XML 37 R25.htm IDEA: XBRL DOCUMENT v3.10.0.1
Allowance for Loan Losses (Tables)
 9 Months Ended
Sep. 30, 2018
Receivables [Abstract]  
Allowance for credit losses and recorded investments in loans Allowance for Loan Losses Metrics
 
 
Allowance for Loan Losses
 
 
Three Months Ended September 30, 2018
 
 
FFELP
Loans
 
Private Education
Loans
 
Personal
Loans
 
Total
Allowance for Loan Losses
 
 
 
 
 
 
 
 
Beginning balance
 
$
1,073

 
$
261,695

 
$
32,509

 
$
295,277

Total provision
 
259

 
42,482

 
26,155

 
68,896

Net charge-offs:
 


 


 


 


Charge-offs
 
(252
)
 
(34,229
)
 
(5,740
)
 
(40,221
)
Recoveries
 
—

 
4,736

 
286

 
5,022

Net charge-offs
 
(252
)
 
(29,493
)
 
(5,454
)
 
(35,199
)
Loan sales(1)
 
—

 
—

 
—

 
—

Ending Balance
 
$
1,080

 
$
274,684

 
$
53,210

 
$
328,974

Allowance:
 

 

 

 

Ending balance: individually evaluated for impairment
 
$
—

 
$
119,643

 
$
—

 
$
119,643

Ending balance: collectively evaluated for impairment
 
$
1,080

 
$
155,041

 
$
53,210

 
$
209,331

Loans:
 

 

 

 

Ending balance: individually evaluated for impairment
 
$
—

 
$
1,199,493

 
$
—

 
$
1,199,493

Ending balance: collectively evaluated for impairment
 
$
866,786

 
$
19,040,498

 
$
1,133,005

 
$
21,040,289

Net charge-offs as a percentage of average loans in repayment (annualized)(2)
 
0.15
%
 
0.88
%
 
2.03
%
 

Allowance as a percentage of the ending total loan balance
 
0.12
%
 
1.36
%
 
4.70
%
 

Allowance as a percentage of the ending loans in repayment(2)
 
0.16
%
 
1.99
%
 
4.70
%
 

Allowance coverage of net charge-offs (annualized)
 
1.07

 
2.33

 
2.44

 

Ending total loans, gross
 
$
866,786

 
$
20,239,991

 
$
1,133,005

 

Average loans in repayment(2)
 
$
681,131

 
$
13,351,517

 
$
1,072,624

 

Ending loans in repayment(2)
 
$
679,110

 
$
13,815,415

 
$
1,133,005

 

____________
(1) Represents fair value adjustments on loans sold.
(2) Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period.


 
 
Allowance for Loan Losses
 
 
Three Months Ended September 30, 2017
 
 
FFELP
Loans
 
Private Education
Loans
 
Personal
Loans
 
Total
Allowance for Loan Losses
 
 
 
 
 
 
 
 
Beginning balance
 
$
1,606

 
$
205,024

 
$
818

 
$
207,448

Total provision
 
(73
)
 
53,120

 
800

 
53,847

Net charge-offs:
 
 
 
 
 
 
 
 
Charge-offs
 
(181
)
 
(34,280
)
 
(220
)
 
(34,681
)
Recoveries
 
—

 
4,560

 
2

 
4,562

Net charge-offs
 
(181
)
 
(29,720
)
 
(218
)
 
(30,119
)
Loan sales(1)
 
—

 
(1,257
)
 
—

 
(1,257
)
Ending Balance
 
$
1,352

 
$
227,167

 
$
1,400

 
$
229,919

Allowance:
 
 
 
 
 
 
 
 
Ending balance: individually evaluated for impairment
 
$
—

 
$
100,999

 
$
—

 
$
100,999

Ending balance: collectively evaluated for impairment
 
$
1,352

 
$
126,168

 
$
1,400

 
$
128,920

Loans:
 
 
 
 
 
 
 
 
Ending balance: individually evaluated for impairment
 
$
—

 
$
942,561

 
$
—

 
$
942,561

Ending balance: collectively evaluated for impairment
 
$
949,180

 
$
16,190,346

 
$
132,100

 
$
17,271,626

Net charge-offs as a percentage of average loans in repayment (annualized)(2)
 
0.10
%
 
1.08
%
 
0.96
%
 
 
Allowance as a percentage of the ending total loan balance
 
0.14
%
 
1.33
%
 
1.06
%
 
 
Allowance as a percentage of the ending loans in repayment(2)
 
0.20
%
 
1.99
%
 
1.06
%
 
 
Allowance coverage of net charge-offs (annualized)
 
1.87

 
1.91

 
1.60

 
 
Ending total loans, gross
 
$
949,180

 
$
17,132,907

 
$
132,100

 
 
Average loans in repayment(2)
 
$
734,613

 
$
10,971,028

 
$
90,850

 
 
Ending loans in repayment(2)
 
$
690,849

 
$
11,406,581

 
$
132,100

 
 
____________
(1) Represents fair value adjustments on loans sold.
(2) Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period.

     
 
 
Allowance for Loan Losses
 
 
Nine Months Ended September 30, 2018
 
 
FFELP
Loans
 
Private Education
Loans
 
Personal
Loans
 
Total
Allowance for Loan Losses
 
 
 
 
 
 
 
 
Beginning balance
 
$
1,132

 
$
243,715

 
$
6,628

 
$
251,475

Total provision
 
742

 
130,616

 
55,981

 
187,339

Net charge-offs:
 
 
 
 
 
 
 
 
Charge-offs
 
(794
)
 
(113,852
)
 
(9,812
)
 
(124,458
)
Recoveries
 
—

 
15,421

 
413

 
15,834

Net charge-offs
 
(794
)
 
(98,431
)
 
(9,399
)
 
(108,624
)
Loan sales(1)
 
—

 
(1,216
)
 
—

 
(1,216
)
Ending Balance
 
$
1,080

 
$
274,684

 
$
53,210

 
$
328,974

Allowance:
 
 
 
 
 
 
 
 
Ending balance: individually evaluated for impairment
 
$
—

 
$
119,643

 
$
—

 
$
119,643

Ending balance: collectively evaluated for impairment
 
$
1,080

 
$
155,041

 
$
53,210

 
$
209,331

Loans:
 
 
 
 
 
 
 
 
Ending balance: individually evaluated for impairment
 
$
—

 
$
1,199,493

 
$
—

 
$
1,199,493

Ending balance: collectively evaluated for impairment
 
$
866,786

 
$
19,040,498

 
$
1,133,005

 
$
21,040,289

Net charge-offs as a percentage of average loans in repayment (annualized)(2)
 
0.15
%
 
1.01
%
 
1.56
%
 
 
Allowance as a percentage of the ending total loan balance
 
0.12
%
 
1.36
%
 
4.70
%
 
 
Allowance as a percentage of the ending loans in repayment(2)
 
0.16
%
 
1.99
%
 
4.70
%
 
 
Allowance coverage of net charge-offs (annualized)
 
1.02

 
2.09

 
4.25

 
 
Ending total loans, gross
 
$
866,786

 
$
20,239,991

 
$
1,133,005

 
 
Average loans in repayment(2)
 
$
700,679

 
$
13,009,704

 
$
803,928

 
 
Ending loans in repayment(2)
 
$
679,110

 
$
13,815,415

 
$
1,133,005

 
 
____________
(1) Represents fair value adjustments on loans sold.
(2) Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period.











 
 
Allowance for Loan Losses
 
 
Nine Months Ended September 30, 2017
 
 
FFELP
Loans
 
Private Education
Loans
 
Personal
Loans
 
Total
Allowance for Loan Losses
 
 
 
 
 
 
 
 
Beginning balance
 
$
2,171

 
$
182,472

 
$
58

 
$
184,701

Total provision
 
(161
)
 
129,105

 
1,580

 
130,524

Net charge-offs:
 
 
 
 
 
 
 
 
Charge-offs
 
(658
)
 
(93,235
)
 
(240
)
 
(94,133
)
Recoveries
 
—

 
12,216

 
2

 
12,218

Net charge-offs
 
(658
)
 
(81,019
)
 
(238
)
 
(81,915
)
Loan sales(1)
 
—

 
(3,391
)
 
—

 
(3,391
)
Ending Balance
 
$
1,352

 
$
227,167

 
$
1,400

 
$
229,919

Allowance:
 
 
 
 
 
 
 
 
Ending balance: individually evaluated for impairment
 
$
—

 
$
100,999

 
$
—

 
$
100,999

Ending balance: collectively evaluated for impairment
 
$
1,352

 
$
126,168

 
$
1,400

 
$
128,920

Loans:
 
 
 
 
 
 
 
 
Ending balance: individually evaluated for impairment
 
$
—

 
$
942,561

 
$
—

 
$
942,561

Ending balance: collectively evaluated for impairment
 
$
949,180

 
$
16,190,346

 
$
132,100

 
$
17,271,626

Net charge-offs as a percentage of average loans in repayment (annualized)(2)
 
0.12
%
 
1.02
%
 
0.51
%
 
 
Allowance as a percentage of the ending total loan balance
 
0.14
%
 
1.33
%
 
1.06
%
 
 
Allowance as a percentage of the ending loans in repayment(2)
 
0.20
%
 
1.99
%
 
1.06
%
 
 
Allowance coverage of net charge-offs (annualized)
 
1.54

 
2.10

 
4.41

 
 
Ending total loans, gross
 
$
949,180

 
$
17,132,907

 
$
132,100

 
 
Average loans in repayment(2)
 
$
752,990

 
$
10,589,725

 
$
62,747

 
 
Ending loans in repayment(2)
 
$
690,849

 
$
11,406,581

 
$
132,100

 
 
____________
(1) Represents fair value adjustments on loans sold.
(2) Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period.
Impaired financing receivables The following table provides the recorded investment, unpaid principal balance and related allowance for our TDR loans.
 
 
Recorded Investment
 
Unpaid Principal Balance
 
Allowance
 
 
 
 
 
 
 
September 30, 2018
 
 
 
 
 
 
TDR Loans
 
$
1,220,233

 
$
1,199,493

 
$
119,643

 
 
 
 
 
 
 
December 31, 2017
 
 
 
 
 
 
TDR Loans
 
$
1,007,141

 
$
990,351

 
$
94,682
Average recorded investment and interest income recognized for troubled debt restructuring loans The average balance and the respective weighted average interest rates of loans in our portfolio are summarized as follows:


 
 
Three Months Ended
 
 
September 30,
 
 
2018
 
2017
 
 
Average Balance
 
Weighted Average Interest Rate
 
Average Balance
 
Weighted Average Interest Rate
Private Education Loans
 
$
19,295,318

 
9.16
%
 
$
16,228,751

 
8.50
%
FFELP Loans
 
877,279

 
4.65

 
960,185

 
4.02

Personal Loans
 
1,082,177

 
11.03

 
86,441

 
9.66

Total portfolio
 
$
21,254,774

 
 
 
$
17,275,377

 
 

 
 
Nine Months Ended
 
 
September 30,
 
 
2018
 
2017
 
 
Average Balance
 
Weighted Average Interest Rate
 
Average Balance
 
Weighted Average Interest Rate
Private Education Loans
 
$
18,908,929

 
9.01
%
 
$
15,791,557

 
8.37
%
FFELP Loans
 
898,208

 
4.47

 
981,106

 
3.86

Personal Loans
 
810,753

 
10.82

 
61,263

 
9.44

Total portfolio
 
$
20,617,890

 
 
 
$
16,833,926

 
 
Loans held for investment are summarized as follows:
 
 
September 30,
 
December 31,
 
 
2018
 
2017
Private Education Loans:
 

 

Fixed rate
 
$
6,369,950

 
$
4,000,447

Variable rate
 
13,870,041

 
13,431,720

Total Private Education Loans, gross
 
20,239,991

 
17,432,167

Deferred origination costs and unamortized premium/(discount)
 
65,499

 
56,378

Allowance for loan losses
 
(274,684
)
 
(243,715
)
Total Private Education Loans, net
 
20,030,806

 
17,244,830

 
 
 
 
 
FFELP Loans
 
866,786

 
927,660

Deferred origination costs and unamortized premium/(discount)
 
2,432

 
2,631

Allowance for loan losses
 
(1,080
)
 
(1,132
)
Total FFELP Loans, net
 
868,138

 
929,159

 
 
 
 
 
Personal Loans (fixed rate)
 
1,133,005

 
400,280

Deferred origination costs and unamortized premium/(discount)
 
164

 
—

Allowance for loan losses
 
(53,210
)
 
(6,628
)
Total Personal Loans, net
 
1,079,959

 
393,652

 
 
 
 
 
Loans held for investment, net
 
$
21,978,903

 
$
18,567,641

The following table provides the average recorded investment and interest income recognized for our TDR loans.
 
 
Three Months Ended 
 September 30,
 
 
2018
 
2017
 
 
Average
Recorded
Investment
 
Interest
Income
Recognized
 
Average
Recorded
Investment
 
Interest
Income
Recognized
 
 
 
 
 
 
 
 
 
TDR Loans
 
$
1,180,206

 
$
19,943

 
$
877,011

 
$
16,517



    
 
 
Nine Months Ended 
 September 30,
 
 
2018
 
2017
 
 
Average
Recorded
Investment
 
Interest
Income
Recognized
 
Average
Recorded
Investment
 
Interest
Income
Recognized
 
 
 
 
 
 
 
 
 
TDR Loans
 
$
1,106,946

 
$
56,509

 
$
772,362

 
$
43,084
Age analysis of past due loans delinquencies
 The following table provides information regarding the loan status of our Private Education Loans. Loans in repayment include loans making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period.

 
 
Private Education Loans
 
 
September 30,
 
December 31,
 
 
2018
 
2017
 
 
Balance
 
%
 
Balance
 
%
Loans in-school/grace/deferment(1)
 
$
5,936,033

 
 
 
$
4,757,732

 
 
Loans in forbearance(2)
 
488,543

 
 
 
468,402

 
 
Loans in repayment and percentage of each status:
 
 
 
 
 
 
 
 
Loans current
 
13,492,029

 
97.7
%
 
11,911,128

 
97.6
%
Loans delinquent 31-60 days(3)
 
198,987

 
1.4

 
179,002

 
1.5

Loans delinquent 61-90 days(3)
 
82,358

 
0.6

 
78,292

 
0.6

Loans delinquent greater than 90 days(3)
 
42,041

 
0.3

 
37,611

 
0.3

Total Private Education Loans in repayment
 
13,815,415

 
100.0
%
 
12,206,033

 
100.0
%
Total Private Education Loans, gross
 
20,239,991

 
 
 
17,432,167

 
 
Private Education Loans deferred origination costs and unamortized premium/(discount)
 
65,499

 
 
 
56,378

 
 
Total Private Education Loans
 
20,305,490

 
 
 
17,488,545

 
 
Private Education Loans allowance for losses
 
(274,684
)
 
 
 
(243,715
)
 
 
Private Education Loans, net
 
$
20,030,806

 
 
 
$
17,244,830

 
 
Percentage of Private Education Loans in repayment
 
 
 
68.3
%
 
 
 
70.0
%
Delinquencies as a percentage of Private Education Loans in repayment
 
 
 
2.3
%
 
 
 
2.4
%
Loans in forbearance as a percentage of Private Education Loans in repayment and forbearance
 
 
 
3.4
%
 
 
 
3.7
%
(1) 
Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation).
(2) 
Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other factors, consistent with established loan program servicing policies and procedures.
(3) 
The period of delinquency is based on the number of days scheduled payments are contractually past due.The following table provides information regarding the loan status and aging of TDR loans.

 
 
September 30,
 
December 31,
 
 
2018
 
2017
 
 
Balance
 
%
 
Balance
 
%
TDR loans in in-school/grace/deferment(1)
 
$
68,848

 
 
 
$
51,745

 
 
TDR loans in forbearance(2)
 
73,403

 
 
 
69,652

 
 
TDR loans in repayment(3) and percentage of each status:
 
 
 
 
 
 
 
 
Loans current
 
954,309

 
90.3
%
 
774,222

 
89.1
%
Loans delinquent 31-60 days(4)
 
51,979

 
4.9

 
48,377

 
5.6

Loans delinquent 61-90 days(4)
 
31,582

 
3.0

 
28,778

 
3.3

Loans delinquent greater than 90 days(4)
 
19,372

 
1.8

 
17,577

 
2.0

Total TDR loans in repayment
 
1,057,242

 
100.0
%
 
868,954

 
100.0
%
Total TDR loans, gross
 
$
1,199,493

 
 
 
$
990,351

 
 
_____
(1) 
Deferment includes customers who have returned to school or are engaged in other permitted educational activities and are not yet required to make payments on the loans (e.g., residency periods for medical students or a grace period for bar exam preparation).
(2) 
Loans for customers who have requested extension of grace period generally during employment transition or who have temporarily ceased making full payments due to hardship or other factors, consistent with established loan program servicing policies and procedures.
(3) 
Loans in repayment include loans on which borrowers are making interest only or fixed payments, as well as loans that have entered full principal and interest repayment status after any applicable grace period.
(4) 
The period of delinquency is based on the number of days scheduled payments are contractually past due.
Modified loans accounts for troubled debt restructuring The following table provides the amount of modified loans (which include forbearance and reductions in interest rates) that became TDRs in the periods presented. Additionally, for the periods presented, the table summarizes charge-offs occurring in the TDR portfolio, as well as TDRs for which a payment default occurred in the relevant period presented and within 12 months of the loan first being designated as a TDR. We define payment default as more than 60 days past due for this disclosure.

 
 
Three Months Ended 
 September 30, 2018
 
Three Months Ended 
 September 30, 2017
 
 
Modified Loans(1)
 
Charge-offs
 
Payment-
Default
 
Modified Loans(1)
 
Charge-offs
 
Payment-
Default
 
 
 
 
 
 
 
 
 
 
 
 
 
TDR Loans
 
$
101,117

 
$
11,090

 
$
20,595

 
$
168,645

 
$
12,227

 
$
28,275



 
 
Nine Months Ended 
 September 30, 2018
 
Nine Months Ended 
 September 30, 2017
 
 
Modified Loans(1)
 
Charge-offs
 
Payment-
Default
 
Modified Loans(1)
 
Charge-offs
 
Payment-
Default
 
 
 
 
 
 
 
 
 
 
 
 
 
TDR Loans
 
$
301,769

 
$
39,315

 
$
68,430

 
$
415,341

 
$
34,965

 
$
77,248

_____
(1) 
Represents the principal balance of loans that have been modified during the period and resulted in a TDR.
Private education loan portfolio stratified by key credit quality indicators The following table highlights the gross principal balance of our Private Education Loan portfolio stratified by key credit quality indicators.

 
 
Private Education Loans
 
 
Credit Quality Indicators
 
 
September 30, 2018
 
December 31, 2017
Credit Quality Indicators:
 
Balance(1)
 
% of Balance
 
Balance(1)
 
% of Balance
 
 
 
 
 
 
 
 
 
Cosigners:
 
 
 
 
 
 
 
 
With cosigner
 
$
18,147,180

 
90
%
 
$
15,658,539

 
90
%
Without cosigner
 
2,092,811

 
10

 
1,773,628

 
10

Total
 
$
20,239,991

 
100
%
 
$
17,432,167

 
100
%
 
 
 
 
 
 
 
 
 
FICO at Original Approval(2):
 
 
 
 
 
 
 
 
Less than 670
 
$
1,373,155

 
7
%
 
$
1,153,591

 
6
%
670-699
 
3,042,228

 
15

 
2,596,959

 
15

700-749
 
6,655,405

 
33

 
5,714,554

 
33

Greater than or equal to 750
 
9,169,203

 
45

 
7,967,063

 
46

Total
 
$
20,239,991

 
100
%
 
$
17,432,167

 
100
%
 
 
 
 
 
 
 
 
 
Seasoning(3):
 
 
 
 
 
 
 
 
1-12 payments
 
$
5,419,487

 
27
%
 
$
4,256,592

 
24
%
13-24 payments
 
3,238,910

 
16

 
3,229,465

 
19

25-36 payments
 
2,533,308

 
13

 
2,429,238

 
14

37-48 payments
 
1,638,309

 
8

 
1,502,327

 
9

More than 48 payments
 
1,473,944

 
7

 
1,256,813

 
7

Not yet in repayment
 
5,936,033

 
29

 
4,757,732

 
27

Total
 
$
20,239,991

 
100
%
 
$
17,432,167

 
100
%

(1) 
Balance represents gross Private Education Loans.
(2) 
Represents the higher credit score of the cosigner or the borrower.
(3) 
Number of months in active repayment (whether interest only payment, fixed payment, or full principal and interest payment status) for which a scheduled payment was due.The following table provides information regarding the loan status of our Personal Loans.


 
 
Personal Loans
 
 
September 30,
 
December 31,
 
 
2018
 
2017
 
 
Balance
 
%
 
Balance
 
%
Loans in repayment and percentage of each status:
 
 
 
 
 
 
 
 
Loans current
 
$
1,123,597

 
99.2
%
 
$
398,988

 
99.7
%
Loans delinquent 31-60 days(1)
 
4,321

 
0.4

 
761

 
0.2

Loans delinquent 61-90 days(1)
 
2,804

 
0.2

 
340

 
0.1

Loans delinquent greater than 90 days(1)
 
2,283

 
0.2

 
191

 
—

Total Personal Loans in repayment
 
1,133,005

 
100.0
%
 
400,280

 
100.0
%
Total Personal Loans, gross
 
1,133,005

 
 
 
400,280

 
 
Personal Loans deferred origination costs and unamortized premium/(discount)
 
164

 
 
 
—

 
 
Total Personal Loans
 
1,133,169

 
 
 
400,280

 
 
Personal Loans allowance for losses
 
(53,210
)
 
 
 
(6,628
)
 
 
Personal Loans, net
 
$
1,079,959

 
 
 
$
393,652

 
 
Delinquencies as a percentage of Personal Loans in repayment
 
 
 
0.8
%
 
 
 
0.3
%
_______
(1) 
The period of delinquency is based on the number of days scheduled payments are contractually past due.The following table highlights the gross principal balance of our Personal Loan portfolio stratified by key credit quality indicators.

 
 
Personal Loans
 
 
Credit Quality Indicators
 
 
September 30, 2018
 
December 31, 2017
Credit Quality Indicators:
 
Balance(1)
 
% of Balance
 
Balance(1)
 
% of Balance
 
 
 
 
 
 
 
 
 
FICO at Original Approval:
 
 
 
 
 
 
 
 
Less than 670
 
$
79,769

 
7
%
 
$
32,156

 
8
%
670-699
 
327,364

 
29

 
114,731

 
29

700-749
 
520,370

 
46

 
182,025

 
45

Greater than or equal to 750
 
205,502

 
18

 
71,368

 
18

Total
 
$
1,133,005

 
100
%
 
$
400,280

 
100
%
 
 
 
 
 
 
 
 
 
Seasoning(2):
 
 
 
 
 
 
 
 
0-12 payments
 
$
1,084,706

 
96
%
 
$
400,280

 
100
%
13-24 payments
 
48,299

 
4

 
—

 
—

25-36 payments
 
—

 
—

 
—

 
—

37-48 payments
 
—

 
—

 
—

 
—

More than 48 payments
 
—

 
—

 
—

 
—

Total
 
$
1,133,005

 
100
%
 
$
400,280

 
100
%
(1) 
Balance represents gross Personal Loans.
(2) 
Number of months in active repayment for which a scheduled payment was due.
Accrued interest receivable The following table provides information regarding accrued interest receivable on our Private Education Loans. The table also discloses the amount of accrued interest on loans greater than 90 days past due as compared to our allowance for uncollectible interest. The allowance for uncollectible interest exceeds the amount of accrued interest on our 90 days past due Private Education Loan portfolio for all periods presented.
 
 
Private Education Loans
 
 
Accrued Interest Receivable
 
 
Total Interest Receivable
 
Greater Than 90 Days Past Due
 
Allowance for Uncollectible Interest
 
 
 
 
 
 
 
September 30, 2018
 
$
1,250,288

 
$
1,594

 
$
6,462

December 31, 2017
 
$
951,138

 
$
1,372

 
$
4,664