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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
$ in Thousands
12 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Sep. 30, 2013
Interest and dividend income:      
Loans receivable, including fees $ 29,565 $ 19,674 $ 16,151
Mortgage-backed securities 13,979 15,343 11,900
Other investments 18,063 13,643 10,925
Total interest and dividend income 61,607 48,660 38,976
Interest expense:      
Deposits 726 965 1,280
FHLB advances and other borrowings 1,661 1,433 1,674
Total interest expense 2,387 2,398 2,954
Net interest income 59,220 46,262 36,022
Provision for loan losses 1,465 1,150 0
Net interest income after provision for loan losses 57,755 45,112 36,022
Non-interest income:      
Card fees 54,542 48,738 50,790
Bank-owned life insurance income 2,030 1,139 998
Loan fees 2,348 981 868
Deposit fees 593 616 632
Gain (loss) on sale of securities available-for-sale, net (Includes ($1,634), $107, and $2,546 reclassified from accumulated other comprehensive income (loss) for net gains (losses) on available for sale securities for the fiscal years ended September 30, 2015, 2014 and 2013, respectively) (1,634) 107 2,546
Gain (loss) on foreclosed real estate 28 (93) (268)
Other income (loss) 267 250 (63)
Total non-interest income 58,174 51,738 55,503
Non-interest expense:      
Compensation and benefits 46,493 38,155 34,106
Card processing expense 16,508 15,487 15,584
Occupancy and equipment expense 11,399 8,979 8,479
Legal and consulting expense 4,978 4,145 4,048
Data processing expense 1,347 1,316 1,228
Marketing 1,537 1,034 981
Impairment on assets held for sale 0 0 589
Other expense 14,244 9,115 9,388
Total non-interest expense 96,506 78,231 74,403
Income before income tax expense 19,423 18,619 17,122
Income tax expense (benefit) (Includes ($597), $39 and $924 income tax expense (benefit) reclassified from accumulated other comprehensive income (loss) for the fiscal years ended September 30, 2015, 2014 and 2013, respectively) 1,368 2,906 3,704
Net income $ 18,055 $ 15,713 $ 13,418
Earnings per common share:      
Basic (in dollars per share) $ 2.68 $ 2.57 $ 2.40
Diluted (in dollars per share) $ 2.66 $ 2.53 $ 2.38