Finance Receivables, Net (Tables)

6 Months Ended

Sep. 30, 2018

Receivables [Abstract]

Net Financing Receivables

Finance receivables, net consisted of the following:

	September 30,			March 31,
	2018			2018
Retail receivables	$	42,094		$	41,265
Securitized retail receivables		11,863			12,130
Dealer financing		16,538			17,420
		70,495			70,815
Deferred origination (fees) and costs, net		650			630
Deferred income		(1,370	)		(1,335	)
Allowance for credit losses
Retail and securitized retail receivables		(307	)		(312	)
Dealer financing		(140	)		(151	)
Total allowance for credit losses		(447	)		(463	)
Finance receivables, net	$	69,328		$	69,647

Finance Receivable Credit Quality Indicators

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

	Retail Loan
	September 30,		March 31,
	2018		2018
Aging of finance receivables:
Current	$	52,973	$	52,559
30-59 days past due		715		613
60-89 days past due		189		158
90 days or greater past due		80		65
Total	$	53,957	$	53,395

	Wholesale				Real Estate				Working Capital
	September 30,		March 31,		September 30,		March 31,		September 30,		March 31,
	2018		2018		2018		2018		2018		2018
Credit quality indicators:
Performing	$	8,441	$	9,451	$	3,993	$	4,070	$	2,195	$	2,118
Credit Watch		1,104		946		530		484		102		105
At Risk		91		75		29		29		51		33
Default		2		41		-		47		-		21
Total	$	9,638	$	10,513	$	4,552	$	4,630	$	2,348	$	2,277

Summary of Impaired Loans by Class of Finance Receivable

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,
	2018		2018		2018		2018		2018		2018
Impaired account balances individually evaluated for impairment with an allowance:
Wholesale	$	95	$	107	$	95	$	107	$	7	$	14
Real estate		39		86		39		86		2		5
Working capital		50		55		50		55		48		51
Total	$	184	$	248	$	184	$	248	$	57	$	70
Impaired account balances individually evaluated for impairment without an allowance:
Wholesale	$	101	$	83	$	101	$	83
Real estate		140		142		140		142
Working capital		21		22		21		22
Total	$	262	$	247	$	262	$	247
Impaired account balances aggregated and evaluated for impairment:
Retail loan	$	216	$	222	$	214	$	220
Total impaired account balances:
Retail loan	$	216	$	222	$	214	$	220
Wholesale		196		190		196		190
Real estate		179		228		179		228
Working capital		71		77		71		77
Total	$	662	$	717	$	660	$	715

The following table summarizes the average impaired loans by class of finance receivables as of the balance sheet date:

	Three Months Ended September 30,				Six Months Ended September 30,
	2018		2017		2018		2017
Impaired account balances individually evaluated   for impairment with an allowance:
Wholesale	$	103	$	101	$	104	$	98
Real estate		46		91		60		92
Working capital		51		44		52		40
Total	$	200	$	236	$	216	$	230
Impaired account balances individually evaluated   for impairment without an allowance:
Wholesale	$	102	$	116	$	96	$	122
Real estate		141		97		141		100
Working capital		21		-		21		-
Total	$	264	$	213	$	258	$	222
Impaired account balances aggregated and evaluated   for impairment:
Retail loan	$	220	$	222	$	221	$	221
Total impaired account balances:
Retail loan	$	220	$	222	$	221	$	221
Wholesale		205		217		200		220
Real estate		187		188		201		192
Working capital		72		44		73		40
Total	$	684	$	671	$	695	$	673