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GREEN DOT CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS – (CONTINUED)
68
Note 5—Loans to Bank Customers (continued)
The table below presents our primary credit quality indicators related to our loan portfolio:
December 31, 2012 December 31, 2011
Non-Classified Classified Non-Classified Classified
(In thousands)
Real estate $3,219 $114 $5,125 $361
Commercial 835 249 1,407 10
Installment 2,843 292 2,982 151
Total loans $6,897 $655 $9,514 $522
Purchased Credit-Impaired Loans
The table below presents the remaining unpaid principal balance and carrying amount for purchased credit-impaired
loans:
December 31,
2012 2011
(In thousands)
Unpaid principal balance $729 $1,506
Carrying value excluding allowance for loan losses 350 799
The table below shows activity for the accretable yield on purchased credit-impaired loans:
Year Ended
December 31, 2012
Period Ended
December 31, 2011
(In thousands)
Accretable yield at beginning of period $ 99 $—
Additions —99
Accretion (34)—
Adjustments 62 —
Accretable yield at end of period $127 $ 99
Impaired Loans and Troubled Debt Restructurings
The table below presents key information about our impaired loans at December 31, 2012. Certain impaired loans
do not have a related allowance as the current fair value of these impaired loans exceeds the carrying value. We had
no impaired loans as of December 31, 2011:
December 31, 2012 Year Ended
December 31, 2012
Unpaid Principal
Balance Carrying Value Related
Allowance Average Carrying
Value Interest Income
Recognized
With no recorded allowance (In thousands)
Real estate $ — $ —$—$—$—
Commercial 513 167 — 175 48
Installment 77 33 —35 15
With an allowance recorded
Real estate $ 194 $ 96 $ 88 $ 130 $ 24
Commercial 139 102 25 73 —
Installment 326 139 37 134 58
Total
Real estate $ 194 $ 96 $ 88 $ 130 $ 24
Commercial 652 269 25 248 48
Installment 403 172 37 169 73