Cash America 2015 Annual Report Download - page 61

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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, 2014 and 2013 (dollars in thousands):
Year Ended December 31,
2014 2013
Short-
term loans
Installment
loans Total
Short-
term loans
Installment
loans Total
Consumer loans written and renewed(a)
Company owned $646,232 $9,022 $655,254 $712,253 $7,488 $719,741
Guaranteed by the Company(b) 62,698 24,045 86,743 104,236 21,734 125,970
Combined consumer loans written and
renewed $708,930 $33,067 $741,997 $816,489 $29,222 $845,711
As of December 31,
2014 2013
Ending consumer loan balances, gross
Company owned $42,954 $6,061 $49,015 $49,856 $9,787 $59,643
Guaranteed by the Company(b) 2,718 7,073 9,791 4,900 12,639 17,539
Combined ending consumer loan
balances, gross(d) $45,672 $13,134 $58,806 $54,756 $22,426 $77,182
Allowance and liability for losses
Company owned $2,736 $1,426 $4,162 $3,960 $951 $4,911
Guaranteed by the Company(b) 402 658 1,060 272 758 1,030
Combined allowance and liability for
losses $3,138 $2,084 $5,222 $4,232 $1,709 $5,941
Ending consumer loan balances, net
Company owned $40,218 $4,635 $44,853 $45,896 $8,836 $54,732
Guaranteed by the Company(b) 2,316 6,415 8,731 4,628 11,881 16,509
Combined ending consumer loan
balances, net(d) $42,534 $11,050 $53,584 $50,524 $20,717 $71,241
Average amount outstanding per
consumer loan (in ones)(a)(c) $475 $1,442 $474 $2,083
Allowance and liability for losses as a %
of combined ending consumer loan
balance, gross(d) 6.9%15.9%8.9%7.7%7.6%7.7%
(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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