumer loans, gross	4,834			7,643			6,061
Less: allowance for losses	(1,427		)	(962		)	(1,426		)
Consumer loans, net	$	3,407		$	6,681		$	4,635
Total consumer loans
Current loans	$	27,907		$	41,917		$	41,978
Delinquent loans	6,019			8,470			7,037
Total consumer loans, gross	33,926			50,387			49,015
Less: allowance for losses	(3,533		)	(4,393		)	(4,162		)
Consumer loans, net	$	30,393		$	45,994		$	44,853

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 for the three and six months ended June 30, 2015 and 2014 were as follows (dollars in thousands):

	Three Months Ended						Six Months Ended
	June 30,						June 30,
	2015			2014			2015			2014
Short-term loans
Allowance for losses for Company-owned consumer loans:
Balance at beginning of period	$	2,034		$	2,593		$	2,736		$	3,960
Consumer loan loss provision	1,767			5,780			5,073			11,229
Charge-offs	(4,406		)	(5,966		)	(10,121		)	(14,286		)
Recoveries	2,711			1,024			4,418			2,528
Balance at end of period	$	2,106		$	3,431		$	2,106		$	3,431
Liability for third-party lender-owned consumer loans:
Balance at beginning of period	$	215		$	268		$	402		$	272
Consumer loan loss provision	(56		)	172			(243		)	168
Balance at end of period	$	159		$	440		$	159		$	440
Installment loans
Allowance for losses for Company-owned consumer loans:
Balance at beginning of period	$	1,191		$	836		$	1,426		$	951
Consumer loan loss provision	1,965			1,731			3,265			3,653
Charge-offs	(2,007		)	(2,104		)	(3,914		)	(4,711		)
Recoveries	278			499			650			1,069
Balance at end of period	$	1,427		$	962		$	1,427		$	962
Liability for third-party lender-owned consumer loans:
Balance at beginning of period	$	1,026		$	989		$	658		$	758
Consumer loan loss provision	737			166			1,105			397
Balance at end of period	$	1,763		$	1,155		$	1,763		$	1,155
Total consumer loans
Allowance for losses for Company-owned consumer loans:
Balance at beginning of period	$	3,225		$	3,429		$	4,162		$	4,911
Consumer loan loss provision	3,732			7,511			8,338			14,882
Charge-offs	(6,413		)	(8,070		)	(14,035		)	(18,997		)
Recoveries	2,989			1,523			5,068			3,597
Balance at end of period	$	3,533		$	4,393		$	3,533		$	4,393
Liability for third-party lender-owned consumer loans:
Balance at beginning of period	$	1,241		$	1,257		$	1,060		$	1,030
Consumer loan loss provision	681			338			862			565
Balance at end of period	$	1,922		$	1,595		$	1,922		$	1,595