Cash America 2014 Annual Report Download - page 81

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66
Consumer Loan Information by Product
The following tables provide additional information related to each of the Company’s consumer loan
products as of and for the year ended December 31, 2013 and 2012 (dollars in thousands):
2013 2012
Short-term consumer loans:
Consumer loan loss provision $
27,513
$25,283
Charge-offs (net of recoveries)
27,628
24,795
Allowance and liability for losses 4,232 4,347
Short-term consumer loans written and renewed:(a)
Company owned $
712,253
$743,575
Guaranteed by the Company(b)
104,236
145,221
Combined consumer loans written and renewed $
816,489
$888,796
Short-term consumer loans and fees receivable:
Gross - Company owned $
49,856
$52,171
Gross - Guaranteed by the Company
(b)
4,900 7,134
Combined consumer loans and fees receivable, gross
(c)
$
54,756
$59,305
Short-term consumer loan ratios:
Consumer loan loss provision as a % of combined consumer loans written and renewed(a)
3.4
%
2.8
%
Charge-offs (net of recoveries) as a % of combined consumer loans written and renewed(a)
3.4
%
2.8
%
Consumer loan loss provision as a % of consumer loan fees
27.5
%
23.0
%
Allowance and liability for losses as a % of combined consumer loans and fees receivable,
gross(c)
7.7
%
7.3
%
(a) The disclosure regarding the amount of short-term 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.
(c) Non-GAAP measure.
2013 2012
Installment loans:
Consumer loan loss provision $5,846 $3,942
Charge-offs (net of recoveries) 5,441 3,575
Allowance and liability for losses 1,709 1,304
Installment loan ratios:
Consumer loan loss provision as a % of consumer loan fees
44.7
%
33.1
%
Allowance and liability for losses as a % of combined ending consumer loan balance(a) 7.6
%
6.3
%
(a) Non-GAAP measure.