2. Finance Receivables (Tables)

3 Months Ended

Mar. 31, 2015

Finance Receivables

Financial Receivables

	March 31,			December 31,
	2015			2014
Finance Receivables		(In thousands)
Automobile finance receivables, net of unearned interest	$	1,697,894		$	1,612,246
Less: Unearned acquisition fees and originations costs		(13,990	)		(16,290	)
Finance Receivables	$	1,683,904		$	1,595,956

Delinquency status of finance receivables

	March 31,		December 31,
	2015		2014
	(In thousands)
Deliquency Status
Current	$	1,604,715	$	1,523,020
31 - 60 days		38,093		42,730
61 - 90 days		23,192		23,300
91 + days		31,894		23,196
	$	1,697,894	$	1,612,246

Allowance for credit losses

	Three Months Ended
	March 31,
	2015			2014
	(In thousands)
Balance at beginning of period	$	61,460		$	39,626
Provision for credit losses on finance receivables		33,439			23,880
Charge-offs		(31,829	)		(23,541	)
Recoveries		5,072			4,687
Balance at end of period	$	68,142		$	44,652

Allowance for losses on repossessed inventory

	March 31,			December 31,
	2015			2014
	(In thousands)
Gross balance of repossessions in inventory	$	25,625		$	28,234
Allowance for losses on repossessed inventory		(16,102	)		(17,829	)
Net repossessed inventory included in other assets	$	9,523		$	10,405