Finance Receivables, Net (Tables)

6 Months Ended

Sep. 30, 2019

Receivables [Abstract]

Net Financing Receivables

Finance receivables, net consisted of the following:

	September 30,			March 31,
	2019			2019
Retail receivables	$	44,063		$	42,621
Securitized retail receivables		12,539			11,318
Dealer financing		17,331			17,696
		73,933			71,635
Deferred origination (fees) and costs, net		831			695
Deferred income		(1,271	)		(1,314	)
Allowance for credit losses
Retail and securitized retail receivables		(317	)		(304	)
Dealer financing		(188	)		(195	)
Total allowance for credit losses		(505	)		(499	)
Finance receivables, net	$	72,988		$	70,517

Finance Receivable Credit Quality Indicators

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

	Retail Loan
	September 30,		March 31,
	2019		2019
Aging of finance receivables:
Current	$	55,565	$	53,047
30-59 days past due		754		657
60-89 days past due		194		162
90 days or greater past due		89		73
Total	$	56,602	$	53,939

	Wholesale				Real Estate				Working Capital
	September 30,		March 31,		September 30,		March 31,		September 30,		March 31,
	2019		2019		2019		2019		2019		2019
Credit quality indicators:
Performing	$	8,992	$	9,155	$	4,152	$	4,019	$	2,548	$	2,448
Credit Watch		873		1,127		380		554		69		70
At Risk		126		152		83		84		60		63
Default		20		6		23		14		5		4
Total	$	10,011	$	10,440	$	4,638	$	4,671	$	2,682	$	2,585

Past Due Finance Receivables by Class

The following tables summarize the aging of finance receivables by class:

	September 30, 2019
	30 - 59 Days Past Due		60 - 89 Days Past Due		90Daysor Greater Past Due		TotalPast Due		Current		TotalFinance Receivables		90 Days or GreaterPast Due and Accruing
Retail loan	$	754	$	194	$	89	$	1,037	$	55,565	$	56,602	$	60
Wholesale		-		-		-		-		10,011		10,011		-
Real estate		-		1		-		1		4,637		4,638		-
Working capital		-		-		4		4		2,678		2,682		-
Total	$	754	$	195	$	93	$	1,042	$	72,891	$	73,933	$	60

	March 31, 2019
	30 - 59 Days Past Due		60 - 89 Days Past Due		90Daysor Greater Past Due		TotalPast Due		Current		TotalFinance Receivables		90Daysor GreaterPast Due and Accruing
Retail loan	$	657	$	162	$	73	$	892	$	53,047	$	53,939	$	47
Wholesale		-		-		1		1		10,439		10,440		-
Real estate		-		-		-		-		4,671		4,671		-
Working capital		-		-		4		4		2,581		2,585		-
Total	$	657	$	162	$	78	$	897	$	70,738	$	71,635	$	47

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				Allowance
	September 30,		March 31,		September 30,		March 31,
	2019		2019		2019		2019
Impaired account balances individually evaluated for impairment with an allowance:
Wholesale	$	115	$	161	$	22	$	28
Real estate		101		93		10		11
Working capital		64		67		58		60
Total	$	280	$	321	$	90	$	99
Impaired account balances individually evaluated for impairment without an allowance:
Wholesale	$	161	$	130
Real estate		149		152
Working capital		20		20
Total	$	330	$	302
Impaired account balances aggregated and evaluated for impairment:
Retail loan	$	243	$	231
Total impaired account balances:
Retail loan	$	243	$	231
Wholesale		276		291
Real estate		250		245
Working capital		84		87
Total	$	853	$	854