XML 33 R21.htm IDEA: XBRL DOCUMENT v3.24.2.u1
SEGMENT REPORTING
 9 Months Ended
Jun. 30, 2024
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 BaaS business line is reported in the Consumer segment. The Commercial Finance business line is reported in the Commercial segment. The Corporate Services/Other segment includes certain shared services as well as treasury related functions such as the investment portfolio, warehouse finance, wholesale deposits, and borrowings.
The following table presents segment data for the Company:
(Dollars in thousands)ConsumerCommercialCorporate Services/OtherTotal
Three Months Ended June 30,20242023202420232024202320242023
Net interest income$57,875 $40,683 $52,494 $53,067 $490 $3,715 $110,859 $97,465 
Provision for (reversal of) credit loss(2,187)508 8,013 1,265 55 — 5,881 1,773 
Noninterest income44,235 48,714 18,051 16,709 3,585 2,310 65,871 67,733 
Noninterest expense49,133 39,666 33,227 33,594 41,319 41,318 123,679 114,578 
Income (loss) before income tax expense55,164 49,223 29,305 34,917 (37,299)(35,293)47,170 48,847 
Total assets450,044 455,540 4,321,893 3,914,924 2,758,343 3,088,161 7,530,280 7,458,625 
Total goodwill87,145 87,145 222,360 222,360 — — 309,505 309,505 
Total deposits6,190,419 6,130,524 13,592 7,550 227,505 168,902 6,431,516 6,306,976 
Nine Months Ended June 30,
Net interest income$173,758 $116,373 $143,288 $142,149 $22,150 $24,405 $339,196 $282,927 
Provision for credit loss26,719 35,402 15,031 12,860 73 50 41,823 48,312 
Noninterest income186,709 200,029 51,799 45,247 9,069 15,272 247,577 260,548 
Noninterest expense158,598 124,070 106,213 105,189 118,573 117,514 383,384 346,773 
Income (loss) before income tax expense175,150 156,930 73,843 69,347 (87,427)(77,887)161,566 148,390 
Total assets450,044 455,540 4,321,893 3,914,924 2,758,343 3,088,161 7,530,280 7,458,625 
Total goodwill87,145 87,145 222,360 222,360 — — 309,505 309,505 
Total deposits6,190,419 6,130,524 13,592 7,550 227,505 168,902 6,431,516 6,306,976