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LOANS AND LEASES RECEIVABLE, NET | 12 Months Ended
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Sep. 30, 2018
Loans and Leases Receivable Disclosure [Abstract] |
LOANS AND LEASES RECEIVABLE, NET | LOANS AND LEASES RECEIVABLE, NET Loans and Leases Year-end loans and leases receivable were as follows:
| September 30, 2018 |  | September 30, 2017
| (Dollars in Thousands)
National Lending |  |  |
Commercial finance | $ | 1,509,849 |  |  | $ | 255,308 |
Consumer finance | 335,361 |  |  | 140,229 |
Tax services | 1,073 |  |  | 192 |
Total National Lending | 1,846,283 |  |  | 395,729 |
Community Banking |  |  |
Commercial and multi-family real estate | 748,579 |  |  | 585,510 |
1-4 family real estate | 223,482 |  |  | 196,706 |
Agricultural | 60,498 |  |  | 95,394 |
Commercial operating | 42,311 |  |  | 30,718 |
Consumer | 23,836 |  |  | 22,775 |
Total Community Banking | 1,098,706 |  |  | 931,103 |
Total gross loans and leases receivable | 2,944,989 |  |  | 1,326,832 |
Allowance for loan and lease losses | (13,040 | ) |  | (7,534 | )
Net deferred loan origination fees | (250 | ) |  | (1,461 | )
Total loans and leases receivable, net | $ | 2,931,699 |  |  | $ | 1,317,837 |
Annual activity in the allowance for loan and lease losses was as follows:
Year ended September 30, | 2018 |  |  | 2017 |  |  | 2016 |
| (Dollars in Thousands)
Beginning balance | $ | 7,534 |  |  | $ | 5,635 |  |  | $ | 6,255 |
Provision for loan and lease losses | 29,433 |  |  | 10,589 |  |  | 4,605 |
Recoveries | 2,037 |  |  | 307 |  |  | 147 |
Charge offs | (25,964 | ) |  | (8,997 | ) |  | (5,372 | )
Ending balance | $ | 13,040 |  |  | $ | 7,534 |  |  | $ | 5,635 |
Allowance for loan and lease losses and recorded investment in loans and leases at September 30, 2018 and 2017 were as follows:
Allowance for loan and lease losses: | Beginning balance |  | Provision (recovery) for loan and lease losses |  | Charge offs |  | Recoveries |  | Ending balance
Year Ended September 30, 2018 | (Dollars in Thousands)
National Lending |  |  |  |  |  |  |  |  |
Commercial finance | $ | 800 |  |  | $ | 1,976 |  |  | $ | (2,643 | ) |  | $ | 1,169 |  |  | $ | 1,302 |
Consumer finance | — |  |  | 5,113 |  |  | (1,443 | ) |  | — |  |  | 3,670 |
Tax services | 5 |  |  | 21,344 |  |  | (21,802 | ) |  | 453 |  |  | — |
Total National Lending | 805 |  |  | 28,433 |  |  | (25,888 | ) |  | 1,622 |  |  | 4,972 |
Community Banking |  |  |  |  |  |  |  |  |
Commercial and multi-family real estate | 2,670 |  |  | 3,377 |  |  | — |  |  | — |  |  | 6,047 |
1-4 family real estate | 803 |  |  | (168 | ) |  | (45 | ) |  | — |  |  | 590 |
Agricultural | 2,574 |  |  | (1,769 | ) |  | — |  |  | 411 |  |  | 1,216 |
Commercial operating | 150 |  |  | 23 |  |  | — |  |  | — |  |  | 173 |
Consumer | 6 |  |  | 64 |  |  | (31 | ) |  | 3 |  |  | 42 |
Total Community Banking | 6,203 |  |  | 1,527 |  |  | (76 | ) |  | 414 |  |  | 8,068 |
Unallocated | 527 |  |  | (527 | ) |  | — |  |  | — |  |  | — |
Total | 7,534 |  |  | 29,433 |  |  | (25,964 | ) |  | 2,037 |  |  | 13,040 |
Allowance for loan and lease losses: | Beginning balance |  | Provision (recovery) for loan and lease losses |  | Charge offs |  | Recoveries |  | Ending balance
Year Ended September 30, 2017 | (Dollars in Thousands)
National Lending |  |  |  |  |  |  |  |  |
Commercial finance | $ | 589 |  |  | $ | 776 |  |  | $ | (626 | ) |  | $ | 61 |  |  | $ | 800 |
Consumer finance | — |  |  | — |  |  | — |  |  | — |  |  | — |
Tax services | 6 |  |  | 7,612 |  |  | (7,842 | ) |  | 229 |  |  | 5 |
Total National Lending | 595 |  |  | 8,388 |  |  | (8,468 | ) |  | 290 |  |  | 805 |
Community Banking |  |  |  |  |  |  |  |  |
Commercial and multi-family real estate | 2,198 |  |  | 610 |  |  | (138 | ) |  | — |  |  | 2,670 |
1-4 family real estate | 654 |  |  | 149 |  |  | — |  |  | — |  |  | 803 |
Agricultural | 1,474 |  |  | 1,088 |  |  | — |  |  | 12 |  |  | 2,574 |
Commercial operating | 110 |  |  | 425 |  |  | (390 | ) |  | 5 |  |  | 150 |
Consumer | 51 |  |  | (44 | ) |  | (1 | ) |  | — |  |  | 6 |
Total Community Banking | 4,487 |  |  | 2,228 |  |  | (529 | ) |  | 17 |  |  | 6,203 |
Unallocated | 553 |  |  | (26 | ) |  | — |  |  | — |  |  | 527 |
Total | 5,635 |  |  | 10,589 |  |  | (8,997 | ) |  | 307 |  |  | 7,534 |
| Allowance |  | Loans and Leases
Recorded Investment | Ending balance: individually evaluated for impairment |  | Ending balance: collectively evaluated for impairment |  | Total |  | Ending balance: individually evaluated for impairment |  | Ending balance: collectively evaluated for impairment |  | Total
Year Ended September 30, 2018 | (Dollars in Thousands)
National Lending |  |  |  |  |  |  |  |  |  |  |
Commercial finance | $ | 588 |  |  | $ | 714 |  |  | $ | 1,302 |  |  | $ | 13,612 |  |  | $ | 1,496,237 |  |  | $ | 1,509,849 |
Consumer finance | — |  |  | 3,670 |  |  | 3,670 |  |  | — |  |  | 335,361 |  |  | 335,361 |
Tax services | — |  |  | — |  |  | — |  |  | — |  |  | 1,073 |  |  | 1,073 |
Total National Lending | 588 |  |  | 4,384 |  |  | 4,972 |  |  | 13,612 |  |  | 1,832,671 |  |  | 1,846,283 |
Community Banking |  |  |  |  |  |  |  |  |  |  |
Commercial and multi-family real estate | — |  |  | 6,047 |  |  | 6,047 |  |  | 405 |  |  | 748,174 |  |  | 748,579 |
1-4 family real estate | — |  |  | 590 |  |  | 590 |  |  | 94 |  |  | 223,388 |  |  | 223,482 |
Agricultural | — |  |  | 1,216 |  |  | 1,216 |  |  | 1,454 |  |  | 59,044 |  |  | 60,498 |
Commercial operating | — |  |  | 173 |  |  | 173 |  |  | 46 |  |  | 42,265 |  |  | 42,311 |
Consumer | — |  |  | 42 |  |  | 42 |  |  | — |  |  | 23,836 |  |  | 23,836 |
Total Community Banking | — |  |  | 8,068 |  |  | 8,068 |  |  | 1,999 |  |  | 1,096,707 |  |  | 1,098,706 |
Total | 588 |  |  | 12,452 |  |  | 13,040 |  |  | 15,611 |  |  | 2,929,378 |  |  | 2,944,989 |
| Allowance |  | Loans and Leases
Recorded Investment | Ending balance: individually evaluated for impairment |  | Ending balance: collectively evaluated for impairment |  | Total |  | Ending balance: individually evaluated for impairment |  | Ending balance: collectively evaluated for impairment |  | Total
Year Ended September 30, 2017 | (Dollars in Thousands) |  |  |  |  |  |
National Lending |  |  |  |  |  |  |  |  |  |  |
Commercial finance | $ | — |  |  | $ | 800 |  |  | $ | 800 |  |  | $ | — |  |  | $ | 255,308 |  |  | $ | 255,308 |
Consumer finance | — |  |  | — |  |  | — |  |  | — |  |  | 140,229 |  |  | 140,229 |
Tax services | — |  |  | 5 |  |  | 5 |  |  | — |  |  | 192 |  |  | 192 |
Total National Lending | — |  |  | 805 |  |  | 805 |  |  | — |  |  | 395,729 |  |  | 395,729 |
Community Banking |  |  |  |  |  |  |  |  |  |  |
Commercial and multi-family real estate | — |  |  | 2,670 |  |  | 2,670 |  |  | 1,109 |  |  | 584,401 |  |  | 585,510 |
1-4 family real estate | — |  |  | 803 |  |  | 803 |  |  | 72 |  |  | 196,634 |  |  | 196,706 |
Agricultural | — |  |  | 2,574 |  |  | 2,574 |  |  | — |  |  | 95,394 |  |  | 95,394 |
Commercial operating | — |  |  | 150 |  |  | 150 |  |  | — |  |  | 30,718 |  |  | 30,718 |
Consumer | — |  |  | 6 |  |  | 6 |  |  | — |  |  | 22,775 |  |  | 22,775 |
Total Community Banking | — |  |  | 6,203 |  |  | 6,203 |  |  | — |  |  | 931,103 |  |  | 931,103 |
Unallocated | — |  |  | 527 |  |  | 527 |  |  | — |  |  | — |  |  | — |
Total | — |  |  | 7,534 |  |  | 7,534 |  |  | 1,181 |  |  | 1,325,651 |  |  | 1,326,832 |
The asset classification of loans and leases at September 30, 2018, and 2017, were as follows:
Asset Classification | Pass |  | Watch |  | Special Mention |  | Substandard |  | Total
Year Ended September 30, 2018 | (Dollars in Thousands) |
National Lending |  |  |  |  |  |  |  |  |
Commercial finance | $ | 1,379,902 |  |  | $ | — |  |  | $ | 116,334 |  |  | $ | 13,613 |  |  | 1,509,849 |
Consumer finance | 335,361 |  |  | — |  |  | — |  |  | — |  |  | 335,361 |
Tax services | 1,073 |  |  | — |  |  | — |  |  | — |  |  | 1,073 |
Total National Lending | 1,716,336 |  |  | — |  |  | 116,334 |  |  | 13,613 |  |  | 1,846,283 |
Community Banking |  |  |  |  |  |  |  |  |
Commercial and multi-family real estate | 736,134 |  |  | 12,251 |  |  | 194 |  |  | — |  |  | 748,579 |
1-4 family real estate | 222,883 |  |  | 281 |  |  | 239 |  |  | 79 |  |  | 223,482 |
Agricultural | 42,292 |  |  | 2,447 |  |  | 4,872 |  |  | 10,887 |  |  | 60,498 |
Commercial operating | 42,311 |  |  | — |  |  | — |  |  | — |  |  | 42,311 |
Consumer | 23,580 |  |  | 256 |  |  | — |  |  | — |  |  | 23,836 |
Total Community Banking | 1,067,200 |  |  | 15,235 |  |  | 5,305 |  |  | 10,966 |  |  | 1,098,706 |
Total Loans and Leases | $ | 2,783,536 |  |  | $ | 15,235 |  |  | $ | 121,639 |  |  | $ | 24,579 |  |  | $ | 2,944,989 |
Asset Classification | Pass |  | Watch |  | Special Mention |  | Substandard |  | Total
Year Ended September 30, 2017 | (Dollars in Thousands) |
National Lending |  |  |  |  |  |  |  |  |
Commercial finance | $ | 255,308 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | 255,308 |
Consumer finance | 140,229 |  |  | — |  |  | — |  |  | — |  |  | 140,229 |
Tax services | 192 |  |  | — |  |  | — |  |  | — |  |  | 192 |
Total National Lending | 395,729 |  |  | — |  |  | — |  |  | — |  |  | 395,729 |
Community Banking |  |  |  |  |  |  |  |  |
Commercial and multi-family real estate | 574,730 |  |  | 10,200 |  |  | 201 |  |  | 379 |  |  | 585,510 |
1-4 family real estate | 195,838 |  |  | 525 |  |  | 247 |  |  | 96 |  |  | 196,706 |
Agricultural | 45,770 |  |  | 6,547 |  |  | 2,939 |  |  | 40,138 |  |  | 95,394 |
Commercial operating | 30,718 |  |  | — |  |  | — |  |  | — |  |  | 30,718 |
Consumer | 22,775 |  |  | — |  |  | — |  |  | — |  |  | 22,775 |
Total Community Banking | 869,831 |  |  | 17,272 |  |  | 3,387 |  |  | 40,613 |  |  | 931,103 |
Total Loans and Leases | $ | 1,265,560 |  |  | $ | 17,272 |  |  | $ | 3,387 |  |  | $ | 40,613 |  |  | $ | 1,326,832 |
Federal regulations provide for the classification of loans and other assets such as debt and equity securities considered by the Bank's regulator, the Office of the Comptroller of the Currency (the “OCC”), to be of lesser quality as “substandard,” “doubtful” or “loss.” The loan classification and risk rating definitions are as follows: Pass- A pass asset is of sufficient quality in terms of repayment, collateral and management to preclude a special mention or an adverse rating. Watch- A watch asset is generally a credit performing well under current terms and conditions but with identifiable weakness meriting additional scrutiny and corrective measures. Watch is not a regulatory classification but can be used to designate assets that are exhibiting one or more weaknesses that deserve management’s attention. These assets are of better quality than special mention assets. Special Mention- Special mention assets are a credit with potential weaknesses deserving management’s close attention and, if left uncorrected, may result in deterioration of the repayment prospects for the asset. Special mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. Special mention is a temporary status with aggressive credit management required to garner adequate progress and move to watch or higher. The adverse classifications are as follows: Substandard- A substandard asset is inadequately protected by the net worth and/or repayment ability or by a weak collateral position. Assets so classified will have well-defined weaknesses creating a distinct possibility the Bank will sustain some loss if the weaknesses are not corrected. Loss potential does not have to exist for an asset to be classified as substandard. Doubtful- A doubtful asset has weaknesses similar to those classified substandard, with the degree of weakness causing the likely loss of some principal in any reasonable collection effort. Due to pending factors, the asset’s classification as loss is not yet appropriate. Loss- A loss asset is considered uncollectible and of such little value that the asset’s continuance on the Bank’s balance sheet is no longer warranted. This classification does not necessarily mean an asset has no recovery or salvage value leaving room for future collection efforts. Loans and leases, or portions thereof, are charged off when collection of principal becomes doubtful. Generally, this is associated with a delay or shortfall in payments of 210 days or more for commercial insurance premium finance, 180 days or more for the purchased student loan portfolios, 120 days or more for consumer credit products and leases, and 90 days or more for community banking loans and commercial finance loans. Action is taken to charge off ERO loans if such loans have not been collected by the end of June and taxpayer advance loans if such loans have not been collected by the end of the calendar year. Non-accrual loans and troubled debt restructurings are generally considered impaired. Past due loans and leases at September 30, 2018 and 2017 were as follows:
| Accruing and Non-accruing Loans and Leases |  | Non-performing Loans and Leases
Past Due Loans and Leases | 30-59 Days Past Due |  | 60-89 Days Past Due |  | > 89 Days Past Due |  | Total Past Due |  | Current |  | Total Loans and Leases Receivable |  | > 89 Days Past Due and Accruing |  | Non-accrual balance |  | Total
Year Ended September 30, 2018 | (Dollars in Thousands)
National Lending |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial finance | 20,708 |  |  | 3,702 |  |  | 5,996 |  |  | 30,406 |  |  | 1,479,443 |  |  | 1,509,849 |  |  | 3,801 |  |  | 2,864 |  |  | 6,665 |
Consumer finance | 3,209 |  |  | 1,595 |  |  | 2,384 |  |  | 7,188 |  |  | 328,173 |  |  | 335,361 |  |  | 2,384 |  |  | — |  |  | 2,384 |
Tax services | — |  |  | — |  |  | 1,073 |  |  | 1,073 |  |  | — |  |  | 1,073 |  |  | 1,073 |  |  | — |  |  | 1,073 |
Total National Lending | 23,917 |  |  | 5,297 |  |  | 9,453 |  |  | 38,667 |  |  | 1,807,616 |  |  | 1,846,283 |  |  | 7,258 |  |  | 2,864 |  |  | 10,122 |
Community Banking |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multi-family real estate | — |  |  | — |  |  | — |  |  | — |  |  | 748,579 |  |  | 748,579 |  |  | — |  |  | — |  |  | — |
1-4 family real estate | 105 |  |  | — |  |  | 79 |  |  | 184 |  |  | 223,298 |  |  | 223,482 |  |  | 79 |  |  | — |  |  | 79 |
Agricultural | — |  |  | — |  |  | — |  |  | — |  |  | 60,498 |  |  | 60,498 |  |  | — |  |  | — |  |  | — |
Commercial operating | — |  |  | — |  |  | — |  |  | — |  |  | 42,311 |  |  | 42,311 |  |  | — |  |  | — |  |  | — |
Consumer | — |  |  | — |  |  | — |  |  | — |  |  | 23,836 |  |  | 23,836 |  |  | — |  |  | — |  |  | — |
Total Community Banking | 105 |  |  | — |  |  | 79 |  |  | 184 |  |  | 1,098,522 |  |  | 1,098,706 |  |  | 79 |  |  | — |  |  | 79 |
Total Loans and Leases | 24,022 |  |  | 5,297 |  |  | 9,532 |  |  | 38,851 |  |  | 2,906,138 |  |  | 2,944,989 |  |  | 7,337 |  |  | 2,864 |  |  | 10,201 |
| Accruing and Non-accruing Loans and Leases |  | Non-performing Loans and Leases
Past Due Loans and Leases | 30-59 Days Past Due |  | 60-89 Days Past Due |  | > 89 Days Past Due |  | Total Past Due |  | Current |  | Total Loans and Leases Receivable |  | > 89 Days Past Due and Accruing |  | Non-accrual balance |  | Total
Year Ended September 30, 2017 | (Dollars in Thousands)
National Lending |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial finance | $ | 1,509 |  |  | $ | 2,442 |  |  | $ | 1,205 |  |  | $ | 5,156 |  |  | $ | 250,152 |  |  | $ | 255,308 |  |  | $ | 1,205 |  |  | $ | — |  |  | $ | 1,205 |
Consumer finance | 2,503 |  |  | 541 |  |  | 1,387 |  |  | 4,431 |  |  | 135,798 |  |  | 140,229 |  |  | 1,387 |  |  | — |  |  | 1,387 |
Tax services | — |  |  | — |  |  | — |  |  | — |  |  | 192 |  |  | 192 |  |  | — |  |  | — |  |  | — |
Total National Lending | 4,012 |  |  | 2,983 |  |  | 2,592 |  |  | 9,587 |  |  | 386,142 |  |  | 395,729 |  |  | 2,592 |  |  | — |  |  | 2,592 |
Community Banking |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and multi-family real estate | 295 |  |  | — |  |  | 390 |  |  | 685 |  |  | 584,825 |  |  | 585,510 |  |  | — |  |  | 685 |  |  | 685 |
1-4 family real estate | 370 |  |  | 79 |  |  | — |  |  | 449 |  |  | 196,257 |  |  | 196,706 |  |  | — |  |  | — |  |  | — |
Agricultural | — |  |  | — |  |  | 34,295 |  |  | 34,295 |  |  | 61,099 |  |  | 95,394 |  |  | 34,295 |  |  | — |  |  | 34,295 |
Commercial operating | — |  |  | — |  |  | — |  |  | — |  |  | 30,718 |  |  | 30,718 |  |  | — |  |  | — |  |  | — |
Consumer | 9 |  |  | 17 |  |  | 19 |  |  | 45 |  |  | 22,730 |  |  | 22,775 |  |  | 19 |  |  | — |  |  | 19 |
Total Community Banking | 674 |  |  | 96 |  |  | 34,704 |  |  | 35,474 |  |  | 895,629 |  |  | 931,103 |  |  | 34,314 |  |  | 685 |  |  | 34,999 |
Total Loans and Leases | $ | 4,686 |  |  | $ | 3,079 |  |  | $ | 37,296 |  |  | $ | 45,061 |  |  | $ | 1,281,771 |  |  | $ | 1,326,832 |  |  | $ | 36,906 |  |  | $ | 685 |  |  | $ | 37,591 |
Non-accruing loans and leases were $2.9 million and $0.7 million at September 30, 2018 and 2017, respectively. There were $7.3 million and $36.9 million in accruing loans and leases delinquent 90 days or more at September 30, 2018 and 2017, respectively. For the year ended September 30, 2018, gross interest income which would have been recorded had the non-accruing loans and leases been current in accordance with their original terms amounted to approximately $0.1 million, none of which was included in interest income. When analysis of borrower operating results and financial condition indicates that underlying cash flows of the borrower’s business are not adequate to meet its debt service requirements, the loan is evaluated for impairment. Often, this is associated with a delay or shortfall in scheduled payments, as described above. Impaired loans and leases at September 30, 2018 and 2017 were as follows:
September 30, 2018 | Recorded Balance |  | Unpaid Principal Balance |  | Specific Allowance
Loans and leases without a specific valuation allowance | (Dollars in Thousands)
National Lending |  |  |  |  |
Commercial finance | $ | 8,199 |  |  | $ | 8,529 |  |  | $ | — |
Total National Lending | 8,199 |  |  | 8,529 |  |  | — |
Community Banking |  |  |  |  |
Commercial and multi-family real estate | 405 |  |  | 405 |  |  | — |
1-4 family real estate | 94 |  |  | 94 |  |  | — |
Agricultural | 1,454 |  |  | 1,454 |  |  | — |
Consumer | 46 |  |  | 46 |  |  | — |
Total Community Banking | 1,999 |  |  | 1,999 |  |  | — |
Total | 10,198 |  |  | 10,528 |  |  | — |
Loans and leases with a specific valuation allowance |
National Lending |  |  |  |  |
Commercial finance | $ | 5,413 |  |  | $ | 5,663 |  |  | $ | 588 |
Total National Lending | 5,413 |  |  | 5,663 |  |  | 588 |
Total | 5,413 |  |  | 5,413 |  |  | 588 |
September 30, 2017 | Recorded Balance |  | Unpaid Principal Balance |  | Specific Allowance
Loans and leases without a specific valuation allowance | (Dollars in Thousands)
Community Banking |  |  |  |  |
Commercial and multi-family real estate | $ | 1,109 |  |  | $ | 1,109 |  |  | $ | — |
1-4 family real estate | 72 |  |  | 72 |  |  | — |
Total Community Banking | 1,181 |  |  | 1,181 |  |  | — |
Total | $ | 1,181 |  |  | $ | 1,181 |  |  | $ | — |
Loans and leases with a specific valuation allowance |
Total | $ | — |  |  | $ | — |  |  | $ | — |
Cash interest collected on impaired loans and leases was not material during the years ended September 30, 2018 and 2017. The following table provides the average recorded investment in impaired loans and leases for the years ended September 30, 2018 and 2017.
| Year Ended September 30,
| 2018 |  | 2017
| Average Recorded Investment |  | Average Recorded Investment
| (Dollars in Thousands)
National Lending |  |  |
Commercial finance | $ | 1,134 |  |  | $ | — |
Total National Lending | 1,134 |  |  | — |
Community Banking |  |  |
Commercial and multi-family real estate | 673 |  |  | 883 |
1-4 family real estate | 159 |  |  | 176 |
Agricultural | 1,652 |  |  | 414 |
Commercial operating | — |  |  | 202 |
Consumer | 67 |  |  | — |
Total Community Banking | 2,551 |  |  | 1,675 |
Total loans and leases | 3,685 |  |  | 1,675 |
For economic or legal reasons relating to a borrower’s financial difficulties, the Company may grant to a borrower a concession for other than an insignificant period of time that the Company would not otherwise grant. The Company classifies these related loans and leases as troubled debt restructurings (“TDR”) which may involve forgiving a portion of interest or principal on existing loans or leases, making loans or leases at a rate materially less than current market rates, or extending the term of the loan or lease. For the year ended September 30, 2018, the Company had 10 Community Banking loans with a balance of $2.0 million, and 11 National Lending loans and leases, with a balance of $2.5 million classified as TDRs. For the year ended September 30, 2017, the Company had four Community Banking loans, with a balance of $0.5 million classified as TDRs. All of the TDRs that were modified during the year ended September 30, 2018 were modified to extend the term of the loan. During the year ended September 30, 2018, the Company had one Community Banking loan with a balance of $0.1 million that was modified in a TDR within the previous 12 months and for which there was a payment default. For the year ended September 30, 2017, there were no TDR loans for which there was a payment default. The Company had no commitments to lend additional funds on loans or leases with terms modified in a TDR at September 30, 2018 and 2017.

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