Finance Receivables, Net (Tables)

3 Months Ended

Jun. 30, 2018

Receivables [Abstract]

Net Financing Receivables

Finance receivables, net consisted of the following:

	June 30,			March 31,
	2018			2018
Retail receivables	$	42,047		$	41,265
Securitized retail receivables		11,776			12,130
Dealer financing		17,860			17,420
		71,683			70,815
Deferred origination (fees) and costs, net		629			630
Deferred income		(1,383	)		(1,335	)
Allowance for credit losses
Retail and securitized retail receivables		(313	)		(312	)
Dealer financing		(150	)		(151	)
Total allowance for credit losses		(463	)		(463	)
Finance receivables, net	$	70,466		$	69,647

Finance Receivable Credit Quality Indicators

The tables below present each credit quality indicator by class of finance receivables:

	Retail Loan
	June 30,		March 31,
	2018		2018
Aging of finance receivables:
Current	$	52,928	$	52,559
30-59 days past due		642		613
60-89 days past due		186		158
90 days or greater past due		67		65
Total	$	53,823	$	53,395

	Wholesale				Real Estate				Working Capital
	June 30,		March 31,		June 30,		March 31,		June 30,		March 31,
	2018		2018		2018		2018		2018		2018
Credit quality indicators:
Performing	$	9,769	$	9,451	$	4,019	$	4,070	$	2,140	$	2,118
Credit Watch		1,084		946		524		484		117		105
At Risk		106		75		45		29		52		33
Default		4		41		-		47		-		21
Total	$	10,963	$	10,513	$	4,588	$	4,630	$	2,309	$	2,277

Summary of Impaired Loans by Class of Finance Receivable

The following table summarizes the information related to our impaired loans by class of finance receivables: 

	Impaired								Individually Evaluated
	Finance Receivables				Unpaid Principal Balance				Allowance
	June 30,		March 31,		June 30,		March 31,		June 30,		March 31,
	2018		2018		2018		2018		2018		2018
Impaired account balances individually evaluated for impairment with an allowance:
Wholesale	$	111	$	107	$	111	$	107	$	10	$	14
Real estate		54		86		54		86		3		5
Working capital		52		55		52		55		49		51
Total	$	217	$	248	$	217	$	248	$	62	$	70
Impaired account balances individually evaluated for impairment without an allowance:
Wholesale	$	103	$	83	$	103	$	83
Real estate		141		142		141		142
Working capital		21		22		21		22
Total	$	265	$	247	$	265	$	247
Impaired account balances aggregated and evaluated for impairment:
Retail loan	$	225	$	222	$	223	$	220
Total impaired account balances:
Retail loan	$	225	$	222	$	223	$	220
Wholesale		214		190		214		190
Real estate		195		228		195		228
Working capital		73		77		73		77
Total	$	707	$	717	$	705	$	715

The following table summarizes the average impaired loans by class of finance receivables as of the balance sheet date:

	Three Months Ended June 30,
	2018		2017
Impaired account balances individually evaluated   for impairment with an allowance:
Wholesale	$	109	$	109
Real estate		70		94
Working capital		53		39
Total	$	232	$	242
Impaired account balances individually evaluated   for impairment without an allowance:
Wholesale	$	93	$	134
Real estate		141		100
Working capital		22		-
Total	$	256	$	234
Impaired account balances aggregated and evaluated for impairment:
Retail loan	$	224	$	222
Total impaired account balances:
Retail loan	$	224	$	222
Wholesale		202		243
Real estate		211		194
Working capital		75		39
Total	$	712	$	698