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SEGMENT REPORTING
 9 Months Ended
Jun. 30, 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 Payments and Tax Services divisions, as well as the Consumer Credit Products business line, are reported in the Consumer segment. The commercial finance, insurance premium finance and ClearBalance 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 June 30,20222021202220212022202120222021
Net interest income$23,213 $23,132 $46,802 $44,850 $2,136 $493 $72,151 $68,475 
Provision for credit losses(279)4,507 (752)870 (271)(765)(1,302)4,612 
Noninterest income36,226 43,229 15,860 17,988 1,908 1,236 53,994 62,453 
Noninterest expense23,960 20,561 31,336 28,605 41,354 32,358 96,650 81,523 
Income (loss) before income tax expense35,758 41,294 32,078 33,363 (37,039)(29,864)30,797 44,793 
Total assets373,019 319,911 3,457,004 3,104,083 2,898,155 3,627,818 6,728,178 7,051,812 
Total goodwill87,145 87,145 222,360 222,360 — — 309,505 309,505 
Total deposits5,573,768 5,713,309 11,177 10,829 125,854 164,733 5,710,799 5,888,871 
Nine Months Ended June 30,
Net interest income$79,323 $70,205 $136,923 $129,461 $11,318 $8,658 $227,564 $208,324 
Provision (reversal of) for credit losses30,667 34,893 13,045 9,540 (12,526)(3,442)31,186 40,991 
Noninterest income158,696 166,605 50,354 47,094 41,301 7,662 250,351 221,361 
Noninterest expense73,509 68,906 95,845 83,606 112,892 97,555 282,246 250,068 
Income (loss) before income tax expense133,843 133,010 78,387 83,409 (47,747)(77,793)164,483 138,626 
Total assets373,019 319,911 3,457,004 3,104,083 2,898,155 3,627,818 6,728,178 7,051,812 
Total goodwill87,145 87,145 222,360 222,360 — — 309,505 309,505 
Total deposits5,573,768 5,713,309 11,177 10,829 125,854 164,733 5,710,799 5,888,871