Finance Assets (Tables)

3 Months Ended

Mar. 31, 2017

Receivables [Abstract]

Financing Receivables

Finance receivables at March 31, 2017 and December 31, 2016 consisted of the following:

	March 31, 2017									December 31, 2016
	North America			International			Total			North America			International			Total
Sales-type lease receivables
Gross finance receivables	$	1,073,533		$	266,437		$	1,339,970		$	1,088,053		$	273,262		$	1,361,315
Unguaranteed residual values	89,292			13,543			102,835			90,190			13,655			103,845
Unearned income	(220,515		)	(61,056		)	(281,571		)	(223,908		)	(60,458		)	(284,366		)
Allowance for credit losses	(8,816		)	(2,569		)	(11,385		)	(8,247		)	(2,647		)	(10,894		)
Net investment in sales-type lease receivables	933,494			216,355			1,149,849			946,088			223,812			1,169,900
Loan receivables
Loan receivables	342,037			34,579			376,616			374,147			32,716			406,863
Allowance for credit losses	(7,369		)	(1,076		)	(8,445		)	(8,517		)	(1,089		)	(9,606		)
Net investment in loan receivables	334,668			33,503			368,171			365,630			31,627			397,257
Net investment in finance receivables	$	1,268,162		$	249,858		$	1,518,020		$	1,311,718		$	255,439		$	1,567,157

Allowance for Credit Losses on Financing Receivables

Activity in the allowance for credit losses for the three months ended March 31, 2017 and 2016 was as follows:

	Sales-type Lease Receivables						Loan Receivables
	North America			International			North America			International			Total
Balance at January 1, 2017	$	8,247		$	2,647		$	8,517		$	1,089		$	20,500
Amounts charged to expense	1,758			178			639			144			2,719
Write-offs and other	(1,189		)	(256		)	(1,787		)	(157		)	(3,389		)
Balance at March 31, 2017	$	8,816		$	2,569		$	7,369		$	1,076		$	19,830
	Sales-type Lease Receivables						Loan Receivables
	North America			International			North America			International			Total
Balance at January 1, 2016	$	6,606		$	3,542		$	10,024		$	1,518		$	21,690
Amounts charged to expense	995			50			1,300			157			2,502
Write-offs and other	(1,705		)	(495		)	(2,138		)	(123		)	(4,461		)
Balance at March 31, 2016	$	5,896		$	3,097		$	9,186		$	1,552		$	19,731

Past Due Financing Receivables

The aging of gross finance receivables at March 31, 2017 and December 31, 2016 was as follows:

	March 31, 2017
	Sales-type Lease Receivables				Loan Receivables
	North America		International		North America		International		Total
1 - 90 days	$	1,004,804	$	262,172	$	333,362	$	34,251	$	1,634,589
> 90 days	68,729		4,265		8,675		328		81,997
Total	$	1,073,533	$	266,437	$	342,037	$	34,579	$	1,716,586
Past due amounts > 90 days
Still accruing interest	$	12,104	$	1,192	$	—	$	—	$	13,296
Not accruing interest	56,625		3,073		8,675		328		68,701
Total	$	68,729	$	4,265	$	8,675	$	328	$	81,997

As of March 31, 2017, we had North America sales-type lease receivables aged greater than 90 days with a contract value of $69 million. As of April 28, 2017, we received payments with a contract value of approximately $26 million related to these receivables.

	December 31, 2016
	Sales-type Lease Receivables				Loan Receivables
	North America		International		North America		International		Total
1 - 90 days	$	1,025,313	$	269,247	$	366,726	$	32,420	$	1,693,706
> 90 days	62,740		4,015		7,421		296		74,472
Total	$	1,088,053	$	273,262	$	374,147	$	32,716	$	1,768,178
Past due amounts > 90 days
Still accruing interest	$	8,831	$	972	$	—	$	—	$	9,803
Not accruing interest	53,909		3,043		7,421		296		64,669
Total	$	62,740	$	4,015	$	7,421	$	296	$	74,472

Financing Receivable Credit Quality Indicators

	March 31, 2017		December 31, 2016
Sales-type lease receivables
Low	$	865,202	$	879,823
Medium	137,624		135,953
High	22,202		22,600
Not Scored	48,505		49,677
Total	$	1,073,533	$	1,088,053
Loan receivables
Low	$	265,626	$	296,598
Medium	54,164		53,647
High	6,078		7,216
Not Scored	16,169		16,686
Total	$	342,037	$	374,147