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Income Taxes (Tables)

12 Months Ended

Dec. 31, 2017

Income Tax Disclosure [Abstract]

Schedule of Effective Income Tax Reconciliation

Income tax expense differed from the amount computed by applying the federal income tax rate of 35% to total income before income taxes as a result of the following:

		Year Ended December 31,
In thousands		2017				2016				2015
Federal tax expense at statutory rate		$	14,090			$	13,632			$	13,349
Increase (reduction) in income taxes resulting from:
State tax, net of federal benefit			1,253				1,275				1,098
Non-deductible compensation			—				—				378
Tax rate change			(3,122	)			—				—
Excess tax benefits from share-based awards			(1,603	)			—				—
Research and development tax credits			(400	)			—				—
Other			76				10				(51	)
		$	10,294			$	14,917			$	14,774

Income Tax Expense Attributable to Total Income Before Income Taxes

Income tax expense attributable to total income before income taxes consists of the following for the periods indicated:

		Year Ended December 31,
In thousands		2017				2016				2015
Current:
Federal		$	4,479			$	11,431			$	13,037
State and local			821				1,584				1,859
			5,300				13,015				14,896
Deferred:
Federal			4,464				1,694				(104	)
State and local			530				208				(18	)
			4,994				1,902				(122	)
Total		$	10,294			$	14,917			$	14,774

Net Deferred Tax Assets and Liabilities

Net deferred tax assets and liabilities consist of the following as of the periods indicated:

		December 31,
In thousands		2017				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 asset (liability)		$	(4,961	)		$	33

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- References

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- Definition

Tabular disclosure of the components of income tax expense attributable to continuing operations for each year presented including, but not limited to: current tax expense (benefit), deferred tax expense (benefit), investment tax credits, government grants, the benefits of operating loss carryforwards, tax expense that results from allocating certain tax benefits either directly to contributed capital or to reduce goodwill or other noncurrent intangible assets of an acquired entity, adjustments of a deferred tax liability or asset for enacted changes in tax laws or rates or a change in the tax status of the entity, and adjustments of the beginning-of-the-year balances of a valuation allowance because of a change in circumstances that causes a change in judgment about the realizability of the related deferred tax asset in future years.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 9
-URI http://asc.fasb.org/extlink&oid=84230637&loc=d3e32639-109319

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- Definition

Tabular disclosure of the components of net deferred tax asset or liability recognized in an entity's statement of financial position, including the following: the total of all deferred tax liabilities, the total of all deferred tax assets, the total valuation allowance recognized for deferred tax assets.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=84230637&loc=d3e32537-109319

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- Definition

Tabular disclosure of the reconciliation using percentage or dollar amounts of the reported amount of income tax expense attributable to continuing operations for the year to the amount of income tax expense that would result from applying domestic federal statutory tax rates to pretax income from continuing operations.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=84230637&loc=d3e32687-109319

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