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FY2025
12 months to Sep 30, 2025
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FY2024
12 months to Sep 30, 2024
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FY2023
12 months to Sep 30, 2023
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FY2022
12 months to Sep 30, 2022
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FY2021
12 months to Sep 30, 2021
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|---|---|---|---|---|---|
| CASH FLOWS FROM OPERATING ACTIVITIES | |||||
| Net income | |||||
| Adjustments to reconcile net income to net cash provided by operating activities: | |||||
| Depreciation, amortization, accretion and other, net | |||||
| Stock-based compensation expense | |||||
| Provision (release) for credit losses | |||||
| Loss (gain) on sale of investment securities | |||||
| Prepayment penalty on early extinguishment of debt | |||||
| Gain on early termination of long term borrowing hedge | |||||
| Gain on settlements of bank owned life insurance | |||||
| Impairment loss on premises and equipment | |||||
| Net realized (gain) loss on sales of premises, equipment and real estate owned | |||||
| Decrease (increase) in accrued interest receivable | |||||
| Decrease (increase) in federal and state income tax receivable | |||||
| Decrease (increase) in cash surrender value of bank owned life insurance | |||||
| Decrease (increase) in other assets | |||||
| Increase (decrease) in federal and state income tax liabilities | |||||
| Increase (decrease) in accrued expenses and other liabilities | |||||
| Net cash provided by (used in) operating activities | |||||
| CASH FLOWS FROM INVESTING ACTIVITIES | |||||
| Origination of loans and principal repayments, net | |||||
| Loans purchased | |||||
| FHLB & FRB stock purchase | |||||
| FHLB & FRB stock redeemed | |||||
| Available-for-sale securities purchased | |||||
| Principal payments and maturities of available-for-sale securities | |||||
| Proceeds from sales of available-for-sale investment securities | |||||
| Held-to-maturity securities purchased | |||||
| Principal payments and maturities of held-to-maturity securities | |||||
| Proceeds from sales of real estate owned | |||||
| Proceeds from settlements of bank owned life insurance | |||||
| Equity method investments purchased | |||||
| Net cash received (paid) in business combinations | |||||
| Proceeds from sales of loans | |||||
| Proceeds from sales of premises and equipment | |||||
| Premises and equipment purchased and REO improvements | |||||
| Net cash provided by (used in) investing activities | |||||
| CASH FLOWS FROM FINANCING ACTIVITIES | |||||
| Net increase (decrease) in customer accounts | |||||
| Proceeds from borrowings | |||||
| Proceeds from the early termination of long term borrowing hedge | |||||
| Repayments of borrowings | |||||
| Principal payments and maturities of senior debt | |||||
| Proceeds from stock-based awards | |||||
| Dividends paid on common stock | |||||
| Dividends paid on preferred stock | |||||
| Proceeds from employee stock purchase | |||||
| Treasury stock purchased | |||||
| Increase (decrease) in advance payments by borrowers for taxes and insurance | |||||
| Net cash provided by (used by) financing activities | |||||
| Increase (decrease) in cash and cash equivalents | |||||
| Cash and cash equivalents at beginning of year | |||||
| Cash and cash equivalents at end of year | |||||
| SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION | |||||
| Non-cash investing activities | |||||
| Real estate acquired through foreclosure | |||||
| Other personal property acquired through foreclosure | |||||
| Non-cash financing activities | |||||
| Preferred stock dividend payable | |||||
| Cash paid during the year for | |||||
| Interest | |||||
| Income taxes | |||||
| Summary of non-cash activities related to acquisitions | |||||
| Fair value of assets and intangibles acquired | |||||
| Fair value of liabilities assumed | |||||
| Net fair value of acquired assets (liabilities) | |||||
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