CAPITAL REQUIREMENTS AND RESTRICTIONS ON RETAINED EARNINGS (Tables)

12 Months Ended

Sep. 30, 2017

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		Bank		Minimum Requirement For Capital Adequacy Purposes		Minimum Requirement To Be Well Capitalized Under Prompt Corrective Action Provisions

September 30, 2017

Tier 1 leverage ratio	7.64	%	9.64	%	4.00	%	5.00	%
Common equity Tier 1 capital ratio	13.97		18.22		4.50		6.50
Tier 1 capital ratio	14.46		18.22		6.00		8.00
Total qualifying capital ratio	18.41		18.59		8.00		10.00

September 30, 2016

Tier 1 leverage ratio	8.35	%	10.35	%	4.00	%	5.00	%
Common equity Tier 1 capital ratio	17.28		21.95		4.50		6.50
Tier 1 capital ratio	17.82		21.95		6.00		8.00
Total qualifying capital ratio	23.17		22.35		8.00		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, 2017
	(Dollars in Thousands)

Total equity	$	434,496
Adjustments:
LESS: Goodwill, net of associated deferred tax liabilities	95,332
LESS: Certain other intangible assets	41,743
LESS: Net deferred tax assets from operating loss and tax credit carry-forwards	1,495
LESS: Net unrealized gains (losses) on available-for-sale securities	9,166
Common Equity Tier 1 ⁽¹⁾	286,760
Long-term debt and other instruments qualifying as Tier 1	10,310
LESS: Additional tier 1 capital deductions	374
Total Tier 1 capital	296,696
Allowance for loan losses	7,718
Subordinated debentures (net of issuance costs)	73,347
Total qualifying capital	377,761

(1) The Basel III Capital Rules 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.