2. Finance Receivables (Tables)

3 Months Ended

Mar. 31, 2016

Finance Receivables

Financial Receivables

	March 31,			December 31,
	2016			2015
Finance Receivables	(In thousands)
Automobile finance receivables, net of unearned interest	$	2,102,093		$	1,990,913
Less: Unearned acquisition fees and originations costs		(3,850	)		(5,820	)
Finance Receivables	$	2,098,243		$	1,985,093

Delinquency status of finance receivables

	March 31,		December 31,
	2016		2015
	(In thousands)
Delinquency Status
Current	$	1,948,923	$	1,836,267
31 - 60 days		89,123		70,036
61 - 90 days		32,816		41,136
91 + days		31,231		43,474
	$	2,102,093	$	1,990,913

Allowance for credit losses

	Three Months Ended
	March 31,
		2016			2015
		(In thousands)
Balance at beginning of period	$	75,603		$	61,460
Provision for credit losses on finance receivables		44,197			33,439
Charge-offs		(45,933	)		(31,829	)
Recoveries		6,000			5,072
Balance at end of period	$	79,867		$	68,142

Allowance for losses on repossessed inventory

	March 31,			December 31,
	2016			2015
	(In thousands)
Gross balance of repossessions in inventory	$	38,807		$	39,728
Allowance for losses on repossessed inventory		(27,075	)		(26,954	)
Net repossessed inventory included in other assets	$	11,732		$	12,774