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v3.20.2

Allowance for Loan Losses - ASU and Change in Accounting Principle (Details) - USD ($) $ in Thousands | Sep. 30, 2020 | Oct. 01, 2019 | Sep. 30, 2019 | Sep. 30, 2018
--- | --- | --- | --- | ---
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses | $ 166,955 | [1] |  | $ 131,534 | [1] | $ 129,257
Reserve for unfunded commitments | 25,000 |  |  | 6,900 |  |
Total allowance for credit losses | 191,955 |  |  | 138,434 |  |
Cumulative Effect, Period of Adoption, Adjustment |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  |  | 17,750 |  |
Reserve for unfunded commitments |  |  |  | 10,750 |  |
Total allowance for credit losses |  |  |  | 28,500 |  |
Cumulative Effect, Period of Adoption, Adjusted Balance |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  | $ 149,284 |  |  |
Reserve for unfunded commitments |  |  | 17,650 |  |  |
Total allowance for credit losses |  |  | 166,934 |  |  |
Commercial loans |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses | 109,923 |  |  | 93,470 |  | 88,178
Commercial loans | Cumulative Effect, Period of Adoption, Adjustment |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  |  | (4,135) |  |
Commercial loans | Cumulative Effect, Period of Adoption, Adjusted Balance |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  | 89,335 |  |  |
Commercial loans | Multi-family |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses | 13,853 |  |  | 7,391 |  | 8,329
Commercial loans | Multi-family | Cumulative Effect, Period of Adoption, Adjustment |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  |  | 3,013 |  |
Commercial loans | Multi-family | Cumulative Effect, Period of Adoption, Adjusted Balance |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  | 10,404 |  |  |
Commercial loans | Commercial real estate |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses | 22,516 |  |  | 13,170 |  | 11,852
Commercial loans | Commercial real estate | Cumulative Effect, Period of Adoption, Adjustment |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  |  | (146) |  |
Commercial loans | Commercial real estate | Cumulative Effect, Period of Adoption, Adjusted Balance |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  | 13,024 |  |  |
Commercial loans | Commercial & industrial |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses | 38,665 |  |  | 31,450 |  | 28,702
Commercial loans | Commercial & industrial | Cumulative Effect, Period of Adoption, Adjustment |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  |  | 785 |  |
Commercial loans | Commercial & industrial | Cumulative Effect, Period of Adoption, Adjusted Balance |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  | 32,235 |  |  |
Commercial loans | Construction |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses | 24,156 |  |  | 32,304 |  | 31,317
Commercial loans | Construction | Cumulative Effect, Period of Adoption, Adjustment |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  |  | (9,536) |  |
Commercial loans | Construction | Cumulative Effect, Period of Adoption, Adjusted Balance |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  | 22,768 |  |  |
Commercial loans | Land - acquisition & development |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses | 10,733 |  |  | 9,155 |  | 7,978
Commercial loans | Land - acquisition & development | Cumulative Effect, Period of Adoption, Adjustment |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  |  | 1,749 |  |
Commercial loans | Land - acquisition & development | Cumulative Effect, Period of Adoption, Adjusted Balance |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  | 10,904 |  |  |
Consumer loans |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses | 57,032 |  |  | 38,064 |  | 41,079
Consumer loans | Cumulative Effect, Period of Adoption, Adjustment |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  |  | 21,885 |  |
Consumer loans | Cumulative Effect, Period of Adoption, Adjusted Balance |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  | 59,949 |  |  |
Consumer loans | Construction |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses | 3,555 |  |  | 1,369 |  | 1,842
Consumer loans | Construction | Cumulative Effect, Period of Adoption, Adjustment |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  |  | 1,511 |  |
Consumer loans | Construction | Cumulative Effect, Period of Adoption, Adjusted Balance |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  | 2,880 |  |  |
Consumer loans | Single-family residential |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses | 45,186 |  |  | 30,988 |  | 33,033
Consumer loans | Single-family residential | Cumulative Effect, Period of Adoption, Adjustment |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  |  | 16,783 |  |
Consumer loans | Single-family residential | Cumulative Effect, Period of Adoption, Adjusted Balance |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  | 47,771 |  |  |
Consumer loans | Land - consumer lot loans |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses | 2,729 |  |  | 2,143 |  | 2,164
Consumer loans | Land - consumer lot loans | Cumulative Effect, Period of Adoption, Adjustment |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  |  | 492 |  |
Consumer loans | Land - consumer lot loans | Cumulative Effect, Period of Adoption, Adjusted Balance |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  | 2,635 |  |  |
Consumer loans | HELOC |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses | 2,571 |  |  | 1,103 |  | 781
Consumer loans | HELOC | Cumulative Effect, Period of Adoption, Adjustment |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  |  | 945 |  |
Consumer loans | HELOC | Cumulative Effect, Period of Adoption, Adjusted Balance |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  | 2,048 |  |  |
Consumer loans | Consumer |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses | $ 2,991 |  |  | 2,461 |  | $ 3,259
Consumer loans | Consumer | Cumulative Effect, Period of Adoption, Adjustment |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  |  | $ 2,154 |  |
Consumer loans | Consumer | Cumulative Effect, Period of Adoption, Adjusted Balance |  |  |  |  |  |
New Accounting Pronouncements or Change in Accounting Principle [Line Items] |  |  |  |  |  |
Allowance for loan losses |  |  | $ 4,615 |  |  |
[1] | Effective October 1, 2019, the Company has applied FASB ASU 2016-13, Financial Instruments - Credit Losses ("ASC 326"), which requires the use of the current expected credit loss methodology ("CECL"). Prior to October 1, 2019, the calculation was based on incurred loss methodology. See Note E "Allowance for Loan Losses" for details.

X
- Definition Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(1) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03(7)(2)) -URI http://asc.fasb.org/extlink&oid=120398452&loc=d3e534808-122878 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 45 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=121599878&loc=SL82895884-210446 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -Subparagraph (a) -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919249-210447 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -Subparagraph (f) -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919249-210447 + Details
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- Definition Amount of expected credit loss for credit exposure on off-balance-sheet commitment, including but not limited to, loan commitment, standby letter of credit, financial guarantee not accounted for as insurance. Excludes off-balance sheet credit exposure accounted for as insurance and instrument accounted for under derivatives and hedging. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 460 -SubTopic 10 -Section 45 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=121611286&loc=d3e11927-110247 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 45 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=121599878&loc=SL82919202-210446 + Details
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