Finance Charges and Other Revenue

6 Months Ended

Jul. 31, 2017

Supplemental Disclosure of Finance Charges and Other Revenue [Abstract]

Finance Charges And Other Revenue Disclosure [Text Block]

Finance Charges and Other Revenues

Finance charges and other revenues consisted of the following:

	Three Months Ended   July 31,				Six Months Ended   July 31,
(in thousands)	2017		2016		2017		2016
Interest income and fees	$	69,490	$	54,502	$	136,621	$	115,123
Insurance commissions	10,652		11,219		19,982		20,675
Other revenues	92		437		172		931
	$	80,234	$	66,158	$	156,775	$	136,729

Interest income and fees and insurance commissions are derived from the credit segment operations, whereas other revenues are derived from the retail segment operations. During the three months ended July 31, 2017 and 2016, interest income and fees reflected provisions for uncollectible interest of $10.5 million and $10.2 million and amounts related to TDR accounts of $4.6 million and $4.2 million, respectively. During the six months ended July 31, 2017 and 2016, interest income and fees reflected provisions for uncollectible interest of $20.5 million and $20.2 million and amounts related to TDR accounts of $9.1 million and $8.3 million, respectively.