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CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
6 Months Ended
Mar. 31, 2023
Mar. 31, 2022
CASH FLOWS FROM OPERATING ACTIVITIES    
Net income $ 6,595 $ 11,340
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for loan losses 1,356 496
Depreciation and amortization 1,262 1,236
Amortization of premiums and accretion of discounts on securities, net 351 470
Amortization and accretion of fair value adjustments on loans, net (758) (791)
Loans originated for sale (209,395) (1,079,928)
Proceeds on sales of loans 223,271 1,139,507
Net realized and unrealized (gain) loss on loans held for sale (1,689) 2,955
Capitalization of loan servicing rights (898) (8,670)
Net change in value of residential mortgage loan servicing rights 2,507 (6,231)
Net change in value of SBA and nonresidential mortgage loan servicing rights 539 660
Other than temporary impairment loss on securities 28  
Increase in cash surrender value of life insurance (491) (505)
Net gain on equity securities (35)  
Net gain on sale of premises and equipment (29)  
Income from tax credit investments   (10)
Deferred income taxes (1,381) 3,497
Stock compensation expense 353 313
Increase in accrued interest receivable (1,541) (30)
Increase in accrued interest payable 1,352 24
Change in other assets (9,840) (6,022)
Change in other liabilities 9,646 11,968
Net Cash Provided By Operating Activities 21,203 70,279
CASH FLOWS FROM INVESTING ACTIVITIES    
Investment in interest-bearing time deposits (490)  
Proceeds from maturities of interest-bearing time deposits 470 445
Purchase of securities available for sale (11,273) (100,138)
Proceeds from maturities of securities available for sale 6,338 7,505
Proceeds from maturities of securities held to maturity 124 142
Principal collected on securities available for sale 2,498 2,915
Net increase in loans (124,988) (51,262)
Proceeds from redemption of Federal Reserve Bank and Federal Home Loan Bank stock 15 592
Purchase of Federal Reserve Bank and Federal Home Loan Bank stock (3,600)  
Proceeds from life insurance   575
Purchase of premises and equipment (1,623) (215)
Investement in partnership interests (3,441) (240)
Net Cash Used In Investing Activities (135,970) (139,681)
CASH FLOWS FROM FINANCING ACTIVITIES    
Net increase (decrease) in deposits 27,048 (6,391)
Net increase in Federal Home Loan Bank line of credit 492 6,592
Proceeds from Federal Home Loan Bank advances 5,890,000 160,000
Repayment of Federal Home Loan Bank advances (5,760,000) (120,000)
Net proceeds from subordinated note   30,258
Net decrease in other borrowings (37,989)  
Net decrease in advance payments by borrowers for taxes and insurance (114) (684)
Taxes paid on stock award shares for employees (30) (48)
Purchase of treasury shares (2,625)  
Dividends paid on common stock (1,870) (2,648)
Net Cash Provided By Financing Activities 114,912 67,079
Net Increase (Decrease) in Cash and Cash Equivalents 145 (2,323)
Cash and cash equivalents at beginning of year 41,665 33,428
Cash and Cash Equivalents at End of Period 41,810 31,105
Supplemental Disclosures of Cash Flow Information    
Interest 15,769 3,623
Income taxes (net of refunds received) $ (114) $ 48