Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019
ASSETS:
Cash and cash equivalents (includes interest-earning deposits of $172,430 and $198,809)	$ 185,148	$ 220,370
Available-for-sale ("AFS") securities, at estimated fair value	1,560,950	1,204,863
Loans receivable, net (allowance for credit losses ("ACL") of $31,527 and $9,226)	7,202,851	7,416,747
Federal Home Loan Bank Topeka ("FHLB") stock, at cost	93,862	98,456
Premises and equipment, net	101,875	96,784
Income taxes receivable, net	0	2
Other assets	342,532	302,796
TOTAL ASSETS	9,487,218	9,340,018
LIABILITIES:
Deposits	6,191,408	5,581,867
Borrowings	1,789,313	2,239,989
Advance payments by borrowers for taxes and insurance	65,721	65,686
Income taxes payable, net	795	0
Deferred income tax liabilities, net	8,180	14,282
Accounts payable and accrued expenses	146,942	101,868
Total liabilities	8,202,359	8,003,692
STOCKHOLDERS' EQUITY:
Preferred stock, $.01 par value; 100,000,000 shares authorized, no shares issued or outstanding	0	0
Common stock, $.01 par value; 1,400,000,000 shares authorized, 138,956,296 and 141,440,030 shares issued and outstanding as of September 30, 2020 and 2019, respectively	1,389	1,414
Additional paid-in capital	1,189,853	1,210,226
Unearned compensation, Employee Stock Ownership Plan ("ESOP")	(33,040)	(34,692)
Retained earnings	143,162	174,277
Accumulated other comprehensive (loss) income ("AOCI"), net of tax	(16,505)	(14,899)
Total stockholders' equity	1,284,859	1,336,326
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 9,487,218	$ 9,340,018