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CAPITAL REQUIREMENTS AND RESTRICTIONS ON RETAINED EARNINGS (Tables)
12 Months Ended
Sep. 30, 2020
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.
 CompanyBankMinimum to be Adequately Capitalized Under Prompt Corrective Action ProvisionsMinimum to be Well Capitalized Under Prompt Corrective Action Provisions
September 30, 2020
Tier 1 leverage capital ratio6.58 %7.56 %4.00 %5.00 %
Common equity Tier 1 capital ratio11.78 13.96 4.50 6.50 
Tier 1 capital ratio 12.18 14.00 6.00 8.00 
Total capital ratio15.30 15.26 8.00 10.00 
September 30, 2019    
Tier 1 leverage capital ratio8.33 %9.65 %4.00 %5.00 %
Common equity Tier 1 capital ratio10.35 12.31 4.50 6.50 
Tier 1 capital ratio 10.71 12.37 6.00 8.00 
Total capital ratio13.01 13.02 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, 2020
(Dollars in Thousands)
Total stockholders' equity$847,308 
Adjustments:
LESS: Goodwill, net of associated deferred tax liabilities302,396 
LESS: Certain other intangible assets40,964 
LESS: Net deferred tax assets from operating loss and tax credit carry-forwards18,361 
LESS: Net unrealized gains (losses) on available-for-sale securities17,762 
LESS: Noncontrolling interest3,603 
Common Equity Tier 1 (1)
464,222 
Long-term borrowings and other instruments qualifying as Tier 113,661 
Tier 1 minority interest not included in common equity tier 1 capital1,894 
Total Tier 1 capital479,777 
Allowance for loan and lease losses49,343 
Subordinated debentures (net of issuance costs)73,807 
Total capital$602,927 
(1) Capital ratios were determined using the Capital Rules that became effective on January 1, 2015. The Capital Rules revised the definition of capital, increased minimum capital ratios, and introduced a minimum common equity tier 1 capital ratio; those changes are being fully phased in through the end of 2021.
Reconciliation of Tangible Common Equity
The following table provides a reconciliation of tangible common equity and tangible common equity excluding AOCI, each of which is used in calculating tangible book value data, to Total Stockholders' Equity. Each of tangible common equity and tangible common equity excluding AOCI is a non-GAAP financial measure that is commonly used within the banking industry.

(Dollars in Thousands)September 30, 2020
Total stockholders' equity$847,308 
LESS: Goodwill309,505 
LESS: Intangible assets41,692 
Tangible common equity496,111 
LESS: AOCI17,542 
Tangible common equity excluding AOCI$478,569