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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
$ in Thousands
12 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2020
Interest and dividend income:      
Loans and leases, including fees $ 268,078 $ 256,080 $ 261,128
Mortgage-backed securities 26,846 12,155 9,028
Other investments 17,272 17,619 22,685
Total interest and dividend income 312,196 285,854 292,841
Interest expense:      
Deposits 500 1,593 22,616
FHLB advances and other borrowings 4,372 5,270 11,187
Total interest expense 4,872 6,863 33,803
Net interest income 307,324 278,991 259,038
Provision for credit losses 28,538 49,766 64,776
Net interest income after provision for credit losses 278,786 229,225 194,262
Noninterest income:      
Gain (loss) on sale of securities (1,287) 6 51
Gain on divestitures 0 0 19,275
Gain on sale of trademarks 50,000 0 0
Gain (loss) on sale of other (4,920) 11,515 4,425
Other income 17,357 26,240 14,641
Total noninterest income 293,807 270,904 239,794
Noninterest expense:      
Compensation and benefits 171,126 151,090 136,247
Refund transfer product expense 8,908 11,861 7,644
Refund advance expense 2,157 2,564 2,723
Card processing 38,785 27,201 25,956
Occupancy and equipment expense 34,909 29,269 26,995
Operating lease equipment depreciation 35,636 30,987 32,831
Legal and consulting 40,634 31,341 20,858
Intangible amortization 6,585 8,545 10,997
Impairment expense 670 2,818 1,982
Other expense 45,865 48,007 52,818
Total noninterest expense 385,275 343,683 319,051
Income before income tax expense 187,318 156,446 115,005
Income tax expense 27,964 10,701 5,661
Net income before noncontrolling interest 159,354 145,745 109,344
Net income attributable to noncontrolling interest 2,968 4,037 4,624
Net income attributable to parent $ 156,386 $ 141,708 $ 104,720
Earnings per common share:      
Basic (in dollars per share) $ 5.26 $ 4.38 $ 2.94
Diluted (in dollars per share) $ 5.26 $ 4.38 $ 2.94
Refund transfer product fees      
Noninterest income:      
Noninterest income: $ 39,809 $ 37,967 $ 36,061
Refund advance fee income      
Noninterest income:      
Noninterest income: 40,557 47,639 31,826
Payment card and deposit fees      
Noninterest income:      
Noninterest income: 104,684 107,182 87,379
Other bank and deposit fees      
Noninterest income:      
Noninterest income: 1,049 939 1,310
Rental income      
Noninterest income:      
Noninterest income: $ 46,558 $ 39,416 $ 44,826