the following tables present stores by segment : replace_table_token_12_th replace_table_token_13_th replace_table_token_14_th 26 pawn and retail activities we earn pawn service charge revenues on our pawn lending . while allowable service charges vary by state and loan size , a majority of our u.s. pawn loans earn 20 % per month . our average u.s. pawn loan amount typically ranges between $ 130 and $ 145 , but varies depending on the valuation of each item pawned . the total u.s. loan term ranges between 60 and 120 days , consisting of the primary term and grace period . in mexico , pawn service charges range from 15 % to 21 % per month , including applicable taxes , with the majority of loans earning 21 % . the total mexico pawn loan term is 40 days , consisting of the primary term and grace period . individual loans are made in mexican pesos and vary depending on the valuation of each item pawned , but typically average $ 60 u.s. dollars . in our pawn stores , buy/sell stores in pennsylvania and virginia and certain financial services stores in canada , we acquire inventory for retail sales through pawn loan forfeitures , purchases of customers ' second hand merchandise or purchases of new or refurbished merchandise from third party vendors . the gross profit on sales of inventory depends primarily on our assessment of the loan or purchase value at the time the property is either accepted as loan collateral or purchased . margins achieved on sale of inventory are a function of the assessment of value at the time the pawn loan was originated or , in the case of purchased merchandise , the purchase price . we record a valuation allowance for obsolete or slow-moving inventory based on the type and age of merchandise . we generally establish a higher allowance percentage on general merchandise , as it is more susceptible to obsolescence , and establish a lower allowance percentage on jewelry , as it generally has greater inherent commodity value . at september 30 , 2012 , our total allowance was 4.9 % of gross inventory , compared to 9.5 % at september 30 , 2011 . changes in the valuation allowance are charged to merchandise cost of goods sold . consumer loan activities at september 30 , 2012 , 288 of our u.s. financial services stores and 25 of our u.s. pawn stores in texas offered credit services to customers seeking consumer loans from unaffiliated lenders . we do not participate in any of the loans made by the lenders , but earn a fee for helping customers obtain credit and for enhancing customers ' creditworthiness by providing letters of credit to the unaffiliated lenders . customers may obtain different types of consumer loans from the unaffiliated lenders . in all stores offering consumer loan credit services , customers can obtain single-payment unsecured consumer loans , with principal amounts up to $ 1,500 but averaging about $ 505. terms of these loans are generally less than 30 days , averaging about 16 days , with due dates corresponding with the customer 's next payday . we typically earn a fee of 22 % of the loan amount for our credit services offered in connection with single-payment loans . in the financial services stores offering credit services , customers can obtain longer-term unsecured multiple-payment loans from the unaffiliated lenders . all multiple-payment loans typically carry terms of about five months with ten equal installment payments , including principal amortization , due on customers ' paydays . traditional multi-payment loan principal amounts range from $ 1,525 to $ 3,000 , but average about $ 2,105 , and with each semi-monthly or bi-weekly installment payment , we earn a fee of 11 % of the initial loan amount . low dollar multiple-payment loan principal amounts range from $ 100 to $ 1,500 , but average about $ 705. with each semi-monthly or bi-weekly installment payment , we earn a fee of 13 % to 14 % of the initial loan amount . at september 30 , 2012 , single-payment loans comprised 93 % of the balance of consumer loans brokered through our credit services , and multiple-payment loans comprised the remaining 7 % . outside of texas , we earn loan fee revenue on our consumer loans . in 20 u.s. pawn stores , 80 u.s. financial services stores and 67 canadian financial services stores , we offer single-payment unsecured consumer loans . the average single-payment loan amount is approximately $ 440 and the term is generally less than 30 days , averaging about 16 days . we typically charge a fee of 15 % to 22 % of the loan amount . in 115 of our u.s. financial services stores and three u.s. pawn stores , we offer multiple-payment unsecured consumer loans . these loans carry a term of four to seven months , with a series of equal installment payments , including principal amortization , due monthly , semi-monthly or on the customer 's paydays . total interest and fees on these loans vary in accordance with state law and loan terms , but over the entire loan term , total approximately 45 % to 130 % of the original principal amount of the loan . multiple-payment loan principal amounts range from $ 100 to $ 3,000 , but average approximately $ 550. at september 30 , 2012 , 398 of our u.s. financial services stores and 44 of our u.s. pawn stores offered auto title loans or , in texas , credit services to assist customers in obtaining auto title loans from unaffiliated lenders . auto title loans are 30-day loans secured by the titles to customers ' automobiles . loan principal amounts range from $ 100 to $ 10,000 , but average about $ 835. we earn a fee of 12.5 % to 30 % of auto title loan amounts . story_separator_special_tag in fiscal 2012 we early adopted the financial accounting standards board `` fasb `` issued accounting standards update `` asu `` 2012-02 testing indefinite-lived intangible assets for impairment and asu 2011-08 testing goodwill for impairment , which allows for a level of qualitative review for potential impairment of an indefinite lived asset . we review qualitative indicators annually on july 1st , or more frequently if necessary , to identify potential areas of risk for impairment . if there is an indicator that the fair market value of the segment has potentially dropped below the carrying value , then a full valuation of the segment is performed , using analyses of cash flows and other market valuation methods . we amortize intangible assets with definite lives over their estimated useful lives using the straight-line method . valuation of tangible long-lived assets we assess the impairment of tangible long-lived assets whenever events or changes in circumstances indicate that the net recorded amount may not be recoverable . the following factors could trigger an impairment review : significant underperformance relative to historical or projected future cash flows , significant changes in the manner of use of the assets or the strategy for the overall business and significant negative industry trends or legislative changes prohibiting us from offering our loan products . when we determine that the net recorded amount of tangible long-lived assets may not be recoverable , we measure impairment based on the excess of the assets ' net recorded amount over the estimated fair value . acquisitions we adopted financial accounting standards board ( “ fasb ” ) accounting standards codification ( “ asc ” ) 805-10-65 ( business combinations — revised ) on october 1 , 2009 , and have applied it prospectively to all business acquisitions completed since that date . in accordance with fasb asc 805-10-65 , we allocate the total acquisition price to the fair value of assets and liabilities acquired and immediately expense transaction costs that would have been included in the purchase price allocation under previous accounting standards . foreign currency translation our equity investments in albemarle & bond and cash converters international are translated from british pounds and australian dollars , respectively , into u.s. dollars at the exchange rates as of the investees ' balance sheet date of june 30. the related interest in the investees ' net income is translated at the average exchange rates for each six-month period reported by the investees . the functional currency of empeño fácil , our wholly-owned subsidiary , and crediamigo , our 60 % owned subsidiary , is the mexican peso . the functional currency of our wholly-owned foreign subsidiary in canada is the canadian dollar , and the functional currency of cash genie , our 95 % owned subsidiary , is the british pound . our foreign subsidiaries ' balance sheet accounts are translated from their respective functional currencies into u.s. dollars at the exchange rate at the end of each quarter , and their earnings are translated into u.s. dollars at the average exchange rate each quarter . we present resulting translation adjustments as a separate component of stockholders ' equity . foreign currency transaction gains and losses have not been significant , and are reported as “ other ” ( income ) or expense in our statements of operations . income taxes we account for income taxes using the asset and liability method . deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying value of assets and liabilities and their tax basis and for operating loss and tax credit carryforwards . deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which the related temporary differences are expected to be recovered or settled . the effect on deferred tax assets and liabilities of a change in tax rates is recognized when the rate change is enacted . management believes that it is more likely than not that forecasted income , including income that may be generated as a result of certain tax planning strategies , together with future reversals of existing taxable temporary differences , will be sufficient to fully recover the deferred tax assets . in the event that we determine all or part of the net deferred tax assets are not realizable in 31 the future , we will make an adjustment to the valuation allowance that would be charged to earnings in the period such determination is made . stock compensation we account for stock compensation in accordance with the fair value recognition provisions of fasb asc 718-10-25 ( compensation — stock compensation ) . the fair value of restricted shares is measured as the closing market price of our stock on the date of grant , which is amortized over the vesting period for each grant . when we grant options , our policy is to estimate the grant-date fair value of options using the black-scholes-merton option-pricing model and amortize that fair value to compensation expense on a ratable basis over the options ' vesting periods . recently issued accounting pronouncements see note 1 , “ organization and summary of significant accounting policies , ” in “ part ii — item 8 — financial statements and supplementary data ” for a discussion of recent accounting pronouncements . results of operations fiscal 2012 compared to fiscal 2011 the following discussion compares our results of operations for the year ended september 30 , 2012 to the year ended september 30 , 2011 . it should be read with the accompanying consolidated financial statements and related notes . in fiscal 2012 , consolidated total revenues increased 14 % , or $ 123.2 million , to $ 992.5 million , compared to the prior year . same store total revenues decreased $ 13.2 million , or 2 % , and new and acquired stores contributed $ 136.4 million .

liquidity and capital resources in fiscal 2012 , our $ 150.4 million cash flow from operations consisted of ( i ) net income plus several non-cash items , aggregating to $ 185.8 million , net of ( ii ) $ 38.5 million of normal , recurring changes in operating assets and liabilities . in the prior year , our $ 146.0 million cash flow from operations consisted of ( i ) net income plus several non-cash items , aggregating to $ 166.5 million , net of ( ii ) $ 20.5 million of normal , recurring changes in operating assets and liabilities . the primary differences in cash flow from operations between fiscal 2012 and the prior years were the contributions from acquisitions , organic growth throughout our other operations and revenue streams , and the decrease in stock compensation expense from fiscal 2011 , which was primarily attributable to the retirement of our former ceo , net of higher taxes paid . the $ 211.2 million of net cash used in investing activities during fiscal 2012 was funded by cash flow from operations , cash on hand and borrowings on our line of credit facility . we received $ 5.6 million in cash dividends from our unconsolidated affiliates . we invested $ 128.6 million in cash to acquire 50 stores in the u.s. , one store in canada , a 60 % interest in crediamigo , a decision science model for the underwriting of consumer loans and a 72 % interest in cash genie . other significant investments in the period were the $ 45.8 million in additions of property and equipment . partially offsetting these investments was the $ 42.4 million of loans made in excess of customer loan repayments and the recovery of principal through the sale of forfeited pawn loan collateral . 43 the net effect of these and other smaller cash flows was a $ 24.5 million increase in cash on hand , providing a $ 48.5 million ending cash balance .


 Write a concise suspicious activity report of the following text delimited by triple backquotes. Return your response as a formal report which covers the key points highlighting the location,dates,entity names and account holder information in chronological order of the text.
     ```liquidity and capital resources in fiscal 2012 , our $ 150.4 million cash flow from operations consisted of ( i ) net income plus several non-cash items , aggregating to $ 185.8 million , net of ( ii ) $ 38.5 million of normal , recurring changes in operating assets and liabilities . in the prior year , our $ 146.0 million cash flow from operations consisted of ( i ) net income plus several non-cash items , aggregating to $ 166.5 million , net of ( ii ) $ 20.5 million of normal , recurring changes in operating assets and liabilities . the primary differences in cash flow from operations between fiscal 2012 and the prior years were the contributions from acquisitions , organic growth throughout our other operations and revenue streams , and the decrease in stock compensation expense from fiscal 2011 , which was primarily attributable to the retirement of our former ceo , net of higher taxes paid . the $ 211.2 million of net cash used in investing activities during fiscal 2012 was funded by cash flow from operations , cash on hand and borrowings on our line of credit facility . we received $ 5.6 million in cash dividends from our unconsolidated affiliates . we invested $ 128.6 million in cash to acquire 50 stores in the u.s. , one store in canada , a 60 % interest in crediamigo , a decision science model for the underwriting of consumer loans and a 72 % interest in cash genie . other significant investments in the period were the $ 45.8 million in additions of property and equipment . partially offsetting these investments was the $ 42.4 million of loans made in excess of customer loan repayments and the recovery of principal through the sale of forfeited pawn loan collateral . 43 the net effect of these and other smaller cash flows was a $ 24.5 million increase in cash on hand , providing a $ 48.5 million ending cash balance .
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 Suspicious Activity Report : the following tables present stores by segment : replace_table_token_12_th replace_table_token_13_th replace_table_token_14_th 26 pawn and retail activities we earn pawn service charge revenues on our pawn lending . while allowable service charges vary by state and loan size , a majority of our u.s. pawn loans earn 20 % per month . our average u.s. pawn loan amount typically ranges between $ 130 and $ 145 , but varies depending on the valuation of each item pawned . the total u.s. loan term ranges between 60 and 120 days , consisting of the primary term and grace period . in mexico , pawn service charges range from 15 % to 21 % per month , including applicable taxes , with the majority of loans earning 21 % . the total mexico pawn loan term is 40 days , consisting of the primary term and grace period . individual loans are made in mexican pesos and vary depending on the valuation of each item pawned , but typically average $ 60 u.s. dollars . in our pawn stores , buy/sell stores in pennsylvania and virginia and certain financial services stores in canada , we acquire inventory for retail sales through pawn loan forfeitures , purchases of customers ' second hand merchandise or purchases of new or refurbished merchandise from third party vendors . the gross profit on sales of inventory depends primarily on our assessment of the loan or purchase value at the time the property is either accepted as loan collateral or purchased . margins achieved on sale of inventory are a function of the assessment of value at the time the pawn loan was originated or , in the case of purchased merchandise , the purchase price . we record a valuation allowance for obsolete or slow-moving inventory based on the type and age of merchandise . we generally establish a higher allowance percentage on general merchandise , as it is more susceptible to obsolescence , and establish a lower allowance percentage on jewelry , as it generally has greater inherent commodity value . at september 30 , 2012 , our total allowance was 4.9 % of gross inventory , compared to 9.5 % at september 30 , 2011 . changes in the valuation allowance are charged to merchandise cost of goods sold . consumer loan activities at september 30 , 2012 , 288 of our u.s. financial services stores and 25 of our u.s. pawn stores in texas offered credit services to customers seeking consumer loans from unaffiliated lenders . we do not participate in any of the loans made by the lenders , but earn a fee for helping customers obtain credit and for enhancing customers ' creditworthiness by providing letters of credit to the unaffiliated lenders . customers may obtain different types of consumer loans from the unaffiliated lenders . in all stores offering consumer loan credit services , customers can obtain single-payment unsecured consumer loans , with principal amounts up to $ 1,500 but averaging about $ 505. terms of these loans are generally less than 30 days , averaging about 16 days , with due dates corresponding with the customer 's next payday . we typically earn a fee of 22 % of the loan amount for our credit services offered in connection with single-payment loans . in the financial services stores offering credit services , customers can obtain longer-term unsecured multiple-payment loans from the unaffiliated lenders . all multiple-payment loans typically carry terms of about five months with ten equal installment payments , including principal amortization , due on customers ' paydays . traditional multi-payment loan principal amounts range from $ 1,525 to $ 3,000 , but average about $ 2,105 , and with each semi-monthly or bi-weekly installment payment , we earn a fee of 11 % of the initial loan amount . low dollar multiple-payment loan principal amounts range from $ 100 to $ 1,500 , but average about $ 705. with each semi-monthly or bi-weekly installment payment , we earn a fee of 13 % to 14 % of the initial loan amount . at september 30 , 2012 , single-payment loans comprised 93 % of the balance of consumer loans brokered through our credit services , and multiple-payment loans comprised the remaining 7 % . outside of texas , we earn loan fee revenue on our consumer loans . in 20 u.s. pawn stores , 80 u.s. financial services stores and 67 canadian financial services stores , we offer single-payment unsecured consumer loans . the average single-payment loan amount is approximately $ 440 and the term is generally less than 30 days , averaging about 16 days . we typically charge a fee of 15 % to 22 % of the loan amount . in 115 of our u.s. financial services stores and three u.s. pawn stores , we offer multiple-payment unsecured consumer loans . these loans carry a term of four to seven months , with a series of equal installment payments , including principal amortization , due monthly , semi-monthly or on the customer 's paydays . total interest and fees on these loans vary in accordance with state law and loan terms , but over the entire loan term , total approximately 45 % to 130 % of the original principal amount of the loan . multiple-payment loan principal amounts range from $ 100 to $ 3,000 , but average approximately $ 550. at september 30 , 2012 , 398 of our u.s. financial services stores and 44 of our u.s. pawn stores offered auto title loans or , in texas , credit services to assist customers in obtaining auto title loans from unaffiliated lenders . auto title loans are 30-day loans secured by the titles to customers ' automobiles . loan principal amounts range from $ 100 to $ 10,000 , but average about $ 835. we earn a fee of 12.5 % to 30 % of auto title loan amounts . story_separator_special_tag in fiscal 2012 we early adopted the financial accounting standards board `` fasb `` issued accounting standards update `` asu `` 2012-02 testing indefinite-lived intangible assets for impairment and asu 2011-08 testing goodwill for impairment , which allows for a level of qualitative review for potential impairment of an indefinite lived asset . we review qualitative indicators annually on july 1st , or more frequently if necessary , to identify potential areas of risk for impairment . if there is an indicator that the fair market value of the segment has potentially dropped below the carrying value , then a full valuation of the segment is performed , using analyses of cash flows and other market valuation methods . we amortize intangible assets with definite lives over their estimated useful lives using the straight-line method . valuation of tangible long-lived assets we assess the impairment of tangible long-lived assets whenever events or changes in circumstances indicate that the net recorded amount may not be recoverable . the following factors could trigger an impairment review : significant underperformance relative to historical or projected future cash flows , significant changes in the manner of use of the assets or the strategy for the overall business and significant negative industry trends or legislative changes prohibiting us from offering our loan products . when we determine that the net recorded amount of tangible long-lived assets may not be recoverable , we measure impairment based on the excess of the assets ' net recorded amount over the estimated fair value . acquisitions we adopted financial accounting standards board ( “ fasb ” ) accounting standards codification ( “ asc ” ) 805-10-65 ( business combinations — revised ) on october 1 , 2009 , and have applied it prospectively to all business acquisitions completed since that date . in accordance with fasb asc 805-10-65 , we allocate the total acquisition price to the fair value of assets and liabilities acquired and immediately expense transaction costs that would have been included in the purchase price allocation under previous accounting standards . foreign currency translation our equity investments in albemarle & bond and cash converters international are translated from british pounds and australian dollars , respectively , into u.s. dollars at the exchange rates as of the investees ' balance sheet date of june 30. the related interest in the investees ' net income is translated at the average exchange rates for each six-month period reported by the investees . the functional currency of empeño fácil , our wholly-owned subsidiary , and crediamigo , our 60 % owned subsidiary , is the mexican peso . the functional currency of our wholly-owned foreign subsidiary in canada is the canadian dollar , and the functional currency of cash genie , our 95 % owned subsidiary , is the british pound . our foreign subsidiaries ' balance sheet accounts are translated from their respective functional currencies into u.s. dollars at the exchange rate at the end of each quarter , and their earnings are translated into u.s. dollars at the average exchange rate each quarter . we present resulting translation adjustments as a separate component of stockholders ' equity . foreign currency transaction gains and losses have not been significant , and are reported as “ other ” ( income ) or expense in our statements of operations . income taxes we account for income taxes using the asset and liability method . deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying value of assets and liabilities and their tax basis and for operating loss and tax credit carryforwards . deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which the related temporary differences are expected to be recovered or settled . the effect on deferred tax assets and liabilities of a change in tax rates is recognized when the rate change is enacted . management believes that it is more likely than not that forecasted income , including income that may be generated as a result of certain tax planning strategies , together with future reversals of existing taxable temporary differences , will be sufficient to fully recover the deferred tax assets . in the event that we determine all or part of the net deferred tax assets are not realizable in 31 the future , we will make an adjustment to the valuation allowance that would be charged to earnings in the period such determination is made . stock compensation we account for stock compensation in accordance with the fair value recognition provisions of fasb asc 718-10-25 ( compensation — stock compensation ) . the fair value of restricted shares is measured as the closing market price of our stock on the date of grant , which is amortized over the vesting period for each grant . when we grant options , our policy is to estimate the grant-date fair value of options using the black-scholes-merton option-pricing model and amortize that fair value to compensation expense on a ratable basis over the options ' vesting periods . recently issued accounting pronouncements see note 1 , “ organization and summary of significant accounting policies , ” in “ part ii — item 8 — financial statements and supplementary data ” for a discussion of recent accounting pronouncements . results of operations fiscal 2012 compared to fiscal 2011 the following discussion compares our results of operations for the year ended september 30 , 2012 to the year ended september 30 , 2011 . it should be read with the accompanying consolidated financial statements and related notes . in fiscal 2012 , consolidated total revenues increased 14 % , or $ 123.2 million , to $ 992.5 million , compared to the prior year . same store total revenues decreased $ 13.2 million , or 2 % , and new and acquired stores contributed $ 136.4 million .

