Cash America 2013 Annual Report Download - page 96

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The average amount per consumer loan is calculated as the total amount of combined consumer loans written
and renewed for the period divided by the total number of combined consumer loans written and renewed for the period.
The following table shows the average amount per consumer loan by product for 2013 compared to 2012:
Year Ended
December 31,
2013 2012
Average amount per consumer loan (in ones)(a)
Retail Services
Short-term loans $ 483 $ 482
Installment loans 2,118 2,580
E-Commerce
D
omestic
Short-term loans $ 511 $ 518
Line of credit accounts(b) 265 279
Installment loans 1,154 1,027
F
oreign
Short-term loans $ 552 $ 567
Line of credit accounts(b) 349 -
Installment loans 1,184 1,155
Consolidated
Short-term loans $ 514 $ 523
Line of credit accounts(b) 299 279
Installment loans 1,207 1,169
Total consumer loans 521 528
__________________________
(a) The disclosure regarding the average amount per consumer loan is statistical data that is not included in the
Company's financial statements.
(b) Represents the average amount of each incremental draw on line of credit accounts.
The average amount per consumer loan decreased to $521 from $528 during 2013 compared 2012, mainly due
to a greater mix of line of credit accounts, which have lower average amounts per loan relative to short-term loans in
2013. This decrease was partially offset by an increase in installment loans, which have a higher average loan amount
relative to short-term loans.
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Consumer Loans Written to New and Existing Customers in the E-commerce Segment
For its e-commerce segment, the Company measures the amount and number of consumer loans written and
renewed that are Company-owned or guaranteed by the Company, as well as the mix between transactions with new
customers and existing customers with whom it has a previous relationship. The amount and number of loans written to
new customers reflect the Company’s ability to acquire customers through its marketing programs and by providing new
products, in addition to its ability to enter new markets. The amount and number of loans written to existing customers
reflect the Company’s ability to retain its customer base through high levels of customer service and customer
satisfaction with the products offered by the Company. Loans written to existing customers include both loans with
customers who have borrowed from the Company’s e-commerce segment before, either in the current year or in prior
years (including customers who may have borrowed through different consumer loan products or brands offered by the
e-commerce segment), and loan renewals.