CAPITAL REQUIREMENTS AND RESTRICTIONS ON RETAINED EARNINGS (Tables)

12 Months Ended

Sep. 30, 2015

CAPITAL REQUIREMENTS AND RESTRICTIONS ON RETAINED EARNINGS [Abstract]

Bank's Actual and Required Capital Amount and Ratios

The table below includes certain non-GAAP financial measures that are used by investors, analysts and bank regulatory agencies to assess the capital position of financial services companies. Management reviews these measures along with other measures of capital as part of its financial analyses and has included this non-GAAP financial information, and the corresponding reconciliation to total equity.

	Company (Actual)					Bank (Actual)					Minimum Requirement For Capital Adequacy Purposes					Minimum Requirement To Be Well Capitalized Under Prompt Corrective Action Provisions
	Amount		Ratio			Amount		Ratio			Amount		Ratio			Amount			Ratio
	(Dollars in Thousands)
September 30, 2015

Tier 1 (core) capital (to adjusted total assets)	$	224,426		9.36	%	$	213,220		8.89	%	$	8,977		4.00	%	$	11,221			5.00	%
Common equity Tier 1 (to risk-weighted assets)		216,931		19.85			213,220		19.52			9,762		4.50			14,101			6.50
Tier 1 (core) capital (to risk-weighted assets)		224,426		20.54			213,220		19.52			13,466		6.00			17,954			8.00
Total qualifying capital (to risk-weighted assets)		230,820		21.12			219,614		20.11			18,466		8.00			23,082			10.00

September 30, 2014

Tangible capital (to tangible assets)	$	176,388		8.60	%	$	176,388		8.60	%	$	30,771		1.50	%	$	n/	a		n/a	%
Tier 1 (core) capital (to adjusted total assets)		176,388		8.60			176,388		8.60			82,057		4.00			102,571			5.00
Tier 1 (core) capital (to risk-weighted assets)		176,388		20.95			176,388		20.95			33,672		4.00			50,508			6.00
Total risk based capital (to risk-weighted assets)		181,786		21.59			181,786		21.59			67,344		8.00			84,180			10.00

Reconciliation of Required Capital Amount and Ratios

The following table provides a reconciliation of the amounts included in the table above for the Company.

	Standardized Approach (1) September 30, 2015
	(Dollars in Thousands)

Total equity	$	271,335
Adjustments:
LESS: Goodwill, net of associated deferred tax liabilities		36,642
LESS: Certain other intangible assets		13,431
LESS: Net deferred tax assets from operating loss and tax credit carry-forwards		1,876
LESS: Net unrealized gains (losses) on available-for-sale securities		2,455
Common Equity Tier 1 ⁽¹⁾		216,931
Long-term debt and other instruments qualifying as Tier 1		10,310
LESS: Additional tier 1 capital deductions		2,815
Total Tier 1 capital		224,426
Allowance for loan losses		6,394
Total qualifying capital		230,820

(1)

Basel III revised the definition of capital, increased minimum capital ratios, and introduced a minimum CET1 ratio. Those changes became effective for the Company on January 1, 2015, and are being fully phased in through the end of 2021. The capital ratios were determined using the Basel III capital rules that became effective on January 1, 2015.