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Condensed Consolidated Statements of Operations - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Mar. 31, 2023
Mar. 31, 2022
Mar. 31, 2023
Mar. 31, 2022
Interest and dividend income:        
Loans and leases, including fees $ 83,879 $ 75,540 $ 152,275 $ 140,575
Mortgage-backed securities 10,326 5,446 20,738 9,310
Other investments 10,482 4,191 16,734 8,183
Total interest and dividend income 104,687 85,177 189,747 158,068
Interest expense:        
Deposits 2,096 165 2,238 306
FHLB advances and other borrowings 1,186 1,212 2,047 2,349
Total interest expense 3,282 1,377 4,285 2,655
Net interest income 101,405 83,800 185,462 155,413
Provision for credit losses 36,763 32,302 46,539 32,488
Net interest income after provision for credit losses 64,642 51,498 138,923 122,925
Noninterest income:        
Gain (loss) on sale of securities 82 260 82 397
Gain on sale of trademarks 0 0 10,000 50,000
Gain (loss) on sale of other (748) 626 (246) (2,839)
Other income 4,477 3,881 8,032 5,542
Total noninterest income 127,038 109,766 192,815 196,357
Noninterest expense:        
Compensation and benefits 47,547 45,047 90,564 83,272
Refund transfer product expense 7,863 6,260 7,968 6,398
Refund advance expense 1,603 2,002 1,630 2,185
Card processing 26,924 7,457 49,607 14,629
Occupancy and equipment expense 8,510 8,500 16,822 16,849
Operating lease equipment depreciation 14,719 8,737 24,347 17,185
Legal and consulting 4,921 9,347 14,380 15,555
Intangible amortization 1,435 2,169 2,693 3,657
Impairment expense 500 0 524 0
Other expense 13,114 13,641 23,660 25,866
Total noninterest expense 127,136 103,160 232,195 185,596
Income before income tax expense 64,544 58,104 99,543 133,686
Income tax expense 9,176 8,002 15,753 22,278
Net income before noncontrolling interest 55,368 50,102 83,790 111,408
Net income (loss) attributable to noncontrolling interest 597 851 1,177 833
Net income attributable to parent $ 54,771 $ 49,251 $ 82,613 $ 110,575
Earnings per common share:        
Basic (in dollars per share) $ 1.99 $ 1.66 $ 2.95 $ 3.66
Diluted (in dollars per share) $ 1.99 $ 1.66 $ 2.95 $ 3.66
Refund transfer product fees        
Noninterest income:        
Noninterest income $ 30,205 $ 27,805 $ 30,882 $ 28,384
Refund advance fee income        
Noninterest income:        
Noninterest income 37,995 39,299 38,612 40,532
Card and deposit fees        
Noninterest income:        
Noninterest income 42,087 26,520 79,805 51,889
Rental income        
Noninterest income:        
Noninterest income $ 12,940 $ 11,375 $ 25,648 $ 22,452