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FORD MOTOR CO

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2.2.0.25falsefalse001300 - Disclosure - Allowance for Credit Lossestruefalsefalse1falsefalseUSDfalsefalse1/1/2010 - 12/31/2010 USD ($) USD ($) / shares $Cur_12mos_20101231http://www.sec.gov/CIK0000037996duration2010-01-01T00:00:002010-12-31T00:00:00USDStandardhttp://www.xbrl.org/2003/iso4217USDiso42170PureStandardhttp://www.xbrl.org/2003/instancepurexbrli0SharesStandardht tp://www.xbrl.org/2003/instancesharesxbrli0USD_Per_ShareDividehttp://www.xbrl.org/2003/iso4217USDiso4217http://www.xbrl.org/2003/instancesharesxbrli0USDUSD$2true0f_AllowanceForCreditLossesFinancialServicesSectorAb stractffalsenadurationNo definition available.falsefalsefalsefalsefalsefalsefalsefalsefalsefalse1falsefalsefalse00falsefalsefalsefalsefalseOtherxbrli:stringItemTypestringNo definition available.falsefalse3false0f_AllowanceForCreditLossesDisclosureTextBlockffalsenadurationThis item represents the entire disclosure for the allowance for credit losses, which represents the reserve to cover...falsefalsefalsefalsefalsefalsefalsefalsefalsefalseterselabel1falsefalsefalse00<div class="BWxbrlnote9"><div style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"><div><div> <div style="DISPLAY: block; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: center"> &nbsp; </div><a id="xbrlnote9" name="xbrlnote9" style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">NOTE 9.&nbsp;&nbsp;ALLOWANCE FOR CREDIT LOSSES</a> <div style="DISPLAY: block; TEXT-INDENT: 0pt"> <br /> </div> <div style="DISPLAY: block; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> Automotive Sector </div> <div style="DISPLAY: block; TEXT-INDENT: 0pt"> <br /> </div> <div style="DISPLAY: block; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> <font style="MARGIN-LEFT: 15pt">&nbsp;</font>We estimate credit loss reserves for notes receivable on an individual receivable basis.&nbsp;&nbsp;A specific reserve is established based on expected future cash flows, the fair value of any collateral, and the financial condition of the debtor.&nbsp;&nbsp;Following is an analysis of the allowance for credit losses related to notes receivable (in millions): </div> <div style="DISPLAY: block; TEXT-INDENT: 0pt"> <br /> </div> <div style="text-align: left"> <table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> <tr> <td valign="bottom" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px"> &nbsp; </td> <td valign="bottom" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px"> &nbsp; </td> <td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid"> <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: center"> For the Year Ended </div> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: center"> December 31, 2010 </div> </div> </td> <td valign="bottom" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr> <td align="left" valign="bottom"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt; text-align: left"> Automotive Sector </div> </td> <td valign="bottom" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td colspan="2" valign="bottom" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr> <td align="left" valign="bottom"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> Allowance for credit losses: </div> </td> <td valign="bottom" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td colspan="2" valign="bottom" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="#CCEEFF"> <td align="left" valign="bottom" width="88%"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt; text-align: left"> &nbsp;&nbsp;Beginning balance </div> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 192 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="white"> <td align="left" valign="bottom" width="88%"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt; text-align: left"> &nbsp;&nbsp;&nbsp;&nbsp;Charge-offs </div> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 34.25pt">&nbsp;</font>(1 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> ) </td> </tr> <tr bgcolor="#CCEEFF"> <td align="left" valign="bottom" width="88%"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt; text-align: left"> &nbsp;&nbsp;&nbsp;&nbsp;Recoveries </div> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 19.4pt">&nbsp;</font>(122 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> ) </td> </tr> <tr bgcolor="white"> <td align="left" valign="bottom" width="88%"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt; text-align: left"> &nbsp;&nbsp;&nbsp;&nbsp;Provision for credit losses </div> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 35.7pt">&nbsp;</font>51 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="#CCEEFF"> <td align="left" valign="bottom" width="88%" style="PADDING-BOTTOM: 2px"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt; text-align: left"> &nbsp;&nbsp;&nbsp;&nbsp;Other </div> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> - </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="white"> <td align="left" valign="bottom" width="88%" style="PADDING-BOTTOM: 4px"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> &nbsp;&nbsp;Ending balance&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&a mp;nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </div> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 120 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="#CCEEFF"> <td valign="bottom" width="88%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="white"> <td align="left" valign="bottom" width="88%"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt; text-align: left"> Analysis of ending balance of allowance for credit losses: </div> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="#CCEEFF"> <td align="left" valign="bottom" width="88%"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> &nbsp;&nbsp;&nbsp;&nbsp;Collective impairment allowance&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </div> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> - </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="white"> <td align="left" valign="bottom" width="88%" style="PADDING-BOTTOM: 2px"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> &nbsp;&nbsp;&nbsp;&nbsp;Specific impairment allowance&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </div> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 28.3pt">&nbsp;</font><font style="DISPLAY: inline">120</font> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="#CCEEFF"> <td align="left" valign="bottom" width="88%" style="PADDING-BOTTOM: 4px"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> &nbsp;&nbsp;Ending balance&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&a mp;nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </div> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 120 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="white"> <td valign="bottom" width="88%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="#CCEEFF"> <td align="left" valign="bottom" width="88%"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt; text-align: left"> Analysis of ending balance of Automotive finance receivables: </div> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="white"> <td align="left" valign="bottom" width="88%"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> &nbsp;&nbsp;&nbsp;&nbsp;Collectively evaluated for impairment&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp ;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </div> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> - </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="#CCEEFF"> <td align="left" valign="bottom" width="88%" style="PADDING-BOTTOM: 2px"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> &nbsp;&nbsp;&nbsp;&nbsp;Specifically evaluated for impairment&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp ;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </div> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 28.3pt">&nbsp;</font><font style="DISPLAY: inline">344</font> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="white"> <td align="left" valign="bottom" width="88%" style="PADDING-BOTTOM: 4px"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> &nbsp;&nbsp;Recorded investment&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp ;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </div> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 344 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="#CCEEFF"> <td valign="bottom" width="88%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="white"> <td align="left" valign="bottom" width="88%" style="PADDING-BOTTOM: 4px"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> Ending balance, net of allowance for credit losses&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&am p;nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </div> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 224 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: left"> &nbsp; </td> </tr> </table> </div> <div style="DISPLAY: block; TEXT-INDENT: 0pt"> <br /> </div> <div style="DISPLAY: block; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> Financial Services Sector </div> <div style="DISPLAY: block; TEXT-INDENT: 0pt"> <br /> </div> <div style="DISPLAY: block; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt; text-align: left"> The allowance for credit losses represents Ford Credit's estimate of the probable loss on the collection of finance receivables and operating leases as of the balance sheet date.&nbsp;&nbsp;The adequacy of the allowance for credit losses is assessed quarterly and the assumptions and models used in establishing the allowance are regularly evaluated.&nbsp;&nbsp;Because credit losses can vary substantially over time, estimating credit losses requires a number of assumptions about matters that are uncertain. </div> <div style="DISPLAY: block; TEXT-INDENT: 0pt"> <br /> </div> <div style="DISPLAY: block; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt; text-align: left"> Additions to the allowance for credit losses are made by recording charges to <font style="DISPLAY: inline; FONT-STYLE: italic">Provision for credit and insurance losses</font> on the sector statement of operations.&nbsp;&nbsp;The outstanding balances of finance receivables and investments in operating leases are charged to the allowance for credit losses at the earlier of when an account is deemed to be uncollectible or when an account is 120&nbsp;days delinquent, taking into consideration the financial condition of the borrower or lessee, the value of the collateral, recourse to guarantors and other factors.&nbsp;&nbsp;In the event we repossess the collateral, the receivable is written off and we record the collateral at its estimated fair value less costs to sell and report it in <font style="DISPLAY: inline; FONT-STYLE: italic">Other assets</font> on the balance sheet.&nbsp;&nbsp;Recoveries on finance receivables and investment in operating leases previously charged-off as uncollectible are credited to the allowance for credit losses. </div> <div style="DISPLAY: block; TEXT-INDENT: 0pt"> <br /> </div> <div style="DISPLAY: block; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> Consumer Receivables </div> <div style="DISPLAY: block; TEXT-INDENT: 0pt"> <br /> </div> <div style="DISPLAY: block; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> <font style="MARGIN-LEFT: 15pt">&nbsp;</font>The majority of credit losses are attributable to Ford Credit's consumer receivables segment.&nbsp;&nbsp;Ford Credit estimates the allowance for credit losses on its consumer receivables segment and on its investments in operating leases using a combination of measurement models and management judgment.&nbsp;&nbsp;The models consider factors such as historical trends in credit losses and recoveries (including key metrics such as delinquencies, repossessions and bankruptcies), the composition of the present portfolio (including vehicle brand, term, risk evaluation and new/used vehicles), trends in historical and projected used vehicle values, and economic conditions.&nbsp;&nbsp;Estimates from these models rely on historical information and may not fully reflect losses inherent in the present portfolio.&nbsp;&nbsp;Therefore, Ford Credit may adjust the estimate to reflect management's judgment regarding justifiable changes in economic trends and conditions, portfolio composition, and other relevant factors. </div> <div style="DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> &nbsp; </div> <div style="DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: justify"> <font style="DISPLAY: inline; FONT-WEIGHT: bold; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">&nbsp;</font><br /> </div> <div style="DISPLAY: block; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt; text-align: left"> Ford Credit makes projections of two key assumptions to assist in estimating the consumer allowance for credit losses: </div> <div style="DISPLAY: block; TEXT-INDENT: 0pt"> <br /> </div> <div> <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> <tr valign="top"> <td style="WIDTH: 33pt"> <div style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"> &nbsp; </div> </td> <td style="WIDTH: 18pt"> <div style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"> &#9679; </div> </td> <td> <div style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; text-align: left"> Frequency - the number of finance receivables that are expected to default over the loss emergence period, measured as repossessions </div> </td> </tr> </table> </div> <div> <table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> <tr valign="top"> <td style="WIDTH: 33pt"> <div style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman"> &nbsp; </div> </td> <td style="WIDTH: 18pt"> <div style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt"> &#9679; </div> </td> <td> <div style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; text-align: left"> Loss severity - the expected difference between the amount a customer owes when the finance contract is charged off and the amount received, net of expenses from selling the repossessed vehicle, including any recoveries from the customer </div> </td> </tr> </table> </div> <div style="DISPLAY: block; TEXT-INDENT: 0pt"> <br /> </div> <div style="DISPLAY: block; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt; text-align: left"> The consumer receivables portfolio allowance is evaluated primarily using a collective loss-to-receivables ("LTR") model that based on historical experience indicates that credit losses have been incurred in the portfolio even though the particular receivables that are uncollectible cannot be specifically identified.&nbsp;&nbsp;The LTR model is based on the most recent years of history.&nbsp;&nbsp;Each LTR is calculated by dividing credit losses by average end-of-period receivables excluding unearned interest supplements and allowance for credit losses.&nbsp;&nbsp;A weighted-average LTR is calculated for each class of consumer receivables and multiplied by the end-of-period receivable balances for that given class. </div> <div style="DISPLAY: block; TEXT-INDENT: 0pt"> <br /> </div> <div style="DISPLAY: block; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt; text-align: left"> The loss emergence period ("LEP") is a key assumption within Ford Credit's models and represents the average amount of time between when a loss event first occurs to when it is charged off.&nbsp;&nbsp;This time period starts when the borrower begins to experience financial difficulty.&nbsp;&nbsp;It is evidenced later, typically through delinquency, before eventually resulting in a charge-off.&nbsp;&nbsp;The loss emergence period is a multiplier in the calculation of the collective consumer allowance for credit losses. </div> <div style="DISPLAY: block; TEXT-INDENT: 0pt"> <br /> </div> <div style="DISPLAY: block; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt; text-align: left"> For consumer receivables greater than 120 days past due, the uncollectible portion of the receivable is charged-off, such that the remaining recorded investment in the loan is equal to the estimated fair value of the collateral less costs to sell. </div> <div style="DISPLAY: block; TEXT-INDENT: 0pt"> <br /> </div> <div style="DISPLAY: block; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt; text-align: left"> After the establishment of this allowance for credit losses, if management believes the allowance does not reflect all losses inherent in the portfolio due to changes in recent economic trends and conditions, or other relevant factors, an adjustment is made based on management judgment. </div> <div style="DISPLAY: block; TEXT-INDENT: 0pt"> <br /> </div> <div style="DISPLAY: block; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> Non-Consumer Receivables </div> <div style="DISPLAY: block; TEXT-INDENT: 0pt"> <br /> </div> <div style="DISPLAY: block; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> <font style="MARGIN-LEFT: 15pt">&nbsp;</font>Ford Credit estimates the allowance for credit losses for non-consumer receivables based on historical LTR ratios, expected future cash flows, and the fair value of collateral. </div> <div style="DISPLAY: block; TEXT-INDENT: 0pt"> <br /> </div> <div style="DISPLAY: block; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt; text-align: left"> <font style="DISPLAY: inline; FONT-STYLE: italic">Collective Allowance for Credit Losses</font>.&nbsp;&nbsp;Ford Credit estimates an allowance for non-consumer receivables that are not specifically identified as impaired using a LTR model for each financing product based on historical experience.&nbsp;&nbsp;This LTR is a weighted average of the most recent historical experience and is calculated consistent with the consumer receivables LTR approach.&nbsp;&nbsp;All accounts that are specifically identified as impaired are excluded from the calculation of the non-specific or collective allowance. </div> <div style="DISPLAY: block; TEXT-INDENT: 0pt"> <br /> </div> <div style="DISPLAY: block; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt; text-align: left"> <font style="DISPLAY: inline; FONT-STYLE: italic">Specific Allowance for Impaired Receivables</font>.&nbsp;&nbsp;The wholesale and dealer loan portfolio is evaluated by grouping individual loans into risk pools determined by the risk characteristics of the loan (such as the amount of the loan, the nature of the collateral, and the financial status of the debtor).&nbsp;&nbsp;The risk pools are analyzed to determine if individual loans are impaired, and a specific allowance is estimated based on the present value of the expected future cash flows of the receivable discounted at the loan's effective interest rate or the fair value of any collateral adjusted for estimated costs to sell. </div> <div style="DISPLAY: block; TEXT-INDENT: 0pt"> <br /> </div> <div style="DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt; text-align: left"> <font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">After establishment of the collective and the specific allowance for credit losses, if management believes the allowance does not reflect all losses inherent in the portfolio due to changes in recent economic trends and conditions or other relevant factors, an adjustment is made based on management judgment.</font><br /> </div> <div style="DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: justify"> &nbsp; </div> <div style="DISPLAY: block; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt; text-align: left"> Following is an analysis of the allowance for credit losses related to finance receivables and investment in operating leases for the year ended December 31, 2010 (in millions): </div> <div style="DISPLAY: block; TEXT-INDENT: 0pt"> <br /> </div> <div style="text-align: left"> <div style="text-align: left"> <table cellpadding="0" cellspacing="0" width="100%" style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> <tr> <td valign="bottom" width="39%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px"> &nbsp; </td> <td valign="bottom" width="2%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px"> &nbsp; </td> <td colspan="10" valign="bottom" width="34%" style="BORDER-BOTTOM: black 2px solid"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: center"> Finance Receivables </div> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px"> &nbsp; </td> <td colspan="2" valign="bottom" width="10%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: center"> Net Investment in </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px"> &nbsp; </td> <td colspan="2" valign="bottom" width="10%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr> <td valign="bottom" width="39%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px"> &nbsp; </td> <td valign="bottom" width="2%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px"> &nbsp; </td> <td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: center"> Consumer </div> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px"> &nbsp; </td> <td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: center"> Non-consumer </div> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px"> &nbsp; </td> <td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: center"> Total </div> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px"> &nbsp; </td> <td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid"> <div style="DISPLAY: block; MARGIN-LEFT: 0pt; TEXT-INDENT: 0pt; MARGIN-RIGHT: 0pt"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: center"> Operating </div> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: center"> &nbsp;Leases </div> </div> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px"> &nbsp; </td> <td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: center"> Total Allowance </div> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr> <td align="left" valign="bottom" width="39%"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> Financial Services Sector </div> </td> <td valign="bottom" width="2%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td colspan="2" valign="bottom" width="10%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td colspan="2" valign="bottom" width="10%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td colspan="2" valign="bottom" width="10%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td colspan="2" valign="bottom" width="10%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td colspan="2" valign="bottom" width="10%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr> <td align="left" valign="bottom" width="39%"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> Allowance for credit losses: </div> </td> <td valign="bottom" width="2%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td colspan="2" valign="bottom" width="10%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td colspan="2" valign="bottom" width="10%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td colspan="2" valign="bottom" width="10%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td colspan="2" valign="bottom" width="10%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td colspan="2" valign="bottom" width="10%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="#CCEEFF"> <td align="left" valign="bottom" width="39%"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt; text-align: left"> &nbsp;&nbsp;Beginning balance </div> </td> <td valign="bottom" width="2%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 1,271 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 80 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 1,351 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 214 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 1,565 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="white"> <td align="left" valign="bottom" width="39%"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt; text-align: left"> &nbsp;&nbsp;&nbsp;&nbsp;Charge-offs<font style="MARGIN-LEFT: 12pt">&nbsp;</font> </div> </td> <td valign="bottom" width="2%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 19.4pt">&nbsp;</font>(606 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> ) </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 26.8pt">&nbsp;</font>(41 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> ) </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 19.4pt">&nbsp;</font>(647 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> ) </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 19.4pt">&nbsp;</font>(200 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> ) </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 19.4pt">&nbsp;</font>(847 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> ) </td> </tr> <tr bgcolor="#CCEEFF"> <td align="left" valign="bottom" width="39%"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt; text-align: left"> &nbsp;&nbsp;&nbsp;&nbsp;Recoveries<font style="MARGIN-LEFT: 12pt">&nbsp;</font> </div> </td> <td valign="bottom" width="2%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 28.3pt">&nbsp;</font>247 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 35.7pt">&nbsp;</font>34 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 28.3pt">&nbsp;</font>281 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 28.3pt">&nbsp;</font>138 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 28.3pt">&nbsp;</font>419 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="white"> <td align="left" valign="bottom" width="39%"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt; text-align: left"> &nbsp;&nbsp;&nbsp;&nbsp;Provision for credit losses<font style="MARGIN-LEFT: 12pt">&nbsp;</font> </div> </td> <td valign="bottom" width="2%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 19.4pt">&nbsp;</font>(195 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> ) </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 34.25pt">&nbsp;</font>(2 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> ) </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 19.4pt">&nbsp;</font>(197 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> ) </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 26.8pt">&nbsp;</font>(65 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> ) </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 19.4pt">&nbsp;</font>(262 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> ) </td> </tr> <tr bgcolor="#CCEEFF"> <td align="left" valign="bottom" width="39%" style="PADDING-BOTTOM: 2px"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt; text-align: left"> &nbsp;&nbsp;&nbsp;&nbsp;Other (a)<font style="MARGIN-LEFT: 12pt">&nbsp;</font> </div> </td> <td valign="bottom" width="2%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 26.85pt">&nbsp;</font><font style="DISPLAY: inline">(10</font> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> ) </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 34.25pt">&nbsp;</font><font style="DISPLAY: inline">(1</font> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> ) </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 26.85pt">&nbsp;</font><font style="DISPLAY: inline">(11</font> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> ) </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> - </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 26.85pt">&nbsp;</font><font style="DISPLAY: inline">(11</font> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> ) </td> </tr> <tr bgcolor="white"> <td align="left" valign="bottom" width="39%" style="PADDING-BOTTOM: 4px"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> &nbsp;&nbsp;Ending balance<font style="MARGIN-LEFT: 12pt">&nbsp;</font> </div> </td> <td valign="bottom" width="2%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 707 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 70 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 777 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 87 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 864 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="#CCEEFF"> <td valign="bottom" width="39%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="2%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="white"> <td align="left" valign="bottom" width="39%"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt; text-align: left"> Analysis of ending balance of allowance for credit losses: </div> </td> <td valign="bottom" width="2%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="#CCEEFF"> <td align="left" valign="bottom" width="39%"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> &nbsp;&nbsp;&nbsp;&nbsp;Collective impairment allowance<font style="MARGIN-LEFT: 12pt">&nbsp;</font> </div> </td> <td valign="bottom" width="2%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 707 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 58 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 765 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 87 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 852 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="white"> <td align="left" valign="bottom" width="39%" style="PADDING-BOTTOM: 2px"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> &nbsp;&nbsp;&nbsp;&nbsp;Specific impairment allowance<font style="MARGIN-LEFT: 12pt">&nbsp;</font> </div> </td> <td valign="bottom" width="2%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> - </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 35.7pt">&nbsp;</font><font style="DISPLAY: inline">12</font> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 35.7pt">&nbsp;</font><font style="DISPLAY: inline">12</font> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> - </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 35.7pt">&nbsp;</font><font style="DISPLAY: inline">12</font> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="#CCEEFF"> <td align="left" valign="bottom" width="39%" style="PADDING-BOTTOM: 4px"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> &nbsp;&nbsp;Ending balance<font style="MARGIN-LEFT: 12pt">&nbsp;</font> </div> </td> <td valign="bottom" width="2%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 707 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 70 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 777 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 87 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 864 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="white"> <td valign="bottom" width="39%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="2%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="#CCEEFF"> <td align="left" valign="bottom" width="39%"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: -9pt; text-align: left"> Analysis of ending balance of finance receivables and net investment in operating leases: </div> </td> <td valign="bottom" width="2%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="white"> <td align="left" valign="bottom" width="39%"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> &nbsp;&nbsp;Collectively evaluated for impairment<font style="MARGIN-LEFT: 12pt">&nbsp;</font> </div> </td> <td valign="bottom" width="2%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 49,640 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 24,300 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 73,940 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 10,480 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="#CCEEFF"> <td align="left" valign="bottom" width="39%" style="PADDING-BOTTOM: 2px"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> &nbsp;&nbsp;Specifically evaluated for impairment<font style="MARGIN-LEFT: 12pt">&nbsp;</font> </div> </td> <td valign="bottom" width="2%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> - </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 28.3pt">&nbsp;</font><font style="DISPLAY: inline">102</font> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> <font style="MARGIN-LEFT: 28.3pt">&nbsp;</font><font style="DISPLAY: inline">102</font> </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> - </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 2px; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="white"> <td align="left" valign="bottom" width="39%" style="PADDING-BOTTOM: 4px"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> Recorded investment (b)<font style="MARGIN-LEFT: 12pt">&nbsp;</font> </div> </td> <td valign="bottom" width="2%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 49,640 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 24,402 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 74,042 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 10,480 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="#CCEEFF"> <td valign="bottom" width="39%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="2%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: times new roman"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> </tr> <tr bgcolor="white"> <td align="left" valign="bottom" width="39%" style="PADDING-BOTTOM: 4px"> <div style="DISPLAY: block; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 0pt; text-align: left"> Ending balance, net of allowance for credit losses<font style="MARGIN-LEFT: 12pt">&nbsp;</font> </div> </td> <td valign="bottom" width="2%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 48,933 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 24,332 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 73,265 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px"> &nbsp; </td> <td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> $ </td> <td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: right"> 10,393 </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-ALIGN: left"> &nbsp; </td> <td valign="bottom" width="9%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: right"> &nbsp; </td> <td valign="bottom" width="1%" style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; PADDING-BOTTOM: 4px; TEXT-ALIGN: left"> &nbsp; </td> </tr> </table> </div><font style="DISPLAY: inline; FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman">__________</font> </div> <div style="DISPLAY: block; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt; text-align: left"> (a) Represents principally amounts related to translation adjustments. </div> <div style="DISPLAY: block; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt; text-align: left"> (b) Finance receivables and net investment in operating leases before allowance for credit losses. </div> <div style="DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt; TEXT-INDENT: 18pt; text-align: left"> &nbsp; </div> <div style="DISPLAY: block; FONT-WEIGHT: bold; TEXT-INDENT: 0pt"> &nbsp; </div> </div></div></div></div>&nbsp; NOTE 9.&nbsp;&nbsp;ALLOWANCE FOR CREDIT LOSSES Automotive Sector &nbsp;WefalsefalsefalsefalsefalseOtherus-types:textBlockItemTypestringThis item represents the entire disclosure for the allowance for credit losses, which represents the reserve to cover probable credit losses related to specifically identified loans and leases, as well as probable credit losses inherent in the remainder of the loan portfolio.No authoritative reference available.falsefalse12Allowance for Credit LossesUnKnownUnKnownUnKnownUnKnownfalsetrue