Finance Receivables, Net (Tables)

6 Months Ended

Sep. 30, 2015

Receivables [Abstract]

Net Financing Receivables

Finance receivables, net consisted of the following:

	September 30, 2015			March 31, 2015
Retail receivables	$	36,612		$	39,141
Securitized retail receivables		14,871			11,682
Dealer financing		14,170			15,744
		65,653			66,567
Deferred origination (fees) and costs, net		667			646
Deferred income		(921	)		(911	)
Allowance for credit losses
Retail and securitized retail receivables		(263	)		(301	)
Dealer financing		(114	)		(108	)
Total allowance for credit losses		(377	)		(409	)
Finance receivables, net	$	65,022		$	65,893

Finance Receivable Credit Quality Indicators

The tables below present each credit quality indicator by class of finance receivable:

	Retail Loan				Commercial
	September 30, 2015		March 31, 2015		September 30, 2015		March 31, 2015
Aging of finance receivables:
Current	$	50,621	$	49,684	$	-	$	511
30-59 days past due		631		467		-		8
60-89 days past due		154		100		-		2
90 days or greater past due		77		51		-		-
Total	$	51,483	$	50,302	$	-	$	521

	Wholesale				Real Estate				Working Capital
	September 30, 2015		March 31, 2015		September 30, 2015		March 31, 2015		September 30, 2015		March 31, 2015
Credit quality indicators:
Performing	$	6,913	$	7,993	$	3,861	$	3,782	$	1,564	$	1,643
Credit Watch		794		1,137		676		842		166		176
At Risk		67		60		31		37		30		32
Default		18		36		45		4		5		2
Total	$	7,792	$	9,226	$	4,613	$	4,665	$	1,765	$	1,853

Summary of Investment in Impaired Loans by Class of Finance Receivable

Impaired Finance Receivables

The following table summarizes the information related to our impaired loans by class of finance receivables:

	Impaired								Individually Evaluated
	Finance Receivables				Unpaid Principal Balance				Allowance
	September 30,		March 31,		September 30,		March 31,		September 30,		March 31,
	2015		2015		2015		2015		2015		2015
Impaired account balances individually evaluated for impairment with an allowance:
Wholesale	$	76	$	76	$	76	$	76	$	11	$	14
Real estate		86		52		86		52		13		10
Working capital		33		34		33		34		30		31
Total	$	195	$	162	$	195	$	162	$	54	$	55
Impaired account balances individually evaluated for impairment without an allowance:
Wholesale	$	108	$	105	$	108	$	105
Real estate		90		91		90		91
Working capital		4		2		4		2
Total	$	202	$	198	$	202	$	198
Impaired account balances aggregated and evaluated for impairment:
Retail loan	$	245	$	264	$	241	$	261
Commercial		-		-		-		-
Total	$	245	$	264	$	241	$	261
Total impaired account balances:
Retail loan	$	245	$	264	$	241	$	261
Commercial		-		-		-		-
Wholesale		184		181		184		181
Real estate		176		143		176		143
Working capital		37		36		37		36
Total	$	642	$	624	$	638	$	621

	Average Impaired FinanceReceivables								Interest Income Recognized
	Three Months Ended September 30,				Six Months Ended September 30,				Three Months Ended September 30,				Six Months Ended September 30,
	2015		2014		2015		2014		2015		2014		2015		2014
Impaired account balances individually evaluated for impairment with an allowance:
Wholesale	$	88	$	20	$	84	$	17	$	1	$	-	$	1	$	-
Real estate		88		20		76		23		-		-		1		-
Working capital		35		23		35		23		1		1		1		1
Total	$	211	$	63	$	195	$	63	$	2	$	1	$	3	$	1
Impaired account balances individually evaluated for impairment without an allowance:
Wholesale	$	104	$	51	$	105	$	51	$	1	$	-	$	1	$	-
Real estate		85		96		87		94		1		1		2		2
Working capital		4		3		3		3		-		-		-		-
Total	$	193	$	150	$	195	$	148	$	2	$	1	$	3	$	2
Impaired account balances aggregated and evaluated for impairment:
Retail loan	$	252	$	302	$	256	$	309	$	4	$	6	$	9	$	12
Commercial		-		1		-		1		-		-		-		-
Total	$	252	$	303	$	256	$	310	$	4	$	6	$	9	$	12
Total impaired account balances:
Retail loan	$	252	$	302	$	256	$	309	$	4	$	6	$	9	$	12
Commercial		-		1		-		1		-		-		-		-
Wholesale		192		71		189		68		2		-		2		-
Real estate		173		116		163		117		1		1		3		2
Working capital		39		26		38		26		1		1		1		1
Total	$	656	$	516	$	646	$	521	$	8	$	8	$	15	$	15