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SEGMENT REPORTING
12 Months Ended
Sep. 30, 2020
Segment Reporting [Abstract]  
SEGMENT REPORTING SEGMENT REPORTING
 
An operating segment is generally defined as a component of a business for which discrete financial information is available and whose results are reviewed by the chief operating decision-maker. Operating segments are aggregated into reportable segments if certain criteria are met.

In the Annual Report on Form 10-K for the fiscal year ended September 30, 2019, the Company reported its results of operations through three business segments: Payments, Banking, and Corporate Services/Other. Beginning October 1, 2019, segments are now aligned with the new management operating structure implemented by the Company for fiscal year 2020. The Company accordingly has changed its basis of presentation for segments, and following such change, reports its results of operations through the following three business segments: Consumer, Commercial, and Corporate Services/Other. The Meta Payment Systems and Tax Services divisions, formerly reported in the Payments segment, are now included in the Consumer segment. The Warehouse Finance, Consumer Credit Products and ClearBalance business lines, previously reported in the Banking segment, are now included in the Consumer segment. The Crestmark and AFS divisions, formerly reported in the Banking segment, are now included in the Commercial segment. The Community Bank division and Student Loan lending portfolio, previously reported in the Banking segment, are now included in the Corporate Services/Other segment. The Corporate Services/Other segment also includes certain shared services as well as treasury related functions such as the investment portfolio, wholesale deposits and borrowings. Prior periods have been reclassified to conform to the current period presentation. The Company does not report indirect general and administrative expenses in the Consumer and Commercial segments.

The following tables present segment data for the Company for the fiscal years ended September 30, 2020, 2019 and 2018, respectively.
 ConsumerCommercialCorporate Services/OtherTotal
Fiscal Year Ended September 30, 2020
Net interest income$108,085 $150,766 $187 $259,038 
Provision for loan and lease losses21,838 29,296 13,642 64,776 
Noninterest income158,311 60,151 21,332 239,794 
Noninterest expense76,651 107,802 134,598 319,051 
Income (loss) before income tax expense (benefit)167,907 73,819 (126,721)115,005 
Total assets588,216 2,836,149 2,667,709 6,092,074 
Total goodwill87,145 222,360 — 309,505 
Total deposits4,555,999 6,226 416,975 4,979,200 
 ConsumerCommercialCorporate Services/OtherTotal
Fiscal Year Ended September 30, 2019
Net interest income$79,010 $152,565 $32,632 $264,207 
Provision for loan and lease losses25,336 21,901 8,413 55,650 
Noninterest income162,212 54,224 6,109 222,545 
Noninterest expense77,153 127,033 128,974 333,160 
Income (loss) before income tax expense (benefit)138,733 57,855 (98,646)97,942 
Total assets700,365 2,432,381 3,050,144 6,182,890 
Total goodwill87,145 222,360 — 309,505 
Total deposits2,444,452 5,588 1,886,965 4,337,005 

ConsumerCommercialCorporate Services/OtherTotal
Fiscal Year Ended September 30, 2018
Net interest income$26,111 $34,294 $70,144 $130,549 
Provision for loan losses22,202 1,968 5,262 29,432 
Noninterest income (expense)176,257 11,955 (3,687)184,525 
Noninterest expense97,288 36,422 94,522 228,232 
Income (loss) before income tax expense (benefit)82,878 7,859 (33,327)57,410 
Total assets344,919 1,942,283 3,547,865 5,835,067 
Total goodwill87,145 216,125 — 303,270 
Total deposits2,419,773 4,939 2,006,275 4,430,987