Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018
ASSETS:
Cash and cash equivalents (includes interest-earning deposits of $198,809 and $122,733)	$ 220,370	$ 139,055
Securities:
Available-for-sale (AFS), at estimated fair value (amortized cost of $1,191,455 and $718,564)	1,204,863	714,614
Held-to-maturity (HTM), at amortized cost (estimated fair value of $0 and $601,071)	0	612,318
Loans receivable, net (allowance for credit losses (ACL) of $9,226 and $8,463)	7,416,747	7,514,485
Federal Home Loan Bank Topeka (FHLB) stock, at cost	98,456	99,726
Premises and equipment, net	96,784	96,005
Income taxes receivable, net	2	2,177
Other assets	302,796	271,167
TOTAL ASSETS	9,340,018	9,449,547
LIABILITIES:
Deposits	5,581,867	5,603,354
FHLB borrowings	2,139,989	2,174,981
Other borrowings	100,000	110,052
Advance payments by borrowers for taxes and insurance	65,686	65,264
Deferred income tax liabilities, net	14,282	21,253
Accounts payable and accrued expenses	101,868	83,021
Total liabilities	8,003,692	8,057,925
STOCKHOLDERS' EQUITY:
Preferred stock, $.01 par value; 100,000,000 shares authorized, no shares issued or outstanding	0	0
Common stock, $.01 par value; 1,400,000,000 shares authorized; 141,440,030 and 141,225,516 shares issued and outstanding as of September 30, 2019 and 2018, respectively	1,414	1,412
Additional paid-in capital	1,210,226	1,207,644
Unearned compensation, Employee Stock Ownership Plan (ESOP)	(34,692)	(36,343)
Retained earnings	174,277	214,569
Accumulated other comprehensive (loss) income (AOCI), net of tax	(14,899)	4,340
Total stockholders' equity	1,336,326	1,391,622
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 9,340,018	$ 9,449,547