SEGMENT REPORTING

12 Months Ended

Sep. 30, 2022

Segment Reporting [Abstract]

SEGMENT REPORTING

SEGMENT REPORTING

An operating segment is generally defined as a component of a business for which discrete financial information is available and whose results are reviewed by the chief operating decision-maker. Operating segments are aggregated into reportable segments if certain criteria are met.

The Company reports its results of operations through the following three business segments: Consumer, Commercial, and Corporate Services/Other. The BaaS business line is reported in the Consumer segment. The Commercial Finance business line is reported in the Commercial segment. The Corporate Services/Other segment includes certain shared services as well as treasury related functions such as the investment portfolio, warehouse finance, wholesale deposits and borrowings.

The following tables present segment data for the Company:

	Fiscal Year Ended September 30, 2022
(Dollars in thousands)	Consumer		Commercial		Corporate Services/Other		Total
Net interest income	$	98,366	$	187,209	$	21,749	$	307,324
Provision (reversal of) for credit losses	30,680		14,674		(16,816)		28,538
Noninterest income	189,252		68,412		36,143		293,807
Noninterest expense	99,589		128,904		156,782		385,275
Income (loss) before income tax expense	157,349		112,043		(82,074)		187,318
Total assets	356,994		3,487,461		2,902,955		6,747,410
Total goodwill	87,145		222,360		—		309,505
Total deposits	5,695,776		8,965		161,296		5,866,037

	Fiscal Year Ended September 30, 2021
(Dollars in thousands)	Consumer		Commercial		Corporate Services/Other		Total
Net interest income	$	91,489	$	173,969	$	13,533	$	278,991
Provision (reversal of) for credit losses	35,765		19,791		(5,790)		49,766
Noninterest income	195,708		61,813		13,383		270,904
Noninterest expense	90,792		114,925		137,966		343,683
Income (loss) before income tax expense	160,640		101,066		(105,260)		156,446
Total assets	354,441		3,208,889		3,127,320		6,690,650
Total goodwill	87,145		222,360		—		309,505
Total deposits	5,342,192		6,625		166,154		5,514,971

	Fiscal Year Ended September 30, 2020
(Dollars in thousands)	Consumer		Commercial		Corporate Services/Other		Total
Net interest income	$	92,362	$	151,649	$	15,027	$	259,038
Provision for loan and lease losses	21,807		29,296		13,673		64,776
Noninterest income	158,284		60,151		21,359		239,794
Noninterest expense	76,533		107,790		134,728		319,051
Income (loss) before income tax expense	152,306		74,714		(112,015)		115,005
Total assets	276,998		2,854,088		2,960,988		6,092,074
Total goodwill	87,145		222,360		—		309,505
Total deposits	4,555,999		6,226		416,975		4,979,200