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Condensed Consolidated Statements of Operations - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Jun. 30, 2024
Jun. 30, 2023
Jun. 30, 2024
Jun. 30, 2023
Interest and dividend income:        
Loans and leases, including fees $ 95,871 $ 81,242 $ 293,584 $ 233,517
Mortgage-backed securities 9,748 10,234 29,795 30,972
Other investments 8,323 7,870 33,222 24,604
Total interest and dividend income 113,942 99,346 356,601 289,093
Interest expense:        
Deposits 1,689 164 11,900 2,402
FHLB advances and other borrowings 1,394 1,717 5,505 3,764
Total interest expense 3,083 1,881 17,405 6,166
Net interest income 110,859 97,465 339,196 282,927
Provision for credit loss 5,881 1,773 41,823 48,312
Net interest income after provision for credit loss 104,978 95,692 297,373 234,615
Noninterest income:        
Gain on sale of trademarks 0 0 0 10,000
Gain on sale of other 4,675 821 9,210 657
Other income 4,965 5,889 16,188 13,921
Noninterest income 65,871 67,733 247,577 260,548
Noninterest expense:        
Compensation and benefits 48,449 47,402 149,174 137,966
Refund transfer product expense 2,136 1,727 9,694 9,695
Refund advance expense 47 239 1,923 1,869
Card processing 34,314 26,342 104,061 75,949
Occupancy and equipment expense 9,070 8,595 27,211 25,417
Operating lease equipment depreciation 10,465 10,517 31,312 34,864
Legal and consulting 5,410 5,089 16,443 19,469
Intangible amortization 983 1,168 3,207 3,861
Impairment expense 999 2,749 3,012 3,273
Other expense 11,806 10,750 37,347 34,410
Total noninterest expense 123,679 114,578 383,384 346,773
Income before income tax expense 47,170 48,847 161,566 148,390
Income tax expense 5,123 3,243 26,088 18,996
Net income before noncontrolling interest 42,047 45,604 135,478 129,394
Net income attributable to noncontrolling interest 212 508 718 1,685
Net income attributable to parent $ 41,835 $ 45,096 $ 134,760 $ 127,709
Earnings per common share:        
Basic (in dollars per share) $ 1.66 $ 1.69 $ 5.27 $ 4.63
Diluted (in dollars per share) $ 1.66 $ 1.68 $ 5.27 $ 4.62
Refund transfer product fees        
Noninterest income:        
Noninterest income: $ 9,111 $ 8,262 $ 38,475 $ 39,144
Refund advance fee income        
Noninterest income:        
Noninterest income: (67) (927) 43,244 37,685
Card and deposit fees        
Noninterest income:        
Noninterest income: 33,408 39,708 99,502 119,513
Rental income        
Noninterest income:        
Noninterest income: $ 13,779 $ 13,980 $ 40,958 $ 39,628