Axos Financial (AX) 10-K 26 Aug 15 2015 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Jun. 30, 2015	Aug. 20, 2015	Dec. 31, 2014
Document and Entity Information [Abstract]
Entity Registrant Name	BofI Holding, Inc.
Entity Central Index Key	1,299,709
Current Fiscal Year End Date	--06-30
Entity Filer Category	Large Accelerated Filer
Document Type	10-K
Document Period End Date	Jun. 30, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	FY
Amendment Flag	false
Entity Common Stock, Shares Outstanding		15,640,845
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Public Float			$ 1,102,134,892

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014
ASSETS
Cash and due from banks	$ 222,774	$ 155,484
Federal funds sold	100	100
Total cash and cash equivalents	222,874	155,584
Securities:
Trading	7,832	8,066
Available for sale	163,361	214,778
Held to maturity—fair value of $228,323 at June 2015 and $243,966 at June 2014	225,555	247,729
Stock of the Federal Home Loan Bank, at cost	66,270	42,770
Loans held for sale, carried at fair value	25,430	20,575
Loans held for sale, carried at lower of cost or fair value	77,891	114,796
Loans—net of allowance for loan losses of $28,327 as of June 2015 and $18,373 as of June 2014	4,928,618	3,532,841
Accrued interest receivable	20,268	13,863
Furniture, equipment and software—net	8,551	6,707
Deferred income tax	32,955	25,245
Cash surrender value of life insurance	5,806	5,625
Mortgage servicing rights, carried at fair value	2,098	562
Other real estate owned and repossessed vehicles	1,240	75
Other assets	34,970	13,783
TOTAL ASSETS	5,823,719	4,402,999
Deposits:
Non-interest bearing	309,339	186,786
Interest bearing	4,142,578	2,854,750
Total deposits	4,451,917	3,041,536
Securities sold under agreements to repurchase	35,000	45,000
Advances from the Federal Home Loan Bank	753,000	910,000
Subordinated debentures	5,155	5,155
Accrued interest payable	1,266	1,350
Accounts payable and accrued liabilities and other liabilities	43,855	29,180
Total liabilities	$ 5,290,193	$ 4,032,221
COMMITMENTS AND CONTINGENCIES (Note 14)
STOCKHOLDERS’ EQUITY:
Preferred Stock	$ 5,063	$ 5,063
Common stock—$0.01 par value; 50,000,000 shares authorized, 16,589,111 shares issued and 15,518,751 shares outstanding as of June 2015, 15,423,822 shares issued and 14,451,900 shares outstanding as of June 2014	166	154
Additional paid-in capital	296,507	207,579
Accumulated other comprehensive income (loss) — net of tax	(9,399)	(10,366)
Retained earnings	265,833	183,460
Treasury stock, at cost; 1,070,360 shares as of June 2015 and 971,922 shares as of June 2014	(24,644)	(15,112)
Total stockholders’ equity	533,526	370,778
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 5,823,719	$ 4,402,999

CONSOLIDATED BALANCE SHEETS PAR

CONSOLIDATED BALANCE SHEETS PARENTHETICAL - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014
Assets:
Held to maturity - Fair Value	$ 228,323	$ 243,966
Loans - Net Allowance for Loan Losses	$ 28,327	$ 18,373
Stockholders' Equity:
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	50,000,000	50,000,000
Common stock, shares, issued	16,589,111	15,423,822
Common stock, shares outstanding	15,518,751	14,451,900
Preferred Stock, shares authorized	1,000,000	1,000,000
Preferred stock, par or stated value	$ 0.01	$ 0.01
Treasury stock, shares	1,070,360	971,922
Convertible Series A Preferred Stock
Stockholders' Equity:
Preferred stock, par or stated value	$ 10,000	$ 10,000
Preferred stock, shares issued	515	515
Preferred stock, shares outstanding	515	515

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
INTEREST AND DIVIDEND INCOME:
Loans, including fees	$ 220,486	$ 147,664	$ 113,503
Investments	23,878	25,214	22,151
Total interest and dividend income	244,364	172,878	135,654
INTEREST EXPENSE:
Deposits	34,733	24,817	22,868
Advances from the Federal Home Loan Bank	8,910	6,981	5,939
Other borrowings	1,776	3,983	5,219
Total interest expense	45,419	35,781	34,026
Net interest income	198,945	137,097	101,628
Provision for loan losses	11,200	5,350	7,550
Net interest income, after provision for loan losses	187,745	131,747	94,078
NON-INTEREST INCOME:
Realized gain (loss) on sale of mortgage-backed securities	587	208	212
Other-than-temporary loss on securities:
Total impairment (losses)	(6,805)	(2,359)	(8,080)
(Gain) loss recognized in other comprehensive loss	4,440	(443)	4,579
Net impairment loss recognized in earnings	(2,365)	(2,802)	(3,501)
Fair value gain (loss) on trading securities	(234)	954	1,274
Total unrealized loss on securities	(2,599)	(1,848)	(2,227)
Prepayment penalty fee income	4,695	2,687	1,742
Gain on sale - other	5,793	6,658	1,130
Mortgage banking income	15,264	10,170	22,953
Banking service fees and other income	6,850	4,580	3,900
Total non-interest income	30,590	22,455	27,710
NON-INTEREST EXPENSE:
Salaries and related costs	43,819	32,240	28,874
Professional services	4,122	5,421	3,531
Occupancy and equipment	3,091	2,324	2,086
Data processing and internet	6,632	5,373	2,773
Advertising and promotional	6,060	3,724	4,084
Depreciation and amortization	3,273	2,874	1,904
Real estate owned and repossessed vehicles	(120)	(149)	505
FDIC and regulatory fees	3,434	2,343	2,125
Other general and administrative	7,167	5,783	7,705
Total non-interest expense	77,478	59,933	53,587
INCOME BEFORE INCOME TAXES	140,857	94,269	68,201
INCOME TAXES	58,175	38,313	27,910
NET INCOME	82,682	55,956	40,291
NET INCOME ATTRIBUTABLE TO COMMON STOCK	82,373	55,647	39,456
COMPREHENSIVE INCOME	$ 83,649	$ 56,390	$ 34,926
Basic earnings per share (dollars per share)	$ 5.39	$ 3.87	$ 3
Diluted earnings per share (dollars per share)	$ 5.37	$ 3.85	$ 2.89

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
Statement of Comprehensive Income [Abstract]
NET INCOME	$ 82,682	$ 55,956	$ 40,291
Net unrealized gain (loss) from available-for-sale securities, net of tax expense (benefit) of $(132), $(36) and $1,865 for the years ended June 30, 2015, 2014 and 2013, respectively.	180	54	(2,796)
Other-than-temporary impairment on securities recognized in other comprehensive income, net of tax expense (benefit) of $(832), $(253) and $1,713 for the years ended June 30, 2015, 2014 and 2013, respectively.	1,139	380	(2,569)
Reclassification of net (gain) loss from available-for-sale securities included in income, net of tax expense (benefit) of $235, $0 and $0 for the years ended June 30, 2015, 2014 and 2013, respectively.	(352)	0	0
Other comprehensive income (loss)	967	434	(5,365)
Comprehensive income	$ 83,649	$ 56,390	$ 34,926

CONSOLIDATED STATEMENTS OF COM6

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME PARENTHETICAL - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
Statement of Comprehensive Income [Abstract]
Net tax expense (benefit) for net unrealized gain (loss) from available-for-sale securities	$ (132)	$ (36)	$ 1,865
Net tax expense (benefit) for other-than-temporary impairment on securities recognized in other comprehensive income	(832)	(253)	1,713
Net tax expense (benefit) for reclassification of net (gain) loss from available-for-sale securities included in income	$ 235	$ 0	$ 0

CONSOLIDATED STATEMENTS OF STOC

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Convertible Preferred Stock	Common Stock	Treasury Stock	Treasury StockRestricted stock	Treasury StockStock options	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Income (Loss), Net of Income Tax
Convertible preferred stock, shares outstanding at Jun. 30, 2012		20,647
Common stock, shares outstanding at Jun. 30, 2012	11,512,536		12,321,578	(809,042)
Stockholders' equity at Jun. 30, 2012	$ 206,620	$ 24,502	$ 123	$ (6,610)			$ 105,683	$ 88,357	$ (5,435)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	40,291							40,291
Other comprehensive income (loss)	(5,365)								(5,365)
Cash dividends on preferred stock	(835)							(835)
Issuance of convertible preferred stock, shares		1,857
Issuance of convertible preferred stock	$ 18,544	$ 18,544
Issuance of common stock, shares	200,000		200,000
Issuance of common stock	$ 6,765		$ 2				6,763
Convert preferred stock to common stock, shares	1,855,411	(21,989)	1,855,411
Convert preferred stock to common stock	$ 0	$ (37,983)	$ 18				37,965
Stock-based compensation expense	$ 3,297						3,297
Restricted stock grants, issued, shares	234,105		234,105
Shares paid for tax withholdings for share based compensation					(95,862)	0
Stock option exercises and tax benefits of equity compensation, net of tax withholdings	27,135
Restricted stock grants, net of shares issued for tax withholdings	138,243
Restricted stock grants	$ (1,471)		$ 3	(3,647)			2,173
Stock option exercises and tax benefits of equity compensation, shares issued	27,135		27,135
Stock option exercises and tax benefits of equity compensation	$ 416		$ 0	$ 0			416
Convertible preferred stock, shares outstanding at Jun. 30, 2013		515
Common stock, shares outstanding at Jun. 30, 2013	13,733,325		14,638,229	(904,904)
Stockholders' equity at Jun. 30, 2013	$ 268,262	$ 5,063	$ 146	$ (10,257)			156,297	127,813	(10,800)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	55,956							55,956
Other comprehensive income (loss)	434								434
Cash dividends on preferred stock	$ (309)							(309)
Issuance of common stock, shares	560,301		560,301
Issuance of common stock	$ 41,583		$ 7				41,576
Convert preferred stock to common stock, shares	0
Stock-based compensation expense	$ 4,358						4,358
Restricted stock grants, issued, shares	169,760		169,760
Shares paid for tax withholdings for share based compensation					(67,018)	0
Stock option exercises and tax benefits of equity compensation, net of tax withholdings	55,532
Restricted stock grants, net of shares issued for tax withholdings	102,742
Restricted stock grants	$ (1,384)		$ 1	(4,855)			3,470
Stock option exercises and tax benefits of equity compensation, shares issued	55,532		55,532
Stock option exercises and tax benefits of equity compensation	$ 1,878		$ 0	$ 0			1,878
Convertible preferred stock, shares outstanding at Jun. 30, 2014		515
Common stock, shares outstanding at Jun. 30, 2014	14,451,900		15,423,822	(971,922)
Stockholders' equity at Jun. 30, 2014	$ 370,778	$ 5,063	$ 154	$ (15,112)			207,579	183,460	(10,366)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	82,682							82,682
Other comprehensive income (loss)	967								967
Cash dividends on preferred stock	$ (309)							(309)
Issuance of common stock, shares	949,089		949,089
Issuance of common stock	$ 75,985		$ 9				75,976
Convert preferred stock to common stock, shares	0
Stock-based compensation expense	$ 6,648						6,648
Restricted stock grants, issued, shares	129,850		129,850
Shares paid for tax withholdings for share based compensation					(56,151)	(42,287)
Stock option exercises and tax benefits of equity compensation, net of tax withholdings	44,063
Restricted stock grants, net of shares issued for tax withholdings	73,699
Restricted stock grants	$ (2,880)		$ 2	(5,310)			2,428
Stock option exercises and tax benefits of equity compensation, shares issued	86,350		86,350
Stock option exercises and tax benefits of equity compensation	$ (345)		$ 1	$ (4,222)			3,876
Convertible preferred stock, shares outstanding at Jun. 30, 2015		515
Common stock, shares outstanding at Jun. 30, 2015	15,518,751		16,589,111	(1,070,360)
Stockholders' equity at Jun. 30, 2015	$ 533,526	$ 5,063	$ 166	$ (24,644)			$ 296,507	$ 265,833	$ (9,399)

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 82,682	$ 55,956	$ 40,291
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Accretion of discounts on securities	(5,517)	(8,340)	(7,687)
Net accretion of discounts on loans	(27)	(2,647)	(3,443)
Stock-based compensation expense	6,648	4,358	3,297
Tax benefit from exercise of common stock options and vesting of restricted stock grants	(5,526)	(4,856)	(2,332)
Valuation of financial instruments carried at fair value	234	(955)	(1,273)
Net gain on sale of investment securities	(587)	0	(212)
Impairment charge on securities	2,365	2,802	3,501
Provision for loan losses	11,200	5,350	7,550
Deferred income taxes	(8,818)	(2,040)	(4,618)
Origination of loans held for sale	(1,048,982)	(741,494)	(1,085,941)
Unrealized (gain) loss on loans held for sale	119	179	284
Gain on sales of loans held for sale	(21,057)	(17,007)	(24,367)
Proceeds from sale of loans held for sale	1,114,097	727,265	1,081,954
Change in fair value of mortgage servicing rights	265	(45)	0
(Gain) loss on sale of other real estate and foreclosed assets	(283)	(350)	(372)
Depreciation and amortization of furniture, equipment and software	3,273	2,874	1,904
Net changes in assets and liabilities which provide (use) cash:
Accrued interest receivable	(6,405)	(4,100)	(1,891)
Other assets	(17,948)	(1,224)	3,466
Accrued interest payable	(84)	(324)	(128)
Accounts payable and accrued liabilities	10,453	5,917	5,767
Net cash provided by (used) in operating activities	116,102	21,319	15,750
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchases of investment securities	(10,464)	(83,033)	(79,533)
Proceeds from sale of available for sale mortgage-backed securities	9,539	0	2,775
Proceeds from repayment of securities	80,546	88,086	88,106
Purchase of stock of the Federal Home Loan Bank	(60,870)	(34,221)	(14,868)
Proceeds from redemption of stock of Federal Home Loan Bank	37,370	19,201	7,798
Origination of loans held for investment	(3,242,828)	(2,297,976)	(953,012)
Origination of mortgage warehouse loans, net	(29,083)	0	(101,612)
Proceeds from sales of other real estate owned and repossessed assets	1,518	2,724	3,151
Purchases of loans, net of discounts and premiums	(2,452)	(95)	(1,541)
Principal repayments on loans	1,847,665	990,305	541,076
Purchases of furniture, equipment and software	(5,117)	(3,163)	(3,914)
Net cash used in investing activities	(1,374,176)	(1,318,172)	(511,574)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	1,410,381	949,537	476,911
Proceeds from the Federal Home Loan Bank advances	734,000	950,000	327,417
Repayment of the Federal Home Loan Bank advances	(891,000)	(630,417)	(159,000)
Repayments of other borrowings and securities sold under agreements to repurchase	(10,000)	(65,000)	(10,000)
Proceeds from exercise of common stock options	781	500	260
Proceeds from issuance of common stock	75,985	41,576	6,765
Proceeds from issuance of preferred stock	0	0	18,544
Tax benefit from exercise of common stock options and vesting of restricted stock grants	5,526	4,856	2,332
Cash dividends on preferred stock	(309)	(309)	(1,137)
Net cash provided by financing activities	1,325,364	1,250,743	662,092
NET CHANGE IN CASH AND CASH EQUIVALENTS	67,290	(46,110)	166,268
CASH AND CASH EQUIVALENTS—Beginning of year	155,584	201,694	35,426
CASH AND CASH EQUIVALENTS—End of period	222,874	155,584	201,694
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Interest paid on deposits and borrowed funds	45,503	36,104	34,154
Income taxes paid	68,481	37,339	35,830
Transfers to other real estate and repossessed vehicles	2,484	1,206	4,466
Transfers from loans held for investment to loans held for sale	30,000	39,799	4,654
Transfers from loans held for sale to loans held for investment	7,237	1,471	40,779
Transfer from preferred stock to common stock	0	0	18
Transfer from preferred stock to additional paid-in capital	$ 0	$ 0	$ 37,965

ORGANIZATIONS AND SUMMARY OF SI

ORGANIZATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Jun. 30, 2015
Accounting Policies [Abstract]
ORGANIZATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	ORGANIZATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Basis of Presentation and Consolidation . The consolidated financial statements include the accounts of BofI Holding, Inc. and its wholly owned subsidiary, BofI Federal Bank (collectively, the “Company”). All significant intercompany balances have been eliminated in consolidation. Certain reclassifications were made to previously reported amounts in the unaudited condensed consolidated financial statements and notes thereto to make them consistent with the current period presentation. BofI Holding, Inc. was incorporated in the State of Delaware on July 6, 1999 for the purpose of organizing and launching an Internet-based savings bank. BofI Federal Bank (the “Bank”), which opened for business over the Internet on July 4, 2000, is subject to regulation and examination by the Office of the Comptroller of the Currency (“OCC”), its primary regulator. The Federal Deposit Insurance Corporation (“FDIC”) insures the Bank’s deposit accounts up to the maximum allowable amount. Use of Estimates . In preparing consolidated financial statements in conformity with accounting principles generally accepted in the United States of America, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and reported amounts of revenues and expenses during the reporting period. Actual results may differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the assessment for other-than-temporary impairment on investment securities and the fair value of certain financial instruments. Business . The Bank provides consumer and business banking products through the branchless distribution channels and affinity partners. The Bank’s deposit products are demand accounts, savings accounts and time deposits marketed to consumers and businesses located in all 50 states. The Bank’s primary lending products are residential single family and multifamily mortgage loans. The Bank’s business is primarily concentrated in the state of California and is subject to the general economic conditions of that state. Cash and cash equivalents. The Bank’s cash, due from banks, money market mutual funds and federal funds sold, all of which have original maturities within 90 days, consist of cash and cash equivalents. Net cash flows are reported for customer deposit transactions. Restrictions on Cash . Federal Reserve Board regulations require depository institutions to maintain certain minimum reserve balances. Included in cash were balances required by the Federal Reserve Bank of San Francisco of $6,880 and $8,350 at June 30, 2015 and 2014 , respectively. Interest Rate Risk . The Bank’s assets and liabilities are generally monetary in nature and interest rate changes have an effect on the Bank’s performance. The Bank decreases the effect of interest rate changes on its performance by striving to match maturities and interest sensitivity between loans and deposits. A significant change in interest rates could have a material effect on the Bank’s results of operations. Concentration of Credit Risk. The Bank’s loan portfolio was collateralized by various forms of real estate with approximately 66.4% of the mortgage portfolio located in California at June 30, 2015 . The Bank’s loan portfolio contains concentrations of credit in multifamily, single family, commercial, and home equity loans. The Bank believes its underwriting standards combined with its low LTV requirements substantially mitigate the risk of loss which may result from these concentrations. Securities . Debt securities are classified as held-to-maturity and carried at amortized cost when management has both the positive intent and ability to hold them to maturity. Debt securities are classified as available-for-sale when they might be sold before maturity. Trading securities refer to certain types of assets that banks hold for resale at a profit or when the Company elects to account for certain securities at fair value. Increases or decreases in the fair value of trading securities are recognized in earnings as they occur. Securities available-for-sale are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income, net of tax. Gains and losses on securities sales are based on a comparison of sales proceeds and the amortized cost of the security sold using the specific identification method. Purchases and sales are recognized on the trade date. Interest income includes amortization of purchase premiums or discounts. Premiums and discounts on securities are amortized or accreted using the level-yield method without anticipating prepayments, except for mortgage-backed securities where prepayments are anticipated. The Company’s portfolios of held-to-maturity and available-for-sale securities are reviewed quarterly for other-than-temporary impairment. In performing this review, management considers (1) the length of time and extent that fair value has been less than amortized cost, (2) the financial condition and near term prospects of the issuer, (3) the impact of changes in market interest rates on the market value of the security and (4) how to record an impairment by assessing whether the Company intends to sell it or is more likely than not that it will be required to sell a security in an unrealized loss position before the Company recovers the security’s amortized cost. If either of these criteria for (4) is met, the entire difference between amortized cost and fair value is recognized in earnings. Alternatively, if the criteria for (4) is not met, the amount of impairment recognized in earnings is limited to the amount related to credit losses, while impairment related to other factors is recognized in other comprehensive income. The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. Loans . Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of unearned interest, deferred purchase premiums and discounts, deferred loan origination fees and costs, and an allowance for loan losses. Interest income is accrued on the unpaid principal balance. Premiums and discounts on loans purchased as well as loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level-yield method. Recognition of interest income on all portfolio segments is generally discontinued at the time the loan is 90 days delinquent unless the loan is well secured and in process of collection. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not received for loans placed on nonaccrual, is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost recovery method, until qualifying for return to accrual status. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. Loans Held for Sale . U.S. government agency (“agency”) loans originated and intended for sale in the secondary market are carried at fair value. Net unrealized gains and losses are recognized through the income statement. The Bank sells its mortgage loans with either servicing released or servicing retained depending upon market pricing. Gains and losses on loan sales are recorded as mortgage banking income, based on the difference between sales proceeds and carrying value. Non-agency loans held for sale as of June 30, 2015 were carried at the lower of cost or fair value. Loans that were originated with the intent and ability to hold for the foreseeable future (loans held in portfolio) but which have been subsequently designated as being held for sale for risk management or liquidity needs are carried at the lower of cost or fair value calculated using pools of loans with similar characteristics. There may be times when loans have been classified as held for sale and for some reason cannot be sold. Loans transferred to a long-term investment classification from held-for-sale are transferred at the lower of cost or market value on the transfer date. Any difference between the carrying amount of the loan and its outstanding principal balance is recognized as an adjustment to yield by the interest method. A loan cannot be classified as a long-term investment unless the Bank has both the ability and the intent to hold the loan for the foreseeable future or until maturity. Allowance for Loan Losses . The allowance for loan losses is maintained at a level estimated to provide for probable incurred losses in the loan portfolio. Management determines the adequacy of the allowance based on reviews of individual loans and pools of loans, recent loss experience, current economic conditions, the risk characteristics of the various categories of loans and other pertinent factors. This evaluation is inherently subjective and requires estimates that are susceptible to significant revision as more information becomes available. The allowance is increased by the provision for loan losses, which is charged against current period operating results and recoveries of loans previously charged-off. The allowance is decreased by the amount of charge-offs of loans deemed uncollectible. Allocations of the allowance may be made for specific loans but the entire allowance is available for any loan that, in management’s judgment, should be charged off. The allowance for loan loss includes specific and general reserves. Specific reserves are provided for impaired loans considered Troubled Debt Restructurings (“TDRs”). All other impaired loans are written down through charge-offs to the fair value of collateral, less estimated selling cost, and no specific or general reserve is provided. A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which terms have been modified resulting in a concession and for which the borrower is experiencing financial difficulties are considered TDRs and classified as impaired. A loan is measured for impairment generally two different ways. If the loan is primarily dependent upon the borrower to make payments, then impairment is calculated by comparing the present value of the expected future payments discounted at the effective loan rate to the carrying value of the loan. If the loan is collateral dependent, the net proceeds from the sale of the collateral is compared to the carrying value of the loan. If the calculated amount is less than the carrying value of the loan, the loan has impairment. A general reserve is included in the allowance for loan loss and is determined by adding the results of a quantitative and a qualitative analysis to all other loans not measured for impairment at the reporting date. The quantitative analysis determines the Bank’s actual annual historic charge-off rates for the previous three fiscal years and applies the average historic rates to the outstanding loan balances in each pool, the product of which is the general reserve amount. The qualitative analysis considers one or more of the following factors: changes in lending policies and procedures, changes in economic conditions, changes in the content of the portfolio, changes in lending management, changes in the volume of delinquency rates, changes to the scope of the loan review system, changes in the underlying collateral of the loans, changes in credit concentrations and any changes in the requirements to the credit loss calculations. A loss rate is estimated and applied to those loans affected by the qualitative factors. The following portfolio segments have been identified: single family secured mortgage, home equity secured mortgage, single family warehouse and other, multi-family secured mortgage, commercial real estate and land secured mortgage, recreational vehicles and auto secured, factoring, commercial and industrial (“C&I”) and other. General loan loss reserves are calculated by grouping each mortgage loan by collateral type and by grouping the LTV ratios of each loan within the collateral type. An estimated allowance rate for each LTV group within each type of loan is multiplied by the total principal amount in the group to calculate the required general reserve attributable to that group. Management uses an allowance rate that provides a larger loss allowance for loans with greater LTV ratios. General loan loss reserves for C&I loans are determined through a loan level grading system to base its projected loss rates. A matrix was created with a base loss rate with additional potential industry and volume risk adjustments, to calculate a loss rating for each deal. Given the lack of historical loss experience for this segment at the Company, an allowance loss range is based upon historical peer loss rates. General loan loss reserves for consumer loans are calculated by grouping each loan by credit score (e.g. FICO) at origination and applying an estimated allowance rate to each group. In addition to credit score grading, general loan loss reserves are increased for all consumer loans determined to be 90 days or more past due. Specific reserves or direct charge-offs are calculated when an internal asset review of a loan identifies a significant adverse change in the financial position of the borrower or the value of the collateral. The specific reserve or direct charge-off is based on discounted cash flows, observable market prices or the estimated value of underlying collateral. Specific loan charge-offs on impaired loans are recorded as a write-off and a decrease to the allowance in the period the impairment is identified. A loan is classified as a TDR when management determines that an existing borrower is in financial distress and the borrower’s loan terms are modified to provide the borrower a financial concession (e.g. lower payment) that would not otherwise be provided by another lender based upon borrower’s current financial condition. TDRs are separately identified for impairment disclosures and are measured at the present value of estimated future cash flows using the loan’s effective rate at inception. If a TDR is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral less cost to sell. For TDRs that subsequently default, the Company determines the amount of reserve in accordance with the accounting policy for the allowance for loan losses. If the present value of estimated cash flows under the modified terms of a TDR discounted at the original loan effective rate is less than the book value of the loan before the TDR, the excess is specifically allocated to the loan in the allowance for loan losses. Mortgage Servicing Rights. Mortgage servicing rights are recorded as separate assets on our consolidated balance sheets when the Company retains the right to service loans that we have sold. Mortgage Banking Derivatives. Commitments to fund mortgage loans (interest rate locks) to be sold into the secondary market and forward commitments for the future delivery of these mortgage loans are accounted for as free standing derivatives. Fair values of these mortgage derivatives are estimated based on changes in mortgage interest rates from the date the interest on the loan is locked. The Company enters into forward commitments for the future delivery of mortgage loans when interest rate locks are entered into, in order to hedge the change in interest rates resulting from its commitments to fund the loans. Changes in the fair values of these derivatives are included in mortgage banking income. Furniture, Equipment and Software . Fixed asset purchases in excess of five hundred dollars are capitalized and recorded at cost. Depreciation is computed using the straight-line method over the estimated useful lives of the assets, which are three to seven years. Leasehold improvements are amortized over the lesser of the assets’ useful lives or the lease term. Income Taxes . Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred income tax assets and liabilities are determined using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is determined based on the tax effects of the temporary differences between the book and tax bases of the various balance sheet assets and liabilities and gives current recognition to changes in tax rates and laws. The Company records a valuation allowance when management believes it is more likely than not that deferred tax assets will not be realized. An income tax position will be recognized as a benefit only if it is more likely than not that it will be sustained upon IRS examination, based upon its technical merits. Once that status is met, the amount recorded will be the largest amount of benefit that is greater than 50 percent likely of being realized upon ultimate settlement. The Company recognizes interest and/or penalties related to income tax matters in the income tax expense. Earnings per Share . Earnings per share (“EPS”) are presented under two formats: basic EPS and diluted EPS. Basic EPS is computed by dividing the net income attributable to common stock (net income after deducting dividends on preferred stock) by the sum of the weighted-average number of common shares outstanding during the year and the unvested average of restricted stock unit shares. Diluted EPS is computed by dividing the sum of net income attributable to common stock and dividends on diluted preferred stock by the sum of the weighted-average number of common shares outstanding during the year and the impact of dilutive potential common shares, such as stock options and convertible preferred stock. Stock-Based Compensation . Compensation cost is recognized for stock options and restricted stock awards issued to employees, based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate fair value of the stock options, while market price of the Company’s common stock at the date of grant is used for restricted stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. Federal Home Loan Bank (“FHLB”) stock . The Bank is a member of the FHLB system. Members are required to own a certain amount of FHLB stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Cash Surrender Value of Life Insurance . The Bank has purchased life insurance policies on certain key executives. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other amounts due that are probable at settlement. Loan Commitments and Related Financial Instruments . Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded. Comprehensive Income . Comprehensive income consists of net income and other comprehensive income. Other comprehensive income includes unrealized gains and losses on securities available-for-sale, which are also recognized as separate components of equity. Loss Contingencies . Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated. Management does not believe there are now such matters that will have a material effect on the financial statements. Dividend Restriction . Banking regulations require maintaining certain capital levels and may limit the dividends paid by the Bank to the holding company. Fair Value of Financial Instruments . Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 2. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect the estimates. Operating Segments . While the chief decision-makers monitor the revenue streams of the various products and services, operations are managed and financial performance is evaluated on a Company-wide basis. Accordingly, all of the financial service operations are considered by management to be aggregated in one reportable operating segment. New Accounting Pronouncements. In January 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2014-01, “Investments – Equity Method and Joint Ventures (Topic 323), Accounting for Investments in Qualified Affordable Housing Projects.” The amendments in ASU No. 2014-01 provide guidance on accounting for investments by a reporting entity in flow-through limited liability entities that manage or invest in affordable housing projects that qualify for a low-income housing tax credit. The amendments permit reporting entities to make an accounting policy election to account for their investments in qualified affordable housing projects using the proportional amortization method if certain conditions are met. The decision to apply the proportionate amortization method of accounting should be applied consistently to all qualifying affordable housing project investments. A reporting entity that uses the effective yield or other method to account for its investments in qualified affordable housing projects before the date of adoption may continue to apply such method to those preexisting investments. The amendments are effective for annual and interim periods, beginning after December 15, 2014. The Company adopted this accounting standard for the quarter ended March 31, 2015, with no material impact on its financial statements anticipated.

FAIR VALUE

FAIR VALUE	12 Months Ended
	Jun. 30, 2015
Fair Value Disclosures [Abstract]
FAIR VALUE	FAIR VALUE Fair value is defined as the price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. ASC Topic 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value: Level 1: Quoted prices in active markets for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2: Observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 2 assets include securities with quoted prices that are traded less frequently than exchange-traded instruments and whose value is determined using a pricing model with inputs that are observable in the market or can be derived principally from or corroborated by observable market data. Level 3: Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models such as discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair value requires significant management judgment or estimation. When available, the Company generally uses quoted market prices to determine fair value. In some cases where a market price is available, the Company will make use of acceptable practical expedients (such as matrix pricing) to calculate fair value, in which case the items are classified in Level 2. The Company considers relevant and observable market prices in its valuations where possible. The frequency of transactions, the size of the bid-ask spread and the nature of the participants are some of the factors the Company uses to help determine whether a market is active and orderly or inactive and not orderly. Price quotes based upon transactions that are not orderly are not considered to be determinative of fair value and are given little, if any, weight in measuring fair value. If quoted market prices are not available, fair value is based upon internally developed valuation techniques that use, where possible, current market-based or independently sourced market parameters, such as interest rates, credit spreads, housing value forecasts, etc. Items valued using such internally generated valuation techniques are classified according to the lowest level input or value driver that is significant to the valuation. Thus, an item may be classified in Level 3 even though there may be some significant inputs that are readily observable. The following section describes the valuation methodologies used by the Company to measure various financial instruments at fair value, including an indication of the level in the fair-value hierarchy in which each instrument is generally classified: Securities—trading . Trading securities are recorded at fair value. The trading portfolio consists of two different issues of floating-rate debt securities collateralized by pools of bank trust preferred securities. Liquidity and economic uncertainty have made the market for collateralized debt obligations less active or inactive. As quoted market prices are not available, the Level 3 fair values for these securities are determined by the Company utilizing industry-standard tools to calculate the net present value of the expected cash flows available to the securities from the underlying assets. The Company’s expected cash flows are calculated for each security and include the impact of actual and forecasted bank defaults within each collateral pool as well as structural features of the security’s tranche such as lock outs, subordination and over-collateralization. The forecast of underlying bank defaults in each pool is based upon a quarterly financial update including the trend in non-performing assets, the allowance for loan loss and the underlying bank’s capital ratios. Also a factor is the Company’s loan loss experience in the local economy in which the bank operates. At June 30, 2015 , the Company’s forecast of cash flows for both securities includes actual and forecasted defaults and deferrals totaling 24.5% of all banks in the collateral pools, compared to 21.3% of the banks actually in default as of June 30, 2015 . The expected cash flows reflect the Company’s best estimate of all pool losses which are then applied to the over-collateralization reserve and the subordinated tranches to determine the cash flows. The Company selects a discount rate margin based upon the spread between U.S. Treasury rates and the market rates for active credit grades for financial companies. The discount margin when added to the U.S. Treasury rate determines the discount rate, reflecting primarily market liquidity and interest rate risk since expected credit loss is included in the cash flows. At June 30, 2015 , the Company used a weighted average discount margin of 475 basis points above U.S. Treasury rates to calculate the net present value of the expected cash flows and the fair value of its trading securities. The Level 3 fair values determined by the Company for its trading securities rely heavily on management’s assumptions as to the future credit performance of the collateral banks, the impact of the global and regional economic factors, the timing of forecasted defaults and the discount rate applied to cash flows. The fair value of the trading securities at June 30, 2015 is sensitive to an increase or decrease in the discount rate. An increase in the discount margin of 100 basis points would have reduced the total fair value of the trading securities and decreased net income before income tax by $863 . A decrease in the discount margin of 100 basis points would have increased the total fair value of the trading securities and increased net income before income tax by $1,011 . Securities—available-for-sale and held-to-maturity . Available-for-sale securities are recorded at fair value and consist of residential mortgage-backed securities (“RMBS”) issued by U.S. agencies, RMBS issued by non-agencies, municipal securities as well as other debt securities. Held-to-maturity securities are recorded at amortized cost and consist of RMBS issued by U.S. agencies, RMBS issued by non-agencies, as well as municipal securities. Fair value for U.S. agency securities and municipal securities are generally based on quoted market prices of similar securities used to form a dealer quote or a pricing matrix. There continues to be significant illiquidity in the market for RMBS issued by non-agencies, impacting the availability and reliability of transparent pricing. As orderly quoted market prices are not available, the Level 3 fair values for these securities are determined by the Company utilizing industry-standard tools to calculate the net present value of the expected cash flows available to the securities from the underlying mortgage assets. The Company computes Level 3 fair values for each non-agency RMBS in the same manner (as described below) whether available-for-sale or held-to-maturity. To determine the performance of the underlying mortgage loan pools, the Company estimates prepayments, defaults, and loss severities based on a number of macroeconomic factors, including housing price changes, unemployment rates, interest rates and borrower attributes such as credit score and loan documentation at the time of origination. The Company inputs for each security a projection of monthly default rates, loss severity rates and voluntary prepayment rates for the underlying mortgages for the remaining life of the security to determine the expected cash flows. The projections of default rates are derived by the Company from the historic default rate observed in the pool of loans collateralizing the security, increased by and decreased by the forecasted increase or decrease in the national unemployment rate. The projections of loss severity rates are derived by the Company from the historic loss severity rate observed in the pool of loans, increased by or decreased by the forecasted increase or decrease in the national home price appreciation (“HPA”) index. The largest factors influencing the Company’s modeling of the monthly default rate are unemployment and HPA, as a strong correlation exists. The most updated unemployment rate reported in May 2015 was 5.5% . Consensus estimates for unemployment are that the rate will continue to decline. Going forward, the Company is projecting lower monthly default rates. The Company projects that severities will continue to improve. To determine the discount rates used to compute the present value of the expected cash flows for these non-agency RMBS securities, the Company separates the securities by the borrower characteristics in the underlying pool. Specifically, “prime” securities generally have borrowers with higher FICO scores and better documentation of income. “Alt-A” securities generally have borrowers with a lower FICO and less documentation of income. “Pay-option ARMs” are Alt-A securities with borrowers that tend to pay the least amount of principal (or increase their loan balance through negative amortization). The Company calculates separate discount rates for prime, Alt-A and Pay-option ARM non-agency RMBS securities using market-participant assumptions for risk, capital and return on equity. The range of annual default rates used in the Company’s projections at June 30, 2015 are from 1.5% up to 19.6% with prime securities tending toward the lower end of the range and Alt-A and Pay-option ARMs tending toward the higher end of the range. The range of loss severity rates applied to each default used in the Company’s projections at June 30, 2015 are from 15.0% up to 66.5% based upon individual bond historical performance. The default rates and the severities are projected for every non-agency RMBS security held by the Company and will vary monthly based upon the actual performance of the security and the macroeconomic factors discussed above. The Company applies its discount rates to the projected monthly cash flows, which already reflect the full impact of all forecasted losses using the assumptions described above. When calculating present value of the expected cash flows at June 30, 2015 , the Company computed its discount rates as a spread between 242 and 1749 basis points over the LIBOR Index using the LIBOR forward curve with prime securities tending toward the lower end of the range and Alt-A and Pay-option ARMs tending toward the higher end of the range. The Bank’s estimate of fair value for non-agency securities using Level 3 pricing is highly subjective and is based on the Bank’s estimate of voluntary prepayments, default rates, severities and discount margins, which are forecasted monthly over the remaining life of each security. Changes in one or more of these assumptions can cause a significant change in the estimated fair value. For further details see the table later in this note that summarizes quantitative information about level 3 fair value measurements. Loans Held for Sale. The fair value of mortgage loans held for sale is determined by pricing for comparable assets or by outstanding commitments from third party investors, resulting in a Level 2 classification. Impaired Loans . Impaired loans are loans which are inadequately protected by the current net worth and paying capacity of the borrowers or the collateral pledged. The accrual of interest income has been discontinued for impaired loans. The impaired loans are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. The Company assesses loans individually and identifies impairment when the loan is classified as impaired or has been restructured or management has serious doubts about the future collectibility of principal and interest, even though the loans may currently be performing. The fair value of an impaired loan is determined based on an observable market price or current appraised value of the underlying collateral. The fair value of impaired loans with specific write-offs or allocations of the allowance for loan losses are generally based on recent real estate appraisals or internal valuation analyses consistent with the methodology used in real estate appraisals and include other third-party valuations and analysis of cash flows. These appraisals and analyses are updated at least on an annual basis. The Company primarily obtains real estate appraisals and in the rare cases where an appraisal cannot be obtained, the Company performs an internal valuation analysis. These appraisals and analyses may utilize a single valuation approach or a combination of approaches including comparable sales and income approaches. The sales comparison approach uses at least three recent similar property sales to help determine the fair value of the property being appraised. The income approach is calculated by taking the net operating income generated by the collateral property of the rent collected and dividing it by an assumed capitalization rate. Adjustments are routinely made in the process by the appraisers to account for differences between the comparable sales and income data available. When measuring the fair value of the impaired loan based upon the projected sale of the underlying collateral, the Company subtracts the costs expected to be incurred for the transfer of the underlying collateral, which includes items such as sales commissions, delinquent taxes and insurance premiums. These adjustments to the estimated fair value of non-performing loans may result in increases or decreases to the provision for loan losses recorded in current earnings. Such adjustments are typically significant and result in a Level 3 classification for the inputs for determining fair value. Other Real Estate Owned . Non-recurring adjustments to certain commercial and residential real estate properties classified as other real estate owned (“OREO”) are measured at the lower of carrying amount or fair value, less costs to sell. Fair values are generally based on third party appraisals of the property, resulting in a Level 3 classification. In cases where the carrying amount exceeds the fair value, less costs to sell, an impairment loss is recognized. Mortgage Servicing Rights. The Company initially records all mortgage servicing rights (“MSRs”) at fair value and accounts for MSRs at fair value during the life of the MSR, with changes in fair value recorded through current period earnings. Fair value adjustments encompass market-driven valuation changes as well as modeled amortization involving the run-off of value that occurs due to the passage of time as individual loans are paid by borrowers. Market expectations about loan duration, and correspondingly the expected term of future servicing cash flows, may vary from time to time due to changes in expected prepayment activity, especially when interest rates rise or fall. Market expectations of increased loan prepayment speeds may negatively impact the fair value of the single family MSRs. Fair value is also dependent on the discount rate used in calculating present value, which is imputed from observable market activity and market participants and results in Level 3 classification. Management reviews and adjusts the discount rate on an ongoing basis. An increase in the discount rate would reduce the estimated fair value of the MSRs asset. Mortgage Banking Derivatives. Fair value for mortgage banking derivatives are either securities based upon prices in active markets for identical securities or based on quoted market prices of similar assets used to form a dealer quote or a pricing matrix, resulting in a Level 2 classification, or derivatives requiring unobservable inputs resulting in Level 3 classification. The Company’s valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management believes the Company’s valuation methodologies are appropriate and consistent with or, in some cases, more conservative than other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the relevant reporting date. The following table sets forth the Company’s financial assets and liabilities measured at fair value on a recurring basis. Assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement: June 30, 2015 (Dollars in thousands) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Total ASSETS: Securities—Trading: Collateralized Debt Obligations $ — $ — $ 7,832 $ 7,832 Securities—Available-for-Sale: Agency Debt — — — — Agency RMBS — 43,491 — 43,491 Non-Agency RMBS — — 26,633 26,633 Municipal — 22,035 — 22,035 Other Debt Securities — 71,202 — 71,202 Total—Securities—Available-for-Sale $ — $ 136,728 $ 26,633 $ 163,361 Loans Held for Sale $ — $ 25,430 $ — $ 25,430 Mortgage servicing rights $ — $ — $ 2,098 $ 2,098 Other assets—Derivative instruments $ — $ — $ 2,261 $ 2,261 LIABILITIES: Other liabilities—Derivative instruments $ — $ — $ — $ — June 30, 2014 (Dollars in thousands) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Total ASSETS: Securities—Trading: Collateralized Debt Obligations $ — $ — $ 8,066 $ 8,066 Securities—Available-for-Sale: Agency Debt — — — — Agency RMBS — 59,880 — 59,880 Non-Agency RMBS — — 37,409 37,409 Municipal — 28,943 — 28,943 Other Debt Securities — 88,546 — 88,546 Total—Securities—Available-for-Sale $ — $ 177,369 $ 37,409 $ 214,778 Loans Held for Sale $ — $ 20,575 $ — $ 20,575 Mortgage servicing rights $ — $ — $ 562 $ 562 Other assets—Derivative Instruments $ — $ — $ 1,364 $ 1,364 LIABILITIES: Other liabilities—Derivative instruments $ — $ — $ 489 $ 489 The following table presents additional information about assets measured at fair value on a recurring basis and for which the Company has utilized Level 3 inputs to determine fair value: Year Ended June 30, 2015 (Dollars in thousands) Securities- Securities- Mortgage Servicing Rights Derivative Instruments, net Total Assets: Opening Balance $ 8,066 $ 37,409 $ 562 $ 875 $ 46,912 Transfers into Level 3 — — — — — Transfers out of Level 3 — — — — — Total gains or losses for the period: Included in earnings—Fair value gain(loss) on trading securities (234 ) — — — (234 ) Included in earnings—Mortgage banking income — — (265 ) 1,386 1,121 Included in other comprehensive income — (1,325 ) — — (1,325 ) Purchases, issues, sales and settlements: — Purchases — — 1,801 — 1,801 Issues — — — — — Sales — — — — — Settlements — (8,518 ) — — (8,518 ) Other-than-temporary impairment — (933 ) — — (933 ) Closing balance $ 7,832 $ 26,633 $ 2,098 $ 2,261 $ 38,824 Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period $ (234 ) $ (1,325 ) $ (265 ) $ 1,386 $ (438 ) Year Ended June 30, 2014 (Dollars in thousands) Securities- Securities- Mortgage Servicing Rights Derivative Instruments, net Total Assets: Opening Balance $ 7,111 $ 49,284 $ — $ 2,222 $ 58,617 Transfers into Level 3 — — — — — Transfers out of Level 3 — — — — — Total gains or losses for the period: Included in earnings—Fair value gain(loss) on trading securities 955 — — — 955 Included in earnings—Mortgage banking income — — 45 (1,347 ) (1,302 ) Included in other comprehensive income — (125 ) — — (125 ) Purchases, issues, sales and settlements: — Purchases — — — — — Issues — — 529 — 529 Sales — — — — — Settlements — (11,534 ) (12 ) — (11,546 ) Other-than-temporary impairment — (216 ) — — (216 ) Closing balance $ 8,066 $ 37,409 $ 562 $ 875 $ 46,912 Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period $ 955 $ — $ 45 $ (1,347 ) $ (347 ) The table below summarizes the quantitative information about Level 3 fair value measurements at the periods indicated: June 30, 2015 (Dollars in thousands) Fair Value Valuation Technique Unobservable Inputs Range (Weighted Average) Securities – Trading $ 7,832 Discounted Cash Flow Total Projected Defaults, Discount Rate over Treasury 18.8 to 29.8% (24.6%) 4.8 to 4.8% (4.8%) Securities – Non-agency MBS $ 26,633 Discounted Cash Flow Projected Constant Prepayment Rate, Projected Constant Default Rate, Projected Loss Severity, Discount Rate over LIBOR 6.3 to 29.5% (13.0%) 1.5 to 19.6% (5.6%) 37.6 to 66.5% (51.1%) 2.4 to 3.0% (2.9%) Mortgage Servicing Rights $ 2,098 Discounted Cash Flow Projected Constant Prepayment Rate, Life (in years), Discount Rate 4.4 to 19.2% (7.7%) 4.3 to 8.3 (7.4) 9.5 to 10.5% (9.7%) Derivative Instruments $ 2,261 Sales Comparison Approach Projected Sales Profit of Underlying Loans 0.5 to 1.3% (0.8%) June 30, 2014 (Dollars in thousands) Fair Value Valuation Technique Unobservable Inputs Range (Weighted Average) Securities – Trading $ 8,066 Discounted Cash Flow Total Projected Defaults, Discount Rate over Treasury 19.0 to 26.6% (23.1%) 4.0 to 4.0% (4.0%) Securities – Non-agency MBS $ 37,409 Discounted Cash Flow Projected Constant Prepayment Rate, 0.1 to 27.8% (10.0%) 0.0 to 21.7% (5.6%) 1.6 to 87.9% (61.7%) 2.5 to 8.4% (5.2%) Mortgage Servicing Rights $ 562 Discounted Cash Flow Projected Constant Prepayment Rate, 5.6 to 7.4% (7.4%) Derivative Instruments $ 875 Sales Comparison Approach Projected Sales Profit of Underlying Loans 0.5 to 1.5% The significant unobservable inputs used in the fair value measurement of the Company’s residential mortgage-backed securities are projected prepayment rates, probability of default, and projected loss severity in the event of default. Significant increases (decreases) in any of those inputs in isolation would result in a significantly lower (higher) fair value measurement. Generally, a change in the assumption used for the probability of default is accompanied by a directionally similar change in the assumption used for the projected loss severity and a directionally opposite change in the assumption used for projected prepayment rates. The table below summarizes changes in unrealized gains and losses and interest income recorded in earnings for Level 3 trading assets and liabilities that are still held at the periods indicated: Year Ended June 30, (Dollars in thousands) 2015 2014 2013 Interest income on investments $ 223 $ 230 $ 253 Fair value adjustment (234 ) 955 1,274 Total $ (11 ) $ 1,185 $ 1,527 The table below summarizes the fair value of assets measured for impairment on a non-recurring basis: June 30, 2015 (Dollars in thousands) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Balance Impaired Loans: Single family real estate secured: Mortgage $ — $ — $ 23,059 $ 23,059 Home equity — — 9 9 Multifamily real estate secured — — 5,399 5,399 Commercial real estate secured — — 2,128 2,128 Auto and RV secured — — 453 453 Total $ — $ — $ 31,048 $ 31,048 Other real estate owned and foreclosed assets: Single family real estate secured $ — $ — $ 463 $ 463 Multifamily real estate secured — — 762 762 Auto and RV secured — — 15 15 Total $ — $ — $ 1,240 $ 1,240 HTM Securities-Non Agency MBS $ — $ — $ 88,094 $ 88,094 June 30, 2014 (Dollars in thousands) Quoted Prices in Significant Other Significant Balance Impaired Loans: Single family real estate secured: Mortgage $ — $ — $ 13,385 $ 13,385 Home equity — — 168 168 Multifamily real estate secured — — 4,301 4,301 Commercial real estate secured — — 4,376 4,376 Auto and RV secured — — 534 534 Total $ — $ — $ 22,764 $ 22,764 Other real estate owned and foreclosed assets: Single family real estate secured $ — $ — $ — $ — Multifamily real estate secured — — — — Auto and RV secured — — 75 75 Total $ — $ — $ 75 $ 75 HTM Securities-Non Agency MBS $ — $ — $ 91,297 $ 91,297 Impaired loans measured for impairment on a non-recurring basis using the fair value of the collateral for collateral-dependent loans have a carrying amount of $31,048 at June 30, 2015 and life to date charge-offs of $6,010 . Impaired loans had a related allowance of $273 at June 30, 2015 . At June 30, 2014 , such impaired loans had a carrying amount of $22,764 and life to date charge-offs of $5,387 , and a related allowance of $77 . Other real estate owned and foreclosed assets, which are measured at the lower of carrying value or fair value less costs to sell, had a net carrying amount of $1,240 after charge-offs of $0 at June 30, 2015 . Our other real estate owned and foreclosed assets had a net carrying amount was $75 after charge-offs of $0 during the year ended June 30, 2014 . Held-to-maturity securities measured for impairment on a non-recurring basis have a carrying amount of $85,579 at June 30, 2015 , after charges to income of $1,432 and other comprehensive income of $2,836 during the fiscal year ended June 30, 2015 . At June 30, 2014 held-to-maturity securities measured for impairment on a non-recurring basis had a carrying amount of $112,651 after charges to income of $2,586 and charges to other comprehensive income of $633 during the fiscal year ended June 30, 2014 . These held-to-maturity securities are valued using Level 3 inputs. The Company has elected the fair value option for Agency loans held for sale. These loans are intended for sale and the Company believes that the fair value is the best indicator of the resolution of these loans. Interest income is recorded based on the contractual terms of the loan and in accordance with the Company’s policy on loans held for investment. None of these loans are 90 days or more past due nor on non-accrual as of June 30, 2015 and June 30, 2014 . The aggregate fair value, contractual balance (including accrued interest), and gain was as follows: At June 30, (Dollars in thousands) 2015 2014 2013 Aggregate fair value $ 25,430 $ 20,575 $ 36,665 Contractual balance 24,886 20,138 36,070 Gain $ 544 $ 437 $ 595 The total amount of gains and losses from changes in fair value included in earnings for the period indicated below for loans held for sale were: At June 30, (Dollars in thousands) 2015 2014 2013 Interest income $ 671 $ 545 $ 1,314 Change in fair value 1,505 (1,526 ) 353 Total change in fair value $ 2,176 $ (981 ) $ 1,667 The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at the periods indicated: June 30, 2015 (Dollars in thousands) Fair Value Valuation Technique Unobservable Input Range (Weighted Average) 1 Impaired Loans: Single family real estate secured: Mortgage $ 23,059 Sales comparison approach Adjustment for differences between the comparable sales -52.5 to 53.7% (3.9%) Home equity $ 9 Sales comparison approach Adjustment for differences between the comparable sales -9.7 to 5.5% (-2.1%) Multifamily real estate secured $ 5,399 Sales comparison approach and income approach Adjustment for differences between the comparable sales and adjustments for differences in net operating income expectations, capitalization rate -73.4 to 80.6% (-8.3%) Commercial real estate secured $ 2,128 Sales comparison approach and income approach Adjustment for differences between the comparable sales and adjustments for differences in net operating income expectations, capitalization rate -66.5 to 81.1% (-10.3%) Auto and RV secured $ 453 Sales comparison approach Adjustment for differences between the comparable sales 0.0 to 66.2% (10.8%) Other real estate owned and foreclosed assets: Single family real estate secured: Mortgage $ 463 Sales comparison approach Adjustment for differences between the comparable sales -20.3 to 12.1% (-4.1%) Multifamily real estate secured $ 762 Sales comparison approach and income approach Adjustment for differences between the comparable sales and adjustments for differences in net operating income expectations, Capitalization rate -37.1 to 48.6% (5.7%) Auto and RV secured $ 15 Sales comparison approach Adjustment for differences between the comparable sales 0.0 to 20.7% (10.3%) HTM Securities – Non-agency MBS $ 88,094 Discounted cash flow Projected Constant Prepayment Rate, Projected Constant Default Rate, Projected Loss Severity, Discount Rate over LIBOR 5.0 to 43.8% (10.5%) 1.5 to 14.6% (6.7%) 15.0 to 65.5% (54.4%) 3.0 to 6.9% (5.8%) _____________________ 1 For impaired loans and other real estate owned the ranges shown may vary positively or negatively based on the comparable sales reported in the current appraisal. In certain instances, the range can be significant due to small sample sizes and in some cases the property being valued having limited comparable sales with similar characteristics at the time the current appraisal is conducted. June 30, 2014 (Dollars in thousands) Fair Value Valuation Technique Unobservable Input Range (Weighted Average) 1 Impaired Loans: Single family real estate secured: Mortgage $ 13,385 Sales comparison approach Adjustment for differences between the comparable sales -28.7 to 35.1% (1.3%) Home equity $ 168 Sales comparison approach Adjustment for differences between the comparable sales -20.0 to 42.7% (10.1%) Multifamily real estate secured $ 4,301 Sales comparison approach and income approach Adjustment for differences between the comparable sales and adjustments for differences in net operating income expectations, capitalization rate -43.3 to 65.0% (13.1%) Commercial real estate secured $ 4,376 Sales comparison approach and income approach Adjustment for differences between the comparable sales and adjustments for differences in net operating income expectations, capitalization rate -84.1 to 82.4% (-22.1%) Auto and RV secured $ 534 Sales comparison approach Adjustment for differences between the comparable sales 0.0 to 27.4% (10.3%) Other real estate owned and foreclosed assets: Single family real estate secured: Auto and RV secured $ 75 Sales comparison approach Adjustment for differences between the comparable sales -84.0 to 41.3% (-32.8%) HTM Securities – Non-agency MBS $ 91,297 Discounted cash flow Projected Constant Prepayment Rate, 0.1 to 16.3% (10.2%) _____________________ 1 For impaired loans and other real estate owned the ranges shown may vary positively or negatively based on the comparable sales reported in the current appraisal. In certain instances, the range can be significant due to small sample sizes and in some cases the property being valued having limited comparable sales with similar characteristics at the time the current appraisal is conducted. FAIR VALUE OF FINANCIAL INSTRUMENTS The carrying amount and estimated fair values of financial instruments at year-end were as follows: June 30, 2015 (Dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Fair Value Financial assets: Cash and cash equivalents $ 222,874 $ 222,874 $ — $ — $ 222,874 Securities trading 7,832 — — 7,832 7,832 Securities available-for-sale 163,361 — 136,728 26,633 163,361 Securities held-to-maturity 225,555 — 83,441 144,882 228,323 Loans held for sale, at fair value 25,430 — 25,430 — 25,430 Loans held for sale, at lower of cost or fair value 77,891 — — 77,932 77,932 Loans held for investment—net 4,928,618 — — 5,011,596 5,011,596 Accrued interest receivable 20,268 — — 20,268 20,268 Mortgage servicing rights 2,098 — — 2,098 2,098 Financial liabilities: Time deposits and savings 4,451,917 — 4,385,034 — 4,385,034 Securities sold under agreements to repurchase 35,000 — 37,489 — 37,489 Advances from the Federal Home Loan Bank 753,000 — 757,265 — 757,265 Subordinated debentures 5,155 — 5,155 — 5,155 Accrued interest payable 1,266 — 1,266 — 1,266 June 30, 2014 (Dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Fair Value Financial assets: Cash and cash equivalents $ 155,584 $ 155,584 $ — $

SECURITIES

SECURITIES	12 Months Ended
	Jun. 30, 2015
Investments, Debt and Equity Securities [Abstract]
SECURITIES	SECURITIES The amortized cost, carrying amount and fair value for the major categories of securities trading, available-for-sale, and held-to-maturity for the following periods were: June 30, 2015 Trading Available-for-sale Held-to-maturity (Dollars in thousands) Fair Value Amortized Cost Unrealized Gains Unrealized Losses Fair Value Carrying Amount Unrecognized Gains Unrecognized Losses Fair Value Mortgage-backed securities (RMBS): U.S agencies 1 $ — $ 43,738 $ 701 $ (948 ) $ 43,491 $ 41,993 $ 1,398 $ — $ 43,391 Non-agency 2 — 23,799 2,835 (1 ) 26,633 147,586 10,045 (12,749 ) 144,882 Total mortgage-backed securities — 67,537 3,536 (949 ) 70,124 189,579 11,443 (12,749 ) 188,273 Other debt securities: U.S. agencies 1 — — — — — — — — — Municipal — 21,731 390 (86 ) 22,035 35,976 4,074 — 40,050 Non-agency 7,832 70,216 1,271 (285 ) 71,202 — — — — Total other debt securities 7,832 91,947 1,661 (371 ) 93,237 35,976 4,074 — 40,050 Total debt securities $ 7,832 $ 159,484 $ 5,197 $ (1,320 ) $ 163,361 $ 225,555 $ 15,517 $ (12,749 ) $ 228,323 June 30, 2014 Trading Available-for-sale Held-to-maturity (Dollars in thousands) Fair Value Amortized Cost Unrealized Gains Unrealized Losses Fair Value Carrying Amount Unrecognized Gains Unrecognized Losses Fair Value Mortgage-backed securities (RMBS): U.S. agencies 1 $ — $ 60,670 $ 1,060 $ (1,850 ) $ 59,880 $ 47,982 $ 1,895 $ — $ 49,877 Non-agency 2 — 33,521 4,077 (189 ) 37,409 163,695 6,352 (15,490 ) 154,557 Total mortgage-backed securities — 94,191 5,137 (2,039 ) 97,289 211,677 8,247 (15,490 ) 204,434 Other debt securities: U.S. agencies 1 — — — — — — — — — Municipal — 28,522 425 (4 ) 28,943 36,052 3,480 — 39,532 Non-agency 8,066 87,913 687 (54 ) 88,546 — — — — Total other debt securities 8,066 116,435 1,112 (58 ) 117,489 36,052 3,480 — 39,532 Total debt securities $ 8,066 $ 210,626 $ 6,249 $ (2,097 ) $ 214,778 $ 247,729 $ 11,727 $ (15,490 ) $ 243,966 1 U.S. government-backed or government sponsored enterprises including Fannie Mae, Freddie Mac and Ginnie Mae. 2 Private sponsors of securities collateralized primarily by pools of 1-4 family residential first mortgages. Primarily super senior securities secured by prime, Alt-A or pay-option ARM mortgages. The Company’s non-agency RMBS available-for-sale portfolio with a total fair value of $26,633 at June 30, 2015 consists of twenty-one different issues of super senior securities with a fair value of $17,455 ; one senior structured whole loan security with a fair value of $8,974 and three mezzanine z-tranche securities, negative-amortizing support tranches, with a fair value of $204 collateralized by seasoned prime and Alt-A first-lien mortgages. The Company acquired its mezzanine z-tranche securities in fiscal 2010 and accounts for them by measuring the excess of cash flows expected at acquisition over the purchase price (accretable yield) and recognizes interest income over the remaining life of the security. The non-agency RMBS held-to-maturity portfolio with a carrying value of $147,586 at June 30, 2015 consists of seventy-seven different issues of super senior securities totaling $145,419 and one senior-support security with a carrying value of $2,167 . Debt securities with evidence of credit quality deterioration since issuance and for which it is probable at purchase that the Company will be unable to collect all of the par value of the security are accounted for under ASC Topic 310-30, Accounting for Certain Loans or Debt Securities Acquired in a Transfer. Under ASC Topic 310-30, the excess of cash flows expected at acquisition over the purchase price is referred to as the accretable yield and is recognized in interest income over the remaining life of the security. The Company has one senior support security that it acquired at a significant discount that evidenced credit deterioration at acquisition and is accounted for under ASC Topic 310. For a cost of $17,740 , the Company acquired the senior support security with a contractual par value of $30,560 and accretable and non-accretable discounts that were projected to be $9,015 and $3,805 , respectively. Since acquisition, repayments from the security have been received more rapidly than projected at acquisition, but expected total payments have declined, resulting in a determination that the security was other-than-temporarily impaired. The security realized an other-than temporary loss of $0 in fiscal 2015 and $572 in 2014 . At June 30, 2015 , the security had a remaining contractual par value of zero and amortizable and non-amortizable premium are currently projected to be zero and $2,472 , respectively. The current face amounts of debt securities available-for-sale and held-to-maturity that were pledged to secure borrowings at June 30, 2015 and 2014 were $39,014 and $67,605 respectively. The securities with unrealized losses, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position were as follows: June 30, 2015 Available-for-sale securities in loss position for Held-to-maturity securities in loss position for Less Than 12 Months More Than 12 Months Total Less Than 12 Months More Than 12 Months Total (Dollars in thousands) Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses RMBS: U.S. agencies $ 369 $ (2 ) $ 24,974 $ (946 ) $ 25,343 $ (948 ) $ — $ — $ — $ — $ — $ — Non-agency 1,275 (1 ) — — 1,275 (1 ) 23,450 (1,802 ) 67,090 (10,947 ) 90,540 (12,749 ) Total RMBS securities 1,644 (3 ) 24,974 (946 ) 26,618 (949 ) 23,450 (1,802 ) 67,090 (10,947 ) 90,540 (12,749 ) Other debt: U.S. agencies — — — — — — — — — — — — Municipal debt 1,358 (86 ) — — 1,358 (86 ) — — — — — — Non-agency 19,100 (285 ) — — 19,100 (285 ) — — — — — — Total other debt 20,458 (371 ) — — 20,458 (371 ) — — — — — — Total debt securities $ 22,102 $ (374 ) $ 24,974 $ (946 ) $ 47,076 $ (1,320 ) $ 23,450 $ (1,802 ) $ 67,090 $ (10,947 ) $ 90,540 $ (12,749 ) June 30, 2014 Available-for-sale securities in loss position for Held-to-maturity securities in loss position for Less Than 12 Months More Than 12 Months Total Less Than 12 Months More Than 12 Months Total (Dollars in thousands) Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses RMBS: U.S. agencies $ — $ — $ 25,498 $ (1,850 ) $ 25,498 $ (1,850 ) $ — $ — $ 1 $ — $ 1 $ — Non-agency 1,819 (33 ) 2,402 (157 ) 4,221 (190 ) 5,871 (400 ) 66,974 (15,090 ) 72,845 (15,490 ) Total RMBS securities 1,819 (33 ) 27,900 (2,007 ) 29,719 (2,040 ) 5,871 (400 ) 66,975 (15,090 ) 72,846 (15,490 ) Other debt: Municipal debt 47 — 2,257 (3 ) 2,304 (3 ) — — — — — — Non-agency 5,365 (48 ) 1,389 (6 ) 6,754 (54 ) — — — — — — Total other debt 5,412 (48 ) 3,646 (9 ) 9,058 (57 ) — — — — — — Total debt securities $ 7,231 $ (81 ) $ 31,546 $ (2,016 ) $ 38,777 $ (2,097 ) $ 5,871 $ (400 ) $ 66,975 $ (15,090 ) $ 72,846 $ (15,490 ) There were thirty-two securities that were in a continuous loss position at June 30, 2015 for a period of more than 12 months. There were thirty-five securities that were in a continuous loss position at June 30, 2014 for a period of more than 12 months. The following table summarizes amounts of anticipated credit loss recognized in the income statement through other-than-temporary impairment charges, which reduced non-interest income: At June 30, (Dollars in thousands) 2015 2014 2013 Beginning balance $ (18,138 ) $ (15,336 ) $ (11,835 ) Additions for the amounts related to the credit loss for which an other-than-temporary impairment was not previously recognized (742 ) (206 ) (323 ) Increases to the amount related to the credit loss for which other-than-temporary impairment was previously recognized (1,623 ) (2,596 ) (3,178 ) Ending balance $ (20,503 ) $ (18,138 ) $ (15,336 ) At June 30, 2015 , fifty-one non-agency RMBS with a total carrying amount of $97,937 were determined to have cumulative credit losses of $20,503 of which $3,501 was recognized in earnings during fiscal 2013 , $2,802 was recognized in earnings during fiscal 2014 and $2,365 was recognized in earnings during fiscal 2015 . This year’s other-than-temporary impairment of $2,365 is related to twenty non-agency RMBS with a total carrying amount of $29,907 . The Company measures its non-agency RMBS in an unrealized loss position at the end of the reporting period for other-than-temporary impairment by comparing the present value of the cash flows currently expected to be collected from the security with its amortized cost basis. If the calculated present value is lower than the amortized cost, the difference is the credit component of other-than-temporary impairment of its debt securities. The excess of present value over the fair value of the security, if any, is the noncredit component of the other-than-temporary impairment. If the Company does not intend to sell the security and will not be required to sell the security before recovery of its amortized cost basis, the credit component of other-than-temporary impairment is recorded as a loss in earnings and the noncredit component of other-than-temporary impairment is recorded in comprehensive income, net of the related income tax benefit. If the Company does not intend to hold the security, or will be required to sell the security prior to a recovery of the amortized cost basis of the security, the credit component and noncredit component of the other-than-temporary impairment is recorded as a loss in earnings. To determine the cash flow expected to be collected and to calculate the present value for purposes of testing for other-than-temporary impairment, the Company utilizes the same industry-standard tool and the same cash flows as those calculated for Level 3 fair values as discussed in Note 2 – Fair Value. The discount rates used to compute the present value of the expected cash flows for purposes of testing for the credit component of the other-than-temporary impairment are either the implicit rate calculated in each of the Company’s securities at acquisition or the last accounting yield. The Company calculates the implicit rate at acquisition based on the contractual terms of the security, considering scheduled payments (and minimum payments in the case of pay-option ARMs) without prepayment assumptions. Once the discount rate (or discount margin in the case of floating rate securities) is calculated as described above, the discount is used in the industry-standard model to calculate the present value of the cash flows. During the current fiscal year ended June 30, 2015 , the company sold two available-for-sale securities with a carrying value of $8,952 resulting in a $587 gain. The gross gains and losses realized through earnings upon the sale of available-for-sale securities were as follows: At June 30, (Dollars in thousands) 2015 2014 2013 Proceeds $ 9,614 $ 3,723 $ 2,775 Gross realized gains $ 587 $ — $ 420 Net gain on securities $ 587 $ — $ 420 The Company records unrealized gains and unrealized losses in accumulated other comprehensive loss as follows: At June 30, (Dollars in thousands) 2015 2014 Available-for-sale debt securities—net unrealized gains $ 3,877 $ 4,151 Available-for-sale debt securities—non-credit related (271 ) — Held-to-maturity debt securities—non-credit related (18,597 ) (21,433 ) Subtotal (14,991 ) (17,282 ) Tax benefit 5,592 6,916 Net unrealized loss on investment securities in accumulated other comprehensive loss $ (9,399 ) $ (10,366 ) The expected maturity distribution of the Company’s mortgage-backed securities and the contractual maturity distribution of the Company’s other debt securities classified as available-for-sale and held-to-maturity were: June 30, 2015 Available-for-sale Held-to-maturity Trading (Dollars in thousands) Amortized Cost Fair Value Carrying Amount Fair Value Fair Value RMBS—U.S. agencies 1 : Due within one year $ 4,338 $ 4,243 $ 1,371 $ 1,430 $ — Due one to five years 13,270 13,043 5,299 5,534 — Due five to ten years 10,508 10,439 6,123 6,388 — Due after ten years 15,622 15,766 29,200 30,039 — Total RMBS—U.S. agencies 1 43,738 43,491 41,993 43,391 — RMBS—Non-agency: Due within one year 5,119 5,505 23,553 23,344 — Due one to five years 10,729 11,751 44,775 44,317 — Due five to ten years 3,338 3,882 38,110 37,050 — Due after ten years 4,613 5,495 41,148 40,171 — Total RMBS—Non-agency 23,799 26,633 147,586 144,882 — Other debt: Due within one year 11,269 11,362 971 1,075 — Due one to five years 62,060 63,083 4,507 4,995 — Due five to ten years 11,046 11,124 7,075 7,848 — Due after ten years 7,572 7,668 23,423 26,132 7,832 Total other debt 91,947 93,237 35,976 40,050 7,832 Total $ 159,484 $ 163,361 $ 225,555 $ 228,323 $ 7,832 1 Residential mortgage-backed security (RMBS) distributions include impact of expected prepayments and other timing factors.

LOANS & ALLOWANCE FOR LOAN LOSS

LOANS & ALLOWANCE FOR LOAN LOSSES	12 Months Ended
	Jun. 30, 2015
Receivables [Abstract]
LOANS & ALLOWANCE FOR LOAN LOSS	LOANS & ALLOWANCE FOR LOAN LOSSES For the Company’s single family, commercial and multifamily loans, the allowance methodology takes into consideration the risk that the original borrower information may have adversely changed in two ways. First, in calculating the quantitative factor for the Company’s general loan loss allowance, the actual loss experience is tracked and stratified by original LTV and year of origination. As a result, the Company uses relatively higher loss rates across the LTV bands for loans originated and purchased in years 2005 through 2008 compared to the same LTV ranges for loans originated before 2005 or after 2008. Second, the Company uses a number of qualitative factors to reflect additional risk. One qualitative loss factor is real estate valuation risk which is applied to each LTV band primarily based upon the year the real estate loan was originated or purchased. Based upon price appreciation indices, multifamily property values in years 2005 through 2008 experienced significant declines. As a result, the Company applies a relatively higher qualitative loss factor rate across the LTV bands for loans originated and purchased in years 2005 through 2008 compared to the same LTV ranges for loans originated or purchased before 2005 or after 2008. For the Company’s home equity loans, the allowance methodology takes into consideration the risk that the original borrower information may have adversely changed in two ways. First, in calculating the quantitative factor for the Company’s general loan loss allowance, the actual loss experience is tracked and stratified by original combined LTV (“CLTV”) of the first and second liens. As a result, the Company allocates higher loss rates in proportion to the greater the CLTV. Second, the Company uses a number of qualitative factors to reflect additional risk. The Company does not have any individual purchased home equity loans in its portfolio and given the limited time frame under which the Company originated home equity loans, 2006-2009, no additional risk allocation is used. For the Company’s single family – warehouse lines, the allowance methodology takes into consideration the structure of these loans, as they remain in the portfolio for a short period (usually less than a month) and have higher credit protection allocated compared to traditional single family originations. A matrix was created to reflect most current operating levels of capital and line usage, which calculates a loss rating to assign to each originator. The Company will continue to monitor these loans and the allocated allowance as more historical information is obtained. For the Company’s factoring loans, the allowance methodology takes into consideration the credit quality of the insurance company or state securing the loan. The Company obtains credit ratings for these entities through agencies such as AM Best and allocates an allowance allocation based on these ratings. The Company will continue to monitor these loans and the allocated allowance as more historical information is obtained. For the Company’s C&I leveraged loans and bridge loans, the allowance methodology incorporates a loan level grading system and risk adjusters. Industry loss rates are applied to determine the loss allowance for each of these loans based upon their internal grading. The loss rate is then subject to risk adjustments increasing or decreasing the base loss rate depending upon the health of the borrower’s industry, the size of the company, or in the case of bridge loans, based upon the income generated by the property and the strength of the guarantor. For the Company’s recreational vehicle (“RV”) / auto loan portfolio, the allowance methodology takes into consideration potential adverse changes to the borrower’s financial condition since time of origination. The general loan loss reserves for RV / auto are stratified based upon borrower FICO scores. First, to account for potential deterioration of borrower’s credit history since time of origination, due to downturn in the economy or other factors, the Company refreshes the FICO scores used to drive the allowance on a semi-annual basis. The Company believes that current borrower credit history is a better predictor of potential loss than that was used at time of origination. Second, the Company uses a number of qualitative factors to reflect additional risk. The following table sets forth the composition of the loan portfolio as of the dates indicated: At June 30, (Dollars in thousands) 2015 2014 Single family real estate secured: Mortgage $ 2,980,795 $ 1,918,626 Home equity 3,604 12,690 Warehouse and other 1 385,413 370,717 Multifamily real estate secured 1,185,531 978,511 Commercial real estate secured 61,403 24,061 Auto and RV secured 13,140 14,740 Factoring 122,200 118,945 Commercial & Industrial 248,584 152,619 Other 601 1,971 Total gross loans 5,001,271 3,592,880 Allowance for loan losses (28,327 ) (18,373 ) Unaccreted discounts and loan fees (44,326 ) (41,666 ) Total net loans $ 4,928,618 $ 3,532,841 _______________________________________ 1. The balance of single family warehouse loans was $122,003 at June 30, 2015 and $92,920 at June 30, 2014 . The remainder of the balance was attributable to single family lender finance loans. The following table summarizes activity in the allowance for loan losses for the periods indicated: At June 30, (Dollars in thousands) 2015 2014 2013 Balance—beginning of period $ 18,373 $ 14,182 $ 9,636 Provision for loan loss 11,200 5,350 7,550 Charged off (1,561 ) (1,591 ) (3,907 ) Recoveries 315 432 903 Balance—end of period $ 28,327 $ 18,373 $ 14,182 The following table summarizes the composition of the impaired loans: At June 30, (Dollars in thousands) 2015 2014 2013 Non-performing loans—90+ days past due plus other non-accrual loans $ 25,873 $ 16,390 $ 13,020 Troubled debt restructured loans—non-accrual 4,958 3,995 5,283 Troubled debt restructured loans—performing 217 2,379 3,538 Total impaired loans $ 31,048 $ 22,764 $ 21,841 At June 30, 2015 , the carrying value of impaired loans is net of write offs of $4,652 . At June 30, 2015 , $31,048 of impaired loans had no specific allowance allocations. The average carrying value of impaired loans was $29,967 and $20,850 for the fiscal years ended June 30, 2015 and 2014 , respectively. The interest income recognized during the periods of impairment is insignificant for those loans impaired at June 30, 2015 or 2014 . At June 30, 2015 and 2014 , there were no loans still accruing past due 90 days or more, unless the Company received principal and interest from the servicer despite the borrower’s delinquency. The Company considers the servicer’s recovery of such advances in evaluating whether such loans should continue to accrue. A loan is considered impaired when, based on current information and events, it is probable that we will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors that we consider in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Impairment is measured on a loan-by-loan basis by either the present value of expected future cash flows discounted at the loan’s effective interest rate or the fair value of the collateral if repayment of the loan is expected from the sale of collateral. The Company has allocated $2 and $4 of the allowance to customers whose loans have been restructured and were determined to be TDRs as of June 30, 2015 and 2014 , respectively. The Company does not have any commitments to fund TDR loans at June 30, 2015 . At June 30, 2015 and 2014 , approximately 66.36% and 61.65% , respectively, of the Company’s real estate loans are collateralized by real property located in California and therefore exposed to economic conditions within this market region. In the ordinary course of business, the Company has granted related party loans collateralized by real property to principal officers, directors and their affiliates. There were no new related party loans granted during the fiscal year ended June 30, 2015 . During the fiscal year 2014 , the Company originated two new related party loans in the amount of $1,585 and did not execute any interest rate modifications of existing loans. Total principal payments on related party loans were $325 and $296 during the years ended June 30, 2015 and 2014 , respectively. At June 30, 2015 and 2014 , these loans amounted to $10,543 and $10,868 , respectively, and are included in loans held for investment. Interest earned on these loans was $111 and $141 during the years ended June 30, 2015 and 2014 , respectively. The Company’s loan portfolio consists of approximately 11.74% fixed interest rate loans and 88.26% adjustable interest rate loans as of June 30, 2015 . The Company’s adjustable rate loans are generally based upon indices using U.S. Treasuries, London Interbank Offered Rate (“LIBOR”), and 11th District cost of funds. At June 30, 2015 and 2014 , purchased loans serviced by others were $132,976 or 2.66% and $150,786 or 4.20% respectively, of the loan portfolio. Allowance for Loan Loss . We are committed to maintaining the allowance for loan losses at a level that is considered to be commensurate with estimated probable incurred credit losses in the portfolio. Although the adequacy of the allowance is reviewed quarterly, management performs an ongoing assessment of the risks inherent in the portfolio. While the Company believes that the allowance for loan losses is adequate at June 30, 2015 , future additions to the allowance will be subject to continuing evaluation of estimated and known, as well as inherent, risks in the loan portfolio. Allowance for Credit Loss Disclosures . The assessment of the adequacy of the Company’s allowance for loan losses is based upon a number of quantitative and qualitative factors, including levels and trends of past due and nonaccrual loans, changes in the volume and mix of loans, collateral values and charge-off history. The allowance for loan loss for the RV and auto loan portfolio at June 30, 2015 was determined by classifying each outstanding loan according to the original FICO score and providing loss rates. The Company had $12,687 of RV and auto loan balances subject to general reserves as follows: FICO score greater than or equal to 770: $2,882 ; 715 – 769: $4,408 ; 700 – 714: $1,150 ; 660 – 699: $2,323 and less than 660: $1,924 . The Company provides general loan loss reserves for mortgage loans based upon the size and class of the mortgage loan and the LTV at date of origination. The allowance for each class is determined by dividing the outstanding unpaid balance for each loan by the LTV and applying a loss rate. At June 30, 2015 , the LTV groupings for each significant mortgage class were as follows: The Company had $2,957,736 of single family mortgage portfolio loan balances subject to general reserves as follows: LTV less than or equal to 60%: $1,606,203 ; 61% – 70%: $1,111,742 ; 71% – 80%: $239,584 and greater than 80%: $207 . The Company had $1,180,132 of multifamily mortgage portfolio loan balances subject to general reserves as follows: LTV less than or equal to 55%: $533,292 ; 56% – 65%: $367,910 ; 66% – 75%: $263,766 ; 76% – 80%: $15,164 and greater than 80%: $0 . Based on historical performance, the Company divides the LTV analysis into two classes, separating purchased loans from the loans underwritten directly by the Company since multifamily loans originated by the Company experience lower estimated loss rates. The Company originates and purchases mortgage loans with terms that may include repayments that are less than the repayments for fully amortizing loans, including interest only loans, option adjustable-rate mortgages, and other loan types that permit payments that may be smaller than interest accruals. The Companies lending guidelines for interest only loans are adjusted for the increased credit risk associated with these loans by requiring borrowers with such loans to borrow at LTVs that are lower than standard amortizing ARM loans and by calculating debt to income ratios for qualifying borrowers based upon a fully amortizing payment, not the interest only payment. The Company’s Credit Committee monitors and performs reviews of interest only loans. Adverse trends reflected in the Company’s delinquency statistics, grading and classification of interest only loans would be reported to management and the Board of Directors. As of June 30, 2015 , the Company had $700.3 million of interest only loans and $4.0 million of option adjustable-rate mortgage loans. Through June 30, 2015 , the net amount of deferred interest on these loan types was not material to the financial position or operating results of the Company. The Company provides general loan loss reserves for its RV and automobile loans based upon the borrower’s credit score at the time of origination and the Company’s loss experience to date. The Company obtains updated credit scores for its RV and auto borrowers approximately every six months . The updated credit score will result in a higher or lower general loan loss allowance depending on the change in borrowers’ FICO scores and the resulting shift in loan balances among the five FICO bands from which the Company measures and calculates its reserves. For the general loss reserve, the Company does not use individually updated credit scores or valuations for the real estate collateralizing its real estate loans, but does recalculate the LTV based upon principal payments made during each quarter. The Company had $59,275 of commercial real estate loan balances subject to general reserves as follows: LTV less than or equal to 50%: $22,111 ; 51% – 60%: $24,975 ; 61% – 70%: $12,189 ; 71% – 80%: $0 and greater than 80%: $0 . The Company’s commercial secured portfolio consists of business loans well-collateralized by residential real estate. The Company’s other portfolio consists of receivables factoring for businesses and consumers. The Company allocates its allowance for loan loss for these asset types based on qualitative factors which consider the value of the collateral and the financial position of the issuer of the receivables. The following tables summarize activity in the allowance for loan losses by segment for the periods indicated: June 30, 2015 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Balance at July 1, 2014 $ 7,959 $ 134 $ 1,259 $ 3,785 $ 1,035 $ 812 $ 279 $ 3,048 $ 62 $ 18,373 Provision for loan loss 6,305 (1 ) 620 922 224 288 13 2,834 (5 ) 11,200 Charge-offs (747 ) (43 ) — (344 ) (156 ) (271 ) — — — (1,561 ) Recoveries 147 32 — — — 124 — — 12 315 Balance at June 30, 2015 $ 13,664 $ 122 $ 1,879 $ 4,363 $ 1,103 $ 953 $ 292 $ 5,882 $ 69 $ 28,327 June 30, 2014 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Balance at July 1, 2013 $ 4,812 $ 183 $ 1,250 $ 3,186 $ 1,378 $ 1,536 $ 201 $ 1,623 $ 13 $ 14,182 Provision for loan loss 3,214 3 9 708 12 (142 ) 78 1,425 43 5,350 Charge-offs (125 ) (98 ) — (359 ) (355 ) (620 ) — — (34 ) (1,591 ) Recoveries 58 46 — 250 — 38 — — 40 432 Balance at June 30, 2014 $ 7,959 $ 134 $ 1,259 $ 3,785 $ 1,035 $ 812 $ 279 $ 3,048 $ 62 $ 18,373 June 30, 2013 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Balance at July 1, 2012 $ 4,030 $ 192 $ 108 $ 2,558 $ 398 $ 2,159 $ 86 $ 102 $ 3 $ 9,636 Provision for loan loss 1,469 229 1,142 858 1,958 131 115 1,521 127 7,550 Charge-offs (730 ) (257 ) — (420 ) (1,496 ) (867 ) — — (137 ) (3,907 ) Recoveries 43 19 — 190 518 113 — — 20 903 Balance at June 30, 2013 $ 4,812 $ 183 $ 1,250 $ 3,186 $ 1,378 $ 1,536 $ 201 $ 1,623 $ 13 $ 14,182 The following tables present our loans evaluated individually for impairment by portfolio class for the periods indicated: June 30, 2015 (Dollars in thousands) Unpaid Principal Balance Adjustment Unpaid Book Balance Accrued Interest/Origination Fees Recorded Related With no related allowance recorded: Single family real estate secured: Mortgage In-house originated $ 7,000 $ 657 $ 6,343 $ 129 $ 6,472 $ — Purchased 6,318 2,083 4,235 157 4,392 — Multifamily real estate secured Purchased 2,569 921 1,648 — 1,648 — Commercial real estate secured Purchased 3,662 1,534 2,128 254 2,382 — Auto and RV secured In-house originated 1,097 815 282 13 295 — With an allowance recorded: Single family real estate secured: Mortgage In-house originated 10,142 — 10,142 — 10,142 214 Purchased 2,339 — 2,339 9 2,348 45 Home equity In-house originated 9 — 9 — 9 1 Multifamily real estate secured In-house originated 3,430 — 3,430 43 3,473 2 Purchased 321 — 321 20 341 3 Auto and RV secured In-house originated 171 — 171 4 175 8 Total $ 37,058 $ 6,010 $ 31,048 $ 629 $ 31,677 $ 273 As a % of total gross loans 0.74 % 0.12 % 0.62 % 0.01 % 0.63 % 0.01 % June 30, 2014 (Dollars in thousands) Unpaid Principal Balance Adjustment Unpaid Book Balance Accrued Interest/Origination Fees Recorded Related With no related allowance recorded: Single family real estate secured: Mortgage Purchased $ 7,413 $ 2,189 $ 5,224 $ 223 $ 5,447 $ — Home equity In-house originated 88 83 5 9 14 — Multifamily real estate secured Purchased 2,615 746 1,869 5 1,874 — Commercial real estate secured Purchased 3,670 1,297 2,373 133 2,506 — Auto and RV secured In-house originated 1,561 1,072 489 27 516 — With an allowance recorded: Single family real estate secured: Mortgage In-house originated 4,074 — 4,074 22 4,096 14 Purchased 4,087 — 4,087 53 4,140 19 Home equity In-house originated 163 — 163 — 163 1 Multifamily real estate secured In-house originated 2,307 — 2,307 22 2,329 3 Purchased 125 — 125 — 125 1 Commercial real estate secured Purchased 2,003 — 2,003 2 2,005 38 Auto and RV secured In-house originated 45 — 45 1 46 1 Total $ 28,151 $ 5,387 $ 22,764 $ 497 $ 23,261 $ 77 As a % of total gross loans 0.78 % 0.15 % 0.63 % 0.02 % 0.65 % — % The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment evaluation method: June 30, 2015 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 259 $ 1 $ — $ 5 $ — $ 8 $ — $ — $ — $ 273 Collectively evaluated for impairment 13,405 121 1,879 4,358 1,103 945 292 5,882 69 28,054 Total ending allowance balance $ 13,664 $ 122 $ 1,879 $ 4,363 $ 1,103 $ 953 $ 292 $ 5,882 $ 69 $ 28,327 Loans: Loans individually evaluated for impairment 1 $ 23,059 $ 9 $ — $ 5,399 $ 2,128 $ 453 $ — $ — $ — $ 31,048 Loans collectively evaluated for impairment 2,957,736 3,595 385,413 1,180,132 59,275 12,687 122,200 248,584 601 4,970,223 Principal loan balance 2,980,795 3,604 385,413 1,185,531 61,403 13,140 122,200 248,584 601 5,001,271 Unaccreted discounts and loan fees 10,438 11 (83 ) 3,348 96 149 (57,223 ) (1,062 ) — (44,326 ) Accrued interest receivable 10,530 5 306 4,862 145 73 477 1,159 — 17,557 Total recorded investment in loans $ 3,001,763 $ 3,620 $ 385,636 $ 1,193,741 $ 61,644 $ 13,362 $ 65,454 $ 248,681 $ 601 $ 4,974,502 1 Loans evaluated for impairment include TDRs that have been performing for more than six months. June 30, 2014 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 33 $ 1 $ — $ 4 $ 38 $ 1 $ — $ — $ — $ 77 Collectively evaluated for impairment 7,926 133 1,259 3,781 997 811 279 3,048 62 18,296 Total ending allowance balance $ 7,959 $ 134 $ 1,259 $ 3,785 $ 1,035 $ 812 $ 279 $ 3,048 $ 62 $ 18,373 Loans: Loans individually evaluated for impairment 1 $ 13,385 $ 168 $ — $ 4,301 $ 4,376 $ 534 $ — $ — $ — $ 22,764 Loans collectively evaluated for impairment 1,905,241 12,522 370,717 974,210 19,685 14,206 118,945 152,619 1,971 3,570,116 Principal loan balance 1,918,626 12,690 370,717 978,511 24,061 14,740 118,945 152,619 1,971 3,592,880 Unaccreted discounts and loan fees 7,138 (11 ) (2,055 ) 2,336 (37 ) 215 (48,546 ) (706 ) — (41,666 ) Accrued interest receivable 5,947 39 433 3,704 45 74 163 825 — 11,230 Total recorded investment in loans $ 1,931,711 $ 12,718 $ 369,095 $ 984,551 $ 24,069 $ 15,029 $ 70,562 $ 152,738 $ 1,971 $ 3,562,444 1 Loans evaluated for impairment include TDRs that have been performing for more than six months. Credit Quality Disclosure . Non-performing loans consisted of the following as of the dates indicated: At June 30, (Dollars in thousands) 2015 2014 Nonaccrual loans: Single Family Real Estate Secured: Mortgage In-house originated $ 16,485 $ 4,073 Purchased 6,357 8,323 Home Equity In-house originated 9 168 Multifamily Real Estate Secured In-house originated 3,430 2,307 Purchased 1,969 1,995 Commercial Real Estate Secured Purchased 2,128 2,985 Total nonaccrual loans secured by real estate 30,378 19,851 Auto and RV Secured 453 534 Total nonperforming loans $ 30,831 $ 20,385 Nonperforming loans to total loans 0.62 % 0.57 % The increase in non-performing loans as a percentage of total loans is primarily the result of two single family residential loans that were placed on non-performing status during the second fiscal quarter of 2015 and remained non-performing through the quarter ended June 30, 2015. Approximately 16.08% of our non-performing loans at June 30, 2015 were considered TDRs, compared to 19.60% at June 30, 2014 . Borrowers who make timely payments after TDRs are considered non-performing for at least six months. Generally, after six months of timely payments, those TDRs are reclassified from the non-performing loan category to performing and any previously deferred interest income is recognized. Approximately 74.09% of the Bank’s non-performing loans are single family first mortgages already written down to 58.10% in aggregate, of the original appraisal value of the underlying properties. Generally these loans have experienced longer delays completing the foreclosure process due to the poor servicing practices of one of our seller servicers. The following tables provide the outstanding unpaid balance of loans that are performing and non-performing by portfolio class as of the dates indicated: June 30, 2015 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Performing $ 2,957,953 $ 3,595 $ 385,413 $ 1,180,132 $ 59,275 $ 12,687 $ 122,200 $ 248,584 $ 601 $ 4,970,440 Non-performing 22,842 9 — 5,399 2,128 453 — — — 30,831 Total $ 2,980,795 $ 3,604 $ 385,413 $ 1,185,531 $ 61,403 $ 13,140 $ 122,200 $ 248,584 $ 601 $ 5,001,271 June 30, 2014 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Performing $ 1,906,230 $ 12,522 $ 370,717 $ 974,209 $ 21,076 $ 14,206 $ 118,945 $ 152,619 $ 1,971 $ 3,572,495 Non-performing 12,396 168 — 4,302 2,985 534 — — — 20,385 Total $ 1,918,626 $ 12,690 $ 370,717 $ 978,511 $ 24,061 $ 14,740 $ 118,945 $ 152,619 $ 1,971 $ 3,592,880 The Company divides loan balances when determining general loan loss reserves between purchases and originations as follows: June 30, 2015 Single Family Real Estate Secured: Mortgage Multifamily Real Estate Secured Commercial Real Estate Secured (Dollars in thousands) Origination Purchase Total Origination Purchase Total Origination Purchase Total Performing $ 2,869,119 $ 88,834 — $ 2,957,953 $ 1,048,266 $ 131,866 $ 1,180,132 $ 46,577 $ 12,698 $ 59,275 Non-performing 16,485 6,357 22,842 3,430 1,969 5,399 — 2,128 2,128 Total $ 2,885,604 $ 95,191 $ 2,980,795 $ 1,051,696 $ 133,835 $ 1,185,531 $ 46,577 $ 14,826 $ 61,403 June 30, 2014 Single Family Real Estate Secured: Mortgage Multifamily Real Estate Secured Commercial Real Estate Secured (Dollars in thousands) Origination Purchase Total Origination Purchase Total Origination Purchase Total Performing $ 1,797,526 $ 108,704 $ 1,906,230 $ 816,682 $ 157,527 $ 974,209 $ 6,164 $ 14,912 $ 21,076 Non-performing 4,073 8,323 12,396 2,307 1,995 4,302 — 2,985 2,985 Total $ 1,801,599 $ 117,027 $ 1,918,626 $ 818,989 $ 159,522 $ 978,511 $ 6,164 $ 17,897 $ 24,061 From time to time the Company modifies loan terms temporarily for borrowers who are experiencing financial stress. These loans are performing and accruing and will generally return to the original loan terms after the modification term expires. During the temporary period of modification, the company classifies these loans as performing TDRs that consisted of the following as of the dates indicated: June 30, 2015 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Performing loans temporarily modified as TDR $ 217 $ — $ — $ — $ — $ — $ — $ — $ — $ 217 Non-performing loans 22,842 9 — 5,399 2,128 453 — — — 30,831 Total impaired loans $ 23,059 $ 9 $ — $ 5,399 $ 2,128 $ 453 $ — $ — $ — $ 31,048 Year Ended June 30, 2015 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Interest income recognized on performing TDRs $ 17 $ — $ — $ — $ 20 $ — $ — $ — $ — $ 37 Average balances of performing TDRs $ 500 $ — $ — $ — $ 278 $ — $ — $ — $ — $ 778 Average balances of impaired loans $ 21,106 $ 51 $ — $ 5,320 $ 3,028 $ 462 $ — $ — $ — $ 29,967 June 30, 2014 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Performing loans temporarily modified as TDR $ 989 $ — $ — $ — $ 1,390 $ — $ — $ — $ — $ 2,379 Non-performing loans 12,396 168 — 4,301 2,986 534 — — — 20,385 Total impaired loans $ 13,385 $ 168 $ — $ 4,301 $ 4,376 $ 534 $ — $ — $ — $ 22,764 Year Ended June 30, 2014 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Interest income recognized on performing TDRs $ 39 $ — $ — $ — $ 80 $ — $ — $ — $ — $ 119 Average balances of performing TDRs $ 1,003 $ 32 $ — $ 542 $ 1,407 $ 456 $ — $ — $ — $ 3,440 Average balances of impaired loans $ 10,957 $ 60 $ — $ 5,021 $ 3,900 $ 898 $ 9 $ — $ 5 $ 20,850 June 30, 2013 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Performing loans temporarily modified as TDR $ 1,019 $ 20 $ — $ 1,623 $ — $ 876 $ — $ — $ — $ 3,538 Non-performing loans 11,353 37 — 2,882 3,559 472 — — — 18,303 Total impaired loans $ 12,372 $ 57 $ — $ 4,505 $ 3,559 $ 1,348 $ — $ — $ — $ 21,841 Year Ended June 30, 2013 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Interest income recognized on performing TDRs $ 41 $ 1 $ — $ 121 $ — $ 73 $ — $ — $ — $ 236 Average balances of performing TDRs $ 1,461 $ 29 $ — $ 1,059 $ — $ 1,032 $ — $ — $ — $ 3,581 Average balances of impaired loans $ 13,272 $ 98 $ — $ 5,250 $ 2,878 $ 1,858 $ — $ — $ 11 $ 23,367 Interest recognized on performing loans temporarily modified as TDRs was $37 , $119 , and $236 for the years ended June 30, 2015 , 2014 and 2013 respectively. The average balances of performing TDRs and non-performing loans was $778 and $29,967 for the year ended June 30, 2015 , $3,440 and $20,850 for the year ended June 30, 2014 and $3,581 and $23,367 for the year ending June 30, 2013, respectively. The Company’s loan modifications included Single Family, Multifamily and Commercial loans of which included one or a combination of the following: a reduction of the stated interest rate or delinquent property taxes that were paid by the Bank and either repaid by the borrower over a one-year period or capitalized and amortized over the remaining life of the loan. The Company’s loan modifications also included RV loans in which borrowers were able to make interest-only payments for a period of six months to one year which then reverted back to fully amortizing. The following tables present the loans modified as TDRs during the period indicated: Year Ended June 30, (Dollars in thousands) 2015 2014 2013 Single family real estate secured: Mortgage In-house originated $ 36 $ — $ — Purchased — 211 832 Multifamily real estate secured Purchased — — 1,342 Commercial real estate secured Purchased — — 1,455 Total TDR loans secured by real estate $ 36 $ 211 $ 3,629 Other — — — Total loans modified as TDRs $ 36 $ 211 $ 3,629 The following tables present loans by class modified as troubled debt restructurings that occurred during the periods indicated: Year Ended June 30, 2015 (Dollars in thousands) Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled Debt Restructurings: Single family real estate secured: Mortgage In-house originated 1 $ 36 $ 36 Total 1 $ 36 $ 36 Year Ended June 30, 2014 (Dollars in thousands) Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled Debt Restructurings: Single family real estate secured: Mortgage Purchased 2 $ 211 $ 211 Total 2 $ 211 $ 211 Year Ended June 30, 2013 (Dollars in thousands) Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled Debt Restructurings: Single family real estate secured: Mortgage Purchased 3 $ 832 $ 832 Multifamily real estate secured Purchased 1 1,342 1,342 Commercial real estate secured Purchased 1 1,455 1,455 Total 5 $ 3,629 $ 3,629 The Company had no loans modified as TDRs within the previous twelve months for which there was a payment default for the fiscal years ended June 30, 2015 and June 30, 2014 , respectively. The Company defines a payment default as 90 days past due. Credit Quality Indicators . The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans individually by classifying the loans as to credit risk. The Company uses the following definitions for risk ratings. Pass . Loans classified as pass are well protected by the current net worth and paying capacity of the obligor or by the fair value, less cost to acquire and sell, of any underlying collateral in a timely manner. Special Mention . Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date. Substandard . Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Doubtful . Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The Company reviews and grades loans following a continuous loan review process, featuring coverage of all loan types and business lines at least quarterly. Continuous reviewing provides more effective risk monitoring because it immediately tests for potential impacts caused by changes in personnel, policy, products or underwriting standards. The following tables present

FURNITURE, EQUIPMENT AND SOFTWA

FURNITURE, EQUIPMENT AND SOFTWARE	12 Months Ended
	Jun. 30, 2015
Property, Plant and Equipment [Abstract]
FURNITURE, EQUIPMENT AND SOFTWARE	FURNITURE, EQUIPMENT AND SOFTWARE A summary of the cost and accumulated depreciation and amortization for leasehold improvements, furniture, equipment and software is as follows: At June 30, (Dollars in thousands) 2015 2014 Leasehold improvements $ 1,508 $ 1,513 Furniture and fixtures 3,767 3,028 Computer hardware and equipment 7,105 5,220 Software 7,160 4,792 Total 19,540 14,553 Less accumulated depreciation and amortization (10,989 ) (7,846 ) Furniture, equipment and software — net $ 8,551 $ 6,707 Depreciation and amortization expense for the years ended June 30, 2015 , 2014 and 2013 amounted to $3,273 , $2,874 , and $1,904 , respectively.

DEPOSITS

DEPOSITS	12 Months Ended
	Jun. 30, 2015
Deposits [Abstract]
DEPOSITS	DEPOSITS Deposit accounts are summarized as follows: At June 30, 2015 2014 (Dollars in thousands) Amount Rate 1 Amount Rate 1 Non-interest bearing $ 309,339 — % $ 186,786 — % Interest bearing: Demand 1,224,308 0.48 % 1,129,535 0.63 % Savings 2,126,792 0.67 % 935,973 0.73 % 3,351,100 0.60 % 2,065,508 0.67 % Time deposits: Under $100,000 70,369 1.26 % 107,294 1.23 % $100,000 or more 2 721,109 2.06 % 681,948 1.67 % Total time deposits 791,478 1.99 % 789,242 1.61 % Total interest bearing 2 4,142,578 0.87 % 2,854,750 0.93 % Total deposits $ 4,451,917 0.81 % $ 3,041,536 0.88 % 1. Based on weighted-average stated interest rates at end of period . 2. The total interest-bearing includes brokered deposits of $661.9 million and $404.8 million as of June 30, 2015 and June 30, 2014, respectively, of which $356.3 million and $275.4 million , respectively, are time deposits classified as $100,000 or more. The scheduled maturities of time deposits are as follows: At June 30, (Dollars in thousands) 2015 Within 12 months $ 373,999 13 to 24 months 73,118 25 to 36 months 36,991 37 to 48 months 4,605 49 to 60 months 71,212 Thereafter 231,553 Total $ 791,478 At June 30, 2015 and 2014 , the Company had deposits from principal officers, directors and their affiliates in the amount of $4,458 and $907 , respectively.

ADVANCES FROM THE FEDERAL HOME

ADVANCES FROM THE FEDERAL HOME LOAN BANK	12 Months Ended
	Jun. 30, 2015
Banking and Thrift [Abstract]
ADVANCES FROM THE FEDERAL HOME LOAN BANK	ADVANCES FROM THE FEDERAL HOME LOAN BANK At June 30, 2015 and 2014 , the Company’s fixed-rate FHLB advances had interest rates that ranged from 0.24% to 5.62% with a weighted average of 1.36% and ranged from 0.18% to 5.62% with a weighted average of 0.97% , respectively. Fixed-rate advances from FHLB are scheduled to mature as follows: At June 30, 2015 2014 (Dollars in thousands) Amount Weighted- Average Rate Amount Weighted- Average Rate Within one year $ 323,000 0.45 % $ 555,000 0.32 % After one but within two years 95,000 1.24 % 15,000 2.46 % After two but within three years 30,000 2.80 % 115,000 1.36 % After three but within four years 135,000 2.03 % 30,000 2.80 % After four but within five years 55,000 1.79 % 135,000 2.03 % After five years 115,000 2.65 % 60,000 2.58 % Total $ 753,000 1.36 % $ 910,000 0.97 % At June 30, 2015 , a total of $5.0 million of FHLB advances include agreements that allow the FHLB, at its option, to put the advances back to the Company after specified dates. Under the terms of the putable advances, the Company could be required to repay all of the principal and accrued interest before the maturity date. The weighted-average remaining contractual maturity period of the $5.0 million in advances is 2.58 years and the weighted average remaining period before such advances could be put to the Company is 0.07 years. The Company’s advances from the FHLB were collateralized by certain real estate loans with an aggregate unpaid balance of $2,568,575 and $1,889,405 at June 30, 2015 and 2014 , respectively, by the Company’s investment in capital stock of the FHLB of San Francisco and by its investment in mortgage-backed securities. Generally, each advance is payable in full at its maturity date with a prepayment penalty for fixed and adjustable rate advances. The maximum amounts advanced at any month-end during the period from the FHLB were $1,075,000 , $910,000 , and $590,417 during the years ended June 30, 2015 , 2014 , and 2013 , respectively. At June 30, 2015 , the Company is fully collateralized and had $1,584,729 available immediately for advances from the FHLB for terms up to ten years.

SECURITIES SOLD UNDER AGREEMENT

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE	12 Months Ended
	Jun. 30, 2015
Disclosure of Repurchase Agreements [Abstract]
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE	SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE The Company has sold securities under various agreements to repurchase for total proceeds of $35,000 . The repurchase agreements have fixed interest rates between 3.75% and 4.75% , weighted average rate of 4.38% , and scheduled maturities between April 2017 and December 2017 . Under these agreements, the Company may be required to repay the $35,000 and repurchase its securities before the scheduled maturity if the issuer requests repayment on scheduled quarterly call dates. The weighted-average remaining contractual maturity period is 2.11 years and the weighted average remaining period before such repurchase agreements could be called is 0.14 years.

JUNIOR SUBORDINATED DEBTURES AN

JUNIOR SUBORDINATED DEBTURES AND OTHER BORROWINGS	12 Months Ended
	Jun. 30, 2015
Debt Disclosure [Abstract]
JUNIOR SUBORDINATED DEBENTURES AND OTHER BORROWINGS	JUNIOR SUBORDINATED DEBENTURES AND OTHER BORROWINGS Junior Subordinated Debentures . On December 13, 2004 , the Company entered into an agreement to form an unconsolidated trust which issued $5,000 of trust preferred securities in a transaction that closed on December 16, 2004 . The net proceeds from the offering were used to purchase $5,155 of junior subordinated debentures (“Debentures”) of the Company with a stated maturity date of February 23, 2035 . The Debentures are the sole assets of the trust. The trust preferred securities are mandatorily redeemable upon maturity, or upon earlier redemption as provided in the indenture. The Company has the right to redeem the Debentures in whole (but not in part) on or after specific dates, at a redemption price specified in the indenture plus any accrued but unpaid interest through the redemption date. Interest accrues at the rate of three-month LIBOR plus 2.4% (with LIBOR at 2.68% as of June 30, 2015 ), with interest paid quarterly starting February 16, 2005 . The Bank has the ability to borrow short-term from the Federal Reserve Bank Discount Window. At June 30, 2015 and 2014 there were no amounts outstanding and the available borrowings from this source were $8,705 and $16,582 , respectively. The 2015 available borrowings would be collateralized by consumer loans and mortgage-backed securities totaling $11,321 and $13,938 , respectively. The Bank has additional unencumbered collateral that could be pledged to the Federal Reserve Bank Discount Window to increase borrowing liquidity. The Bank has federal funds lines of credit with two major banks totaling $35.0 million . At June 30, 2015 and 2014 the Bank had no outstanding balances on these lines.

INCOME TAXES

INCOME TAXES	12 Months Ended
	Jun. 30, 2015
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES The provision for income taxes is as follows: At June 30, (Dollars in thousands) 2015 2014 2013 Current: Federal $ 49,801 $ 31,069 $ 24,875 State 17,192 9,284 7,653 66,993 40,353 32,528 Deferred: Federal (7,015 ) (1,645 ) (3,585 ) State (1,803 ) (395 ) (1,033 ) (8,818 ) (2,040 ) (4,618 ) Total $ 58,175 $ 38,313 $ 27,910 The differences between the statutory federal income tax rate and the effective tax rates are summarized as of: At June 30, 2015 2014 2013 Statutory federal tax rate 35.00 % 35.00 % 35.00 % Increase (decrease) resulting from: State taxes—net of federal tax benefit 6.81 % 6.67 % 7.29 % Cash surrender value (0.04 )% (0.07 )% (0.09 )% Tax credits (0.24 )% (0.20 )% (0.69 )% Non-taxable income (0.58 )% (0.56 )% (0.79 )% Other 0.35 % (0.20 )% 0.20 % Effective tax rate 41.30 % 40.64 % 40.92 % The components of the net deferred tax asset are as follows: At June 30, (Dollars in thousands) 2015 2014 Deferred tax assets: Allowance for loan losses and charge-offs $ 13,047 $ 8,398 State taxes 2,581 973 Stock-based compensation expense 1,397 885 Unrealized net losses on securities 6,905 7,899 Deferred bonus / vacation 416 495 Securities impaired 10,903 9,633 Deferred loan fees 60 — Total deferred tax assets 35,309 28,283 Deferred tax liabilities: Deferred loan fees — (467 ) FHLB stock dividend (1,180 ) (1,171 ) Other assets—prepaids (632 ) (427 ) Depreciation (542 ) (973 ) Total deferred tax liabilities (2,354 ) (3,038 ) Net deferred tax asset $ 32,955 $ 25,245 The Company establishes a valuation allowance if, based on the weight of available evidence, it is more likely than not that some portion or all of the deferred tax assets will not be realized. As of June 30, 2015 and 2014 , the Company believes that it will have sufficient earnings to realize its deferred tax asset and has not provided an allowance. The following is a reconciliation of the beginning and ending amount of unrecognized tax positions for the periods presented: (Dollars in thousands) 2015 2014 2013 Balance at July 1 $ 293 $ 1,122 $ 78 Additions – current year tax positions 135 55 678 Additions – prior year tax positions 568 30 568 Reductions – prior year tax positions (217 ) (914 ) (202 ) Total liability for unrecognized tax positions at June 30 $ 779 $ 293 $ 1,122 The Company is subject to federal income tax and income tax of state taxing authorities. The Company’s federal income tax returns for the years ended June 30, 2012 , 2013 , and 2014 and its state taxing authorities income tax returns for the years ended June 30, 2011 , 2012 , 2013 and 2014 are open to audit under the statutes of limitations by the Internal Revenue Service and state taxing authorities.

STOCKHOLDERS' EQUITY

STOCKHOLDERS' EQUITY	12 Months Ended
	Jun. 30, 2015
Equity [Abstract]
STOCKHOLDERS' EQUITY	STOCKHOLDERS’ EQUITY Common Stock . Changes in common stock issued and outstanding were as follows: At June 30, 2015 2014 2013 Issued Outstanding Issued Outstanding Issued Outstanding Beginning of year: 15,423,822 14,451,900 14,638,229 13,733,325 12,321,578 11,512,536 Common stock issued through option exercise or exchange 86,350 44,063 55,532 55,532 27,135 27,135 Common stock issued through public offering 949,089 949,089 560,301 560,301 200,000 200,000 Common stock issued through preferred stock conversion — — — — 1,855,411 1,855,411 Common stock issued through grants of restricted stock units 129,850 73,699 169,760 102,742 234,105 138,243 End of year: 16,589,111 15,518,751 15,423,822 14,451,900 14,638,229 13,733,325 On March 11, 2013, the Company entered into an At-the-Market (ATM) Equity Distribution Agreement with each of Raymond James & Associates, Inc., JMP Securities LLC, Liquidnet, Inc., and Sandler O’Neill + Partners L.P. (the “Distribution Agents”) pursuant to which we may issue and sell through the Distribution Agents from time to time shares of our common stock in at the market offerings with an aggregate offering price of up to $50,000 (the “ATM Offering”). The sales of shares of our common stock under the Equity Distribution Agreement are to be made in “at the market” offerings as defined in Rule 415 of the Securities Act of 1933, as amended, including sales made directly on the NASADAQ Global Select Market (the principal existing trading market for our common stock), or sales made through a market maker or any other trading market for our common stock, or (with prior consent) in privately negotiated transactions at negotiated prices. The aggregate compensation payable to the Distribution Agents under the Distribution Agreement is 2.5% of the gross sales price of the shares sold under the agreement. The Company has also agreed to reimburse the Distribution Agents for up to $125 of their expenses and have provided the Distribution Agents with customary indemnification rights. In fiscal year 2013, the Company commenced sales of common stock through the ATM Offering. The details of the shares of common stock sold through the ATM Offering through June 30, 2014 are as follows (dollars in thousands, except per share data): Distribution Agent Month Weighted Average Per Share Price Number of Shares Sold Net Proceeds Compensation to Distribution Agent Raymond James & Associates March 2013 $ 35.25 200,000 $ 6,874 $ 176 Raymond James & Associates October 2013 $ 70.53 49,580 $ 3,409 $ 87 Raymond James & Associates November 2013 $ 72.37 147,820 $ 10,431 $ 267 Raymond James & Associates December 2013 $ 79.30 38,599 $ 2,984 $ 77 Raymond James & Associates January 2014 $ 80.39 90,000 $ 7,054 $ 181 Raymond James & Associates February 2014 $ 81.51 49,608 $ 3,942 $ 101 Sandler O'Neill & Partners, L.P. May 2014 $ 77.83 124,000 $ 9,409 $ 241 Sandler O'Neill & Partners, L.P. June 2014 $ 78.52 60,694 $ 4,647 $ 119 As of June 30, 2014, the total gross sales the Company completed under the ATM Offering was $50,000 . On July 22, 2014, we entered into an At-the-Market (“ATM”) Equity Distribution Agreement with Keefe, Bruyette & Woods, Inc., Raymond James & Associates, Inc. and Sterne, Agee & Leach, Inc. (the “Distribution Agents”) pursuant to which we may issue and sell through the Distribution Agents from time to time shares of our common stock in at the market offerings with an aggregate offering price of up to $50,000 (the “ATM Offering”). The sales of shares of our common stock under the Equity Distribution Agreement are to be made in “at the market” offerings as defined in Rule 415 of the Securities Act of 1933, as amended, including sales made directly on the NASDAQ Global Select Market (the principal existing trading market for our common stock), or sales made through a market maker or any other trading market for our common stock, or (with our prior consent) in privately negotiated transactions at negotiated prices. The aggregate compensation payable to the Distribution Agents under the Distribution Agreement is 2.5% of the gross sales price of the shares sold under the agreement. The Company has also agreed to reimburse the Distribution Agents for up to $75 of their expenses and have provided the Distribution Agents with customary indemnification rights. In August 2014, we commenced sales of common stock through the ATM Offering. The details of the shares of common stock sold through the ATM Offering through January 31, 2015 are as follows (dollars in thousands, except per share data): Distribution Agent Month Weighted Average Per Share Price Number of Shares Sold Net Proceeds Compensation to Distribution Agent Keefe, Bruyette & Woods, Inc. August 2014 $ 78.72 44,417 $ 3,409 $ 87 Keefe, Bruyette & Woods, Inc. September 2014 $ 74.58 236,800 $ 17,218 $ 441 Keefe, Bruyette & Woods, Inc. October 2014 $ 70.22 50,000 $ 3,423 $ 88 Keefe, Bruyette & Woods, Inc. November 2014 $ 78.30 130,000 $ 9,924 $ 254 Keefe, Bruyette & Woods, Inc. December 2014 $ 78.76 66,800 $ 5,130 $ 132 Keefe, Bruyette & Woods, Inc. January 2015 $ 81.38 121,570 $ 9,646 $ 248 As of January 31, 2015, the total gross sales were $50,000 and completed this offering. On February 23, 2015, we entered into an ATM Equity Distribution Agreement with FBR Capital Markets & Co., Sterne, Agee & Leach, Inc. and Raymond James & Associates, Inc. (the “2015 Distribution Agents”) pursuant to which we may issue and sell through the 2015 Distribution Agents from time to time shares of our common stock in at the market offerings with an aggregate offering price of up to $50,000 (the “2015 ATM Offering”). The sales of shares of our common stock under the Equity Distribution Agreement are to be made in “at the market” offerings as defined in Rule 415 of the Securities Act of 1933, as amended, including sales made directly on the NASDAQ Global Select Market (the principal existing trading market for our common stock), or sales made through a market maker or any other trading market for our common stock, or (with our prior consent) in privately negotiated transactions at negotiated prices. The aggregate compensation payable to the 2015 Distribution Agents under the Distribution Agreement will not exceed 2.5% of the gross sales price of the shares sold under the agreement. We have also agreed to reimburse the 2015 Distribution Agents for up to $75 in their expenses through September 30, 2015 and up to $25 thereafter and have provided the 2015 Distribution Agents with customary indemnification rights. In February 2015, we commenced sales of common stock through the 2015 ATM Offering. The details of the shares of common stock sold through the 2015 ATM Offering through June 30, 2015 are as follows (dollars in thousands, except per share data): Distribution Agent Month Weighted Average Per Share Price Number of Net Proceeds Compensation to Distribution Agent FBR Capital Markets & Co. February 2015 $ 90.71 10,000 $ 884 $ 23 FBR Capital Markets & Co. March 2015 $ 93.50 129,632 $ 11,818 $ 303 FBR Capital Markets & Co. April 2015 $ 92.41 66,272 $ 5,971 $ 153 FBR Capital Markets & Co. May 2015 $ 94.77 30,700 $ 2,837 $ 73 FBR Capital Markets & Co. June 2015 $ 98.77 62,898 $ 6,057 $ 155 As of June 30, 2015, the total gross sales were $28,300 and the remaining amount of common stock we have available under the 2015 ATM offering to sell was $21,700 . Convertible Preferred Stock . On October 28, 2003, the Company commenced a private placement of Series A-6% Cumulative Nonparticipating Perpetual Preferred Stock (the “Series A preferred stock”). The rights, preferences and privileges of the Series A preferred stock were established in a certificate filed by the Company with the State of Delaware on October 27, 2003, and generally include the holder’s right to a six percent ( 6% ) per annum cumulative dividend payable quarterly and the Company’s right to redeem some or all of the remaining 515 shares at $10,000 face value outstanding shares. The holder’s right to convert to the Company’s common stock expired on January 1, 2009. During the fiscal year ended June 30, 2004 , the Company issued $6,750 of Series A preferred stock, convertible through January 1, 2009 , representing 675 shares at $10,000 face value, less issuance costs of $113 . Before the expiration of the conversion right, holders of the Series A converted 160 shares of Series A preferred to common stock. The Company has declared dividends to holders of its Series A preferred stock totaling $309 for each of the years ended June 30, 2015 , 2014 , and 2013 , respectively. On September 11, 2012 , the Company mandatorily converted the outstanding 20,132 shares of the Series B non-cumulative perpetual convertible preferred stock (“the series B preferred stock”). The Series B preferred stock was converted into 1,246,571 shares of our common stock, which reflects an approximate initial conversion price of $16.15 per share of our common stock, plus cash in lieu of fractional shares. On various dates beginning on October 11, 2012 , the Company entered into subscription agreements (the “Subscription Agreements”) with various institutional and individual accredited investors under which the Company sold an aggregate of 1,857 shares of its 6.0% Series C Non-Cumulative Perpetual Convertible Preferred Stock, par value $0.01 per share (the “Series C Preferred Stock”) for a purchase price of $10,000 per share or an aggregate of $18,570 , with net proceeds after expenses of approximately $18,544 . The terms of the Series C Preferred Stock are more fully described in the Certificate of Designations filed by the Company with the Secretary of State of the State of Delaware on October 11, 2012 designating the rights, preferences and privileges of the Series C Preferred Stock (the “Certificate of Designations”). On April 24, 2013, the Company completed the mandatory conversion of the Company’s 1,857 shares of the Series C preferred stock. The Series C preferred stock was converted into 608,840 shares of common stock, which reflects an approximate initial conversion price of $30.50 per share of our common stock, plus cash in lieu of fractional shares.

STOCK-BASED COMPENSATION

STOCK-BASED COMPENSATION	12 Months Ended
	Jun. 30, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
STOCK-BASED COMPENSATION	STOCK-BASED COMPENSATION The Company has three equity incentive plans, the 2014 Stock Incentive Plan (“2014 Plan”), the 2004 Stock Incentive Plan (“2004 Plan”) and the 1999 Stock Option Plan (collectively, the “Plans”), which provide for the granting of non-qualified and incentive stock options, restricted stock and restricted stock units, stock appreciation rights and other awards to employees, directors and consultants. 1999 Stock Option Plan . In July 1999 , the Company’s Board of Directors approved the 1999 Stock Option Plan and in August 2001 , the Company’s shareholders approved an amendment to the 1999 Plan such that 15% of the outstanding shares of the Company would always be available for grants under the 1999 Plan. The 1999 Plan is designed to encourage selected employees and directors to improve operations and increase profits, to accept or continue employment or association with the Company through participation in the growth in the value of the common stock. The 1999 Plan requires that option exercise prices be not less than fair market value per share of common stock on the option grant date for incentive and nonqualified options. The options issued under the 1999 Plan generally vest between three and five years. Option expiration dates are established by the plan administrator but may not be later than 10 years after the date of the grant. In November 2007 , the shareholders of the Company approved the termination of the 1999 Plan. No new option awards will be made under the 1999 Plan and the outstanding awards under the 1999 Plan will continue to be subject to the terms and conditions of the 1999 Plan. As of June 30, 2014 there were no longer any outstanding stock options under the 1999 plan. 2004 Stock Incentive Plan . In October 2004 , the Company’s Board of Directors and the stockholders approved the 2004 Plan. In November 2007 , the 2004 Plan was amended and approved by the Company’s stockholders. The maximum number of shares of common stock available for issuance under the 2004 Plan is 14.8% of the Company’s outstanding common stock measured from time to time. In addition, the number of shares of the Company’s common stock reserved for issuance will also automatically increase by an additional 1.5% on the first day of each of four fiscal years starting July 1, 2007 . With the stockholders approving the 2014 Plan in October 2014, no further awards will be made under the 2004 Plan and the 2004 Plan will remain in effect only so long as awards made thereunder remain outstanding. 2014 Stock Incentive Plan . In September and October 2014, the Company’s Board of Directors and stockholders approved the 2014 Plan, respectively. The maximum number of shares of common stock available for issuance under the 2014 Plan is 920,000 . Stock Options. A summary of stock option activity under the Plans during the periods indicated is presented below: Number of Shares 1 Weighted-Average Exercise Price Per Share Outstanding—June 30, 2012 190,117 $ 8.93 Granted — — Exercised (27,135 ) 9.59 Converted — — Canceled (500 ) 11.00 Outstanding—June 30, 2013 162,482 $ 8.81 Granted — — Exercised (55,532 ) 9.00 Converted — — Canceled — — Outstanding—June 30, 2014 106,950 $ 8.71 Granted — — Exercised (86,350 ) 9.04 Converted — — Canceled — — Outstanding—June 30, 2015 20,600 $ 7.35 Options exercisable—June 30, 2013 162,482 $ 8.81 Options exercisable—June 30, 2014 106,950 $ 8.71 Options exercisable—June 30, 2015 20,600 $ 7.35 1 All options outstanding are vested. The following table summarizes information as concerning currently outstanding and exercisable options: June 30, 2015 Options Outstanding Options Exercisable Exercise Prices Number Outstanding Weighted- Average Remaining Contractual Life (Years) Number Exercisable Weighted-Average Exercise Price $ 7.35 20,600 1.1 20,600 $ 7.35 The aggregate intrinsic value of options outstanding and options exercisable under the Plans at June 30, 2015 was $2,026 . The aggregate intrinsic value of options exercised or converted during the years ended June 30, 2015 , 2014 and 2013 was $7,834 , $4,021 and $929 , respectively. Restricted Stock and Restricted Stock Units . During the fiscal year ended June 30, 2013 , the Company’s Board of Directors granted 181,483 restricted stock units to employees and directors. The chief executive officer received 64,000 restricted stock units, which vest ratably on each of the four fiscal year ends after the issue date. All other restricted stock unit awards granted during the year ended June 30, 2013 , vest over three years, one-third on each anniversary of the grant date and 213,355 shares were vested and issued and 30,305 shares were canceled as of June 30, 2013 . During the fiscal year ended June 30, 2014 , the Company’s Board of Directors granted 132,944 restricted stock units to employees and directors. The chief executive officer received 72,000 restricted stock units, which vest ratably on each of the four fiscal year ends after the issue date. All other restricted stock unit awards granted during the year ended June 30, 2014 , vest over three years, one-third on each anniversary of the grant date and 169,760 shares were vested and issued and 25,230 shares were canceled as of June 30, 2014 . During the fiscal year ended June 30, 2015 , the Company’s Board of Directors granted 193,956 restricted stock units to employees and directors. The chief executive officer received 72,000 restricted stock units, which vest ratably on each of the four fiscal year ends after the issue date. All other restricted stock unit awards granted during the year ended June 30, 2015 , vest over three years, one-third on each anniversary of the grant date and 129,850 shares were vested and issued and 16,776 shares were canceled as of June 30, 2015 . The Company’s income before income taxes and net income for the years ended June 30, 2015 , 2014 and 2013 included stock compensation expense of $6,648 , $4,358 and $3,297 , respectively. The income tax benefit was $2,746 , $1,771 and $1,349 , respectively. The Company recognizes compensation expense based upon the grant-date fair value divided by the vesting and the service period between each vesting date. At June 30, 2015 , expense related to stock option grants has been fully recognized. At June 30, 2015 unrecognized compensation expense related to non-vested awards aggregated to $16,118 and is expected to be recognized in future periods as follows: (Dollars in thousands) Stock Award Compensation Expense For the fiscal year ended June 30: 2016 $ 7,465 2017 5,831 2018 2,822 Total $ 16,118 The following table presents the status and changes in restricted stock units grants for the periods indicated: Restricted Stock Unit Shares Weighted-Average Grant-Date Fair Value Non-vested balance at June 30, 2012 360,662 $ 13.20 Granted 181,483 28.83 Vested (213,355 ) 13.32 Canceled (30,305 ) 18.01 Non-vested balance at June 30, 2013 298,485 $ 22.13 Granted 132,944 59.91 Vested (169,760 ) 23.37 Canceled (25,230 ) 34.41 Non-vested balance at June 30, 2014 236,439 $ 41.17 Granted 193,959 79.94 Vested (129,850 ) 40.44 Canceled (16,776 ) 56.53 Non-vested balance at June 30, 2015 283,772 $ 68.05 The total fair value of shares vested during the years ended June 30, 2015 , 2014 and 2013 was $11,907 , $12,211 and $8,070 , respectively.

EARNINGS PER SHARE

EARNINGS PER SHARE	12 Months Ended
	Jun. 30, 2015
Earnings Per Share [Abstract]
EARNINGS PER SHARE	EARNINGS PER SHARE The following table presents the calculation of basic and diluted EPS: At June 30, (Dollars in thousands, except per share data) 2015 2014 2013 Earnings Per Common Share Net income $ 82,682 $ 55,956 $ 40,291 Preferred stock dividends (309 ) (309 ) (835 ) Net income attributable to common shareholders $ 82,373 $ 55,647 $ 39,456 Average common shares issued and outstanding 14,984,961 14,039,809 12,758,381 Average unvested restricted stock grant and RSU shares 309,516 328,015 398,265 Total qualifying shares 15,294,477 14,367,824 13,156,646 Earnings per common share $ 5.39 $ 3.87 $ 3.00 Diluted Earnings Per Common Share Net income attributable to common shareholders $ 82,373 $ 55,647 $ 39,456 Preferred stock dividends to dilutive convertible preferred — — 533 Dilutive net income attributable to common shareholders $ 82,373 $ 55,647 $ 39,989 Average common shares issued and outstanding 15,294,477 14,367,824 13,156,646 Dilutive effect of stock options 56,614 74,868 88,519 Dilutive effect of convertible preferred stock — — 574,247 Total dilutive common shares issued and outstanding 15,351,091 14,442,692 13,819,412 Diluted earnings per common share $ 5.37 $ 3.85 $ 2.89

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	12 Months Ended
	Jun. 30, 2015
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENCIES	COMMITMENTS AND CONTINGENCIES Operating Leases . The Company leases office space under an operating lease agreement scheduled to expire in June 2020 . The Company pays property taxes, insurance and maintenance expenses related to this lease. Rent expense for the years ended June 30, 2015 , 2014 , and 2013 was $2,806 , $2,111 , and $1,644 , respectively. Pursuant to the terms of these non-cancelable lease agreements in effect at June 30, 2015 , future minimum lease payments are as follows: (Dollars in thousands) Future minimum lease payments 2016 $ 2,673 2017 3,292 2018 3,654 2019 3,821 2020 3,993 Thereafter — Total $ 17,433

OFF-BALANCE-SHEET ACTIVITIES

OFF-BALANCE-SHEET ACTIVITIES	12 Months Ended
	Jun. 30, 2015
Fair Value Disclosures [Abstract]
OFF-BALANCE-SHEET ACTIVITIES	OFF-BALANCE-SHEET ACTIVITIES Credit-Related Financial Instruments . The Company is a party to credit-related financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments are commitments to extend credit. Such commitments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets. The Company’s exposure to credit loss is represented by the contractual amount of these commitments. The Company follows the same credit policies in making commitments as it does for on-balance-sheet instruments. At June 30, 2015 , we had fixed and variable rate commitments to originate or purchase loans with an aggregate outstanding principal balance of $68,030 and $143,995 for total commitments to originate of $212,025 . For June 30, 2015 , our fixed rate commitments to originate had a weighted-average rate of 3.81% . For June 30, 2014 , we had fixed and variable rate commitments to originate or purchase loans with an aggregate outstanding principal balance of $40,529 and $133,513 for total commitments to originate of $174,042 . For June 30, 2014 , our fixed rate commitments to originate had a weighted average rate of 4.06% . At June 30, 2015 , we also had fixed and variable rate commitments to sell loans with an aggregate outstanding principal balance of $77,188 and $11,446 for total commitments to sell of $88,634 . For June 30, 2014 , we had fixed and variable rate commitments to sell of $45,090 and $9,832 for total commitments to sell of $54,922 . At June 30, 2015 and 2014 , 64.8% and 26.3% of the commitments to originate loans are matched with commitments to sell related to conforming single family loans classified as held for sale, respectively. Commitments to extend credit are agreements to lend to a customer so long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. The commitments for equity lines of credit may expire without being drawn upon. Therefore, the total commitment amounts do not necessarily represent future cash requirements. The amount of collateral obtained, if it is deemed necessary by the Company, is based on management’s credit evaluation of the customer.

MINIMUM REGULATORY CAPITAL REQU

MINIMUM REGULATORY CAPITAL REQUIREMENTS	12 Months Ended
	Jun. 30, 2015
Banking and Thrift [Abstract]
MINIMUM REGULATORY CAPITAL REQUIREMENTS	MINIMUM REGULATORY CAPITAL REQUIREMENTS The Company and Bank are subject to regulatory capital adequacy requirements promulgated by federal bank regulatory agencies. Failure by the Company or Bank to meet minimum capital requirements could result in certain mandatory and discretionary actions by regulators that could have a material adverse effect on the consolidated financial statements. The Federal Reserve establishes capital requirements for the Company and the OCC has similar requirements for the Bank. The following tables present regulatory capital information for the Company and Bank. Information presented for June 30, 2015 , reflects the Basel III capital requirements that became effective January 1, 2015 for both the Company and Bank. Prior to January 1, 2015, the Bank was subject to capital requirements under Basel I and there were no capital requirements for the Company. Under these capital requirements and the regulatory framework for prompt corrective action, the Company and Bank must meet specific capital guidelines that involve quantitative measures of the Company and Bank’s assets, liabilities and certain off-balance-sheet items as calculated under regulatory accounting practices. The Company’s and Bank’s capital amounts and classifications are also subject to qualitative judgments by regulators about components, risk weightings and other factors. Quantitative measures established by regulation require the Company and Bank to maintain certain minimum capital amounts and ratios. Federal bank regulators require the Company and Bank maintain minimum ratios of core capital to adjusted average assets of 4.0%, common equity tier 1 capital to risk-weighted assets of 4.5%, tier 1 capital to risk-weighted assets of 6.0% and total risk-based capital to risk-weighted assets of 8.0%. At June 30, 2015 , the Company and Bank met all the capital adequacy requirements to which they were subject. At June 30, 2015 , the Company and Bank were “well capitalized” under the regulatory framework for prompt corrective action. To be “well capitalized,” the Company and Bank must maintain minimum leverage, common equity tier 1 risk-based, tier 1 risk-based and total risk-based capital ratios of at least 5.0%, 6.5%, 8.0% and 10.0%, respectively. Management believes that no conditions or events have occurred since June 30, 2015 that would materially adversely change the Company’s and Bank’s capital classifications. From time to time, we may need to raise additional capital to support the Company’s and Bank’s further growth and to maintain their “well capitalized” status. The Bank’s capital amounts, capital ratios and capital requirements were as follows: June 30, 2015 Actual For Capital Adequacy Purposes To Be Well-Capitalized Under (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio Bank Tier 1 leverage (core) capital (to adjusted average assets) $ 522,891 9.25 % $ 226,168 4.00 % $ 282,710 5.00 % Common equity tier 1 capital (to risk weighted assets) $ 522,891 14.58 % $ 161,332 4.50 % $ 233,035 6.50 % Tier 1 capital (to risk-weighted assets) $ 522,891 14.58 % $ 215,109 6.00 % $ 286,812 8.00 % Total capital (to risk-weighted assets) $ 551,218 15.38 % $ 286,812 8.00 % $ 358,515 10.00 % June 30, 2014 Actual For Capital To Be Well-Capitalized Under (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio Bank Tier 1 leverage (core) capital (to adjusted tangible assets) $ 382,441 8.66 % $ 176,639 4.00 % $ 220,799 5.00 % Tier 1 capital (to risk-weighted assets) $ 382,441 14.42 % N/A N/A $ 159,181 6.00 % Total capital (to risk-weighted assets) $ 400,814 15.11 % $ 212,241 8.00 % $ 265,302 10.00 % Tangible capital (to tangible assets) $ 382,441 8.66 % $ 66,240 1.50 % N/A N/A The Company’s capital amounts, capital ratios and capital requirements were as follows: June 30, 2015 Actual For Capital To Be Well-Capitalized Under (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio Company Tier 1 leverage (core) capital (to adjusted average assets) $ 542,924 9.59 % $ 226,404 4.00 % $ 283,005 5.00 % Tier 1 capital (to risk-weighted assets) $ 537,861 14.98 % $ 161,614 4.50 % $ 233,443 6.50 % Total capital (to risk-weighted assets) $ 542,924 15.12 % $ 215,486 6.00 % $ 287,315 8.00 % Tangible capital (to tangible assets) $ 571,251 15.91 % $ 287,315 8.00 % $ 359,143 10.00 % Beginning January 1, 2016, Basel III implements a requirement for all banking organizations to maintain a capital conservation buffer above the minimum risk-based capital requirements in order to avoid certain limitations on capital distributions, stock repurchases and discretionary bonus payments to executive officers. The capital conservation buffer will be exclusively composed of common equity tier 1 capital, and it applies to each of the three risk-based capital ratios but not the leverage ratio. On January 1, 2016, the Company and Bank will be expected to comply with the capital conservation buffer requirement, which will increase the three risk-based capital ratios by 0.625% each year through 2019, at which point, the common equity tier 1 risk based, tier 1 risk-based and total risk-based capital ratios will be 7.0%, 8.5% and 10.5%, respectively. If the capital conservation buffer were in effect at June 30, 2015 , the Company and Bank would exceed the requirement.

EMPLOYMENT AGREEMENTS AND EMPLO

EMPLOYMENT AGREEMENTS AND EMPLOYEE BENEFIT PLANS	12 Months Ended
	Jun. 30, 2015
Compensation Related Costs [Abstract]
EMPLOYEE AGREEMENTS AND EMPLOYEE BENEFIT PLANS	EMPLOYMENT AGREEMENTS AND EMPLOYEE BENEFIT PLANS Employment Agreements . On May 26, 2011 , the Company entered into an Amended and Restated Employment Agreement (the “Agreement”) with Mr. Gregory Garrabrants as President and Chief Executive Officer of the Company. The Agreement, effective as of May 26, 2011 , amends and restates that employment agreement between the Company and Mr. Garrabrants on October 22, 2007 . The term of the Employment Agreement runs through June 30, 2015 . Under the Agreement, after July 1, 2011 , Mr. Garrabrants will receive an annual base salary of $375 . Contingent upon shareholder approval, the Agreement also provides for, an Annual Cash Incentive Award based upon five performance objectives set by the Company which will be individually measured at the end of each fiscal year and could aggregate to an amount between 0% and 105% of Mr. Garrabrants’ base salary and an Annual Restricted Stock Unit Award equal to 40,000 shares of common stock multiplied by a factor ranging from 0 to 3 based upon the Company’s annual return on average common equity, annual asset growth and certain monthly-agreed qualitative factors established by the Company. Upon termination of the Employment Agreement by the Company “without cause” or by Mr. Garrabrants for “good reason” (as such terms are defined in the Employment Agreement), Mr. Garrabrants will be entitled to (a) an amount in cash equal to two times his base salary, (b) a pro-rated portion of his target annual cash incentive award, (c) accelerated vesting of his equity incentive awards outstanding, including restricted stock unit awards, (d) at the Company’s election, either a pro-rated portion of his annual restricted stock unit award based upon the Company’s return on equity, or an equivalent amount in cash, and (e) continuation of health benefits for up to twelve months. On April 22, 2010 , the Company and Andrew J. Micheletti, the Company’s Executive Vice President and Chief Financial Officer, entered into a material definitive agreement entitled First Amended Employment Agreement (the “Amended Agreement”). Mr. Micheletti’s original employment agreement was effective July 1, 2003 , and the Amended Agreement replaces the original agreement effective July 1, 2009 . The Amended Agreement adds two achievement-based awards; an annual cash bonus target of 30% of current salary based upon specific performance measurements and provides a return on equity benefit of 15,000 shares of the Company’s common stock. The return on equity benefit is based upon the Company’s achievement of certain levels of return on equity as calculated at the end of each fiscal year. The annual award of common stock units under the return on equity benefit will vest over three years and each year the 15,000 share base award will be adjusted down or up by a series of multiplication factors (ranging from 0 , up to 3.4 times) depending on the level of return on equity the Company achieves in each fiscal year. Both the cash bonus and the return on equity benefits require approval by the Board of Directors and the Chief Executive Officer annually under the Amended Agreement. These benefits replaced the deferred compensation and pre-tax net income benefits established in Mr. Micheletti’s original agreement in 2003 . 401(k) Plan . The Company has a 401(k) plan whereby substantially all of its employees may participate in the plan. Employees may contribute up to 15% of their compensation subject to certain limits based on federal tax laws. The Company expects to implement an employer matching program whereby employer contributions are made to the 401(k) plan. For the 401(k) plan year ending December 31, 2015, the Company plans to make employer contributions in an amount equal to 50% of the first 8% of an employee’s designated deferral of their eligible compensation. For the fiscal year ended June 30, 2015 , 2014 , and 2013 expense attributable to the plan amounted to $110 , $1 , and $7 , respectively. Deferred Compensation Plans . Effective August 1, 2003 , the Company adopted the Bank of Internet USA Nonqualified Deferred Compensation Plans (“Deferred Compensation Plans”) which cover designated key management employees and directors who elect to participate. The Deferred Compensation Plans allow eligible employees and directors to elect to defer up to 100% of their compensation, including commissions, bonuses and director fees. Although the Deferred Compensation Plans provide that the Company may make discretionary contributions to a participant’s account, no such discretionary contributions have been made through June 30, 2015 . Participant deferrals are fully vested at all times, and discretionary contributions, if any, will be subject to a vesting schedule specified by the Company. Participants in the Deferred Compensation Plans may elect to invest their accounts in either of two accounts: (1) which earns interest based upon the prime rate; or (2) which mirrors the performance of the book value of the Company’s common stock. The Compensation Committee of the Board of Directors administrates the Deferred Compensation Plans. At June 30, 2015 and 2014 , there was $0 and $0 deferred in connection with the Deferred Compensation Plans.

PARENT-ONLY CONDENSED FINANCIAL

PARENT-ONLY CONDENSED FINANCIAL INFORMATION	12 Months Ended
	Jun. 30, 2015
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
PARENT-ONLY CONDENSED FINANCIAL INFORMATION	PARENT-ONLY CONDENSED FINANCIAL INFORMATION The following BofI Holding, Inc. (Parent company only) financial information should be read in conjunction with the consolidated financial statements of the Company and the other notes to the consolidated financial statements: BofI Holding, Inc. CONDENSED BALANCE SHEETS At June 30, (Dollars in thousands) 2015 2014 ASSETS Cash and cash equivalents $ 22,729 $ 3,049 Loans 39 34 Investment securities 204 88 Other assets 6,155 4,184 Due from subsidiary 3 86 Investment in subsidiary 513,701 372,074 Total assets $ 542,831 $ 379,515 LIABILITIES AND STOCKHOLDERS’ EQUITY Junior subordinated debentures $ 5,155 $ 5,155 Accrued interest payable 14 15 Accounts payable and accrued liabilities 4,136 3,567 Total liabilities 9,305 8,737 Stockholders’ equity 533,526 370,778 Total liabilities and stockholders’ equity $ 542,831 $ 379,515 BofI Holding, Inc. STATEMENTS OF INCOME Year Ended June 30, (Dollars in thousands) 2015 2014 2013 Interest income $ 111 $ 82 $ 130 Interest expense 143 143 151 Net interest (expense) income (32 ) (61 ) (21 ) Provision for loan losses — — — Net interest (expense) income, after provision for loan losses (32 ) (61 ) (21 ) Non-interest income (loss) (9 ) (3 ) (112 ) Non-interest expense 4,678 3,218 2,532 Income (loss) before dividends from subsidiary and equity in undistributed income of subsidiary (4,719 ) (3,282 ) (2,665 ) Dividends from subsidiary — 2,600 1,300 Equity in undistributed earnings of subsidiary 87,401 56,638 41,656 Net income $ 82,682 $ 55,956 $ 40,291 Comprehensive income $ 83,649 $ 56,390 $ 34,926 BofI Holding, Inc. STATEMENT OF CASH FLOWS Year Ended June 30, (Dollars in thousands) 2015 2014 2013 CASH FLOWS FROM OPERATING ACTIVITIES: Net income $ 82,682 $ 55,956 $ 40,291 Adjustments to reconcile net income to net cash used in operating activities: Accretion of discounts on securities (69 ) (41 ) (70 ) Impairment charge on securities 9 56 113 Accretion of discounts on loans (12 ) (12 ) (10 ) Stock-based compensation expense 6,648 4,358 3,297 Tax effect from exercise of common stock options and vesting of restricted stock grants (5,526 ) (4,856 ) (2,332 ) Equity in undistributed earnings of subsidiary (85,368 ) (72,296 ) (41,693 ) Decrease (increase) in other assets (1,972 ) (2,400 ) (442 ) Increase (decrease) in other liabilities (3,702 ) (616 ) (8 ) Net cash provided by (used in) operating activities (7,310 ) (19,851 ) (854 ) CASH FLOWS FROM INVESTING ACTIVITIES: Proceeds from principal repayments on loans 7 9 5 Investment in subsidiary (55,000 ) (42,073 ) (20,000 ) Net cash used in investing activities (54,993 ) (42,064 ) (19,995 ) CASH FLOWS FROM FINANCING ACTIVITIES: Proceeds from issuance of convertible preferred stock—Series B & C — — 18,544 Proceeds from exercise of common stock options 781 500 260 Proceeds from issuance of common stock 75,985 41,576 6,765 Tax effect from exercise of common stock options and vesting of restricted stock grants 5,526 4,856 2,332 Cash dividends on preferred stock (309 ) (309 ) (1,137 ) Net cash provided by (used in) financing activities 81,983 46,623 26,764 NET CHANGE IN CASH AND CASH EQUIVALENTS 19,680 (15,292 ) 5,915 CASH AND CASH EQUIVALENTS—Beginning of year 3,049 18,341 12,426 CASH AND CASH EQUIVALENTS—End of year $ 22,729 $ 3,049 $ 18,341

QUARTERLY FINANCIAL INFORMATION

QUARTERLY FINANCIAL INFORMATION (UNAUDITED)	12 Months Ended
	Jun. 30, 2015
Quarterly Financial Information Disclosure [Abstract]
QUARTERLY FINANCIAL INFORMATION (UNAUDITED)	QUARTERLY FINANCIAL INFORMATION (UNAUDITED) Quarters Ended in Fiscal Year 2015 (Dollars in thousands) June 30, March 31, December 31, September 30, Interest and dividend income $ 67,567 $ 62,911 $ 59,081 $ 54,805 Interest expense 12,273 12,246 10,970 9,930 Net interest income 55,294 50,665 48,111 44,875 Provision for loan losses 2,900 2,900 2,900 2,500 Net interest income after provision for loan losses 52,394 47,765 45,211 42,375 Non-interest income 10,278 8,366 6,697 5,249 Non-interest expense 20,752 20,343 18,937 17,446 Income before income taxes 41,920 35,788 32,971 30,178 Income tax expense 17,525 14,714 13,599 12,337 Net income $ 24,395 $ 21,074 $ 19,372 $ 17,841 Net income attributable to common stock $ 24,318 $ 20,997 $ 19,294 $ 17,764 Basic earnings per share $ 1.55 $ 1.35 $ 1.27 $ 1.20 Diluted earnings per share $ 1.54 $ 1.35 $ 1.26 $ 1.20 Quarters Ended in Fiscal Year 2014 (Dollars in thousands) June 30, March 31, December 31, September 30, Interest and dividend income $ 50,142 $ 45,163 $ 41,227 $ 36,346 Interest expense 9,646 9,500 8,400 8,236 Net interest income 40,496 35,663 32,827 28,110 Provision for loan losses 2,250 1,600 1,000 500 Net interest income after provision for loan losses 38,246 34,063 31,827 27,610 Non-interest income 4,723 5,212 5,543 6,976 Non-interest expense 15,766 14,347 15,304 14,514 Income before income taxes 27,203 24,928 22,066 20,072 Income tax expense 11,193 10,318 8,912 7,890 Net income $ 16,010 $ 14,610 $ 13,154 $ 12,182 Net income attributable to common stock $ 15,933 $ 14,533 $ 13,077 $ 12,104 Basic earnings per share $ 1.09 $ 1.00 $ 0.92 $ 0.85 Diluted earnings per share $ 1.09 $ 1.00 $ 0.91 $ 0.85

ORGANIZATIONS AND SUMMARY OF 28

ORGANIZATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Jun. 30, 2015
Accounting Policies [Abstract]
Basis of Presentation and Consolidation	Basis of Presentation and Consolidation . The consolidated financial statements include the accounts of BofI Holding, Inc. and its wholly owned subsidiary, BofI Federal Bank (collectively, the “Company”). All significant intercompany balances have been eliminated in consolidation. Certain reclassifications were made to previously reported amounts in the unaudited condensed consolidated financial statements and notes thereto to make them consistent with the current period presentation.
Use of Estimates	Use of Estimates . In preparing consolidated financial statements in conformity with accounting principles generally accepted in the United States of America, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and reported amounts of revenues and expenses during the reporting period. Actual results may differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the assessment for other-than-temporary impairment on investment securities and the fair value of certain financial instruments.
Cash and cash equivalents	Cash and cash equivalents. The Bank’s cash, due from banks, money market mutual funds and federal funds sold, all of which have original maturities within 90 days, consist of cash and cash equivalents. Net cash flows are reported for customer deposit transactions.
Restrictions on Cash	Restrictions on Cash . Federal Reserve Board regulations require depository institutions to maintain certain minimum reserve balances.
Interest Rate Risk	Interest Rate Risk . The Bank’s assets and liabilities are generally monetary in nature and interest rate changes have an effect on the Bank’s performance. The Bank decreases the effect of interest rate changes on its performance by striving to match maturities and interest sensitivity between loans and deposits. A significant change in interest rates could have a material effect on the Bank’s results of operations.
Concentration of Credit Risk	Concentration of Credit Risk. The Bank’s loan portfolio was collateralized by various forms of real estate with approximately 66.4% of the mortgage portfolio located in California at June 30, 2015 . The Bank’s loan portfolio contains concentrations of credit in multifamily, single family, commercial, and home equity loans. The Bank believes its underwriting standards combined with its low LTV requirements substantially mitigate the risk of loss which may result from these concentrations.
Securities	Securities . Debt securities are classified as held-to-maturity and carried at amortized cost when management has both the positive intent and ability to hold them to maturity. Debt securities are classified as available-for-sale when they might be sold before maturity. Trading securities refer to certain types of assets that banks hold for resale at a profit or when the Company elects to account for certain securities at fair value. Increases or decreases in the fair value of trading securities are recognized in earnings as they occur. Securities available-for-sale are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income, net of tax. Gains and losses on securities sales are based on a comparison of sales proceeds and the amortized cost of the security sold using the specific identification method. Purchases and sales are recognized on the trade date. Interest income includes amortization of purchase premiums or discounts. Premiums and discounts on securities are amortized or accreted using the level-yield method without anticipating prepayments, except for mortgage-backed securities where prepayments are anticipated. The Company’s portfolios of held-to-maturity and available-for-sale securities are reviewed quarterly for other-than-temporary impairment. In performing this review, management considers (1) the length of time and extent that fair value has been less than amortized cost, (2) the financial condition and near term prospects of the issuer, (3) the impact of changes in market interest rates on the market value of the security and (4) how to record an impairment by assessing whether the Company intends to sell it or is more likely than not that it will be required to sell a security in an unrealized loss position before the Company recovers the security’s amortized cost. If either of these criteria for (4) is met, the entire difference between amortized cost and fair value is recognized in earnings. Alternatively, if the criteria for (4) is not met, the amount of impairment recognized in earnings is limited to the amount related to credit losses, while impairment related to other factors is recognized in other comprehensive income. The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis.
Loans	Loans . Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of unearned interest, deferred purchase premiums and discounts, deferred loan origination fees and costs, and an allowance for loan losses. Interest income is accrued on the unpaid principal balance. Premiums and discounts on loans purchased as well as loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level-yield method. Recognition of interest income on all portfolio segments is generally discontinued at the time the loan is 90 days delinquent unless the loan is well secured and in process of collection. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not received for loans placed on nonaccrual, is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost recovery method, until qualifying for return to accrual status. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
Loans Held for Sale	Loans Held for Sale . U.S. government agency (“agency”) loans originated and intended for sale in the secondary market are carried at fair value. Net unrealized gains and losses are recognized through the income statement. The Bank sells its mortgage loans with either servicing released or servicing retained depending upon market pricing. Gains and losses on loan sales are recorded as mortgage banking income, based on the difference between sales proceeds and carrying value. Non-agency loans held for sale as of June 30, 2015 were carried at the lower of cost or fair value. Loans that were originated with the intent and ability to hold for the foreseeable future (loans held in portfolio) but which have been subsequently designated as being held for sale for risk management or liquidity needs are carried at the lower of cost or fair value calculated using pools of loans with similar characteristics. There may be times when loans have been classified as held for sale and for some reason cannot be sold. Loans transferred to a long-term investment classification from held-for-sale are transferred at the lower of cost or market value on the transfer date. Any difference between the carrying amount of the loan and its outstanding principal balance is recognized as an adjustment to yield by the interest method. A loan cannot be classified as a long-term investment unless the Bank has both the ability and the intent to hold the loan for the foreseeable future or until maturity.
Allowance for Loan Losses	Allowance for Loan Losses . The allowance for loan losses is maintained at a level estimated to provide for probable incurred losses in the loan portfolio. Management determines the adequacy of the allowance based on reviews of individual loans and pools of loans, recent loss experience, current economic conditions, the risk characteristics of the various categories of loans and other pertinent factors. This evaluation is inherently subjective and requires estimates that are susceptible to significant revision as more information becomes available. The allowance is increased by the provision for loan losses, which is charged against current period operating results and recoveries of loans previously charged-off. The allowance is decreased by the amount of charge-offs of loans deemed uncollectible. Allocations of the allowance may be made for specific loans but the entire allowance is available for any loan that, in management’s judgment, should be charged off. The allowance for loan loss includes specific and general reserves. Specific reserves are provided for impaired loans considered Troubled Debt Restructurings (“TDRs”). All other impaired loans are written down through charge-offs to the fair value of collateral, less estimated selling cost, and no specific or general reserve is provided. A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which terms have been modified resulting in a concession and for which the borrower is experiencing financial difficulties are considered TDRs and classified as impaired. A loan is measured for impairment generally two different ways. If the loan is primarily dependent upon the borrower to make payments, then impairment is calculated by comparing the present value of the expected future payments discounted at the effective loan rate to the carrying value of the loan. If the loan is collateral dependent, the net proceeds from the sale of the collateral is compared to the carrying value of the loan. If the calculated amount is less than the carrying value of the loan, the loan has impairment. A general reserve is included in the allowance for loan loss and is determined by adding the results of a quantitative and a qualitative analysis to all other loans not measured for impairment at the reporting date. The quantitative analysis determines the Bank’s actual annual historic charge-off rates for the previous three fiscal years and applies the average historic rates to the outstanding loan balances in each pool, the product of which is the general reserve amount. The qualitative analysis considers one or more of the following factors: changes in lending policies and procedures, changes in economic conditions, changes in the content of the portfolio, changes in lending management, changes in the volume of delinquency rates, changes to the scope of the loan review system, changes in the underlying collateral of the loans, changes in credit concentrations and any changes in the requirements to the credit loss calculations. A loss rate is estimated and applied to those loans affected by the qualitative factors. The following portfolio segments have been identified: single family secured mortgage, home equity secured mortgage, single family warehouse and other, multi-family secured mortgage, commercial real estate and land secured mortgage, recreational vehicles and auto secured, factoring, commercial and industrial (“C&I”) and other. General loan loss reserves are calculated by grouping each mortgage loan by collateral type and by grouping the LTV ratios of each loan within the collateral type. An estimated allowance rate for each LTV group within each type of loan is multiplied by the total principal amount in the group to calculate the required general reserve attributable to that group. Management uses an allowance rate that provides a larger loss allowance for loans with greater LTV ratios. General loan loss reserves for C&I loans are determined through a loan level grading system to base its projected loss rates. A matrix was created with a base loss rate with additional potential industry and volume risk adjustments, to calculate a loss rating for each deal. Given the lack of historical loss experience for this segment at the Company, an allowance loss range is based upon historical peer loss rates. General loan loss reserves for consumer loans are calculated by grouping each loan by credit score (e.g. FICO) at origination and applying an estimated allowance rate to each group. In addition to credit score grading, general loan loss reserves are increased for all consumer loans determined to be 90 days or more past due. Specific reserves or direct charge-offs are calculated when an internal asset review of a loan identifies a significant adverse change in the financial position of the borrower or the value of the collateral. The specific reserve or direct charge-off is based on discounted cash flows, observable market prices or the estimated value of underlying collateral. Specific loan charge-offs on impaired loans are recorded as a write-off and a decrease to the allowance in the period the impairment is identified. A loan is classified as a TDR when management determines that an existing borrower is in financial distress and the borrower’s loan terms are modified to provide the borrower a financial concession (e.g. lower payment) that would not otherwise be provided by another lender based upon borrower’s current financial condition. TDRs are separately identified for impairment disclosures and are measured at the present value of estimated future cash flows using the loan’s effective rate at inception. If a TDR is considered to be a collateral dependent loan, the loan is reported, net, at the fair value of the collateral less cost to sell. For TDRs that subsequently default, the Company determines the amount of reserve in accordance with the accounting policy for the allowance for loan losses. If the present value of estimated cash flows under the modified terms of a TDR discounted at the original loan effective rate is less than the book value of the loan before the TDR, the excess is specifically allocated to the loan in the allowance for loan losses.
Mortgage Servicing Rights	Mortgage Servicing Rights. Mortgage servicing rights are recorded as separate assets on our consolidated balance sheets when the Company retains the right to service loans that we have sold.
Mortgage Banking Derivatives	Mortgage Banking Derivatives. Commitments to fund mortgage loans (interest rate locks) to be sold into the secondary market and forward commitments for the future delivery of these mortgage loans are accounted for as free standing derivatives. Fair values of these mortgage derivatives are estimated based on changes in mortgage interest rates from the date the interest on the loan is locked. The Company enters into forward commitments for the future delivery of mortgage loans when interest rate locks are entered into, in order to hedge the change in interest rates resulting from its commitments to fund the loans. Changes in the fair values of these derivatives are included in mortgage banking income.
Furniture, Equipment and Software	Furniture, Equipment and Software . Fixed asset purchases in excess of five hundred dollars are capitalized and recorded at cost. Depreciation is computed using the straight-line method over the estimated useful lives of the assets, which are three to seven years. Leasehold improvements are amortized over the lesser of the assets’ useful lives or the lease term.
Income Taxes	Income Taxes . Income tax expense is the total of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred income tax assets and liabilities are determined using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is determined based on the tax effects of the temporary differences between the book and tax bases of the various balance sheet assets and liabilities and gives current recognition to changes in tax rates and laws. The Company records a valuation allowance when management believes it is more likely than not that deferred tax assets will not be realized. An income tax position will be recognized as a benefit only if it is more likely than not that it will be sustained upon IRS examination, based upon its technical merits. Once that status is met, the amount recorded will be the largest amount of benefit that is greater than 50 percent likely of being realized upon ultimate settlement. The Company recognizes interest and/or penalties related to income tax matters in the income tax expense.
Earnings per Share	Earnings per Share . Earnings per share (“EPS”) are presented under two formats: basic EPS and diluted EPS. Basic EPS is computed by dividing the net income attributable to common stock (net income after deducting dividends on preferred stock) by the sum of the weighted-average number of common shares outstanding during the year and the unvested average of restricted stock unit shares. Diluted EPS is computed by dividing the sum of net income attributable to common stock and dividends on diluted preferred stock by the sum of the weighted-average number of common shares outstanding during the year and the impact of dilutive potential common shares, such as stock options and convertible preferred stock.
Stock-Based Compensation	Stock-Based Compensation . Compensation cost is recognized for stock options and restricted stock awards issued to employees, based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate fair value of the stock options, while market price of the Company’s common stock at the date of grant is used for restricted stock awards. Compensation cost is recognized over the required service period, generally defined as the vesting period. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award.
Federal Home Loan Bank (FHLB) stock	Federal Home Loan Bank (“FHLB”) stock . The Bank is a member of the FHLB system. Members are required to own a certain amount of FHLB stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value.
Cash Surrender Value of Life Insurance	Cash Surrender Value of Life Insurance . The Bank has purchased life insurance policies on certain key executives. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other amounts due that are probable at settlement.
Loan Commitments and Related Financial Instruments	Loan Commitments and Related Financial Instruments . Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded.
Comprehensive Income	Comprehensive Income . Comprehensive income consists of net income and other comprehensive income. Other comprehensive income includes unrealized gains and losses on securities available-for-sale, which are also recognized as separate components of equity.
Loss Contingencies	Loss Contingencies . Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated. Management does not believe there are now such matters that will have a material effect on the financial statements.
Dividend Restriction	Dividend Restriction . Banking regulations require maintaining certain capital levels and may limit the dividends paid by the Bank to the holding company.
Fair Value of Financial Instruments	Fair Value of Financial Instruments . Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 2. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect the estimates.
Operating Segments	Operating Segments . While the chief decision-makers monitor the revenue streams of the various products and services, operations are managed and financial performance is evaluated on a Company-wide basis. Accordingly, all of the financial service operations are considered by management to be aggregated in one reportable operating segment.
New Accounting Pronouncements	New Accounting Pronouncements. In January 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2014-01, “Investments – Equity Method and Joint Ventures (Topic 323), Accounting for Investments in Qualified Affordable Housing Projects.” The amendments in ASU No. 2014-01 provide guidance on accounting for investments by a reporting entity in flow-through limited liability entities that manage or invest in affordable housing projects that qualify for a low-income housing tax credit. The amendments permit reporting entities to make an accounting policy election to account for their investments in qualified affordable housing projects using the proportional amortization method if certain conditions are met. The decision to apply the proportionate amortization method of accounting should be applied consistently to all qualifying affordable housing project investments. A reporting entity that uses the effective yield or other method to account for its investments in qualified affordable housing projects before the date of adoption may continue to apply such method to those preexisting investments. The amendments are effective for annual and interim periods, beginning after December 15, 2014. The Company adopted this accounting standard for the quarter ended March 31, 2015, with no material impact on its financial statements anticipated.

FAIR VALUE (Tables)

FAIR VALUE (Tables)	12 Months Ended
	Jun. 30, 2015
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Assets and Liabilities Measured on Recurring Basis	The following table sets forth the Company’s financial assets and liabilities measured at fair value on a recurring basis. Assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement: June 30, 2015 (Dollars in thousands) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Total ASSETS: Securities—Trading: Collateralized Debt Obligations $ — $ — $ 7,832 $ 7,832 Securities—Available-for-Sale: Agency Debt — — — — Agency RMBS — 43,491 — 43,491 Non-Agency RMBS — — 26,633 26,633 Municipal — 22,035 — 22,035 Other Debt Securities — 71,202 — 71,202 Total—Securities—Available-for-Sale $ — $ 136,728 $ 26,633 $ 163,361 Loans Held for Sale $ — $ 25,430 $ — $ 25,430 Mortgage servicing rights $ — $ — $ 2,098 $ 2,098 Other assets—Derivative instruments $ — $ — $ 2,261 $ 2,261 LIABILITIES: Other liabilities—Derivative instruments $ — $ — $ — $ — June 30, 2014 (Dollars in thousands) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Total ASSETS: Securities—Trading: Collateralized Debt Obligations $ — $ — $ 8,066 $ 8,066 Securities—Available-for-Sale: Agency Debt — — — — Agency RMBS — 59,880 — 59,880 Non-Agency RMBS — — 37,409 37,409 Municipal — 28,943 — 28,943 Other Debt Securities — 88,546 — 88,546 Total—Securities—Available-for-Sale $ — $ 177,369 $ 37,409 $ 214,778 Loans Held for Sale $ — $ 20,575 $ — $ 20,575 Mortgage servicing rights $ — $ — $ 562 $ 562 Other assets—Derivative Instruments $ — $ — $ 1,364 $ 1,364 LIABILITIES: Other liabilities—Derivative instruments $ — $ — $ 489 $ 489
Level 3, Fair Value, Assets Measured on Recurring Basis	The following table presents additional information about assets measured at fair value on a recurring basis and for which the Company has utilized Level 3 inputs to determine fair value: Year Ended June 30, 2015 (Dollars in thousands) Securities- Securities- Mortgage Servicing Rights Derivative Instruments, net Total Assets: Opening Balance $ 8,066 $ 37,409 $ 562 $ 875 $ 46,912 Transfers into Level 3 — — — — — Transfers out of Level 3 — — — — — Total gains or losses for the period: Included in earnings—Fair value gain(loss) on trading securities (234 ) — — — (234 ) Included in earnings—Mortgage banking income — — (265 ) 1,386 1,121 Included in other comprehensive income — (1,325 ) — — (1,325 ) Purchases, issues, sales and settlements: — Purchases — — 1,801 — 1,801 Issues — — — — — Sales — — — — — Settlements — (8,518 ) — — (8,518 ) Other-than-temporary impairment — (933 ) — — (933 ) Closing balance $ 7,832 $ 26,633 $ 2,098 $ 2,261 $ 38,824 Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period $ (234 ) $ (1,325 ) $ (265 ) $ 1,386 $ (438 ) Year Ended June 30, 2014 (Dollars in thousands) Securities- Securities- Mortgage Servicing Rights Derivative Instruments, net Total Assets: Opening Balance $ 7,111 $ 49,284 $ — $ 2,222 $ 58,617 Transfers into Level 3 — — — — — Transfers out of Level 3 — — — — — Total gains or losses for the period: Included in earnings—Fair value gain(loss) on trading securities 955 — — — 955 Included in earnings—Mortgage banking income — — 45 (1,347 ) (1,302 ) Included in other comprehensive income — (125 ) — — (125 ) Purchases, issues, sales and settlements: — Purchases — — — — — Issues — — 529 — 529 Sales — — — — — Settlements — (11,534 ) (12 ) — (11,546 ) Other-than-temporary impairment — (216 ) — — (216 ) Closing balance $ 8,066 $ 37,409 $ 562 $ 875 $ 46,912 Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period $ 955 $ — $ 45 $ (1,347 ) $ (347 )
Level 3, Change in Unrealized Gain (Loss) and Interest income Included in Earnings	The table below summarizes changes in unrealized gains and losses and interest income recorded in earnings for Level 3 trading assets and liabilities that are still held at the periods indicated: Year Ended June 30, (Dollars in thousands) 2015 2014 2013 Interest income on investments $ 223 $ 230 $ 253 Fair value adjustment (234 ) 955 1,274 Total $ (11 ) $ 1,185 $ 1,527
Fair Value Assets Measured on Nonrecurring Basis	The table below summarizes the fair value of assets measured for impairment on a non-recurring basis: June 30, 2015 (Dollars in thousands) Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Balance Impaired Loans: Single family real estate secured: Mortgage $ — $ — $ 23,059 $ 23,059 Home equity — — 9 9 Multifamily real estate secured — — 5,399 5,399 Commercial real estate secured — — 2,128 2,128 Auto and RV secured — — 453 453 Total $ — $ — $ 31,048 $ 31,048 Other real estate owned and foreclosed assets: Single family real estate secured $ — $ — $ 463 $ 463 Multifamily real estate secured — — 762 762 Auto and RV secured — — 15 15 Total $ — $ — $ 1,240 $ 1,240 HTM Securities-Non Agency MBS $ — $ — $ 88,094 $ 88,094 June 30, 2014 (Dollars in thousands) Quoted Prices in Significant Other Significant Balance Impaired Loans: Single family real estate secured: Mortgage $ — $ — $ 13,385 $ 13,385 Home equity — — 168 168 Multifamily real estate secured — — 4,301 4,301 Commercial real estate secured — — 4,376 4,376 Auto and RV secured — — 534 534 Total $ — $ — $ 22,764 $ 22,764 Other real estate owned and foreclosed assets: Single family real estate secured $ — $ — $ — $ — Multifamily real estate secured — — — — Auto and RV secured — — 75 75 Total $ — $ — $ 75 $ 75 HTM Securities-Non Agency MBS $ — $ — $ 91,297 $ 91,297
Fair Value, Loans Held For Sale	The aggregate fair value, contractual balance (including accrued interest), and gain was as follows: At June 30, (Dollars in thousands) 2015 2014 2013 Aggregate fair value $ 25,430 $ 20,575 $ 36,665 Contractual balance 24,886 20,138 36,070 Gain $ 544 $ 437 $ 595 The total amount of gains and losses from changes in fair value included in earnings for the period indicated below for loans held for sale were: At June 30, (Dollars in thousands) 2015 2014 2013 Interest income $ 671 $ 545 $ 1,314 Change in fair value 1,505 (1,526 ) 353 Total change in fair value $ 2,176 $ (981 ) $ 1,667
Fair Value, by Balance Sheet Grouping	The carrying amount and estimated fair values of financial instruments at year-end were as follows: June 30, 2015 (Dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Fair Value Financial assets: Cash and cash equivalents $ 222,874 $ 222,874 $ — $ — $ 222,874 Securities trading 7,832 — — 7,832 7,832 Securities available-for-sale 163,361 — 136,728 26,633 163,361 Securities held-to-maturity 225,555 — 83,441 144,882 228,323 Loans held for sale, at fair value 25,430 — 25,430 — 25,430 Loans held for sale, at lower of cost or fair value 77,891 — — 77,932 77,932 Loans held for investment—net 4,928,618 — — 5,011,596 5,011,596 Accrued interest receivable 20,268 — — 20,268 20,268 Mortgage servicing rights 2,098 — — 2,098 2,098 Financial liabilities: Time deposits and savings 4,451,917 — 4,385,034 — 4,385,034 Securities sold under agreements to repurchase 35,000 — 37,489 — 37,489 Advances from the Federal Home Loan Bank 753,000 — 757,265 — 757,265 Subordinated debentures 5,155 — 5,155 — 5,155 Accrued interest payable 1,266 — 1,266 — 1,266 June 30, 2014 (Dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Fair Value Financial assets: Cash and cash equivalents $ 155,584 $ 155,584 $ — $ — $ 155,584 Securities trading 8,066 — — 8,066 8,066 Securities available-for-sale 214,778 — 177,369 37,409 214,778 Securities held-to-maturity 247,729 — 89,409 154,557 243,966 Loans held for sale, at fair value 20,575 — 20,575 20,575 Loans held for sale, at lower of cost or fair value 114,796 — — 114,840 114,840 Loans held for investment—net 3,532,841 — — 3,632,841 3,632,841 Accrued interest receivable 13,863 — — 13,863 13,863 Mortgage servicing rights 562 — — 562 562 Financial liabilities: Time deposits and savings 3,041,536 — 3,066,830 — 3,066,830 Securities sold under agreements to repurchase 45,000 — 48,883 — 48,883 Advances from the Federal Home Loan Bank 910,000 — 917,184 — 917,184 Subordinated debentures 5,155 — 5,284 — 5,284 Accrued interest payable 1,350 — 1,350 — 1,350
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Inputs, Assets, Quantitative Information	The table below summarizes the quantitative information about Level 3 fair value measurements at the periods indicated: June 30, 2015 (Dollars in thousands) Fair Value Valuation Technique Unobservable Inputs Range (Weighted Average) Securities – Trading $ 7,832 Discounted Cash Flow Total Projected Defaults, Discount Rate over Treasury 18.8 to 29.8% (24.6%) 4.8 to 4.8% (4.8%) Securities – Non-agency MBS $ 26,633 Discounted Cash Flow Projected Constant Prepayment Rate, Projected Constant Default Rate, Projected Loss Severity, Discount Rate over LIBOR 6.3 to 29.5% (13.0%) 1.5 to 19.6% (5.6%) 37.6 to 66.5% (51.1%) 2.4 to 3.0% (2.9%) Mortgage Servicing Rights $ 2,098 Discounted Cash Flow Projected Constant Prepayment Rate, Life (in years), Discount Rate 4.4 to 19.2% (7.7%) 4.3 to 8.3 (7.4) 9.5 to 10.5% (9.7%) Derivative Instruments $ 2,261 Sales Comparison Approach Projected Sales Profit of Underlying Loans 0.5 to 1.3% (0.8%) June 30, 2014 (Dollars in thousands) Fair Value Valuation Technique Unobservable Inputs Range (Weighted Average) Securities – Trading $ 8,066 Discounted Cash Flow Total Projected Defaults, Discount Rate over Treasury 19.0 to 26.6% (23.1%) 4.0 to 4.0% (4.0%) Securities – Non-agency MBS $ 37,409 Discounted Cash Flow Projected Constant Prepayment Rate, 0.1 to 27.8% (10.0%) 0.0 to 21.7% (5.6%) 1.6 to 87.9% (61.7%) 2.5 to 8.4% (5.2%) Mortgage Servicing Rights $ 562 Discounted Cash Flow Projected Constant Prepayment Rate, 5.6 to 7.4% (7.4%) Derivative Instruments $ 875 Sales Comparison Approach Projected Sales Profit of Underlying Loans 0.5 to 1.5%
Fair Value, Measurements, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value Inputs, Assets, Quantitative Information	The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at the periods indicated: June 30, 2015 (Dollars in thousands) Fair Value Valuation Technique Unobservable Input Range (Weighted Average) 1 Impaired Loans: Single family real estate secured: Mortgage $ 23,059 Sales comparison approach Adjustment for differences between the comparable sales -52.5 to 53.7% (3.9%) Home equity $ 9 Sales comparison approach Adjustment for differences between the comparable sales -9.7 to 5.5% (-2.1%) Multifamily real estate secured $ 5,399 Sales comparison approach and income approach Adjustment for differences between the comparable sales and adjustments for differences in net operating income expectations, capitalization rate -73.4 to 80.6% (-8.3%) Commercial real estate secured $ 2,128 Sales comparison approach and income approach Adjustment for differences between the comparable sales and adjustments for differences in net operating income expectations, capitalization rate -66.5 to 81.1% (-10.3%) Auto and RV secured $ 453 Sales comparison approach Adjustment for differences between the comparable sales 0.0 to 66.2% (10.8%) Other real estate owned and foreclosed assets: Single family real estate secured: Mortgage $ 463 Sales comparison approach Adjustment for differences between the comparable sales -20.3 to 12.1% (-4.1%) Multifamily real estate secured $ 762 Sales comparison approach and income approach Adjustment for differences between the comparable sales and adjustments for differences in net operating income expectations, Capitalization rate -37.1 to 48.6% (5.7%) Auto and RV secured $ 15 Sales comparison approach Adjustment for differences between the comparable sales 0.0 to 20.7% (10.3%) HTM Securities – Non-agency MBS $ 88,094 Discounted cash flow Projected Constant Prepayment Rate, Projected Constant Default Rate, Projected Loss Severity, Discount Rate over LIBOR 5.0 to 43.8% (10.5%) 1.5 to 14.6% (6.7%) 15.0 to 65.5% (54.4%) 3.0 to 6.9% (5.8%) _____________________ 1 For impaired loans and other real estate owned the ranges shown may vary positively or negatively based on the comparable sales reported in the current appraisal. In certain instances, the range can be significant due to small sample sizes and in some cases the property being valued having limited comparable sales with similar characteristics at the time the current appraisal is conducted. June 30, 2014 (Dollars in thousands) Fair Value Valuation Technique Unobservable Input Range (Weighted Average) 1 Impaired Loans: Single family real estate secured: Mortgage $ 13,385 Sales comparison approach Adjustment for differences between the comparable sales -28.7 to 35.1% (1.3%) Home equity $ 168 Sales comparison approach Adjustment for differences between the comparable sales -20.0 to 42.7% (10.1%) Multifamily real estate secured $ 4,301 Sales comparison approach and income approach Adjustment for differences between the comparable sales and adjustments for differences in net operating income expectations, capitalization rate -43.3 to 65.0% (13.1%) Commercial real estate secured $ 4,376 Sales comparison approach and income approach Adjustment for differences between the comparable sales and adjustments for differences in net operating income expectations, capitalization rate -84.1 to 82.4% (-22.1%) Auto and RV secured $ 534 Sales comparison approach Adjustment for differences between the comparable sales 0.0 to 27.4% (10.3%) Other real estate owned and foreclosed assets: Single family real estate secured: Auto and RV secured $ 75 Sales comparison approach Adjustment for differences between the comparable sales -84.0 to 41.3% (-32.8%) HTM Securities – Non-agency MBS $ 91,297 Discounted cash flow Projected Constant Prepayment Rate, 0.1 to 16.3% (10.2%) _____________________ 1 For impaired loans and other real estate owned the ranges shown may vary positively or negatively based on the comparable sales reported in the current appraisal. In certain instances, the range can be significant due to small sample sizes and in some cases the property being valued having limited comparable sales with similar characteristics at the time the current appraisal is conducted.

SECURITIES (Tables)

SECURITIES (Tables)	12 Months Ended
	Jun. 30, 2015
Investments, Debt and Equity Securities [Abstract]
Marketable Securities	The amortized cost, carrying amount and fair value for the major categories of securities trading, available-for-sale, and held-to-maturity for the following periods were: June 30, 2015 Trading Available-for-sale Held-to-maturity (Dollars in thousands) Fair Value Amortized Cost Unrealized Gains Unrealized Losses Fair Value Carrying Amount Unrecognized Gains Unrecognized Losses Fair Value Mortgage-backed securities (RMBS): U.S agencies 1 $ — $ 43,738 $ 701 $ (948 ) $ 43,491 $ 41,993 $ 1,398 $ — $ 43,391 Non-agency 2 — 23,799 2,835 (1 ) 26,633 147,586 10,045 (12,749 ) 144,882 Total mortgage-backed securities — 67,537 3,536 (949 ) 70,124 189,579 11,443 (12,749 ) 188,273 Other debt securities: U.S. agencies 1 — — — — — — — — — Municipal — 21,731 390 (86 ) 22,035 35,976 4,074 — 40,050 Non-agency 7,832 70,216 1,271 (285 ) 71,202 — — — — Total other debt securities 7,832 91,947 1,661 (371 ) 93,237 35,976 4,074 — 40,050 Total debt securities $ 7,832 $ 159,484 $ 5,197 $ (1,320 ) $ 163,361 $ 225,555 $ 15,517 $ (12,749 ) $ 228,323 June 30, 2014 Trading Available-for-sale Held-to-maturity (Dollars in thousands) Fair Value Amortized Cost Unrealized Gains Unrealized Losses Fair Value Carrying Amount Unrecognized Gains Unrecognized Losses Fair Value Mortgage-backed securities (RMBS): U.S. agencies 1 $ — $ 60,670 $ 1,060 $ (1,850 ) $ 59,880 $ 47,982 $ 1,895 $ — $ 49,877 Non-agency 2 — 33,521 4,077 (189 ) 37,409 163,695 6,352 (15,490 ) 154,557 Total mortgage-backed securities — 94,191 5,137 (2,039 ) 97,289 211,677 8,247 (15,490 ) 204,434 Other debt securities: U.S. agencies 1 — — — — — — — — — Municipal — 28,522 425 (4 ) 28,943 36,052 3,480 — 39,532 Non-agency 8,066 87,913 687 (54 ) 88,546 — — — — Total other debt securities 8,066 116,435 1,112 (58 ) 117,489 36,052 3,480 — 39,532 Total debt securities $ 8,066 $ 210,626 $ 6,249 $ (2,097 ) $ 214,778 $ 247,729 $ 11,727 $ (15,490 ) $ 243,966 1 U.S. government-backed or government sponsored enterprises including Fannie Mae, Freddie Mac and Ginnie Mae. 2 Private sponsors of securities collateralized primarily by pools of 1-4 family residential first mortgages. Primarily super senior securities secured by prime, Alt-A or pay-option ARM mortgages.
Schedule of Unrealized Loss on Investments	The securities with unrealized losses, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position were as follows: June 30, 2015 Available-for-sale securities in loss position for Held-to-maturity securities in loss position for Less Than 12 Months More Than 12 Months Total Less Than 12 Months More Than 12 Months Total (Dollars in thousands) Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses RMBS: U.S. agencies $ 369 $ (2 ) $ 24,974 $ (946 ) $ 25,343 $ (948 ) $ — $ — $ — $ — $ — $ — Non-agency 1,275 (1 ) — — 1,275 (1 ) 23,450 (1,802 ) 67,090 (10,947 ) 90,540 (12,749 ) Total RMBS securities 1,644 (3 ) 24,974 (946 ) 26,618 (949 ) 23,450 (1,802 ) 67,090 (10,947 ) 90,540 (12,749 ) Other debt: U.S. agencies — — — — — — — — — — — — Municipal debt 1,358 (86 ) — — 1,358 (86 ) — — — — — — Non-agency 19,100 (285 ) — — 19,100 (285 ) — — — — — — Total other debt 20,458 (371 ) — — 20,458 (371 ) — — — — — — Total debt securities $ 22,102 $ (374 ) $ 24,974 $ (946 ) $ 47,076 $ (1,320 ) $ 23,450 $ (1,802 ) $ 67,090 $ (10,947 ) $ 90,540 $ (12,749 ) June 30, 2014 Available-for-sale securities in loss position for Held-to-maturity securities in loss position for Less Than 12 Months More Than 12 Months Total Less Than 12 Months More Than 12 Months Total (Dollars in thousands) Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses RMBS: U.S. agencies $ — $ — $ 25,498 $ (1,850 ) $ 25,498 $ (1,850 ) $ — $ — $ 1 $ — $ 1 $ — Non-agency 1,819 (33 ) 2,402 (157 ) 4,221 (190 ) 5,871 (400 ) 66,974 (15,090 ) 72,845 (15,490 ) Total RMBS securities 1,819 (33 ) 27,900 (2,007 ) 29,719 (2,040 ) 5,871 (400 ) 66,975 (15,090 ) 72,846 (15,490 ) Other debt: Municipal debt 47 — 2,257 (3 ) 2,304 (3 ) — — — — — — Non-agency 5,365 (48 ) 1,389 (6 ) 6,754 (54 ) — — — — — — Total other debt 5,412 (48 ) 3,646 (9 ) 9,058 (57 ) — — — — — — Total debt securities $ 7,231 $ (81 ) $ 31,546 $ (2,016 ) $ 38,777 $ (2,097 ) $ 5,871 $ (400 ) $ 66,975 $ (15,090 ) $ 72,846 $ (15,490 )
Other than Temporary Impairment, Credit Losses Recognized in Earnings	The following table summarizes amounts of anticipated credit loss recognized in the income statement through other-than-temporary impairment charges, which reduced non-interest income: At June 30, (Dollars in thousands) 2015 2014 2013 Beginning balance $ (18,138 ) $ (15,336 ) $ (11,835 ) Additions for the amounts related to the credit loss for which an other-than-temporary impairment was not previously recognized (742 ) (206 ) (323 ) Increases to the amount related to the credit loss for which other-than-temporary impairment was previously recognized (1,623 ) (2,596 ) (3,178 ) Ending balance $ (20,503 ) $ (18,138 ) $ (15,336 )
Schedule of Realized Gain (Loss)	The gross gains and losses realized through earnings upon the sale of available-for-sale securities were as follows: At June 30, (Dollars in thousands) 2015 2014 2013 Proceeds $ 9,614 $ 3,723 $ 2,775 Gross realized gains $ 587 $ — $ 420 Net gain on securities $ 587 $ — $ 420
Unrealized Gain (Loss) on Investments	The Company records unrealized gains and unrealized losses in accumulated other comprehensive loss as follows: At June 30, (Dollars in thousands) 2015 2014 Available-for-sale debt securities—net unrealized gains $ 3,877 $ 4,151 Available-for-sale debt securities—non-credit related (271 ) — Held-to-maturity debt securities—non-credit related (18,597 ) (21,433 ) Subtotal (14,991 ) (17,282 ) Tax benefit 5,592 6,916 Net unrealized loss on investment securities in accumulated other comprehensive loss $ (9,399 ) $ (10,366 )
Investments Classified by Contractual Maturity Date	The expected maturity distribution of the Company’s mortgage-backed securities and the contractual maturity distribution of the Company’s other debt securities classified as available-for-sale and held-to-maturity were: June 30, 2015 Available-for-sale Held-to-maturity Trading (Dollars in thousands) Amortized Cost Fair Value Carrying Amount Fair Value Fair Value RMBS—U.S. agencies 1 : Due within one year $ 4,338 $ 4,243 $ 1,371 $ 1,430 $ — Due one to five years 13,270 13,043 5,299 5,534 — Due five to ten years 10,508 10,439 6,123 6,388 — Due after ten years 15,622 15,766 29,200 30,039 — Total RMBS—U.S. agencies 1 43,738 43,491 41,993 43,391 — RMBS—Non-agency: Due within one year 5,119 5,505 23,553 23,344 — Due one to five years 10,729 11,751 44,775 44,317 — Due five to ten years 3,338 3,882 38,110 37,050 — Due after ten years 4,613 5,495 41,148 40,171 — Total RMBS—Non-agency 23,799 26,633 147,586 144,882 — Other debt: Due within one year 11,269 11,362 971 1,075 — Due one to five years 62,060 63,083 4,507 4,995 — Due five to ten years 11,046 11,124 7,075 7,848 — Due after ten years 7,572 7,668 23,423 26,132 7,832 Total other debt 91,947 93,237 35,976 40,050 7,832 Total $ 159,484 $ 163,361 $ 225,555 $ 228,323 $ 7,832 1 Residential mortgage-backed security (RMBS) distributions include impact of expected prepayments and other timing factors.

LOANS & ALLOWANCE FOR LOAN LO31

LOANS & ALLOWANCE FOR LOAN LOSSES (Tables)	12 Months Ended
	Jun. 30, 2015
Receivables [Abstract]
Schedule of Loans by Class	The following table sets forth the composition of the loan portfolio as of the dates indicated: At June 30, (Dollars in thousands) 2015 2014 Single family real estate secured: Mortgage $ 2,980,795 $ 1,918,626 Home equity 3,604 12,690 Warehouse and other 1 385,413 370,717 Multifamily real estate secured 1,185,531 978,511 Commercial real estate secured 61,403 24,061 Auto and RV secured 13,140 14,740 Factoring 122,200 118,945 Commercial & Industrial 248,584 152,619 Other 601 1,971 Total gross loans 5,001,271 3,592,880 Allowance for loan losses (28,327 ) (18,373 ) Unaccreted discounts and loan fees (44,326 ) (41,666 ) Total net loans $ 4,928,618 $ 3,532,841
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent	The following tables summarize activity in the allowance for loan losses by segment for the periods indicated: June 30, 2015 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Balance at July 1, 2014 $ 7,959 $ 134 $ 1,259 $ 3,785 $ 1,035 $ 812 $ 279 $ 3,048 $ 62 $ 18,373 Provision for loan loss 6,305 (1 ) 620 922 224 288 13 2,834 (5 ) 11,200 Charge-offs (747 ) (43 ) — (344 ) (156 ) (271 ) — — — (1,561 ) Recoveries 147 32 — — — 124 — — 12 315 Balance at June 30, 2015 $ 13,664 $ 122 $ 1,879 $ 4,363 $ 1,103 $ 953 $ 292 $ 5,882 $ 69 $ 28,327 June 30, 2014 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Balance at July 1, 2013 $ 4,812 $ 183 $ 1,250 $ 3,186 $ 1,378 $ 1,536 $ 201 $ 1,623 $ 13 $ 14,182 Provision for loan loss 3,214 3 9 708 12 (142 ) 78 1,425 43 5,350 Charge-offs (125 ) (98 ) — (359 ) (355 ) (620 ) — — (34 ) (1,591 ) Recoveries 58 46 — 250 — 38 — — 40 432 Balance at June 30, 2014 $ 7,959 $ 134 $ 1,259 $ 3,785 $ 1,035 $ 812 $ 279 $ 3,048 $ 62 $ 18,373 June 30, 2013 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Balance at July 1, 2012 $ 4,030 $ 192 $ 108 $ 2,558 $ 398 $ 2,159 $ 86 $ 102 $ 3 $ 9,636 Provision for loan loss 1,469 229 1,142 858 1,958 131 115 1,521 127 7,550 Charge-offs (730 ) (257 ) — (420 ) (1,496 ) (867 ) — — (137 ) (3,907 ) Recoveries 43 19 — 190 518 113 — — 20 903 Balance at June 30, 2013 $ 4,812 $ 183 $ 1,250 $ 3,186 $ 1,378 $ 1,536 $ 201 $ 1,623 $ 13 $ 14,182 The following table summarizes activity in the allowance for loan losses for the periods indicated: At June 30, (Dollars in thousands) 2015 2014 2013 Balance—beginning of period $ 18,373 $ 14,182 $ 9,636 Provision for loan loss 11,200 5,350 7,550 Charged off (1,561 ) (1,591 ) (3,907 ) Recoveries 315 432 903 Balance—end of period $ 28,327 $ 18,373 $ 14,182
Impaired Financing Receivables	The following table summarizes the composition of the impaired loans: At June 30, (Dollars in thousands) 2015 2014 2013 Non-performing loans—90+ days past due plus other non-accrual loans $ 25,873 $ 16,390 $ 13,020 Troubled debt restructured loans—non-accrual 4,958 3,995 5,283 Troubled debt restructured loans—performing 217 2,379 3,538 Total impaired loans $ 31,048 $ 22,764 $ 21,841 The following tables present our loans evaluated individually for impairment by portfolio class for the periods indicated: June 30, 2015 (Dollars in thousands) Unpaid Principal Balance Adjustment Unpaid Book Balance Accrued Interest/Origination Fees Recorded Related With no related allowance recorded: Single family real estate secured: Mortgage In-house originated $ 7,000 $ 657 $ 6,343 $ 129 $ 6,472 $ — Purchased 6,318 2,083 4,235 157 4,392 — Multifamily real estate secured Purchased 2,569 921 1,648 — 1,648 — Commercial real estate secured Purchased 3,662 1,534 2,128 254 2,382 — Auto and RV secured In-house originated 1,097 815 282 13 295 — With an allowance recorded: Single family real estate secured: Mortgage In-house originated 10,142 — 10,142 — 10,142 214 Purchased 2,339 — 2,339 9 2,348 45 Home equity In-house originated 9 — 9 — 9 1 Multifamily real estate secured In-house originated 3,430 — 3,430 43 3,473 2 Purchased 321 — 321 20 341 3 Auto and RV secured In-house originated 171 — 171 4 175 8 Total $ 37,058 $ 6,010 $ 31,048 $ 629 $ 31,677 $ 273 As a % of total gross loans 0.74 % 0.12 % 0.62 % 0.01 % 0.63 % 0.01 % June 30, 2014 (Dollars in thousands) Unpaid Principal Balance Adjustment Unpaid Book Balance Accrued Interest/Origination Fees Recorded Related With no related allowance recorded: Single family real estate secured: Mortgage Purchased $ 7,413 $ 2,189 $ 5,224 $ 223 $ 5,447 $ — Home equity In-house originated 88 83 5 9 14 — Multifamily real estate secured Purchased 2,615 746 1,869 5 1,874 — Commercial real estate secured Purchased 3,670 1,297 2,373 133 2,506 — Auto and RV secured In-house originated 1,561 1,072 489 27 516 — With an allowance recorded: Single family real estate secured: Mortgage In-house originated 4,074 — 4,074 22 4,096 14 Purchased 4,087 — 4,087 53 4,140 19 Home equity In-house originated 163 — 163 — 163 1 Multifamily real estate secured In-house originated 2,307 — 2,307 22 2,329 3 Purchased 125 — 125 — 125 1 Commercial real estate secured Purchased 2,003 — 2,003 2 2,005 38 Auto and RV secured In-house originated 45 — 45 1 46 1 Total $ 28,151 $ 5,387 $ 22,764 $ 497 $ 23,261 $ 77 As a % of total gross loans 0.78 % 0.15 % 0.63 % 0.02 % 0.65 % — %
Allowance for Credit Losses on Financing Receivables	The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment evaluation method: June 30, 2015 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 259 $ 1 $ — $ 5 $ — $ 8 $ — $ — $ — $ 273 Collectively evaluated for impairment 13,405 121 1,879 4,358 1,103 945 292 5,882 69 28,054 Total ending allowance balance $ 13,664 $ 122 $ 1,879 $ 4,363 $ 1,103 $ 953 $ 292 $ 5,882 $ 69 $ 28,327 Loans: Loans individually evaluated for impairment 1 $ 23,059 $ 9 $ — $ 5,399 $ 2,128 $ 453 $ — $ — $ — $ 31,048 Loans collectively evaluated for impairment 2,957,736 3,595 385,413 1,180,132 59,275 12,687 122,200 248,584 601 4,970,223 Principal loan balance 2,980,795 3,604 385,413 1,185,531 61,403 13,140 122,200 248,584 601 5,001,271 Unaccreted discounts and loan fees 10,438 11 (83 ) 3,348 96 149 (57,223 ) (1,062 ) — (44,326 ) Accrued interest receivable 10,530 5 306 4,862 145 73 477 1,159 — 17,557 Total recorded investment in loans $ 3,001,763 $ 3,620 $ 385,636 $ 1,193,741 $ 61,644 $ 13,362 $ 65,454 $ 248,681 $ 601 $ 4,974,502 1 Loans evaluated for impairment include TDRs that have been performing for more than six months. June 30, 2014 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 33 $ 1 $ — $ 4 $ 38 $ 1 $ — $ — $ — $ 77 Collectively evaluated for impairment 7,926 133 1,259 3,781 997 811 279 3,048 62 18,296 Total ending allowance balance $ 7,959 $ 134 $ 1,259 $ 3,785 $ 1,035 $ 812 $ 279 $ 3,048 $ 62 $ 18,373 Loans: Loans individually evaluated for impairment 1 $ 13,385 $ 168 $ — $ 4,301 $ 4,376 $ 534 $ — $ — $ — $ 22,764 Loans collectively evaluated for impairment 1,905,241 12,522 370,717 974,210 19,685 14,206 118,945 152,619 1,971 3,570,116 Principal loan balance 1,918,626 12,690 370,717 978,511 24,061 14,740 118,945 152,619 1,971 3,592,880 Unaccreted discounts and loan fees 7,138 (11 ) (2,055 ) 2,336 (37 ) 215 (48,546 ) (706 ) — (41,666 ) Accrued interest receivable 5,947 39 433 3,704 45 74 163 825 — 11,230 Total recorded investment in loans $ 1,931,711 $ 12,718 $ 369,095 $ 984,551 $ 24,069 $ 15,029 $ 70,562 $ 152,738 $ 1,971 $ 3,562,444 1 Loans evaluated for impairment include TDRs that have been performing for more than six months.
Schedule of Financing Receivables, Non Accrual Status	Non-performing loans consisted of the following as of the dates indicated: At June 30, (Dollars in thousands) 2015 2014 Nonaccrual loans: Single Family Real Estate Secured: Mortgage In-house originated $ 16,485 $ 4,073 Purchased 6,357 8,323 Home Equity In-house originated 9 168 Multifamily Real Estate Secured In-house originated 3,430 2,307 Purchased 1,969 1,995 Commercial Real Estate Secured Purchased 2,128 2,985 Total nonaccrual loans secured by real estate 30,378 19,851 Auto and RV Secured 453 534 Total nonperforming loans $ 30,831 $ 20,385 Nonperforming loans to total loans 0.62 % 0.57 %
Schedule Of Loans Performing And NonPerforming	The following tables provide the outstanding unpaid balance of loans that are performing and non-performing by portfolio class as of the dates indicated: June 30, 2015 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Performing $ 2,957,953 $ 3,595 $ 385,413 $ 1,180,132 $ 59,275 $ 12,687 $ 122,200 $ 248,584 $ 601 $ 4,970,440 Non-performing 22,842 9 — 5,399 2,128 453 — — — 30,831 Total $ 2,980,795 $ 3,604 $ 385,413 $ 1,185,531 $ 61,403 $ 13,140 $ 122,200 $ 248,584 $ 601 $ 5,001,271 June 30, 2014 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Performing $ 1,906,230 $ 12,522 $ 370,717 $ 974,209 $ 21,076 $ 14,206 $ 118,945 $ 152,619 $ 1,971 $ 3,572,495 Non-performing 12,396 168 — 4,302 2,985 534 — — — 20,385 Total $ 1,918,626 $ 12,690 $ 370,717 $ 978,511 $ 24,061 $ 14,740 $ 118,945 $ 152,619 $ 1,971 $ 3,592,880 The Company divides loan balances when determining general loan loss reserves between purchases and originations as follows: June 30, 2015 Single Family Real Estate Secured: Mortgage Multifamily Real Estate Secured Commercial Real Estate Secured (Dollars in thousands) Origination Purchase Total Origination Purchase Total Origination Purchase Total Performing $ 2,869,119 $ 88,834 — $ 2,957,953 $ 1,048,266 $ 131,866 $ 1,180,132 $ 46,577 $ 12,698 $ 59,275 Non-performing 16,485 6,357 22,842 3,430 1,969 5,399 — 2,128 2,128 Total $ 2,885,604 $ 95,191 $ 2,980,795 $ 1,051,696 $ 133,835 $ 1,185,531 $ 46,577 $ 14,826 $ 61,403 June 30, 2014 Single Family Real Estate Secured: Mortgage Multifamily Real Estate Secured Commercial Real Estate Secured (Dollars in thousands) Origination Purchase Total Origination Purchase Total Origination Purchase Total Performing $ 1,797,526 $ 108,704 $ 1,906,230 $ 816,682 $ 157,527 $ 974,209 $ 6,164 $ 14,912 $ 21,076 Non-performing 4,073 8,323 12,396 2,307 1,995 4,302 — 2,985 2,985 Total $ 1,801,599 $ 117,027 $ 1,918,626 $ 818,989 $ 159,522 $ 978,511 $ 6,164 $ 17,897 $ 24,061
Troubled Debt Restructurings on Financing Receivables	The following tables present the loans modified as TDRs during the period indicated: Year Ended June 30, (Dollars in thousands) 2015 2014 2013 Single family real estate secured: Mortgage In-house originated $ 36 $ — $ — Purchased — 211 832 Multifamily real estate secured Purchased — — 1,342 Commercial real estate secured Purchased — — 1,455 Total TDR loans secured by real estate $ 36 $ 211 $ 3,629 Other — — — Total loans modified as TDRs $ 36 $ 211 $ 3,629 The following tables present loans by class modified as troubled debt restructurings that occurred during the periods indicated: Year Ended June 30, 2015 (Dollars in thousands) Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled Debt Restructurings: Single family real estate secured: Mortgage In-house originated 1 $ 36 $ 36 Total 1 $ 36 $ 36 Year Ended June 30, 2014 (Dollars in thousands) Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled Debt Restructurings: Single family real estate secured: Mortgage Purchased 2 $ 211 $ 211 Total 2 $ 211 $ 211 Year Ended June 30, 2013 (Dollars in thousands) Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled Debt Restructurings: Single family real estate secured: Mortgage Purchased 3 $ 832 $ 832 Multifamily real estate secured Purchased 1 1,342 1,342 Commercial real estate secured Purchased 1 1,455 1,455 Total 5 $ 3,629 $ 3,629 During the temporary period of modification, the company classifies these loans as performing TDRs that consisted of the following as of the dates indicated: June 30, 2015 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Performing loans temporarily modified as TDR $ 217 $ — $ — $ — $ — $ — $ — $ — $ — $ 217 Non-performing loans 22,842 9 — 5,399 2,128 453 — — — 30,831 Total impaired loans $ 23,059 $ 9 $ — $ 5,399 $ 2,128 $ 453 $ — $ — $ — $ 31,048 Year Ended June 30, 2015 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Interest income recognized on performing TDRs $ 17 $ — $ — $ — $ 20 $ — $ — $ — $ — $ 37 Average balances of performing TDRs $ 500 $ — $ — $ — $ 278 $ — $ — $ — $ — $ 778 Average balances of impaired loans $ 21,106 $ 51 $ — $ 5,320 $ 3,028 $ 462 $ — $ — $ — $ 29,967 June 30, 2014 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Performing loans temporarily modified as TDR $ 989 $ — $ — $ — $ 1,390 $ — $ — $ — $ — $ 2,379 Non-performing loans 12,396 168 — 4,301 2,986 534 — — — 20,385 Total impaired loans $ 13,385 $ 168 $ — $ 4,301 $ 4,376 $ 534 $ — $ — $ — $ 22,764 Year Ended June 30, 2014 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Interest income recognized on performing TDRs $ 39 $ — $ — $ — $ 80 $ — $ — $ — $ — $ 119 Average balances of performing TDRs $ 1,003 $ 32 $ — $ 542 $ 1,407 $ 456 $ — $ — $ — $ 3,440 Average balances of impaired loans $ 10,957 $ 60 $ — $ 5,021 $ 3,900 $ 898 $ 9 $ — $ 5 $ 20,850 June 30, 2013 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Performing loans temporarily modified as TDR $ 1,019 $ 20 $ — $ 1,623 $ — $ 876 $ — $ — $ — $ 3,538 Non-performing loans 11,353 37 — 2,882 3,559 472 — — — 18,303 Total impaired loans $ 12,372 $ 57 $ — $ 4,505 $ 3,559 $ 1,348 $ — $ — $ — $ 21,841 Year Ended June 30, 2013 Single Family (Dollars in thousands) Mortgage Home Warehouse & Other Multi- Commercial Auto and RV secured Factoring Commercial & Industrial Other Total Interest income recognized on performing TDRs $ 41 $ 1 $ — $ 121 $ — $ 73 $ — $ — $ — $ 236 Average balances of performing TDRs $ 1,461 $ 29 $ — $ 1,059 $ — $ 1,032 $ — $ — $ — $ 3,581 Average balances of impaired loans $ 13,272 $ 98 $ — $ 5,250 $ 2,878 $ 1,858 $ — $ — $ 11 $ 23,367
Financing Receivable Credit Quality Indicators	The following tables present the composition of our loan portfolio by credit quality indicator as of the dates indicated: June 30, 2015 (Dollars in thousands) Pass Special Mention Substandard Doubtful Total Single family real estate secured: Mortgage In-house originated $ 2,855,637 $ 11,256 $ 18,711 $ — $ 2,885,604 Purchased 87,256 216 7,719 — 95,191 Home equity In-house originated 3,473 — 131 — 3,604 Warehouse and other In-house originated 375,588 9,825 — — 385,413 Multifamily real estate secured In-house originated 1,036,718 10,926 4,052 — 1,051,696 Purchased 127,839 3,470 2,526 — 133,835 Commercial real estate secured In-house originated 46,577 — — — 46,577 Purchased 9,947 2,444 2,435 — 14,826 Auto and RV secured In-house originated 12,630 19 491 — 13,140 Factoring 122,200 — — — 122,200 Commercial & Industrial 239,415 9,169 — — 248,584 Other 601 — — — 601 Total $ 4,917,881 $ 47,325 $ 36,065 $ — $ 5,001,271 As of % of gross loans 98.3 % 1.0 % 0.7 % — % 100.0 % June 30, 2014 (Dollars in thousands) Pass Special Mention Substandard Doubtful Total Single family real estate secured: Mortgage In-house originated $ 1,784,694 $ 11,083 $ 5,822 $ — $ 1,801,599 Purchased 104,457 3,030 9,540 — 117,027 Home equity In-house originated 4,035 30 168 — 4,233 Purchased 8,457 — — — 8,457 Warehouse and other In-house originated 370,717 — — — 370,717 Multifamily real estate secured In-house originated 796,119 16,068 6,802 — 818,989 Purchased 150,534 2,896 6,092 — 159,522 Commercial real estate secured In-house originated 6,164 — — 6,164 Purchased 13,211 — 4,686 — 17,897 Auto and RV secured In-house originated 13,943 145 652 — 14,740 Factoring 118,945 — — — 118,945 Commercial & Industrial 152,619 — — — 152,619 Other 1,971 — — — 1,971 Total $ 3,525,866 $ 33,252 $ 33,762 $ — $ 3,592,880 As of % of gross loans 98.1 % 0.9 % 1.0 % — % 100.0 %
Past Due Financing Receivables	The following tables provide the outstanding unpaid balance of loans that are past due 30 days or more by portfolio class as of the dates indicated: June 30, 2015 (Dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due 90+ Days Past Due Total Single family real estate secured: Mortgage In-house originated $ 1,275 $ 2,876 $ 11,450 $ 15,601 Purchased 472 — 3,371 3,843 Home equity In-house originated 130 — — 130 Multifamily real estate secured In-house originated 244 — 791 1,035 Purchased — — 321 321 Commercial real estate secured Purchased 782 — 382 1,164 Auto and RV secured In-house originated 271 125 67 463 Total $ 3,174 $ 3,001 $ 16,382 $ 22,557 As a % of gross loans 0.06 % 0.06 % 0.33 % 0.45 % June 30, 2014 (Dollars in thousands) 30-59 Days Past 60-89 Days Past 90+ Days Past Due Total Single family real estate secured: Mortgage In-house originated $ 4,519 $ 489 $ 2,660 $ 7,668 Purchased 1,468 390 3,661 5,519 Home equity In-house originated 21 — — 21 Multifamily real estate secured In-house originated 291 — 293 584 Purchased — — 125 125 Commercial real estate secured Purchased — — 383 383 Auto and RV secured In-house originated 177 — 64 241 Factoring 48 — — 48 Commercial & Industrial — 328 — 328 Total $ 6,524 $ 1,207 $ 7,186 $ 14,917 0.18 % 0.04 % 0.20 % 0.42 %

FURNITURE, EQUIPMENT AND SOFT32

FURNITURE, EQUIPMENT AND SOFTWARE (Tables)	12 Months Ended
	Jun. 30, 2015
Property, Plant and Equipment [Abstract]
Property, Plant and Equipment	A summary of the cost and accumulated depreciation and amortization for leasehold improvements, furniture, equipment and software is as follows: At June 30, (Dollars in thousands) 2015 2014 Leasehold improvements $ 1,508 $ 1,513 Furniture and fixtures 3,767 3,028 Computer hardware and equipment 7,105 5,220 Software 7,160 4,792 Total 19,540 14,553 Less accumulated depreciation and amortization (10,989 ) (7,846 ) Furniture, equipment and software — net $ 8,551 $ 6,707

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Jun. 30, 2015
Deposits [Abstract]
Schedule of Deposits	Deposit accounts are summarized as follows: At June 30, 2015 2014 (Dollars in thousands) Amount Rate 1 Amount Rate 1 Non-interest bearing $ 309,339 — % $ 186,786 — % Interest bearing: Demand 1,224,308 0.48 % 1,129,535 0.63 % Savings 2,126,792 0.67 % 935,973 0.73 % 3,351,100 0.60 % 2,065,508 0.67 % Time deposits: Under $100,000 70,369 1.26 % 107,294 1.23 % $100,000 or more 2 721,109 2.06 % 681,948 1.67 % Total time deposits 791,478 1.99 % 789,242 1.61 % Total interest bearing 2 4,142,578 0.87 % 2,854,750 0.93 % Total deposits $ 4,451,917 0.81 % $ 3,041,536 0.88 % 1. Based on weighted-average stated interest rates at end of period . 2. The total interest-bearing includes brokered deposits of $661.9 million and $404.8 million as of June 30, 2015 and June 30, 2014, respectively, of which $356.3 million and $275.4 million , respectively, are time deposits classified as $100,000 or more.
Schedule Of Maturities For Total Time Deposits	The scheduled maturities of time deposits are as follows: At June 30, (Dollars in thousands) 2015 Within 12 months $ 373,999 13 to 24 months 73,118 25 to 36 months 36,991 37 to 48 months 4,605 49 to 60 months 71,212 Thereafter 231,553 Total $ 791,478

ADVANCES FROM THE FEDERAL HOM34

ADVANCES FROM THE FEDERAL HOME LOAN BANK (Tables)	12 Months Ended
	Jun. 30, 2015
Banking and Thrift [Abstract]
Schedule of Federal Home Loan Bank, Advances, by Maturity	Fixed-rate advances from FHLB are scheduled to mature as follows: At June 30, 2015 2014 (Dollars in thousands) Amount Weighted- Average Rate Amount Weighted- Average Rate Within one year $ 323,000 0.45 % $ 555,000 0.32 % After one but within two years 95,000 1.24 % 15,000 2.46 % After two but within three years 30,000 2.80 % 115,000 1.36 % After three but within four years 135,000 2.03 % 30,000 2.80 % After four but within five years 55,000 1.79 % 135,000 2.03 % After five years 115,000 2.65 % 60,000 2.58 % Total $ 753,000 1.36 % $ 910,000 0.97 %

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Jun. 30, 2015
Income Tax Disclosure [Abstract]
Schedule of Components of Provision for Income Taxes	The provision for income taxes is as follows: At June 30, (Dollars in thousands) 2015 2014 2013 Current: Federal $ 49,801 $ 31,069 $ 24,875 State 17,192 9,284 7,653 66,993 40,353 32,528 Deferred: Federal (7,015 ) (1,645 ) (3,585 ) State (1,803 ) (395 ) (1,033 ) (8,818 ) (2,040 ) (4,618 ) Total $ 58,175 $ 38,313 $ 27,910
Schedule of Effective Income Tax Rate Reconciliation	The differences between the statutory federal income tax rate and the effective tax rates are summarized as of: At June 30, 2015 2014 2013 Statutory federal tax rate 35.00 % 35.00 % 35.00 % Increase (decrease) resulting from: State taxes—net of federal tax benefit 6.81 % 6.67 % 7.29 % Cash surrender value (0.04 )% (0.07 )% (0.09 )% Tax credits (0.24 )% (0.20 )% (0.69 )% Non-taxable income (0.58 )% (0.56 )% (0.79 )% Other 0.35 % (0.20 )% 0.20 % Effective tax rate 41.30 % 40.64 % 40.92 %
Schedule of Net Deferred Tax Asset	The components of the net deferred tax asset are as follows: At June 30, (Dollars in thousands) 2015 2014 Deferred tax assets: Allowance for loan losses and charge-offs $ 13,047 $ 8,398 State taxes 2,581 973 Stock-based compensation expense 1,397 885 Unrealized net losses on securities 6,905 7,899 Deferred bonus / vacation 416 495 Securities impaired 10,903 9,633 Deferred loan fees 60 — Total deferred tax assets 35,309 28,283 Deferred tax liabilities: Deferred loan fees — (467 ) FHLB stock dividend (1,180 ) (1,171 ) Other assets—prepaids (632 ) (427 ) Depreciation (542 ) (973 ) Total deferred tax liabilities (2,354 ) (3,038 ) Net deferred tax asset $ 32,955 $ 25,245
Schedule of Unrecognized Tax Benefits Roll Forward	The following is a reconciliation of the beginning and ending amount of unrecognized tax positions for the periods presented: (Dollars in thousands) 2015 2014 2013 Balance at July 1 $ 293 $ 1,122 $ 78 Additions – current year tax positions 135 55 678 Additions – prior year tax positions 568 30 568 Reductions – prior year tax positions (217 ) (914 ) (202 ) Total liability for unrecognized tax positions at June 30 $ 779 $ 293 $ 1,122

STOCKHOLDERS' EQUITY (Tables)

STOCKHOLDERS' EQUITY (Tables)	12 Months Ended
	Jun. 30, 2015
Equity [Abstract]
Schedule of Common Stock Outstanding Roll Forward	Changes in common stock issued and outstanding were as follows: At June 30, 2015 2014 2013 Issued Outstanding Issued Outstanding Issued Outstanding Beginning of year: 15,423,822 14,451,900 14,638,229 13,733,325 12,321,578 11,512,536 Common stock issued through option exercise or exchange 86,350 44,063 55,532 55,532 27,135 27,135 Common stock issued through public offering 949,089 949,089 560,301 560,301 200,000 200,000 Common stock issued through preferred stock conversion — — — — 1,855,411 1,855,411 Common stock issued through grants of restricted stock units 129,850 73,699 169,760 102,742 234,105 138,243 End of year: 16,589,111 15,518,751 15,423,822 14,451,900 14,638,229 13,733,325
Schedule of Sale of Stock	Distribution Agent Month Weighted Average Per Share Price Number of Shares Sold Net Proceeds Compensation to Distribution Agent Keefe, Bruyette & Woods, Inc. August 2014 $ 78.72 44,417 $ 3,409 $ 87 Keefe, Bruyette & Woods, Inc. September 2014 $ 74.58 236,800 $ 17,218 $ 441 Keefe, Bruyette & Woods, Inc. October 2014 $ 70.22 50,000 $ 3,423 $ 88 Keefe, Bruyette & Woods, Inc. November 2014 $ 78.30 130,000 $ 9,924 $ 254 Keefe, Bruyette & Woods, Inc. December 2014 $ 78.76 66,800 $ 5,130 $ 132 Keefe, Bruyette & Woods, Inc. January 2015 $ 81.38 121,570 $ 9,646 $ 248 In February 2015, we commenced sales of common stock through the 2015 ATM Offering. The details of the shares of common stock sold through the 2015 ATM Offering through June 30, 2015 are as follows (dollars in thousands, except per share data): Distribution Agent Month Weighted Average Per Share Price Number of Net Proceeds Compensation to Distribution Agent FBR Capital Markets & Co. February 2015 $ 90.71 10,000 $ 884 $ 23 FBR Capital Markets & Co. March 2015 $ 93.50 129,632 $ 11,818 $ 303 FBR Capital Markets & Co. April 2015 $ 92.41 66,272 $ 5,971 $ 153 FBR Capital Markets & Co. May 2015 $ 94.77 30,700 $ 2,837 $ 73 FBR Capital Markets & Co. June 2015 $ 98.77 62,898 $ 6,057 $ 155

STOCK-BASED COMPENSATION (Table

STOCK-BASED COMPENSATION (Tables)	12 Months Ended
	Jun. 30, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Schedule of Share-based Compensation, Stock Options, Activity	A summary of stock option activity under the Plans during the periods indicated is presented below: Number of Shares 1 Weighted-Average Exercise Price Per Share Outstanding—June 30, 2012 190,117 $ 8.93 Granted — — Exercised (27,135 ) 9.59 Converted — — Canceled (500 ) 11.00 Outstanding—June 30, 2013 162,482 $ 8.81 Granted — — Exercised (55,532 ) 9.00 Converted — — Canceled — — Outstanding—June 30, 2014 106,950 $ 8.71 Granted — — Exercised (86,350 ) 9.04 Converted — — Canceled — — Outstanding—June 30, 2015 20,600 $ 7.35 Options exercisable—June 30, 2013 162,482 $ 8.81 Options exercisable—June 30, 2014 106,950 $ 8.71 Options exercisable—June 30, 2015 20,600 $ 7.35 1 All options outstanding are vested.
Schedule of Share-based Compensation, Shares Authorized under Stock Option Plans, by Exercise Price Range	The following table summarizes information as concerning currently outstanding and exercisable options: June 30, 2015 Options Outstanding Options Exercisable Exercise Prices Number Outstanding Weighted- Average Remaining Contractual Life (Years) Number Exercisable Weighted-Average Exercise Price $ 7.35 20,600 1.1 20,600 $ 7.35
Schedule of Unrecognized Compensation Cost, Nonvested Awards	At June 30, 2015 unrecognized compensation expense related to non-vested awards aggregated to $16,118 and is expected to be recognized in future periods as follows: (Dollars in thousands) Stock Award Compensation Expense For the fiscal year ended June 30: 2016 $ 7,465 2017 5,831 2018 2,822 Total $ 16,118
Schedule of Share-based Compensation, Restricted Stock and Restricted Stock Units Activity	The following table presents the status and changes in restricted stock units grants for the periods indicated: Restricted Stock Unit Shares Weighted-Average Grant-Date Fair Value Non-vested balance at June 30, 2012 360,662 $ 13.20 Granted 181,483 28.83 Vested (213,355 ) 13.32 Canceled (30,305 ) 18.01 Non-vested balance at June 30, 2013 298,485 $ 22.13 Granted 132,944 59.91 Vested (169,760 ) 23.37 Canceled (25,230 ) 34.41 Non-vested balance at June 30, 2014 236,439 $ 41.17 Granted 193,959 79.94 Vested (129,850 ) 40.44 Canceled (16,776 ) 56.53 Non-vested balance at June 30, 2015 283,772 $ 68.05

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	12 Months Ended
	Jun. 30, 2015
Earnings Per Share [Abstract]
Calculation of basic and diluted EPS	The following table presents the calculation of basic and diluted EPS: At June 30, (Dollars in thousands, except per share data) 2015 2014 2013 Earnings Per Common Share Net income $ 82,682 $ 55,956 $ 40,291 Preferred stock dividends (309 ) (309 ) (835 ) Net income attributable to common shareholders $ 82,373 $ 55,647 $ 39,456 Average common shares issued and outstanding 14,984,961 14,039,809 12,758,381 Average unvested restricted stock grant and RSU shares 309,516 328,015 398,265 Total qualifying shares 15,294,477 14,367,824 13,156,646 Earnings per common share $ 5.39 $ 3.87 $ 3.00 Diluted Earnings Per Common Share Net income attributable to common shareholders $ 82,373 $ 55,647 $ 39,456 Preferred stock dividends to dilutive convertible preferred — — 533 Dilutive net income attributable to common shareholders $ 82,373 $ 55,647 $ 39,989 Average common shares issued and outstanding 15,294,477 14,367,824 13,156,646 Dilutive effect of stock options 56,614 74,868 88,519 Dilutive effect of convertible preferred stock — — 574,247 Total dilutive common shares issued and outstanding 15,351,091 14,442,692 13,819,412 Diluted earnings per common share $ 5.37 $ 3.85 $ 2.89

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	12 Months Ended
	Jun. 30, 2015
Commitments and Contingencies Disclosure [Abstract]
Contractual Obligation, Fiscal Year Maturity Schedule	Pursuant to the terms of these non-cancelable lease agreements in effect at June 30, 2015 , future minimum lease payments are as follows: (Dollars in thousands) Future minimum lease payments 2016 $ 2,673 2017 3,292 2018 3,654 2019 3,821 2020 3,993 Thereafter — Total $ 17,433

MINIMUM REGULATORY CAPITAL RE40

MINIMUM REGULATORY CAPITAL REQUIREMENTS (Tables)	12 Months Ended
	Jun. 30, 2015
Banking and Thrift [Abstract]
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations	The Bank’s capital amounts, capital ratios and capital requirements were as follows: June 30, 2015 Actual For Capital Adequacy Purposes To Be Well-Capitalized Under (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio Bank Tier 1 leverage (core) capital (to adjusted average assets) $ 522,891 9.25 % $ 226,168 4.00 % $ 282,710 5.00 % Common equity tier 1 capital (to risk weighted assets) $ 522,891 14.58 % $ 161,332 4.50 % $ 233,035 6.50 % Tier 1 capital (to risk-weighted assets) $ 522,891 14.58 % $ 215,109 6.00 % $ 286,812 8.00 % Total capital (to risk-weighted assets) $ 551,218 15.38 % $ 286,812 8.00 % $ 358,515 10.00 % June 30, 2014 Actual For Capital To Be Well-Capitalized Under (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio Bank Tier 1 leverage (core) capital (to adjusted tangible assets) $ 382,441 8.66 % $ 176,639 4.00 % $ 220,799 5.00 % Tier 1 capital (to risk-weighted assets) $ 382,441 14.42 % N/A N/A $ 159,181 6.00 % Total capital (to risk-weighted assets) $ 400,814 15.11 % $ 212,241 8.00 % $ 265,302 10.00 % Tangible capital (to tangible assets) $ 382,441 8.66 % $ 66,240 1.50 % N/A N/A The Company’s capital amounts, capital ratios and capital requirements were as follows: June 30, 2015 Actual For Capital To Be Well-Capitalized Under (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio Company Tier 1 leverage (core) capital (to adjusted average assets) $ 542,924 9.59 % $ 226,404 4.00 % $ 283,005 5.00 % Tier 1 capital (to risk-weighted assets) $ 537,861 14.98 % $ 161,614 4.50 % $ 233,443 6.50 % Total capital (to risk-weighted assets) $ 542,924 15.12 % $ 215,486 6.00 % $ 287,315 8.00 % Tangible capital (to tangible assets) $ 571,251 15.91 % $ 287,315 8.00 % $ 359,143 10.00 %

PARENT-ONLY CONDENSED FINANCI41

PARENT-ONLY CONDENSED FINANCIAL INFORMATION (Tables)	12 Months Ended
	Jun. 30, 2015
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Schedule of Condensed Balance Sheet	The following BofI Holding, Inc. (Parent company only) financial information should be read in conjunction with the consolidated financial statements of the Company and the other notes to the consolidated financial statements: BofI Holding, Inc. CONDENSED BALANCE SHEETS At June 30, (Dollars in thousands) 2015 2014 ASSETS Cash and cash equivalents $ 22,729 $ 3,049 Loans 39 34 Investment securities 204 88 Other assets 6,155 4,184 Due from subsidiary 3 86 Investment in subsidiary 513,701 372,074 Total assets $ 542,831 $ 379,515 LIABILITIES AND STOCKHOLDERS’ EQUITY Junior subordinated debentures $ 5,155 $ 5,155 Accrued interest payable 14 15 Accounts payable and accrued liabilities 4,136 3,567 Total liabilities 9,305 8,737 Stockholders’ equity 533,526 370,778 Total liabilities and stockholders’ equity $ 542,831 $ 379,515
Schedule of Condensed Income Statement	BofI Holding, Inc. STATEMENTS OF INCOME Year Ended June 30, (Dollars in thousands) 2015 2014 2013 Interest income $ 111 $ 82 $ 130 Interest expense 143 143 151 Net interest (expense) income (32 ) (61 ) (21 ) Provision for loan losses — — — Net interest (expense) income, after provision for loan losses (32 ) (61 ) (21 ) Non-interest income (loss) (9 ) (3 ) (112 ) Non-interest expense 4,678 3,218 2,532 Income (loss) before dividends from subsidiary and equity in undistributed income of subsidiary (4,719 ) (3,282 ) (2,665 ) Dividends from subsidiary — 2,600 1,300 Equity in undistributed earnings of subsidiary 87,401 56,638 41,656 Net income $ 82,682 $ 55,956 $ 40,291 Comprehensive income $ 83,649 $ 56,390 $ 34,926
Schedule of Condensed Cash Flow Statement	BofI Holding, Inc. STATEMENT OF CASH FLOWS Year Ended June 30, (Dollars in thousands) 2015 2014 2013 CASH FLOWS FROM OPERATING ACTIVITIES: Net income $ 82,682 $ 55,956 $ 40,291 Adjustments to reconcile net income to net cash used in operating activities: Accretion of discounts on securities (69 ) (41 ) (70 ) Impairment charge on securities 9 56 113 Accretion of discounts on loans (12 ) (12 ) (10 ) Stock-based compensation expense 6,648 4,358 3,297 Tax effect from exercise of common stock options and vesting of restricted stock grants (5,526 ) (4,856 ) (2,332 ) Equity in undistributed earnings of subsidiary (85,368 ) (72,296 ) (41,693 ) Decrease (increase) in other assets (1,972 ) (2,400 ) (442 ) Increase (decrease) in other liabilities (3,702 ) (616 ) (8 ) Net cash provided by (used in) operating activities (7,310 ) (19,851 ) (854 ) CASH FLOWS FROM INVESTING ACTIVITIES: Proceeds from principal repayments on loans 7 9 5 Investment in subsidiary (55,000 ) (42,073 ) (20,000 ) Net cash used in investing activities (54,993 ) (42,064 ) (19,995 ) CASH FLOWS FROM FINANCING ACTIVITIES: Proceeds from issuance of convertible preferred stock—Series B & C — — 18,544 Proceeds from exercise of common stock options 781 500 260 Proceeds from issuance of common stock 75,985 41,576 6,765 Tax effect from exercise of common stock options and vesting of restricted stock grants 5,526 4,856 2,332 Cash dividends on preferred stock (309 ) (309 ) (1,137 ) Net cash provided by (used in) financing activities 81,983 46,623 26,764 NET CHANGE IN CASH AND CASH EQUIVALENTS 19,680 (15,292 ) 5,915 CASH AND CASH EQUIVALENTS—Beginning of year 3,049 18,341 12,426 CASH AND CASH EQUIVALENTS—End of year $ 22,729 $ 3,049 $ 18,341

QUARTERLY FINANCIAL INFORMATI42

QUARTERLY FINANCIAL INFORMATION (UNAUDITED) (Tables)	12 Months Ended
	Jun. 30, 2015
Quarterly Financial Information Disclosure [Abstract]
Schedule of Quarterly Financial Information	Quarters Ended in Fiscal Year 2015 (Dollars in thousands) June 30, March 31, December 31, September 30, Interest and dividend income $ 67,567 $ 62,911 $ 59,081 $ 54,805 Interest expense 12,273 12,246 10,970 9,930 Net interest income 55,294 50,665 48,111 44,875 Provision for loan losses 2,900 2,900 2,900 2,500 Net interest income after provision for loan losses 52,394 47,765 45,211 42,375 Non-interest income 10,278 8,366 6,697 5,249 Non-interest expense 20,752 20,343 18,937 17,446 Income before income taxes 41,920 35,788 32,971 30,178 Income tax expense 17,525 14,714 13,599 12,337 Net income $ 24,395 $ 21,074 $ 19,372 $ 17,841 Net income attributable to common stock $ 24,318 $ 20,997 $ 19,294 $ 17,764 Basic earnings per share $ 1.55 $ 1.35 $ 1.27 $ 1.20 Diluted earnings per share $ 1.54 $ 1.35 $ 1.26 $ 1.20 Quarters Ended in Fiscal Year 2014 (Dollars in thousands) June 30, March 31, December 31, September 30, Interest and dividend income $ 50,142 $ 45,163 $ 41,227 $ 36,346 Interest expense 9,646 9,500 8,400 8,236 Net interest income 40,496 35,663 32,827 28,110 Provision for loan losses 2,250 1,600 1,000 500 Net interest income after provision for loan losses 38,246 34,063 31,827 27,610 Non-interest income 4,723 5,212 5,543 6,976 Non-interest expense 15,766 14,347 15,304 14,514 Income before income taxes 27,203 24,928 22,066 20,072 Income tax expense 11,193 10,318 8,912 7,890 Net income $ 16,010 $ 14,610 $ 13,154 $ 12,182 Net income attributable to common stock $ 15,933 $ 14,533 $ 13,077 $ 12,104 Basic earnings per share $ 1.09 $ 1.00 $ 0.92 $ 0.85 Diluted earnings per share $ 1.09 $ 1.00 $ 0.91 $ 0.85

ORGANIZATIONS AND SUMMARY OF 43

ORGANIZATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Concentration Risk [Line Items]
Restricted cash, minimum reserve balances	$ 6,880	$ 8,350
Concentration risk, geographic area	California
Geographic concentration risk
Concentration Risk [Line Items]
Concentration risk, item measured	mortgage portfolio
Mortgage loans | CALIFORNIA | Geographic concentration risk
Concentration Risk [Line Items]
Concentration risk percentage	66.36%	61.65%

FAIR VALUE - INPUTS (Details)

FAIR VALUE - INPUTS (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2015	May. 31, 2015
Collateralized Debt Obligations | Discounted cash flows
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Probability of actual and forecasted defaults	24.50%
Percentage of actual defaults	21.30%
Description of variable rate basis	U.S. Treasury
Collateralized Debt Obligations | Discounted cash flows | Significant Unobservable Inputs (Level 3)
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Percent increase in discount rate	1.00%
Percent decrease in discount rate	1.00%
Effect on net income before tax from one percentage point increase in discount rate	$ 863
Effect on net income before tax from one percentage point decrease in discount rate	$ 1,011
Collateralized Debt Obligations | Discounted cash flows | Weighted Average | Significant Unobservable Inputs (Level 3)
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Basis spread on variable rate	4.75%
Non-Agency RMBS | Significant Unobservable Inputs (Level 3)
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Description of variable rate basis	LIBOR
Unemployment rate		5.50%
Non-Agency RMBS | Discounted cash flows | Minimum
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Basis spread on variable rate	2.42%
Non-Agency RMBS | Discounted cash flows | Minimum | Significant Unobservable Inputs (Level 3)
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Probability of actual and forecasted defaults	1.50%
Loss severity rates	15.00%
Non-Agency RMBS | Discounted cash flows | Maximum
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Basis spread on variable rate	17.49%
Non-Agency RMBS | Discounted cash flows | Maximum | Significant Unobservable Inputs (Level 3)
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Probability of actual and forecasted defaults	19.60%
Loss severity rates	66.50%

FAIR VALUE - ASSETS AND LIABILI

FAIR VALUE - ASSETS AND LIABILITIES MEASURED ON RECURRING BASIS (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading	$ 7,832	$ 8,066
Securities available-for-sale	163,361	214,778
Loans Held for Sale	25,430	20,575	$ 36,665
Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading	0	0
Securities available-for-sale	0	0
Loans Held for Sale	0	0
Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading	0	0
Securities available-for-sale	136,728	177,369
Loans Held for Sale	25,430	20,575
Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading	7,832	8,066
Securities available-for-sale	26,633	$ 37,409
Loans Held for Sale	0
Mortgage servicing rights	2,098	$ 562
Fair Value, Measurements, Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	163,361	214,778
Loans Held for Sale	25,430	20,575
Mortgage servicing rights	2,098	562
Other assets - Derivative instruments	2,261	1,364
Other liabilities - Derivative instruments	0	489
Fair Value, Measurements, Recurring | Collateralized Debt Obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading	7,832	8,066
Fair Value, Measurements, Recurring | Agency Debt
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	0	0
Fair Value, Measurements, Recurring | Agency RMBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	43,491	59,880
Fair Value, Measurements, Recurring | Non-Agency RMBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	26,633	37,409
Fair Value, Measurements, Recurring | Municipal
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	22,035	28,943
Fair Value, Measurements, Recurring | Other Debt Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	71,202	88,546
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	0	0
Loans Held for Sale	0	0
Mortgage servicing rights	0	0
Other assets - Derivative instruments	0	0
Other liabilities - Derivative instruments	0	0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Collateralized Debt Obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading	0	0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Agency Debt
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	0	0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Agency RMBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	0	0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Non-Agency RMBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	0	0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Municipal
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	0	0
Fair Value, Measurements, Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Other Debt Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	0	0
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	136,728	177,369
Loans Held for Sale	25,430	20,575
Mortgage servicing rights	0	0
Other assets - Derivative instruments	0	0
Other liabilities - Derivative instruments	0	0
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Collateralized Debt Obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading	0	0
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Agency Debt
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	0	0
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Agency RMBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	43,491	59,880
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Non-Agency RMBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	0	0
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Municipal
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	22,035	28,943
Fair Value, Measurements, Recurring | Significant Other Observable Inputs (Level 2) | Other Debt Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	71,202	88,546
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	26,633	37,409
Loans Held for Sale	0	0
Mortgage servicing rights	2,098	562
Other assets - Derivative instruments	2,261	1,364
Other liabilities - Derivative instruments	0	489
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Collateralized Debt Obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading	7,832	8,066
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Agency Debt
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	0	0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Agency RMBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	0	0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Non-Agency RMBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	26,633	37,409
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Municipal
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	0	0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Other Debt Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	$ 0	$ 0

FAIR VALUE - LEVEL 3 ASSETS MEA

FAIR VALUE - LEVEL 3 ASSETS MEASURED ON RECURRING BASIS (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases, Sales, Issues, Settlements [Abstract]
Other-than-temporary-impairment	$ (2,365)	$ (2,802)	$ (3,501)
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3)
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Opening balance	46,912	58,617
Transfers into Level 3	0	0
Transfers out of Level 3	0	0
Total gains or losses for the period - Included in other comprehensive income	(1,325)	(125)
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases, Sales, Issues, Settlements [Abstract]
Purchases	1,801	0
Issues	0	529
Sales	0	0
Settlements	(8,518)	(11,546)
Other-than-temporary-impairment	(933)	(216)
Closing balance	38,824	46,912	58,617
Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period	(438)	(347)
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Fair Value Gain On Trading Securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Total gains or losses for the period - Included in earnings	(234)	955
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Mortgage Banking
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Total gains or losses for the period - Included in earnings	1,121	(1,302)
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Collateralized Debt Obligations
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Opening balance	8,066	7,111
Transfers into Level 3	0	0
Transfers out of Level 3	0	0
Total gains or losses for the period - Included in earnings	(234)	955
Total gains or losses for the period - Included in other comprehensive income	0
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases, Sales, Issues, Settlements [Abstract]
Purchases	0	0
Issues	0	0
Sales	0	0
Settlements	0	0
Other-than-temporary-impairment	0	0
Closing balance	7,832	8,066	7,111
Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period	(234)	955
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Non-Agency RMBS
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Opening balance	37,409	49,284
Transfers into Level 3	0	0
Transfers out of Level 3	0	0
Total gains or losses for the period - Included in other comprehensive income	(1,325)	(125)
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases, Sales, Issues, Settlements [Abstract]
Purchases	0	0
Issues	0	0
Sales	0	0
Settlements	(8,518)	(11,534)
Other-than-temporary-impairment	(933)	(216)
Closing balance	26,633	37,409	49,284
Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period	(1,325)	0
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Mortgage Servicing Rights
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Opening balance	562
Total gains or losses for the period - Included in earnings	(265)	45
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases, Sales, Issues, Settlements [Abstract]
Purchases	1,801	0
Issues	0	529
Sales	0	0
Settlements	0	(12)
Other-than-temporary-impairment	0	0
Closing balance	2,098	562
Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period	(265)	45
Fair Value, Measurements, Recurring | Significant Unobservable Inputs (Level 3) | Derivative Instruments, net
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Opening balance	875	2,222
Transfers into Level 3	0	0
Transfers out of Level 3	0	0
Total gains or losses for the period - Included in earnings	1,386	(1,347)
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases, Sales, Issues, Settlements [Abstract]
Purchases	0	0
Issues	0	0
Sales	0	0
Settlements	0	0
Other-than-temporary-impairment	0	0
Closing balance	2,261	875	$ 2,222
Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period	$ 1,386	$ (1,347)

FAIR VALUE - QUANTITATIVE INFOR

FAIR VALUE - QUANTITATIVE INFORMATION FOR LEVEL 3 FAIR VALUE MEASURMENTS (RECURRING) (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities trading	$ 7,832	$ 8,066
Securities available-for-sale	$ 163,361	214,778
Collateralized Debt Obligations | Discounted cash flows
Fair Value, Option, Quantitative Disclosures [Line Items]
Total projected defaults	24.50%
Level 3
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities trading	$ 7,832	8,066
Securities available-for-sale	26,633	37,409
Mortgage servicing rights	$ 2,098	562
Level 3 | Non-Agency RMBS | Discounted cash flows | Minimum
Fair Value, Option, Quantitative Disclosures [Line Items]
Total projected defaults	1.50%
Loss Severity	15.00%
Level 3 | Non-Agency RMBS | Discounted cash flows | Maximum
Fair Value, Option, Quantitative Disclosures [Line Items]
Total projected defaults	19.60%
Loss Severity	66.50%
Fair Value, Measurements, Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities available-for-sale	$ 163,361	214,778
Mortgage servicing rights	2,098	562
Fair Value, Measurements, Recurring | Collateralized Debt Obligations
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities trading	7,832	8,066
Fair Value, Measurements, Recurring | Non-Agency RMBS
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities available-for-sale	26,633	37,409
Fair Value, Measurements, Recurring | Level 3
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities available-for-sale	26,633	37,409
Mortgage servicing rights	2,098	562
Derivative Assets	2,261	875
Fair Value, Measurements, Recurring | Level 3 | Collateralized Debt Obligations
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities trading	$ 7,832	$ 8,066
Fair Value, Measurements, Recurring | Level 3 | Collateralized Debt Obligations | Discounted cash flows | Minimum
Fair Value, Option, Quantitative Disclosures [Line Items]
Total projected defaults	19.00%	18.80%
Discount Rate over Treasury/LIBOR	4.00%	4.80%
Fair Value, Measurements, Recurring | Level 3 | Collateralized Debt Obligations | Discounted cash flows | Maximum
Fair Value, Option, Quantitative Disclosures [Line Items]
Total projected defaults	26.60%	29.80%
Discount Rate over Treasury/LIBOR	4.00%	4.80%
Fair Value, Measurements, Recurring | Level 3 | Collateralized Debt Obligations | Discounted cash flows | Weighted Average
Fair Value, Option, Quantitative Disclosures [Line Items]
Total projected defaults	23.10%	24.60%
Discount Rate over Treasury/LIBOR	4.00%	4.80%
Fair Value, Measurements, Recurring | Level 3 | Non-Agency RMBS
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities available-for-sale	$ 26,633	$ 37,409
Fair Value, Measurements, Recurring | Level 3 | Non-Agency RMBS | Discounted cash flows | Minimum
Fair Value, Option, Quantitative Disclosures [Line Items]
Total projected defaults		1.50%
Constant Prepayment Rate	0.10%	6.30%
Constant Default Rate	0.00%
Loss Severity	1.60%	37.60%
Discount Rate over Treasury/LIBOR	2.50%	2.40%
Fair Value, Measurements, Recurring | Level 3 | Non-Agency RMBS | Discounted cash flows | Maximum
Fair Value, Option, Quantitative Disclosures [Line Items]
Total projected defaults		19.60%
Constant Prepayment Rate	27.80%	29.50%
Constant Default Rate	21.70%
Loss Severity	87.90%	66.50%
Discount Rate over Treasury/LIBOR	8.40%	3.00%
Fair Value, Measurements, Recurring | Level 3 | Non-Agency RMBS | Discounted cash flows | Weighted Average
Fair Value, Option, Quantitative Disclosures [Line Items]
Total projected defaults		5.60%
Constant Prepayment Rate	10.00%	13.00%
Constant Default Rate	5.60%
Loss Severity	61.70%	51.10%
Discount Rate over Treasury/LIBOR	5.20%	2.90%
Fair Value, Measurements, Recurring | Level 3 | Mortgage Servicing Rights | Discounted cash flows | Minimum
Fair Value, Option, Quantitative Disclosures [Line Items]
Constant Prepayment Rate	5.60%	4.40%
Life (in years)	3 years 7 months 6 days	4 years 3 months 18 days
Discount Rate over Treasury/LIBOR	10.00%	9.50%
Fair Value, Measurements, Recurring | Level 3 | Mortgage Servicing Rights | Discounted cash flows | Maximum
Fair Value, Option, Quantitative Disclosures [Line Items]
Constant Prepayment Rate	7.40%	19.20%
Life (in years)	8 years 3 months 18 days	8 years 3 months 18 days
Discount Rate over Treasury/LIBOR	11.50%	10.50%
Fair Value, Measurements, Recurring | Level 3 | Mortgage Servicing Rights | Discounted cash flows | Weighted Average
Fair Value, Option, Quantitative Disclosures [Line Items]
Constant Prepayment Rate	7.40%	7.70%
Life (in years)	7 years 1 month 6 days	7 years 4 months 24 days
Discount Rate over Treasury/LIBOR	10.10%	9.70%
Fair Value, Measurements, Recurring | Level 3 | Derivative Instruments, net | Sales comparison approach | Minimum
Fair Value, Option, Quantitative Disclosures [Line Items]
Projected Sales Profit of Underlying Loans	0.50%	0.50%
Fair Value, Measurements, Recurring | Level 3 | Derivative Instruments, net | Sales comparison approach | Maximum
Fair Value, Option, Quantitative Disclosures [Line Items]
Projected Sales Profit of Underlying Loans	1.50%	1.30%
Fair Value, Measurements, Recurring | Level 3 | Derivative Instruments, net | Sales comparison approach | Weighted Average
Fair Value, Option, Quantitative Disclosures [Line Items]
Projected Sales Profit of Underlying Loans		0.80%

FAIR VALUE - LEVEL 3 UNREALIZED

FAIR VALUE - LEVEL 3 UNREALIZED GAIN (LOSS) (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair value adjustment	$ (234)	$ 954	$ 1,274
Significant Unobservable Inputs (Level 3)
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Interest income on investments	223	230	253
Fair value adjustment	(234)	955	1,274
Total	$ (11)	$ 1,185	$ 1,527

FAIR VALUE - ASSETS MEASURED NO

FAIR VALUE - ASSETS MEASURED NONRECURRING BASIS (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held to maturity - Fair Value	$ 228,323	$ 243,966
Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held to maturity - Fair Value	0	0
Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held to maturity - Fair Value	83,441	89,409
Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held to maturity - Fair Value	144,882	154,557
Fair Value, Measurements, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	31,048	22,764
Other real estate owned and foreclosed assets, fair value	1,240	75
Fair Value, Measurements, Nonrecurring | Impaired Loans, Mortgage
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	23,059	13,385
Fair Value, Measurements, Nonrecurring | Impaired Loans, Home Equity
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	9	168
Fair Value, Measurements, Nonrecurring | Impaired Loans, Multifamily
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	5,399	4,301
Fair Value, Measurements, Nonrecurring | Impaired Loans, Commercial real estate secured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	2,128	4,376
Fair Value, Measurements, Nonrecurring | Impaired Loans, Auto and RV Secured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	453	534
Fair Value, Measurements, Nonrecurring | Other Real Estate Owned Single Family
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	463	0
Fair Value, Measurements, Nonrecurring | Other Real Estate Owned Multifamily
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	762	0
Fair Value, Measurements, Nonrecurring | Foreclosed assets, RV/Auto
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	15	75
Fair Value, Measurements, Nonrecurring | Non-Agency RMBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held to maturity - Fair Value	88,094	91,297
Fair Value, Measurements, Nonrecurring | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	0	0
Other real estate owned and foreclosed assets, fair value	0	0
Fair Value, Measurements, Nonrecurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Impaired Loans, Mortgage
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	0	0
Fair Value, Measurements, Nonrecurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Impaired Loans, Home Equity
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	0	0
Fair Value, Measurements, Nonrecurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Impaired Loans, Multifamily
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	0	0
Fair Value, Measurements, Nonrecurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Impaired Loans, Commercial real estate secured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	0	0
Fair Value, Measurements, Nonrecurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Impaired Loans, Auto and RV Secured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	0	0
Fair Value, Measurements, Nonrecurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Other Real Estate Owned Single Family
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	0	0
Fair Value, Measurements, Nonrecurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Other Real Estate Owned Multifamily
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	0	0
Fair Value, Measurements, Nonrecurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Foreclosed assets, RV/Auto
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	0	0
Fair Value, Measurements, Nonrecurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Non-Agency RMBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held to maturity - Fair Value	0	0
Fair Value, Measurements, Nonrecurring | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	0	0
Other real estate owned and foreclosed assets, fair value	0	0
Fair Value, Measurements, Nonrecurring | Significant Other Observable Inputs (Level 2) | Impaired Loans, Mortgage
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	0	0
Fair Value, Measurements, Nonrecurring | Significant Other Observable Inputs (Level 2) | Impaired Loans, Home Equity
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	0	0
Fair Value, Measurements, Nonrecurring | Significant Other Observable Inputs (Level 2) | Impaired Loans, Multifamily
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	0	0
Fair Value, Measurements, Nonrecurring | Significant Other Observable Inputs (Level 2) | Impaired Loans, Commercial real estate secured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	0	0
Fair Value, Measurements, Nonrecurring | Significant Other Observable Inputs (Level 2) | Impaired Loans, Auto and RV Secured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	0	0
Fair Value, Measurements, Nonrecurring | Significant Other Observable Inputs (Level 2) | Other Real Estate Owned Single Family
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	0	0
Fair Value, Measurements, Nonrecurring | Significant Other Observable Inputs (Level 2) | Other Real Estate Owned Multifamily
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	0	0
Fair Value, Measurements, Nonrecurring | Significant Other Observable Inputs (Level 2) | Foreclosed assets, RV/Auto
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	0	0
Fair Value, Measurements, Nonrecurring | Significant Other Observable Inputs (Level 2) | Non-Agency RMBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held to maturity - Fair Value	0	0
Fair Value, Measurements, Nonrecurring | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	31,048	22,764
Other real estate owned and foreclosed assets, fair value	1,240	75
Fair Value, Measurements, Nonrecurring | Significant Unobservable Inputs (Level 3) | Impaired Loans, Mortgage
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	23,059	13,385
Fair Value, Measurements, Nonrecurring | Significant Unobservable Inputs (Level 3) | Impaired Loans, Home Equity
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	9	168
Fair Value, Measurements, Nonrecurring | Significant Unobservable Inputs (Level 3) | Impaired Loans, Multifamily
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	5,399	4,301
Fair Value, Measurements, Nonrecurring | Significant Unobservable Inputs (Level 3) | Impaired Loans, Commercial real estate secured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	2,128	4,376
Fair Value, Measurements, Nonrecurring | Significant Unobservable Inputs (Level 3) | Impaired Loans, Auto and RV Secured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	453	534
Fair Value, Measurements, Nonrecurring | Significant Unobservable Inputs (Level 3) | Other Real Estate Owned Single Family
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	463	0
Fair Value, Measurements, Nonrecurring | Significant Unobservable Inputs (Level 3) | Other Real Estate Owned Multifamily
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	762	0
Fair Value, Measurements, Nonrecurring | Significant Unobservable Inputs (Level 3) | Foreclosed assets, RV/Auto
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	15	75
Fair Value, Measurements, Nonrecurring | Significant Unobservable Inputs (Level 3) | Non-Agency RMBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held to maturity - Fair Value	$ 88,094	$ 91,297

FAIR VALUE - ASSETS MEASURED ON

FAIR VALUE - ASSETS MEASURED ON NONRECURRING BASIS NARRATIVE (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity, Carrying Amount	$ 225,555	$ 247,729
Fair Value, Measurements, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	31,048	22,764
Other real estate owned and foreclosed assets, fair value	1,240	75
Fair Value, Measurements, Nonrecurring | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	31,048	22,764
Other real estate owned and foreclosed assets, fair value	1,240	75
Impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, write-off	6,010	5,387
Impaired loans, additional provision for loan losses	273	77
Impaired loans | Carrying (Reported) Amount, Fair Value Disclosure | Fair Value, Measurements, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	31,048	22,764
Other real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned, valuation allowance	0	0
Other real estate owned | Carrying (Reported) Amount, Fair Value Disclosure | Fair Value, Measurements, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	1,240	75
Non-Agency RMBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity securities, impairment charged to income	1,432	2,586
Held-to-maturity securities, impairment charged to other comprehensive income	2,836	633
Non-Agency RMBS | Fair Value, Measurements, Nonrecurring | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Held-to-maturity, Carrying Amount	$ 85,579	$ 112,651

FAIR VALUE - LOANS HELD-FOR-SAL

FAIR VALUE - LOANS HELD-FOR-SALE (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
Fair Value Disclosures [Abstract]
Aggregate fair value	$ 25,430	$ 20,575	$ 36,665
Contractual balance	24,886	20,138	36,070
Gain	544	437	595
Interest income	671	545	1,314
Change in fair value	1,505	(1,526)	353
Total change in fair value	$ 2,176	$ (981)	$ 1,667

FAIR VALUE - QUANTITATIVE INF52

FAIR VALUE - QUANTITATIVE INFORMATION FOR LEVEL 3 FAIR VALUE MEASURMENTS (NONRECURRING) (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Held to maturity - Fair Value	$ 228,323	$ 243,966
Level 3
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Held to maturity - Fair Value	$ 144,882	154,557
Level 3 | Non-Agency RMBS | Minimum | Discounted cash flows
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Loss Severity	15.00%
Level 3 | Non-Agency RMBS | Maximum | Discounted cash flows
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Loss Severity	66.50%
Fair Value, Measurements, Nonrecurring
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	$ 31,048	22,764
Other real estate owned and foreclosed assets, fair value	1,240	75
Fair Value, Measurements, Nonrecurring | Impaired Loans, Mortgage
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	23,059	13,385
Fair Value, Measurements, Nonrecurring | Impaired Loans, Home Equity
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	9	168
Fair Value, Measurements, Nonrecurring | Impaired Loans, Multifamily
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	5,399	4,301
Fair Value, Measurements, Nonrecurring | Impaired Loans, Commercial real estate secured
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	2,128	4,376
Fair Value, Measurements, Nonrecurring | Impaired Loans, Auto and RV Secured
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	453	534
Fair Value, Measurements, Nonrecurring | Other Real Estate Owned Single Family
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Other real estate owned and foreclosed assets, fair value	463	0
Fair Value, Measurements, Nonrecurring | Other Real Estate Owned Multifamily
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Other real estate owned and foreclosed assets, fair value	762	0
Fair Value, Measurements, Nonrecurring | Foreclosed assets, RV/Auto
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Other real estate owned and foreclosed assets, fair value	15	75
Fair Value, Measurements, Nonrecurring | Non-Agency RMBS
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Held to maturity - Fair Value	88,094	91,297
Fair Value, Measurements, Nonrecurring | Level 3
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	31,048	22,764
Other real estate owned and foreclosed assets, fair value	1,240	75
Fair Value, Measurements, Nonrecurring | Level 3 | Impaired Loans, Mortgage
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	$ 23,059	$ 13,385
Fair Value, Measurements, Nonrecurring | Level 3 | Impaired Loans, Mortgage | Minimum | Sales comparison approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Comparability Adjustments	(52.50%)	(28.70%)
Fair Value, Measurements, Nonrecurring | Level 3 | Impaired Loans, Mortgage | Maximum | Sales comparison approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Comparability Adjustments	53.70%	35.10%
Fair Value, Measurements, Nonrecurring | Level 3 | Impaired Loans, Mortgage | Weighted Average | Sales comparison approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Comparability Adjustments	3.90%	1.30%
Fair Value, Measurements, Nonrecurring | Level 3 | Impaired Loans, Home Equity
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	$ 9	$ 168
Fair Value, Measurements, Nonrecurring | Level 3 | Impaired Loans, Home Equity | Minimum | Sales comparison approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Comparability Adjustments	(9.70%)	(20.00%)
Fair Value, Measurements, Nonrecurring | Level 3 | Impaired Loans, Home Equity | Maximum | Sales comparison approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Comparability Adjustments	5.50%	42.70%
Fair Value, Measurements, Nonrecurring | Level 3 | Impaired Loans, Home Equity | Weighted Average | Sales comparison approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Comparability Adjustments	(2.10%)	10.10%
Fair Value, Measurements, Nonrecurring | Level 3 | Impaired Loans, Multifamily
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	$ 5,399	$ 4,301
Fair Value, Measurements, Nonrecurring | Level 3 | Impaired Loans, Multifamily | Minimum | Sales comparison approach and income approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Comparability Adjustments	(73.40%)	(43.30%)
Fair Value, Measurements, Nonrecurring | Level 3 | Impaired Loans, Multifamily | Maximum | Sales comparison approach and income approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Comparability Adjustments	80.60%	65.00%
Fair Value, Measurements, Nonrecurring | Level 3 | Impaired Loans, Multifamily | Weighted Average | Sales comparison approach and income approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Comparability Adjustments	(8.30%)	13.10%
Fair Value, Measurements, Nonrecurring | Level 3 | Impaired Loans, Commercial real estate secured
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	$ 2,128	$ 4,376
Fair Value, Measurements, Nonrecurring | Level 3 | Impaired Loans, Commercial real estate secured | Minimum | Sales comparison approach and income approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Comparability Adjustments	(66.50%)	(84.10%)
Fair Value, Measurements, Nonrecurring | Level 3 | Impaired Loans, Commercial real estate secured | Maximum | Sales comparison approach and income approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Comparability Adjustments	81.10%	82.40%
Fair Value, Measurements, Nonrecurring | Level 3 | Impaired Loans, Commercial real estate secured | Weighted Average | Sales comparison approach and income approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Comparability Adjustments	(10.30%)	(22.10%)
Fair Value, Measurements, Nonrecurring | Level 3 | Impaired Loans, Auto and RV Secured
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	$ 453	$ 534
Fair Value, Measurements, Nonrecurring | Level 3 | Impaired Loans, Auto and RV Secured | Minimum | Sales comparison approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Comparability Adjustments	0.00%	0.00%
Fair Value, Measurements, Nonrecurring | Level 3 | Impaired Loans, Auto and RV Secured | Maximum | Sales comparison approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Comparability Adjustments	66.20%	27.40%
Fair Value, Measurements, Nonrecurring | Level 3 | Impaired Loans, Auto and RV Secured | Weighted Average | Sales comparison approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Comparability Adjustments	10.80%	10.30%
Fair Value, Measurements, Nonrecurring | Level 3 | Other Real Estate Owned Single Family
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Other real estate owned and foreclosed assets, fair value	$ 463	$ 0
Fair Value, Measurements, Nonrecurring | Level 3 | Other Real Estate Owned Single Family | Minimum | Sales comparison approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Comparability Adjustments	(20.30%)
Fair Value, Measurements, Nonrecurring | Level 3 | Other Real Estate Owned Single Family | Maximum | Sales comparison approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Comparability Adjustments	12.10%
Fair Value, Measurements, Nonrecurring | Level 3 | Other Real Estate Owned Single Family | Weighted Average | Sales comparison approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Comparability Adjustments	(4.10%)
Fair Value, Measurements, Nonrecurring | Level 3 | Other Real Estate Owned Multifamily
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Other real estate owned and foreclosed assets, fair value	$ 762	0
Fair Value, Measurements, Nonrecurring | Level 3 | Other Real Estate Owned Multifamily | Minimum | Sales comparison approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Comparability Adjustments	(37.10%)
Fair Value, Measurements, Nonrecurring | Level 3 | Other Real Estate Owned Multifamily | Maximum | Sales comparison approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Comparability Adjustments	48.60%
Fair Value, Measurements, Nonrecurring | Level 3 | Other Real Estate Owned Multifamily | Weighted Average | Sales comparison approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Comparability Adjustments	5.70%
Fair Value, Measurements, Nonrecurring | Level 3 | Foreclosed assets, RV/Auto
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Other real estate owned and foreclosed assets, fair value	$ 15	$ 75
Fair Value, Measurements, Nonrecurring | Level 3 | Foreclosed assets, RV/Auto | Minimum | Sales comparison approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Comparability Adjustments	0.00%	(84.00%)
Fair Value, Measurements, Nonrecurring | Level 3 | Foreclosed assets, RV/Auto | Maximum | Sales comparison approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Comparability Adjustments	20.70%	41.30%
Fair Value, Measurements, Nonrecurring | Level 3 | Foreclosed assets, RV/Auto | Weighted Average | Sales comparison approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair Value Inputs, Comparability Adjustments	10.30%	(32.80%)
Fair Value, Measurements, Nonrecurring | Level 3 | Non-Agency RMBS
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Held to maturity - Fair Value	$ 88,094	$ 91,297
Fair Value, Measurements, Nonrecurring | Level 3 | Non-Agency RMBS | Minimum | Discounted cash flows
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Constant Prepayment Rate	5.00%	0.10%
Constant Default Rate	1.50%	0.00%
Loss Severity	15.00%	3.50%
Discount Rate over Treasury/LIBOR	3.00%	2.70%
Fair Value, Measurements, Nonrecurring | Level 3 | Non-Agency RMBS | Maximum | Discounted cash flows
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Constant Prepayment Rate	43.80%	16.30%
Constant Default Rate	14.60%	11.10%
Loss Severity	65.50%	76.50%
Discount Rate over Treasury/LIBOR	6.90%	8.40%
Fair Value, Measurements, Nonrecurring | Level 3 | Non-Agency RMBS | Weighted Average | Discounted cash flows
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Constant Prepayment Rate	10.50%	10.20%
Constant Default Rate	6.70%	5.90%
Loss Severity	54.40%	61.20%
Discount Rate over Treasury/LIBOR	5.80%	6.20%

FAIR VALUE - FAIR VALUE BY BALA

FAIR VALUE - FAIR VALUE BY BALANCE SHEET GROUPING (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
Financial assets:
Securities trading	$ 7,832	$ 8,066
Securities available-for-sale	163,361	214,778
Securities held-to-maturity	228,323	243,966
Loans held for sale, at fair value	25,430	20,575	$ 36,665
Loans held for sale, at lower of cost or fair value	77,891	114,796
Carrying (Reported) Amount, Fair Value Disclosure
Financial assets:
Cash and cash equivalents	222,874	155,584
Securities trading	7,832	8,066
Securities available-for-sale	163,361	214,778
Securities held-to-maturity	225,555	247,729
Loans held for sale, at fair value		20,575
Loans held for sale, at lower of cost or fair value	77,891	114,796
Loans held for investment - net	4,928,618	3,532,841
Accrued interest receivable	20,268	13,863
Mortgage servicing rights	2,098	562
Financial liabilities:
Time deposits and savings	4,451,917	3,041,536
Securities sold under agreements to repurchase	35,000	45,000
Advances from the Federal Home Loan Bank	753,000	910,000
Junior subordinated debentures and other borrowings	5,155	5,155
Accrued interest payable	1,266	1,350
Total
Financial assets:
Cash and cash equivalents	222,874	155,584
Securities trading	7,832	8,066
Securities available-for-sale	163,361	214,778
Securities held-to-maturity	228,323	243,966
Loans held for sale, at fair value	25,430	20,575
Loans held for sale, at lower of cost or fair value	77,932	114,840
Loans held for investment - net	5,011,596	3,632,841
Accrued interest receivable	20,268	13,863
Mortgage servicing rights	2,098	562
Financial liabilities:
Time deposits and savings	4,385,034	3,066,830
Securities sold under agreements to repurchase	37,489	48,883
Advances from the Federal Home Loan Bank	757,265	917,184
Junior subordinated debentures and other borrowings	5,155	5,284
Accrued interest payable	1,266	1,350
Level 1
Financial assets:
Cash and cash equivalents	222,874	155,584
Securities trading	0	0
Securities available-for-sale	0	0
Securities held-to-maturity	0	0
Loans held for sale, at fair value	0	0
Loans held for sale, at lower of cost or fair value	0	0
Loans held for investment - net	0	0
Accrued interest receivable	0	0
Financial liabilities:
Time deposits and savings	0	0
Securities sold under agreements to repurchase	0	0
Advances from the Federal Home Loan Bank	0	0
Junior subordinated debentures and other borrowings	0	0
Accrued interest payable	0	0
Level 2
Financial assets:
Cash and cash equivalents	0	0
Securities trading	0	0
Securities available-for-sale	136,728	177,369
Securities held-to-maturity	83,441	89,409
Loans held for sale, at fair value	25,430	20,575
Loans held for sale, at lower of cost or fair value	0	0
Loans held for investment - net	0	0
Accrued interest receivable	0	0
Financial liabilities:
Time deposits and savings	4,385,034	3,066,830
Securities sold under agreements to repurchase	37,489	48,883
Advances from the Federal Home Loan Bank	757,265	917,184
Junior subordinated debentures and other borrowings	5,155	5,284
Accrued interest payable	1,266	1,350
Level 3
Financial assets:
Cash and cash equivalents	0	0
Securities trading	7,832	8,066
Securities available-for-sale	26,633	37,409
Securities held-to-maturity	144,882	$ 154,557
Loans held for sale, at fair value	0
Loans held for sale, at lower of cost or fair value	77,932	$ 114,840
Loans held for investment - net	5,011,596	3,632,841
Accrued interest receivable	20,268	13,863
Mortgage servicing rights	2,098	562
Financial liabilities:
Time deposits and savings	0	0
Securities sold under agreements to repurchase	0	0
Advances from the Federal Home Loan Bank	0	0
Junior subordinated debentures and other borrowings	0	0
Accrued interest payable	0	0
Fair Value, Measurements, Recurring
Financial assets:
Securities available-for-sale	163,361	214,778
Loans held for sale, at fair value	25,430	20,575
Mortgage servicing rights	2,098	562
Fair Value, Measurements, Recurring | Level 1
Financial assets:
Securities available-for-sale	0	0
Loans held for sale, at fair value	0	0
Mortgage servicing rights	0	0
Fair Value, Measurements, Recurring | Level 2
Financial assets:
Securities available-for-sale	136,728	177,369
Loans held for sale, at fair value	25,430	20,575
Mortgage servicing rights	0	0
Fair Value, Measurements, Recurring | Level 3
Financial assets:
Securities available-for-sale	26,633	37,409
Loans held for sale, at fair value	0	0
Mortgage servicing rights	$ 2,098	$ 562

SECURITIES - SCHEDULE OF MARKET

SECURITIES - SCHEDULE OF MARKETABLE SECURITIES (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014
Marketable Securities [Line Items]
Securities trading	$ 7,832	$ 8,066
Available-for-sale, Amortized Cost	159,484	210,626
Available-for-sale, Unrealized Gains	5,197	6,249
Available-for-sale, Unrealized Losses	(1,320)	(2,097)
Available for sale	163,361	214,778
Held-to-maturity, Carrying Amount	225,555	247,729
Held-to-maturity, Unrecognized Gains	15,517	11,727
Held-to-maturity, Unrecognized Losses	(12,749)	(15,490)
Held to maturity - Fair Value	228,323	243,966
Mortgage-backed securities (RMBS)
Marketable Securities [Line Items]
Held-to-maturity, Carrying Amount	189,579	211,677
Held-to-maturity, Unrecognized Gains	11,443	8,247
Held-to-maturity, Unrecognized Losses	(12,749)	(15,490)
Held to maturity - Fair Value	188,273	204,434
Other Debt Securities
Marketable Securities [Line Items]
Held-to-maturity, Carrying Amount	35,976	36,052
Held-to-maturity, Unrecognized Gains	4,074	3,480
Held-to-maturity, Unrecognized Losses	0	0
Held to maturity - Fair Value	40,050	39,532
Mortgage-backed securities (RMBS)
Marketable Securities [Line Items]
Securities trading	0	0
Available-for-sale, Amortized Cost	67,537	94,191
Available-for-sale, Unrealized Gains	3,536	5,137
Available-for-sale, Unrealized Losses	(949)	(2,039)
Available for sale	70,124	97,289
U.S. agencies
Marketable Securities [Line Items]
Securities trading	0	0
Available-for-sale, Amortized Cost	43,738	60,670
Available-for-sale, Unrealized Gains	701	1,060
Available-for-sale, Unrealized Losses	(948)	(1,850)
Available for sale	43,491	59,880
Non-agency
Marketable Securities [Line Items]
Securities trading	0	0
Available-for-sale, Amortized Cost	23,799	33,521
Available-for-sale, Unrealized Gains	2,835	4,077
Available-for-sale, Unrealized Losses	(1)	(189)
Available for sale	26,633	37,409
Held-to-maturity, Carrying Amount	147,586
Other Debt Securities
Marketable Securities [Line Items]
Securities trading	7,832	8,066
Available-for-sale, Amortized Cost	91,947	116,435
Available-for-sale, Unrealized Gains	1,661	1,112
Available-for-sale, Unrealized Losses	(371)	(58)
Available for sale	93,237	117,489
U.S. agencies
Marketable Securities [Line Items]
Securities trading	0	0
Available-for-sale, Amortized Cost	0	0
Available-for-sale, Unrealized Gains	0	0
Available-for-sale, Unrealized Losses	0	0
Available for sale	0	0
Municipal
Marketable Securities [Line Items]
Securities trading	0	0
Available-for-sale, Amortized Cost	21,731	28,522
Available-for-sale, Unrealized Gains	390	425
Available-for-sale, Unrealized Losses	(86)	(4)
Available for sale	22,035	28,943
Non-agency
Marketable Securities [Line Items]
Securities trading	7,832	8,066
Available-for-sale, Amortized Cost	70,216	87,913
Available-for-sale, Unrealized Gains	1,271	687
Available-for-sale, Unrealized Losses	(285)	(54)
Available for sale	$ 71,202	$ 88,546

SECURITIES - NARRATIVE (Details

SECURITIES - NARRATIVE (Details)	12 Months Ended
	Jun. 30, 2015USD ($)security	Jun. 30, 2014USD ($)	Jun. 30, 2013USD ($)
Marketable Securities [Line Items]
Securities available-for-sale	$ 163,361,000	$ 214,778,000
Held-to-maturity, Carrying Amount	225,555,000	247,729,000
Certain Loans Acquired in Transfer Accounted for as Debt Securities [Abstract]
Senior Support Securities, Other-than temporary loss on security	6,805,000	2,359,000	$ 8,080,000
Debt securities available-for-sale and held-to-maturity pledged to secure borrowings	39,014,000	67,605,000
Non-agency
Marketable Securities [Line Items]
Securities available-for-sale	26,633,000	37,409,000
Held-to-maturity, Carrying Amount	147,586,000
RMBS, Super Senior Securities
Marketable Securities [Line Items]
Securities available-for-sale	$ 17,455,000
Available-for-sale, number of securities | security	21
Held-to-maturity, Carrying Amount	$ 145,419,000
Held-to-maturity, number of securities | security	77
RMBS, Senior Structured Whole Loan Securities
Marketable Securities [Line Items]
Securities available-for-sale	$ 8,974,000
Available-for-sale, number of securities | security	1
RMBS, Mezzanine Z-Tranche Securities
Marketable Securities [Line Items]
Securities available-for-sale	$ 204,000
Available-for-sale, number of securities | security	3
RMBS, Senior-Support Securities
Marketable Securities [Line Items]
Held-to-maturity, Carrying Amount	$ 2,167,000
Held-to-maturity, number of securities | security	1
Certain Loans Acquired in Transfer Accounted for as Debt Securities [Abstract]
Senior Support Securities, Number (in number of securities) | security	1
Senior Support Securities, Cost	$ 17,740,000
Senior Support Securities, Original Carrying Amount	30,560,000
Senior Support Securities, Accretable Yield	9,015,000
Senior Support Securities, Nonaccretable Yield	3,805,000
Senior Support Securities, Other-than temporary loss on security	0	$ 572,000
Senior Support Securities, Carrying Amount, Net	0
Senior Support Securities, Amortizable Premium	0
Senior Support Securities, Nonamortizable Premium	$ 2,472,000

SECURITIES - SCHEDULE OF UNREAL

SECURITIES - SCHEDULE OF UNREALIZED LOSS ON INVESTMENTS (Details) $ in Thousands	Jun. 30, 2015USD ($)security	Jun. 30, 2014USD ($)security
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Available-for-sale securities in loss position for less than 12 months, Fair Value	$ 22,102	$ 7,231
Available-for-sale securities in loss position for less than 12 months, Gross Unrealized Losses	(374)	(81)
Available-for-sale securities in loss position for more than 12 months, Fair Value	24,974	31,546
Available-for-sale securities in loss position for more than 12 months, Gross Unrealized Losses	(946)	(2,016)
Available-for-sale securities in loss position, Total, Fair Value	47,076	38,777
Available-for-sale securities in loss position, Total, Gross Unrealized Losses	(1,320)	(2,097)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Held-to-maturity securities in loss position for less than 12 months, Fair Value	23,450	5,871
Held-to-maturity securities for less than 12 months, Gross Unrealized Losses	(1,802)	(400)
Held-to-maturity securities in loss position for more than 12 months, Fair Value	67,090	66,975
Held-to-maturity securities in loss position for more than 12 months, Gross Unrealized Losses	(10,947)	(15,090)
Held-to-maturity securities in loss position, Total, Fair Value	90,540	72,846
Held-to-maturity securities in loss position, Total, Gross Unrealized Losses	$ (12,749)	$ (15,490)
Number of securities in a continuous loss position | security	32	35
Mortgage-backed securities (RMBS)
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Available-for-sale securities in loss position for less than 12 months, Fair Value	$ 1,644	$ 1,819
Available-for-sale securities in loss position for less than 12 months, Gross Unrealized Losses	(3)	(33)
Available-for-sale securities in loss position for more than 12 months, Fair Value	24,974	27,900
Available-for-sale securities in loss position for more than 12 months, Gross Unrealized Losses	(946)	(2,007)
Available-for-sale securities in loss position, Total, Fair Value	26,618	29,719
Available-for-sale securities in loss position, Total, Gross Unrealized Losses	(949)	(2,040)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Held-to-maturity securities in loss position for less than 12 months, Fair Value	23,450	5,871
Held-to-maturity securities for less than 12 months, Gross Unrealized Losses	(1,802)	(400)
Held-to-maturity securities in loss position for more than 12 months, Fair Value	67,090	66,975
Held-to-maturity securities in loss position for more than 12 months, Gross Unrealized Losses	(10,947)	(15,090)
Held-to-maturity securities in loss position, Total, Fair Value	90,540	72,846
Held-to-maturity securities in loss position, Total, Gross Unrealized Losses	(12,749)	(15,490)
U.S. agencies
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Available-for-sale securities in loss position for less than 12 months, Fair Value	369	0
Available-for-sale securities in loss position for less than 12 months, Gross Unrealized Losses	(2)	0
Available-for-sale securities in loss position for more than 12 months, Fair Value	24,974	25,498
Available-for-sale securities in loss position for more than 12 months, Gross Unrealized Losses	(946)	(1,850)
Available-for-sale securities in loss position, Total, Fair Value	25,343	25,498
Available-for-sale securities in loss position, Total, Gross Unrealized Losses	(948)	(1,850)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Held-to-maturity securities in loss position for less than 12 months, Fair Value	0	0
Held-to-maturity securities for less than 12 months, Gross Unrealized Losses	0	0
Held-to-maturity securities in loss position for more than 12 months, Fair Value	0	1
Held-to-maturity securities in loss position for more than 12 months, Gross Unrealized Losses	0	0
Held-to-maturity securities in loss position, Total, Fair Value	0	1
Held-to-maturity securities in loss position, Total, Gross Unrealized Losses	0	0
Non-agency
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Available-for-sale securities in loss position for less than 12 months, Fair Value	1,275	1,819
Available-for-sale securities in loss position for less than 12 months, Gross Unrealized Losses	(1)	(33)
Available-for-sale securities in loss position for more than 12 months, Fair Value	0	2,402
Available-for-sale securities in loss position for more than 12 months, Gross Unrealized Losses	0	(157)
Available-for-sale securities in loss position, Total, Fair Value	1,275	4,221
Available-for-sale securities in loss position, Total, Gross Unrealized Losses	(1)	(190)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Held-to-maturity securities in loss position for less than 12 months, Fair Value	23,450	5,871
Held-to-maturity securities for less than 12 months, Gross Unrealized Losses	(1,802)	(400)
Held-to-maturity securities in loss position for more than 12 months, Fair Value	67,090	66,974
Held-to-maturity securities in loss position for more than 12 months, Gross Unrealized Losses	(10,947)	(15,090)
Held-to-maturity securities in loss position, Total, Fair Value	90,540	72,845
Held-to-maturity securities in loss position, Total, Gross Unrealized Losses	(12,749)	(15,490)
Other Debt Securities
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Available-for-sale securities in loss position for less than 12 months, Fair Value	20,458	5,412
Available-for-sale securities in loss position for less than 12 months, Gross Unrealized Losses	(371)	(48)
Available-for-sale securities in loss position for more than 12 months, Fair Value	0	3,646
Available-for-sale securities in loss position for more than 12 months, Gross Unrealized Losses	0	(9)
Available-for-sale securities in loss position, Total, Fair Value	20,458	9,058
Available-for-sale securities in loss position, Total, Gross Unrealized Losses	(371)	(57)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Held-to-maturity securities in loss position for less than 12 months, Fair Value	0	0
Held-to-maturity securities for less than 12 months, Gross Unrealized Losses	0	0
Held-to-maturity securities in loss position for more than 12 months, Fair Value	0	0
Held-to-maturity securities in loss position for more than 12 months, Gross Unrealized Losses	0	0
Held-to-maturity securities in loss position, Total, Fair Value	0	0
Held-to-maturity securities in loss position, Total, Gross Unrealized Losses	0	0
U.S. agencies
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Available-for-sale securities in loss position for less than 12 months, Fair Value	0
Available-for-sale securities in loss position for less than 12 months, Gross Unrealized Losses	0
Available-for-sale securities in loss position for more than 12 months, Fair Value	0
Available-for-sale securities in loss position for more than 12 months, Gross Unrealized Losses	0
Available-for-sale securities in loss position, Total, Fair Value	0
Available-for-sale securities in loss position, Total, Gross Unrealized Losses	0
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Held-to-maturity securities in loss position for less than 12 months, Fair Value	0
Held-to-maturity securities for less than 12 months, Gross Unrealized Losses	0
Held-to-maturity securities in loss position for more than 12 months, Fair Value	0
Held-to-maturity securities in loss position for more than 12 months, Gross Unrealized Losses	0
Held-to-maturity securities in loss position, Total, Fair Value	0
Held-to-maturity securities in loss position, Total, Gross Unrealized Losses	0
Municipal
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Available-for-sale securities in loss position for less than 12 months, Fair Value	1,358	47
Available-for-sale securities in loss position for less than 12 months, Gross Unrealized Losses	(86)	0
Available-for-sale securities in loss position for more than 12 months, Fair Value	0	2,257
Available-for-sale securities in loss position for more than 12 months, Gross Unrealized Losses	0	(3)
Available-for-sale securities in loss position, Total, Fair Value	1,358	2,304
Available-for-sale securities in loss position, Total, Gross Unrealized Losses	(86)	(3)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Held-to-maturity securities in loss position for less than 12 months, Fair Value	0	0
Held-to-maturity securities for less than 12 months, Gross Unrealized Losses	0	0
Held-to-maturity securities in loss position for more than 12 months, Fair Value	0	0
Held-to-maturity securities in loss position for more than 12 months, Gross Unrealized Losses	0	0
Held-to-maturity securities in loss position, Total, Fair Value	0	0
Held-to-maturity securities in loss position, Total, Gross Unrealized Losses	0	0
Non-agency
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Available-for-sale securities in loss position for less than 12 months, Fair Value	19,100	5,365
Available-for-sale securities in loss position for less than 12 months, Gross Unrealized Losses	(285)	(48)
Available-for-sale securities in loss position for more than 12 months, Fair Value	0	1,389
Available-for-sale securities in loss position for more than 12 months, Gross Unrealized Losses	0	(6)
Available-for-sale securities in loss position, Total, Fair Value	19,100	6,754
Available-for-sale securities in loss position, Total, Gross Unrealized Losses	(285)	(54)
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Held-to-maturity securities in loss position for less than 12 months, Fair Value	0	0
Held-to-maturity securities for less than 12 months, Gross Unrealized Losses	0	0
Held-to-maturity securities in loss position for more than 12 months, Fair Value	0	0
Held-to-maturity securities in loss position for more than 12 months, Gross Unrealized Losses	0	0
Held-to-maturity securities in loss position, Total, Fair Value	0	0
Held-to-maturity securities in loss position, Total, Gross Unrealized Losses	$ 0	$ 0

SECURITIES - OTHER THAN TEMPORA

SECURITIES - OTHER THAN TEMPORARY IMPAIRMENT, CREDIT LOSSES RECOGNIZED IN EARNINGS (Details) - Non-agency $ in Thousands	12 Months Ended
	Jun. 30, 2015USD ($)security	Jun. 30, 2014USD ($)	Jun. 30, 2013USD ($)
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Roll Forward]
Beginning balance	$ (18,138)	$ (15,336)	$ (11,835)
Additions for the amounts related to credit loss for which an other-than-temporary impairment was not previously recognized	(742)	(206)	(323)
Increases to the amount related to the credit loss for which other-than-temporary was previously recognized	(1,623)	(2,596)	(3,178)
Ending balance	$ (20,503)	(18,138)	(15,336)
Securities with Cumulative Credit Losses, Number (in number of securities) | security	51
Securities with Cumulative Credit Losses, Carrying Amount	$ 97,937
OTTI recognized in earnings	$ 2,365	$ 2,802	$ 3,501
Securities With Other Than Temporary Impairment, Number (in number of securities) | security	20
Securities with Other Than Temporary Impairment, Carrying Value	$ 29,907

SECURITIES - REALIZED GAIN (LOS

SECURITIES - REALIZED GAIN (LOSS) ON INVESTMENTS (Details) $ in Thousands	12 Months Ended
	Jun. 30, 2015USD ($)security	Jun. 30, 2014USD ($)	Jun. 30, 2013USD ($)
Investments, Debt and Equity Securities [Abstract]
Number of securities sold | security	2
Sold security, at carrying value	$ 8,952
Available-for-sale Securities, Gross Realized Gain (Loss) [Abstract]
Proceeds	9,614	$ 3,723	$ 2,775
Gross realized gains	587	0	420
Net gains on securities	$ 587	$ 0	$ 420

SECURITIES - UNREALIZED GAIN (L

SECURITIES - UNREALIZED GAIN (LOSS) ON INVESTMENTS (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014
Investments, Debt and Equity Securities [Abstract]
Available-for-sale debt securities—net unrealized gains	$ 3,877	$ 4,151
Available-for-sale debt securities—non-credit related	(271)	0
Held-to-maturity debt securities—non-credit related	(18,597)	(21,433)
Subtotal	(14,991)	(17,282)
Tax benefit	5,592	6,916
Net unrealized loss on investment securities in accumulated other comprehensive loss	$ (9,399)	$ (10,366)

SECURITIES - INVESTMENTS CLASSI

SECURITIES - INVESTMENTS CLASSIFIED BY CONTRACTUAL MATURITY DATE (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014
Available-for-Sale, Amortized Cost
Available-for-sale, Amortized Cost	$ 159,484
Available-for-Sale, Fair Value
Available-for-sale, Fair Value	163,361	$ 214,778
Held-to-maturity, Carrying Amount
Held-to-maturity, Carrying Amount	225,555
Held-to-maturity, Fair Value
Held-to-maturity, Fair Value	228,323	243,966
Trading Securities, Fair Value	7,832
Mortgage-backed securities (RMBS)
Held-to-maturity, Fair Value
Held-to-maturity, Fair Value	188,273	204,434
U.S. agencies
Held-to-maturity, Carrying Amount
Due within one year	1,371
Due one to five years	5,299
Due five to ten years	6,123
Due after ten years	29,200
Held-to-maturity, Carrying Amount	41,993
Held-to-maturity, Fair Value
Due within one year	1,430
Due one to five years	5,534
Due five to ten years	6,388
Due after ten years	30,039
Held-to-maturity, Fair Value	43,391	49,877
Non-agency
Held-to-maturity, Carrying Amount
Due within one year	23,553
Due one to five years	44,775
Due five to ten years	38,110
Due after ten years	41,148
Held-to-maturity, Carrying Amount	147,586
Held-to-maturity, Fair Value
Due within one year	23,344
Due one to five years	44,317
Due five to ten years	37,050
Due after ten years	40,171
Held-to-maturity, Fair Value	144,882	154,557
Other Debt Securities
Held-to-maturity, Carrying Amount
Due within one year	971
Due one to five years	4,507
Due five to ten years	7,075
Due after ten years	23,423
Held-to-maturity, Carrying Amount	35,976
Held-to-maturity, Fair Value
Due within one year	1,075
Due one to five years	4,995
Due five to ten years	7,848
Due after ten years	26,132
Held-to-maturity, Fair Value	40,050	39,532
Other Debt Securities
Available-for-Sale, Amortized Cost
Due within one year	11,269
Due one to five years	62,060
Due five to ten years	11,046
Due after ten years	7,572
Available-for-sale, Amortized Cost	91,947
Available-for-Sale, Fair Value
Due within one year	11,362
Due one to five years	63,083
Due five to ten years	11,124
Due after ten years	7,668
Available-for-sale, Fair Value	93,237	117,489
Held-to-maturity, Fair Value
Trading Securities, after ten years	7,832
Trading Securities, Fair Value	7,832
Non-agency
Available-for-Sale, Amortized Cost
Due within one year	5,119
Due one to five years	10,729
Due five to ten years	3,338
Due after ten years	4,613
Available-for-sale, Amortized Cost	23,799
Available-for-Sale, Fair Value
Due within one year	5,505
Due one to five years	11,751
Due five to ten years	3,882
Due after ten years	5,495
Available-for-sale, Fair Value	26,633	37,409
U.S. agencies
Available-for-Sale, Amortized Cost
Due within one year	4,338
Due one to five years	13,270
Due five to ten years	10,508
Due after ten years	15,622
Available-for-sale, Amortized Cost	43,738
Available-for-Sale, Fair Value
Due within one year	4,243
Due one to five years	13,043
Due five to ten years	10,439
Due after ten years	15,766
Available-for-sale, Fair Value	$ 43,491	$ 59,880

LOANS & ALLOWANCE FOR LOAN LO61

LOANS & ALLOWANCE FOR LOAN LOSSES - COMPOSITION OF LOANS (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 5,001,271	$ 3,592,880
Allowance for loan losses	(28,327)	(18,373)	$ (14,182)	$ (9,636)
Unaccreted discounts and loan fees	(44,326)	(41,666)
Total net loans	4,928,618	3,532,841
Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	2,980,795	1,918,626
Allowance for loan losses	(13,664)	(7,959)	(4,812)	(4,030)
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	3,604	12,690
Allowance for loan losses	(122)	(134)	(183)	(192)
Warehouse and other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	385,413	370,717
Allowance for loan losses	(1,879)	(1,259)	(1,250)	(108)
Unaccreted discounts and loan fees	(83)	(2,055)
Multifamily real estate secured
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	1,185,531	978,511
Allowance for loan losses	(4,363)	(3,785)	(3,186)	(2,558)
Commercial real estate secured
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	61,403	24,061
Allowance for loan losses	(1,103)	(1,035)	(1,378)	(398)
Auto and RV secured
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	13,140	14,740
Allowance for loan losses	(953)	(812)	(1,536)	(2,159)
Factoring
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	122,200	118,945
Allowance for loan losses	(292)	(279)	(201)	(86)
Unaccreted discounts and loan fees	(57,223)	(48,546)
Commercial & Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	248,584	152,619
Allowance for loan losses	(5,882)	(3,048)	(1,623)	(102)
Unaccreted discounts and loan fees	(1,062)	(706)
Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	601	1,971
Allowance for loan losses	(69)	(62)	$ (13)	$ (3)
Unaccreted discounts and loan fees	0	0
Warehouse loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 122,003	$ 92,920

LOANS & ALLOWANCE FOR LOAN LO62

LOANS & ALLOWANCE FOR LOAN LOSSES - ACTIVITY FOR ALLOWANCE FOR LOAN LOSSES (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period				$ 18,373				$ 14,182	$ 18,373	$ 14,182	$ 9,636
Provision for loan loss	$ 2,900	$ 2,900	$ 2,900	$ 2,500	$ 2,250	$ 1,600	$ 1,000	$ 500	11,200	5,350	7,550
Charged off									(1,561)	(1,591)	(3,907)
Recoveries									315	432	903
Balance, end of period	$ 28,327				$ 18,373				$ 28,327	$ 18,373	$ 14,182

LOANS & ALLOWANCE FOR LOAN LO63

LOANS & ALLOWANCE FOR LOAN LOSSES - IMPAIRED LOANS (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
Receivables [Abstract]
Nonperforming loans - 90 plus days past due plus other non-accrual loans	$ 25,873	$ 16,390	$ 13,020
Troubled debt restructured loans - non-accrual	4,958	3,995	5,283
Troubled debt restructured loans - performing	217	2,379	3,538
Total impaired loans	$ 31,048	$ 22,764	$ 21,841

LOANS & ALLOWANCE FOR LOAN LO64

LOANS & ALLOWANCE FOR LOAN LOSSES - LOANS NARRATIVE 1 (Details)	12 Months Ended
	Jun. 30, 2015USD ($)loan	Jun. 30, 2014USD ($)loan
Financing Receivable, Impaired [Line Items]
Write offs on impaired loans	$ 4,652,000
Impaired loans with no specific allowance	31,048,000
Average carrying value of impaired loans	29,967,000	$ 20,850,000
Loans past due ninety days or more and still accruing	0	0
Allowance allocated to restructured loans	$ 2,000	$ 4,000
Number of new related party loans | loan	0	2
Amount of new related party loans		$ 1,585,000
Principal payments received on related party loans	$ 325,000	296,000
Ending balance of related party loans	10,543,000	10,868,000
Interest earned on related party loans	111,000	141,000
Purchased loans serviced by others, amount	$ 132,976,000	$ 150,786,000
Purchased loans serviced by others, percent of portfolio	2.66%	4.20%
Fixed Interest Rate
Financing Receivable, Impaired [Line Items]
Percent of loans by interest rate type	11.74%
Adjustable Interest Rate
Financing Receivable, Impaired [Line Items]
Percent of loans by interest rate type	88.26%
Geographic concentration risk | Real estate loans | CALIFORNIA
Financing Receivable, Impaired [Line Items]
Concentration risk percentage	66.36%	61.65%

LOANS & ALLOWANCE FOR LOAN LO65

LOANS & ALLOWANCE FOR LOAN LOSSES - ALLOWANCE FOR CREDIT LOSS DISCLOSURES (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans collectively evaluated for impairment	$ 4,970,223	$ 3,570,116
Recreational Vehicles and Autos
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans collectively evaluated for impairment	12,687	14,206
Single Family, Mortgage
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans collectively evaluated for impairment	2,957,736	1,905,241
Multi-family
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans collectively evaluated for impairment	1,180,132	974,210
Interest only loans	700,300
Option adjustable-rate mortgage loans	4,000
Commercial real estate secured
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans collectively evaluated for impairment	59,275	$ 19,685
LTV less than or equal to 60% | Single Family, Mortgage
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans collectively evaluated for impairment	1,606,203
LTV 61% - 70% | Single Family, Mortgage
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans collectively evaluated for impairment	1,111,742
LTV 61% - 70% | Commercial real estate secured
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans collectively evaluated for impairment	12,189
LTV 71% - 80% | Single Family, Mortgage
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans collectively evaluated for impairment	239,584
LTV 71% - 80% | Commercial real estate secured
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans collectively evaluated for impairment	0
LTV greater than 80%
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans collectively evaluated for impairment	0
LTV greater than 80% | Single Family, Mortgage
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans collectively evaluated for impairment	207
LTV greater than 80% | Multi-family
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans collectively evaluated for impairment	0
LTV less than or equal to 55% | Multi-family
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans collectively evaluated for impairment	533,292
LTV 56% - 65% | Multi-family
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans collectively evaluated for impairment	367,910
LTV 66% - 75% | Multi-family
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans collectively evaluated for impairment	263,766
LTV 76% - 80% | Multi-family
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans collectively evaluated for impairment	15,164
LTV less than or equal to 50% | Commercial real estate secured
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans collectively evaluated for impairment	22,111
LTV 51% - 60% | Commercial real estate secured
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans collectively evaluated for impairment	24,975
FICO greater than or equal to 770 | Recreational Vehicles and Autos
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans collectively evaluated for impairment	2,882
FICO 715 - 769 | Recreational Vehicles and Autos
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans collectively evaluated for impairment	4,408
FICO 700 - 714 | Recreational Vehicles and Autos
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans collectively evaluated for impairment	1,150
FICO 660 - 699 | Recreational Vehicles and Autos
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans collectively evaluated for impairment	2,323
FICO less than 660 | Recreational Vehicles and Autos
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans collectively evaluated for impairment	$ 1,924

LOANS & ALLOWANCE FOR LOAN LO66

LOANS & ALLOWANCE FOR LOAN LOSSES - ALLOWANCE FOR LOAN LOSS BY CLASS (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period				$ 18,373				$ 14,182	$ 18,373	$ 14,182	$ 9,636
Provision for loan loss	$ 2,900	$ 2,900	$ 2,900	2,500	$ 2,250	$ 1,600	$ 1,000	500	11,200	5,350	7,550
Charge-offs									(1,561)	(1,591)	(3,907)
Recoveries									315	432	903
Balance, end of period	28,327				18,373				28,327	18,373	14,182
Mortgage
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period				7,959				4,812	7,959	4,812	4,030
Provision for loan loss									6,305	3,214	1,469
Charge-offs									(747)	(125)	(730)
Recoveries									147	58	43
Balance, end of period	13,664				7,959				13,664	7,959	4,812
Home Equity
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period				134				183	134	183	192
Provision for loan loss									(1)	3	229
Charge-offs									(43)	(98)	(257)
Recoveries									32	46	19
Balance, end of period	122				134				122	134	183
Warehouse & Other
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period				1,259				1,250	1,259	1,250	108
Provision for loan loss									620	9	1,142
Charge-offs									0	0	0
Recoveries									0	0	0
Balance, end of period	1,879				1,259				1,879	1,259	1,250
Multifamily real estate secured
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period				3,785				3,186	3,785	3,186	2,558
Provision for loan loss									922	708	858
Charge-offs									(344)	(359)	(420)
Recoveries									0	250	190
Balance, end of period	4,363				3,785				4,363	3,785	3,186
Commercial real estate secured
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period				1,035				1,378	1,035	1,378	398
Provision for loan loss									224	12	1,958
Charge-offs									(156)	(355)	(1,496)
Recoveries									0	0	518
Balance, end of period	1,103				1,035				1,103	1,035	1,378
Auto and RV secured
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period				812				1,536	812	1,536	2,159
Provision for loan loss									288	(142)	131
Charge-offs									(271)	(620)	(867)
Recoveries									124	38	113
Balance, end of period	953				812				953	812	1,536
Factoring
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period				279				201	279	201	86
Provision for loan loss									13	78	115
Charge-offs									0	0	0
Recoveries									0	0	0
Balance, end of period	292				279				292	279	201
Commercial & Industrial
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period				3,048				1,623	3,048	1,623	102
Provision for loan loss									2,834	1,425	1,521
Charge-offs									0	0	0
Recoveries									0	0	0
Balance, end of period	5,882				3,048				5,882	3,048	1,623
Other
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period				$ 62				$ 13	62	13	3
Provision for loan loss									(5)	43	127
Charge-offs									0	(34)	(137)
Recoveries									12	40	20
Balance, end of period	$ 69				$ 62				$ 69	$ 62	$ 13

LOANS & ALLOWANCE FOR LOAN LO67

LOANS & ALLOWANCE FOR LOAN LOSSES - LOANS INDIVIDUALLY EVALUATED FOR IMPAIRMENT (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014
Financing Receivable, Evaluated Individually For Impairment, With Related Allowance Recorded [Abstract]
Unpaid Principal Balance	$ 37,058	$ 28,151
Charge-off	6,010	5,387
Unpaid Book Balance	31,048	22,764
Accrued Interest and Origination Fees	629	497
Recorded Investment	31,677	23,261
Related Allowance	$ 273	$ 77
Financing Receivable, Evaluated Individually For Impairment As a Percentage of Gross Loans [Abstract]
Unpaid Principal Balance	0.74%	0.78%
Charge-off	0.12%	0.15%
Unpaid Book Balance	0.62%	0.63%
Accrued Interest and Origination Fees	0.01%	0.02%
Recorded Investment	0.63%	0.65%
Related Allowance	0.01%	0.00%
Purchased
Financing Receivable, Evaluated Individually For Impairment, With No Related Allowance Recorded [Abstract]
Unpaid Principal Balance		$ 88
Charge-off		83
Unpaid Book Balance		5
Accrued Interest and Origination Fees		9
Recorded Investment		14
Single Family, Mortgage | In-house originated
Financing Receivable, Evaluated Individually For Impairment, With No Related Allowance Recorded [Abstract]
Unpaid Principal Balance	$ 7,000
Charge-off	657
Unpaid Book Balance	6,343
Accrued Interest and Origination Fees	129
Recorded Investment	6,472
Financing Receivable, Evaluated Individually For Impairment, With Related Allowance Recorded [Abstract]
Unpaid Principal Balance	10,142	4,074
Charge-off	0	0
Unpaid Book Balance	10,142	4,074
Accrued Interest and Origination Fees	0	22
Recorded Investment	10,142	4,096
Related Allowance	214	14
Single Family, Mortgage | Purchased
Financing Receivable, Evaluated Individually For Impairment, With No Related Allowance Recorded [Abstract]
Unpaid Principal Balance	6,318	7,413
Charge-off	2,083	2,189
Unpaid Book Balance	4,235	5,224
Accrued Interest and Origination Fees	157	223
Recorded Investment	4,392	5,447
Financing Receivable, Evaluated Individually For Impairment, With Related Allowance Recorded [Abstract]
Unpaid Principal Balance	2,339	4,087
Charge-off	0	0
Unpaid Book Balance	2,339	4,087
Accrued Interest and Origination Fees	9	53
Recorded Investment	2,348	4,140
Related Allowance	45	19
Multi-family | In-house originated
Financing Receivable, Evaluated Individually For Impairment, With Related Allowance Recorded [Abstract]
Unpaid Principal Balance	3,430	2,307
Charge-off	0	0
Unpaid Book Balance	3,430	2,307
Accrued Interest and Origination Fees	43	22
Recorded Investment	3,473	2,329
Related Allowance	2	3
Multi-family | Purchased
Financing Receivable, Evaluated Individually For Impairment, With No Related Allowance Recorded [Abstract]
Unpaid Principal Balance	2,569	2,615
Charge-off	921	746
Unpaid Book Balance	1,648	1,869
Accrued Interest and Origination Fees	0	5
Recorded Investment	1,648	1,874
Financing Receivable, Evaluated Individually For Impairment, With Related Allowance Recorded [Abstract]
Unpaid Principal Balance	321	125
Charge-off	0	0
Unpaid Book Balance	321	125
Accrued Interest and Origination Fees	20	0
Recorded Investment	341	125
Related Allowance	3	1
Home Equity | In-house originated
Financing Receivable, Evaluated Individually For Impairment, With Related Allowance Recorded [Abstract]
Unpaid Principal Balance	9	163
Charge-off	0	0
Unpaid Book Balance	9	163
Accrued Interest and Origination Fees	0	0
Recorded Investment	9	163
Related Allowance	1	1
Commercial real estate secured | Purchased
Financing Receivable, Evaluated Individually For Impairment, With No Related Allowance Recorded [Abstract]
Unpaid Principal Balance	3,662	3,670
Charge-off	1,534	1,297
Unpaid Book Balance	2,128	2,373
Accrued Interest and Origination Fees	254	133
Recorded Investment	2,382	2,506
Financing Receivable, Evaluated Individually For Impairment, With Related Allowance Recorded [Abstract]
Unpaid Principal Balance		2,003
Charge-off		0
Unpaid Book Balance		2,003
Accrued Interest and Origination Fees		2
Recorded Investment		2,005
Related Allowance		38
Recreational Vehicles and Autos | In-house originated
Financing Receivable, Evaluated Individually For Impairment, With No Related Allowance Recorded [Abstract]
Unpaid Principal Balance	1,097	1,561
Charge-off	815	1,072
Unpaid Book Balance	282	489
Accrued Interest and Origination Fees	13	27
Recorded Investment	295	516
Financing Receivable, Evaluated Individually For Impairment, With Related Allowance Recorded [Abstract]
Unpaid Principal Balance	171	45
Charge-off	0	0
Unpaid Book Balance	171	45
Accrued Interest and Origination Fees	4	1
Recorded Investment	175	46
Related Allowance	$ 8	$ 1

LOANS & ALLOWANCE FOR LOAN LO68

LOANS & ALLOWANCE FOR LOAN LOSSES - ALLOWANCE FOR LOAN LOSS BY PORTFOLIO SEGMENT (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Ending allowance balance attributable to loans, individually evaluated for impairment	$ 273	$ 77
Ending allowance balance attributable to loans, collectively evaluated for impairment	28,054	18,296
Total ending allowance balance	28,327	18,373
Loans individually evaluated for impairment	31,048	22,764
Loans collectively evaluated for impairment	4,970,223	3,570,116
Principal loan balance	5,001,271	3,592,880
Unaccreted discounts and loan fees	(44,326)	(41,666)
Accrued interest receivable	17,557	11,230
Total recorded investment in loans	4,974,502	3,562,444
Single Family, Mortgage
Financing Receivable, Allowance for Credit Losses [Line Items]
Ending allowance balance attributable to loans, individually evaluated for impairment	259	33
Ending allowance balance attributable to loans, collectively evaluated for impairment	13,405	7,926
Total ending allowance balance	13,664	7,959
Loans individually evaluated for impairment	23,059	13,385
Loans collectively evaluated for impairment	2,957,736	1,905,241
Principal loan balance	2,980,795	1,918,626
Unaccreted discounts and loan fees	10,438	7,138
Accrued interest receivable	10,530	5,947
Total recorded investment in loans	3,001,763	1,931,711
Home Equity
Financing Receivable, Allowance for Credit Losses [Line Items]
Ending allowance balance attributable to loans, individually evaluated for impairment	1	1
Ending allowance balance attributable to loans, collectively evaluated for impairment	121	133
Total ending allowance balance	122	134
Loans individually evaluated for impairment	9	168
Loans collectively evaluated for impairment	3,595	12,522
Principal loan balance	3,604	12,690
Unaccreted discounts and loan fees	11	(11)
Accrued interest receivable	5	39
Total recorded investment in loans	3,620	12,718
Warehouse & Other
Financing Receivable, Allowance for Credit Losses [Line Items]
Ending allowance balance attributable to loans, individually evaluated for impairment	0	0
Ending allowance balance attributable to loans, collectively evaluated for impairment	1,879	1,259
Total ending allowance balance	1,879	1,259
Loans individually evaluated for impairment	0	0
Loans collectively evaluated for impairment	385,413	370,717
Principal loan balance	385,413	370,717
Unaccreted discounts and loan fees	(83)	(2,055)
Accrued interest receivable	306	433
Total recorded investment in loans	385,636	369,095
Multi-family
Financing Receivable, Allowance for Credit Losses [Line Items]
Ending allowance balance attributable to loans, individually evaluated for impairment	5	4
Ending allowance balance attributable to loans, collectively evaluated for impairment	4,358	3,781
Total ending allowance balance	4,363	3,785
Loans individually evaluated for impairment	5,399	4,301
Loans collectively evaluated for impairment	1,180,132	974,210
Principal loan balance	1,185,531	978,511
Unaccreted discounts and loan fees	3,348	2,336
Accrued interest receivable	4,862	3,704
Total recorded investment in loans	1,193,741	984,551
Commercial real estate secured
Financing Receivable, Allowance for Credit Losses [Line Items]
Ending allowance balance attributable to loans, individually evaluated for impairment	0	38
Ending allowance balance attributable to loans, collectively evaluated for impairment	1,103	997
Total ending allowance balance	1,103	1,035
Loans individually evaluated for impairment	2,128	4,376
Loans collectively evaluated for impairment	59,275	19,685
Principal loan balance	61,403	24,061
Unaccreted discounts and loan fees	96	(37)
Accrued interest receivable	145	45
Total recorded investment in loans	61,644	24,069
Recreational Vehicles and Autos
Financing Receivable, Allowance for Credit Losses [Line Items]
Ending allowance balance attributable to loans, individually evaluated for impairment	8	1
Ending allowance balance attributable to loans, collectively evaluated for impairment	945	811
Total ending allowance balance	953	812
Loans individually evaluated for impairment	453	534
Loans collectively evaluated for impairment	12,687	14,206
Principal loan balance	13,140	14,740
Unaccreted discounts and loan fees	149	215
Accrued interest receivable	73	74
Total recorded investment in loans	13,362	15,029
Factoring
Financing Receivable, Allowance for Credit Losses [Line Items]
Ending allowance balance attributable to loans, individually evaluated for impairment	0	0
Ending allowance balance attributable to loans, collectively evaluated for impairment	292	279
Total ending allowance balance	292	279
Loans individually evaluated for impairment	0	0
Loans collectively evaluated for impairment	122,200	118,945
Principal loan balance	122,200	118,945
Unaccreted discounts and loan fees	(57,223)	(48,546)
Accrued interest receivable	477	163
Total recorded investment in loans	65,454	70,562
Commercial & Industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Ending allowance balance attributable to loans, individually evaluated for impairment	0	0
Ending allowance balance attributable to loans, collectively evaluated for impairment	5,882	3,048
Total ending allowance balance	5,882	3,048
Loans individually evaluated for impairment	0	0
Loans collectively evaluated for impairment	248,584	152,619
Principal loan balance	248,584	152,619
Unaccreted discounts and loan fees	(1,062)	(706)
Accrued interest receivable	1,159	825
Total recorded investment in loans	248,681	152,738
Other
Financing Receivable, Allowance for Credit Losses [Line Items]
Ending allowance balance attributable to loans, individually evaluated for impairment	0	0
Ending allowance balance attributable to loans, collectively evaluated for impairment	69	62
Total ending allowance balance	69	62
Loans individually evaluated for impairment	0	0
Loans collectively evaluated for impairment	601	1,971
Principal loan balance	601	1,971
Unaccreted discounts and loan fees	0	0
Accrued interest receivable	0	0
Total recorded investment in loans	$ 601	$ 1,971

LOANS & ALLOWANCE FOR LOAN LO69

LOANS & ALLOWANCE FOR LOAN LOSSES - NONPERFORMING LOANS (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	$ 30,831	$ 20,385
Total nonaccrual loans secured by real estate	$ 30,378	$ 19,851
Nonperforming loans to total loans, percent	0.62%	0.57%
In-house originated | Single Family, Mortgage
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	$ 16,485	$ 4,073
In-house originated | Home Equity
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	9	168
In-house originated | Multi-family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	3,430	2,307
Purchased | Single Family, Mortgage
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	6,357	8,323
Purchased | Multi-family
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	1,969	1,995
Purchased | Commercial real estate secured
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	2,128	2,985
Purchased | Recreational Vehicles and Autos
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	$ 453	$ 534

LOANS & ALLOWANCE FOR LOAN LO70

LOANS & ALLOWANCE FOR LOAN LOSSES - NONPERFORMING LOANS NARRATIVE (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
Financing Receivable, Impaired [Line Items]
Ratio of nonperforming loans considered TDRs	16.08%	19.60%
Interest recognized on performing loans temporarily modified as TDRs	$ 37	$ 119	$ 236
Average balances of performing TDR's	778	3,440	3,581
Average balances of non-performing loans	$ 29,967	$ 20,850	$ 23,367
Impaired Loans, Single Family Mortgage
Financing Receivable, Impaired [Line Items]
Ratio of non-performing loans that are single family mortgage	74.09%
Value after write-downs of original appraised value, percent	58.10%
Minimum
Financing Receivable, Impaired [Line Items]
Term which borrowers make timely payments after TDRs are considered non-performing	6 months

LOANS & ALLOWANCE FOR LOAN LO71

LOANS & ALLOWANCE FOR LOAN LOSSES - UNPAID PRINCIPAL BALANCE FOR PERFORMING AND NONPERFORMING (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014
Financing Receivable, Recorded Investment [Line Items]
Gross loans	$ 5,001,271	$ 3,592,880
Single Family, Mortgage
Financing Receivable, Recorded Investment [Line Items]
Gross loans	2,980,795	1,918,626
Home Equity
Financing Receivable, Recorded Investment [Line Items]
Gross loans	3,604	12,690
Warehouse & Other
Financing Receivable, Recorded Investment [Line Items]
Gross loans	385,413	370,717
Multi-family
Financing Receivable, Recorded Investment [Line Items]
Gross loans	1,185,531	978,511
Commercial real estate secured
Financing Receivable, Recorded Investment [Line Items]
Gross loans	61,403	24,061
Recreational Vehicles and Autos
Financing Receivable, Recorded Investment [Line Items]
Gross loans	13,140	14,740
Factoring
Financing Receivable, Recorded Investment [Line Items]
Gross loans	122,200	118,945
Commercial & Industrial
Financing Receivable, Recorded Investment [Line Items]
Gross loans	248,584	152,619
Other
Financing Receivable, Recorded Investment [Line Items]
Gross loans	601	1,971
Performing Financing Receivable
Financing Receivable, Recorded Investment [Line Items]
Gross loans	4,970,440	3,572,495
Performing Financing Receivable | Single Family, Mortgage
Financing Receivable, Recorded Investment [Line Items]
Gross loans	2,957,953	1,906,230
Performing Financing Receivable | Home Equity
Financing Receivable, Recorded Investment [Line Items]
Gross loans	3,595	12,522
Performing Financing Receivable | Warehouse & Other
Financing Receivable, Recorded Investment [Line Items]
Gross loans	385,413	370,717
Performing Financing Receivable | Multi-family
Financing Receivable, Recorded Investment [Line Items]
Gross loans	1,180,132	974,209
Performing Financing Receivable | Commercial real estate secured
Financing Receivable, Recorded Investment [Line Items]
Gross loans	59,275	21,076
Performing Financing Receivable | Recreational Vehicles and Autos
Financing Receivable, Recorded Investment [Line Items]
Gross loans	12,687	14,206
Performing Financing Receivable | Factoring
Financing Receivable, Recorded Investment [Line Items]
Gross loans	122,200	118,945
Performing Financing Receivable | Commercial & Industrial
Financing Receivable, Recorded Investment [Line Items]
Gross loans	248,584	152,619
Performing Financing Receivable | Other
Financing Receivable, Recorded Investment [Line Items]
Gross loans	601	1,971
Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Gross loans	30,831	20,385
Nonperforming | Single Family, Mortgage
Financing Receivable, Recorded Investment [Line Items]
Gross loans	22,842	12,396
Nonperforming | Home Equity
Financing Receivable, Recorded Investment [Line Items]
Gross loans	9	168
Nonperforming | Warehouse & Other
Financing Receivable, Recorded Investment [Line Items]
Gross loans	0	0
Nonperforming | Multi-family
Financing Receivable, Recorded Investment [Line Items]
Gross loans	5,399	4,302
Nonperforming | Commercial real estate secured
Financing Receivable, Recorded Investment [Line Items]
Gross loans	2,128	2,985
Nonperforming | Recreational Vehicles and Autos
Financing Receivable, Recorded Investment [Line Items]
Gross loans	453	534
Nonperforming | Factoring
Financing Receivable, Recorded Investment [Line Items]
Gross loans	0	0
Nonperforming | Commercial & Industrial
Financing Receivable, Recorded Investment [Line Items]
Gross loans	0	0
Nonperforming | Other
Financing Receivable, Recorded Investment [Line Items]
Gross loans	$ 0	$ 0

LOANS & ALLOWANCE FOR LOAN LO72

LOANS & ALLOWANCE FOR LOAN LOSSES - PERFORMING AND NONPERFORMING BY CLASS AND SOURCE (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014
Financing Receivable, Recorded Investment [Line Items]
Gross loans	$ 5,001,271	$ 3,592,880
Performing Financing Receivable
Financing Receivable, Recorded Investment [Line Items]
Gross loans	4,970,440	3,572,495
Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Gross loans	30,831	20,385
Single Family, Mortgage
Financing Receivable, Recorded Investment [Line Items]
Gross loans	2,980,795	1,918,626
Single Family, Mortgage | Performing Financing Receivable
Financing Receivable, Recorded Investment [Line Items]
Gross loans	2,957,953	1,906,230
Single Family, Mortgage | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Gross loans	22,842	12,396
Multi-family
Financing Receivable, Recorded Investment [Line Items]
Gross loans	1,185,531	978,511
Multi-family | Performing Financing Receivable
Financing Receivable, Recorded Investment [Line Items]
Gross loans	1,180,132	974,209
Multi-family | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Gross loans	5,399	4,302
Commercial real estate secured
Financing Receivable, Recorded Investment [Line Items]
Gross loans	61,403	24,061
Commercial real estate secured | Performing Financing Receivable
Financing Receivable, Recorded Investment [Line Items]
Gross loans	59,275	21,076
Commercial real estate secured | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Gross loans	2,128	2,985
In-house originated | Single Family, Mortgage
Financing Receivable, Recorded Investment [Line Items]
Gross loans	2,885,604	1,801,599
In-house originated | Single Family, Mortgage | Performing Financing Receivable
Financing Receivable, Recorded Investment [Line Items]
Gross loans	2,869,119	1,797,526
In-house originated | Single Family, Mortgage | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Gross loans	16,485	4,073
In-house originated | Multi-family
Financing Receivable, Recorded Investment [Line Items]
Gross loans	1,051,696	818,989
In-house originated | Multi-family | Performing Financing Receivable
Financing Receivable, Recorded Investment [Line Items]
Gross loans	1,048,266	816,682
In-house originated | Multi-family | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Gross loans	3,430	2,307
In-house originated | Commercial real estate secured
Financing Receivable, Recorded Investment [Line Items]
Gross loans	46,577	6,164
In-house originated | Commercial real estate secured | Performing Financing Receivable
Financing Receivable, Recorded Investment [Line Items]
Gross loans	46,577	6,164
In-house originated | Commercial real estate secured | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Gross loans	0	0
Purchased | Single Family, Mortgage
Financing Receivable, Recorded Investment [Line Items]
Gross loans	95,191	117,027
Purchased | Single Family, Mortgage | Performing Financing Receivable
Financing Receivable, Recorded Investment [Line Items]
Gross loans	88,834	108,704
Purchased | Single Family, Mortgage | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Gross loans	6,357	8,323
Purchased | Multi-family
Financing Receivable, Recorded Investment [Line Items]
Gross loans	133,835	159,522
Purchased | Multi-family | Performing Financing Receivable
Financing Receivable, Recorded Investment [Line Items]
Gross loans	131,866	157,527
Purchased | Multi-family | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Gross loans	1,969	1,995
Purchased | Commercial real estate secured
Financing Receivable, Recorded Investment [Line Items]
Gross loans	14,826	17,897
Purchased | Commercial real estate secured | Performing Financing Receivable
Financing Receivable, Recorded Investment [Line Items]
Gross loans	12,698	14,912
Purchased | Commercial real estate secured | Nonperforming
Financing Receivable, Recorded Investment [Line Items]
Gross loans	$ 2,128	$ 2,985

LOANS & ALLOWANCE FOR LOAN LO73

LOANS & ALLOWANCE FOR LOAN LOSSES - TROUBLED DEBT RESTRUCTURINGS BY CLASS (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
Financing Receivable, Modifications [Line Items]
Performing loans temporarily modified as TDR	$ 217	$ 2,379	$ 3,538
Non performing loans	30,831	20,385	18,303
Total impaired loans	31,048	22,764	21,841
Interest income recognized on performing TDR's	37	119	236
Average balances of performing TDR's	778	3,440	3,581
Average balances of non-performing loans	29,967	20,850	23,367
Single Family, Mortgage
Financing Receivable, Modifications [Line Items]
Performing loans temporarily modified as TDR	217	989	1,019
Non performing loans	22,842	12,396	11,353
Total impaired loans	23,059	13,385	12,372
Interest income recognized on performing TDR's	17	39	41
Average balances of performing TDR's	500	1,003	1,461
Average balances of non-performing loans	21,106	10,957	13,272
Home Equity
Financing Receivable, Modifications [Line Items]
Performing loans temporarily modified as TDR	0	0	20
Non performing loans	9	168	37
Total impaired loans	9	168	57
Interest income recognized on performing TDR's	0	0	1
Average balances of performing TDR's	0	32	29
Average balances of non-performing loans	51	60	98
Warehouse & Other
Financing Receivable, Modifications [Line Items]
Performing loans temporarily modified as TDR	0	0	0
Non performing loans	0	0	0
Total impaired loans	0	0	0
Interest income recognized on performing TDR's	0	0	0
Average balances of performing TDR's	0	0	0
Average balances of non-performing loans	0	0	0
Multi-family
Financing Receivable, Modifications [Line Items]
Performing loans temporarily modified as TDR	0	0	1,623
Non performing loans	5,399	4,301	2,882
Total impaired loans	5,399	4,301	4,505
Interest income recognized on performing TDR's	0	0	121
Average balances of performing TDR's	0	542	1,059
Average balances of non-performing loans	5,320	5,021	5,250
Commercial real estate secured
Financing Receivable, Modifications [Line Items]
Performing loans temporarily modified as TDR	0	1,390	0
Non performing loans	2,128	2,986	3,559
Total impaired loans	2,128	4,376	3,559
Interest income recognized on performing TDR's	20	80	0
Average balances of performing TDR's	278	1,407	0
Average balances of non-performing loans	3,028	3,900	2,878
Recreational Vehicles and Autos
Financing Receivable, Modifications [Line Items]
Performing loans temporarily modified as TDR	0	0	876
Non performing loans	453	534	472
Total impaired loans	453	534	1,348
Interest income recognized on performing TDR's	0	0	73
Average balances of performing TDR's	0	456	1,032
Average balances of non-performing loans	462	898	1,858
Factoring
Financing Receivable, Modifications [Line Items]
Performing loans temporarily modified as TDR	0	0	0
Non performing loans	0	0	0
Total impaired loans	0	0	0
Interest income recognized on performing TDR's	0	0	0
Average balances of performing TDR's	0	0	0
Average balances of non-performing loans	0	9	0
Commercial & Industrial
Financing Receivable, Modifications [Line Items]
Performing loans temporarily modified as TDR	0	0	0
Non performing loans	0	0	0
Total impaired loans	0	0	0
Interest income recognized on performing TDR's	0	0	0
Average balances of performing TDR's	0	0	0
Average balances of non-performing loans	0	0	0
Other
Financing Receivable, Modifications [Line Items]
Performing loans temporarily modified as TDR	0	0	0
Non performing loans	0	0	0
Total impaired loans	0	0	0
Interest income recognized on performing TDR's	0	0	0
Average balances of performing TDR's	0	0	0
Average balances of non-performing loans	$ 0	$ 5	$ 11

LOANS & ALLOWANCE FOR LOAN LO74

LOANS & ALLOWANCE FOR LOAN LOSSES - LOANS MODIFIED AS TDR BY CLASS (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
Financing Receivable, Modifications [Line Items]
TDRs	$ 36	$ 211	$ 3,629
Total TDR loans secured by real estate	36	211	3,629
RV / Auto
Financing Receivable, Modifications [Line Items]
TDRs	0		0
In-house originated | Single Family, Mortgage
Financing Receivable, Modifications [Line Items]
TDRs	36	0
Purchased | Single Family, Mortgage
Financing Receivable, Modifications [Line Items]
TDRs	0	211	832
Purchased | Multi-family
Financing Receivable, Modifications [Line Items]
TDRs	0	0	1,342
Purchased | Commercial real estate secured
Financing Receivable, Modifications [Line Items]
TDRs	$ 0	$ 0	$ 1,455

LOANS & ALLOWANCE FOR LOAN LO75

LOANS & ALLOWANCE FOR LOAN LOSSES - LOANS BY CLASS MODIFIED AS TDR WITH PRE AND POST BALANCES (Details) $ in Thousands	12 Months Ended
	Jun. 30, 2015USD ($)loan	Jun. 30, 2014USD ($)loan	Jun. 30, 2013USD ($)loan
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	1	2	5
Pre-Modification Outstanding Recorded Investment	$ 36	$ 211	$ 3,629
Post-Modification Outstanding Recorded Investment	$ 36	$ 211	$ 3,629
In-house originated | Single Family, Mortgage
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	1
Pre-Modification Outstanding Recorded Investment	$ 36
Post-Modification Outstanding Recorded Investment	$ 36
Purchased | Single Family, Mortgage
Financing Receivable, Modifications [Line Items]
Number of Loans | loan		2	3
Pre-Modification Outstanding Recorded Investment		$ 211	$ 832
Post-Modification Outstanding Recorded Investment		$ 211	$ 832
Purchased | Multi-family
Financing Receivable, Modifications [Line Items]
Number of Loans | loan			1
Pre-Modification Outstanding Recorded Investment			$ 1,342
Post-Modification Outstanding Recorded Investment			$ 1,342
Purchased | Commercial real estate secured
Financing Receivable, Modifications [Line Items]
Number of Loans | loan			1
Pre-Modification Outstanding Recorded Investment			$ 1,455
Post-Modification Outstanding Recorded Investment			$ 1,455

LOANS & ALLOWANCE FOR LOAN LO76

LOANS & ALLOWANCE FOR LOAN LOSSES - LOANS BY CREDIT QUALITY INDICATOR (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014
Financing Receivable, Recorded Investment [Line Items]
Gross loans	$ 5,001,271	$ 3,592,880
Ratio of Grade Class to Gross Loans	100.00%	100.00%
Single Family, Mortgage
Financing Receivable, Recorded Investment [Line Items]
Gross loans	$ 2,980,795	$ 1,918,626
Home Equity
Financing Receivable, Recorded Investment [Line Items]
Gross loans	3,604	12,690
Warehouse and other
Financing Receivable, Recorded Investment [Line Items]
Gross loans	385,413	370,717
Multi-family
Financing Receivable, Recorded Investment [Line Items]
Gross loans	1,185,531	978,511
Commercial real estate secured
Financing Receivable, Recorded Investment [Line Items]
Gross loans	61,403	24,061
Recreational Vehicles and Autos
Financing Receivable, Recorded Investment [Line Items]
Gross loans	13,140	14,740
Factoring
Financing Receivable, Recorded Investment [Line Items]
Gross loans	122,200	118,945
Commercial & Industrial
Financing Receivable, Recorded Investment [Line Items]
Gross loans	248,584	152,619
Other
Financing Receivable, Recorded Investment [Line Items]
Gross loans	601	1,971
In-house originated | Single Family, Mortgage
Financing Receivable, Recorded Investment [Line Items]
Gross loans	2,885,604	1,801,599
In-house originated | Home Equity
Financing Receivable, Recorded Investment [Line Items]
Gross loans	3,604	4,233
In-house originated | Warehouse and other
Financing Receivable, Recorded Investment [Line Items]
Gross loans	385,413	370,717
In-house originated | Multi-family
Financing Receivable, Recorded Investment [Line Items]
Gross loans	1,051,696	818,989
In-house originated | Commercial real estate secured
Financing Receivable, Recorded Investment [Line Items]
Gross loans	46,577	6,164
In-house originated | Recreational Vehicles and Autos
Financing Receivable, Recorded Investment [Line Items]
Gross loans	13,140	14,740
Purchased | Single Family, Mortgage
Financing Receivable, Recorded Investment [Line Items]
Gross loans	95,191	117,027
Purchased | Home Equity
Financing Receivable, Recorded Investment [Line Items]
Gross loans		8,457
Purchased | Multi-family
Financing Receivable, Recorded Investment [Line Items]
Gross loans	133,835	159,522
Purchased | Commercial real estate secured
Financing Receivable, Recorded Investment [Line Items]
Gross loans	14,826	17,897
Pass
Financing Receivable, Recorded Investment [Line Items]
Gross loans	$ 4,917,881	$ 3,525,866
Ratio of Grade Class to Gross Loans	98.30%	98.10%
Pass | Factoring
Financing Receivable, Recorded Investment [Line Items]
Gross loans	$ 122,200	$ 118,945
Pass | Commercial & Industrial
Financing Receivable, Recorded Investment [Line Items]
Gross loans	239,415	152,619
Pass | Other
Financing Receivable, Recorded Investment [Line Items]
Gross loans	601	1,971
Pass | In-house originated | Single Family, Mortgage
Financing Receivable, Recorded Investment [Line Items]
Gross loans	2,855,637	1,784,694
Pass | In-house originated | Home Equity
Financing Receivable, Recorded Investment [Line Items]
Gross loans	3,473	4,035
Pass | In-house originated | Warehouse and other
Financing Receivable, Recorded Investment [Line Items]
Gross loans	375,588	370,717
Pass | In-house originated | Multi-family
Financing Receivable, Recorded Investment [Line Items]
Gross loans	1,036,718	796,119
Pass | In-house originated | Commercial real estate secured
Financing Receivable, Recorded Investment [Line Items]
Gross loans	46,577	6,164
Pass | In-house originated | Recreational Vehicles and Autos
Financing Receivable, Recorded Investment [Line Items]
Gross loans	12,630	13,943
Pass | Purchased | Single Family, Mortgage
Financing Receivable, Recorded Investment [Line Items]
Gross loans	87,256	104,457
Pass | Purchased | Home Equity
Financing Receivable, Recorded Investment [Line Items]
Gross loans		8,457
Pass | Purchased | Multi-family
Financing Receivable, Recorded Investment [Line Items]
Gross loans	127,839	150,534
Pass | Purchased | Commercial real estate secured
Financing Receivable, Recorded Investment [Line Items]
Gross loans	9,947	13,211
Special Mention
Financing Receivable, Recorded Investment [Line Items]
Gross loans	$ 47,325	$ 33,252
Ratio of Grade Class to Gross Loans	1.00%	0.90%
Special Mention | Factoring
Financing Receivable, Recorded Investment [Line Items]
Gross loans	$ 0	$ 0
Special Mention | Commercial & Industrial
Financing Receivable, Recorded Investment [Line Items]
Gross loans	9,169	0
Special Mention | Other
Financing Receivable, Recorded Investment [Line Items]
Gross loans	0	0
Special Mention | In-house originated | Single Family, Mortgage
Financing Receivable, Recorded Investment [Line Items]
Gross loans	11,256	11,083
Special Mention | In-house originated | Home Equity
Financing Receivable, Recorded Investment [Line Items]
Gross loans	0	30
Special Mention | In-house originated | Warehouse and other
Financing Receivable, Recorded Investment [Line Items]
Gross loans	9,825	0
Special Mention | In-house originated | Multi-family
Financing Receivable, Recorded Investment [Line Items]
Gross loans	10,926	16,068
Special Mention | In-house originated | Commercial real estate secured
Financing Receivable, Recorded Investment [Line Items]
Gross loans	0	0
Special Mention | In-house originated | Recreational Vehicles and Autos
Financing Receivable, Recorded Investment [Line Items]
Gross loans	19	145
Special Mention | Purchased | Single Family, Mortgage
Financing Receivable, Recorded Investment [Line Items]
Gross loans	216	3,030
Special Mention | Purchased | Home Equity
Financing Receivable, Recorded Investment [Line Items]
Gross loans		0
Special Mention | Purchased | Multi-family
Financing Receivable, Recorded Investment [Line Items]
Gross loans	3,470	2,896
Special Mention | Purchased | Commercial real estate secured
Financing Receivable, Recorded Investment [Line Items]
Gross loans	2,444	0
Substandard
Financing Receivable, Recorded Investment [Line Items]
Gross loans	$ 36,065	$ 33,762
Ratio of Grade Class to Gross Loans	0.70%	1.00%
Substandard | Factoring
Financing Receivable, Recorded Investment [Line Items]
Gross loans	$ 0	$ 0
Substandard | Commercial & Industrial
Financing Receivable, Recorded Investment [Line Items]
Gross loans	0	0
Substandard | Other
Financing Receivable, Recorded Investment [Line Items]
Gross loans	0	0
Substandard | In-house originated | Single Family, Mortgage
Financing Receivable, Recorded Investment [Line Items]
Gross loans	18,711	5,822
Substandard | In-house originated | Home Equity
Financing Receivable, Recorded Investment [Line Items]
Gross loans	131	168
Substandard | In-house originated | Warehouse and other
Financing Receivable, Recorded Investment [Line Items]
Gross loans	0	0
Substandard | In-house originated | Multi-family
Financing Receivable, Recorded Investment [Line Items]
Gross loans	4,052	$ 6,802
Substandard | In-house originated | Commercial real estate secured
Financing Receivable, Recorded Investment [Line Items]
Gross loans	0
Substandard | In-house originated | Recreational Vehicles and Autos
Financing Receivable, Recorded Investment [Line Items]
Gross loans	491	$ 652
Substandard | Purchased | Single Family, Mortgage
Financing Receivable, Recorded Investment [Line Items]
Gross loans	7,719	9,540
Substandard | Purchased | Home Equity
Financing Receivable, Recorded Investment [Line Items]
Gross loans		0
Substandard | Purchased | Multi-family
Financing Receivable, Recorded Investment [Line Items]
Gross loans	2,526	6,092
Substandard | Purchased | Commercial real estate secured
Financing Receivable, Recorded Investment [Line Items]
Gross loans	2,435	4,686
Doubtful
Financing Receivable, Recorded Investment [Line Items]
Gross loans	$ 0	$ 0
Ratio of Grade Class to Gross Loans	0.00%	0.00%
Doubtful | Factoring
Financing Receivable, Recorded Investment [Line Items]
Gross loans	$ 0	$ 0
Doubtful | Commercial & Industrial
Financing Receivable, Recorded Investment [Line Items]
Gross loans	0	0
Doubtful | Other
Financing Receivable, Recorded Investment [Line Items]
Gross loans	0	0
Doubtful | In-house originated | Single Family, Mortgage
Financing Receivable, Recorded Investment [Line Items]
Gross loans	0	0
Doubtful | In-house originated | Home Equity
Financing Receivable, Recorded Investment [Line Items]
Gross loans	0	0
Doubtful | In-house originated | Warehouse and other
Financing Receivable, Recorded Investment [Line Items]
Gross loans	0	0
Doubtful | In-house originated | Multi-family
Financing Receivable, Recorded Investment [Line Items]
Gross loans	0	0
Doubtful | In-house originated | Commercial real estate secured
Financing Receivable, Recorded Investment [Line Items]
Gross loans	0	0
Doubtful | In-house originated | Recreational Vehicles and Autos
Financing Receivable, Recorded Investment [Line Items]
Gross loans	0	0
Doubtful | Purchased | Single Family, Mortgage
Financing Receivable, Recorded Investment [Line Items]
Gross loans	0	0
Doubtful | Purchased | Home Equity
Financing Receivable, Recorded Investment [Line Items]
Gross loans		0
Doubtful | Purchased | Multi-family
Financing Receivable, Recorded Investment [Line Items]
Gross loans	0	0
Doubtful | Purchased | Commercial real estate secured
Financing Receivable, Recorded Investment [Line Items]
Gross loans	$ 0	$ 0

LOANS & ALLOWANCE FOR LOAN LO77

LOANS & ALLOWANCE FOR LOAN LOSSES - PAST DUE LOANS (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	$ 22,557	$ 14,917
Past due loans as a percentage of gross loans	0.45%	0.42%
Single Family, Mortgage | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	$ 15,601	$ 7,668
Single Family, Mortgage | Purchased
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	3,843	5,519
Home Equity | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	130	21
Multi-family | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	1,035	584
Multi-family | Purchased
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	321	125
Commercial real estate secured | Purchased
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	1,164	383
Auto and RV secured | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	463	241
Factoring
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans		48
RV / Auto
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans		328
30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	$ 3,174	$ 6,524
Past due loans as a percentage of gross loans	0.06%	0.18%
30-59 Days Past Due | Single Family, Mortgage | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	$ 1,275	$ 4,519
30-59 Days Past Due | Single Family, Mortgage | Purchased
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	472	1,468
30-59 Days Past Due | Home Equity | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	130	21
30-59 Days Past Due | Multi-family | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	244	291
30-59 Days Past Due | Multi-family | Purchased
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	0	0
30-59 Days Past Due | Commercial real estate secured | Purchased
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	782	0
30-59 Days Past Due | Auto and RV secured | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	271	177
30-59 Days Past Due | Factoring
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans		48
30-59 Days Past Due | RV / Auto
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans		0
60-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	$ 3,001	$ 1,207
Past due loans as a percentage of gross loans	0.06%	0.04%
60-89 Days Past Due | Single Family, Mortgage | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	$ 2,876	$ 489
60-89 Days Past Due | Single Family, Mortgage | Purchased
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	0	390
60-89 Days Past Due | Home Equity | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	0	0
60-89 Days Past Due | Multi-family | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	0	0
60-89 Days Past Due | Multi-family | Purchased
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	0	0
60-89 Days Past Due | Commercial real estate secured | Purchased
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	0	0
60-89 Days Past Due | Auto and RV secured | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	125	0
60-89 Days Past Due | Factoring
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans		0
60-89 Days Past Due | RV / Auto
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans		328
90 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	$ 16,382	$ 7,186
Past due loans as a percentage of gross loans	0.33%	0.20%
90 Days Past Due | Single Family, Mortgage | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	$ 11,450	$ 2,660
90 Days Past Due | Single Family, Mortgage | Purchased
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	3,371	3,661
90 Days Past Due | Home Equity | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	0	0
90 Days Past Due | Multi-family | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	791	293
90 Days Past Due | Multi-family | Purchased
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	321	125
90 Days Past Due | Commercial real estate secured | Purchased
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	382	383
90 Days Past Due | Auto and RV secured | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	$ 67	64
90 Days Past Due | Factoring
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans		0
90 Days Past Due | RV / Auto
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans		$ 0

FURNITURE, EQUIPMENT AND SOFT78

FURNITURE, EQUIPMENT AND SOFTWARE (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
Property, Plant and Equipment [Line Items]
Furniture, equipment and software, gross	$ 19,540	$ 14,553
Less accumulated depreciation and amortization	(10,989)	(7,846)
Furniture, equipment and software—net	8,551	6,707
Depreciation and amortization	3,273	2,874	$ 1,904
Leasehold improvements
Property, Plant and Equipment [Line Items]
Furniture, equipment and software, gross	1,508	1,513
Furniture and fixtures
Property, Plant and Equipment [Line Items]
Furniture, equipment and software, gross	3,767	3,028
Computer hardware and equipment
Property, Plant and Equipment [Line Items]
Furniture, equipment and software, gross	7,105	5,220
Software
Property, Plant and Equipment [Line Items]
Furniture, equipment and software, gross	$ 7,160	$ 4,792

DEPOSITS - SUMMARY OF DEPOSIT A

DEPOSITS - SUMMARY OF DEPOSIT ACCOUNTS (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014
Non-interest-bearing:
Non-interest bearing	$ 309,339	$ 186,786
Interest-bearing:
Demand	$ 1,224,308	$ 1,129,535
Demand, Rate	0.48%	0.63%
Savings	$ 2,126,792	$ 935,973
Savings, Rate	0.67%	0.73%
Total demand and savings	$ 3,351,100	$ 2,065,508
Total demand and savings, Rate	0.60%	0.67%
Time deposits:
$100	$ 70,369	$ 107,294
Under $100, Rate	1.26%	1.23%
$100 or more	$ 721,109	$ 681,948
$100 or more, Rate	2.06%	1.67%
Total time deposits	$ 791,478	$ 789,242
Total time deposits, Rate	1.99%	1.61%
Total interest bearing	$ 4,142,578	$ 2,854,750
Total interest bearing, Rate	0.87%	0.93%
Total deposits	$ 4,451,917	$ 3,041,536
Total deposits, Rate	0.81%	0.88%
Time deposits acquired through broker relationships	$ 661,900	$ 404,800
Time deposits acquired through broker relationships, over $100,000	356,300	275,400
Deposits from principal officers, directors and their affiliates	$ 4,458	$ 907

DEPOSITS - MATURITIES (Details)

DEPOSITS - MATURITIES (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014
Deposits [Abstract]
Within 12 months	$ 373,999
13 to 24 months	73,118
25 to 36 months	36,991
37 to 48 months	4,605
49 to 60 months	71,212
Thereafter	231,553
Total time deposits	$ 791,478	$ 789,242

ADVANCES FROM THE FEDERAL HOM81

ADVANCES FROM THE FEDERAL HOME LOAN BANK (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
Banking and Thrift [Abstract]
Advances, fixed-rate range from	0.24%	0.18%
Advances, fixed-rate range to	5.62%	5.62%
Federal Home Loan Bank, Advances, Fiscal Year Maturity [Abstract]
Within one year, Amount	$ 323,000	$ 555,000
After one but within two years, Amount	95,000	15,000
After two but within three years, Amount	30,000	115,000
After three but within four years, Amount	135,000	30,000
After four but within five years, Amount	55,000	135,000
After five years, Amount	115,000	60,000
Total, Amount	$ 753,000	$ 910,000
Federal Home Loan Bank, Advances, Weighted-Average Rate [Abstract]
Within one year, Weighted-Average Rate	0.45%	0.32%
After one but within two years, Weighted-Average Rate	1.24%	2.46%
After two but within three years, Weighted-Average Rate	2.80%	1.36%
After three but within four years, Weighted-Average Rate	2.03%	2.80%
After four but within five years, Weighted-Average Rate	1.79%	2.03%
After five years, Weighted-Average Rate	2.65%	2.58%
Total, Weighted-Average Rate	1.36%	0.97%
Putable advances	$ 5,000
Putable advances, weighted-average remaining contractual maturity period	2 years 6 months 29 days
Putable advances, weighted-average remaining period until putable	26 days
Advances, collateral pledged	$ 2,568,575	$ 1,889,405
Advances, maximum amount	1,075,000	$ 910,000	$ 590,417
Advances, amount available immediately	$ 1,584,729
Advances, amount available with additional collateral, term	10 years

SECURITIES SOLD UNDER AGREEME82

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Assets Sold under Agreements to Repurchase [Line Items]
Securities sold under agreements to repurchase	$ 35,000	$ 45,000
Maturity on Demand
Assets Sold under Agreements to Repurchase [Line Items]
Amount to be repaid under the repurchase agreements	$ 35,000
Minimum
Assets Sold under Agreements to Repurchase [Line Items]
Repurchase agreements interest rates	3.75%
Maximum
Assets Sold under Agreements to Repurchase [Line Items]
Repurchase agreements interest rates	4.75%
Weighted Average
Assets Sold under Agreements to Repurchase [Line Items]
Repurchase agreements interest rates	4.38%
Remaining contractual maturity period	2 years 1 month 10 days
Remaining period until callable	1 month 21 days

JUNIOR SUBORDINATED DEBTURES 83

JUNIOR SUBORDINATED DEBTURES AND OTHER BORROWINGS - TRUST PREFERRED SECURITIES (Details) - USD ($) $ in Thousands	Dec. 16, 2004	Jun. 30, 2015
Debt Instrument [Line Items]
Trust preferred securities	$ 5,000
Junior Subordinated Debt
Debt Instrument [Line Items]
Junior subordinated debenture		$ 5,155
Description of variable rate basis		three-month LIBOR
Basis spread on variable rate		2.40%
Effective rate		2.68%

JUNIOR SUBORDINATED DEBTURES 84

JUNIOR SUBORDINATED DEBTURES AND OTHER BORROWINGS - FEDERAL RESERVE BANK DISCOUNT WINDOW (Details) - USD ($)	Jun. 30, 2015	Jun. 30, 2014
Short-term Debt [Line Items]
Consumer loans pledged as collateral	$ 11,321,000
Mortgage-backed securities pledged as collateral	13,938,000
Federal Reserve Bank Advances
Short-term Debt [Line Items]
Short-term borrowings outstanding	0	$ 0
Maximum borrowing capacity	$ 8,705,000	$ 16,582,000

JUNIOR SUBORDINATED DEBTURES 85

JUNIOR SUBORDINATED DEBTURES AND OTHER BORROWINGS - FEDERAL FUNDS LINES OF CREDIT (Details) - Line of Credit	Jun. 30, 2015USD ($)bank	Jun. 30, 2014USD ($)
Line of Credit Facility [Line Items]
Federal funds lines of credit, number of banks | bank	2
Maximum borrowing capacity	$ 35,000,000
Amount outstanding	$ 0	$ 0

INCOME TAXES - COMPONENTS OF IN

INCOME TAXES - COMPONENTS OF INCOME TAXES (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
Current:
Federal									$ 49,801	$ 31,069	$ 24,875
State									17,192	9,284	7,653
Current income taxes									66,993	40,353	32,528
Deferred:
Federal									(7,015)	(1,645)	(3,585)
State									(1,803)	(395)	(1,033)
Deferred income taxes									(8,818)	(2,040)	(4,618)
Total	$ 17,525	$ 14,714	$ 13,599	$ 12,337	$ 11,193	$ 10,318	$ 8,912	$ 7,890	$ 58,175	$ 38,313	$ 27,910

INCOME TAXES - EFFECTIVE INCOME

INCOME TAXES - EFFECTIVE INCOME TAX RATE RECONCILIATION (Details)	12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
Effective Income Tax Rate Reconciliation
Statutory federal tax rate	35.00%	35.00%	35.00%
State taxes—net of federal tax benefit	6.81%	6.67%	7.29%
Cash surrender value	(0.04%)	(0.07%)	(0.09%)
Tax credits	(0.24%)	(0.20%)	(0.69%)
Non-taxable income	(0.58%)	(0.56%)	(0.79%)
Other	0.35%	(0.20%)	0.20%
Effective tax rate	41.30%	40.64%	40.92%

INCOME TAXES - NET DEFERRED TAX

INCOME TAXES - NET DEFERRED TAX ASSET (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014
Deferred tax assets:
Allowance for loan losses and charge-offs	$ 13,047	$ 8,398
State taxes	2,581	973
Stock-based compensation expense	1,397	885
Unrealized net losses on securities	6,905	7,899
Deferred bonus / vacation	416	495
Securities impaired	10,903	9,633
Deferred loan fees	60	0
Total deferred tax assets	35,309	28,283
Deferred tax liabilities:
Deferred loan fees	0	(467)
FHLB stock dividend	(1,180)	(1,171)
Other assets—prepaids	(632)	(427)
Depreciation	(542)	(973)
Deferred tax liabilities	(2,354)	(3,038)
Net deferred tax asset	$ 32,955	$ 25,245

INCOME TAXES - UNRECOGNIZED TAX

INCOME TAXES - UNRECOGNIZED TAX BENEFITS (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Beginning balance	$ 293	$ 1,122	$ 78
Additions - current year tax positions	135	55	678
Additions - prior year tax positions	568	30	568
Reductions - prior year tax positions	(217)	(914)	(202)
Ending balance	$ 779	$ 293	$ 1,122

STOCKHOLDERS' EQUITY - NARRATIV

STOCKHOLDERS' EQUITY - NARRATIVE (Details) - USD ($)	Feb. 23, 2015	Jul. 22, 2014	Apr. 24, 2013	Mar. 11, 2013	Oct. 11, 2012	Sep. 11, 2012	Oct. 28, 2003	Jun. 30, 2015	May. 31, 2015	Apr. 30, 2015	Mar. 31, 2015	Feb. 28, 2015	Jan. 31, 2015	Dec. 31, 2014	Nov. 30, 2014	Oct. 31, 2014	Sep. 30, 2014	Aug. 31, 2014	Jun. 30, 2014	May. 31, 2014	Feb. 28, 2014	Jan. 31, 2014	Dec. 31, 2013	Nov. 30, 2013	Oct. 31, 2013	Mar. 31, 2013	Jan. 31, 2015	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2004	Jan. 01, 2009
Common Stock, Number of Shares [Roll Forward]
Common stock, shares issued																											15,423,822	15,423,822	14,638,229	12,321,578
Common stock, shares outstanding																											14,451,900	14,451,900	13,733,325	11,512,536
Common stock issued through option exercise or exchange, shares issued																												86,350	55,532	27,135
Common stock issued through option exercise or exchange, shares outstanding																												44,063	55,532	27,135
Common stock issued through public offering																												949,089	560,301	200,000
Common stock issued through preferred stock conversion																												0	0	1,855,411
Common stock issued through grants of restricted stock units																												129,850	169,760	234,105
Common stock issued through grants of restricted stock units																												73,699	102,742	138,243
Common stock, shares issued								16,589,111											15,423,822									16,589,111	15,423,822	14,638,229
Common stock, shares outstanding								15,518,751											14,451,900									15,518,751	14,451,900	13,733,325
Proceeds from issuance of common stock																												$ 75,985,000	$ 41,576,000	$ 6,765,000
Preferred stock, par or stated value								$ 0.01											$ 0.01									$ 0.01	$ 0.01
Cash dividends on preferred stock																												$ 309,000	$ 309,000	835,000
Preferred stock, initial conversion price for holders			$ 30.50
Common Stock
Common Stock, Number of Shares [Roll Forward]
Common stock issued through preferred stock conversion			608,840			1,246,571
Convertible Series A Preferred Stock
Common Stock, Number of Shares [Roll Forward]
Preferred Stock, dividend rate percent							6.00%
Preferred Stock, remaining number of shares to be redeemed							515
Preferred stock, par or stated value							$ 10,000	$ 10,000											$ 10,000									$ 10,000	$ 10,000		$ 10,000
Value of new issues of stock																															$ 6,750,000
Stock issued during period, shares, new issues																															675
Payments of stock issuance costs																															$ 113,000
Options surrendered in exchange																																160
Cash dividends on preferred stock																												$ 309,000	$ 309,000	$ 309,000
Preferred stock, shares issued								515											515									515	515
Number of years after which preferred shares are convertible							5 years
Series B Preferred Stock
Common Stock, Number of Shares [Roll Forward]
Options surrendered in exchange						20,132
Preferred stock, initial conversion price for holders						$ 16.15
Convertible Series C Preferred Stock
Common Stock, Number of Shares [Roll Forward]
Options surrendered in exchange			1,857
Series C Preferred Stock
Common Stock, Number of Shares [Roll Forward]
Share price					$ 10,000
Noncumulative Preferred Stock | Convertible Series C Preferred Stock
Common Stock, Number of Shares [Roll Forward]
Proceeds from issuance of common stock					$ 18,544,000
Preferred Stock, dividend rate percent					6.00%
Preferred stock, par or stated value					$ 0.01
Preferred stock, shares issued					1,857
Aggregate proceeds from issuance of stock					$ 18,570,000
At-the-Market Equity Distribution Agreement | Common Stock
Common Stock, Number of Shares [Roll Forward]
Common stock, shares issued								30,700,000	66,272,000	129,632,000	10,000,000	121,570,000	66,800,000	130,000,000	50,000,000	236,800,000	44,417,000		124,000,000		90,000,000	38,599,000	147,820,000	49,580,000			60,694,000	60,694,000
Common stock, shares issued								62,898,000	30,700,000	66,272,000	129,632,000	10,000,000	121,570,000	66,800,000	130,000,000	50,000,000	236,800,000	44,417,000	60,694,000	124,000,000	49,608,000	90,000,000	38,599,000	147,820,000	49,580,000	200,000,000	121,570,000	62,898,000	60,694,000
Aggregate offering price	$ 50,000,000	$ 50,000		$ 50,000
Aggregate compensation payable to Distribution Agents as a percentage of gross sales price	2.50%	2.50%		2.50%
Maximum amount of expense reimbursable to Distribution Agents	$ 75,000	$ 75,000		$ 125,000
Proceeds from issuance of common stock								$ 6,057,000	$ 2,837,000	$ 5,971,000	$ 11,818,000	$ 884,000	$ 9,646,000	$ 5,130,000	$ 9,924,000	$ 3,423,000	$ 17,218,000	$ 3,409,000	$ 4,647,000	$ 9,409,000	$ 3,942,000	$ 7,054,000	$ 2,984,000	$ 10,431,000	$ 3,409,000	$ 6,874,000	$ 50,000,000	$ 28,300	$ 50,000,000
Maximum amount to reimbursable expenses of distribution agents, thereafter	$ 25,000
Remaining amount to sell under offering								$ 21,700,000																				$ 21,700,000

STOCKHOLDERS' EQUITY - ATM OFFE

STOCKHOLDERS' EQUITY - ATM OFFERING (Details) - USD ($)	1 Months Ended																			7 Months Ended	12 Months Ended
	Jun. 30, 2015	May. 31, 2015	Apr. 30, 2015	Mar. 31, 2015	Feb. 28, 2015	Jan. 31, 2015	Dec. 31, 2014	Nov. 30, 2014	Oct. 31, 2014	Sep. 30, 2014	Aug. 31, 2014	Jun. 30, 2014	May. 31, 2014	Feb. 28, 2014	Jan. 31, 2014	Dec. 31, 2013	Nov. 30, 2013	Oct. 31, 2013	Mar. 31, 2013	Jan. 31, 2015	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2012
Class of Stock [Line Items]
Number of Shares Sold (in shares)	16,589,111											15,423,822									16,589,111	15,423,822	14,638,229	12,321,578
Net Proceeds																					$ 75,985,000	$ 41,576,000	$ 6,765,000
At-the-Market Equity Distribution Agreement | Common Stock
Class of Stock [Line Items]
Weighted Average Per Share Price (dollars per share)	$ 98.77	$ 94.77	$ 92.41	$ 93.50	$ 90.71	$ 81.38	$ 78.76	$ 78.30	$ 70.22	$ 74.58	$ 78.72	$ 78.52	$ 77.83	$ 81.51	$ 80.39	$ 79.30	$ 72.37	$ 70.53	$ 35.25
Number of Shares Sold (in shares)	62,898,000	30,700,000	66,272,000	129,632,000	10,000,000	121,570,000	66,800,000	130,000,000	50,000,000	236,800,000	44,417,000	60,694,000	124,000,000	49,608,000	90,000,000	38,599,000	147,820,000	49,580,000	200,000,000	121,570,000	62,898,000	60,694,000
Net Proceeds	$ 6,057,000	$ 2,837,000	$ 5,971,000	$ 11,818,000	$ 884,000	$ 9,646,000	$ 5,130,000	$ 9,924,000	$ 3,423,000	$ 17,218,000	$ 3,409,000	$ 4,647,000	$ 9,409,000	$ 3,942,000	$ 7,054,000	$ 2,984,000	$ 10,431,000	$ 3,409,000	$ 6,874,000	$ 50,000,000	$ 28,300	$ 50,000,000
Compensation to Distribution Agent	$ 155,000	$ 73,000	$ 153,000	$ 303,000	$ 23,000	$ 248,000	$ 132,000	$ 254,000	$ 88,000	$ 441,000	$ 87,000	$ 119,000	$ 241,000	$ 101,000	$ 181,000	$ 77,000	$ 267,000	$ 87,000	$ 176,000

STOCK-BASED COMPENSATION - NARR

STOCK-BASED COMPENSATION - NARRATIVE (Details)	12 Months Ended			84 Months Ended
	Jun. 30, 2015shares	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Mar. 31, 2015stock_incentive_pans	Nov. 30, 2007	Jul. 01, 2007	Aug. 31, 2001
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of stock incentive plans					3
1999 Stock Option Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of outstanding shares always available for grants under the 1999 Plan								15.00%
Contractual term for options granted under the 1999 Plan	10 years
1999 Stock Option Plan | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period for options granted	3 years
1999 Stock Option Plan | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period for options granted	5 years
2004 Stock Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period for options granted	4 years	3 years	3 years
Annual percentage increase to shares available for grant							1.50%
Number of fiscal years stock increases				4 years
Number of shares available for issuance | shares	920,000
2004 Stock Incentive Plan | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of outstanding shares always available for grants under the 1999 Plan						14.80%

STOCK-BASED COMPENSATION - STOC

STOCK-BASED COMPENSATION - STOCK OPTIONS (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2012
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Outstanding, beginning (shares)	106,950	162,482	190,117
Granted (shares)	0	0	0
Exercised (shares)	(86,350)	(55,532)	(27,135)
Converted (shares)	0	0	0
Cancelled (shares)	0	0	(500)
Outstanding, ending (shares)	20,600	106,950	162,482
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]
Outstanding (Wtd. Avg. Ex. Price)	$ 7.35	$ 8.71	$ 8.81	$ 8.93
Granted (Wtd. Avg. Ex. Price)	0	0	0
Exercised (Wtd. Avg. Ex. Price)	9.04	9	9.59
Converted (Wtd. Avg. Ex. Price)	0	0	0
Cancelled (Wtd. Avg. Ex. Price)	$ 0	$ 0	$ 11
Options exercisable (shares)	20,600	106,950	162,482
Options exercisable (Wtd. Avg. Ex. Price)		$ 8.71	$ 8.81
Intrinsic value of options exercisable	$ 2,026
Intrinsic value of options outstanding	2,026
Aggregate intrinsic value of options exercised or converted during the period	$ 7,834	$ 4,021	$ 929
$ 7.35
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding [Roll Forward]
Outstanding, ending (shares)	20,600
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price [Abstract]
Options exercisable (shares)	20,600
Options exercisable (Wtd. Avg. Ex. Price)	$ 7.35
Weighted Average Remaining Contractual Life	1 year 1 month 6 days

STOCK-BASED COMPENSATION - REST

STOCK-BASED COMPENSATION - RESTRICTED STOCK AND RSUs (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2012
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based compensation expense	$ 6,648	$ 4,358	$ 3,297
Tax benefit from stock-based compensation	$ 2,746	$ 1,771	$ 1,349
Restricted Stock Units (RSUs)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted stock unit grants	193,959	132,944	181,483
Restricted stock unit grants cancelled during the period	(16,776)	(25,230)	(30,305)
Unrecognized Compensation Expense [Abstract]
2,016	$ 7,465
2,017	5,831
2,018	2,822
Unrecognized compensation expense, total	$ 16,118
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]
Non-vested balance, beginning (shares)	236,439	298,485	360,662
Vested (shares)	(129,850)	(169,760)	(213,355)
Non-vested balance, ending (shares)	283,772	236,439	298,485
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Abstract]
Non-vested balance (Wtd. Avg. Grant Date FV)	$ 68.05	$ 41.17	$ 22.13	$ 13.20
Granted (Wtd. Avg. Grant Date FV)	79.94	59.91	28.83
Vested (Wtd. Avg. Grant Date FV)	40.44	23.37	13.32
Cancelled (Wtd. Avg. Grant Date FV)	$ 56.53	$ 34.41	$ 18.01
Total fair value of shares vested in the period	$ 11,907	$ 12,211	$ 8,070
2004 Stock Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted stock unit grants, annual vesting percentage	25.00%	33.30%	33.30%
Vesting period for options granted	4 years	3 years	3 years
2004 Stock Incentive Plan | Restricted Stock Units (RSUs)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted stock unit grants	193,956	132,944	181,483
Restricted stock unit awards vested and issued	129,850	169,760	213,355
Restricted stock unit grants cancelled during the period	(16,776)	(25,230)	(30,305)
Chief Executive Officer | 2004 Stock Incentive Plan | Restricted Stock Units (RSUs)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted stock unit grants	72,000	72,000	64,000

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended								12 Months Ended
	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
Earnings Per Share [Abstract]
Net income	$ 24,395	$ 21,074	$ 19,372	$ 17,841	$ 16,010	$ 14,610	$ 13,154	$ 12,182	$ 82,682	$ 55,956	$ 40,291
Preferred stock dividends									(309)	(309)	(835)
Net income attributable to common shareholders	$ 24,318	$ 20,997	$ 19,294	$ 17,764	$ 15,933	$ 14,533	$ 13,077	$ 12,104	$ 82,373	$ 55,647	$ 39,456
Average common shares issued and outstanding									14,984,961	14,039,809	12,758,381
Average unvested restricted stock grant and RSU shares									309,516	328,015	398,265
Total qualifying shares									15,294,477	14,367,824	13,156,646
Earnings per common share (dollars per share)	$ 1.55	$ 1.35	$ 1.27	$ 1.20	$ 1.09	$ 1	$ 0.92	$ 0.85	$ 5.39	$ 3.87	$ 3
Preferred stock dividends to dilutive convertible preferred									$ 0	$ 0	$ 533
Dilutive net income attributable to common shareholders									$ 82,373	$ 55,647	$ 39,989
Average common shares issued and outstanding									15,294,477	14,367,824	13,156,646
Dilutive effect of stock options									56,614	74,868	88,519
Dilutive effect of convertible preferred stock									0	0	574,247
Total dilutive common shares issued and outstanding									15,351,091	14,442,692	13,819,412
Diluted earnings per share (dollars per share)	$ 1.54	$ 1.35	$ 1.26	$ 1.20	$ 1.09	$ 1	$ 0.91	$ 0.85	$ 5.37	$ 3.85	$ 2.89

COMMITMENTS AND CONTINGENCIES96

COMMITMENTS AND CONTINGENCIES (Details) - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
Commitments and Contingencies Disclosure [Abstract]
Rent expense	$ 2,806	$ 2,111	$ 1,644
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
2,016	2,673
2,017	3,292
2,018	3,654
2,019	3,821
2,020	3,993
Thereafter	0
Total	$ 17,433

OFF-BALANCE-SHEET ACTIVITIES (D

OFF-BALANCE-SHEET ACTIVITIES (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet, fixed rate commitments to originate weighted-average rate	3.81%	4.06%
Off-balance sheet risk, ratio of commitments to originate loans to commitments to sell	64.80%	26.30%
Loan purchase and origination commitments
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet, loan purchase commitment	$ 212,025	$ 174,042
Sales commitment | Loan Origination Commitments
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet, loan origination commitment	88,634	54,922
Variable Interest Rate | Loan purchase and origination commitments
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet, loan purchase commitment	143,995	133,513
Variable Interest Rate | Sales commitment | Loan Origination Commitments
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet, loan origination commitment	11,446	9,832
Fixed Interest Rate | Loan purchase and origination commitments
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet, loan purchase commitment	68,030	40,529
Fixed Interest Rate | Sales commitment | Loan Origination Commitments
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet, loan origination commitment	$ 77,188	$ 45,090

MINIMUM REGULATORY CAPITAL RE98

MINIMUM REGULATORY CAPITAL REQUIREMENTS (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014
Tier 1 leverage (core) capital (to adjusted average assets)
Actual, Amount	$ 542,924
Actual, Ratio	9.59%
For Capital Adequacy Purposes, Amount	$ 226,404
For Capital Adequacy Purposes, Ratio	4.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 283,005
To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	5.00%
Tier 1 capital (to risk-weighted assets)
Actual, Amount	$ 537,861
Actual, Ratio	14.98%
Tier One Risk Based Capital Required for Capital Adequacy	$ 161,614
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	4.50%
To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 233,443
To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	6.50%
Total capital (to risk-weighted assets)
Actual, Amount	$ 542,924
Actual, Ratio	15.12%
For Capital Adequacy Purposes, Amount	$ 215,486
For Capital Adequacy Purposes, Ratio	6.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 287,315
To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	8.00%
Tangible capital (to tangible assets)
Actual, Amount	$ 571,251
Actual, Ratio	15.91%
For Capital Adequacy Purposes, Amount	$ 287,315
For Capital Adequacy Purposes, Ratio	8.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 359,143
To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	10.00%
The Bank
Tier 1 leverage (core) capital (to adjusted average assets)
Actual, Amount	$ 522,891	$ 382,441
Actual, Ratio	9.25%	8.66%
For Capital Adequacy Purposes, Amount	$ 226,168	$ 176,639
For Capital Adequacy Purposes, Ratio	4.00%	4.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 282,710	$ 220,799
To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	5.00%	5.00%
Common equity tier 1 capital (to risk weighted assets)
Actual, Amount	$ 522,891
Actual, Ratio	14.58%
For Capital Adequacy Purposes, Amount	$ 161,332
For Capital Adequacy Purposes, Ratio	4.50%
To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 233,035
To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	6.50%
Tier 1 capital (to risk-weighted assets)
Actual, Amount	$ 522,891	$ 382,441
Actual, Ratio	14.58%	14.42%
Tier One Risk Based Capital Required for Capital Adequacy	$ 215,109
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets	6.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 286,812	$ 159,181
To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	8.00%	6.00%
Total capital (to risk-weighted assets)
Actual, Amount	$ 551,218	$ 400,814
Actual, Ratio	15.38%	15.11%
For Capital Adequacy Purposes, Amount	$ 286,812	$ 212,241
For Capital Adequacy Purposes, Ratio	8.00%	8.00%
To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 358,515	$ 265,302
To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	10.00%	10.00%
Tangible capital (to tangible assets)
Actual, Amount		$ 382,441
Actual, Ratio		8.66%
For Capital Adequacy Purposes, Amount		$ 66,240
For Capital Adequacy Purposes, Ratio		1.50%

EMPLOYMENT AGREEMENTS AND EMP99

EMPLOYMENT AGREEMENTS AND EMPLOYEE BENEFIT PLANS (Details) $ in Thousands	12 Months Ended
	Jun. 30, 2015USD ($)factorobjectivebase_salaryaccountawardshares	Jun. 30, 2014USD ($)	Jun. 30, 2013USD ($)
401(k) Plan
401(k) plan, maximum employee annual contribution	15.00%
401(k) plan expense | $	$ 110	$ 1	$ 7
Chief Executive Officer
Deferred Compensation Arrangement with Individual [Line Items]
Base salary | $	$ 375
Number of performance objectives | objective	5
Shares authorized for issuance | shares	40,000
Factor used to calculate salary pay if terminated | base_salary	2
Continuation of health benefits if terminated	12 months
Chief Executive Officer | Minimum
Deferred Compensation Arrangement with Individual [Line Items]
Cash awards granted, percentage	0.00%
Factor used to calculate stock award	0
Chief Executive Officer | Maximum
Deferred Compensation Arrangement with Individual [Line Items]
Cash awards granted, percentage	105.00%
Factor used to calculate stock award	3
Chief Executive Vice President and Chief Financial Officer
Deferred Compensation Arrangement with Individual [Line Items]
Cash awards granted, percentage	30.00%
Shares authorized for issuance | shares	15,000
Number of achievement based awards | award	2
Vesting period for options granted	3 years
Chief Executive Vice President and Chief Financial Officer | Minimum
Deferred Compensation Arrangement with Individual [Line Items]
Factor used to calculate stock award	0
Chief Executive Vice President and Chief Financial Officer | Maximum
Deferred Compensation Arrangement with Individual [Line Items]
Factor used to calculate stock award	3.4
Key Management Employees and Directors
Deferred Compensation Plans
Maximum allowable percentage of compensation deferred	100.00%
Number of accounts participants have the option to invest | account	2
Compensation expense | $	$ 0	$ 0

PARENT-ONLY CONDENSED FINANC100

PARENT-ONLY CONDENSED FINANCIAL INFORMATION - CONDENSED BALANCE SHEETS (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2012
Condensed Financial Statements, Captions [Line Items]
Cash and cash equivalents	$ 222,874	$ 155,584	$ 201,694	$ 35,426
Net loans	4,928,618	3,532,841
Other assets	34,970	13,783
TOTAL ASSETS	5,823,719	4,402,999
Accrued interest payable	1,266	1,350
Accounts payable and accrued liabilities and other liabilities	43,855	29,180
Total liabilities	5,290,193	4,032,221
Stockholders' equity	533,526	370,778	268,262	206,620
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	5,823,719	4,402,999
Parent
Condensed Financial Statements, Captions [Line Items]
Cash and cash equivalents	22,729	3,049	$ 18,341	$ 12,426
Net loans	39	34
Investment securities	204	88
Other assets	6,155	4,184
Due from subsidiary	3	86
Investment in subsidiary	513,701	372,074
TOTAL ASSETS	542,831	379,515
Junior subordinated debenture	5,155	5,155
Accrued interest payable	14	15
Accounts payable and accrued liabilities and other liabilities	4,136	3,567
Total liabilities	9,305	8,737
Stockholders' equity	533,526	370,778
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 542,831	$ 379,515

PARENT-ONLY CONDENSED FINANC101

PARENT-ONLY CONDENSED FINANCIAL INFORMATION - STATEMENTS OF INCOME (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
Condensed Financial Statements, Captions [Line Items]
Interest expense	$ 12,273	$ 12,246	$ 10,970	$ 9,930	$ 9,646	$ 9,500	$ 8,400	$ 8,236	$ 45,419	$ 35,781	$ 34,026
Net interest income	55,294	50,665	48,111	44,875	40,496	35,663	32,827	28,110	198,945	137,097	101,628
Provision for loan losses	2,900	2,900	2,900	2,500	2,250	1,600	1,000	500	11,200	5,350	7,550
Net interest income, after provision for loan losses	52,394	47,765	45,211	42,375	38,246	34,063	31,827	27,610	187,745	131,747	94,078
Non-interest income (loss)	10,278	8,366	6,697	5,249	4,723	5,212	5,543	6,976	30,590	22,455	27,710
Non-interest expense	20,752	20,343	18,937	17,446	15,766	14,347	15,304	14,514	77,478	59,933	53,587
NET INCOME	$ 24,395	$ 21,074	$ 19,372	$ 17,841	$ 16,010	$ 14,610	$ 13,154	$ 12,182	82,682	55,956	40,291
Comprehensive income									83,649	56,390	34,926
Parent
Condensed Financial Statements, Captions [Line Items]
Interest income									111	82	130
Interest expense									143	143	151
Net interest income									(32)	(61)	(21)
Provision for loan losses									0	0	0
Net interest income, after provision for loan losses									(32)	(61)	(21)
Non-interest income (loss)									(9)	(3)	(112)
Non-interest expense									4,678	3,218	2,532
Income (loss) before dividends from subsidiary and equity in undistributed income of subsidiary									(4,719)	(3,282)	(2,665)
Dividends from subsidiary									0	2,600	1,300
Equity in undistributed earnings of subsidiary									87,401	56,638	41,656
NET INCOME									82,682	55,956	40,291
Comprehensive income									$ 83,649	$ 56,390	$ 34,926

PARENT-ONLY CONDENSED FINANC102

PARENT-ONLY CONDENSED FINANCIAL INFORMATION - STATEMENT OF CASH FLOWS (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 24,395	$ 21,074	$ 19,372	$ 17,841	$ 16,010	$ 14,610	$ 13,154	$ 12,182	$ 82,682	$ 55,956	$ 40,291
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Accretion of discounts on securities									(5,517)	(8,340)	(7,687)
Impairment charge on securities									2,365	2,802	3,501
Accretion of discounts on loans									(27)	(2,647)	(3,443)
Stock-based compensation expense									6,648	4,358	3,297
Tax benefit from exercise of common stock options and vesting of restricted stock grants									(5,526)	(4,856)	(2,332)
Decrease (increase) in other assets									(17,948)	(1,224)	3,466
Net cash provided by (used) in operating activities									116,102	21,319	15,750
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from principal repayments on loans									1,847,665	990,305	541,076
Net cash used in investing activities									(1,374,176)	(1,318,172)	(511,574)
CASH FLOWS FROM FINANCING ACTIVITIES:
Proceeds from issuance of preferred stock									0	0	18,544
Proceeds from exercise of common stock options									781	500	260
Proceeds from issuance of common stock									75,985	41,576	6,765
Tax benefit from exercise of common stock options and vesting of restricted stock grants									5,526	4,856	2,332
Cash dividends on preferred stock									(309)	(309)	(1,137)
Net cash provided by financing activities									1,325,364	1,250,743	662,092
NET CHANGE IN CASH AND CASH EQUIVALENTS									67,290	(46,110)	166,268
CASH AND CASH EQUIVALENTS—Beginning of year				155,584				201,694	155,584	201,694	35,426
CASH AND CASH EQUIVALENTS—End of period	222,874				155,584				222,874	155,584	201,694
Parent
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income									82,682	55,956	40,291
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Accretion of discounts on securities									(69)	(41)	(70)
Impairment charge on securities									9	56	113
Accretion of discounts on loans									(12)	(12)	(10)
Stock-based compensation expense									6,648	4,358	3,297
Tax benefit from exercise of common stock options and vesting of restricted stock grants									(5,526)	(4,856)	(2,332)
Equity in undistributed earnings of subsidiary									(85,368)	(72,296)	(41,693)
Decrease (increase) in other assets									(1,972)	(2,400)	(442)
Increase (decrease) in other liabilities									(3,702)	(616)	(8)
Net cash provided by (used) in operating activities									(7,310)	(19,851)	(854)
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from principal repayments on loans									7	9	5
Investment in subsidiary									(55,000)	(42,073)	(20,000)
Net cash used in investing activities									(54,993)	(42,064)	(19,995)
CASH FLOWS FROM FINANCING ACTIVITIES:
Proceeds from issuance of preferred stock									0	0	18,544
Proceeds from exercise of common stock options									781	500	260
Proceeds from issuance of common stock									75,985	41,576	6,765
Tax benefit from exercise of common stock options and vesting of restricted stock grants									5,526	4,856	2,332
Cash dividends on preferred stock									(309)	(309)	(1,137)
Net cash provided by financing activities									81,983	46,623	26,764
NET CHANGE IN CASH AND CASH EQUIVALENTS									19,680	(15,292)	5,915
CASH AND CASH EQUIVALENTS—Beginning of year				$ 3,049				$ 18,341	3,049	18,341	12,426
CASH AND CASH EQUIVALENTS—End of period	$ 22,729				$ 3,049				$ 22,729	$ 3,049	$ 18,341

QUARTERLY FINANCIAL INFORMAT103

QUARTERLY FINANCIAL INFORMATION (UNAUDITED) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2013
Quarterly Financial Information Disclosure [Abstract]
Interest and dividend income	$ 67,567	$ 62,911	$ 59,081	$ 54,805	$ 50,142	$ 45,163	$ 41,227	$ 36,346	$ 244,364	$ 172,878	$ 135,654
Interest expense	12,273	12,246	10,970	9,930	9,646	9,500	8,400	8,236	45,419	35,781	34,026
Net interest income	55,294	50,665	48,111	44,875	40,496	35,663	32,827	28,110	198,945	137,097	101,628
Provision for loan losses	2,900	2,900	2,900	2,500	2,250	1,600	1,000	500	11,200	5,350	7,550
Net interest income, after provision for loan losses	52,394	47,765	45,211	42,375	38,246	34,063	31,827	27,610	187,745	131,747	94,078
Non-interest income	10,278	8,366	6,697	5,249	4,723	5,212	5,543	6,976	30,590	22,455	27,710
Non-interest expense	20,752	20,343	18,937	17,446	15,766	14,347	15,304	14,514	77,478	59,933	53,587
INCOME BEFORE INCOME TAXES	41,920	35,788	32,971	30,178	27,203	24,928	22,066	20,072	140,857	94,269	68,201
Income tax expense	17,525	14,714	13,599	12,337	11,193	10,318	8,912	7,890	58,175	38,313	27,910
NET INCOME	24,395	21,074	19,372	17,841	16,010	14,610	13,154	12,182	82,682	55,956	40,291
Net income attributable to common stock	$ 24,318	$ 20,997	$ 19,294	$ 17,764	$ 15,933	$ 14,533	$ 13,077	$ 12,104	$ 82,373	$ 55,647	$ 39,456
Basic earnings per share (dollars per share)	$ 1.55	$ 1.35	$ 1.27	$ 1.20	$ 1.09	$ 1	$ 0.92	$ 0.85	$ 5.39	$ 3.87	$ 3
Diluted earnings per share (dollars per share)	$ 1.54	$ 1.35	$ 1.26	$ 1.20	$ 1.09	$ 1	$ 0.91	$ 0.85	$ 5.37	$ 3.85	$ 2.89

Uncategorized Items - bofi-2015

Label	Element	Value
Agency Securities [Member]
Held-to-maturity Securities, Fair Value	us-gaap_HeldToMaturitySecuritiesFairValue	$ 0
Held-to-maturity Securities, Fair Value	us-gaap_HeldToMaturitySecuritiesFairValue	0
Held-to-maturity Securities, Accumulated Unrecognized Holding Gain	us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain	0
Held-to-maturity Securities, Accumulated Unrecognized Holding Gain	us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain	0
Held-to-maturity Securities	us-gaap_HeldToMaturitySecurities	0
Held-to-maturity Securities	us-gaap_HeldToMaturitySecurities	0
Held-to-maturity Securities, Accumulated Unrecognized Holding Loss	us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss	0
Held-to-maturity Securities, Accumulated Unrecognized Holding Loss	us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss	0
Municipal Bonds [Member]
Held-to-maturity Securities, Fair Value	us-gaap_HeldToMaturitySecuritiesFairValue	39,532
Held-to-maturity Securities, Fair Value	us-gaap_HeldToMaturitySecuritiesFairValue	40,050
Held-to-maturity Securities, Accumulated Unrecognized Holding Gain	us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain	3,480
Held-to-maturity Securities, Accumulated Unrecognized Holding Gain	us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain	4,074
Held-to-maturity Securities	us-gaap_HeldToMaturitySecurities	35,976
Held-to-maturity Securities	us-gaap_HeldToMaturitySecurities	36,052
Held-to-maturity Securities, Accumulated Unrecognized Holding Loss	us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss	0
Held-to-maturity Securities, Accumulated Unrecognized Holding Loss	us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss	0
Agency, Residential Mortgage Backed Securities [Member]
Held-to-maturity Securities, Accumulated Unrecognized Holding Gain	us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain	1,398
Held-to-maturity Securities, Accumulated Unrecognized Holding Gain	us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain	1,895
Held-to-maturity Securities	us-gaap_HeldToMaturitySecurities	41,993
Held-to-maturity Securities	us-gaap_HeldToMaturitySecurities	47,982
Held-to-maturity Securities, Accumulated Unrecognized Holding Loss	us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss	0
Held-to-maturity Securities, Accumulated Unrecognized Holding Loss	us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss	0
Non-Agency, Residential Mortgage Backed Securities [Member]
Held-to-maturity Securities, Accumulated Unrecognized Holding Gain	us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain	10,045
Held-to-maturity Securities, Accumulated Unrecognized Holding Gain	us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain	6,352
Held-to-maturity Securities	us-gaap_HeldToMaturitySecurities	147,586
Held-to-maturity Securities	us-gaap_HeldToMaturitySecurities	163,695
Held-to-maturity Securities, Accumulated Unrecognized Holding Loss	us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss	12,749
Held-to-maturity Securities, Accumulated Unrecognized Holding Loss	us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss	15,490
Non-Agency Securities [Member]
Held-to-maturity Securities, Fair Value	us-gaap_HeldToMaturitySecuritiesFairValue	0
Held-to-maturity Securities, Fair Value	us-gaap_HeldToMaturitySecuritiesFairValue	0
Held-to-maturity Securities, Accumulated Unrecognized Holding Gain	us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain	0
Held-to-maturity Securities, Accumulated Unrecognized Holding Gain	us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain	0
Held-to-maturity Securities	us-gaap_HeldToMaturitySecurities	0
Held-to-maturity Securities	us-gaap_HeldToMaturitySecurities	0
Held-to-maturity Securities, Accumulated Unrecognized Holding Loss	us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss	0
Held-to-maturity Securities, Accumulated Unrecognized Holding Loss	us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss	$ 0