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Customer Accounts (Tables)

12 Months Ended

Sep. 30, 2019

Banking and Thrift [Abstract]

Schedule of deposit liabilities

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

	September 30, 2019										September 30, 2018
	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	$	1,621,343			13.5	%		—	%		$	1,401,226			12.4	%		—	%
Interest checking	1,984,576				16.6			0.61			1,778,520				15.6			0.50
Savings	753,574				6.3			0.13			836,501				7.3			0.11
Money market	2,724,308				22.7			0.82			2,566,096				22.5			0.65
Time deposits	4,906,963				40.9			1.91			4,804,803				42.2			1.50
Total	$	11,990,764			100	%		1.08	%		$	11,387,146			100	%		0.87	%

Schedule of time deposits

Time deposits by rate band are as follows:	September 30, 2019			September 30, 2018
	(In thousands)
Time deposit accounts
Less than 1.00%	$	21,281		$	629,589
1.00% to 1.99%	3,588,689			3,761,543
2.00% to 2.99%	1,294,889			413,671
3.00% to 3.99%	2,104			—
Total time deposits	$	4,906,963		$	4,804,803
Time deposits by maturity band are as follows:	September 30, 2019			September 30, 2018
	(In thousands)
Within 1 year	$	3,489,839		$	2,800,978
1 to 2 years	925,170			1,335,242
2 to 3 years	294,990			296,238
Over 3 years	196,964			372,345
	$	4,906,963		$	4,804,803

Schedule of interest expense on customer deposits

Interest expense on customer accounts consisted of the following: 

Year ended September 30,	2019			2018			2017
	(In thousands)
Checking accounts	$	12,499		$	6,072		$	2,721
Savings accounts	980			920			978
Money market accounts	21,967			7,788			3,592
Time deposit accounts	87,665			58,468			45,256
	123,111			73,248			52,547
Less early withdrawal penalties	(895		)	(756		)	(524		)
	$	122,216		$	72,492		$	52,023
Weighted average interest rate at end of year	1.08		%	0.87		%	0.54		%
Weighted daily average interest rate during the year	1.05		%	0.65		%	0.49		%

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Tabular disclosure of type of deposit liability.

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Tabular disclosure of interest income and expense, including, but not limited to, interest income and expense from investments, loans, and securities.

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Tabular disclosure of time deposit liability maturities.

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Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6802200&loc=d3e1835-112601

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