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v3.23.1

LOANS AND LEASES, NET - Allowance for Loan Losses and Recorded Investment in Loans (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended
--- | --- | ---
Mar. 31, 2023 | Mar. 31, 2022 | Mar. 31, 2023 | Mar. 31, 2022
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance |  |  | $ 45,947 |
Provision (Reversal) | $ 36,763 | $ 32,302 | 46,539 | $ 32,488
Ending Balance | 84,304 |  | 84,304 |
Total Committed Loans |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 52,592 | 67,623 | 45,947 | 68,281
Provision (Reversal) | 36,686 | 32,156 | 46,549 | 32,627
Charge-offs | (6,625) | (12,415) | (11,064) | (17,274)
Recoveries | 1,651 | 1,188 | 2,872 | 4,918
Ending Balance | 84,304 | 88,552 | 84,304 | 88,552
Unfunded commitments |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 279 | 405 | 366 | 690
Provision (Reversal) | 77 | 146 | (10) | (139)
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Ending Balance | 356 | 551 | 356 | 551
Total Loans |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 52,871 | 68,028 | 46,313 | 68,971
Provision (Reversal) | 36,763 | 32,302 | 46,539 | 32,488
Charge-offs | (6,625) | (12,415) | (11,064) | (17,274)
Recoveries | 1,651 | 1,188 | 2,872 | 4,918
Ending Balance | 84,660 | 89,103 | 84,660 | 89,103
National Lending | Term lending |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 26,752 | 26,722 | 24,621 | 29,351
Provision (Reversal) | 3,974 | 1,954 | 7,645 | 1,095
Charge-offs | (2,705) | (1,822) | (4,522) | (3,906)
Recoveries | 394 | 714 | 671 | 1,028
Ending Balance | 28,415 | 27,568 | 28,415 | 27,568
National Lending | Asset based lending |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 3,903 | 2,758 | 1,050 | 1,726
Provision (Reversal) | 51 | (175) | 2,904 | 736
Charge-offs | (2,873) | 0 | (2,873) | (16)
Recoveries | 0 | 0 | 0 | 137
Ending Balance | 1,081 | 2,583 | 1,081 | 2,583
National Lending | Factoring |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 5,674 | 15,242 | 6,556 | 3,997
Provision (Reversal) | (40) | 823 | (804) | 13,324
Charge-offs | (62) | (9,590) | (183) | (10,864)
Recoveries | 16 | 51 | 19 | 69
Ending Balance | 5,588 | 6,526 | 5,588 | 6,526
National Lending | Lease financing |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 5,238 | 6,857 | 5,902 | 7,629
Provision (Reversal) | (183) | (395) | (621) | (1,217)
Charge-offs | (607) | (95) | (1,013) | (112)
Recoveries | 101 | 104 | 281 | 171
Ending Balance | 4,549 | 6,471 | 4,549 | 6,471
National Lending | Insurance premium finance |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 1,261 | 1,044 | 1,450 | 1,394
Provision (Reversal) | 155 | 59 | 108 | (211)
Charge-offs | (224) | (106) | (409) | (283)
Recoveries | 71 | 60 | 114 | 157
Ending Balance | 1,263 | 1,057 | 1,263 | 1,057
National Lending | SBA/USDA |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 2,632 | 2,996 | 3,263 | 2,978
Provision (Reversal) | 2 | (53) | (649) | 180
Charge-offs | 0 | 0 | 0 | (217)
Recoveries | 6 | 0 | 26 | 2
Ending Balance | 2,640 | 2,943 | 2,640 | 2,943
National Lending | Other commercial finance |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 3,356 | 1,349 | 1,310 | 1,168
Provision (Reversal) | 976 | (152) | 3,022 | 29
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Ending Balance | 4,332 | 1,197 | 4,332 | 1,197
National Lending | Commercial finance |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 48,816 | 56,968 | 44,152 | 48,243
Provision (Reversal) | 4,935 | 2,061 | 11,605 | 13,936
Charge-offs | (6,471) | (11,613) | (9,000) | (15,398)
Recoveries | 588 | 929 | 1,111 | 1,564
Ending Balance | 47,868 | 48,345 | 47,868 | 48,345
National Lending | Consumer credit products |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 1,263 | 1,627 | 1,400 | 1,242
Provision (Reversal) | (44) | (6) | (181) | 379
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Ending Balance | 1,219 | 1,621 | 1,219 | 1,621
National Lending | Other consumer finance |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 1,624 | 6,960 | 63 | 6,112
Provision (Reversal) | 276 | 1,157 | 2,016 | 2,718
Charge-offs | (154) | (802) | (333) | (1,622)
Recoveries | 0 | 73 | 0 | 180
Ending Balance | 1,746 | 7,388 | 1,746 | 7,388
National Lending | Consumer finance |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 2,887 | 8,587 | 1,463 | 7,354
Provision (Reversal) | 232 | 1,151 | 1,835 | 3,097
Charge-offs | (154) | (802) | (333) | (1,622)
Recoveries | 0 | 73 | 0 | 180
Ending Balance | 2,965 | 9,009 | 2,965 | 9,009
National Lending | Tax services |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 609 | 1,601 | 5 | 2
Provision (Reversal) | 31,422 | 28,972 | 33,059 | 28,259
Charge-offs | 0 | 0 | (1,731) | (254)
Recoveries | 1,063 | 184 | 1,761 | 2,750
Ending Balance | 33,094 | 30,757 | 33,094 | 30,757
National Lending | Warehouse finance |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 280 | 467 | 327 | 420
Provision (Reversal) | 97 | (26) | 50 | 21
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Ending Balance | $ 377 | 441 | $ 377 | 441
Community Banking |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance |  | 0 |  | 12,262
Provision (Reversal) |  | (2) |  | (12,686)
Charge-offs |  | 0 |  | 0
Recoveries |  | 2 |  | 424
Ending Balance |  | $ 0 |  | $ 0

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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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- Definition Amount, excluding accrued interest, of increase in allowance for credit loss on financing receivable from recovery. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -Subparagraph (e) -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919249-210447 + Details
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