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SEGMENT REPORTING
9 Months Ended
Jun. 30, 2020
Segment Reporting [Abstract]  
SEGMENT REPORTING SEGMENT REPORTING
An operating segment is generally defined as a component of a business for which discrete financial information is available and whose results are reviewed by the chief operating decision-maker. Operating segments are aggregated into reportable segments if certain criteria are met.

In the Annual Report on Form 10-K for the fiscal year ended September 30, 2019, the Company reported its results of operations through three business segments: Payments, Banking, and Corporate Services/Other. Beginning October 1, 2019, segments are now aligned with the new management operating structure implemented by the Company for fiscal year 2020. The Company accordingly has changed its basis of presentation for segments, and following such change, reports its results of operations through the following three business segments: Consumer, Commercial, and Corporate Services/Other. The Meta Payment Systems and Tax Services divisions, formerly reported in the Payments segment, are now included in the Consumer segment. The Warehouse Finance, Consumer Credit Products and ClearBalance business lines, previously reported in the Banking segment, are now included in the Consumer segment. The Crestmark and AFS divisions, formerly reported in the Banking segment, are now included in the Commercial segment. The Community Bank division and Student Loan lending portfolio, previously reported in the Banking segment, are now included in the Corporate Services/Other segment. The Corporate Services/Other segment also includes certain shared services as well as treasury related functions such as the investment portfolio, wholesale deposits and borrowings. Prior periods have been reclassified to conform to the current period presentation. The Company does not report indirect general and administrative expenses in the Consumer and Commercial segments.

The following tables present segment data for the Company for the three and nine months ended:
(Dollars in Thousands)ConsumerCommercial Corporate
Services/Other
Total
Three Months Ended June 30, 2020    
Net interest income$29,507  $36,104  $(3,474) $62,137  
Provision for loan and lease losses(267) 7,946  7,414  15,093  
Noninterest income26,254  13,920  874  41,048  
Noninterest expense15,249  26,729  29,263  71,241  
Income (loss) before income tax expense (benefit)40,779  15,349  (39,277) 16,851  
Total assets650,814  2,690,719  5,437,493  8,779,026  
Total goodwill87,145  222,360  —  309,505  
Total deposits6,767,516  9,243  813,566  7,590,325  

(Dollars in Thousands)ConsumerCommercialCorporate
Services/Other
Total
Nine Months Ended June 30, 2020    
Net interest income$69,684  $112,866  $11,975  $194,525  
Provision for loan and lease losses20,348  23,641  11,807  55,796  
Noninterest income134,227  44,422  20,395  199,044  
Noninterest expense62,567  80,815  95,386  238,768  
Income (loss) before income tax expense (benefit)120,996  52,832  (74,823) 99,005  
Total assets650,814  2,690,719  5,437,493  8,779,026  
Total goodwill87,145  222,360  —  309,505  
Total deposits6,767,516  9,243  813,566  7,590,325  
(Dollars in Thousands)ConsumerCommercialCorporate
Services/Other
Total
Three Months Ended June 30, 2019    
Net interest income$22,981  $39,688  $4,299  $66,968  
Provision for loan and lease losses1,121  6,501  1,490  9,112  
Noninterest income28,572  12,819  2,399  43,790  
Noninterest expense14,730  28,564  29,174  72,468  
Income (loss) before income tax expense (benefit)35,702  17,442  (23,966) 29,178  
Total assets663,579  2,320,589  3,116,904  6,101,072  
Total goodwill87,145  220,796  —  307,941  
Total deposits2,811,582  5,988  1,957,644  4,775,214  

(Dollars in Thousands)ConsumerCommercialCorporate
Services/Other
Total
Nine Months Ended June 30, 2019    
Net interest income$56,484  $113,604  $28,502  $198,590  
Provision for loan losses25,739  17,441  8,349  51,529  
Noninterest income141,220  40,406  4,939  186,565  
Noninterest expense62,834  95,567  98,615  257,016  
Income (loss) before income tax expense (benefit)109,131  41,002  (73,523) 76,610  
Total assets663,579  2,320,589  3,116,904  6,101,072  
Total goodwill87,145  220,796  —  307,941  
Total deposits2,811,582  5,988  1,957,644  4,775,214