2. Finance Receivables (Tables)

9 Months Ended

Sep. 30, 2013

Finance Receivables Tables

Financial Receivables

	September 30,			December 31,
	2013			2012
Finance Receivables		(In thousands)
Automobile finance receivables, net of unearned interest	$	1,111,773		$	795,786
Less: Unearned acquisition fees and originations costs		(30,491	)		(31,443	)
Finance Receivables	$	1,081,282		$	764,343

Delinquency status of finance receivables

		September 30,		December 31,
		2013		2012
		(In thousands)
Delinquency Status
Current	$	1,061,090	$	764,741
31 - 61 days		26,335		16,925
61 - 90 days		16,084		9,019
91 + days		8,264		5,101
	$	1,111,773	$	795,786

Allowance for credit losses

	Three Months Ended						Nine Months Ended
	September 30,						September 30,
	2013			2012			2013			2012
	(In thousands)						(In thousands)
Balance at beginning of period	$	32,101		$	14,093		$	19,594		$	10,351
Provision for credit losses on finance receivables		20,220			9,465			52,739			22,012
Charge-offs		(20,952	)		(9,578	)		(47,229	)		(26,158	)
Recoveries		3,095			2,966			9,360			10,741
Balance at end of period	$	34,464		$	16,946		$	34,464		$	16,946

Allowance for losses on repossessed inventory

	September 30,			December 31,
	2013			2012
	(In thousands)
Gross balance of repossessions in inventory	$	20,718		$	12,102
Allowance for losses on repossessed inventory		(11,980	)		(6,384	)
Net repossessed inventory included in other assets	$	8,738		$	5,718