Cash America 2015 Annual Report Download - page 52

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Consumer Loan Information by Product
The following tables provide additional information related to each of the Company’s consumer loan
products as of and for the years ended December 31, 2015 and 2014 (dollars in thousands):
Year Ended December 31,
2015 2014
Short-term
loans
Installment
loans Total
Short-term
loans
Installment
loans Total
Consumer loans written and renewed(a)
Company owned $464,427 $6,257 $470,684 $646,232 $9,022 $655,254
Guaranteed by the Company(b) 27,503 75,549 103,052 62,698 24,045 86,743
Combined consumer loans written and
renewed $491,930 $81,806 $573,736 $708,930 $33,067 $741,997
As of December 31,
2015 2014
Ending consumer loan balances, gross
Company owned $29,027 $5,160 $34,187 $42,954 $6,061 $49,015
Guaranteed by the Company(b) 1,137 9,996 11,133 2,718 7,073 9,791
Combined ending consumer loan balances,
gross(d) $30,164 $15,156 $45,320 $45,672 $13,134 $58,806
Allowance and liability for losses
Company owned $1,651 $1,245 $2,896 $2,736 $1,426 $4,162
Guaranteed by the Company(b) 30 1,956 1,986 402 658 1,060
Combined allowance and liability for
losses $1,681 $3,201 $4,882 $3,138 $2,084 $5,222
Ending consumer loan balances, net
Company owned $27,376 $3,915 $31,291 $40,218 $4,635 $44,853
Guaranteed by the Company(b) 1,107 8,040 9,147 2,316 6,415 8,731
Combined ending consumer loan balances,
net(d) $28,483 $11,955 $40,438 $42,534 $11,050 $53,584
Average amount outstanding per
consumer loan (in ones)(a)(c) $458 $1,190 $475 $1,442
Allowance and liability for losses as a %
of combined ending consumer loan
balance, gross(d) 5.6%21.1%10.8%6.9%15.9%8.9%
(a) The disclosure regarding the amount of consumer loans written and renewed and the average amount per consumer loan is statistical data
that is not included in the Company’s financial statements.
(b) The consumer loan balances guaranteed by the Company represent loans originated by third-party lenders through the CSO programs so
these balances are not recorded in the Company’s financial statements. However, the Company has established a liability for estimated
losses in support of its guarantee of these loans, which is reflected in the table above and included in the Company’s consolidated
balance sheets.
(c) The average amount outstanding per consumer loan is calculated as the total amount of combined consumer loans outstanding as of the
end of the period divided by the total number of combined consumer loans outstanding as of the end of the period.
(d) Non-GAAP measure.
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