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Consolidated Statements of Operations - USD ($)
$ in Thousands
12 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Sep. 30, 2022
Interest and dividend income:      
Loans and leases, including fees $ 395,876 $ 323,602 $ 268,078
Mortgage-backed securities 39,402 41,197 26,846
Other investments 41,073 33,936 17,272
Total interest and dividend income 476,351 398,735 312,196
Interest expense:      
Deposits 13,019 4,356 500
FHLB advances and other borrowings 8,214 6,518 4,372
Total interest expense 21,233 10,874 4,872
Net interest income 455,118 387,861 307,324
Provision for credit loss 42,661 57,354 28,538
Net interest income after provision for credit loss 412,457 330,507 278,786
Noninterest income:      
Gain on sale of trademarks 0 10,000 50,000
Gain (loss) on sale of other 12,669 2,663 (6,207)
Other income 23,167 22,115 17,357
Total noninterest income 299,587 316,599 293,807
Noninterest expense:      
Compensation and benefits 201,472 184,318 171,126
Refund transfer product expense 9,862 9,723 8,908
Refund advance expense 1,943 1,863 2,157
Card processing 137,938 105,498 38,785
Occupancy and equipment expense 36,587 34,691 34,909
Operating lease equipment depreciation 41,757 45,710 35,636
Legal and consulting 24,857 27,102 40,634
Intangible amortization 4,131 4,971 6,585
Impairment expense 3,012 3,273 670
Other expense 51,694 47,826 45,865
Total noninterest expense 513,253 464,975 385,275
Income before income tax expense 198,791 182,131 187,318
Income tax expense 29,141 16,324 27,964
Net income before noncontrolling interest 169,650 165,807 159,354
Net income attributable to noncontrolling interest 1,293 2,192 2,968
Net income attributable to parent $ 168,357 $ 163,615 $ 156,386
Earnings per common share:      
Basic (in dollars per share) $ 6.63 $ 6.01 $ 5.26
Diluted (in dollars per share) $ 6.62 $ 5.99 $ 5.26
Refund transfer product fees      
Noninterest income:      
Noninterest income: $ 40,178 $ 39,452 $ 39,809
Refund advance fee income      
Noninterest income:      
Noninterest income: 43,473 37,433 40,557
Card and deposit fees      
Noninterest income:      
Noninterest income: 125,943 150,746 105,733
Rental income      
Noninterest income:      
Noninterest income: $ 54,157 $ 54,190 $ 46,558