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Income Taxes - Net Deferred Tax Assets and Liabilities (Detail) - USD ($) $ in Thousands | Dec. 31, 2017 | Dec. 31, 2016
--- | --- | ---
Deferred tax assets: |  |
Allowance for credit losses | $ 6,491 | $ 15,823
Unearned insurance premiums | 2,971 | 2,612
Share-based compensation | 2,314 | 2,888
Amortization of intangible assets | 424 | 675
Accrued expenses | 391 | 565
State net operating loss carryforward | 300 | 32
Deferred contract incentive | 163 | 307
Other | 206 | 50
Gross deferred tax assets | 13,260 | 22,952
Deferred tax liabilities: |  |
Fair market value adjustment of finance receivables | 12,410 | 17,448
Tax over book depreciation | 3,463 | 2,266
Deferred loan costs | 1,633 | 2,283
Prepaid expenses | 395 | 724
Other | 320 | 198
Gross deferred tax liabilities | 18,221 | 22,919
Net deferred tax liability | $ 4,961 |
Net deferred tax asset |  | $ 33

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