Cash America 2012 Annual Report Download - page 109

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84
The following tables show consumer loan balances and fees and the relationship of the allowance for losses to
the combined balances of consumer loans by quarter and for the years ended December 31, 2011 and 2010 (dollars in
thousands):
2011
First
Quarter
Second
Quarter
Third
Quarter
Fourth
Quarter
Consumer loan balances and fees receivable:
Gross - Company owned $ 161,145 $ 197,582 $ 238,977 $ 285,850
Gross - Guaranteed by the Company(a) 38,750 47,259 51,218 59,423
Combined consumer loans and fees receivable, gross(b) $ 199,895 $ 244,841 $ 290,195 $ 345,273
Allowance and liability for losses on consumer loans 36,721 39,348 49,822 66,134
Combined consumer loans and fees receivable, net(b) $ 163,174 $ 205,493 $ 240,373 $ 279,139
Allowance and liability for losses as a % of combined
consumer loans and fees receivable, gross(b) 18.4% 16.1% 17.2% 19.2%
(
a
)
Represents loans originated by third-party lenders through the CSO programs, which are not included in the Company's
financial statements.
(b)
Non-GAAP measure.
2010
First
Quarter
Second
Quarter
Third
Quarter
Fourth
Quarter
Consumer loan balances and fees receivable:
Gross - Company owned $ 124,844 $ 152,018 $ 175,066 $ 178,330
Gross - Guaranteed by the Company(a) 40,999 51,141 48,416 52,568
Combined consumer loans and fees receivable, gross(b) $ 165,843 $ 203,159 $ 223,482 $ 230,898
Allowance and liability for losses on consumer loans 28,116 40,048 48,376 41,791
Combined consumer loans and fees receivable, net(b) $ 137,727 $ 163,111 $ 175,106 $ 189,107
Allowance and liability for losses as a % of combined
consumer loans and fees receivable, gross(b) 17.0% 19.7% 21.6% 18.1%
(
a
)
Represents loans originated by third-party lenders through the CSO programs, which are not included in the Company's
financial statements.
(b)
Non-GAAP measure.