Customer Accounts (Tables)

12 Months Ended

Sep. 30, 2020

Banking and Thrift, Interest [Abstract]

Schedule of deposit liabilities

The following tables provide the composition of the Company's customer accounts, including time deposits.

	September 30, 2020						September 30, 2019
	Deposit Account Balance		As a % of Total Deposits		Weighted Average Rate		Deposit Account Balance		As a % of Total Deposits		Weighted Average Rate
($ in thousands)
Non-interest checking	$	2,164,071	15.7	%	—	%	$	1,621,343	13.5	%	—	%
Interest checking	3,029,576		22.0		0.23		1,984,576		16.6		0.61
Savings	872,087		6.3		0.11		753,574		6.3		0.13
Money market	3,740,698		27.1		0.30		2,724,308		22.7		0.82
Time deposits	3,973,192		28.8		1.17		4,906,963		40.9		1.91
Total	$	13,779,624	100	%	0.48	%	$	11,990,764	100	%	1.08	%

Schedule of time deposits

Time deposits by rate band are as follows:	September 30, 2020		September 30, 2019
	(In thousands)
Less than 1.00%	$	920,220	$	21,281
1.00% to 1.99%	2,967,345		3,588,689
2.00% to 2.99%	85,533		1,294,889
3.00% to 3.99%	94		2,104
	$	3,973,192	$	4,906,963
Time deposits by maturity band are as follows:	September 30, 2020		September 30, 2019
	(In thousands)
Within 1 year	$	3,127,416	$	3,489,839
1 to 2 years	532,264		925,170
2 to 3 years	111,204		294,990
Over 3 years	202,308		196,964
	$	3,973,192	$	4,906,963

Schedule of interest expense on customer deposits

Interest expense on customer accounts consisted of the following: 

Year ended September 30,	2020			2019			2018
	(In thousands)
Checking accounts	$	8,447		$	12,499		$	6,072
Savings accounts	959			980			920
Money market accounts	18,951			21,967			7,788
Time deposit accounts	72,494			87,665			58,468
	100,851			123,111			73,248
Less early withdrawal penalties	(539)			(895)			(756)
	$	100,312		$	122,216		$	72,492
Weighted average interest rate at end of year	0.48		%	1.08		%	0.87		%
Daily weighted average interest rate during the year	0.94		%	1.05		%	0.65		%