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SEGMENT REPORTING
 6 Months Ended
Mar. 31, 2022
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 Payments 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 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, warehouse finance, wholesale deposits and borrowings. 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:
(Dollars in thousands)ConsumerCommercialCorporate Services/OtherTotal
Three Months Ended March 31,20222021202220212022202120222021
Net interest income$30,156 $25,085 $44,879 $42,404 $8,765 $6,361 $83,800 $73,850 
Provision for credit losses29,685 28,020 2,205 2,203 412 67 32,302 30,290 
Noninterest income94,761 98,041 15,537 13,940 (532)1,472 109,766 113,453 
Noninterest expense29,892 30,189 31,457 27,829 41,811 37,953 103,160 95,971 
Income (loss) before income tax expense65,340 64,917 26,754 26,312 (33,990)(30,187)58,104 61,042 
Total assets456,335 531,305 3,355,196 3,030,088 3,075,708 6,228,730 6,887,239 9,790,123 
Total goodwill87,145 87,145 222,360 222,360 — — 309,505 309,505 
Total deposits5,693,063 8,447,910 6,882 12,177 129,941 182,326 5,829,886 8,642,413 
Six Months Ended March 31,
Net interest income$56,427 $47,432 $89,805 $84,252 $9,181 $8,165 $155,413 $139,849 
Provision (reversal of) for credit losses30,946 30,386 13,797 8,670 (12,255)(2,677)32,488 36,379 
Noninterest income122,470 123,376 34,494 29,106 39,393 6,426 196,357 158,908 
Noninterest expense49,553 48,351 64,504 54,997 71,539 65,198 185,596 168,546 
Income (loss) before income tax expense98,398 92,071 45,998 49,691 (10,710)(47,930)133,686 93,832 
Total assets456,335 531,305 3,355,196 3,030,088 3,075,708 6,228,730 6,887,239 9,790,123 
Total goodwill87,145 87,145 222,360 222,360 — — 309,505 309,505 
Total deposits5,693,063 8,447,910 6,882 12,177 129,941 182,326 5,829,886 8,642,413