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Income Taxes - Net Deferred Tax Assets and Liabilities (Detail) - USD ($) $ in Thousands | Dec. 31, 2016 | Dec. 31, 2015
--- | --- | ---
Deferred tax assets: |  |
Allowance for credit losses | $ 15,823 | $ 14,463
Share-based compensation | 2,888 | 2,241
Unearned insurance premiums | 2,612 | 2,152
Amortization of intangible assets | 675 | 661
Accrued expenses | 565 | 475
Deferred contract incentive | 307 |
State net operating loss carryforward | 32 | 17
Other | 50 | 111
Gross deferred tax assets | 22,952 | 20,120
Deferred tax liabilities: |  |
Fair market value adjustment of finance receivables | 17,448 | 13,469
Deferred loan costs | 2,283 | 2,302
Tax over book depreciation | 2,266 | 1,585
Prepaid expenses | 724 | 616
Other | 198 | 166
Gross deferred tax liabilities | 22,919 | 18,138
Net deferred tax asset | $ 33 | $ 1,982

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