2019FYFALSE0001613665--09-30The Company's Board of Directors voted to terminate the defined benefit pension plan ("Pension Plan") effective February 1, 2018. Transfer of all Pension Plan assets, liabilities and administrative responsibilities were completed as of September 30, 2018.Cumulative effect adjustment relates to adoption of ASU 2016-09, Compensation - Stock Based Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting.Reclassification due to adoption of ASU 2018-02, Income Statement - Reporting Comprehensive Income (Topic 220): Reclassification of Certain Tax Effects from Accumulated Other Comprehensive 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Registrant’s telephone number, including area code

Securities registered pursuant to Section 12(b) of the Act:

Title of each class			Trading Symbol(s)			Name of each exchange on which registered
Common Stock, $0.01 par value per share			GWB			New York Stock Exchange

Securities registered pursuant to Section 12(g) of the Act:

None

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.    Yes  x   No  o 

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Exchange Act.    Yes  o   No  x

Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Exchange Act during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.   Yes x    No   o

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).   Yes x    No   o

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See definitions of "large accelerated filer", "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule 12b-2 of the Exchange Act.

Large accelerated filer

☒

Accelerated filer

☐

Non-accelerated filer

☐

Smaller reporting company

☐

Emerging growth company

☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes ☐    No   x

The aggregate market value of the voting stock held by non-affiliates of the registrant as of March 31, 2019 was $1,798,685,162.

As of November 22, 2019, the number of shares of the registrant’s Common Stock outstanding was 56,284,089.

DOCUMENTS INCORPORATED BY REFERENCE

Portions of the registrant’s definitive proxy statement for the annual meeting of shareholders to be held on February 4, 2020, and to be filed pursuant to Regulation 14A within 120 days after the registrant’s fiscal year ended September 30, 2019, are incorporated by reference under Part III.

GREAT WESTERN BANCORP, INC.

ANNUAL REPORT ON FORM 10-K

TABLE OF CONTENTS

EXPLANATORY NOTE
CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS
PART I.
Item 1. Business			6
Item 1A. Risk Factors			28
Item 1B. Unresolved Staff Comments			52
Item 2. Properties			52
Item 3. Legal Proceedings			53
Item 4. Mine Safety Disclosures			53
PART II.
Item 5. Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities			53
Item 6. Selected Financial Data			56
Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations			59
Item 7A. Quantitative and Qualitative Disclosures About Market Risk			87
Item 8. Financial Statements and Supplementary Data			90
Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure			140
Item 9A. Controls and Procedures			140
Item 9B. Other Information			143
PART III.
Item 10. Directors, Executive Officers and Corporate Governance			143
Item 11. Executive Compensation			143
Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters			143
Item 13. Certain Relationships and Related Transactions and Director Independence			143
Item 14. Principal Accountant Fees and Services			143
PART IV.
Item 15. Exhibits and Financial Statement Schedules			143
SIGNATURES			147

EXPLANATORY NOTE

Except as otherwise stated or the context otherwise requires, references in this Annual Report on Form 10-K to:

•"we," "our," "us" and our "Company" refers to Great Western Bancorp, Inc., a Delaware corporation, and its consolidated subsidiaries;

•our "Bank" refers to Great Western Bank, a South Dakota banking corporation;

•our "states" refers to the nine states (Arizona, Colorado, Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota and South Dakota) in which we currently conduct our business;

•our "footprint" refers to the geographic markets within our states in which we currently conduct our business;

•"ALLL" refers to allowance for loan and lease losses;

•"AML" refers to anti-money laundering;

•"AOCI" refers to accumulated other comprehensive income;

•"ASC" refers to Accounting Standards Codification;

•"ASC 310-30 loans" or "purchased credit impaired loans" refers to certain loans that had deteriorated credit quality at acquisition;

•"ASU" refers to Accounting Standards Update;

•"BHC Act" refers to the Bank Holding Company Act;

•"BOLI" refers to Bank Owned Life Insurance;

•"BSA" refers to the Bank Secrecy Act;

•"CAN-SPAM Act" refers to the Controlling the Assault of Non-Solicited Pornography and Marketing Act;

•"Capital Rules" or "Basel III" refers to the Basel Committee’s December 2010 final capital framework for strengthening international capital standards;

•"CDD Rule" refers to the Customer Due Diligence Requirements for Financial Institutions rule;

•"CECL" refers to the current expected credit loss model in ASU 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments;

•"CFPB" refers to the Consumer Financial Protection Bureau;

•"COSO" refers to the Committee of Sponsoring Organizations of the Treadway Commission;

•"CRA" refers to the Community Reinvestment Act of 1977;

•"CRE" refers to commercial real estate;

•"DGCL" refers to the Delaware General Corporation Law;

•"Exchange Act" refers to the Securities Exchange Act of 1934;

•"FASB" refers to the Financial Accounting Standards Board;

•"FDIA" refers to the Federal Deposit Insurance Act;

•"FDIC" refers to the Federal Deposit Insurance Corporation;

•"FFIEC" refers to the Federal Financial Institutions Examination Council;

•"FHLB" refers to the Federal Home Loan Bank;

•"FHLMC" refers to the Federal Home Loan Mortgage Corporation;

•"FICO" refers to the Fair Isaac Corporation and its credit scoring services;

•"FinCEN" refers to the Financial Crimes Enforcement Network;

•"FINRA" refers to the Financial Industry Regulatory Authority;

•"FNMA" refers to the Federal National Mortgage Association;

•"FOMC" refers to the Federal Open Market Committee of the Federal Reserve System;

•"FRB" or "Federal Reserve" refers to the Board of Governors of the Federal Reserve System;

•"FTE" refers to fully-tax equivalent;

•"GAAP" or "U.S. GAAP" refers to U.S. generally accepted accounting principles;

•"GSE" refers to a Government Sponsored Enterprise;

•"GWBCI" refers to Great Western Bancorporation, Inc., our predecessor, which was an Iowa corporation formed in 1968 which was previously the holding company for our Bank;

•"HELOC" refers to home equity lines of credit;

•"HF Financial" refers to HF Financial Corporation;

•"HUD" refers to the U.S. Department of Housing and Urban Development;

•"IRA" refers to an individual retirement account;

•"IRS" refers to the Internal Revenue Service;

•"LIBOR" refers to London Interbank Offered Rate, and is a benchmark interest rate index for various adjustable-rate products;

•"MERS" refers to the Mortgage Electronic Registration Systems, Inc.;

•"NAB" refers to National Australia Bank Limited, an Australian public company that was our ultimate parent company prior to our initial public offering in October 2014 and, until July 31, 2015, our principal ultimate stockholder;

•"NAH" refers to National Americas Holdings LLC, a Delaware limited liability company formed in 2008 by NAB to facilitate NAB’s purchase of our Bank;

•"NYSE" refers to the New York Stock Exchange;

•"OFAC" refers to the Office of Foreign Assets Control;

•"REIT" refers to Real Estate Investment Trust;

•"RPA" refers to a risk participation agreement;

•"Sarbanes-Oxley Act" refers to the Sarbanes-Oxley Act of 2002;

•"SBS" refers to strategic business services of our Bank;

•"SD Division of Banking" refers to the Division of Banking of the South Dakota Department of Labor and Regulation;

•"SEC" refers to the Securities and Exchange Commission;

•"Securities Act" refers to the Securities Act of 1933;

•"Tax Reform Act" refers to the Tax Cuts and Jobs Act of 2017;

•"TDR" refer to a troubled debt restructuring;

•"USA PATRIOT Act" refers to the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001; and

•"VIE" refers to a variable interest entity.

CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS

This Annual Report on Form 10-K contains forward-looking statements within the meaning of Section 27A of the Securities Act and Section 21E of the Exchange Act. These forward-looking statements reflect our current views with respect to, among other things, future events and our financial performance. These statements are often, but not always, made through the use of words or phrases such as "anticipates," "believes," "can," "could," "may," "predicts," "potential," "should," "will," "estimate," "plans," "projects," "continuing," "ongoing," "expects," "views," "intends" and similar words or phrases. These forward-looking statements are not historical facts, and are based on current expectations, estimates and projections about our industry, management’s beliefs and certain assumptions made by management, many of which, by their nature, are inherently uncertain and beyond our control. Accordingly, we caution you that any such forward-looking statements are not guarantees of future performance and are subject to risks, assumptions, estimates and uncertainties that are difficult to predict. Although we believe that the expectations reflected in these forward-looking statements are reasonable as of the date made, actual results may prove to be materially different from the results expressed or implied by the forward-looking statements.

A number of important factors could cause our actual results to differ materially from those indicated in these forward-looking statements, including those factors identified in "Item 1A. Risk Factors" or "Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations" or the following:

•current and future economic and market conditions in the United States generally or in our states in particular, including the rate of growth and employment levels;

•our ability to anticipate interest rate changes and manage interest rate risk;

•our ability to achieve loan and deposit growth;

•the relative strength or weakness of the commercial, agricultural and real estate markets where our borrowers are located, including without limitation related asset and market prices;

•declines in asset prices and the market prices for agricultural products or changes in governmental support programs for the agricultural sector;

•our ability to effectively execute our strategic plan and manage our growth;

•our ability to successfully manage our credit risk and the sufficiency of our allowance for loan and lease loss;

•our ability to develop and effectively use the quantitative models we rely upon in our business;

•possible changes in trade, monetary and fiscal policies of, and other activities undertaken by, governments, agencies, central banks and similar organizations, including the potential negative effects of imposed and proposed tariffs and retaliatory tariffs on products that our customers may import or export, including among others, agricultural products;

•our ability to effectively compete with other financial services companies and the effects of competition in the financial services industry on our business;

•operational risks or risk management failures by us or critical third parties, including without limitation with respect to data processing, information systems, cyber-security, technological changes, vendor problems, business interruption and fraud risks;

•fluctuations in the values of our assets and liabilities and off-balance sheet exposures;

•unanticipated changes in our liquidity position, including but not limited to changes in our access to sources of liquidity and capital to address our liquidity needs;

•possible impairment of our goodwill and other intangible assets, or any adjustment of the valuation of our deferred tax assets;

•the effects of geopolitical instability, including war, terrorist attacks and man-made and natural disasters, social instability and changes in governmental policies;

•the effects of adverse weather conditions, particularly on our agricultural borrowers;

•the impact of, and changes in applicable laws, regulations and accounting standards, policies and interpretations, including the impact of the Tax Reform Act;

•legal, compliance and reputational risks, including litigation and regulatory risks;

•our inability to receive dividends from our Bank and to service debt, pay dividends to our common stockholders and satisfy obligations as they become due;

•expected cost savings in connection with the consolidation of recent acquisitions may not be fully realized or realized within the expected time frames, and deposit attrition, customer loss and revenue loss following completed acquisitions may be greater than expected; and

•our ability to meet our obligations as a public company, including our obligations under Section 404 of the Sarbanes-Oxley Act to maintain an effective system of internal control over financial reporting.

The foregoing factors should not be considered an exhaustive list and should be read together with the other cautionary statements included in this Annual Report on Form 10-K. If one or more events related to these or other risks or uncertainties materialize, or if our underlying assumptions prove to be incorrect, actual results may differ materially from what we anticipate. Accordingly, you should not place undue reliance on any forward-looking statements contained in this Annual Report on Form 10-K. Any forward-looking statement speaks only as of the date on which it is made, and we do not undertake any obligation to update or review any forward-looking statement to reflect events or circumstances occurring after the date on which the statement is made or to reflect the occurrence of unanticipated events.