Harley Davidson 2014 Annual Report Download - page 67

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The allowance for credit losses on finance receivables is comprised of individual components relating to wholesale and
retail finance receivables.€Changes in the allowance for credit losses on finance receivables by portfolio for the year ended
December€31 were as follows (in thousands):€
2014
Retail Wholesale Total
Balance, beginning of period $106,063 $4,630 $110,693
Provision for credit losses 80,237 709 80,946
Charge-offs (102,831)— (102,831)
Recoveries 38,556 — 38,556
Balance, end of period $122,025 $5,339 $127,364
€
2013
Retail Wholesale Total
Balance, beginning of period $101,442 $6,225 $107,667
Provision for credit losses 61,603 (1,595)60,008
Charge-offs (97,928)— (97,928)
Recoveries 40,946 — 40,946
Balance, end of period $106,063 $4,630 $110,693
2012
Retail Wholesale Total
Balance, beginning of period $116,112 $9,337 $125,449
Provision for credit losses 25,252 (3,013)22,239
Charge-offs (86,963)(99)(87,062)
Recoveries 47,041 — 47,041
Balance, end of period $101,442 $6,225 $107,667
The allowance for credit losses and finance receivables by portfolio, segregated by those amounts that are individually
evaluated for impairment and those that are collectively evaluated for impairment, at December€31 were as follows (in
thousands):€
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