Finance Receivables, Net (Tables)

12 Months Ended

Mar. 31, 2020

Receivables [Abstract]

Net Financing Receivables

Finance receivables, net consisted of the following:

	March 31,			March 31,
	2020			2019
Retail receivables	$	44,414		$	42,621
Securitized retail receivables		12,674			11,318
Dealer financing		17,873			17,696
		74,961			71,635
Deferred origination costs		890			695
Deferred income		(1,128	)		(1,314	)
Allowance for credit losses
Retail and securitized retail receivables		(486	)		(304	)
Dealer financing		(241	)		(195	)
Total allowance for credit losses		(727	)		(499	)
Finance receivables, net	$	73,996		$	70,517

Contractual Maturities on Retail Receivables and Dealer Financing

Contractual maturities on retail receivables and dealer financing are as follows:

	Contractual maturities
Years ending March 31,	Retail receivables		Dealer financing
2021	$	14,437	$	13,267
2022		13,358		1,476
2023		11,780		876
2024		9,103		676
2025		5,696		454
Thereafter		2,714		1,124
Total	$	57,088	$	17,873

Finance Receivable Credit Quality Indicators

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

	Retail loan
	March 31,		March 31,
	2020		2019
Aging of finance receivables:
Current	$	56,064	$	53,047
30-59 days past due		717		657
60-89 days past due		203		162
90 days or greater past due		104		73
Total	$	57,088	$	53,939

	Wholesale				Real estate				Working capital
	March 31,		March 31,		March 31,		March 31,		March 31,		March 31,
	2020		2019		2020		2019		2020		2019
Credit quality indicators:
Performing	$	8,750	$	9,155	$	3,974	$	4,019	$	3,132	$	2,448
Credit Watch		962		1,127		576		554		195		70
At Risk		92		152		55		84		92		63
Default		22		6		23		14		-		4
Total	$	9,826	$	10,440	$	4,628	$	4,671	$	3,419	$	2,585

Past Due Finance Receivables by Class

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

	March 31, 2020
	30 - 59 Days past due		60 - 89 Days past due		90 Days or greater past due		Total Past due		Current		Total Finance receivables		90 Days or greater past due and accruing
Retail loan	$	717	$	203	$	104	$	1,024	$	56,064	$	57,088	$	66
Wholesale		-		-		-		-		9,826		9,826		-
Real estate		-		-		1		1		4,627		4,628		-
Working capital		-		-		-		-		3,419		3,419		-
Total	$	717	$	203	$	105	$	1,025	$	73,936	$	74,961	$	66

	March 31, 2019
	30 - 59 Days past due		60 - 89 Days past due		90 Days or greater past due		Total Past due		Current		Total Finance receivables		90Daysor greater past 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
	March 31,		March 31,		March 31,		March 31,
	2020		2019		2020		2019
Impaired account balances individually evaluated for impairment with an allowance:
Wholesale	$	104	$	161	$	18	$	28
Real estate		72		93		9		11
Working capital		92		67		38		60
Total	$	268	$	321	$	65	$	99
Impaired account balances individually evaluated for impairment without an allowance:
Wholesale	$	93	$	130
Real estate		148		152
Working capital		19		20
Total	$	260	$	302
Impaired account balances aggregated and evaluated for impairment:
Retail loan	$	253	$	231
Total impaired account balances:
Retail loan	$	253	$	231
Wholesale		197		291
Real estate		220		245
Working capital		111		87
Total	$	781	$	854