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LOANS AND LEASES, NET (Tables)

6 Months Ended

Mar. 31, 2020

Loans and Leases Receivable Disclosure [Abstract]

Schedule of Loans Receivable

Loans and leases consist of the following:

(Dollars in Thousands)			March 31, 2020						September 30, 2019
National Lending
Term lending(1)			$	725,581					$	641,742
Asset based lending(1)			250,211						250,465
Factoring			285,495						296,507
Lease financing(1)			238,788						177,915
Insurance premium finance			332,800						361,105
SBA/USDA			92,000						88,831
Other commercial finance			101,472						99,665
Commercial finance			2,026,347						1,916,230
Consumer credit products			113,544						106,794
Other consumer finance			144,895						161,404
Consumer finance			258,439						268,198
Tax services			95,936						2,240
Warehouse finance			333,829						262,924
Total National Lending			2,714,551						2,449,592
Community Banking
Commercial real estate and operating			654,429						883,932
Consumer one-to-four family real estate and other			205,046						259,425
Agricultural real estate and operating			36,759						58,464
Total Community Banking			896,234						1,201,821
Total loans and leases			3,610,785						3,651,413
Net deferred loan origination fees (costs)			8,139						7,434
Total gross loans and leases			3,618,924						3,658,847
Allowance for loan and lease losses			(65,355)						(29,149)
Total loans and leases, net(2)			$	3,553,569					$	3,629,698

⁽¹⁾ The Company has updated the presentation of its loan and lease table beginning in the fiscal 2020 first quarter. The new presentation includes a new category called term lending. Certain balances previously included in the asset based lending and lease financing categories have been reclassified into the new term lending category during the fiscal 2020 first quarter. Prior period balances have been conformed to the new presentation.

⁽²⁾ As of March 31, 2020, the remaining balance of acquired loans and leases from the acquisition of Crestmark Bancorp, Inc. ("Crestmark") and its bank subsidiary, Crestmark Bank (the "Crestmark Acquisition") was $236.6 million and the remaining balances of the credit and interest rate mark discounts related to the acquired loans and leases held for investment were $4.3 million and $2.7 million, respectively, while the remaining balance of the interest rate mark premium related to the acquired loans held for sale was $0.4 million. On August 1, 2018, the Company acquired loans and leases from the Crestmark Acquisition totaling $1.06 billion and recorded related credit and interest rate mark discounts of $12.3 million and $6.0 million, respectively.

Schedule of Loans Purchased and Sold by Portfolio Segment

Loans purchased and sold by portfolio segment, including participation interests, for the three and six months ended were as follows:

			Three Months Ended March 31,																		Six Months Ended March 31,
(Dollars in Thousands)			2020						2019						2020						2019
Loans Purchased
Loans held for sale:
Total National Lending			$	—					$	5,940					$	—					$	5,940
Loans held for investment:
Total National Lending			89,424						10,621						103,888						125,591
Total Community Banking			9,440						7,432						13,789						18,513
Total purchases			$	98,864					$	23,933					$	117,677					$	150,044
Loans Sold
Loans held for sale:
Total National Lending			$	17,255					$	28,051					$	160,290					$	34,904
Total Community Banking			271,681						—						271,681						—
Loans held for investment:
Total Community Banking			—						10,479						3,099						10,857
Total sales			$	288,936					$	38,530					$	435,070					$	45,761

Sales-type Lease, Lease Income

The net investment in direct financing and sales-type leases was comprised of the following:

(Dollars in Thousands)			March 31, 2020						September 30, 2019
Carrying Amount			$	255,005					$	191,733
Unguaranteed residual assets			16,490						13,353
Unamortized initial direct costs			1,769						1,790
Unearned income			(32,707)						(27,171)
Total net investment in direct financing and sales-type leases			$	240,557					$	179,705

Operating Lease, Lease Income

The components of total lease income were as follows:

			March 31, 2020
(Dollars in Thousands)			Three Months Ended						Six Months Ended
Interest income - loans and leases
Interest income on net investments in direct financing and sales-type leases			$	4,375					$	8,462
Leasing and equipment finance noninterest income
Lease income from operating lease payments			11,263						22,466
Profit (loss) recorded on commencement date on sales-type leases			16						487
Other(1)			1,831						2,581
Total leasing and equipment finance noninterest income			13,110						25,534
Total lease income			$	17,485					$	33,996

⁽¹⁾ Other leasing and equipment finance noninterest income consists of gains (losses) on sales of leased equipment, fees and service charges on leases and gains (losses) on sales of leases.

Sales-type and Direct Financing Leases, Lease Receivable, Maturity

Undiscounted future minimum lease payments receivable for direct financing and sales-type leases and a reconciliation to the carrying amount recorded were as follows:

(Dollars in Thousands)
Remaining in 2020			$	46,751
2021			81,458
2022			61,177
2023			37,755
2024			20,933
Thereafter			6,931
Equipment under leases not yet commenced			—
Total undiscounted future minimum lease payments receivable for direct financing and sales-type leases			255,005
Third-party residual value guarantees			—
Total carrying amount of direct financing and sales-type leases			$	255,005

Annual Activity in Allowance for Loan Losses, Allowance for Loan Losses and Recorded Investment in Loans

Activity in the allowance for loan and lease losses and balances of loans and leases by portfolio segment for each of the three and six months ended was as follows:

			Three Months Ended March 31, 2020
(Dollars in Thousands)			Beginning balance						Provision (recovery) for loan and lease losses						Charge-offs						Recoveries						Ending balance
Allowance for loan and lease losses:
National Lending
Term lending			$	6,750					$	5,679					$	(877)					$	95					$	11,647
Asset based lending			1,995						803						—						28						2,826
Factoring			3,548						1,231						(345)						10						4,444
Lease financing			1,695						1,043						(152)						97						2,683
Insurance premium finance			970						1,935						(789)						26						2,142
SBA/USDA			765						910						(117)						—						1,558
Other commercial finance			160						392						—						—						552
Commercial finance			15,883						11,993						(2,280)						256						25,852
Consumer credit products			1,107						(25)						—						—						1,082
Other consumer finance			4,889						(1,308)						(907)						740						3,414
Consumer finance			5,996						(1,333)						(907)						740						4,496
Tax services			1,650						19,596						—						74						21,320
Warehouse finance			269						65						—						—						334
Total National Lending			23,798						30,321						(3,187)						1,070						52,002
Community Banking
Commercial real estate and operating			4,665						5,404						—						—						10,069
Consumer one-to-four family real estate and other			1,031						1,319						—						—						2,350
Agricultural real estate and operating			682						252						—						—						934
Total Community Banking			6,378						6,975						—						—						13,353
Total			$	30,176					$	37,296					$	(3,187)					$	1,070					$	65,355

			Six Months Ended March 31, 2020
(Dollars in Thousands)			Beginning balance						Provision (recovery) for loan and lease losses						Charge-offs						Recoveries						Ending balance
Allowance for loan and lease losses:
National Lending
Term lending			$	5,533					$	9,081					$	(3,172)					$	205					$	11,647
Asset based lending			2,437						342						—						47						2,826
Factoring			3,261						1,489						(735)						429						4,444
Lease financing			1,275						1,546						(367)						229						2,683
Insurance premium finance			1,024						2,076						(1,074)						116						2,142
SBA/USDA			383						1,292						(117)						—						1,558
Other commercial finance			683						(131)						—						—						552
Commercial finance			14,596						15,695						(5,465)						1,026						25,852
Consumer credit products			1,044						38						—						—						1,082
Other consumer finance			5,118						(833)						(1,640)						769						3,414
Consumer finance			6,162						(795)						(1,640)						769						4,496
Tax services			—						20,507						—						813						21,320
Warehouse finance			263						71						—						—						334
Total National Lending			21,021						35,478						(7,105)						2,608						52,002
Community Banking
Commercial real estate and operating			6,208						3,861						—						—						10,069
Consumer one-to-four family real estate and other			1,053						1,297						—						—						2,350
Agricultural real estate and operating			867						67						—						—						934
Total Community Banking			8,128						5,225						—						—						13,353
Total			$	29,149					$	40,703					$	(7,105)					$	2,608					$	65,355

			Three Months Ended March 31, 2019
(Dollars in Thousands)			Beginning balance						Provision (recovery) for loan and lease losses						Charge-offs						Recoveries						Ending balance
Allowance for loan and lease losses:
National Lending
Term lending			$	1,835					$	1,654					$	(453)					$	85					$	3,121
Asset based lending			775						634						—						1						1,410
Factoring			1,062						1,799						(1,125)						25						1,761
Lease financing			539						748						(591)						237						933
Insurance premium finance			972						1,797						(1,877)						27						919
SBA/USDA			253						221						—						—						474
Other commercial finance			291						234						—						—						525
Commercial finance			5,727						7,087						(4,046)						375						9,143
Consumer credit products			1,151						163						—						—						1,314
Other consumer finance			4,222						3,336						(2,456)						28						5,130
Consumer finance			5,373						3,499						(2,456)						28						6,444
Tax services			1,546						22,473						(1)						84						24,102
Warehouse finance			176						9						—						—						185
Total National Lending			12,822						33,068						(6,503)						487						39,874
Community Banking
Commercial real estate and operating			6,570						103						—						—						6,673
Consumer one-to-four family real estate and other			719						259						(20)						—						958
Agricultural real estate and operating			1,179						(112)						—						100						1,167
Total Community Banking			8,468						250						(20)						100						8,798
Total			$	21,290					$	33,318					$	(6,523)					$	587					$	48,672

			Six Months Ended March 31, 2019
(Dollars in Thousands)			Beginning balance						Provision (recovery) for loan and lease losses						Charge-offs						Recoveries						Ending balance
Allowance for loan and lease losses:
National Lending
Term lending			$	89					$	2,364					$	(781)					$	1,449					$	3,121
Asset based lending			47						1,358						—						5						1,410
Factoring			64						3,022						(1,375)						50						1,761
Lease financing			30						1,348						(943)						498						933
Insurance premium finance			1,031						1,890						(2,085)						83						919
SBA/USDA			13						461						—						—						474
Other commercial finance			28						497						—						—						525
Commercial finance			1,302						10,940						(5,184)						2,085						9,143
Consumer credit products			785						529						—						—						1,314
Other consumer finance			2,820						6,359						(4,079)						30						5,130
Consumer finance			3,605						6,888						(4,079)						30						6,444
Tax services			—						23,969						(43)						176						24,102
Warehouse finance			65						461,000						—						—						185
Total National Lending			4,972						41,917						(9,306)						2,291						39,874
Community Banking
Commercial real estate and operating			6,220						453						—						—						6,673
Consumer one-to-four family real estate and other			632						346						(20)						—						958
Agricultural real estate and operating			1,216						(299)						—						250						1,167
Total Community Banking			8,068						500						(20)						250						8,798
Total			$	13,040					$	42,417					$	(9,326)					$	2,541					$	48,672

The following tables provide details regarding the allowance for loan and lease losses and balance by type of allowance:

			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
As of March 31, 2020			(Dollars in Thousands)
National Lending
Term lending			$	1,883					$	9,764					$	11,647					$	27,538					$	698,043					$	725,581
Asset based lending			—						2,826						2,826						—						250,211						250,211
Factoring			561						3,883						4,444						5,989						279,506						285,495
Lease financing			395						2,288						2,683						2,072						236,716						238,788
Insurance premium finance			—						2,142						2,142						—						332,800						332,800
SBA/USDA			1,164						394						1,558						3,553						88,447						92,000
Other commercial finance			—						552						552						—						101,472						101,472
Commercial finance			4,003						21,849						25,852						39,152						1,987,195						2,026,347
Consumer credit products			—						1,082						1,082						—						113,544						113,544
Other consumer finance			—						3,414						3,414						1,910						142,985						144,895
Consumer finance			—						4,496						4,496						1,910						256,529						258,439
Tax services			—						21,320						21,320						—						95,936						95,936
Warehouse finance			—						334						334						—						333,829						333,829
Total National Lending			4,003						47,999						52,002						41,062						2,673,489						2,714,551
Community Banking
Commercial real estate and operating			55						10,014						10,069						399						654,030						654,429
Consumer one-to-four family real estate and other			—						2,350						2,350						108						204,938						205,046
Agricultural real estate and operating			—						934						934						2,437						34,322						36,759
Total Community Banking			55						13,298						13,353						2,944						893,290						896,234
Total			$	4,058					$	61,297					$	65,355					$	44,006					$	3,566,779					$	3,610,785

			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
As of September 30, 2019			(Dollars in Thousands)
National Lending
Term lending			$	450					$	5,083					$	5,533					$	19,568					$	622,174					$	641,742
Asset based lending			—						2,437						2,437						378						250,087						250,465
Factoring			1,262						1,999						3,261						3,824						292,683						296,507
Lease financing			112						1,163						1,275						1,213						176,702						177,915
Insurance premium finance			—						1,024						1,024						—						361,105						361,105
SBA/USDA			51						332						383						3,841						84,990						88,831
Other commercial finance			—						683						683						—						99,665						99,665
Commercial finance			1,875						12,721						14,596						28,824						1,887,406						1,916,230
Consumer credit products			—						1,044						1,044						—						106,794						106,794
Other consumer finance			—						5,118						5,118						1,472						159,932						161,404
Consumer finance			—						6,162						6,162						1,472						266,726						268,198
Tax services			—						—						—						—						2,240						2,240
Warehouse finance			—						263						263						—						262,924						262,924
Total National Lending			1,875						19,146						21,021						30,296						2,419,296						2,449,592
Community Banking
Commercial real estate and operating			—						6,208						6,208						258						883,674						883,932
Consumer one-to-four family real estate and other			—						1,053						1,053						100						259,325						259,425
Agricultural real estate and operating			—						867						867						2,985						55,479						58,464
Total Community Banking			—						8,128						8,128						3,343						1,198,478						1,201,821
Total			$	1,875					$	27,274					$	29,149					$	33,639					$	3,617,774					$	3,651,413

Asset Classification by Credit Quality Indicators of Loans and Leases

The asset classifications of loans and leases were as follows:

Asset Classification			Pass						Watch						Special Mention						Substandard						Doubtful						Total
As of March 31, 2020			(Dollars in Thousands)
National Lending
Term lending			$	656,943					$	39,678					$	1,422					$	27,538					$	—					$	725,581
Asset based lending			153,887						82,771						13,553						—						—						250,211
Factoring			233,244						40,333						5,929						5,989						—						285,495
Lease financing			231,025						4,809						883						1,762						309						238,788
Insurance premium finance			329,595						1,608						681						716						200						332,800
SBA/USDA			79,756						1,874						6,816						3,554						—						92,000
Other commercial finance			100,699						773						—						—						—						101,472
Commercial finance			1,785,149						171,846						29,284						39,559						509						2,026,347
Warehouse finance			333,829						—						—						—						—						333,829
Total National Lending			2,118,978						171,846						29,284						39,559						509						2,360,176
Community Banking
Commercial real estate and operating			645,407						698						4,172						4,152						—						654,429
Consumer one-to-four family real estate and other			203,814						313						725						194						—						205,046
Agricultural real estate and operating			24,677						—						2,816						9,266						—						36,759
Total Community Banking			873,898						1,011						7,713						13,612						—						896,234
Total loans and leases			$	2,992,876					$	172,857					$	36,997					$	53,171					$	509					$	3,256,410

Asset Classification			Pass						Watch						Special Mention						Substandard						Doubtful						Total
As of September 30, 2019			(Dollars in Thousands)
National Lending
Term lending			$	585,382					$	—					$	36,792					$	19,024					$	544					$	641,742
Asset based lending			192,427						—						57,660						378						—						250,465
Factoring			256,048						—						36,635						3,824						—						296,507
Lease financing			171,785						—						4,917						1,213						—						177,915
Insurance premium finance			361,105						—						—						—						—						361,105
SBA/USDA			76,609						—						8,381						3,841						—						88,831
Other commercial finance			99,057						—						608						—						—						99,665
Commercial finance			1,742,413						—						144,993						28,280						544						1,916,230
Warehouse finance			262,924						—						—						—						—						262,924
Total National Lending			2,005,337						—						144,993						28,280						544						2,179,154
Community Banking
Commercial real estate and operating			875,933						1,494						2,884						3,621						—						883,932
Consumer one-to-four family real estate and other			257,575						946						708						196						—						259,425
Agricultural real estate and operating			39,409						4,631						5,876						8,548						—						58,464
Total Community Banking			1,172,917						7,071						9,468						12,365						—						1,201,821
Total loans and leases			$	3,178,254					$	7,071					$	154,461					$	40,645					$	544					$	3,380,975

Past Due Loans and Leases

Past due loans and leases were as follows:

			Accruing and Nonaccruing Loans and Leases																																																																		Nonperforming Loans and Leases
(Dollars in Thousands)			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
As of March 31, 2020
Loans held for sale			$	—					$	—					$	—					$	—					$	13,610					$	13,610					$	—					$	—					$	—
National Lending
Term lending			21,532						3,301						12,723						37,556						688,025						725,581						4,068						12,280						16,348
Asset based lending			—						—						—						—						250,211						250,211						—						—						—
Factoring			—						—						—						—						285,495						285,495						—						466						466
Lease financing			10,979						827						2,038						13,844						224,944						238,788						1,344						693						2,037
Insurance premium finance			3,299						657						3,109						7,065						325,735						332,800						3,109						—						3,109
SBA/USDA			—						2,702						851						3,553						88,447						92,000						851						2,585						3,436
Other commercial finance			—						—						—						—						101,472						101,472						—						—						—
Commercial finance			35,810						7,487						18,721						62,018						1,964,329						2,026,347						9,372						16,024						25,396
Consumer credit products			1,117						521						440						2,078						111,466						113,544						440						—						440
Other consumer finance			664						557						905						2,126						142,769						144,895						905						—						905
Consumer finance			1,781						1,078						1,345						4,204						254,235						258,439						1,345						—						1,345
Tax services			668						—						—						668						95,268						95,936						—						—						—
Warehouse finance			—						—						—						—						333,829						333,829						—						—						—
Total National Lending			38,259						8,565						20,066						66,890						2,647,661						2,714,551						10,717						16,024						26,741
Community Banking
Commercial real estate and operating			561						—						259						820						653,609						654,429						259						—						259
Consumer one-to-four family real estate and other			144						—						49						193						204,853						205,046						—						49						49
Agricultural real estate and operating			307						2,735						4,415						7,457						29,302						36,759						2,646						1,769						4,415
Total Community Banking			1,012						2,735						4,723						8,470						887,764						896,234						2,905						1,818						4,723
Total loans and leases held for investment			39,271						11,300						24,789						75,360						3,535,425						3,610,785						13,622						17,842						31,464
Total loans and leases			$	39,271					$	11,300					$	24,789					$	75,360					$	3,549,035					$	3,624,395					$	13,622					$	17,842					$	31,464

			Accruing and Nonaccruing Loans and Leases																																																																		Nonperforming Loans and Leases
(Dollars in Thousands)			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
As of September 30, 2019
Loans held for sale			$	1,122					$	755					$	964					$	2,841					$	145,936					$	148,777					$	964					$	—					$	964
National Lending
Term lending			2,162						910						14,098						17,170						624,572						641,742						2,241						12,146						14,387
Asset based lending			—						—						—						—						250,465						250,465						—						—						—
Factoring			—						—						—						—						296,507						296,507						—						1,669						1,669
Lease financing			1,160						1,134						1,736						4,030						173,885						177,915						1,530						308						1,838
Insurance premium finance			1,999						2,881						3,807						8,687						352,418						361,105						3,807						—						3,807
SBA/USDA			83						—						255						338						88,493						88,831						—						255						255
Other commercial finance			—						—						—						—						99,665						99,665						—						—						—
Commercial finance			5,404						4,925						19,896						30,225						1,886,005						1,916,230						7,578						14,378						21,956
Consumer credit products			627						557						239						1,423						105,371						106,794						239						—						239
Other consumer finance			932						1,005						1,078						3,015						158,389						161,404						1,078						—						1,078
Consumer finance			1,559						1,562						1,317						4,438						263,760						268,198						1,317						—						1,317
Tax services			—						—						2,240						2,240						—						2,240						2,240						—						2,240
Warehouse finance			—						—						—						—						262,924						262,924						—						—						—
Total National Lending			6,963						6,487						23,453						36,903						2,412,689						2,449,592						11,135						14,378						25,513
Community Banking
Commercial real estate and operating			565						—						—						565						883,367						883,932						—						—						—
Consumer one-to-four family real estate and other			458						—						9						467						258,958						259,425						—						44						44
Agricultural real estate and operating			49						—						—						49						58,415						58,464						—						—						—
Total Community Banking			1,072						—						9						1,081						1,200,740						1,201,821						—						44						44
Total loans and leases held for investment			8,035						6,487						23,462						37,984						3,613,429						3,651,413						11,135						14,422						25,557
Total loans and leases			$	9,157					$	7,242					$	24,426					$	40,825					$	3,759,365					$	3,800,190					$	12,099					$	14,422					$	26,521

Impaired Loans and Leases

Impaired loans and leases were as follows:

As of March 31, 2020			Recorded Balance						Unpaid Principal Balance						Specific Allowance
Loans and leases without a specific valuation allowance			(Dollars in Thousands)
National Lending
Term lending			$	15,074					$	17,849					$	—
Factoring			5,332						6,407						—
Lease financing			1,254						1,254						—
Commercial finance			21,660						25,510						—
Other consumer finance			1,910						1,995						—
Consumer finance			1,910						1,995						—
Total National Lending			23,570						27,505						—
Community Banking
Commercial real estate and operating			259						259						—
Consumer one-to-four family real estate and other			108						108						—
Agricultural real estate and operating			2,437						2,437						—
Total Community Banking			2,804						2,804						—
Total			$	26,374					$	30,309					$	—
Loans and leases with a specific valuation allowance
National Lending
Term lending			$	12,464					$	12,476					$	1,883
Factoring			657						657						561
Lease financing			818						818						395
SBA/USDA			3,553						3,553						1,164
Commercial finance			17,492						17,504						4,003
Total National Lending			17,492						17,504						4,003
Community Banking
Commercial real estate and operating			140						140						55
Total Community Banking Loans			140						140						55
Total			$	17,632					$	17,644					$	4,058

As of September 30, 2019			Recorded Balance						Unpaid Principal Balance						Specific Allowance
Loans and leases without a specific valuation allowance			(Dollars in Thousands)
National Lending
Term lending			$	12,644					$	13,944					$	—
Asset based lending			378						378						—
Factoring			1,563						2,638						—
Lease financing			1,062						1,062						—
SBA/USDA			2,595						2,595						—
Commercial finance			18,242						20,617						—
Other consumer finance			1,472						1,539						—
Consumer finance			1,472						1,539						—
Total National Lending			19,714						22,156						—
Community Banking
Commercial real estate and operating			258						258						—
Consumer one-to-four family real estate and other			100						100						—
Agricultural real estate and operating			2,985						2,985						—
Total Community Banking			3,343						3,343						—
Total			$	23,057					$	25,499					$	—
Loans and leases with a specific valuation allowance
National Lending
Term lending			$	6,924					$	6,951					$	450
Factoring			2,261						3,601						1,262
Lease financing			151						151						112
SBA/USDA			1,246						1,246						51
Commercial finance			10,582						11,949						1,875
Total National Lending			10,582						11,949						1,875
Total			$	10,582					$	11,949					$	1,875

The following table provides the average recorded investment in impaired loans and leases for the three and six months ended:

			Three Months Ended March 31,
			2020																		2019
(Dollars in Thousands)			Average Recorded Investment						Recognized Interest Income						Average Recorded Investment						Recognized Interest Income
National Lending
Term lending			$	26,454					$	46					$	4,388					$	95
Asset based lending			350						—						1,022						—
Factoring			4,596						—						3,131						—
Lease financing			2,154						12						2,259						7
SBA/USDA			3,640						—						—						—
Commercial finance			37,194						58						10,800						102
Other consumer finance			1,775						39						1,232						10
Consumer finance			1,775						39						1,232						10
Total National Lending			38,970						97						12,032						112
Community Banking
Commercial real estate and operating			682						12						268						—
Consumer one-to-four family real estate and other			82						1						137						—
Agricultural real estate and operating			2,674						(186)						1,414						10
Total Community Banking			3,438						(173)						1,819						10
Total loans and leases			$	42,408					$	(76)					$	13,851					$	122

			Six Months Ended March 31,
			2020																		2019
(Dollars in Thousands)			Average Recorded Investment						Recognized Interest Income						Average Recorded Investment						Recognized Interest Income
National Lending
Term lending			$	22,995					$	120					$	—					$	174
Asset based lending			389						—						2,648						—
Factoring			4,223						—						2,956						5
Lease financing			2,920						12						5,842						17
SBA/USDA			3,714						—						—						—
Commercial finance			34,241						132						11,446						196
Other consumer finance			1,663						73						1,227						10
Consumer finance			1,663						73						1,227						10
Total National Lending			35,904						205						12,673						206
Community Banking
Commercial real estate and operating			564						25						336						4
Consumer one-to-four family real estate and other			85						9						138						2
Agricultural real estate and operating			2,798						(144)						1,443						35
Total Community Banking			3,447						(110)						1,917						41
Total loans and leases			$	39,351					$	95					$	14,590					$	247

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