XML 16 R4.htm IDEA: XBRL DOCUMENT v3.24.1.u1
Condensed Consolidated Statements of Operations - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Mar. 31, 2024
Mar. 31, 2023
Interest and dividend income:        
Loans and leases, including fees $ 102,750 $ 83,879 $ 197,713 $ 152,275
Mortgage-backed securities 9,998 10,326 20,047 20,738
Other investments 14,013 10,482 24,899 16,734
Total interest and dividend income 126,761 104,687 242,659 189,747
Interest expense:        
Deposits 6,685 2,096 10,211 2,238
FHLB advances and other borrowings 1,775 1,186 4,111 2,047
Total interest expense 8,460 3,282 14,322 4,285
Net interest income 118,301 101,405 228,337 185,462
Provision for credit loss 26,052 36,763 35,942 46,539
Net interest income after provision for credit loss 92,249 64,642 192,395 138,923
Noninterest income:        
Gain on sale of trademarks 0 0 0 10,000
Gain (loss) on sale of other 1,695 (666) 4,535 (164)
Other income 6,044 4,477 11,223 8,032
Total noninterest income 128,945 127,038 181,706 192,815
Noninterest expense:        
Compensation and benefits 54,073 47,547 100,725 90,564
Refund transfer product expense 7,366 7,863 7,558 7,968
Refund advance expense 1,846 1,603 1,876 1,630
Card processing 35,163 26,924 69,747 49,607
Occupancy and equipment expense 9,293 8,510 18,141 16,822
Operating lease equipment depreciation 10,424 14,719 20,847 24,347
Legal and consulting 6,141 4,921 11,033 14,380
Intangible amortization 1,240 1,435 2,224 2,693
Impairment expense 2,013 500 2,013 524
Other expense 12,872 13,114 25,541 23,660
Total noninterest expense 140,431 127,136 259,705 232,195
Income before income tax expense 80,763 64,544 114,396 99,543
Income tax expense 15,246 9,176 20,965 15,753
Net income before noncontrolling interest 65,517 55,368 93,431 83,790
Net income attributable to noncontrolling interest 249 597 506 1,177
Net income attributable to parent $ 65,268 $ 54,771 $ 92,925 $ 82,613
Earnings per common share:        
Basic (in dollars per share) $ 2.56 $ 1.99 $ 3.61 $ 2.95
Diluted (in dollars per share) $ 2.56 $ 1.99 $ 3.61 $ 2.95
Refund transfer product fees        
Noninterest income:        
Noninterest income: $ 28,942 $ 30,205 $ 29,364 $ 30,882
Refund advance fee income        
Noninterest income:        
Noninterest income: 43,200 37,995 43,311 38,612
Card and deposit fees        
Noninterest income:        
Noninterest income: 35,344 42,087 66,094 79,805
Rental income        
Noninterest income:        
Noninterest income: $ 13,720 $ 12,940 $ 27,179 $ 25,648