CAPITAL REQUIREMENTS AND RESTRICTIONS ON RETAINED EARNINGS (Tables)

12 Months Ended

Sep. 30, 2018

CAPITAL REQUIREMENTS AND RESTRICTIONS ON RETAINED EARNINGS [Abstract]

Bank's Actual and Required Capital Amount and Ratios

The table below includes certain non-GAAP financial measures that are used by investors, analysts and bank regulatory agencies to assess the capital position of financial services companies. Management reviews these measures along with other measures of capital as part of its financial analyses and has included this non-GAAP financial information, and the corresponding reconciliation to total equity.



	Company		Bank		Minimum Requirement For Capital Adequacy Purposes		Minimum Requirement To Be Well Capitalized Under Prompt Corrective Action Provisions
September 30, 2018

Tier 1 leverage ratio	8.50	%	9.75	%	4.00	%	5.00	%
Common equity Tier 1 capital ratio	10.56		12.50		4.50		6.50
Tier 1 capital ratio	10.97		12.56		6.00		8.00
Total qualifying capital ratio	13.18		12.89		8.00		10.00

September 30, 2017

Tier 1 leverage ratio	7.64	%	9.64	%	4.00	%	5.00	%
Common equity Tier 1 capital ratio	13.97		18.22		4.50		6.50
Tier 1 capital ratio	14.46		18.22		6.00		8.00
Total qualifying capital ratio	18.41		18.59		8.00		10.00

Reconciliation of Required Capital Amount and Ratios

The following table provides a reconciliation of the amounts included in the table above for the Company.



	Standardized Approach ⁽¹⁾ September 30, 2018
	(Dollars in Thousands)

Total stockholders' equity	$	747,726
Adjustments:
LESS: Goodwill, net of associated deferred tax liabilities	299,456
LESS: Certain other intangible assets	64,716
LESS: Net unrealized gains (losses) on available-for-sale securities	(33,114		)
LESS: Non-controlling interest	3,574
LESS: Unrealized currency gains (losses)	3
Common Equity Tier 1 ⁽¹⁾	413,091
Long-term debt and other instruments qualifying as Tier 1	13,661
Tier 1 minority interest not included in common equity tier 1 capital	2,118
Total Tier 1 capital	428,870
Allowance for loan and lease losses	13,185
Subordinated debentures (net of issuance costs)	73,491
Total qualifying capital	515,546

⁽¹⁾ The Basel III Capital Rules revised the definition of capital, increased minimum capital ratios, and introduced a minimum CET1 ratio. Those changes became effective for the Company on January 1, 2015, and are being fully phased in through the end of 2021. The capital ratios were determined using the Basel III Capital Rules that became effective on January 1, 2015.