Customer Accounts

12 Months Ended

Sep. 30, 2018

Banking and Thrift [Abstract]

Customer Accounts

CUSTOMER ACCOUNTS

The following tables provide the composition of the Company's customer accounts, including time deposits.

	September 30, 2018						September 30, 2017
	Deposit Account Balance		As a % of Total Deposits		Weighted Average Rate		Deposit Account Balance		As a % of Total Deposits		Weighted Average Rate
($ in thousands)
Non-interest checking	$	1,401,226	12.4	%	—	%	$	1,258,274	11.6	%	—	%
Interest checking	1,778,520		15.6		0.50		1,760,821		16.3		0.23
Savings	836,501		7.3		0.11		888,881		8.2		0.11
Money market	2,566,096		22.5		0.65		2,453,182		22.6		0.19
Time deposits	4,804,803		42.2		1.50		4,473,850		41.3		1.09
Total	$	11,387,146	100	%	0.87	%	$	10,835,008	100	%	0.54	%

Time deposits by rate band are as follows:	September 30, 2018		September 30, 2017
	(In thousands)
Time deposit accounts
Less than 1.00%	$	629,589	$	2,204,756
1.00% to 1.99%	3,761,543		2,099,841
2.00% to 2.99%	413,671		169,253
Total time deposits	$	4,804,803	$	4,473,850
Time deposits by maturity band are as follows:	September 30, 2018		September 30, 2017
	(In thousands)
Within 1 year	$	2,800,978	$	2,553,712
1 to 2 years	1,335,242		975,351
2 to 3 years	296,238		386,763
Over 3 years	372,345		558,024
	$	4,804,803	$	4,473,850

Customer accounts over $250,000 totaled $3,088,231,000 as of September 30, 2018, and $2,674,914,000 as of September 30, 2017.

Interest expense on customer accounts consisted of the following:

Year ended September 30,	2018			2017			2016
	(In thousands)
Checking accounts	$	6,072		$	2,721		$	1,491
Savings accounts	920			978			734
Money market accounts	7,788			3,592			3,285
Time deposit accounts	58,468			45,256			47,425
	73,248			52,547			52,935
Less early withdrawal penalties	(756		)	(524		)	(450		)
	$	72,492		$	52,023		$	52,485
Weighted average interest rate at end of year	0.87		%	0.54		%	0.50		%
Weighted daily average interest rate during the year	0.65		%	0.49		%	0.50		%