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

6 Months Ended

Jun. 30, 2016

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, 2016 and 2015 and December 31, 2015 were as follows (dollars in thousands):

	As of			As of			As of
	June 30, 2016			June 30, 2015			December 31, 2015
Short-term loans
Current loans	$	23,726		$	25,573		$	26,304
Delinquent loans	2,539			3,519			2,723
Total consumer loans, gross	26,265			29,092			29,027
Less: Allowance for losses	(1,350		)	(2,106		)	(1,651		)
Consumer loans, net	$	24,915		$	26,986		$	27,376
Installment loans
Current loans	$	1,563		$	2,334		$	2,027
Delinquent loans	1,706			2,500			3,133
Total consumer loans, gross	3,269			4,834			5,160
Less: Allowance for losses	(958		)	(1,427		)	(1,245		)
Consumer loans, net	$	2,311		$	3,407		$	3,915
Total Company-owned consumer loans
Current loans	$	25,289		$	27,907		$	28,331
Delinquent loans	4,245			6,019			5,856
Total consumer loans, gross	29,534			33,926			34,187
Less: Allowance for losses	(2,308		)	(3,533		)	(2,896		)
Consumer loans, net	$	27,226		$	30,393		$	31,291

Changes In Allowance For Losses

Changes in the allowance for losses for Company-owned consumer loans and the liability for estimated losses on the Company’s guarantees of third-party lender-owned consumer loans through the CSO programs for the three and six months ended June 30, 2016 and 2015 were as follows (dollars in thousands):

	Three Months Ended						Six Months Ended
	June 30,						June 30,
	2016			2015			2016			2015
Short-term loans
Allowance for losses for Company-owned consumer loans:
Balance at beginning of period	$	1,164		$	2,034		$	1,651		$	2,736
Consumer loan loss provision	2,319			1,767			4,692			5,073
Charge-offs	(2,657		)	(4,406		)	(6,228		)	(10,121		)
Recoveries	524			2,711			1,235			4,418
Balance at end of period	$	1,350		$	2,106		$	1,350		$	2,106
Liability for third-party lender-owned consumer loans:
Balance at beginning of period	$	26		$	215		$	30		$	402
Consumer loan loss provision	1			(56		)	(3		)	(243		)
Balance at end of period	$	27		$	159		$	27		$	159
Installment loans
Allowance for losses for Company-owned consumer loans:
Balance at beginning of period	$	1,087		$	1,191		$	1,245		$	1,426
Consumer loan loss provision	1,413			1,965			4,449			3,265
Charge-offs	(2,223		)	(2,007		)	(5,781		)	(3,914		)
Recoveries	681			278			1,045			650
Balance at end of period	$	958		$	1,427		$	958		$	1,427
Liability for third-party lender-owned consumer loans:
Balance at beginning of period	$	494		$	1,026		$	1,956		$	658
Consumer loan loss provision	(181		)	737			(1,643		)	1,105
Balance at end of period	$	313		$	1,763		$	313		$	1,763
Total consumer loans
Allowance for losses for Company-owned consumer loans:
Balance at beginning of period	$	2,251		$	3,225		$	2,896		$	4,162
Consumer loan loss provision (a)	3,732			3,732			9,141			8,338
Charge-offs	(4,880		)	(6,413		)	(12,009		)	(14,035		)
Recoveries	1,205			2,989			2,280			5,068
Balance at end of period	$	2,308		$	3,533		$	2,308		$	3,533
Liability for third-party lender-owned consumer loans:
Balance at beginning of period	$	520		$	1,241		$	1,986		$	1,060
Consumer loan loss provision (a)	(180		)	681			(1,646		)	862
Balance at end of period	$	340		$	1,922		$	340		$	1,922

^(a)  The sum of the consumer loan loss provision related to the allowance for losses for Company-owned consumer loans and the consumer loan loss provision related to the liability for third-party lender-owned consumer equals the consumer loan loss provision presented on the consolidated statements of income for the respective time periods.