Finance Receivables (Tables)

3 Months Ended

Mar. 31, 2013

Finance Receivables

Schedule of components of net finance receivables by type

	Personal			Retail			Real
(dollars in thousands)	Loans			Sales Finance			Estate Loans			Total
March 31, 2013
Gross receivables	$	2,998,428		$	189,804		$	8,564,490		$	11,752,722
Unearned finance charges and points and fees	(416,533		)	(20,588		)	(4,715		)	(441,836		)
Accrued finance charges	34,974			1,707			48,470			85,151
Deferred origination costs	31,292			-			332			31,624
Premiums, net of discounts	-			(2		)	(193		)	(195		)
Total	$	2,648,161		$	170,921		$	8,608,384		$	11,427,466
December 31, 2012
Gross receivables	$	2,984,423		$	233,300		$	8,793,664		$	12,011,387
Unearned finance charges and points and fees	(402,828		)	(27,087		)	(5,910		)	(435,825		)
Accrued finance charges	36,937			2,148			50,666			89,751
Deferred origination costs	31,200			-			351			31,551
Premiums, net of discounts	-			(4		)	(133		)	(137		)
Total	$	2,649,732		$	208,357		$	8,838,638		$	11,696,727

Schedule of delinquency by finance receivable type

	Personal		Retail		Real
(dollars in thousands)	Loans		Sales Finance		Estate Loans		Total
March 31, 2013
Net finance receivables:
60-89 days past due	$	17,977	$	1,373	$	82,753	$	102,103
90-119 days past due	13,674		1,021		59,751		74,446
120-149 days past due	12,679		792		50,583		64,054
150-179 days past due	9,398		462		47,980		57,840
180 days or more past due	2,920		231		382,353		385,504
Total delinquent finance receivables	56,648		3,879		623,420		683,947
Current	2,560,004		164,040		7,819,577		10,543,621
30-59 days past due	31,509		3,002		165,387		199,898
Total	$	2,648,161	$	170,921	$	8,608,384	$	11,427,466
December 31, 2012
Net finance receivables:
60-89 days past due	$	21,683	$	2,107	$	99,472	$	123,262
90-119 days past due	17,538		1,416		73,712		92,666
120-149 days past due	14,050		1,171		57,985		73,206
150-179 days past due	9,613		743		45,326		55,682
180 days or more past due	12,107		331		382,227		394,665
Total delinquent finance receivables	74,991		5,768		658,722		739,481
Current	2,534,960		197,392		7,983,413		10,715,765
30-59 days past due	39,781		5,197		196,503		241,481
Total	$	2,649,732	$	208,357	$	8,838,638	$	11,696,727

Schedule of performing and nonperforming net finance receivables by type

	Personal		Retail		Real
(dollars in thousands)	Loans		Sales Finance		Estate Loans		Total
March 31, 2013
Performing	$	2,609,490	$	168,415	$	8,067,717	$	10,845,622
Nonperforming	38,671		2,506		540,667		581,844
Total	$	2,648,161	$	170,921	$	8,608,384	$	11,427,466
December 31, 2012
Performing	$	2,596,424	$	204,696	$	8,279,388	$	11,080,508
Nonperforming	53,308		3,661		559,250		616,219
Total	$	2,649,732	$	208,357	$	8,838,638	$	11,696,727

Schedule of information regarding purchased credit impaired finance receivables

	March 31,		December 31,
(dollars in thousands)	2013		2012
Carrying amount, net of allowance	$	1,340,949	$	1,373,792
Outstanding balance	$	1,911,443	$	1,957,260
Allowance for purchased credit impaired finance receivable losses	$	29,145	$	16,973

Schedule of changes in accretable yield for purchased credit impaired finance receivables

(dollars in thousands)
At or for the Three Months Ended March 31,	2013			2012
Balance at beginning of period	$	624,879		$	463,960
Accretion	(32,831		)	(31,700		)
Disposals	(7,128		)	(5,989		)
Balance at end of period	$	584,920		$	426,271

Schedule of information regarding TDR finance receivables

	Real Estate
(dollars in thousands)	Loans
March 31, 2013
TDR gross finance receivables	$	963,851
TDR net finance receivables	$	967,900
Allowance for TDR finance receivable losses	$	119,470
December 31, 2012
TDR gross finance receivables	$	802,495
TDR net finance receivables	$	806,420
Allowance for TDR finance receivable losses	$	92,723

Schedule of TDR average net receivables and finance charges recognized on TDR finance receivables

(dollars in thousands)
Three Months Ended March 31,	2013		2012
Real Estate Loans
TDR average net receivables	$	912,832	$	323,392
TDR finance charges recognized	$	14,642	$	4,195

Schedule of information regarding the financial effects of the TDR finance receivables

(dollars in thousands)
Three Months Ended March 31,	2013		2012
Real Estate Loans
Number of TDR accounts	2,032		623
Pre-modification TDR net finance receivables	$	163,616	$	73,873
Post-modification TDR net finance receivables	$	171,086	$	72,834

Schedule of net finance receivables that were modified as TDR finance receivables within the previous 12 months and for which there was a default during the period

(dollars in thousands)
Three Months Ended March 31,	2013		2012
Real Estate Loans
Number of TDR accounts	216		161
TDR net finance receivables*	$	17,978	$	19,165

* Represents the corresponding balance of TDR net finance receivables at the end of the month in which they defaulted.