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SEGMENT REPORTING
 6 Months Ended
Mar. 31, 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.

The Company 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, as well as the Consumer Credit Products and ClearBalance business lines, are reported in the Consumer segment. The Crestmark and AFS divisions are reported in the Commercial segment. The Community Bank division, Warehouse Finance, and Student Loan lending portfolio are 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. The Company does not report indirect general and administrative expenses in the Consumer and Commercial segments. Beginning October 1, 2020, Warehouse Finance, formerly reported in the Consumer segment, is now included in the Corporate Services/Other segment. Prior periods have been reclassified to conform to the current presentation.
The Company adopted ASU 2018-02 as of October 1, 2020. The amendments in this ASU allow for a reclassification from AOCI to Retained Earnings for stranded tax effects from the Tax Cuts and Jobs Act of 2017 ("TCJA"). For the Company, these amendments are limited to any unrealized gains and losses held in Other Comprehensive Income for debt securities AFS held at the time of the TCJA enactment. The Company determined there were no stranded tax effects from the TCJA enactment and has not made any reclassification from AOCI to Retained Earnings upon adoption of this ASU.

The following tables present segment data for the Company:

Three Months Ended March 31, 2021
(Dollars in Thousands)ConsumerCommercial Corporate
Services/Other		Total
Net interest income$25,085 $42,404 $6,361 $73,850 
Provision for credit losses28,020 2,203 67 30,290 
Noninterest income98,041 13,940 1,472 113,453 
Noninterest expense30,189 27,829 37,953 95,971 
Income (loss) before income tax expense64,917 26,312 (30,187)61,042 
Total assets531,305 3,030,088 6,228,730 9,790,123 
Total goodwill87,145 222,360 — 309,505 
Total deposits8,447,910 12,177 182,326 8,642,413 

Three Months Ended March 31, 2020
(Dollars in Thousands)ConsumerCommercialCorporate
Services/Other		Total
Net interest income$16,162 $37,026 $14,549 $67,737 
Provision for loan and lease losses19,570 11,994 5,732 37,296 
Noninterest income83,208 15,523 21,782 120,513 
Noninterest expense30,450 27,361 33,918 91,729 
Income (loss) before income tax expense49,350 13,194 (3,319)59,225 
Total assets387,871 2,529,665 2,926,329 5,843,865 
Total goodwill87,145 222,360 — 309,505 
Total deposits3,078,481 9,214 874,709 3,962,404 

Six Months Ended March 31, 2021
(Dollars in Thousands)ConsumerCommercialCorporate
Services/Other		Total
Net interest income$47,432 $84,252 $8,165 $139,849 
Provision for credit losses30,386 8,670 (2,677)36,379 
Noninterest income123,376 29,106 6,426 158,908 
Noninterest expense48,351 54,997 65,198 168,546 
Income (loss) before income tax expense92,071 49,691 (47,930)93,832 
Total assets531,305 3,030,088 6,228,730 9,790,123 
Total goodwill87,145 222,360 — 309,505 
Total deposits8,447,910 12,177 182,326 8,642,413 
Six Months Ended March 31, 2020
(Dollars in Thousands)ConsumerCommercialCorporate
Services/Other		Total
Net interest income$32,719 $76,762 $22,907 $132,388 
Provision for loan and lease losses20,544 15,695 4,464 40,703 
Noninterest income107,972 30,502 19,521 157,995 
Noninterest expense47,190 54,086 66,250 167,526 
Income (loss) before income tax expense72,957 37,483 (28,286)82,154 
Total assets387,871 2,529,665 2,926,329 5,843,865 
Total goodwill87,145 222,360 — 309,505 
Total deposits3,078,481 9,214 874,709 3,962,404