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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
$ in Thousands
12 Months Ended
Sep. 30, 2017
Sep. 30, 2016
Sep. 30, 2015
Interest and dividend income:      
Loans receivable, including fees $ 52,117 $ 36,187 $ 29,565
Mortgage-backed securities 16,571 15,771 13,979
Other investments 39,415 29,438 18,063
Total interest and dividend income 108,103 81,396 61,607
Interest expense:      
Deposits 6,051 614 726
FHLB advances and other borrowings 8,822 3,477 1,661
Total interest expense 14,873 4,091 2,387
Net interest income 93,230 77,305 59,220
Provision for loan losses 10,589 4,605 1,465
Net interest income after provision for loan losses 82,641 72,700 57,755
Non-interest income:      
Refund transfer product fees 38,956 23,347 63
Tax advance product fees 31,913 1,575 0
Card fees 94,707 70,533 54,542
Loan fees 3,882 3,374 2,348
Bank-owned life insurance income 2,216 1,656 2,030
Deposit fees 736 603 593
Loss on sale of securities available-for-sale, net (Includes ($493), ($326), and ($1,634) reclassified from accumulated other comprehensive income (loss) for net gains (losses) on available for sale securities for the fiscal years ended September 30, 2017, 2016 and 2015, respectively) (493) (326) (1,634)
Loss (gain) on foreclosed real estate (6) 0 28
Other income 261 8 204
Total non-interest income 172,172 100,770 58,174
Non-interest expense:      
Compensation and benefits 88,728 61,675 46,493
Refund transfer product expense 11,885 8,648 3
Tax advance product expense 3,241 0 0
Card processing expense 24,130 22,263 16,508
Occupancy and equipment expense 16,465 13,999 11,399
Legal and consulting expense 8,384 4,824 4,978
Marketing 1,449 1,334 1,347
Data processing expense 2,117 1,972 1,537
Amortization expense 12,362 4,828 1,349
Intangible impairment 10,248 0 0
Other expense 20,654 15,105 12,892
Total non-interest expense 199,663 134,648 96,506
Income before income tax expense 55,150 38,822 19,423
Income tax expense (Includes ($185), ($118), and ($597) income tax expense (benefit) reclassified from accumulated other comprehensive income (loss) for the fiscal years ended September 30, 2017, 2016 and 2015, respectively) 10,233 5,602 1,368
Net Income $ 44,917 $ 33,220 $ 18,055
Earnings per common share (1):      
Basic (in dollars per share) [1] $ 4.86 $ 3.93 $ 2.68
Diluted (in dollars per share) [1] $ 4.83 3.91 $ 2.66
Accounting Standards Update 2015-06 [Member]      
Earnings per common share (1):      
Basic (in dollars per share)   3.93  
Diluted (in dollars per share)   3.91  
Accounting Standards Update 2015-06 [Member] | Scenario, Previously Reported [Member]      
Earnings per common share (1):      
Basic (in dollars per share)   3.95  
Diluted (in dollars per share)   $ 3.92  
[1] See Reclassification and Revision of Prior Period Balances under Note 1 Summary of Significant Accounting Policies for additional information describing adjustments made to the Company's EPS calculation. Basic EPS for the fiscal year ended September 30, 2016 of $3.95 was corrected to $3.93 and diluted EPS of $3.92 was corrected to $3.91.