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CONSOLIDATED STATEMENTS OF OPERATIONS (USD $)
In Thousands, except Per Share data, unless otherwise specified
12 Months Ended
Sep. 30, 2014
Sep. 30, 2013
Sep. 30, 2012
Interest and dividend income:      
Loans receivable, including fees $ 19,674 $ 16,151 $ 18,058
Mortgage-backed securities 15,343 11,900 16,133
Other investments 13,643 10,925 3,106
Total interest and dividend income 48,660 38,976 37,297
Interest expense:      
Deposits 965 1,280 2,205
FHLB advances and other borrowings 1,433 1,674 1,358
Total interest expense 2,398 2,954 3,563
Net interest income 46,262 36,022 33,734
Provision for loan losses 1,150 0 1,049
Net interest income after provision for loan losses 45,112 36,022 32,685
Non-interest income:      
Card fees 48,738 50,790 53,220
Bank-owned life insurance income 1,139 998 511
Loan fees 981 868 1,190
Deposit fees 616 632 616
Gain (loss) on sale of securities available for sale, net (Includes $107, $2,546, and $13,755 reclassified from accumulated other comprehensive income (loss) for net gains on available for sale securities for the fiscal year ended September 30, 2014, 2013 and 2012, respectively) 107 2,546 13,755
Gain (loss) on foreclosed real estate (93) (268) (38)
Other income (loss) 250 (63) 320
Total non-interest income 51,738 55,503 69,574
Non-interest expense:      
Compensation and benefits 38,155 34,106 31,104
Card processing expense 15,487 15,584 17,373
Occupancy and equipment expense 8,979 8,479 8,489
Legal and consulting expense 4,145 4,048 5,255
Data processing expense 1,316 1,228 1,141
Marketing 1,034 981 1,047
Impairment on assets held for sale 0 589 0
Other expense 9,115 9,388 11,054
Total non-interest expense 78,231 74,403 75,463
Income before income tax expense 18,619 17,122 26,796
Income tax expense (Includes $39, $924 and $5,261 income tax expense reclassified from accumulated other comprehensive income (loss) for the fiscal year ended September 30, 2014, 2013 and 2012, respectively) 2,906 3,704 9,682
Net income $ 15,713 $ 13,418 $ 17,114
Earnings per common share:      
Basic (in dollars per share) $ 2.57 $ 2.40 $ 4.94
Diluted (in dollars per share) $ 2.53 $ 2.38 $ 4.92