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v3.23.2

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, 2023 | Jun. 30, 2022 | Jun. 30, 2023 | Jun. 30, 2022
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance |  |  | $ 45,947 |
Provision (Reversal) | $ 1,773 | $ (1,302) | 48,312 | $ 31,186
Ending Balance | 81,916 |  | 81,916 |
Total Committed Loans |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 84,304 | 88,552 | 45,947 | 68,281
Provision (Reversal) | 1,830 | (1,148) | 48,379 | 31,479
Charge-offs | (6,001) | (14,344) | (17,065) | (31,618)
Recoveries | 1,783 | 2,146 | 4,655 | 7,064
Ending Balance | 81,916 | 75,206 | 81,916 | 75,206
Unfunded commitments |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 356 | 551 | 366 | 690
Provision (Reversal) | (57) | (154) | (67) | (293)
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Ending Balance | 299 | 397 | 299 | 397
Total Loans |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 84,660 | 89,103 | 46,312 | 68,971
Provision (Reversal) | 1,773 | (1,302) | 48,312 | 31,186
Charge-offs | (6,001) | (14,344) | (17,065) | (31,618)
Recoveries | 1,783 | 2,146 | 4,655 | 7,064
Ending Balance | 82,215 | 75,603 | 82,215 | 75,603
National Lending | Term lending |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 28,415 | 27,568 | 24,621 | 29,351
Provision (Reversal) | 250 | 9 | 7,895 | 1,104
Charge-offs | (2,852) | (3,086) | (7,374) | (6,993)
Recoveries | 825 | 1,316 | 1,496 | 2,345
Ending Balance | 26,638 | 25,807 | 26,638 | 25,807
National Lending | Asset based lending |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 1,081 | 2,583 | 1,050 | 1,726
Provision (Reversal) | 68 | (1,553) | 2,972 | (817)
Charge-offs | 0 | 0 | (2,873) | (16)
Recoveries | 154 | 295 | 154 | 432
Ending Balance | 1,303 | 1,325 | 1,303 | 1,325
National Lending | Factoring |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 5,588 | 6,526 | 6,556 | 3,997
Provision (Reversal) | 493 | 533 | (311) | 13,857
Charge-offs | (140) | (194) | (323) | (11,057)
Recoveries | 1 | 268 | 20 | 336
Ending Balance | 5,942 | 7,133 | 5,942 | 7,133
National Lending | Lease financing |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 4,549 | 6,471 | 5,902 | 7,629
Provision (Reversal) | (355) | (429) | (976) | (1,647)
Charge-offs | (302) | 0 | (1,315) | (112)
Recoveries |  | 107 | 255 | 279
Ending Balance | 3,866 | 6,149 | 3,866 | 6,149
National Lending | Lease financing | Revision of Prior Period, Error Correction, Adjustment |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Recoveries | (26) |  |  |
National Lending | Insurance premium finance |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 1,263 | 1,057 | 1,450 | 1,394
Provision (Reversal) | 1,094 | 583 | 1,202 | 374
Charge-offs | (443) | (230) | (852) | (514)
Recoveries | 158 | 41 | 272 | 197
Ending Balance | 2,072 | 1,451 | 2,072 | 1,451
National Lending | SBA/USDA |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 2,640 | 2,943 | 3,263 | 2,978
Provision (Reversal) | 24 | 338 | (625) | 517
Charge-offs | 0 | (408) | 0 | (624)
Recoveries | 0 | 25 | 26 | 27
Ending Balance | 2,664 | 2,898 | 2,664 | 2,898
National Lending | Other commercial finance |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 4,332 | 1,197 | 1,310 | 1,168
Provision (Reversal) | (253) | (79) | 2,769 | (50)
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Ending Balance | 4,079 | 1,118 | 4,079 | 1,118
National Lending | Commercial finance |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 47,868 | 48,345 | 44,152 | 48,243
Provision (Reversal) | 1,321 | (598) | 12,926 | 13,338
Charge-offs | (3,737) | (3,918) | (12,737) | (19,316)
Recoveries | 1,112 | 2,052 | 2,223 | 3,616
Ending Balance | 46,564 | 45,881 | 46,564 | 45,881
National Lending | Consumer credit products |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 1,219 | 1,621 | 1,400 | 1,242
Provision (Reversal) | 522 | (170) | 341 | 209
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Ending Balance | 1,741 | 1,451 | 1,741 | 1,451
National Lending | Other consumer finance |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 1,746 | 7,388 | 63 | 6,112
Provision (Reversal) | 216 | (205) | 2,232 | 2,513
Charge-offs | (1,860) | (2,428) | (2,193) | (4,049)
Recoveries | 0 | 88 | 0 | 267
Ending Balance | 102 | 4,843 | 102 | 4,843
National Lending | Consumer finance |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 2,965 | 9,009 | 1,463 | 7,354
Provision (Reversal) | 738 | (375) | 2,573 | 2,722
Charge-offs | (1,860) | (2,428) | (2,193) | (4,049)
Recoveries | 0 | 88 | 0 | 267
Ending Balance | 1,843 | 6,294 | 1,843 | 6,294
National Lending | Tax services |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 33,094 | 30,757 | 5 | 2
Provision (Reversal) | (229) | (166) | 32,830 | 28,093
Charge-offs | (404) | (7,998) | (2,135) | (8,253)
Recoveries | 671 | 6 | 2,432 | 2,757
Ending Balance | 33,132 | 22,599 | 33,132 | 22,599
National Lending | Warehouse finance |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance | 377 | 441 | 327 | 420
Provision (Reversal) | 0 | (9) | 50 | 12
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Ending Balance | $ 377 | 432 | $ 377 | 432
Community Banking |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |
Beginning Balance |  |  |  | 12,262
Provision (Reversal) |  |  |  | (12,686)
Charge-offs |  |  |  | 0
Recoveries |  |  |  | 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 -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479344/326-20-45-1 + 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 -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13 + Details
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