Significant Accounting Policies (Tables)

12 Months Ended

Dec. 31, 2015

Schedule Of Revenues By Geographic Region



	Year Ended December 31,
Revenue	2015		2014		2013
United States	$	1,029,491	$	1,077,199	$	1,003,961
Mexico^(a)	—		17,497		26,525
Total revenue	$	1,029,491	$	1,094,696	$	1,030,486

^(a) The Company sold its Mexico-based pawn operations in August 2014. See Note 3.

Estimated Useful Lives

Property and Equipment

Property and equipment is recorded at cost. The cost of property retired or sold and the related accumulated depreciation are removed from the accounts, and any resulting gain or loss is recognized in the consolidated statements of income. Costs associated with repair and maintenance activities are expensed as incurred. Depreciation expense is generally provided on a straight-line basis, using the following estimated useful lives:



Buildings and building improvements	7 to 40 years
Leasehold improvements	2 to 10 years
Furniture, fixtures and equipment	3 to 7 years
Computer hardware and software	2 to 5 years

Reconciliation Of Numerators And Denominators Of Basic And Diluted Earnings Per Share Computations

The following table sets forth the reconciliation of numerators and denominators of basic and diluted earnings per share computations for the years ended December 31, 2015, 2014 and 2013 (dollars and shares in thousands, except per share amounts):



	For the year ended December 31,
	2015		2014			2013
Numerator:
Net Income (Loss) from Continuing Operations	$	27,566	$	(10,387	)	$	59,182
Net Income from Discontinued Operations, Net of Tax	—		109,025			83,346
Net Income Attributable to Cash America International, Inc.	27,566		98,638			142,528
Denominator:
Total Weighted Average Basic Shares ^(a)	27,022		28,901			28,657
Shares Applicable to Stock-based Compensation^(b)	216		92			72
Convertible Debt^(c)	—		348			1,884
Total Weighted Average Diluted Shares ^(d)	27,238		29,341			30,613
Net Income (Loss) from Continuing Operations – basic	$	1.02	$	(0.36	)	$	2.07
Net Income from Discontinued Operations – basic	$	—	$	3.77		$	2.91
Net Income Attributable to Cash America International, Inc. - basic ^(f)	$	1.02	$	3.41		$	4.97
Net Income (Loss) from Continuing Operations – diluted ^(e)	$	1.01	$	(0.36	)	$	1.93
Net Income from Discontinued Operations – diluted	$	—	$	3.72		$	2.72
Net Income Attributable to Cash America International, Inc. - diluted^(f)	$	1.01	$	3.36		$	4.66


^(a)	Includes vested and deferred RSUs of 291, 304 and 307 as well as shares that are deliverable to certain directors who have elected to defer a portion of their director fees to be paid in the form of common stock of the Company (“Director Deferred Shares”) of 32, 32 and 31 for the years ended December 31, 2015, 2014 and 2013, respectively.


^(b)	Includes shares related to unvested RSU awards.

^(c)

On May 15, 2014, the Company called its then-outstanding $115.0 million aggregate principal amount of 5.25% Convertible Senior Notes due May 15, 2029 (the “2029 Convertible Notes”), and the noteholders elected to convert such notes. The Company settled the principal portion of the outstanding 2029 Convertible Notes in cash and issued 747,085 of the Company’s common shares related to the conversion spread. Prior to the repayment of the 2029 Convertible Notes, only the shares related to the conversion spread were included in weighted average diluted shares because the Company intended to pay the principal portion of the notes in cash. See Note 11 for further discussion of the 2029 Convertible Notes.


^(d)	Excludes 49, 70, and 12 anti-dilutive shares for the years ended December 31, 2015 and 2014 and 2013, respectively.


^(e)	Since a net loss from continuing operations exists for the year ended December 31, 2014, all potentially dilutive securities are anti-dilutive and are therefore excluded from the diluted per-share calculation.


^(f)	Earnings per share amounts included in this information may not sum due to rounding differences.