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SEGMENT REPORTING
 12 Months Ended
Sep. 30, 2021
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 Payments and Tax Services divisions, formerly reported in the Payments segment, are now included in the Consumer segment. The 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, warehouse finance, 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:
Fiscal Year Ended September 30, 2021
(Dollars in Thousands)ConsumerCommercialCorporate Services/OtherTotal
Net interest income$92,133 $173,325 $13,533 $278,991 
Provision (recovery) for credit losses35,765 19,791 (5,790)49,766 
Noninterest income195,708 61,813 13,383 270,904 
Noninterest expense90,800 114,917 137,966 343,683 
Income (loss) before income tax expense161,276 100,430 (105,260)156,446 
Total assets372,115 3,191,215 3,127,320 6,690,650 
Total goodwill87,145 222,360 — 309,505 
Total deposits5,342,192 6,625 166,154 5,514,971 

Fiscal Year Ended September 30, 2020
(Dollars in Thousands)ConsumerCommercialCorporate Services/OtherTotal
Net interest income$93,245 $150,766 $15,027 $259,038 
Provision for loan and lease losses21,807 29,296 13,673 64,776 
Noninterest income158,284 60,151 21,359 239,794 
Noninterest expense76,521 107,802 134,728 319,051 
Income (loss) before income tax expense153,201 73,819 (112,015)115,005 
Total assets294,937 2,836,149 2,960,988 6,092,074 
Total goodwill87,145 222,360 — 309,505 
Total deposits4,555,999 6,226 416,975 4,979,200 
Fiscal Year Ended September 30, 2019
(Dollars in Thousands)ConsumerCommercialCorporate Services/OtherTotal
Net interest income$69,131 $152,565 $42,511 $264,207 
Provision for loan and lease losses25,138 21,901 8,611 55,650 
Noninterest income162,212 54,224 6,109 222,545 
Noninterest expense76,931 127,033 129,196 333,160 
Income (loss) before income tax expense (benefit)129,274 57,855 (89,187)97,942 
Total assets436,985 2,432,381 3,313,524 6,182,890 
Total goodwill87,145 222,360 — 309,505 
Total deposits2,444,452 5,588 1,886,965 4,337,005