Cash America 2012 Annual Report Download - page 110

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85
The following tables show the Company’s loss experience relative to the volume 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 Fiscal Year
Consumer loans written and renewed:(a)
Company owned $ 429,810 $ 489,332 $ 570,658 $ 613,153 $ 2,102,953
Guaranteed by the Company(b) 208,963 214,220 247,341 257,693 928,217
Combined consumer loans written and renewed $ 638,773 $ 703,552 $ 817,999 $ 870,846 $ 3,031,170
Combined consumer loan loss provision as a % of
combined consumer loans written and renewed(a) 6.2% 6.4% 7.4% 9.2% 7.4%
Charge-offs (net of recoveries) as a % of combined
consumer loans written and renewed(a) 7.0% 6.0% 6.1% 7.4% 6.6%
Combined consumer loan loss provision as a % of
consumer loan fees 32.1% 34.1% 37.2% 44.7% 37.7%
(
a
)
The disclosure regarding the amount of consumer loans written and renewed is statistical data that is not included in the Company's
financial statements.
(b)
Represents loans originated by third-party lenders through the CSO programs, which are not included in the Company's financial
statements.
2010
First
Quarter
Second
Quarter
Third
Quarter
Fourth
Quarter Fiscal Year
Consumer loans written and renewed:(a)
Company owned $ 419,694 $ 470,072 $ 533,298 $ 486,106 $ 1,909,170
Guaranteed by the Company(b) 225,568 248,603 289,267 249,709 1,013,147
Combined consumer loans written and renewed $ 645,262 $ 718,675 $ 822,565 $ 735,815 $ 2,922,317
Combined consumer loan loss provision as a % of
combined consumer loans written and renewed(a) 5.3% 6.3% 6.2% 7.1% 6.2%
Charge-offs (net of recoveries) as a % of combined
consumer loans written and renewed(a) 5.6% 4.6% 5.2% 8.0% 5.8%
Combined consumer loan loss provision as a % of
consumer loan fees 31.3% 38.8% 37.9% 39.8% 37.2%
(
a
)
The disclosure regarding the amount of consumer loans written and renewed is statistical data that is not included in the Company's
financial statements.
(b)
Represents loans originated by third-party lenders through the CSO programs, which are not included in the Company's financial
statements.