Goodwill and Intangibles (Tables)

12 Months Ended

Dec. 31, 2016

Goodwill And Intangible Assets Disclosure [Abstract]

Changes in the carrying amount of goodwill are as follows (in thousands):

	Personal Information Services Reporting Unit			Insurance and Other Consumer Services Reporting Unit			Bail Bonds Industry Solutions Reporting Unit			Totals
Balance as of December 31, 2016:
Gross carrying amount	$	35,253		$	10,665		$	1,390		$	47,308
Accumulated impairment losses		(25,837	)		(10,318	)		(1,390	)		(37,545	)
Net carrying value of goodwill		9,416			347			—			9,763

Balance as of December 31, 2015:
Gross carrying amount (1)		33,056			12,862			1,390			47,308
Accumulated impairment losses		(25,837	)		(10,318	)		(1,390	)		(37,545	)
Net carrying value of goodwill		7,219			2,544			—			9,763

____________________

(1)

As a result of a change in one of our business lines that comprise our operating segments, we were required under U.S. GAAP to allocate our beginning goodwill balance between the Personal Information Services and the Insurance and Other Consumer Services reporting units based on a relative fair value approach.

Schedule of Goodwill Impairment Tests

We performed the following interim and annual (October 31) goodwill impairment tests. The results are summarized below:

Reporting Unit

Impairment Test Date

Fair value substantially in excess of carrying value

Percentage, if not substantially in excess

Impairment charge (in thousands)

Personal Information Services

October 31, 2016

Yes

N/A

Insurance and Other Consumer Services (2)

August 31, 2016

Yes

N/A

Insurance and Other Consumer Services (3)

December 31, 2015

N/A

$10,318

Insurance and Other Consumer Services (4)

October 31, 2015

18%

N/A

Personal Information Services (5)

September 30, 2015

Yes

N/A

____________________

(2)

As of October 31, 2016, our annual testing date, we determined that it was more likely than not that the fair value was substantially in excess of its carrying value based upon qualitative factors and the results of our interim impairment test. We tested for impairment as of August 31, 2016 due to the reclassification of our Habits at Work business from our Insurance and Other Consumer Services segment to our Personal Information Services segment. Therefore, it was not necessary to perform the first step of the impairment testing for the Insurance and Other Consumer Services reporting unit at October 31, 2016.

(3)

We considered the Insurance and Other Consumer Services reporting unit to be at risk of failing the first step of an impairment analysis because of the reduced excess fair value and our consideration of other reductions in projected revenue made subsequent to our annual impairment testing date, and therefore we performed an interim test at December 31, 2015. The additional reductions in projected revenue were the result of management’s determination that certain new product initiatives were more likely than not to be significantly delayed compared to the timeline originally projected. Upon completion of the interim impairment test at December 31, 2015, we incurred a goodwill impairment charge of $10.3 million in the year ended December 31, 2015 in our Insurance and Other Consumer Services reporting unit.

(4)

Based upon the results of our annual impairment test, its fair value exceeded carrying value by 18%. The decrease in the excess fair value compared to the annual test performed in 2014 was primarily due to the effect of subscriber cancellations during 2015 on actual and projected cash flows and the elimination of a future product initiative, in combination with an increase in carrying value due to the impact of a reduction in a deferred tax liability, related to our goodwill impairment charge in 2014, for goodwill that is deductible for tax purposes.

(5)

As of October 31, 2015, our annual testing date, we determined that it was more likely than not that the fair value was substantially in excess of its carrying value based upon qualitative factors and the results of our interim impairment test. Therefore, it was not necessary to perform the first step of the impairment testing for the Personal Information Services reporting unit at October 31, 2015.

Amortizable Intangible Assets

Our intangible assets consisted of the following (in thousands):

	December 31, 2016
	Gross Carrying Amount			Accumulated Amortization			Impairment			Net Carrying Amount
Amortizable intangible assets:
Customer related	$	38,874		$	(38,822	)	$	(17	)	$	35
Marketing related		3,336			(3,143	)		(138	)		55
Technology related		4,068			(3,197	)		(751	)		120
Subtotal	$	46,278		$	(45,162	)	$	(906	)	$	210
Less: held for sale		(1,704	)		1,704			—			—
Total amortizable intangible assets	$	44,574		$	(43,458	)	$	(906	)	$	210

	December 31, 2015
	Gross Carrying Amount		Accumulated Amortization			Impairment		Net Carrying Amount
Amortizable intangible assets:
Customer related	$	38,874	$	(38,552	)	$	—	$	322
Marketing related		3,336		(3,069	)		—		267
Technology related		4,068		(2,964	)		—		1,104
Total amortizable intangible assets	$	46,278	$	(44,585	)	$	—	$	1,693

Amortization Expense for Future Periods

We estimate that we will have the following amortization expense for the future periods indicated below (in thousands)

For the years ending December 31,
2017	$	152
2018		58
Total	$	210