XML 56 R45.htm IDEA: XBRL DOCUMENT 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)