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LOANS AND LEASES, NET (Tables)

9 Months Ended

Jun. 30, 2020

Loans and Leases Receivable Disclosure [Abstract]

Schedule of Loans Receivable

Loans and leases consist of the following:

(Dollars in Thousands)			June 30, 2020						September 30, 2019
National Lending
Term lending(1)			$	738,454					$	641,742
Asset based lending(1)			181,130						250,465
Factoring			206,361						296,507
Lease financing(1)			264,988						177,915
Insurance premium finance			359,147						361,105
SBA/USDA			308,611						88,831
Other commercial finance			100,214						99,665
Commercial finance			2,158,905						1,916,230
Consumer credit products			102,808						106,794
Other consumer finance			138,777						161,404
Consumer finance			241,585						268,198
Tax services			19,168						2,240
Warehouse finance			277,614						262,924
Total National Lending			2,697,272						2,449,592
Community Banking
Commercial real estate and operating			608,303						883,932
Consumer one-to-four family real estate and other			166,479						259,425
Agricultural real estate and operating			24,655						58,464
Total Community Banking			799,437						1,201,821
Total loans and leases			3,496,709						3,651,413
Net deferred loan origination fees (costs)			5,937						7,434
Total gross loans and leases			3,502,646						3,658,847
Allowance for loan and lease losses			(65,747)						(29,149)
Total loans and leases, net(2)			$	3,436,899					$	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 June 30, 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 $188.3 million and the remaining balances of the credit and interest rate mark discounts related to the acquired loans and leases held for investment were $3.4 million and $2.9 million, respectively. 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 nine months ended were as follows:

			Three Months Ended June 30,																		Nine Months Ended June 30,
(Dollars in Thousands)			2020						2019						2020						2019
Loans Purchased
Loans held for sale:
Total National Lending			$	—					$	6,703					$	—					$	12,643
Loans held for investment:
Total National Lending			—						72,737						103,888						198,328
Total Community Banking			2,728						2,710						16,518						21,223
Total purchases			$	2,728					$	82,150					$	120,406					$	232,194
Loans Sold
Loans held for sale:
Total National Lending			$	8,524					$	57,661					$	168,814					$	92,565
Total Community Banking			—						—						271,681						—
Loans held for investment:
Total Community Banking			—						2,212						3,099						13,069
Total sales			$	8,524					$	59,873					$	443,594					$	105,634

Sales-type Lease, Lease Income

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

(Dollars in Thousands)			June 30, 2020						September 30, 2019
Carrying Amount			$	283,003					$	191,733
Unguaranteed residual assets			16,662						13,353
Unamortized initial direct costs			1,967						1,790
Unearned income			(34,677)						(27,171)
Total net investment in direct financing and sales-type leases			$	266,955					$	179,705

Operating Lease, Lease Income

The components of total lease income were as follows:

			June 30, 2020
(Dollars in Thousands)			Three Months Ended						Nine Months Ended
Interest income - loans and leases
Interest income on net investments in direct financing and sales-type leases			$	4,496					$	12,958
Leasing and equipment finance noninterest income
Lease income from operating lease payments			11,391						33,857
Profit (loss) recorded on commencement date on sales-type leases			103						590
Other(1)			554						3,135
Total leasing and equipment finance noninterest income			12,048						37,582
Total lease income			$	16,544					$	50,540

⁽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			$	25,308
2021			95,008
2022			74,899
2023			49,197
2024			29,178
Thereafter			9,413
Equipment under leases not yet commenced
Total undiscounted future minimum lease payments receivable for direct financing and sales-type leases			283,003
Third-party residual value guarantees			—
Total carrying amount of direct financing and sales-type leases			$	283,003

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 nine months ended was as follows:

			Three Months Ended June 30, 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			$	11,647					$	5,672					$	(2,831)					$	25					$	14,513
Asset based lending			2,826						(953)						(42)						—						1,831
Factoring			4,444						(1,997)						(140)						362						2,669
Lease financing			2,683						4,293						(357)						91						6,710
Insurance premium finance			2,142						596						(736)						367						2,369
SBA/USDA			1,558						716						(1,134)						—						1,140
Other commercial finance			552						(381)						—						—						171
Commercial finance			25,852						7,946						(5,240)						845						29,403
Consumer credit products			1,082						(111)						—						—						971
Other consumer finance			3,414						358						(567)						44						3,249
Consumer finance			4,496						247						(567)						44						4,220
Tax services			21,320						(100)						(9,797)						14						11,437
Warehouse finance			334						(56)						—						—						278
Total National Lending			52,002						8,037						(15,604)						903						45,338
Community Banking
Commercial real estate and operating			10,069						6,688						—						—						16,757
Consumer one-to-four family real estate and other			2,350						586						—						—						2,936
Agricultural real estate and operating			934						(218)						—						—						716
Total Community Banking			13,353						7,056						—						—						20,409
Total			$	65,355					$	15,093					$	(15,604)					$	903					$	65,747

			Nine Months Ended June 30, 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					$	14,753					$	(6,003)					$	230					$	14,513
Asset based lending			2,437						(611)						(42)						47						1,831
Factoring			3,261						(509)						(875)						792						2,669
Lease financing			1,275						5,841						(725)						319						6,710
Insurance premium finance			1,024						2,671						(1,809)						483						2,369
SBA/USDA			383						2,007						(1,250)						—						1,140
Other commercial finance			683						(512)						—						—						171
Commercial finance			14,596						23,640						(10,704)						1,871						29,403
Consumer credit products			1,044						(73)						—						—						971
Other consumer finance			5,118						(474)						(2,208)						813						3,249
Consumer finance			6,162						(547)						(2,208)						813						4,220
Tax services			—						20,407						(9,797)						827						11,437
Warehouse finance			263						15						—						—						278
Total National Lending			21,021						43,515						(22,709)						3,511						45,338
Community Banking
Commercial real estate and operating			6,208						10,549						—						—						16,757
Consumer one-to-four family real estate and other			1,053						1,883						—						—						2,936
Agricultural real estate and operating			867						(151)						—						—						716
Total Community Banking			8,128						12,281						—						—						20,409
Total			$	29,149					$	55,796					$	(22,709)					$	3,511					$	65,747

			Three Months Ended June 30, 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			$	3,121					$	2,564					$	(1,969)					$	45					$	3,761
Asset based lending			1,410						417						(37)						3						1,793
Factoring			1,761						2,747						(1,335)						31						3,204
Lease financing			933						(309)						(110)						158						672
Insurance premium finance			919						201						(275)						171						1,016
SBA/USDA			474						449						—						—						923
Other commercial finance			525						432						—						—						957
Commercial finance			9,143						6,501						(3,726)						408						12,326
Consumer credit products			1,314						142						—						—						1,456
Other consumer finance			5,130						1,890						(1,398)						28						5,650
Consumer finance			6,444						2,032						(1,398)						28						7,106
Tax services			24,102						914						(9,627)						36						15,425
Warehouse finance			185						65						—						—						250
Total National Lending			39,874						9,512						(14,751)						472						35,107
Community Banking
Commercial real estate and operating			6,673						(249)						—						—						6,424
Consumer one-to-four family real estate and other			958						(65)						—						—						893
Agricultural real estate and operating			1,167						(86)						—						—						1,081
Total Community Banking			8,798						(400)						—						—						8,398
Total			$	48,672					$	9,112					$	(14,751)					$	472					$	43,505

			Nine Months Ended June 30, 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					$	4,928					$	(2,751)					$	1,495					$	3,761
Asset based lending			47						1,775						(37)						8						1,793
Factoring			64						5,769						(2,711)						82						3,204
Lease financing			30						1,039						(1,052)						655						672
Insurance premium finance			1,031						2,091						(2,359)						253						1,016
SBA/USDA			13						910						—						—						923
Other commercial finance			28						929						—						—						957
Commercial finance			1,302						17,441						(8,910)						2,493						12,326
Consumer credit products			785						671						—						—						1,456
Other consumer finance			2,820						8,249						(5,477)						58						5,650
Consumer finance			3,605						8,920						(5,477)						58						7,106
Tax services			—						24,883						(9,670)						212						15,425
Warehouse finance			65						185						—						—						250
Total National Lending			4,972						51,429						(24,057)						2,763						35,107
Community Banking
Commercial real estate and operating			6,220						204						—						—						6,424
Consumer one-to-four family real estate and other			632						281						(20)						—						893
Agricultural real estate and operating			1,216						(385)						—						250						1,081
Total Community Banking			8,068						100						(20)						250						8,398
Total			$	13,040					$	51,529					$	(24,077)					$	3,013					$	43,505

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 June 30, 2020			(Dollars in Thousands)
National Lending
Term lending			$	3,366					$	11,147					$	14,513					$	31,467					$	706,987					$	738,454
Asset based lending			—						1,831						1,831						2,805						178,325						181,130
Factoring			189						2,480						2,669						2,165						204,196						206,361
Lease financing			1,350						5,360						6,710						4,695						260,293						264,988
Insurance premium finance			—						2,369						2,369						—						359,147						359,147
SBA/USDA			241						899						1,140						2,380						306,231						308,611
Other commercial finance			—						171						171						—						100,214						100,214
Commercial finance			5,146						24,257						29,403						43,512						2,115,393						2,158,905
Consumer credit products			—						971						971						—						102,808						102,808
Other consumer finance			—						3,249						3,249						2,177						136,600						138,777
Consumer finance			—						4,220						4,220						2,177						239,408						241,585
Tax services			—						11,437						11,437						—						19,168						19,168
Warehouse finance			—						278						278						—						277,614						277,614
Total National Lending			5,146						40,192						45,338						45,689						2,651,583						2,697,272
Community Banking
Commercial real estate and operating			141						16,616						16,757						419						607,884						608,303
Consumer one-to-four family real estate and other			—						2,936						2,936						177						166,302						166,479
Agricultural real estate and operating			—						716						716						2,437						22,218						24,655
Total Community Banking			141						20,268						20,409						3,033						796,404						799,437
Total			$	5,287					$	60,460					$	65,747					$	48,722					$	3,447,987					$	3,496,709

			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 June 30, 2020			(Dollars in Thousands)
National Lending
Term lending			$	656,198					$	42,015					$	8,774					$	28,579					$	2,888					$	738,454
Asset based lending			108,069						58,415						11,841						2,805						—						181,130
Factoring			161,075						22,255						20,865						2,166						—						206,361
Lease financing			257,540						1,875						879						4,553						141						264,988
Insurance premium finance			356,821						1,305						402						125						494						359,147
SBA/USDA			295,815						10,339						77						2,380						—						308,611
Other commercial finance			99,495						719						—						—						—						100,214
Commercial finance			1,935,013						136,923						42,838						40,608						3,523						2,158,905
Warehouse finance			277,614						—						—						—						—						277,614
Total National Lending			2,212,627						136,923						42,838						40,608						3,523						2,436,519
Community Banking
Commercial real estate and operating			599,144						698						4,019						3,862						580						608,303
Consumer one-to-four family real estate and other			165,518						42						655						264						—						166,479
Agricultural real estate and operating			11,946						—						4,909						7,800						—						24,655
Total Community Banking			776,608						740						9,583						11,926						580						799,437
Total loans and leases			$	2,989,235					$	137,663					$	52,421					$	52,534					$	4,103					$	3,235,956

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 June 30, 2020
Loans held for sale			$	—					$	—					$	—					$	—					$	79,905					$	79,905					$	—					$	—					$	—
National Lending
Term lending			7,371						6,957						16,965						31,293						707,161						738,454						2,578						16,524						19,102
Asset based lending			—						—						—						—						181,130						181,130						—						—						—
Factoring			—						—						—						—						206,361						206,361						—						733						733
Lease financing			4,623						5,669						4,583						14,875						250,113						264,988						1,907						3,518						5,425
Insurance premium finance			1,711						3,379						3,723						8,813						350,334						359,147						3,723						—						3,723
SBA/USDA			160						—						1,879						2,039						306,572						308,611						427						1,510						1,937
Other commercial finance			—						—						—						—						100,214						100,214						—						—						—
Commercial finance			13,865						16,005						27,150						57,020						2,101,885						2,158,905						8,635						22,285						30,920
Consumer credit products			506						412						337						1,255						101,553						102,808						337						—						337
Other consumer finance			144						211						572						927						137,850						138,777						572						—						572
Consumer finance			650						623						909						2,182						239,403						241,585						909						—						909
Tax services			—						19,168						—						19,168						—						19,168						—						—						—
Warehouse finance			—						—						—						—						277,614						277,614						—						—						—
Total National Lending			14,515						35,796						28,059						78,370						2,618,902						2,697,272						9,544						22,285						31,829
Community Banking
Commercial real estate and operating			2,791						580						258						3,629						604,674						608,303						258						580						838
Consumer one-to-four family real estate and other			863						—						121						984						165,495						166,479						—						121						121
Agricultural real estate and operating			1,256						45						6,506						7,807						16,848						24,655						4,737						1,769						6,506
Total Community Banking			4,910						625						6,885						12,420						787,017						799,437						4,995						2,470						7,465
Total loans and leases held for investment			19,425						36,421						34,944						90,790						3,405,919						3,496,709						14,539						24,755						39,294
Total loans and leases			$	19,425					$	36,421					$	34,944					$	90,790					$	3,485,824					$	3,576,614					$	14,539					$	24,755					$	39,294

			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 June 30, 2020			Recorded Balance						Unpaid Principal Balance						Specific Allowance
Loans and leases without a specific valuation allowance			(Dollars in Thousands)
National Lending
Term lending			$	17,442					$	20,217					$	—
Asset based lending			2,805						2,805						—
Factoring			1,282						2,357						—
Lease financing			1,474						1,482						—
SBA/USDA			870						870						—
Commercial finance			23,873						27,731						—
Other consumer finance			2,177						2,314						—
Consumer finance			2,177						2,314						—
Total National Lending			26,050						30,045						—
Community Banking
Commercial real estate and operating			259						259						—
Consumer one-to-four family real estate and other			177						177						—
Agricultural real estate and operating			2,437						2,437						—
Total Community Banking			2,873						2,873						—
Total			$	28,923					$	32,918					$	—
Loans and leases with a specific valuation allowance
National Lending
Term lending			$	14,025					$	14,037					$	3,366
Factoring			883						883						189
Lease financing			3,221						3,221						1,350
SBA/USDA			1,510						1,510						241
Commercial finance			19,639						19,651						5,146
Total National Lending			19,639						19,651						5,146
Community Banking
Commercial real estate and operating			160						160						141
Total Community Banking Loans			160						160						141
Total			$	19,799					$	19,811					$	5,287

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 nine months ended:

			Three Months Ended June 30,
			2020																		2019
(Dollars in Thousands)			Average Recorded Investment						Recognized Interest Income						Average Recorded Investment						Recognized Interest Income
National Lending
Term lending			$	28,848					$	121					$	3,906					$	88
Asset based lending			935						—						2,777						—
Factoring			4,715						—						6,621						—
Lease financing			2,946						2						3,351						—
SBA/USDA			3,162						—						425						—
Commercial finance			40,606						123						17,080						88
Other consumer finance			1,999						37						1,190						28
Consumer finance			1,999						37						1,190						28
Total National Lending			42,605						160						18,270						116
Community Banking
Commercial real estate and operating			405						1						106						5
Consumer one-to-four family real estate and other			131						—						186						1
Agricultural real estate and operating			2,437						10						1,226						28
Total Community Banking			2,973						11						1,518						34
Total loans and leases			$	45,578					$	171					$	19,788					$	150

			Nine Months Ended June 30,
			2020																		2019
(Dollars in Thousands)			Average Recorded Investment						Recognized Interest Income						Average Recorded Investment						Recognized Interest Income
National Lending
Term lending			$	24,946					$	240					$	4,667					$	262
Asset based lending			571						—						1,267						—
Factoring			4,387						—						4,178						5
Lease financing			2,929						14						3,070						17
SBA/USDA			3,530						—						142						—
Commercial finance			36,363						254						13,325						284
Other consumer finance			1,775						111						1,215						38
Consumer finance			1,775						111						1,215						38
Total National Lending			38,138						365						14,540						322
Community Banking
Commercial real estate and operating			511						27						259						9
Consumer one-to-four family real estate and other			101						9						154						3
Agricultural real estate and operating			2,677						(134)						1,371						63
Total Community Banking			3,289						(98)						1,784						75
Total loans and leases			$	41,427					$	267					$	16,324					$	397

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