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v3.22.2

LOANS AND LEASES, NET - Allowance for Loan Losses and Recorded Investment in Loans (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended
--- | --- | ---
Jun. 30, 2022 | Jun. 30, 2021 | Jun. 30, 2022 | Jun. 30, 2021
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance |  |  | $ 68,281 |
Provision (Reversal) | $ (1,302) | $ 4,612 | 31,186 | $ 40,991
Ending Balance | 75,206 |  | 75,206 |
Total Committed Loans |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 88,552 | 98,892 | 68,281 | 56,188
Provision (Reversal) | (1,148) | 4,650 | 31,479 | 41,113
Charge-offs | (14,344) | (14,865) | (31,618) | (24,788)
Recoveries | 2,146 | 2,531 | 7,064 | 5,922
Ending Balance | 75,206 | 91,208 | 75,206 | 91,208
Total Committed Loans | Adjustment |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance |  |  |  | 12,773
Unfunded commitments |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 551 | 779 | 690 | 32
Provision (Reversal) | (154) | (38) | (293) | (122)
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Ending Balance | 397 | 741 | 397 | 741
Unfunded commitments | Adjustment |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance |  |  |  | 831
Total Loans |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 89,103 | 99,671 | 68,971 | 56,220
Provision (Reversal) | (1,302) | 4,612 | 31,186 | 40,991
Charge-offs | (14,344) | (14,865) | (31,618) | (24,788)
Recoveries | 2,146 | 2,531 | 7,064 | 5,922
Ending Balance | 75,603 | 91,949 | 75,603 | 91,949
Total Loans | Adjustment |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance |  |  |  | 13,604
National Lending | Term lending |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 27,568 | 27,315 | 29,351 | 15,211
Provision (Reversal) | 9 | 1,199 | 1,104 | 8,621
Charge-offs | (3,086) | (1,998) | (6,993) | (7,787)
Recoveries | 1,316 | 515 | 2,345 | 987
Ending Balance | 25,807 | 27,031 | 25,807 | 27,031
National Lending | Term lending | Adjustment |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance |  |  |  | 9,999
National Lending | Asset based lending |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 2,583 | 1,749 | 1,726 | 1,406
Provision (Reversal) | (1,553) | 21 | (817) | 1,399
Charge-offs | 0 | 0 | (16) | (1,199)
Recoveries | 295 | 212 | 432 | 212
Ending Balance | 1,325 | 1,982 | 1,325 | 1,982
National Lending | Asset based lending | Adjustment |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance |  |  |  | 164
National Lending | Factoring |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 6,526 | 3,210 | 3,997 | 3,027
Provision (Reversal) | 533 | 33 | 13,857 | (1,928)
Charge-offs | (194) | 1 | (11,057) | 0
Recoveries | 268 | 17 | 336 | 1,175
Ending Balance | 7,133 | 3,261 | 7,133 | 3,261
National Lending | Factoring | Adjustment |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance |  |  |  | 987
National Lending | Lease financing |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 6,471 | 6,863 | 7,629 | 7,023
Provision (Reversal) | (429) | 842 | (1,647) | 2,375
Charge-offs | 0 | (916) | (112) | (2,264)
Recoveries | 107 | 130 | 279 | 341
Ending Balance | 6,149 | 6,919 | 6,149 | 6,919
National Lending | Lease financing | Adjustment |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance |  |  |  | (556)
National Lending | Insurance premium finance |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 1,057 | 1,326 | 1,394 | 2,129
Provision (Reversal) | 583 | (1,200) | 374 | (609)
Charge-offs | (230) | (120) | (514) | (925)
Recoveries | 41 | 1,583 | 197 | 1,959
Ending Balance | 1,451 | 1,589 | 1,451 | 1,589
National Lending | Insurance premium finance | Adjustment |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance |  |  |  | (965)
National Lending | SBA/USDA |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 2,943 | 3,300 | 2,978 | 940
Provision (Reversal) | 338 | (171) | 517 | (532)
Charge-offs | (408) | 0 | (624) | 0
Recoveries | 25 | 0 | 27 | 1
Ending Balance | 2,898 | 3,129 | 2,898 | 3,129
National Lending | SBA/USDA | Adjustment |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance |  |  |  | 2,720
National Lending | Other commercial finance |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 1,197 | 541 | 1,168 | 182
Provision (Reversal) | (79) | 183 | (50) | 178
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Ending Balance | 1,118 | 724 | 1,118 | 724
National Lending | Other commercial finance | Adjustment |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance |  |  |  | 364
National Lending | Commercial finance |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 48,345 | 44,304 | 48,243 | 29,918
Provision (Reversal) | (598) | 907 | 13,338 | 9,504
Charge-offs | (3,918) | (3,033) | (19,316) | (12,175)
Recoveries | 2,052 | 2,457 | 3,616 | 4,675
Ending Balance | 45,881 | 44,635 | 45,881 | 44,635
National Lending | Commercial finance | Adjustment |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance |  |  |  | 12,713
National Lending | Consumer credit products |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 1,621 | 990 | 1,242 | 845
Provision (Reversal) | (170) | 21 | 209 | 166
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Ending Balance | 1,451 | 1,011 | 1,451 | 1,011
National Lending | Consumer credit products | Adjustment |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance |  |  |  | 0
National Lending | Other consumer finance |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 7,388 | 10,093 | 6,112 | 2,821
Provision (Reversal) | (205) | (180) | 2,513 | 1,568
Charge-offs | (2,428) | (2,327) | (4,049) | (2,964)
Recoveries | 88 | 57 | 267 | 220
Ending Balance | 4,843 | 7,643 | 4,843 | 7,643
National Lending | Other consumer finance | Adjustment |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance |  |  |  | 5,998
National Lending | Consumer finance |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 9,009 | 11,083 | 7,354 | 3,666
Provision (Reversal) | (375) | (159) | 2,722 | 1,734
Charge-offs | (2,428) | (2,327) | (4,049) | (2,964)
Recoveries | 88 | 57 | 267 | 220
Ending Balance | 6,294 | 8,654 | 6,294 | 8,654
National Lending | Consumer finance | Adjustment |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance |  |  |  | 5,998
National Lending | Tax services |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 30,757 | 29,146 | 2 | 2
Provision (Reversal) | (166) | 4,685 | 28,093 | 32,819
Charge-offs | (7,998) | (9,505) | (8,253) | (9,505)
Recoveries | 6 | 17 | 2,757 | 1,027
Ending Balance | 22,599 | 24,343 | 22,599 | 24,343
National Lending | Tax services | Adjustment |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance |  |  |  | 0
National Lending | Warehouse finance |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 441 | 332 | 420 | 294
Provision (Reversal) | (9) | 0 | 12 | 39
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Ending Balance | 432 | 332 | 432 | 332
National Lending | Warehouse finance | Adjustment |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance |  |  |  | (1)
Community Banking |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance |  | 14,027 |  |
Provision (Reversal) |  | (783) |  |
Charge-offs |  | 0 |  |
Recoveries |  | 0 |  |
Ending Balance |  | 13,244 |  | 13,244
Community banking |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance |  |  | 12,262 | 22,308
Provision (Reversal) |  |  | (12,686) | (2,983)
Charge-offs |  |  | 0 | (144)
Recoveries |  |  | 424 | 0
Ending Balance | $ 0 | $ 13,244 | $ 0 | 13,244
Community banking | Adjustment |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance |  |  |  | $ (5,937)

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- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 45 -Paragraph 1 -URI https://asc.fasb.org/extlink&oid=124255206&loc=SL82895884-210446 + Details
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