2.2.0.7 false Allowances and Accruals for Losses on Consumer Loans 00920 - Disclosure - Allowances and Accruals for Losses on Consumer Loans true false false false 1 USD false false USD Standard http://www.xbrl.org/2003/iso4217 USD iso4217 0 eps Divide http://www.xbrl.org/2003/iso4217 USD iso4217 http://www.xbrl.org/2003/instance shares xbrli 0 shares Standard http://www.xbrl.org/2003/instance shares xbrli 0 $ 2 Consumer Loans Abstract 0 csh_ConsumerLoansAbstract csh false na duration No definition available. false false false false false true false false false false false false 1 false false false false 0 0 false false false xbrli:stringItemType string No definition available. false 3 Allowances and Accruals for Losses on Consumer Loans 1 csh_ConsumerLoansTextBlock csh false na duration No definition available. false false false false false false false false false false false terselabel false 1 false false false false 0 0 3. Allowances and Accruals for Losses on Consumer LoansIn order to manage the portfolio of consumer loans effectively, the Company utilizes a variety of underwriting criteria, monitors the performance of the portfolio and maintains either an allowance or accrual for losses on consumer loans (including fees and interest) at a level estimated to be adequate to absorb credit losses inherent in the portfolio. The portfolio includes balances outstanding from all consumer loans, including short-term single payment loans, receivables acquired through the MLOC services channel, and multi-payment installment loans. In addition, the Company maintains an accrual for losses related to loans guaranteed under CSO programs. The allowance for losses on Company-owned consumer loans offsets the outstanding loan amounts in the consolidated balance sheets. See Note 1 for a discussion of the Company's consumer loan products.  The Company stratifies the outstanding combined consumer loan portfolio by age, delinquency, and stage of collection when assessing the adequacy of the allowance or accrual for losses. It uses historical collection performance adjusted for recent portfolio performance trends to develop the expected loss rates used to establish either the allowance or accrual. Increases in either the allowance or accrual are recorded as a consumer loan loss provision expense in the consolidated statements of income. The Company charges off all consumer loans once they have been in default for 60 days, or sooner if deemed uncollectible. Recoveries on losses previously charged to the allowance are credited to the allowance when collected.  The allowance deducted from the carrying value of consumer loans was $36.7 million, $22.2 million, and $27.4 million at June 30, 2010 and 2009, and December 31, 2009, respectively. The accrual for losses on consumer loan guaranty obligations was $3.3 million, $2.1 million and $2.9 million at June 30, 2010 and 2009, and December 31, 2009, respectively, and is included in "Accounts payable and accrued liabilities" on the Company's balance sheet. The components of Company-owned consumer loans and receivables at June 30, 2010 and 2009, and December 31, 2009 were as follows (in thousands):  <div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 17px"><td style="width: 352px; text-align:left;border-color:#000000;min-width:352px;"> </td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;"> </td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;"> </td><td style="width: 13px; text-align:left;border-color:#000000;min-width:13px;"> </td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;"> </td><td style="width: 13px; text-align:left;border-color:#000000;min-width:13px;"> </td><td style="width: 85px; text-align:left;border-color:#000000;min-width:85px;"> </td></tr><tr style="height: 20px"><td style="width: 352px; text-align:left;border-color:#000000;min-width:352px;"> </td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;"> </td><td colspan="3" style="width: 141px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:141px;">June 30,</td><td style="width: 13px; text-align:center;border-color:#000000;min-width:13px;"> </td><td style="width: 85px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:85px;">December 31,</td></tr><tr style="height: 19px"><td style="width: 352px; text-align:left;border-color:#000000;min-width:352px;"> </td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;"> </td><td style="width: 64px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:64px;">2010</td><td style="width: 13px; text-align:center;border-color:#000000;min-width:13px;"> </td><td style="width: 64px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:64px;">2009</td><td style="width: 13px; text-align:center;border-color:#000000;min-width:13px;"> </td><td style="width: 85px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:85px;">2009</td></tr><tr style="height: 19px"><td style="width: 352px; text-align:left;border-color:#000000;min-width:352px;"> Consumer loans and fees receivable </td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;">$</td><td style="width: 64px; border-color:#000000;min-width:64px;">116,424</td><td style="width: 13px; text-align:right;border-color:#000000;min-width:13px;">$</td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;">95,578</td><td style="width: 13px; text-align:right;border-color:#000000;min-width:13px;">$</td><td style="width: 85px; text-align:right;border-color:#000000;min-width:85px;">107,765</td></tr><tr style="height: 19px"><td style="width: 352px; text-align:left;border-color:#000000;min-width:352px;"> Loans purchased under guarantees</td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;"> </td><td style="width: 64px; border-color:#000000;min-width:64px;">17,402</td><td style="width: 13px; text-align:right;border-color:#000000;min-width:13px;"> </td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;">11,150</td><td style="width: 13px; text-align:right;border-color:#000000;min-width:13px;"> </td><td style="width: 85px; text-align:right;border-color:#000000;min-width:85px;">16,821</td></tr><tr style="height: 1px"><td style="width: 352px; text-align:left;border-color:#000000;min-width:352px;"> </td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;"> </td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;"> </td><td style="width: 13px; text-align:right;border-color:#000000;min-width:13px;"> </td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"> </td><td style="width: 13px; text-align:right;border-color:#000000;min-width:13px;"> </td><td style="width: 85px; text-align:right;border-color:#000000;min-width:85px;"> </td></tr><tr style="height: 1px"><td style="width: 352px; text-align:left;border-color:#000000;min-width:352px;"> </td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;"> </td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;"> </td><td style="width: 13px; text-align:right;border-color:#000000;min-width:13px;"> </td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"> </td><td style="width: 13px; text-align:right;border-color:#000000;min-width:13px;"> </td><td style="width: 85px; text-align:right;border-color:#000000;min-width:85px;"> </td></tr><tr style="height: 1px"><td style="width: 352px; text-align:left;border-color:#000000;min-width:352px;"> </td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;"> </td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;"> </td><td style="width: 13px; text-align:right;border-color:#000000;min-width:13px;"> </td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"> </td><td style="width: 13px; text-align:right;border-color:#000000;min-width:13px;"> </td><td style="width: 85px; text-align:right;border-color:#000000;min-width:85px;"> </td></tr><tr style="height: 16px"><td style="width: 352px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:352px;"> Loans purchased under participation agreements</td><td style="width: 14px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:14px;"> </td><td style="width: 64px; border-bottom-style:solid;border-bottom-width:1px;border-color:#000000;min-width:64px;">18,192</td><td style="width: 13px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:13px;"> </td><td style="width: 64px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:64px;">5,245</td><td style="width: 13px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:13px;"> </td><td style="width: 85px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:85px;">11,553</td></tr><tr style="height: 16px"><td style="width: 352px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:352px;"> Company-owned consumer loans and fees receivable, gross </td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;"> </td><td style="width: 64px; border-color:#000000;min-width:64px;">152,018</td><td style="width: 13px; text-align:right;border-color:#000000;min-width:13px;"> </td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;">111,973</td><td style="width: 13px; text-align:right;border-color:#000000;min-width:13px;"> </td><td style="width: 85px; text-align:right;border-color:#000000;min-width:85px;">136,139</td></tr><tr style="height: 16px"><td style="width: 352px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:352px;"> Less: Allowance for losses </td><td style="width: 14px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:14px;"> </td><td style="width: 64px; border-bottom-style:solid;border-bottom-width:1px;border-color:#000000;min-width:64px;">36,723</td><td style="width: 13px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:13px;"> </td><td style="width: 64px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:64px;">22,163</td><td style="width: 13px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:13px;"> </td><td style="width: 85px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:85px;">27,350</td></tr><tr style="height: 7px"><td style="width: 352px; text-align:left;border-color:#000000;min-width:352px;"> </td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;"> </td><td style="width: 64px; text-align:left;border-color:#000000;min-width:64px;"> </td><td style="width: 13px; text-align:right;border-color:#000000;min-width:13px;"> </td><td style="width: 64px; text-align:right;border-color:#000000;min-width:64px;"> </td><td style="width: 13px; text-align:right;border-color:#000000;min-width:13px;"> </td><td style="width: 85px; text-align:right;border-color:#000000;min-width:85px;"> </td></tr><tr style="height: 20px"><td style="width: 352px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:352px;"> Consumer loans and fees receivable, net </td><td style="width: 14px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:14px;">$</td><td style="width: 64px; border-bottom-style:solid;border-bottom-width:2px;border-color:#000000;min-width:64px;">115,295</td><td style="width: 13px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:13px;">$</td><td style="width: 64px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:64px;">89,810</td><td style="width: 13px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:13px;">$</td><td style="width: 85px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:85px;">108,789</td></tr></table></div>Changes in the allowance for losses for the Company-owned portfolio and the accrued loss for third-party lender-owned portfolios during the three and six months ended June 30, 2010 and 2009 were as follows (in thousands):<div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 17px"><td style="width: 333px; text-align:left;border-color:#000000;min-width:333px;"> </td><td style="width: 14px; text-align:center;border-color:#000000;min-width:14px;"> </td><td colspan="3" style="width: 149px; text-align:center;border-color:#000000;min-width:149px;">Three Months Ended</td><td style="width: 14px; text-align:center;border-color:#000000;min-width:14px;"> </td><td colspan="3" style="width: 151px; text-align:center;border-color:#000000;min-width:151px;">Six Months Ended</td></tr><tr style="height: 16px"><td style="width: 333px; text-align:left;border-color:#000000;min-width:333px;"> </td><td style="width: 14px; text-align:center;border-color:#000000;min-width:14px;"> </td><td colspan="3" style="width: 149px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:149px;">June 30,</td><td style="width: 14px; text-align:center;border-color:#000000;min-width:14px;"> </td><td colspan="3" style="width: 151px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:151px;">June 30,</td></tr><tr style="height: 16px"><td style="width: 333px; text-align:left;border-color:#000000;min-width:333px;"> </td><td style="width: 14px; text-align:center;border-color:#000000;min-width:14px;"> </td><td style="width: 71px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:71px;">2010</td><td style="width: 9px; text-align:center;border-color:#000000;min-width:9px;"> </td><td style="width: 69px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:69px;">2009</td><td style="width: 14px; text-align:center;border-color:#000000;min-width:14px;"> </td><td style="width: 68px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:68px;">2010</td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;"> </td><td style="width: 73px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:73px;">2009</td></tr><tr style="height: 7px"><td style="width: 333px; text-align:left;border-color:#000000;min-width:333px;"> </td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;"> </td><td style="width: 71px; text-align:left;border-color:#000000;min-width:71px;"> </td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;"> </td><td style="width: 69px; text-align:left;border-color:#000000;min-width:69px;"> </td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;"> </td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 73px; text-align:left;border-color:#000000;min-width:73px;"> </td></tr><tr style="height: 34px"><td style="width: 333px; text-align:left;border-color:#000000;min-width:333px;">Allowance for losses for Company-owned consumer loans:</td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;"> </td><td style="width: 71px; text-align:left;border-color:#000000;min-width:71px;"> </td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;"> </td><td style="width: 69px; text-align:left;border-color:#000000;min-width:69px;"> </td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;"> </td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 73px; text-align:left;border-color:#000000;min-width:73px;"> </td></tr><tr style="height: 7px"><td style="width: 333px; text-align:left;border-color:#000000;min-width:333px;"> </td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;"> </td><td style="width: 71px; text-align:left;border-color:#000000;min-width:71px;"> </td><td style="width: 9px; text-align:left;border-color:#000000;min-width:9px;"> </td><td style="width: 69px; text-align:left;border-color:#000000;min-width:69px;"> </td><td style="width: 14px; text-align:left;border-color:#000000;min-width:14px;"> </td><td style="width: 68px; text-align:left;border-color:#000000;min-width:68px;"> </td><td style="width: 10px; text-align:left;border-color:#000000;min-width:10px;"> </td><td style="width: 73px; text-align:left;border-color:#000000;min-width:73px;"> </td></tr><tr style="height: 16px"><td style="width: 333px; text-align:left;border-color:#000000;min-width:333px;">Balance at beginning of period </td><td style="width: 14px; text-align:right;border-color:#000000;min-width:14px;">$</td><td style="width: 71px; text-align:right;border-color:#000000;min-width:71px;"> 25,823</td><td style="width: 9px; text-align:right;border-color:#000000;min-width:9px;">$</td><td style="width: 69px; text-align:right;border-color:#000000;min-width:69px;"> 17,278</td><td style="width: 14px; text-align:right;border-color:#000000;min-width:14px;">$</td><td style="width: 68px; text-align:right;border-color:#000000;min-width:68px;"> 27,350</td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">$</td><td style="width: 73px; text-align:right;border-color:#000000;min-width:73px;"> 21,495</td></tr><tr style="height: 14px"><td style="width: 333px; text-align:left;border-color:#000000;min-width:333px;"> Consumer loan loss provision </td><td style="width: 14px; text-align:right;border-color:#000000;min-width:14px;"> </td><td style="width: 71px; text-align:right;border-color:#000000;min-width:71px;"> 43,902</td><td style="width: 9px; text-align:right;border-color:#000000;min-width:9px;"> </td><td style="width: 69px; text-align:right;border-color:#000000;min-width:69px;"> 28,641</td><td style="width: 14px; text-align:right;border-color:#000000;min-width:14px;"> </td><td style="width: 68px; text-align:right;border-color:#000000;min-width:68px;"> 78,446</td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 73px; text-align:right;border-color:#000000;min-width:73px;"> 54,028</td></tr><tr style="height: 14px"><td style="width: 333px; text-align:left;border-color:#000000;min-width:333px;"> Charge-offs </td><td style="width: 14px; text-align:right;border-color:#000000;min-width:14px;"> </td><td style="width: 71px; text-align:right;border-color:#000000;min-width:71px;"> (38,591)</td><td style="width: 9px; text-align:right;border-color:#000000;min-width:9px;"> </td><td style="width: 69px; text-align:right;border-color:#000000;min-width:69px;"> (28,215)</td><td style="width: 14px; text-align:right;border-color:#000000;min-width:14px;"> </td><td style="width: 68px; text-align:right;border-color:#000000;min-width:68px;"> (82,833)</td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 73px; text-align:right;border-color:#000000;min-width:73px;"> (63,141)</td></tr><tr style="height: 16px"><td style="width: 333px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:333px;"> Recoveries </td><td style="width: 14px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:14px;"> </td><td style="width: 71px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:71px;"> 5,589</td><td style="width: 9px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:9px;"> </td><td style="width: 69px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:69px;"> 4,459</td><td style="width: 14px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:14px;"> </td><td style="width: 68px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"> 13,760</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 73px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:73px;"> 9,781</td></tr><tr style="height: 7px"><td style="width: 333px; text-align:left;border-color:#000000;min-width:333px;"> </td><td style="width: 14px; text-align:right;border-color:#000000;min-width:14px;"> </td><td style="width: 71px; text-align:right;border-color:#000000;min-width:71px;"> </td><td style="width: 9px; text-align:right;border-color:#000000;min-width:9px;"> </td><td style="width: 69px; text-align:left;border-color:#000000;min-width:69px;"> </td><td style="width: 14px; text-align:right;border-color:#000000;min-width:14px;"> </td><td style="width: 68px; text-align:right;border-color:#000000;min-width:68px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 73px; text-align:left;border-color:#000000;min-width:73px;"> </td></tr><tr style="height: 16px"><td style="width: 333px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:333px;">Balance at end of period </td><td style="width: 14px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:14px;">$</td><td style="width: 71px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:71px;"> 36,723</td><td style="width: 9px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:9px;">$</td><td style="width: 69px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:69px;"> 22,163</td><td style="width: 14px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:14px;">$</td><td style="width: 68px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:68px;"> 36,723</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:10px;">$</td><td style="width: 73px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:73px;"> 22,163</td></tr><tr style="height: 7px"><td style="width: 333px; text-align:left;border-color:#000000;min-width:333px;"> </td><td style="width: 14px; text-align:right;border-color:#000000;min-width:14px;"> </td><td style="width: 71px; text-align:right;border-color:#000000;min-width:71px;"> </td><td style="width: 9px; text-align:right;border-color:#000000;min-width:9px;"> </td><td style="width: 69px; text-align:left;border-color:#000000;min-width:69px;"> </td><td style="width: 14px; text-align:right;border-color:#000000;min-width:14px;"> </td><td style="width: 68px; text-align:right;border-color:#000000;min-width:68px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 73px; text-align:left;border-color:#000000;min-width:73px;"> </td></tr><tr style="height: 34px"><td style="width: 333px; text-align:left;border-color:#000000;min-width:333px;">Accrual for third-party lender-owned consumer loans:</td><td style="width: 14px; text-align:right;border-color:#000000;min-width:14px;"> </td><td style="width: 71px; text-align:right;border-color:#000000;min-width:71px;"> </td><td style="width: 9px; text-align:right;border-color:#000000;min-width:9px;"> </td><td style="width: 69px; text-align:left;border-color:#000000;min-width:69px;"> </td><td style="width: 14px; text-align:right;border-color:#000000;min-width:14px;"> </td><td style="width: 68px; text-align:right;border-color:#000000;min-width:68px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 73px; text-align:left;border-color:#000000;min-width:73px;"> </td></tr><tr style="height: 7px"><td style="width: 333px; text-align:left;border-color:#000000;min-width:333px;"> </td><td style="width: 14px; text-align:right;border-color:#000000;min-width:14px;"> </td><td style="width: 71px; text-align:right;border-color:#000000;min-width:71px;"> </td><td style="width: 9px; text-align:right;border-color:#000000;min-width:9px;"> </td><td style="width: 69px; text-align:left;border-color:#000000;min-width:69px;"> </td><td style="width: 14px; text-align:right;border-color:#000000;min-width:14px;"> </td><td style="width: 68px; text-align:right;border-color:#000000;min-width:68px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 73px; text-align:left;border-color:#000000;min-width:73px;"> </td></tr><tr style="height: 16px"><td style="width: 333px; text-align:left;border-color:#000000;min-width:333px;">Balance at beginning of period </td><td style="width: 14px; text-align:right;border-color:#000000;min-width:14px;">$</td><td style="width: 71px; text-align:right;border-color:#000000;min-width:71px;"> 2,293</td><td style="width: 9px; text-align:right;border-color:#000000;min-width:9px;">$</td><td style="width: 69px; border-color:#000000;min-width:69px;"> 1,522</td><td style="width: 14px; text-align:right;border-color:#000000;min-width:14px;">$</td><td style="width: 68px; text-align:right;border-color:#000000;min-width:68px;"> 2,944</td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;">$</td><td style="width: 73px; border-color:#000000;min-width:73px;"> 2,135</td></tr><tr style="height: 16px"><td style="width: 333px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:333px;"> Increase (decrease) in loss provision </td><td style="width: 14px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:14px;"> </td><td style="width: 71px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:71px;"> 1,032</td><td style="width: 9px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:9px;"> </td><td style="width: 69px; border-bottom-style:solid;border-bottom-width:1px;border-color:#000000;min-width:69px;"> 537</td><td style="width: 14px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:14px;"> </td><td style="width: 68px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:68px;"> 381</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 73px; border-bottom-style:solid;border-bottom-width:1px;border-color:#000000;min-width:73px;"> (76)</td></tr><tr style="height: 7px"><td style="width: 333px; text-align:left;border-color:#000000;min-width:333px;"> </td><td style="width: 14px; text-align:right;border-color:#000000;min-width:14px;"> </td><td style="width: 71px; text-align:right;border-color:#000000;min-width:71px;"> </td><td style="width: 9px; text-align:right;border-color:#000000;min-width:9px;"> </td><td style="width: 69px; text-align:left;border-color:#000000;min-width:69px;"> </td><td style="width: 14px; text-align:right;border-color:#000000;min-width:14px;"> </td><td style="width: 68px; text-align:right;border-color:#000000;min-width:68px;"> </td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 73px; text-align:left;border-color:#000000;min-width:73px;"> </td></tr><tr style="height: 16px"><td style="width: 333px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:333px;">Balance at end of period </td><td style="width: 14px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:14px;">$</td><td style="width: 71px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:71px;"> 3,325</td><td style="width: 9px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:9px;">$</td><td style="width: 69px; border-bottom-style:solid;border-bottom-width:2px;border-color:#000000;min-width:69px;"> 2,059</td><td style="width: 14px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:14px;">$</td><td style="width: 68px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:68px;"> 3,325</td><td style="width: 10px; border-bottom-style:solid;border-bottom-width:2px;text-align:right;border-color:#000000;min-width:10px;">$</td><td style="width: 73px; border-bottom-style:solid;border-bottom-width:2px;border-color:#000000;min-width:73px;"> 2,059</td></tr></table></div> 3. Allowances and Accruals for Losses on Consumer LoansIn order to manage the portfolio of consumer loans effectively, the Company utilizes a variety of false false false us-types:textBlockItemType textblock No definition available. No authoritative reference available. false 1 2 false UnKnown UnKnown UnKnown false true