Cash America 2014 Annual Report Download - page 80

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65
The following table sets forth interest and fees on consumer loans by product type, and the related loan loss
provision for the years ended December 31, 2013 and 2012 (dollars in thousands):
Year Ended December 31,
2013 2012
Short-term
loans
Installment
loans Total
Short-term
loans
Installment
loans Total
Consumer loan fees $100,146 $13,065 $113,211 $
109,972
$11,920 $121,892
Less: consumer loan loss provision 27,513 5,846 33,359
25,283
3,942 29,225
Consumer loan fees, net loss provision $72,633 $7,219 $79,852 $
84,689
$7,978 $92,667
Year-over-year change—$ $
(12,056
) $ (759) $ (12,815)$
(4,854
) $ 2,330 $
(2,524
)
Year-over-year change—% (14.2
)%
(9.5)% (13.8
)%
(5.4
)%
41.3
%
(2.7
)%
Consumer loan loss provision as a %
of consumer loan fees
27.5
%
44.7
%29.5
%
23.0
%
33.1
%
24.0
%
The table below shows the average amount per consumer loan by product for 2013 compared to 2012. The
decrease in the average amount of installment loans outstanding from December 31, 2012 to December 31, 2013
was primarily due to a change in the mix of products in the installment loan portfolio. In 2013, the Company
introduced an installment loan product that had a lower average balance relative to its other installment loan
products, which resulted in a decrease in the average loan outstanding for 2013.
Year Ended December 31,
2013 2012
Average amount per consumer loan (in ones)(a)
Short-term loans $474 $
473
Installment loans 2,083
3,069
(a) The disclosure regarding the average amount per consumer loan is statistical data that is not included in the Company’s financial
statements.