3. Finance Receivables (Tables)

12 Months Ended

Dec. 31, 2015

Receivables [Abstract]

Financial Receivables

	December 31,
	2015			2014
	(In thousands)
Finance receivables
Automobile finance receivables, net of unearned interest	$	1,990,913		$	1,612,246
Less: Unearned acquisition fees, discounts and deferred origination costs, net		(5,820	)		(16,290	)
Finance receivables	$	1,985,093		$	1,595,956

Delinquency status of finance receivables

	December 31,
	2015		2014
	(In thousands)
Deliquency Status
Current	$	1,836,267	$	1,523,020
31 - 60 days		70,036		42,730
61 - 90 days		41,136		23,300
91 + days		43,474		23,196
	$	1,990,913	$	1,612,246

Allowance for credit losses

	December 31,
	2015			2014			2013
	(In thousands)
Balance at beginning of year	$	61,460		$	39,626		$	19,594
Provision for credit losses		142,618			108,228			76,869
Charge-offs		(156,553	)		(109,914	)		(69,455	)
Recoveries		28,078			23,520			12,618
Balance at end of year	$	75,603		$	61,460		$	39,626

Allowance for losses on repossessed inventory

	December 31,
	2015			2014
	(In thousands)
Gross balance of repossessions in inventory	$	39,728		$	28,234
Allowance for losses on repossessed inventory		(26,954	)		(17,829	)
Net repossessed inventory included in other assets	$	12,774		$	10,405