CAPITAL REQUIREMENTS AND RESTRICTIONS ON RETAINED EARNINGS (Tables)

12 Months Ended

Sep. 30, 2019

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 to be Adequately Capitalized Under Prompt Corrective Action Provisions		Minimum to be Well Capitalized Under Prompt Corrective Action Provisions
September 30, 2019
Tier 1 leverage capital ratio	8.33	%	9.65	%	4.00	%	5.00	%
Common equity Tier 1 capital ratio	10.35		12.31		4.50		6.50
Tier 1 capital ratio	10.71		12.37		6.00		8.00
Total capital ratio	13.01		13.02		8.00		10.00

September 30, 2018
Tier 1 leverage capital ratio	8.50	%	9.75	%	4.00	%	5.00	%
Common equity Tier 1 capital ratio	10.56		12.50		4.50		6.50
Tier 1 capital ratio	10.97		12.56		6.00		8.00
Total capital ratio	13.18		12.89		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, 2019
(Dollars in Thousands)
Total stockholders' equity	$	843,958
Adjustments:
LESS: Goodwill, net of associated deferred tax liabilities	304,020
LESS: Certain other intangible assets	50,501
LESS: Net deferred tax assets from operating loss and tax credit carry-forwards	15,569
LESS: Net unrealized gains (losses) on available-for-sale securities	6,458
LESS: Noncontrolling interest	4,047
LESS: Unrealized currency gains (losses)	—
Common Equity Tier 1 ⁽¹⁾	463,363
Long-term borrowings and other instruments qualifying as Tier 1	13,661
Tier 1 minority interest not included in common equity tier 1 capital	2,350
Total Tier 1 capital	479,374
Allowance for loan and lease losses	29,272
Subordinated debentures (net of issuance costs)	73,644
Total capital	$	582,290

⁽¹⁾Capital Ratios were determined using the Capital Rules that became effective on January 1, 2015. The Capital Rules revised the definition of capital, increased minimum capital ratios, and introduced a minimum common equity tier 1 capital ratio; those changes are being fully phased in through the end of 2021.