Axos Financial (AX) 10-Q 30 Jan 18 2018 Q2 Quarterly report Financial data

DOCUMENT AND ENTITY INFORMATION

DOCUMENT AND ENTITY INFORMATION - shares	6 Months Ended
	Dec. 31, 2017	Jan. 22, 2018
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-Q
Document Period End Date	Dec. 31, 2017
Document Fiscal Year Focus	2,018
Document Fiscal Period Focus	Q2
Amendment Flag	false
Entity Common Stock, Shares Outstanding		62,499,476

CONDENSED CONSOLIDATED BALANCE

CONDENSED CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($) $ in Thousands	Dec. 31, 2017	Jun. 30, 2017
ASSETS
Cash and due from banks	$ 617,989	$ 628,172
Federal funds sold	100	15,369
Total cash and cash equivalents	618,089	643,541
Securities:
Trading	0	8,327
Available-for-sale	191,725	264,470
Stock of the Federal Home Loan Bank, at cost	63,207	63,207
Loans held for sale, carried at fair value	24,499	18,738
Loans held for sale, lower of cost or fair value	7,067	6,669
Loans and leases—net of allowance for loan and lease losses of $45,606 as of December 31, 2017 and $40,832 as of June 30, 2017	7,874,431	7,374,493
Accrued interest receivable	26,053	20,781
Furniture, equipment and software—net	18,700	16,659
Mortgage servicing rights, carried at fair value	9,066	7,200
Cash surrender value of life insurance	6,267	6,174
Other real estate owned and repossessed vehicles	8,808	1,413
Deferred income tax	19,747	34,341
Other assets	48,300	35,667
TOTAL ASSETS	8,915,959	8,501,680
Deposits:
Non-interest bearing	905,477	848,544
Interest bearing	6,487,756	6,050,963
Total deposits	7,393,233	6,899,507
Securities sold under agreements to repurchase	0	20,000
Advances from the Federal Home Loan Bank	543,000	640,000
Subordinated notes and debentures and other	54,503	54,463
Accrued interest payable	1,517	1,284
Accounts payable and other liabilities	50,043	52,179
Total liabilities	8,042,296	7,667,433
COMMITMENTS AND CONTINGENCIES (Note 9)
STOCKHOLDERS’ EQUITY:
Common stock—$0.01 par value; 150,000,000 shares authorized; 65,444,875 shares issued and 62,720,641 shares outstanding as of December 31, 2017; 65,115,932 shares issued and 63,536,244 shares outstanding as of June 30, 2017	654	651
Additional paid-in capital	353,801	346,117
Accumulated other comprehensive income (loss)—net of tax	366	487
Retained earnings	583,132	519,246
Treasury stock, at cost; 2,724,234 shares as of December 31, 2017 and 1,579,688 shares as of June 30, 2017	(69,353)	(37,317)
Total stockholders’ equity	873,663	834,247
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	8,915,959	8,501,680
Series A Preferred Stock
STOCKHOLDERS’ EQUITY:
Preferred stock—$0.01 par value; 1,000,000 shares authorized; Series A-$10,000 stated value and liquidation preference per share; 515 shares issued and outstanding as of December 31, 2017 and June 30, 2017	$ 5,063	$ 5,063

CONDENSED CONSOLIDATED BALANCE3

CONDENSED CONSOLIDATED BALANCE SHEETS (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2017	Jun. 30, 2017
Assets:
Allowance for loan and lease losses	$ 45,606	$ 40,832
Stockholders' Equity:
Preferred stock, par or stated value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	1,000,000	1,000,000
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	150,000,000	150,000,000
Common stock, issued (in shares)	65,444,875	65,115,932
Common stock, shares outstanding (in shares)	62,720,641	63,536,244
Treasury stock, shares (in shares)	2,724,234	1,579,688
Series A Preferred Stock
Stockholders' Equity:
Preferred stock, par or stated value (in dollars per share)	$ 10,000	$ 10,000
Preferred Stock, liquidation preference (in dollars per share)	$ 10,000	$ 10,000
Preferred stock, shares issued (in shares)	515	515
Preferred stock, shares outstanding (in shares)	515	515

CONDENSED CONSOLIDATED STATEMEN

CONDENSED CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2017	Dec. 31, 2016
INTEREST AND DIVIDEND INCOME:
Loans and leases, including fees	$ 102,034	$ 85,839	$ 199,609	$ 166,458
Investments	5,751	8,462	11,687	15,323
Total interest and dividend income	107,785	94,301	211,296	181,781
INTEREST EXPENSE:
Deposits	19,044	14,011	36,362	27,525
Advances from the Federal Home Loan Bank	3,557	2,605	8,109	5,469
Other borrowings	971	1,324	2,062	2,646
Total interest expense	23,572	17,940	46,533	35,640
Net interest income	84,213	76,361	164,763	146,141
Provision for loan and lease losses	4,000	4,100	5,000	6,000
Net interest income, after provision	80,213	72,261	159,763	140,141
NON-INTEREST INCOME:
Realized gain (loss) on sale of securities	(199)	1,622	83	2,612
Other-than-temporary loss on securities:
Total impairment (losses) gains	(5,904)	(7,718)	(6,098)	(8,999)
Loss (gain) recognized in other comprehensive income	5,897	6,368	5,942	7,529
Net impairment loss recognized in earnings	(7)	(1,350)	(156)	(1,470)
Fair value gain (loss) on trading securities	0	456	0	567
Total unrealized (loss) gain on securities	(7)	(894)	(156)	(903)
Prepayment penalty fee income	1,165	637	2,234	1,935
Gain on sale – other	1,920	2,033	2,366	3,726
Mortgage banking income	4,055	4,837	8,763	9,970
Banking service fees and other income	10,165	8,465	17,149	14,092
Total non-interest income	17,099	16,700	30,439	31,432
NON-INTEREST EXPENSE:
Salaries and related costs	24,306	19,933	46,439	39,340
Data processing and internet	3,910	2,941	7,975	6,113
Advertising and promotional	3,811	1,981	6,777	4,522
Depreciation and amortization	1,947	1,411	3,695	2,764
Occupancy and equipment	1,437	1,363	2,918	2,638
Professional services	856	1,086	2,480	2,440
FDIC and regulator fees	1,005	884	2,096	2,124
Real estate owned and repossessed vehicles	24	348	93	506
Other general and administrative	3,513	3,353	6,356	5,731
Total non-interest expense	40,809	33,300	78,829	66,178
INCOME BEFORE INCOME TAXES	56,503	55,661	111,373	105,395
INCOME TAXES	24,845	23,361	47,332	44,198
NET INCOME	31,658	32,300	64,041	61,197
NET INCOME ATTRIBUTABLE TO COMMON STOCK	31,580	32,222	63,886	61,042
COMPREHENSIVE INCOME	$ 32,497	$ 29,198	$ 63,920	$ 65,999
Basic earnings per share (in dollars per share)	$ 0.49	$ 0.50	$ 0.98	$ 0.94
Diluted earnings per share (in dollars per share)	$ 0.49	$ 0.50	$ 0.98	$ 0.94

CONDENSED CONSOLIDATED STATEME5

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2017	Dec. 31, 2016
Statement of Comprehensive Income [Abstract]
NET INCOME	$ 31,658	$ 32,300	$ 64,041	$ 61,197
Other comprehensive income (loss), net of tax:
Net unrealized gain (loss) from available-for-sale securities, net of tax expense (benefit) of $(1,780) and $(3,976) for the three months ended December 31, 2017 and 2016, and $(2,500) and $1,777 for the six months ended December 31, 2017 and 2016, respectively.	(2,975)	(5,353)	(3,961)	2,435
Other-than-temporary impairment on securities recognized in other comprehensive income, net of tax expense (benefit) of $2,208 and $2,363 for the three months ended December 31, 2017 and 2016, and $2,227 and $2,830 for the six months ended December 31, 2017 and 2016, respectively.	3,689	3,182	3,715	3,877
Reclassification of net (gain) loss from available-for-sale securities included in income, net of tax expense (benefit) of $(74) and $691 for the three months ended December 31, 2017 and 2016, and $(74) and $1,102 for the six months ended December 31, 2017 and 2016, respectively.	125	(931)	125	(1,510)
Other comprehensive income (loss)	839	(3,102)	(121)	4,802
Comprehensive income	$ 32,497	$ 29,198	$ 63,920	$ 65,999

CONDENSED CONSOLIDATED STATEME6

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2017	Dec. 31, 2016
Statement of Comprehensive Income [Abstract]
Net unrealized gain (loss) from available-for-sale securities, tax expense (benefit)	$ (1,780)	$ (3,976)	$ (2,500)	$ 1,777
Other-than-temporary impairment on held-to-maturity securities recognized in other comprehensive income, tax expense (benefit)	2,208	2,363	2,227	2,830
Reclassification of net (gain) loss from available-for-sale securities included in income, tax expense (benefit)	$ (74)	$ 691	$ (74)	$ 1,102

CONDENSED CONSOLIDATED STATEME7

CONDENSED CONSOLIDATED STATEMENT OF STOCKHOLDERS' EQUITY (Unaudited) - 6 months ended Dec. 31, 2017 - USD ($) $ in Thousands	Total	Preferred Stock	Common Stock	Treasury	Additional Paid-in Capital	Accumulated Other Comprehensive Income (Loss), Net of Income Tax	Retained Earnings
Preferred stock, beginning balance (in shares) at Jun. 30, 2017		515
Common stock, issued, beginning balance (in shares) at Jun. 30, 2017	65,115,932		65,115,932
Common stock, treasury and outstanding, beginning balance (in shares) at Jun. 30, 2017	63,536,244		63,536,244	1,579,688
Stockholder's equity, beginning balance at Jun. 30, 2017	$ 834,247	$ 5,063	$ 651	$ (37,317)	$ 346,117	$ 487	$ 519,246
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	64,041						64,041
Other comprehensive income (loss)	(121)					(121)
Cash dividends on preferred stock	(155)						(155)
Purchase of treasury stock (in shares)			(1,003,463)	(1,003,463)
Purchase of treasury stock	(28,295)			$ (28,295)
Stock-based compensation expense	7,686				7,686
Restricted stock unit vesting and tax benefits, issued (in shares)			328,943
Restricted stock unit vesting and tax benefits, treasury (in shares)				(141,083)
Restricted stock unit vesting and tax benefits, outstanding (in shares)			187,860
Restricted stock unit vesting and tax benefits	$ (3,740)		$ 3	$ (3,741)	(2)
Preferred stock, ending balance (in shares) at Dec. 31, 2017		515
Common stock, issued, ending balance (in shares) at Dec. 31, 2017	65,444,875		65,444,875
Common stock, treasury and outstanding, ending balance (in shares) at Dec. 31, 2017	62,720,641		62,720,641	2,724,234
Stockholder's equity, ending balance at Dec. 31, 2017	$ 873,663	$ 5,063	$ 654	$ (69,353)	$ 353,801	$ 366	$ 583,132

CONDENSED CONSOLIDATED STATEME8

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 64,041	$ 61,197
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Accretion of discounts on securities	(629)	(1,722)
Net accretion of discounts on loans and leases	(217)	2,724
Amortization of borrowing costs	103	104
Stock-based compensation expense	7,686	6,450
Valuation of financial instruments carried at fair value	0	(567)
Net gain on sale of investment securities	(83)	(2,612)
Impairment charge on securities	156	1,470
Provision for loan and lease losses	5,000	6,000
Deferred income taxes	15,105	2,090
Origination of loans held for sale	(1,016,493)	(844,456)
Unrealized (gain) loss on loans held for sale	(91)	(112)
Gain on sales of loans held for sale	(11,129)	(13,696)
Proceeds from sale of loans held for sale	1,022,653	859,495
Change in fair value of mortgage servicing rights	379	(364)
(Gain) loss on sale of other real estate and foreclosed assets	6	4
Depreciation and amortization of furniture, equipment and software	3,695	2,764
Net changes in assets and liabilities which provide (use) cash:
Accrued interest receivable	(5,404)	3,775
Other assets	(15,062)	7,803
Accrued interest payable	233	33
Accounts payable and other liabilities	(2,797)	(4,922)
Net cash provided by (used in) operating activities	67,152	85,458
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchases of investment securities	(55,278)	(93,151)
Proceeds from sale of securities	48,741	121,252
Proceeds from repayment of securities	88,175	69,016
Purchase of stock of Federal Home Loan Bank	0	(30,939)
Proceeds from redemption of stock of Federal Home Loan Bank	0	33,711
Origination of loans and leases for portfolio	(2,311,281)	(1,946,482)
Origination of mortgage warehouse loans, net	(17,460)	(50,401)
Proceeds from sales of other real estate owned and repossessed assets	887	146
Principal repayments on loans	1,814,812	1,533,896
Net purchases of furniture, equipment and software	(5,736)	(3,895)
Net cash used in investing activities	(437,140)	(366,847)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	493,726	566,623
Proceeds from Federal Home Loan Bank term advances	0	0
Repayment of Federal Home Loan Bank term advances	(5,000)	(85,000)
Net (repayment) proceeds of the Federal Home Loan Bank other advances	(92,000)	23,000
Settlement of securities sold under agreements to repurchase	(20,000)	0
Tax payments related to settlement of restricted stock units	(3,740)	(2,308)
Repurchase of treasury stock	(28,295)	0
Tax benefit from exercise of common stock options and vesting of restricted stock grants	0	95
Cash dividends on preferred stock	(155)	(155)
Net cash provided by financing activities	344,536	502,255
NET CHANGE IN CASH AND CASH EQUIVALENTS	(25,452)	220,866
CASH AND CASH EQUIVALENTS—Beginning of year	643,541	486,727
CASH AND CASH EQUIVALENTS—End of period	618,089	707,593
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:
Interest paid on deposits and borrowed funds	46,301	35,607
Income taxes paid	32,638	38,717
Transfers to other real estate owned and repossessed vehicles from loans	8,339	1,340
Transfers from loans held for sale to loans held for investment	0	2,047
Securities transferred from held-to-maturity to available-for-sale portfolio	$ 0	$ 194,153

BASIS OF PRESENTATION

BASIS OF PRESENTATION	6 Months Ended
	Dec. 31, 2017
Organization, Consolidation and Presentation of Financial Statements [Abstract]
BASIS OF PRESENTATION	BASIS OF PRESENTATION The condensed consolidated financial statements include the accounts of BofI Holding, Inc. and its wholly owned subsidiary, BofI Federal Bank (the “Bank” and collectively with BofI Holding, Inc., the “Company”). All significant intercompany balances and transactions 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. The accompanying interim condensed consolidated financial statements, presented in accordance with accounting principles generally accepted in the United States of America (“GAAP”), are unaudited and reflect all adjustments which, in the opinion of management, are necessary for a fair statement of financial condition and results of operations for the interim periods. All adjustments are of a normal and recurring nature. Results for the six months ended December 31, 2017 are not necessarily indicative of results that may be expected for any other interim period or for the year as a whole. Certain information and note disclosures normally included in the audited annual financial statements prepared in accordance with GAAP have been condensed or omitted pursuant to the rules and regulations of the Securities and Exchange Commission (“SEC”) with respect to interim financial reporting. The accompanying unaudited condensed consolidated financial statements should be read in conjunction with the audited consolidated financial statements and accompanying notes for the year ended June 30, 2017 included in our Annual Report on Form 10-K.

SIGNIFICANT ACCOUNTING POLICIES

SIGNIFICANT ACCOUNTING POLICIES	6 Months Ended
	Dec. 31, 2017
Accounting Policies [Abstract]
SIGNIFICANT ACCOUNTING POLICIES	SIGNIFICANT ACCOUNTING POLICIES 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 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 or it 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 and Leases . Loans and leases 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 origination fees and costs, and an allowance for loan and lease losses. Interest income is accrued on the unpaid principal balance. Premiums and discounts on loans purchased as well as origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level-yield method. The Company provides equipment financing to its customers through a variety of lease arrangements. The most common arrangement is a direct financing (capital) lease. For direct financing leases, lease receivables are recorded on the balance sheet but the leased property is not, although the Company generally retains legal title to the leased property until the end of each lease. Direct financing leases are stated at the net amount of minimum lease payments receivable, plus any unguaranteed residual value, less the amount of unearned income and net acquisition discount at the reporting date. Direct lease origination costs are amortized over the weighted average life of the lease portfolio. Leases acquired in an acquisition are initially measured and recorded at their fair value on the acquisition date. Purchase discounts or premiums on acquired leases are recognized as an adjustment to interest income over the contractual life of the leases using the effective interest method or taken into income when the related leases are paid off. Direct financing leases are subject to the allowance for loan and lease losses. Recognition of interest income on all portfolio segments is generally discontinued at the time the loan or lease is 90 days delinquent unless the loan or lease is well secured and in process of collection. Past due status is based on the contractual terms of the loan or lease. In all cases, loans or leases 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 or leases placed on nonaccrual, is reversed against interest income. Interest received on such loans or leases is accounted for on the cash-basis or cost recovery method, until qualifying for return to accrual. Loans and leases 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 are 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 on an individual loan by loan basis. 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 and Lease Losses. The allowance for loan and lease losses is maintained at a level estimated to provide for probable incurred losses in the loan and lease portfolio. Management determines the adequacy of the allowance based on reviews of individual loans and leases 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 and lease 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. See Note 5 of these financial statement footnotes and the financial statement footnotes for the year ended June 30, 2017 included in our Annual Report on Form 10-K for further information. Brand Partnership Products. The Bank has agreements with H&R Block, Inc. (“H&R Block”) and its wholly-owned subsidiaries that allow the Bank to provide H&R Block-branded financial products and services. The products and services that represent the primary focus and the majority of transactional volume that the Bank processes are described in detail below. The first product is Emerald Prepaid Mastercard® services (“EPC”). The Bank entered into agreements to offer this product in August 2015. Under the agreements, the Bank is responsible for the primary oversight and control of the prepaid card programs of a wholly-owned subsidiary of H&R Block. The Bank holds the prepaid card customer deposits for those cards issued under the prepaid programs in non-interest bearing accounts and earns a fixed fee paid by H&R Block’s subsidiary for each automated clearing house (“ACH”) transaction processed through the prepaid card customer accounts. A portion of H&R Block’s customers use the Emerald Card as an option to receive federal and state income tax refunds. The prepaid customer deposits are included in non-interest bearing deposit liabilities on the balance sheet of the Company and the ACH fee income is included in the income statement under the line banking service fees and other income. The second product is Refund Transfer (“RT”). The Bank entered into agreements to offer this product in August 2015. The Bank is responsible for the primary oversight and control of the refund transfer program of a wholly-owned subsidiary of H&R Block. The Bank opens a temporary bank account for each H&R Block customer who is receiving an income tax refund and elects to defer payment of his or her tax preparation fees. After the Internal Revenue Service and any state income tax authorities transfer the refund into the customer’s account, the net funds are transferred to the customer and the temporary deposit account is closed. The Bank earns a fixed fee paid by H&R Block for each of the H&R Block customers electing a Refund Transfer. The fees are earned primarily in the quarters ending March 31st and are included in the income statement under the line banking service fees and other income. The third product is Emerald Advance. The Bank entered into agreements to offer this product in August 2015. Under the agreements the Bank is responsible for the underwriting guidelines and credit policies for unsecured consumer lines of credit offered to H&R Block customers. The Bank offers and funds unsecured lines of credit to consumers primarily through the H&R Block tax preparation offices and earns interest income and fee income. The Bank retains 10% of the Emerald Advance and sells the remainder to H&R Block. The lines of credit are included in loans and leases on the balance sheet of the Company and the interest income and fee income are included in the income statement under the line loans and leases interest and dividend income. The fourth product is an interest-free Refund Advance loan. The Bank will exclusively originate and fund all of H&R Block’s interest-free Refund Advance loans to tax preparation clients for the 2018 tax season. The Bank will perform the credit underwriting, loan origination, funding, and loan servicing associated with the interest-free Refund Advance loan in the upcoming tax season and receive fees from H&R Block for providing those services. This agreement is an expansion of the services BofI provided to H&R Block in the 2017 tax season when the Bank participated through purchases of the loans with other providers in the Refund Advance loan program. The Bank will be originating these interest-free loans to customers and the income generated from H&R Block will show on the income statement through the banking and service fees category of non-interest income. The H&R Block-branded financial services products introduce seasonality into the unaudited condensed consolidated income statements through the banking and service fees category of non-interest income and the other general and administrative category of non-interest expense, with the peak income and expense in these categories typically occurring during our third fiscal quarter ending March 31. New Accounting Pronouncements. In March 2016, the FASB issued ASU 2016-09 Improvements to Employee Share-Based Payment Accounting (“ASU 2016-09”), which simplifies several areas of accounting for share-based payment transactions, including tax provision, classification in the cash-flow statement, forfeitures, and statutory tax withholding requirements. Under ASU 2016-09, all excess tax benefits and tax deficiencies related to share-based payment awards should be recognized as income tax expense or benefit in the income statement during the period in which they occur. Previously, such amounts were recorded in the pool of excess tax benefits included in additional paid-in capital, if such pool was available. Because excess tax benefits are no longer recognized in additional paid-in capital, the assumed proceeds from applying the treasury stock method when computing earnings per share should exclude the amount of excess tax benefits that would have previously been recognized in additional paid-in capital. Additionally, excess tax benefits should be classified along with other income tax cash flows as an operating activity rather than a financing activity, as was previously the case. ASU 2016-09 also provides that an entity can make an entity-wide accounting policy election to either estimate the number of awards that are expected to vest or account for forfeitures when they occur. ASU 2016-09 changes the threshold to qualify for equity classification (rather than as a liability) to permit withholding up to the maximum statutory tax rates in the applicable jurisdictions. The adoption at July 1, 2017 of ASU 2016-09 did not have a significant impact on our financial position, results of operations or cash flows. In May 2014, FASB issued Accounting Standards Update (ASU) 2014-09, Revenue from Contracts with Customers (Topic 606). Public entities are required to adopt the revenue recognition standard for reporting periods beginning after December 15, 2017. The core principle of Topic 606 is that an entity should recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. The standard affects all entities that either enter into contracts with customers to transfer goods or services or enters into contracts for the transfer of nonfinancial assets unless those contracts are within the scope of other standards. Therefore, the ASU excludes revenue associated with financial instruments including loans, leases, securities, and derivatives as these topics are accounted for using other standards. Other areas that are within the scope of the standard include service charges on deposit accounts, and gains and losses on other real estate owned. The Company has formed a working group to guide implementation efforts including the identification of revenue within the scope of the guidance, as well as the evaluation of revenue contracts and the respective performance obligations within those contracts. While the Company has not identified any material changes related to the timing or amount of revenue recognition, the Company will continue to evaluate disaggregation for significant categories of revenue in the scope of the guidance and the need for additional disclosures. Adoption is not anticipated to have a material impact on the Company’s financial statements. In February 2016, the FASB issued ASU No. 2016-02 (“ASU 2016-02”), Leases. The new standard establishes a right-of-use model that requires a lessee to record a right of use asset and a lease liability on the balance sheet for all leases with terms longer than 12 months . Leases will be classified as either finance or operating, with classification affecting the pattern of expense recognition in the income statement. ASU 2016-02 is effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. A modified retrospective transition approach is required for lessees for capital and operating leases existing at, or entered into after, the beginning of the earliest comparative period presented in the financial statements, with certain practical expedients available. The Company continues to evaluate the impact of ASU 2016-02e, including determining whether other contracts exist that are deemed to be in scope. As such, no conclusions have yet been reached regarding the potential impact on adoption of ASU 2016-02 on the Company’s financial statements and regulatory capital and risk-weighted assets; however, the Company does not expect the amendment to have a material impact on its results of operations. In June 2016, the FASB issued ASU 2016-13 Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments (“ASU 2016-13”), which (i) significantly changes the impairment model for most financial assets that are measured at amortized cost and certain other instruments from an incurred loss model to an expected loss model; and (ii) provides for recording credit losses on available-for-sale debt securities through an allowance account. ASU 2016-13 also requires certain incremental disclosures. ASU 2016-13 should be applied on a modified-retrospective transition approach that would require a cumulative-effect adjustment to the opening retained earnings in the statement of financial condition as of the date of adoption. A prospective transition approach is required for debt securities for which an other-than-temporary impairment had been recognized before the effective date. The guidance will be effective for the Company’s financial statements that include periods beginning July 1, 2020. Early adoption is permitted beginning July 1, 2019. The Company has formed a working group, which is currently developing an implementation plan to include assessment of processes, portfolio segmentation, model development, system requirements and the identification of data and resource needs, among other things including evaluating third-party vendor solutions. The Company expects ASU 2016-13 to have a material impact on the Company’s financial statements.

FAIR VALUE

FAIR VALUE	6 Months Ended
	Dec. 31, 2017
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. Accounting Standards Codification Topic 820, Fair Value Measurement , 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 1 assets and liabilities include debt and equity securities that are actively traded in an exchange or over-the-counter market and are highly liquid, such as, among other assets and securities, certain U.S. treasury and other U.S. government debt. 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 which case the items are classified in Level 1. 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 should be 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, available-for-sale, and held-to-maturity . Trading securities are recorded at fair value. Available-for-sale (“AFS”) securities are recorded at fair value and consist of residential mortgage-backed securities (“RMBS”) issued by U.S. agencies, non-agencies, collateralized loan obligations, and municipals. Held-to-maturity (“HTM”) securities are recorded at amortized cost. Fair value for U.S. agency securities is 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. For each security, the Company inputs a projection of monthly default rates, loss severity rates and voluntary prepayment rates for the underlying mortgages for the remaining life of each 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 (and decreased by) the forecasted decrease or increase 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 national unemployment rate announced prior to the end of the period covered by this report (reported for November 2017) was 4.1% , down from the high of 10.0% in October 2009. Going forward, the Company is projecting lower monthly default rates. The range of loss severity rates applied to each default used in the Company’s projections at December 31, 2017 are from 40.0% up to 68.3% 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. 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 December 31, 2017 are from 1.5% up to 10.4% 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 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 December 31, 2017 , the Company computed its discount rates as a spread between 260 and 636 basis points over the interpolated swap 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 the 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. Loans held for sale at fair value are primarily single-family and multifamily residential loans. The fair value of residential loans held for sale is determined by pricing for comparable assets or by existing forward sales commitment prices with investors. 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, 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 and Repossessed Vehicles . 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 estimated 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 based upon prices in active secondary markets for identical securities or based on quoted market prices of similar assets used to form a dealer quote or a pricing matrix. If no such quoted price exists, the fair value of a commitment is determined by quoted prices for a similar commitment or commitments, adjusted for the specific attributes of each commitment. These fair values are then adjusted for items such as fallout and estimated costs to originate the loan. 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 at December 31, 2017 and June 30, 2017 . Assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement: December 31, 2017 (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 $ — $ — $ — $ — Securities—Available-for-Sale: Agency RMBS $ — $ 20,801 $ — $ 20,801 Non-Agency RMBS — — 24,791 24,791 Municipal — 23,528 — 23,528 Other Debt Securities — 122,605 — 122,605 Total—Securities—Available-for-Sale $ — $ 166,934 $ 24,791 $ 191,725 Loans Held for Sale $ — $ 24,499 $ — $ 24,499 Mortgage Servicing Rights $ — $ — $ 9,066 $ 9,066 Other assets – Derivative Instruments $ — $ — $ 1,344 $ 1,344 LIABILITIES: Other liabilities – Derivative Instruments $ — $ — $ 126 $ 126 June 30, 2017 (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 $ — $ — $ 8,327 $ 8,327 Securities—Available-for-Sale: Agency RMBS $ — $ 27,206 $ — $ 27,206 Non-Agency RMBS — — 71,503 71,503 Municipal — 27,163 — 27,163 Other Debt Securities — 138,598 — 138,598 Total—Securities—Available-for-Sale $ — $ 192,967 $ 71,503 $ 264,470 Loans Held for Sale $ — $ 18,738 $ — $ 18,738 Mortgage Servicing Rights $ — $ — $ 7,200 $ 7,200 Other assets – Derivative Instruments $ — $ — $ 1,194 $ 1,194 LIABILITIES: Other liabilities – Derivative Instruments $ — $ — $ 168 $ 168 The following tables present 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: For the Three Months Ended December 31, 2017 (Dollars in thousands) Securities – Trading: Collateralized Debt Obligations Securities – Available-for-Sale: Non-Agency RMBS Mortgage Servicing Rights Derivative Instruments, net Total Opening balance $ — $ 66,619 $ 8,044 $ 1,188 $ 75,851 Transfers into Level 3 — — — — — Transfers out of Level 3 — — — — — Total gains or losses for the period: Included in earnings—Sale of securities — (199 ) — — (199 ) Included in earnings—Fair value gain (loss) on trading securities — — — — — Included in earnings—Mortgage banking income — — 98 30 128 Included in other comprehensive income — 609 — — 609 Purchases, originations, issues, sales and settlements: Purchases/originations — — 924 — 924 Issues — — — — — Sales — (40,000 ) — — (40,000 ) Settlements — (2,231 ) — — (2,231 ) Other-than-temporary impairment — (7 ) — — (7 ) Closing balance $ — $ 24,791 $ 9,066 $ 1,218 $ 35,075 Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period $ — $ (199 ) $ 98 $ 30 $ (71 ) For the Six Months Ended December 31, 2017 (Dollars in thousands) Securities – Trading: Collateralized Debt Obligations Securities – Available-for-Sale: Non-Agency RMBS Mortgage Servicing Rights Derivative Instruments, net Total Opening Balance $ 8,327 $ 71,503 $ 7,200 $ 1,026 $ 88,056 Transfers into Level 3 — — — — — Transfers out of Level 3 — — — — — Total gains or losses for the period: Included in earnings—Sale of securities 282 (199 ) — — 83 Included in earnings—Fair value gain (loss) on trading securities — — — — — Included in earnings—Mortgage banking income — — 379 192 571 Included in other comprehensive income — (1,154 ) — — (1,154 ) Purchases, originations, issues, sales and settlements: Purchases/originations — — 1,487 — 1,487 Issues — — — — — Sales (8,609 ) (40,000 ) — — (48,609 ) Settlements — (5,203 ) — — (5,203 ) Other-than-temporary impairment — (156 ) — — (156 ) Closing balance $ — $ 24,791 $ 9,066 $ 1,218 $ 35,075 Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period $ — $ (199 ) $ 379 $ 192 $ 372 For the Three Months Ended December 31, 2016 (Dollars in thousands) Securities – Trading: Collateralized Debt Obligations Securities – Available-for-Sale: Non-Agency RMBS Mortgage Servicing Rights Derivative Instruments, net Total Opening balance $ 7,695 $ 133,169 $ 4,855 $ 2,186 $ 147,905 Transfers into Level 3 — — — — — Transfers out of Level 3 — — — — — Total gains or losses for the period: Included in earnings—Sale of securities — (2,569 ) — — (2,569 ) Included in earnings—Fair value gain on trading securities 456 — — — 456 Included in earnings—Mortgage banking income — — 585 65 650 Included in other comprehensive income — 1,780 — — 1,780 Purchases, originations, issues, sales and settlements: Purchases/originations — — 710 — 710 Issues — — — — — Sales — (44,210 ) — — (44,210 ) Settlements — (4,594 ) — — (4,594 ) Other-than-temporary impairment — (1,350 ) — — (1,350 ) Closing balance $ 8,151 $ 82,226 $ 6,150 $ 2,251 $ 98,778 Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period $ 456 $ (2,569 ) $ 585 $ 65 $ (1,463 ) For the Six Months Ended December 31, 2016 (Dollars in thousands) Securities – Trading: Collateralized Debt Obligations Securities – Available-for-Sale: Non-Agency RMBS Mortgage Servicing Rights Derivative Instruments, net Total Opening Balance $ 7,584 $ 9,364 $ 3,943 $ 1,318 $ 22,209 Transfers into Level 3 — 124,547 — — 124,547 Transfers out of Level 3 — — — — — Total gains or losses for the period: Included in earnings—Sale of securities — (1,868 ) — — (1,868 ) Included in earnings—Fair value gain (loss) on trading securities 567 — — — 567 Included in earnings—Mortgage banking income — — 364 933 1,297 Included in other comprehensive income — 9,314 — — 9,314 Purchases, originations, issues, sales and settlements: Purchases/originations — — 1,843 — 1,843 Issues — — — — — Sales — (50,609 ) — — (50,609 ) Settlements — (7,052 ) — — (7,052 ) Other-than-temporary impairment — (1,470 ) — — (1,470 ) Closing balance $ 8,151 $ 82,226 $ 6,150 $ 2,251 $ 98,778 Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period $ 567 $ (1,868 ) $ 364 $ 933 $ (4 ) The table below summarizes the quantitative information about level 3 fair value measurements at the periods indicated: December 31, 2017 (Dollars in thousands) Fair Value Valuation Technique Unobservable Input Range (Weighted Average) Securities – Available-for-Sale: Non-agency RMBS $ 24,791 Discounted Cash Flow Projected Constant Prepayment Rate, 2.5 to 18.3% (12.5%) 1.5 to 10.4% (5.0%) Mortgage Servicing Rights $ 9,066 Discounted Cash Flow Projected Constant Prepayment Rate, 5.1 to 28.4% (9.8%) 2.5 to 9.4 (6.6) Derivative Instruments, net $ 1,218 Sales Comparison Approach Projected Sales Profit of Underlying Loans 0.3 to 0.6% (0.5%) June 30, 2017 (Dollars in thousands) Fair Value Valuation Technique Unobservable Input Range (Weighted Average) Securities – Trading: $ 8,327 Discounted Cash Flow Total Projected Defaults, 12.2 to 21.8% (16.8%) Securities – Available-for-Sale: $ 71,503 Discounted Cash Flow Projected Constant Prepayment Rate, 2.5 to 23.4% (12.5%) 1.5 to 18.9% (5.3%) Mortgage Servicing Rights $ 7,200 Discounted Cash Flow Projected Constant Prepayment Rate, 6.3 to 26.9% (9.5%) 2.5 to 7.8 (6.6) Derivative Instruments, net $ 1,026 Sales Comparison Approach Projected Sales Profit of Underlying Loans 0.3 to 0.6% (0.5%) The significant unobservable inputs used in the fair value measurement of the Company’s residential mortgage-backed securities are prepayment rates, probability of default, and 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 loss severity and a directionally opposite change in the assumption used for 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: For the Three Months Ended For the Six Months Ended December 31, December 31, (Dollars in thousands) 2017 2016 2017 2016 Interest income on investments $ — $ 70 $ — $ 143 Fair value adjustment — 456 — 567 Total $ — $ 526 $ — $ 710 The table below summarizes assets measured for impairment on a non-recurring basis: December 31, 2017 (Dollars in thousands) Quoted Prices in Significant Other Significant Balance Impaired Loans: Single family real estate secured: Mortgage $ — $ — $ 26,671 $ 26,671 Home equity — — 16 16 Multifamily real estate secured — — 3,000 3,000 Auto and RV secured — — 152 152 Other — — 150 150 Total $ — $ — $ 29,989 $ 29,989 Other real estate owned and foreclosed assets: Single family real estate $ — $ — $ 8,613 $ 8,613 Autos and RVs — — 195 195 Total $ — $ — $ 8,808 $ 8,808 June 30, 2017 (Dollars in thousands) Quoted Prices in Significant Other Significant Balance Impaired Loans: Single family real estate secured: Mortgage $ — $ — $ 23,377 $ 23,377 Home equity — — 16 16 Multifamily real estate secured — — 4,255 4,255 Auto and RV secured — — 157 157 Commercial & Industrial — — 314 314 Other — — 274 274 Total $ — $ — $ 28,393 $ 28,393 Other real estate owned and foreclosed assets: Single family real estate $ — $ — $ 1,353 $ 1,353 Autos and RVs — — 60 60 Total $ — $ — $ 1,413 $ 1,413 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 $29,989 , after charge-offs of $97 for the six months ended December 31, 2017 , life to date charge-offs of $2,478 , life to date interest payments applied to principal of $1,353 for total life to date principal balance adjustments of $3,831 . Impaired loans had a related allowance of $887 at December 31, 2017 . 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 $8,808 after charge-offs of $1 for the three months ended December 31, 2017 . There were no held-to-maturity securities at December 31, 2017 and June 30, 2017 . 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. None of these loans are 90 days or more past due nor on nonaccrual as of December 31, 2017 and June 30, 2017 . As of December 31, 2017 and June 30, 2017 , the aggregate fair value, contractual balance (including accrued interest), and unrealized gain was as follows: (Dollars in thousands) December 31, 2017 June 30, 2017 Aggregate fair value $ 24,499 $ 18,738 Contractual balance 23,983 18,311 Unrealized gain $ 516 $ 427 The total amount of unrealized gains and losses from changes in fair value included in earnings for the period indicated below for loans held for sale were: For the Three Months Ended For the Six Months Ended December 31, December 31, (Dollars in thousands) 2017 2016 2017 2016 Interest income $ 225 $ 192 $ 372 $ 329 Change in fair value 81 99 282 1,046 Total $ 306 $ 291 $ 654 $ 1,375 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: December 31, 2017 (Dollars in thousands) Fair Value Valuation Technique(s) Unobservable Input Range (Weighted Average) 1 Impaired loans: Single family real estate secured: Mortgage $ 26,671 Sales comparison approach Adjustment for differences between the comparable sales -45.1 to 62.9% (1.6%) Home equity $ 16 Sales comparison approach Adjustment for differences between the comparable sales -52.0 to 7.4% (-6.7%) Multifamily real estate secured $ 3,000 Sales comparison approach, income approach, Discounted cash flows Adjustment for differences between the comparable sales and adjustments for differences in net operating income expectations -32.1 to 48.7% (-12.2%) Auto and RV secured $ 152 Sales comparison approach Adjustment for differences between the comparable sales -21.6 to 71.5% (14.5%) Other $ 150 Discounted cash flow Projected Constant Prepayment Rate, Projected Constant Default Rate, Projected Loss Severity, Discount Rate 0.0 to 0.0% (0.0%) Other real estate owned and foreclosed assets: Single family real estate $ 8,613 Sales comparison approach Adjustment for differences between the comparable sales -21.4 to 31.6% (-1.3%) Autos and RVs $ 195 Sales comparison approach Adjustment for differences between the comparable sales -20.0 to 74.2% (8.0%) 1 For impaired loans, other real estate owned and foreclosed assets 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, 2017 (Dollars in thousands) Fair Value Valuation Technique(s) Unobservable Input Range (Weighted Average) 1 Impaired loans: Single family real estate secured: Mortgage $ 23,377 Sales comparison approach Adjustment for differences between the comparable sales -38.5 to 79.8% (6.4%) Home equity $ 16 Sales comparison approach Adjustment for differences between the comparable sales -6.1 to 26.1% (7.8%) Multifamily real estate secured $ 4,255 Sales comparison approach and income approach Adjustment for differences between the comparable sales and adjustments for differences in net operating income expectations, capitalization rate -24.2 to 48.7% (2.4%) Auto and RV secured $ 157 Sales comparison approach Adjustment for differences between the comparable sales -17.2 to 42.4% (-5.5%) Commercial and Industrial $ 314 Discounted cash flow Discount Rate 34.8 to 34.8% (34.8%) Other $ 274 Discounted cash flow Projected Constant Prepayment Rate, 0.0 to 0.0% (0.0%) 0.0 to 10.0% (5.0%) 100.0 to 100.0% (100.0%) 4.5 to 5.2% (4.9%) Other real estate owned and foreclosed assets: Single family real estate $ 1,353 Sales comparison approach Adjustment for differences between the comparable sales -10.5 to 12.5% (0.1%) Autos and RVs $ 60 Sales comparison approach Adjustment for differences between the comparable sales -17.0 to 20.5% (6.2%) 1 For impaired loans, other real estate owned and foreclosed assets 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 amounts and estimated fair values of financial instruments at December 31, 2017 and June 30, 2017 were as follows: December 31, 2017 Fair Value (Dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Fair Value Financial assets: Cash and cash equivalents $ 618,089 $ 618,089 $ — $ — $ 618,089 Securities available-for-sale 191,725 — 166,934 24,791 191,725 Loans held for sale, at fair value 24,499 — 24,499 — 24,499 Loans held for sale, at lower of cost or fair value 7,067 — — 7,249 7,249 Loans and leases held for investment—net 7,874,431 — — 7,974,013 7,974,013 Accrued interest receivable 26,053 — — 26,053 26,053 Mortgage servicing rights 9,066 — — 9,066 9,066 Financial liabilities: Time deposits and savings 7,393,233 — 7,065,220 — 7,065,220 Advances from the Federal Home Loan Bank 543,000 — 544,483 — 544,483 Subordinated notes and debentures and other 54,503 — 52,599 — 52,599 Accrued interest payable 1,517 — 1,517 — 1,517 June 30, 2017 Fair Value (Dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Fair Value Financial assets: Cash and cash equivalents $ 643,541 $ 643,541 $ — $ — $ 643,541 Securities trading 8,327 — — 8,327 8,327 Securities available-for-sale 264,470 — 192,967 71,503 264,470 Loans held for sale, at fair value 18,738 — 18,738 — 18,738 Loans held for sale, at lower of cost or fair value 6,669 — — 7,328 7,328 Loans and leases held for investment—net 7,374,493 — — 7,521,281 7,521,281 Accrued interest receivable 20,781 — — 20,781 20,781 Mortgage servicing rights 7,200 — — 7,200 7,200 Financial liabilities: Time deposits and savings 6,899,507 — 6,544,056 — 6,544,056 Securities sold under agreements to repurchase 20,000 — 20,152 — 20,152 Advances from the Federal Home Loan Bank 640,000 — 645,339 — 645,339 Subordinated notes and debentures and other 54,463 — 52,930 — 52,930 Accrued interest payable 1,284 — 1,284 — 1,284 The methods and assumptions, not previously presented, used to estimate fair value are described as follows: Carrying amount is the estimated fair value for cash and cash equivalents, interest bearing deposits, accrued interest receivable and payable, demand deposits, short-term debt, and variable rate loans or deposits that reprice frequently and fully. For fixed rate loans, deposits, borrowings or subordinated debt and for variable rate loans, deposits, borrowings or subordinated debt with infrequent repricing or repricing limits, fair value is based on discounted cash flows using current market rates applied to the estimated life and credit risk. A discussion of the methods of valuing trading securities, available for sale securities and loans held for sale can be found earlier in this footnote. The carrying amount of stock of the Federal Home Loan Bank (“FHLB”) approximates the estimated fair value of this investment. The fair value of off-balance sheet items is not considered material.

SECURITIES

SECURITIES	6 Months Ended
	Dec. 31, 2017
Investments, Debt and Equity Securities [Abstract]
SECURITIES	SECURITIES The amortized cost, carrying amount and fair value for the major categories of securities: trading and available-for-sale at December 31, 2017 and June 30, 2017 were: December 31, 2017 Trading Available-for-sale (Dollars in thousands) Fair Value Amortized Cost Unrealized Gains Unrealized Losses Fair Value Mortgage-backed securities (RMBS): U.S. agencies 1 $ — $ 20,948 $ 253 $ (400 ) $ 20,801 Non-agency 2 — 25,983 200 (1,392 ) 24,791 Total mortgage-backed securities — 46,931 453 (1,792 ) 45,592 Other debt securities: Municipal — 24,085 2 (559 ) 23,528 Non-agency — 120,022 2,606 (23 ) 122,605 Total other debt securities — 144,107 2,608 (582 ) 146,133 Total debt securities $ — $ 191,038 $ 3,061 $ (2,374 ) $ 191,725 June 30, 2017 Trading Available-for-sale (Dollars in thousands) Fair Value Amortized Cost Unrealized Gains Unrealized Losses Fair Value Mortgage-backed securities (RMBS): U.S. agencies 1 $ — $ 27,379 $ 286 $ (459 ) $ 27,206 Non-agency 2 — 65,401 7,406 (1,304 ) 71,503 Total mortgage-backed securities — 92,780 7,692 (1,763 ) 98,709 Other debt securities: Municipal — 27,568 19 (424 ) 27,163 Non-agency 8,327 137,172 1,517 (91 ) 138,598 Total other debt securities 8,327 164,740 1,536 (515 ) 165,761 Total debt securities $ 8,327 $ 257,520 $ 9,228 $ (2,278 ) $ 264,470 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 $24,791 at December 31, 2017 consists of nineteen different issues of super senior securities with a fair value of $24,725 and two mezzanine z-tranche securities, negative-amortizing support tranches, with a fair value of $66 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. 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, Loans and Debt Securities Acquired with Deteriorated Credit Quality (“ASC Topic 310-30”). 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. During the quarter ended December 31, 2017 , the Company sold its one senior support security for a loss of $861 . The current face amounts of debt securities available-for-sale that were pledged to secure borrowings at December 31, 2017 and June 30, 2017 were $1,211 and $6,183 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: December 31, 2017 Available-for-sale securities in loss position for 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 RMBS: U.S. agencies $ 2 $ — $ 13,788 $ (400 ) $ 13,790 $ (400 ) Non-agency 1,635 (63 ) 20,034 (1,329 ) 21,669 (1,392 ) Total RMBS securities 1,637 (63 ) 33,822 (1,729 ) 35,459 (1,792 ) Other Debt: Municipal Debt 2,273 (10 ) 12,499 (549 ) 14,772 (559 ) Non-agency 995 (6 ) 6,704 (17 ) 7,699 (23 ) Total Other Debt 3,268 (16 ) 19,203 (566 ) 22,471 (582 ) Total debt securities $ 4,905 $ (79 ) $ 53,025 $ (2,295 ) $ 57,930 $ (2,374 ) June 30, 2017 Available-for-sale securities in loss position for 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 RMBS: U.S. agencies $ 17,161 $ (374 ) $ 2,348 $ (85 ) $ 19,509 $ (459 ) Non-agency 2,487 (16 ) 25,097 (1,288 ) 27,584 (1,304 ) Total RMBS securities 19,648 (390 ) 27,445 (1,373 ) 47,093 (1,763 ) Other Debt: Municipal Debt 13,431 (420 ) 1,757 (4 ) 15,188 (424 ) Non-agency 27,750 (91 ) — — 27,750 (91 ) Total Other Debt 41,181 (511 ) 1,757 (4 ) 42,938 (515 ) Total debt securities $ 60,829 $ (901 ) $ 29,202 $ (1,377 ) $ 90,031 $ (2,278 ) There were 25 securities that were in a continuous loss position at December 31, 2017 for a period of more than 12 months . There were 16 securities that were in a continuous loss position at June 30, 2017 for a period of more than 12 months . The following table summarizes amounts of credit loss recognized in the income statement through other-than-temporary impairment charges which reduced non-interest income: For the Three Months Ended For the Six Months Ended December 31, December 31, (Dollars in thousands) 2017 2016 2017 2016 Beginning balance $ (15,677 ) $ (20,611 ) $ (15,528 ) $ (20,865 ) Additions for the amounts related to credit loss for which an other-than-temporary impairment was not previously recognized (7 ) — (7 ) — Increases to the amount related to the credit loss for which other-than-temporary impairment was previously recognized — (1,350 ) (149 ) (1,470 ) Credit losses realized for securities sold 15,574 5,330 15,574 5,704 Ending balance $ (110 ) $ (16,631 ) $ (110 ) $ (16,631 ) At December 31, 2017 , non-agency RMBS with a total carrying amount of $1,366 were determined to have cumulative credit losses of $110 of which $7 was recognized in earnings during the three months ended December 31, 2017 . This quarter’s other-than-temporary impairment of $7 is related to one non-agency RMBS with a total carrying amount of $1,300 . The Company measures its non-agency RMBS in an unrecognized 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 an other-than-temporary impairment of its debt securities. The excess of present value over the fair value of the security (if any) is the non-credit component only 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 the other-than-temporary impairment is recorded as a loss in earnings and the non-credit component as a charge to other comprehensive income, net of the related income tax benefit. 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 3 – 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. Total proceeds of $8,700 and net realized gains of $282 were realized from the sale of trading securities during the six months ended December 31, 2017 . The gross gains and losses realized through earnings upon the sale of available-for-sale securities were as follows: For the Three Months Ended For the Six Months Ended December 31, December 31, (Dollars in thousands) 2017 2016 2017 2016 Proceeds $ 40,045 $ 95,386 $ 40,045 $ 121,061 Gross realized gains 1,107 5,089 1,107 6,079 Gross realized losses (1,306 ) (3,467 ) (1,306 ) (3,467 ) Net realized gain on securities $ (199 ) $ 1,622 $ (199 ) $ 2,612 The Company had recorded unrealized gains and unrealized losses in accumulated other comprehensive loss as follows: (Dollars in thousands) December 31, June 30, Available-for-sale debt securities—net unrealized gains $ 687 $ 6,949 Available-for-sale debt securities—non-credit related losses (173 ) (6,115 ) Subtotal 514 834 Tax (expense) benefit (148 ) (347 ) Net unrealized gain (loss) on investment securities in accumulated other comprehensive income (loss) $ 366 $ 487 The expected maturity distribution including repayments of the Company’s mortgage-backed securities and other debt securities classified as available-for-sale at December 31, 2017 were: December 31, 2017 Available for sale (Dollars in thousands) Amortized Cost Fair Value RMBS—U.S. agencies 1 : Due within one year $ 1,199 $ 1,186 Due one to five years 4,150 4,124 Due five to ten years 4,138 4,145 Due after ten years 11,461 11,346 Total RMBS—U.S. agencies 1 20,948 20,801 RMBS—Non-agency: Due within one year 3,912 3,771 Due one to five years 12,201 11,677 Due five to ten years 7,317 6,932 Due after ten years 2,553 2,411 Total RMBS—Non-agency 25,983 24,791 Other debt: Due within one year 41,846 43,122 Due one to five years 88,431 89,733 Due five to ten years — — Due after ten years 13,830 13,278 Total other debt 144,107 146,133 Total $ 191,038 $ 191,725 1 Residential mortgage-backed security (RMBS) distributions include impact of expected prepayments and other timing factors.

LOANS, LEASES & ALLOWANCE FOR L

LOANS, LEASES & ALLOWANCE FOR LOAN AND LEASE LOSSES	6 Months Ended
	Dec. 31, 2017
Receivables [Abstract]
LOANS, LEASES & ALLOWANCE FOR LOAN AND LEASE LOSSES	LOANS, LEASES & ALLOWANCE FOR LOAN AND LEASE LOSSES The following table sets forth the composition of the loan and lease portfolio as of the dates indicated: (Dollars in thousands) December 31, 2017 June 30, 2017 Single family real estate secured: Mortgage $ 3,981,075 $ 3,901,754 Home equity 2,487 2,092 Warehouse and other 1 495,669 452,390 Multifamily real estate secured 1,698,450 1,619,404 Commercial real estate secured 176,147 162,715 Auto and RV secured 189,557 154,246 Factoring 194,252 160,674 Commercial & Industrial 1,151,904 992,232 Other 79,522 3,754 Total gross loans and leases 7,969,063 7,449,261 Allowance for loan and lease losses (45,606 ) (40,832 ) Unaccreted discounts and loan and lease fees (49,026 ) (33,936 ) Total net loans and leases $ 7,874,431 $ 7,374,493 1 The balance of single family warehouse loans was $190,357 at December 31, 2017 and $187,034 at June 30, 2017 . The remainder of the balance was attributable to single family real estate secured commercial specialty and lender finance loans. Allowance for Loan and Lease Losses. We are committed to maintaining the allowance for loan and lease losses (sometimes referred to as the “allowance”) 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 and lease losses is adequate at December 31, 2017 , future additions to the allowance will be subject to continuing evaluation of estimated and known, as well as inherent risks in the loan and lease portfolio. Allowance for Loan and Lease Loss Disclosures. The assessment of the adequacy of the Company’s allowance for loan and lease losses is based upon a number of quantitative and qualitative factors, including levels and trends of past due and nonaccrual loans and leases, change in volume and mix of loans and leases, collateral values and charge-off history. The Company provides general loan loss reserves for its automobile (“auto”) and recreational vehicle (“RV”) loans based upon the borrower credit score and the Company’s loss experience to date. The allowance for loan loss for the auto and RV loan portfolio at December 31, 2017 was determined by classifying each outstanding loan according to semi-annually refreshed FICO score and providing loss rates. The Company had $189,405 of auto and RV loan balances subject to general reserves as follows: FICO greater than or equal to 770: $94,210 ; 715 – 769: $64,411 ; 700 – 714: $15,736 ; 660 – 699: $13,520 and less than 660: $1,528 . The Company provides general loan loss reserves for mortgage loans based upon the size and class of the mortgage loan and the loan-to-value ratio (“LTV”) at date of origination. The Company divides the LTV analysis into two classes, separating the purchased loans from the loans underwritten directly by the Company. Based on historical performance, the Company concluded that originated loans require lower estimated loss rates than purchased loans. The allowance for each class is determined by dividing the outstanding unpaid balance for each loan by the loan-to-value and applying a loss rate. The LTV groupings for each significant mortgage class are as follows: The Company had $3,954,404 of single family mortgage portfolio loan balances subject to general reserves as follows: LTV less than or equal to 60%: $2,303,779 ; 61% – 70%: $1,317,002 ; 71% – 80%: $333,428 ; and greater than 80%: $195 . The Company had $1,695,450 of multifamily mortgage portfolio loan balances subject to general reserves as follows: LTV less than or equal to 55%: $886,901 ; 56% – 65%: $520,878 ; 66% – 75%: $278,070 ; 76% – 80%: $9,601 and greater than 80%: $0 . The Company had $176,147 of commercial real estate loan balances subject to general reserves as follows: LTV less than or equal to 50%: $80,086 ; 51% – 60%: $39,252 ; 61% – 70%: $46,635 ; and 71% – 80%: $10,174 . 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 and lease losses by portfolio classes for the periods indicated: For the Three Months Ended December 31, 2017 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Equity Warehouse & Other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Balance at October 1, 2017 $ 19,815 $ 20 $ 3,132 $ 4,838 $ 914 $ 2,958 $ 462 $ 9,614 $ 346 $ 42,099 Provision for loan and lease loss (83 ) (4 ) (349 ) (8 ) (109 ) 104 19 1,876 2,554 4,000 Charge-offs (11 ) — (287 ) — — (191 ) — — (153 ) (642 ) Recoveries — 4 — — — 36 — — 109 149 Balance at December 31, 2017 $ 19,721 $ 20 $ 2,496 $ 4,830 $ 805 $ 2,907 $ 481 $ 11,490 $ 2,856 $ 45,606 For the Three Months Ended December 31, 2016 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Equity Warehouse & Other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Balance at October 1, 2016 $ 19,483 $ 22 $ 2,554 $ 3,922 $ 917 $ 1,914 $ 294 $ 8,411 $ 79 $ 37,596 Provision for loan and lease loss 601 (16 ) (375 ) (9 ) 84 123 45 1,353 2,294 4,100 Charge-offs (841 ) — — — — (66 ) — — (31 ) (938 ) Recoveries — 16 — — — 46 — — 108 170 Balance at December 31, 2016 $ 19,243 $ 22 $ 2,179 $ 3,913 $ 1,001 $ 2,017 $ 339 $ 9,764 $ 2,450 $ 40,928 For the Six Months Ended December 31, 2017 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Equity Warehouse & Other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Balance at July 1, 2017 $ 19,972 $ 19 $ 2,298 $ 4,638 $ 1,008 $ 2,379 $ 401 $ 9,881 $ 236 $ 40,832 Provision for loan and lease loss (159 ) (6 ) 485 192 (203 ) 729 80 1,609 2,273 5,000 Charge-offs (96 ) (287 ) — — (339 ) — — (154 ) (876 ) Recoveries 4 7 — — — 138 — — 501 650 Balance at December 31, 2017 $ 19,721 $ 20 $ 2,496 $ 4,830 $ 805 $ 2,907 $ 481 $ 11,490 $ 2,856 $ 45,606 For the Six Months Ended December 31, 2016 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Equity Warehouse & Other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Balance at July 1, 2016 $ 18,666 $ 23 $ 2,685 $ 3,938 $ 882 $ 1,615 $ 245 $ 7,630 $ 142 $ 35,826 Provision for loan and lease loss 1,400 (21 ) (506 ) (25 ) 142 449 94 2,134 2,333 6,000 Charge-offs (868 ) — — — (23 ) (139 ) — — (133 ) (1,163 ) Recoveries 45 20 — — — 92 — — 108 265 Balance at December 31, 2016 $ 19,243 $ 22 $ 2,179 $ 3,913 $ 1,001 $ 2,017 $ 339 $ 9,764 $ 2,450 $ 40,928 The following tables present our loans and leases evaluated individually for impairment by class: December 31, 2017 (Dollars in thousands) Unpaid Principal Balance Principal Balance Adjustment 1 Unpaid Book Balance Accrued Interest / Origination Fees Recorded Investment Related Allocation of General Allowance Related Allocation of Specific Allowance With no related allowance recorded: Single Family Real Estate Secured: Mortgage: In-house originated $ 2,954 $ 974 $ 1,980 $ 279 $ 2,259 $ — $ — Purchased 4,153 1,916 2,237 1 2,238 — — Multifamily Real Estate Secured: Purchased 486 232 254 — 254 — — Auto and RV Secured: In-house originated 500 367 133 5 138 — — With an allowance recorded: Single Family Real Estate Secured: Mortgage: In-house originated 21,065 12 21,053 — 21,053 746 — Purchased 1,437 36 1,401 23 1,424 49 — Home Equity: In-house originated 16 — 16 — 16 1 — Multifamily Real Estate Secured: In-house originated 3,031 285 2,746 369 3,115 14 — Auto and RV Secured: In-house originated 28 9 19 1 20 1 — Other 150 — 150 — 150 76 — Total $ 33,820 $ 3,831 $ 29,989 $ 678 $ 30,667 $ 887 $ — As a % of total gross loans and leases 0.42 % 0.04 % 0.38 % 0.01 % 0.39 % 0.01 % — % June 30, 2017 (Dollars in thousands) Unpaid Principal Balance Principal Balance Adjustment 1 Unpaid Book Balance Accrued Interest / Origination Fees Recorded Investment Related Allocation of General Allowance Related Allocation of Specific Allowance With no related allowance recorded: Single Family Real Estate Secured: Mortgage: In-house originated $ 4,240 $ 1,032 $ 3,208 $ 205 $ 3,413 $ — $ — Purchased 4,563 1,903 2,660 — 2,660 — — Multifamily Real Estate Secured: Purchased 492 215 277 — 277 — — Auto and RV Secured: In-house originated 418 295 123 3 126 — — With an allowance recorded: Single Family Real Estate Secured: Mortgage: In-house originated 16,124 12 16,112 — 16,112 643 — Purchased 1,429 32 1,397 17 1,414 37 — Home Equity: In-house originated 18 2 16 — 16 1 — Multifamily Real Estate Secured: In-house originated 4,170 192 3,978 186 4,164 19 — Auto and RV Secured: In-house originated 42 8 34 2 36 1 — Commercial & Industrial 314 — 314 — 314 314 — Other 274 — 274 — 274 43 — Total $ 32,084 $ 3,691 $ 28,393 $ 413 $ 28,806 $ 1,058 $ — As a % of total gross loans and leases 0.43 % 0.05 % 0.38 % 0.01 % 0.39 % 0.01 % — % 1 Impaired loans with an allowance recorded do not have any charge-offs. Principal balance adjustments on impaired loans with an allowance recorded represent interest payments that have been applied to the book balance as a result of the loans’ non-accrual status. The following tables present the balance in the allowance for loan and lease losses and the recorded investment in loans and leases by portfolio segment and based on impairment evaluation method: December 31, 2017 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Warehouse and other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Allowance for loan and lease losses: Ending allowance balance attributable to loans and leases: Individually evaluated for impairment – general allowance $ 795 $ 1 $ — $ 14 $ — $ 1 $ — $ — $ 76 $ 887 Individually evaluated for impairment – specific allowance — — — — — — — — — — Collectively evaluated for impairment 18,926 19 2,496 4,816 805 2,906 481 11,490 2,780 44,719 Total ending allowance balance $ 19,721 $ 20 $ 2,496 $ 4,830 $ 805 $ 2,907 $ 481 $ 11,490 $ 2,856 $ 45,606 Loans and leases: Loans and leases individually evaluated for impairment 1 $ 26,671 $ 16 $ — $ 3,000 $ — $ 152 $ — $ — $ 150 $ 29,989 Loans and leases collectively evaluated for impairment 3,954,404 2,471 495,669 1,695,450 176,147 189,405 194,252 1,151,904 79,372 7,939,074 Principal loan and lease balance 3,981,075 2,487 495,669 1,698,450 176,147 189,557 194,252 1,151,904 79,522 7,969,063 Unaccreted discounts and loan and lease fees 9,315 41 (1,113 ) 4,464 713 2,200 (60,230 ) (1,835 ) (2,581 ) (49,026 ) Accrued interest receivable 9,788 5 2,092 5,153 481 405 168 4,653 999 23,744 Total recorded investment in loans and leases $ 4,000,178 $ 2,533 $ 496,648 $ 1,708,067 $ 177,341 $ 192,162 $ 134,190 $ 1,154,722 $ 77,940 $ 7,943,781 1 Loans and leases evaluated for impairment include Troubled Debt Restructurings (“TDRs”) that have been performing for more than six months . June 30, 2017 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Warehouse and other Multifamily Real Estate Secured Commercial Real Estate Auto and RV Secured Factoring Commercial & Industrial Other Total Allowance for loan and lease losses: Ending allowance balance attributable to loans and leases: Individually evaluated for impairment – general allowance $ 680 $ 1 $ — $ 19 $ — $ 1 $ — $ 314 $ 43 $ 1,058 Individually evaluated for impairment – specific allowance — — — — — — — — — — Collectively evaluated for impairment 19,292 18 2,298 4,619 1,008 2,378 401 9,567 193 39,774 Total ending allowance balance $ 19,972 $ 19 $ 2,298 $ 4,638 $ 1,008 $ 2,379 $ 401 $ 9,881 $ 236 $ 40,832 Loans and leases: Loans and leases individually evaluated for impairment 1 $ 23,377 $ 16 $ — $ 4,255 $ — $ 157 $ — $ 314 $ 274 $ 28,393 Loans and leases collectively evaluated for impairment 3,878,377 2,076 452,390 1,615,149 162,715 154,089 160,674 991,918 3,480 7,420,868 Principal loan and lease balance 3,901,754 2,092 452,390 1,619,404 162,715 154,246 160,674 992,232 3,754 7,449,261 Unaccreted discounts and loan and lease fees 10,486 34 (1,702 ) 4,586 744 2,054 (49,350 ) (640 ) (148 ) (33,936 ) Accrued interest receivable 8,831 1 (766 ) 4,946 377 284 213 4,757 13 18,656 Total recorded investment in loans and leases $ 3,921,071 $ 2,127 $ 449,922 $ 1,628,936 $ 163,836 $ 156,584 $ 111,537 $ 996,349 $ 3,619 $ 7,433,981 1 Loans and leases evaluated for impairment include TDRs that have been performing for more than six months . Credit Quality Disclosures. Non-performing loans and leases consisted of the following as of the dates indicated: (Dollars in thousands) December 31, June 30, Single Family Real Estate Secured: Mortgage: In-house originated $ 23,033 $ 19,320 Purchased 3,638 4,057 Home Equity: In-house originated 16 16 Multifamily Real Estate Secured: In-house originated 2,746 3,978 Purchased 254 277 Total non-performing loans secured by real estate 29,687 27,648 Auto and RV Secured 152 157 Commercial and Industrial — 314 Other 150 274 Total non-performing loans and leases $ 29,989 $ 28,393 Non-performing loans and leases to total loans and leases 0.38 % 0.38 % The Company has no loans and leases over 90 days delinquent that are still accruing interest at December 31, 2017 . Approximately 88.94% of the Company’s non-performing loans and leases are single family first mortgages already written down to 46.80% in aggregate, of the original appraisal value of the underlying properties. The following tables present the outstanding unpaid balance of loans and leases that are performing and non-performing by portfolio class: December 31, 2017 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Warehouse & other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Performing $ 3,954,404 $ 2,471 $ 495,669 $ 1,695,450 $ 176,147 $ 189,405 $ 194,252 $ 1,151,904 $ 79,372 $ 7,939,074 Non-performing 26,671 16 — 3,000 — 152 — — 150 29,989 Total $ 3,981,075 $ 2,487 $ 495,669 $ 1,698,450 $ 176,147 $ 189,557 $ 194,252 $ 1,151,904 $ 79,522 $ 7,969,063 June 30, 2017 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Warehouse & other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Performing $ 3,878,377 $ 2,076 $ 452,390 $ 1,615,149 $ 162,715 $ 154,089 $ 160,674 $ 991,918 $ 3,480 $ 7,420,868 Non-performing 23,377 16 — 4,255 — 157 — 314 274 28,393 Total $ 3,901,754 $ 2,092 $ 452,390 $ 1,619,404 $ 162,715 $ 154,246 $ 160,674 $ 992,232 $ 3,754 $ 7,449,261 The Company divides loan balances when determining general loan loss reserves between purchases and originations as follows: December 31, 2017 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 $ 3,911,994 $ 42,410 $ 3,954,404 $ 1,614,892 $ 80,558 $ 1,695,450 $ 165,157 $ 10,990 $ 176,147 Non-performing 23,033 3,638 26,671 2,746 254 3,000 — — — Total $ 3,935,027 $ 46,048 $ 3,981,075 $ 1,617,638 $ 80,812 $ 1,698,450 $ 165,157 $ 10,990 $ 176,147 June 30, 2017 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 $ 3,827,649 $ 50,728 $ 3,878,377 $ 1,528,912 $ 86,237 $ 1,615,149 $ 150,880 $ 11,835 $ 162,715 Non-performing 19,320 4,057 23,377 3,978 277 4,255 — — — Total $ 3,846,969 $ 54,785 $ 3,901,754 $ 1,532,890 $ 86,514 $ 1,619,404 $ 150,880 $ 11,835 $ 162,715 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. Approximately 4.63% of our non-performing loans and leases at December 31, 2017 were considered TDRs, compared to 5.56% at June 30, 2017 . Borrowers that 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 and lease category to the performing loan and lease category and any previously deferred interest income is recognized. The Company classifies these loans as performing loans temporarily modified as TDR and are included in impaired loans and leases as follows: December 31, 2017 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Warehouse & other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Performing loans temporarily modified as TDR $ — $ — $ — $ — $ — $ — $ — $ — $ — $ — Non-performing loans and leases 26,671 16 — 3,000 — 152 — — 150 29,989 Total impaired loans and leases $ 26,671 $ 16 $ — $ 3,000 $ — $ 152 $ — $ — $ 150 $ 29,989 June 30, 2017 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Warehouse & other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Performing loans temporarily modified as TDR $ — $ — $ — $ — $ — $ — $ — $ — $ — $ — Non-performing loans and leases 23,377 16 — 4,255 — 157 — 314 274 28,393 Total impaired loans and leases $ 23,377 $ 16 $ — $ 4,255 $ — $ 157 $ — $ 314 $ 274 $ 28,393 The Company recognizes interest on performing loans temporarily modified as TDR, which is shown in conjunction with average balances as follows: For the Three Months Ended December 31, 2017 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Warehouse & other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Interest income recognized on performing TDRs $ — $ — $ — $ — $ — $ — $ — $ — $ — $ — Average balances of performing TDRs $ — $ — $ — $ — $ — $ — $ — $ — $ — $ — Average balances of impaired loans $ 27,083 $ 16 $ — $ 3,598 $ — $ 141 $ — $ — $ 206 $ 31,044 For the Three Months Ended December 31, 2016 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Warehouse & other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Interest income recognized on performing TDRs $ 3 $ — $ — $ — $ — $ — $ — $ — $ — $ 3 Average balances of performing TDRs $ 207 $ — $ — $ — $ — $ — $ — $ — $ — $ 207 Average balances of impaired loans $ 31,855 $ 40 $ — $ 5,606 $ 232 $ 262 $ — $ — $ 510 $ 38,505 For the Six Months Ended December 31, 2017 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Warehouse & other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Interest income recognized on performing TDRs $ — $ — $ — $ — $ — $ — $ — $ — $ — $ — Average balances of performing TDRs $ — $ — $ — $ — $ — $ — $ — $ — $ — $ — Average balances of impaired loans $ 25,847 $ 16 $ — $ 3,817 $ — $ 146 $ — $ 105 $ 229 $ 30,160 For the Six Months Ended December 31, 2016 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Warehouse & other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Interest income recognized on performing TDRs $ 6 $ — $ — $ — $ — $ — $ — $ — $ — $ 6 Average balances of performing TDRs $ 208 $ — $ — $ — $ — $ — $ — $ — $ — $ 208 Average balances of impaired loans $ 30,773 $ 37 $ — $ 4,476 $ 239 $ 267 $ — $ — $ 565 $ 36,357 The Company’s loan modifications primarily 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. Credit Quality Indicators The Company categorizes loans and leases 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 and leases individually by classifying the loans and leases based on credit risk. The Company uses the following definitions for risk ratings. Pass. Loans and leases 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 and leases 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 lease or of the institution’s credit position at some future date. Substandard . Loans and leases 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 and leases 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 and leases 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 and leases following a continuous review process, featuring coverage of all loan and lease 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 table presents the composition of the Company’s loan and lease portfolio by credit quality indicators: December 31, 2017 (Dollars in thousands) Pass Special Substandard Doubtful Total Single Family Real Estate Secured: Mortgage: In-house originated $ 3,872,932 $ 39,062 $ 23,033 $ — $ 3,935,027 Purchased 42,043 367 3,638 — 46,048 Home Equity: In-house originated 2,471 — 16 — 2,487 Warehouse and other: In-house originated 495,669 — — — 495,669 Multifamily Real Estate Secured: In-house originated 1,612,658 2,234 2,746 — 1,617,638 Purchased 79,561 — 1,251 — 80,812 Commercial Real Estate Secured: In-house originated 165,157 — — — 165,157 Purchased 9,047 1,943 — — 10,990 Auto and RV Secured: In-house originated 189,391 22 144 — 189,557 Factoring 194,252 — — — 194,252 Commercial & Industrial: In-house originated 1,112,380 4,674 — — 1,117,054 Purchased 33,159 94 1,597 34,850 Other 79,372 — 150 — 79,522 Total $ 7,888,092 $ 48,396 $ 32,575 $ — $ 7,969,063 As a % of total gross loans and leases 99.0 % 0.6 % 0.4 % — % 100.0 % June 30, 2017 (Dollars in thousands) Pass Special Substandard Doubtful Total Single Family Real Estate Secured: Mortgage: In-house originated $ 3,808,886 $ 18,763 $ 19,320 $ — $ 3,846,969 Purchased 49,893 538 4,354 — 54,785 Home Equity: In-house originated 2,076 — 16 — 2,092 Warehouse and other: In-house originated 452,390 — — — 452,390 Multifamily Real Estate Secured: In-house originated 1,526,931 1,981 3,978 — 1,532,890 Purchased 84,775 452 1,287 — 86,514 Commercial Real Estate Secured: In-house originated 150,880 — — — 150,880 Purchased 9,868 1,967 — — 11,835 Auto and RV Secured: In-house originated 153,994 77 175 — 154,246 Factoring 160,674 — — — 160,674 Commercial & Industrial 991,918 — 314 — 992,232 Other 3,480 — 274 — 3,754 Total $ 7,395,765 $ 23,778 $ 29,718 $ — $ 7,449,261 As a % of total gross loans and leases 99.3 % 0.3 % 0.4 % — % 100.0 % The Company considers the performance of the loan and lease portfolio and its impact on the allowance for loan and lease losses. The Company also evaluates credit quality based on the aging status of its loans and leases. During the year, the Company holds certain short-term loans that do not have a fixed maturity date that are treated as delinquent if not paid in full 90 days after the origination date. The following table provides the outstanding unpaid balance of loans and leases that are past due 30 days or more by portfolio class as of the period indicated: December 31, 2017 (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 $ 8,409 $ 2,953 $ 19,798 $ 31,160 Purchased 556 203 2,137 2,896 Home equity: In-house originated — — 16 16 Multifamily real estate secured: In-house originated — — 2,746 2,746 Auto and RV secured 389 21 68 478 Factoring — 548 — 548 Commercial and industrial 672 — — 672 Other 52 — 150 202 Total $ 10,078 $ 3,725 $ 24,915 $ 38,718 As a % of total gross loans and leases 0.13 % 0.05 % 0.31 % 0.49 % June 30, 2017 (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 $ 4,892 $ 2,325 $ 19,297 $ 26,514 Purchased 244 101 1,751 2,096 Home equity In-house originated — — 16 16 Multifamily real estate secured In-house originated — — 3,978 3,978 Auto and RV secured In-house originated 149 77 3 229 Commercial and industrial — — 314 314 Other — — 274 274 Total $ 5,285 $ 2,503 $ 25,633 $ 33,421 As a % of total gross loans and leases 0.07 % 0.03 % 0.35 % 0.45 %

INCOME TAXES

INCOME TAXES	6 Months Ended
	Dec. 31, 2017
Income Tax Disclosure [Abstract]
INCOME TAXES	INCOME TAXES In the three months ended December 31, 2017 , the Company revised its estimated annual effective rate to reflect a change in the federal statutory rate from 35.0% to 21.0% , resulting from legislation commonly referred to as the Tax Cuts and Jobs Act (the “Tax Act”) that was enacted on December 22, 2017 . The Tax Act makes broad and complex changes to the U.S. tax code that will affect our fiscal year ending June 30, 2018 , including reducing the U.S. federal corporate statutory tax rate to 21.0% beginning January 1, 2018 , which results in a blended federal corporate statutory tax rate of 28.1% for the Company’s fiscal year ending June 30, 2018 that is based on the applicable tax rates before and after the Tax Act and the number of days in the year. Additionally, during the three months ended December 31, 2017 , the Company revalued the deferred tax balance to reflect the new corporate tax rate, which resulted in a decrease in net deferred tax assets of $8,032 . As a result, income tax expense reported for the six months ended December 31, 2017 was adjusted to reflect the effects of the change in the tax law and resulted in an increase in income tax expense of $1,866 . This amount comprises an increase of $8,032 from the application of the newly enacted rates to existing deferred balances partially offset by a reduction of $6,166 in income tax expense for the six months ended December 31, 2017 related to the lower corporate rate. The accounting for the effects of the rate change on deferred tax balances is complete and no provisional amounts were recorded for this item.

EQUITY AND STOCK-BASED COMPENSA

EQUITY AND STOCK-BASED COMPENSATION	6 Months Ended
	Dec. 31, 2017
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
EQUITY AND STOCK-BASED COMPENSATION	EQUITY AND STOCK-BASED COMPENSATION On March 17, 2016, the Board of Directors of the Company, authorized a program to repurchase up to $100 million of common stock. The new share repurchase authorization replaces the previous share repurchase plan approved on July 5, 2005. The Company may repurchase shares on the open market or through privately negotiated transactions at times and prices considered appropriate, at the discretion of the Company, and subject to its assessment of alternative uses of capital, stock trading price, general market conditions and regulatory factors. The repurchase program does not obligate the Company to acquire any specific number of shares. The share repurchase program will continue in effect until terminated by the Board of Directors of the Company. As of December 31, 2017 , the Company has repurchased a total of $28.3 million , or 1,003,463 common shares at an average price of $28.20 per share with $71.7 million remaining under the current board authorized stock repurchase program. The Company accounts for treasury stock using the cost method as a reduction of shareholders’ equity in the accompanying unaudited condensed consolidated financial statements. During the six months ended December 31, 2017 and 2016 , the Company granted 683,691 and 804,518 restricted stock units, to employees and directors, respectively. Restricted stock unit awards (“RSUs”) granted during these quarters generally vest over three years, one-third on each anniversary date, except for any RSUs granted to the Company’s CEO, which vest one-fourth on each fiscal year end. The Company’s income before income taxes and net income for the three months ended December 31, 2017 and December 31, 2016 include stock award expense of $4,028 and $3,413 , with total income tax benefit of $1,771 and $1,432 , respectively. For the six months ended December 31, 2017 and December 31, 2016 stock award expense was $7,687 and $6,450 , with total income tax benefit of $3,267 and $2,705 , 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 December 31, 2017 , unrecognized compensation expense related to non-vested awards aggregated to $31,356 and is expected to be recognized in future periods as follows: (Dollars in thousands) Stock Award Compensation Expense For the fiscal year remainder: 2018 $ 8,364 2019 13,071 2020 7,908 2021 2,013 Total $ 31,356 The following table presents the status and changes in restricted stock units for the periods indicated : Restricted Stock Units Weighted-Average Grant-Date Fair Value Non-vested balance at June 30, 2016 1,059,726 $ 22.53 Granted 843,611 21.13 Vested (570,764 ) 20.86 Canceled (92,251 ) 20.26 Non-vested balance at June 30, 2017 1,240,322 $ 22.52 Granted 683,691 26.09 Vested (328,943 ) 21.43 Canceled (40,876 ) 22.62 Non-vested balance at December 31, 2017 1,554,194 $ 24.32 The total fair value of shares vested for the three and six months ended December 31, 2017 was $3,081 and $8,726 . The total fair value of shares vested for the three and six months ended December 31, 2016 was $2,293 and $5,289 .

EARNINGS PER SHARE ("EPS")

EARNINGS PER SHARE ("EPS")	6 Months Ended
	Dec. 31, 2017
Earnings Per Share [Abstract]
EARNINGS PER SHARE (EPS)	EARNINGS PER SHARE (“EPS”) Basic EPS excludes dilution and is computed by dividing net income or loss available to common shareholders by the weighted average number of common shares outstanding for the period. Diluted EPS reflects the potential dilution that could occur if stock options or other contracts to issue common stock were exercised or converted to common stock that would then share in the Company’s earnings. The following table presents the calculation of basic and diluted EPS: Three Months Ended Six Months Ended December 31, December 31, (Dollars in thousands, except per share data) 2017 2016 2017 2016 Earnings Per Common Share Net income $ 31,658 $ 32,300 $ 64,041 $ 61,197 Preferred stock dividends (78 ) (78 ) (155 ) (155 ) Net income attributable to common shareholders $ 31,580 $ 32,222 $ 63,886 $ 61,042 Average common shares outstanding 63,487,698 63,341,437 63,557,105 63,312,805 Average unvested RSUs 1,496,635 1,520,103 1,457,599 1,412,167 Total basic weighted-average number of shares outstanding 64,984,333 64,861,540 65,014,704 64,724,972 Total dilutive weighted-average number of shares outstanding 64,984,333 64,861,540 65,014,704 64,724,972 Basic earnings per common share $ 0.49 $ 0.50 $ 0.98 $ 0.94 Diluted earnings per common share $ 0.49 $ 0.50 $ 0.98 $ 0.94

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	6 Months Ended
	Dec. 31, 2017
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENCIES	COMMITMENTS AND CONTINGENCIES 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 December 31, 2017 , the Company had commitments to originate $149,667 in fixed rate loans and leases and $421,062 in variable rate loans, totaling an aggregate outstanding principal balance of $570,729 . Our fixed rate loan and lease commitments to originate had rates ranging from 2.88% to 7.66% . At December 31, 2017 , the Company also had commitments to sell $99,981 in fixed rate loans and $3,335 in variable rate loans, totaling an aggregate outstanding principal balance of $103,316 . 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. Litigation. On October 15, 2015, the Company, its Chief Executive Officer and its Chief Financial Officer were named defendants in a putative class action lawsuit styled Golden v. BofI Holding, Inc., et al , and brought in United States District Court for the Southern District of California (the “Golden Case”). On November 3, 2015, the Company, its Chief Executive Officer and its Chief Financial Officer were named defendants in a second putative class action lawsuit styled Hazan v. BofI Holding, Inc., et al , and also brought in the United States District Court for the Southern District of California (the “Hazan Case”). On February 1, 2016, the Golden Case and the Hazan Case were consolidated as In re BofI Holding, Inc. Securities Litigation , Case #: 3:15-cv-02324-GPC-KSC (the “First Class Action”), and the Houston Municipal Employees Pension System was appointed lead plaintiff. The First Class Action complaint was amended by a certain Consolidated Amended Class Complaint filed on April 11, 2016. On September 27, 2016, the Court dismissed the First Class Action, with leave to amend, as to defendants Andrew Micheletti, Paul Grinberg, Nicholas Mosich and James Argalas. The Court denied the Motion to Dismiss with respect to the Company and Gregory Garrabrants. On November 25, 2016, the putative class action plaintiff filed a Second Amended Class Action Complaint (the “Second Amended Complaint”), which includes the previously dismissed defendants. On December 23, 2016, the Company and other defendants filed a motion to dismiss such Second Amended Complaint. On May 23, 2017, the Court granted in part and denied in part the defendants; motion to dismiss the Second Amended Complaint. On September 28, 2017, the Company and other defendants filed a motion for judgment on the pleadings, which is currently pending. On December 1, 2017, the Court granted the motion to dismiss with leave. On December 22, 2017, the putative class action plaintiff filed a Third Amended Class Action Complaint (the “Third Amended Complaint”). On January 19, 2018, the Company and other defendants filed a motion to dismiss such Third Amended Complaint. The First Class Action seeks monetary damages and other relief on behalf of a putative class that has not been certified by the Court. The Second and Third Amended Complaints allege that the Company and other named defendants violated Sections 10(b) and 20(a) of the Securities Exchange Act of 1934, and Rule 10b-5 promulgated thereunder, by failing to disclose wrongful conduct that was alleged in a complaint filed in connection with a wrongful termination of employment lawsuit filed on October 13, 2015 (the “Employment Matter”) and that as a result the Company’s statements regarding its internal controls, as well as portions of its financial statements, were false and misleading. The Company and the other defendants named in the Employment Matter dispute the allegations of wrongdoing advanced by the plaintiff in that case, including plaintiff’s statement of the underlying factual circumstances, and are vigorously defending against the complaint filed in connection therewith. Moreover, the Company and the other named defendants dispute the allegations advanced by the plaintiffs in the First Class Action and are vigorously defending against the Third Amended Complaint. On April 3, 2017, the Company, its Chief Executive Officer and its Chief Financial Officer were named defendants in a putative class action lawsuit styled Mandalevy v. BofI Holding, Inc., et al , and brought in United States District Court for the Southern District of California (the “Mandalevy Case”). The Mandalevy Case seeks monetary damages and other relief on behalf of a putative class that has not been certified by the Court. The complaint in the Mandalevy Case (the “Mandalevy Complaint”) alleges a class period that differs from that alleged in the First Class Action, and that the Company and other named defendants violated Sections 10(b) and 20(a) of the Securities Exchange Act of 1934, and Rule 10b-5 promulgated thereunder, by failing to disclose wrongful conduct that was alleged in a March 2017 media article . The Mandalevy Case has not been consolidated into the First Class Action. On June 2, 2017, lead plaintiff motions were filed on behalf of three members of the putative class and on July 17, 2017, the Company and other defendants filed an opposition to such motions. The Company and the other named defendants dispute the allegations advanced by the plaintiffs in the Mandalevy Case, and are vigorously defending against the Mandalevy Complaint. The complaints filed in the Golden Case, the Hazan Case, and the Mandalevy Case allege that the defendants violated Sections 10(b) and 20(a) of the Securities Exchange Act of 1934, and Rule 10b-5 promulgated thereunder, by failing to disclose the wrongful conduct that is alleged in a complaint that was filed in a wrongful termination of employment lawsuit (the “Employment Matter”), and that as a result the Company’s statements regarding its internal controls, as well as portions of its financial statements, were false and misleading. The Company and the other named defendants dispute the allegations of wrongdoing advanced by the plaintiffs in the Class Action, the Mandalevy Case, and in the Employment Matter, as well as those plaintiffs’ statement of the underlying factual circumstances, and are vigorously defending each case. In addition to the First Class Action and the Mandalevy Case, two separate shareholder derivative actions were filed in December, 2015, purportedly on behalf of the Company. The first derivative action, Calcaterra v. Garrabrants, et al , was filed in the United States District Court for the Southern District of California on December 3, 2015. The second derivative action, Dow v. Micheletti, et al , was filed in the San Diego County Superior Court on December 16, 2015. A third derivative action, DeYoung v. Garrabrants, et al , was filed in the United States District Court for the Southern District of California on January 22, 2016, a fourth derivative action, Yong v. Garrabrants, et al , was filed in the United States District Court for the Southern District of California on January 29, 2016, a fifth derivative action, Laborers Pension Trust Fund of Northern Nevada v. Allrich et al , was filed in the United States District Court for the Southern District of California on February 2, 2016, and a sixth derivative action, Garner v. Garrabrants, et al , was filed in the San Diego County Superior Court on August 10, 2017. Each of these six derivative actions names the Company as a nominal defendant, and certain of its officers and directors as defendants. Each complaint sets forth allegations of breaches of fiduciary duties, gross mismanagement, abuse of control, and unjust enrichment against the defendant officers and directors. The plaintiffs in these derivative actions seek damages in unspecified amounts on the Company’s behalf from the officer and director defendants, certain corporate governance actions, and an award of their costs and attorney’s fees. The United States District Court for the Southern District of California ordered the five above-referenced cases pending before it to be consolidated, appointed lead counsel in the consolidated action, and ordered the parties to meet and confer regarding a schedule for the filing of a consolidated complaint and defendants’ response to the complaint. Pursuant to the order, counsel have met and conferred regarding proposals for (a) the time for plaintiffs to file a consolidated complaint or provide notice of plaintiffs’ intent to rely upon the original Complaint in Case No. 3:15-cv-02722-GPC-KSC (the “Operative Complaint”); (b) the time for defendants to respond to the Operative Complaint; and (c) a schedule for briefing any motion to dismiss that may be filed by a defendant. A stipulation setting forth the agreed litigation schedule has been submitted to the Court. On April 10, 2017, the plaintiffs filed an amended complaint (the “Amended Operative Complaint”). The two derivative actions pending before the San Diego County Superior Court have been consolidated and have been stayed by agreement of the parties.

RELATED PARTY TRANSACTIONS

RELATED PARTY TRANSACTIONS	6 Months Ended
	Dec. 31, 2017
Related Party Transactions [Abstract]
RELATED PARTY TRANSACTIONS	RELATED PARTY TRANSACTIONS In the ordinary course of business, the Company has granted related party loans collateralized by real property to principal officers, directors and their affiliates that are considered to be insiders by regulation. There were no new related party loans granted under the provisions of the employee loan program and no refinances of existing loans during the six months ended December 31, 2017 , and no new loans and no refinances of existing loans during the six months ended December 31, 2016 . One of the existing related party loans had a rate modification and term extension, but no change in amount of credit extended during the six months ended December 31, 2016 .

SIGNIFICANT ACCOUNTING POLICI19

SIGNIFICANT ACCOUNTING POLICIES (Policies)	6 Months Ended
	Dec. 31, 2017
Accounting Policies [Abstract]
Consolidation	The condensed consolidated financial statements include the accounts of BofI Holding, Inc. and its wholly owned subsidiary, BofI Federal Bank (the “Bank” and collectively with BofI Holding, Inc., the “Company”). All significant intercompany balances and transactions have been eliminated in consolidation.
Reclassifications	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.
Basis of Presentation	The accompanying interim condensed consolidated financial statements, presented in accordance with accounting principles generally accepted in the United States of America (“GAAP”), are unaudited and reflect all adjustments which, in the opinion of management, are necessary for a fair statement of financial condition and results of operations for the interim periods. All adjustments are of a normal and recurring nature. Results for the six months ended December 31, 2017 are not necessarily indicative of results that may be expected for any other interim period or for the year as a whole. Certain information and note disclosures normally included in the audited annual financial statements prepared in accordance with GAAP have been condensed or omitted pursuant to the rules and regulations of the Securities and Exchange Commission (“SEC”) with respect to interim financial reporting. The accompanying unaudited condensed consolidated financial statements should be read in conjunction with the audited consolidated financial statements and accompanying notes for the year ended June 30, 2017 included in our Annual Report on Form 10-K.
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 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 or it 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 and Leases	Loans and Leases . Loans and leases 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 origination fees and costs, and an allowance for loan and lease losses. Interest income is accrued on the unpaid principal balance. Premiums and discounts on loans purchased as well as origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level-yield method. The Company provides equipment financing to its customers through a variety of lease arrangements. The most common arrangement is a direct financing (capital) lease. For direct financing leases, lease receivables are recorded on the balance sheet but the leased property is not, although the Company generally retains legal title to the leased property until the end of each lease. Direct financing leases are stated at the net amount of minimum lease payments receivable, plus any unguaranteed residual value, less the amount of unearned income and net acquisition discount at the reporting date. Direct lease origination costs are amortized over the weighted average life of the lease portfolio. Leases acquired in an acquisition are initially measured and recorded at their fair value on the acquisition date. Purchase discounts or premiums on acquired leases are recognized as an adjustment to interest income over the contractual life of the leases using the effective interest method or taken into income when the related leases are paid off. Direct financing leases are subject to the allowance for loan and lease losses. Recognition of interest income on all portfolio segments is generally discontinued at the time the loan or lease is 90 days delinquent unless the loan or lease is well secured and in process of collection. Past due status is based on the contractual terms of the loan or lease. In all cases, loans or leases 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 or leases placed on nonaccrual, is reversed against interest income. Interest received on such loans or leases is accounted for on the cash-basis or cost recovery method, until qualifying for return to accrual. Loans and leases 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 are 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 on an individual loan by loan basis. 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 and Lease Losses	Allowance for Loan and Lease Losses. The allowance for loan and lease losses is maintained at a level estimated to provide for probable incurred losses in the loan and lease portfolio. Management determines the adequacy of the allowance based on reviews of individual loans and leases 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 and lease 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.
New Accounting Pronouncements	New Accounting Pronouncements. In March 2016, the FASB issued ASU 2016-09 Improvements to Employee Share-Based Payment Accounting (“ASU 2016-09”), which simplifies several areas of accounting for share-based payment transactions, including tax provision, classification in the cash-flow statement, forfeitures, and statutory tax withholding requirements. Under ASU 2016-09, all excess tax benefits and tax deficiencies related to share-based payment awards should be recognized as income tax expense or benefit in the income statement during the period in which they occur. Previously, such amounts were recorded in the pool of excess tax benefits included in additional paid-in capital, if such pool was available. Because excess tax benefits are no longer recognized in additional paid-in capital, the assumed proceeds from applying the treasury stock method when computing earnings per share should exclude the amount of excess tax benefits that would have previously been recognized in additional paid-in capital. Additionally, excess tax benefits should be classified along with other income tax cash flows as an operating activity rather than a financing activity, as was previously the case. ASU 2016-09 also provides that an entity can make an entity-wide accounting policy election to either estimate the number of awards that are expected to vest or account for forfeitures when they occur. ASU 2016-09 changes the threshold to qualify for equity classification (rather than as a liability) to permit withholding up to the maximum statutory tax rates in the applicable jurisdictions. The adoption at July 1, 2017 of ASU 2016-09 did not have a significant impact on our financial position, results of operations or cash flows. In May 2014, FASB issued Accounting Standards Update (ASU) 2014-09, Revenue from Contracts with Customers (Topic 606). Public entities are required to adopt the revenue recognition standard for reporting periods beginning after December 15, 2017. The core principle of Topic 606 is that an entity should recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. The standard affects all entities that either enter into contracts with customers to transfer goods or services or enters into contracts for the transfer of nonfinancial assets unless those contracts are within the scope of other standards. Therefore, the ASU excludes revenue associated with financial instruments including loans, leases, securities, and derivatives as these topics are accounted for using other standards. Other areas that are within the scope of the standard include service charges on deposit accounts, and gains and losses on other real estate owned. The Company has formed a working group to guide implementation efforts including the identification of revenue within the scope of the guidance, as well as the evaluation of revenue contracts and the respective performance obligations within those contracts. While the Company has not identified any material changes related to the timing or amount of revenue recognition, the Company will continue to evaluate disaggregation for significant categories of revenue in the scope of the guidance and the need for additional disclosures. Adoption is not anticipated to have a material impact on the Company’s financial statements. In February 2016, the FASB issued ASU No. 2016-02 (“ASU 2016-02”), Leases. The new standard establishes a right-of-use model that requires a lessee to record a right of use asset and a lease liability on the balance sheet for all leases with terms longer than 12 months . Leases will be classified as either finance or operating, with classification affecting the pattern of expense recognition in the income statement. ASU 2016-02 is effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. A modified retrospective transition approach is required for lessees for capital and operating leases existing at, or entered into after, the beginning of the earliest comparative period presented in the financial statements, with certain practical expedients available. The Company continues to evaluate the impact of ASU 2016-02e, including determining whether other contracts exist that are deemed to be in scope. As such, no conclusions have yet been reached regarding the potential impact on adoption of ASU 2016-02 on the Company’s financial statements and regulatory capital and risk-weighted assets; however, the Company does not expect the amendment to have a material impact on its results of operations. In June 2016, the FASB issued ASU 2016-13 Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments (“ASU 2016-13”), which (i) significantly changes the impairment model for most financial assets that are measured at amortized cost and certain other instruments from an incurred loss model to an expected loss model; and (ii) provides for recording credit losses on available-for-sale debt securities through an allowance account. ASU 2016-13 also requires certain incremental disclosures. ASU 2016-13 should be applied on a modified-retrospective transition approach that would require a cumulative-effect adjustment to the opening retained earnings in the statement of financial condition as of the date of adoption. A prospective transition approach is required for debt securities for which an other-than-temporary impairment had been recognized before the effective date. The guidance will be effective for the Company’s financial statements that include periods beginning July 1, 2020. Early adoption is permitted beginning July 1, 2019. The Company has formed a working group, which is currently developing an implementation plan to include assessment of processes, portfolio segmentation, model development, system requirements and the identification of data and resource needs, among other things including evaluating third-party vendor solutions. The Company expects ASU 2016-13 to have a material impact on the Company’s financial statements.
Fair Value Measurement	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. Accounting Standards Codification Topic 820, Fair Value Measurement , 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 1 assets and liabilities include debt and equity securities that are actively traded in an exchange or over-the-counter market and are highly liquid, such as, among other assets and securities, certain U.S. treasury and other U.S. government debt. 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 which case the items are classified in Level 1. 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 should be 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.
Fair Value of Financial Instruments	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, available-for-sale, and held-to-maturity . Trading securities are recorded at fair value. Available-for-sale (“AFS”) securities are recorded at fair value and consist of residential mortgage-backed securities (“RMBS”) issued by U.S. agencies, non-agencies, collateralized loan obligations, and municipals. Held-to-maturity (“HTM”) securities are recorded at amortized cost. Fair value for U.S. agency securities is 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. For each security, the Company inputs a projection of monthly default rates, loss severity rates and voluntary prepayment rates for the underlying mortgages for the remaining life of each 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 (and decreased by) the forecasted decrease or increase 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 national unemployment rate announced prior to the end of the period covered by this report (reported for November 2017) was 4.1% , down from the high of 10.0% in October 2009. Going forward, the Company is projecting lower monthly default rates. The range of loss severity rates applied to each default used in the Company’s projections at December 31, 2017 are from 40.0% up to 68.3% 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. 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 December 31, 2017 are from 1.5% up to 10.4% 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 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 December 31, 2017 , the Company computed its discount rates as a spread between 260 and 636 basis points over the interpolated swap 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 the 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. Loans held for sale at fair value are primarily single-family and multifamily residential loans. The fair value of residential loans held for sale is determined by pricing for comparable assets or by existing forward sales commitment prices with investors. 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, 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 and Repossessed Vehicles . 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 estimated 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 based upon prices in active secondary markets for identical securities or based on quoted market prices of similar assets used to form a dealer quote or a pricing matrix. If no such quoted price exists, the fair value of a commitment is determined by quoted prices for a similar commitment or commitments, adjusted for the specific attributes of each commitment. These fair values are then adjusted for items such as fallout and estimated costs to originate the loan. 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.
Credit Quality Indicators	Credit Quality Indicators The Company categorizes loans and leases 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 and leases individually by classifying the loans and leases based on credit risk. The Company uses the following definitions for risk ratings. Pass. Loans and leases 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 and leases 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 lease or of the institution’s credit position at some future date. Substandard . Loans and leases 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 and leases 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 and leases 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 and leases following a continuous review process, featuring coverage of all loan and lease 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.

FAIR VALUE (Tables)

FAIR VALUE (Tables)	6 Months Ended
	Dec. 31, 2017
Fair Value Disclosures [Abstract]
Assets and Liabilities Measured at Fair Value on Recurring Basis	The following table sets forth the Company’s financial assets and liabilities measured at fair value on a recurring basis at December 31, 2017 and June 30, 2017 . Assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement: December 31, 2017 (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 $ — $ — $ — $ — Securities—Available-for-Sale: Agency RMBS $ — $ 20,801 $ — $ 20,801 Non-Agency RMBS — — 24,791 24,791 Municipal — 23,528 — 23,528 Other Debt Securities — 122,605 — 122,605 Total—Securities—Available-for-Sale $ — $ 166,934 $ 24,791 $ 191,725 Loans Held for Sale $ — $ 24,499 $ — $ 24,499 Mortgage Servicing Rights $ — $ — $ 9,066 $ 9,066 Other assets – Derivative Instruments $ — $ — $ 1,344 $ 1,344 LIABILITIES: Other liabilities – Derivative Instruments $ — $ — $ 126 $ 126 June 30, 2017 (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 $ — $ — $ 8,327 $ 8,327 Securities—Available-for-Sale: Agency RMBS $ — $ 27,206 $ — $ 27,206 Non-Agency RMBS — — 71,503 71,503 Municipal — 27,163 — 27,163 Other Debt Securities — 138,598 — 138,598 Total—Securities—Available-for-Sale $ — $ 192,967 $ 71,503 $ 264,470 Loans Held for Sale $ — $ 18,738 $ — $ 18,738 Mortgage Servicing Rights $ — $ — $ 7,200 $ 7,200 Other assets – Derivative Instruments $ — $ — $ 1,194 $ 1,194 LIABILITIES: Other liabilities – Derivative Instruments $ — $ — $ 168 $ 168
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	The following tables present 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: For the Three Months Ended December 31, 2017 (Dollars in thousands) Securities – Trading: Collateralized Debt Obligations Securities – Available-for-Sale: Non-Agency RMBS Mortgage Servicing Rights Derivative Instruments, net Total Opening balance $ — $ 66,619 $ 8,044 $ 1,188 $ 75,851 Transfers into Level 3 — — — — — Transfers out of Level 3 — — — — — Total gains or losses for the period: Included in earnings—Sale of securities — (199 ) — — (199 ) Included in earnings—Fair value gain (loss) on trading securities — — — — — Included in earnings—Mortgage banking income — — 98 30 128 Included in other comprehensive income — 609 — — 609 Purchases, originations, issues, sales and settlements: Purchases/originations — — 924 — 924 Issues — — — — — Sales — (40,000 ) — — (40,000 ) Settlements — (2,231 ) — — (2,231 ) Other-than-temporary impairment — (7 ) — — (7 ) Closing balance $ — $ 24,791 $ 9,066 $ 1,218 $ 35,075 Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period $ — $ (199 ) $ 98 $ 30 $ (71 ) For the Six Months Ended December 31, 2017 (Dollars in thousands) Securities – Trading: Collateralized Debt Obligations Securities – Available-for-Sale: Non-Agency RMBS Mortgage Servicing Rights Derivative Instruments, net Total Opening Balance $ 8,327 $ 71,503 $ 7,200 $ 1,026 $ 88,056 Transfers into Level 3 — — — — — Transfers out of Level 3 — — — — — Total gains or losses for the period: Included in earnings—Sale of securities 282 (199 ) — — 83 Included in earnings—Fair value gain (loss) on trading securities — — — — — Included in earnings—Mortgage banking income — — 379 192 571 Included in other comprehensive income — (1,154 ) — — (1,154 ) Purchases, originations, issues, sales and settlements: Purchases/originations — — 1,487 — 1,487 Issues — — — — — Sales (8,609 ) (40,000 ) — — (48,609 ) Settlements — (5,203 ) — — (5,203 ) Other-than-temporary impairment — (156 ) — — (156 ) Closing balance $ — $ 24,791 $ 9,066 $ 1,218 $ 35,075 Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period $ — $ (199 ) $ 379 $ 192 $ 372 For the Three Months Ended December 31, 2016 (Dollars in thousands) Securities – Trading: Collateralized Debt Obligations Securities – Available-for-Sale: Non-Agency RMBS Mortgage Servicing Rights Derivative Instruments, net Total Opening balance $ 7,695 $ 133,169 $ 4,855 $ 2,186 $ 147,905 Transfers into Level 3 — — — — — Transfers out of Level 3 — — — — — Total gains or losses for the period: Included in earnings—Sale of securities — (2,569 ) — — (2,569 ) Included in earnings—Fair value gain on trading securities 456 — — — 456 Included in earnings—Mortgage banking income — — 585 65 650 Included in other comprehensive income — 1,780 — — 1,780 Purchases, originations, issues, sales and settlements: Purchases/originations — — 710 — 710 Issues — — — — — Sales — (44,210 ) — — (44,210 ) Settlements — (4,594 ) — — (4,594 ) Other-than-temporary impairment — (1,350 ) — — (1,350 ) Closing balance $ 8,151 $ 82,226 $ 6,150 $ 2,251 $ 98,778 Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period $ 456 $ (2,569 ) $ 585 $ 65 $ (1,463 ) For the Six Months Ended December 31, 2016 (Dollars in thousands) Securities – Trading: Collateralized Debt Obligations Securities – Available-for-Sale: Non-Agency RMBS Mortgage Servicing Rights Derivative Instruments, net Total Opening Balance $ 7,584 $ 9,364 $ 3,943 $ 1,318 $ 22,209 Transfers into Level 3 — 124,547 — — 124,547 Transfers out of Level 3 — — — — — Total gains or losses for the period: Included in earnings—Sale of securities — (1,868 ) — — (1,868 ) Included in earnings—Fair value gain (loss) on trading securities 567 — — — 567 Included in earnings—Mortgage banking income — — 364 933 1,297 Included in other comprehensive income — 9,314 — — 9,314 Purchases, originations, issues, sales and settlements: Purchases/originations — — 1,843 — 1,843 Issues — — — — — Sales — (50,609 ) — — (50,609 ) Settlements — (7,052 ) — — (7,052 ) Other-than-temporary impairment — (1,470 ) — — (1,470 ) Closing balance $ 8,151 $ 82,226 $ 6,150 $ 2,251 $ 98,778 Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period $ 567 $ (1,868 ) $ 364 $ 933 $ (4 )
Changes in Unrealized Gains and Losses and Interest Income Recorded in Earnings for Level 3 Trading Assets and Liabilities	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: For the Three Months Ended For the Six Months Ended December 31, December 31, (Dollars in thousands) 2017 2016 2017 2016 Interest income on investments $ — $ 70 $ — $ 143 Fair value adjustment — 456 — 567 Total $ — $ 526 $ — $ 710
Fair Value Assets Measured on Nonrecurring Basis	The table below summarizes assets measured for impairment on a non-recurring basis: December 31, 2017 (Dollars in thousands) Quoted Prices in Significant Other Significant Balance Impaired Loans: Single family real estate secured: Mortgage $ — $ — $ 26,671 $ 26,671 Home equity — — 16 16 Multifamily real estate secured — — 3,000 3,000 Auto and RV secured — — 152 152 Other — — 150 150 Total $ — $ — $ 29,989 $ 29,989 Other real estate owned and foreclosed assets: Single family real estate $ — $ — $ 8,613 $ 8,613 Autos and RVs — — 195 195 Total $ — $ — $ 8,808 $ 8,808 June 30, 2017 (Dollars in thousands) Quoted Prices in Significant Other Significant Balance Impaired Loans: Single family real estate secured: Mortgage $ — $ — $ 23,377 $ 23,377 Home equity — — 16 16 Multifamily real estate secured — — 4,255 4,255 Auto and RV secured — — 157 157 Commercial & Industrial — — 314 314 Other — — 274 274 Total $ — $ — $ 28,393 $ 28,393 Other real estate owned and foreclosed assets: Single family real estate $ — $ — $ 1,353 $ 1,353 Autos and RVs — — 60 60 Total $ — $ — $ 1,413 $ 1,413
Aggregate Fair Value, Contractual Balance, and Gains	As of December 31, 2017 and June 30, 2017 , the aggregate fair value, contractual balance (including accrued interest), and unrealized gain was as follows: (Dollars in thousands) December 31, 2017 June 30, 2017 Aggregate fair value $ 24,499 $ 18,738 Contractual balance 23,983 18,311 Unrealized gain $ 516 $ 427 The total amount of unrealized gains and losses from changes in fair value included in earnings for the period indicated below for loans held for sale were: For the Three Months Ended For the Six Months Ended December 31, December 31, (Dollars in thousands) 2017 2016 2017 2016 Interest income $ 225 $ 192 $ 372 $ 329 Change in fair value 81 99 282 1,046 Total $ 306 $ 291 $ 654 $ 1,375
Quantitative Information About Level 3 Fair Value Measurements	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: December 31, 2017 (Dollars in thousands) Fair Value Valuation Technique(s) Unobservable Input Range (Weighted Average) 1 Impaired loans: Single family real estate secured: Mortgage $ 26,671 Sales comparison approach Adjustment for differences between the comparable sales -45.1 to 62.9% (1.6%) Home equity $ 16 Sales comparison approach Adjustment for differences between the comparable sales -52.0 to 7.4% (-6.7%) Multifamily real estate secured $ 3,000 Sales comparison approach, income approach, Discounted cash flows Adjustment for differences between the comparable sales and adjustments for differences in net operating income expectations -32.1 to 48.7% (-12.2%) Auto and RV secured $ 152 Sales comparison approach Adjustment for differences between the comparable sales -21.6 to 71.5% (14.5%) Other $ 150 Discounted cash flow Projected Constant Prepayment Rate, Projected Constant Default Rate, Projected Loss Severity, Discount Rate 0.0 to 0.0% (0.0%) Other real estate owned and foreclosed assets: Single family real estate $ 8,613 Sales comparison approach Adjustment for differences between the comparable sales -21.4 to 31.6% (-1.3%) Autos and RVs $ 195 Sales comparison approach Adjustment for differences between the comparable sales -20.0 to 74.2% (8.0%) 1 For impaired loans, other real estate owned and foreclosed assets 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, 2017 (Dollars in thousands) Fair Value Valuation Technique(s) Unobservable Input Range (Weighted Average) 1 Impaired loans: Single family real estate secured: Mortgage $ 23,377 Sales comparison approach Adjustment for differences between the comparable sales -38.5 to 79.8% (6.4%) Home equity $ 16 Sales comparison approach Adjustment for differences between the comparable sales -6.1 to 26.1% (7.8%) Multifamily real estate secured $ 4,255 Sales comparison approach and income approach Adjustment for differences between the comparable sales and adjustments for differences in net operating income expectations, capitalization rate -24.2 to 48.7% (2.4%) Auto and RV secured $ 157 Sales comparison approach Adjustment for differences between the comparable sales -17.2 to 42.4% (-5.5%) Commercial and Industrial $ 314 Discounted cash flow Discount Rate 34.8 to 34.8% (34.8%) Other $ 274 Discounted cash flow Projected Constant Prepayment Rate, 0.0 to 0.0% (0.0%) 0.0 to 10.0% (5.0%) 100.0 to 100.0% (100.0%) 4.5 to 5.2% (4.9%) Other real estate owned and foreclosed assets: Single family real estate $ 1,353 Sales comparison approach Adjustment for differences between the comparable sales -10.5 to 12.5% (0.1%) Autos and RVs $ 60 Sales comparison approach Adjustment for differences between the comparable sales -17.0 to 20.5% (6.2%) 1 For impaired loans, other real estate owned and foreclosed assets 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. The table below summarizes the quantitative information about level 3 fair value measurements at the periods indicated: December 31, 2017 (Dollars in thousands) Fair Value Valuation Technique Unobservable Input Range (Weighted Average) Securities – Available-for-Sale: Non-agency RMBS $ 24,791 Discounted Cash Flow Projected Constant Prepayment Rate, 2.5 to 18.3% (12.5%) 1.5 to 10.4% (5.0%) Mortgage Servicing Rights $ 9,066 Discounted Cash Flow Projected Constant Prepayment Rate, 5.1 to 28.4% (9.8%) 2.5 to 9.4 (6.6) Derivative Instruments, net $ 1,218 Sales Comparison Approach Projected Sales Profit of Underlying Loans 0.3 to 0.6% (0.5%) June 30, 2017 (Dollars in thousands) Fair Value Valuation Technique Unobservable Input Range (Weighted Average) Securities – Trading: $ 8,327 Discounted Cash Flow Total Projected Defaults, 12.2 to 21.8% (16.8%) Securities – Available-for-Sale: $ 71,503 Discounted Cash Flow Projected Constant Prepayment Rate, 2.5 to 23.4% (12.5%) 1.5 to 18.9% (5.3%) Mortgage Servicing Rights $ 7,200 Discounted Cash Flow Projected Constant Prepayment Rate, 6.3 to 26.9% (9.5%) 2.5 to 7.8 (6.6) Derivative Instruments, net $ 1,026 Sales Comparison Approach Projected Sales Profit of Underlying Loans 0.3 to 0.6% (0.5%)
Carrying Amounts and Estimated Fair Values of Financial Instruments at Period-end	The carrying amounts and estimated fair values of financial instruments at December 31, 2017 and June 30, 2017 were as follows: December 31, 2017 Fair Value (Dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Fair Value Financial assets: Cash and cash equivalents $ 618,089 $ 618,089 $ — $ — $ 618,089 Securities available-for-sale 191,725 — 166,934 24,791 191,725 Loans held for sale, at fair value 24,499 — 24,499 — 24,499 Loans held for sale, at lower of cost or fair value 7,067 — — 7,249 7,249 Loans and leases held for investment—net 7,874,431 — — 7,974,013 7,974,013 Accrued interest receivable 26,053 — — 26,053 26,053 Mortgage servicing rights 9,066 — — 9,066 9,066 Financial liabilities: Time deposits and savings 7,393,233 — 7,065,220 — 7,065,220 Advances from the Federal Home Loan Bank 543,000 — 544,483 — 544,483 Subordinated notes and debentures and other 54,503 — 52,599 — 52,599 Accrued interest payable 1,517 — 1,517 — 1,517 June 30, 2017 Fair Value (Dollars in thousands) Carrying Level 1 Level 2 Level 3 Total Fair Value Financial assets: Cash and cash equivalents $ 643,541 $ 643,541 $ — $ — $ 643,541 Securities trading 8,327 — — 8,327 8,327 Securities available-for-sale 264,470 — 192,967 71,503 264,470 Loans held for sale, at fair value 18,738 — 18,738 — 18,738 Loans held for sale, at lower of cost or fair value 6,669 — — 7,328 7,328 Loans and leases held for investment—net 7,374,493 — — 7,521,281 7,521,281 Accrued interest receivable 20,781 — — 20,781 20,781 Mortgage servicing rights 7,200 — — 7,200 7,200 Financial liabilities: Time deposits and savings 6,899,507 — 6,544,056 — 6,544,056 Securities sold under agreements to repurchase 20,000 — 20,152 — 20,152 Advances from the Federal Home Loan Bank 640,000 — 645,339 — 645,339 Subordinated notes and debentures and other 54,463 — 52,930 — 52,930 Accrued interest payable 1,284 — 1,284 — 1,284

SECURITIES (Tables)

SECURITIES (Tables)	6 Months Ended
	Dec. 31, 2017
Investments, Debt and Equity Securities [Abstract]
Marketable Securities	The amortized cost, carrying amount and fair value for the major categories of securities: trading and available-for-sale at December 31, 2017 and June 30, 2017 were: December 31, 2017 Trading Available-for-sale (Dollars in thousands) Fair Value Amortized Cost Unrealized Gains Unrealized Losses Fair Value Mortgage-backed securities (RMBS): U.S. agencies 1 $ — $ 20,948 $ 253 $ (400 ) $ 20,801 Non-agency 2 — 25,983 200 (1,392 ) 24,791 Total mortgage-backed securities — 46,931 453 (1,792 ) 45,592 Other debt securities: Municipal — 24,085 2 (559 ) 23,528 Non-agency — 120,022 2,606 (23 ) 122,605 Total other debt securities — 144,107 2,608 (582 ) 146,133 Total debt securities $ — $ 191,038 $ 3,061 $ (2,374 ) $ 191,725 June 30, 2017 Trading Available-for-sale (Dollars in thousands) Fair Value Amortized Cost Unrealized Gains Unrealized Losses Fair Value Mortgage-backed securities (RMBS): U.S. agencies 1 $ — $ 27,379 $ 286 $ (459 ) $ 27,206 Non-agency 2 — 65,401 7,406 (1,304 ) 71,503 Total mortgage-backed securities — 92,780 7,692 (1,763 ) 98,709 Other debt securities: Municipal — 27,568 19 (424 ) 27,163 Non-agency 8,327 137,172 1,517 (91 ) 138,598 Total other debt securities 8,327 164,740 1,536 (515 ) 165,761 Total debt securities $ 8,327 $ 257,520 $ 9,228 $ (2,278 ) $ 264,470 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: December 31, 2017 Available-for-sale securities in loss position for 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 RMBS: U.S. agencies $ 2 $ — $ 13,788 $ (400 ) $ 13,790 $ (400 ) Non-agency 1,635 (63 ) 20,034 (1,329 ) 21,669 (1,392 ) Total RMBS securities 1,637 (63 ) 33,822 (1,729 ) 35,459 (1,792 ) Other Debt: Municipal Debt 2,273 (10 ) 12,499 (549 ) 14,772 (559 ) Non-agency 995 (6 ) 6,704 (17 ) 7,699 (23 ) Total Other Debt 3,268 (16 ) 19,203 (566 ) 22,471 (582 ) Total debt securities $ 4,905 $ (79 ) $ 53,025 $ (2,295 ) $ 57,930 $ (2,374 ) June 30, 2017 Available-for-sale securities in loss position for 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 RMBS: U.S. agencies $ 17,161 $ (374 ) $ 2,348 $ (85 ) $ 19,509 $ (459 ) Non-agency 2,487 (16 ) 25,097 (1,288 ) 27,584 (1,304 ) Total RMBS securities 19,648 (390 ) 27,445 (1,373 ) 47,093 (1,763 ) Other Debt: Municipal Debt 13,431 (420 ) 1,757 (4 ) 15,188 (424 ) Non-agency 27,750 (91 ) — — 27,750 (91 ) Total Other Debt 41,181 (511 ) 1,757 (4 ) 42,938 (515 ) Total debt securities $ 60,829 $ (901 ) $ 29,202 $ (1,377 ) $ 90,031 $ (2,278 )
Other than Temporary Impairment, Credit Losses Recognized in Earnings	The following table summarizes amounts of credit loss recognized in the income statement through other-than-temporary impairment charges which reduced non-interest income: For the Three Months Ended For the Six Months Ended December 31, December 31, (Dollars in thousands) 2017 2016 2017 2016 Beginning balance $ (15,677 ) $ (20,611 ) $ (15,528 ) $ (20,865 ) Additions for the amounts related to credit loss for which an other-than-temporary impairment was not previously recognized (7 ) — (7 ) — Increases to the amount related to the credit loss for which other-than-temporary impairment was previously recognized — (1,350 ) (149 ) (1,470 ) Credit losses realized for securities sold 15,574 5,330 15,574 5,704 Ending balance $ (110 ) $ (16,631 ) $ (110 ) $ (16,631 )
Schedule of Realized Gain (Loss)	The gross gains and losses realized through earnings upon the sale of available-for-sale securities were as follows: For the Three Months Ended For the Six Months Ended December 31, December 31, (Dollars in thousands) 2017 2016 2017 2016 Proceeds $ 40,045 $ 95,386 $ 40,045 $ 121,061 Gross realized gains 1,107 5,089 1,107 6,079 Gross realized losses (1,306 ) (3,467 ) (1,306 ) (3,467 ) Net realized gain on securities $ (199 ) $ 1,622 $ (199 ) $ 2,612
Unrealized Gain (Loss) on Investments	The Company had recorded unrealized gains and unrealized losses in accumulated other comprehensive loss as follows: (Dollars in thousands) December 31, June 30, Available-for-sale debt securities—net unrealized gains $ 687 $ 6,949 Available-for-sale debt securities—non-credit related losses (173 ) (6,115 ) Subtotal 514 834 Tax (expense) benefit (148 ) (347 ) Net unrealized gain (loss) on investment securities in accumulated other comprehensive income (loss) $ 366 $ 487
Investments Classified by Contractual Maturity Date	The expected maturity distribution including repayments of the Company’s mortgage-backed securities and other debt securities classified as available-for-sale at December 31, 2017 were: December 31, 2017 Available for sale (Dollars in thousands) Amortized Cost Fair Value RMBS—U.S. agencies 1 : Due within one year $ 1,199 $ 1,186 Due one to five years 4,150 4,124 Due five to ten years 4,138 4,145 Due after ten years 11,461 11,346 Total RMBS—U.S. agencies 1 20,948 20,801 RMBS—Non-agency: Due within one year 3,912 3,771 Due one to five years 12,201 11,677 Due five to ten years 7,317 6,932 Due after ten years 2,553 2,411 Total RMBS—Non-agency 25,983 24,791 Other debt: Due within one year 41,846 43,122 Due one to five years 88,431 89,733 Due five to ten years — — Due after ten years 13,830 13,278 Total other debt 144,107 146,133 Total $ 191,038 $ 191,725 1 Residential mortgage-backed security (RMBS) distributions include impact of expected prepayments and other timing factors.

LOANS, LEASES & ALLOWANCE FOR22

LOANS, LEASES & ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)	6 Months Ended
	Dec. 31, 2017
Receivables [Abstract]
Composition of the Loan and Lease Portfolio	The following table sets forth the composition of the loan and lease portfolio as of the dates indicated: (Dollars in thousands) December 31, 2017 June 30, 2017 Single family real estate secured: Mortgage $ 3,981,075 $ 3,901,754 Home equity 2,487 2,092 Warehouse and other 1 495,669 452,390 Multifamily real estate secured 1,698,450 1,619,404 Commercial real estate secured 176,147 162,715 Auto and RV secured 189,557 154,246 Factoring 194,252 160,674 Commercial & Industrial 1,151,904 992,232 Other 79,522 3,754 Total gross loans and leases 7,969,063 7,449,261 Allowance for loan and lease losses (45,606 ) (40,832 ) Unaccreted discounts and loan and lease fees (49,026 ) (33,936 ) Total net loans and leases $ 7,874,431 $ 7,374,493 1 The balance of single family warehouse loans was $190,357 at December 31, 2017 and $187,034 at June 30, 2017 . The remainder of the balance was attributable to single family real estate secured commercial specialty and lender finance loans.
Activity in the Allowance for Loan and Lease Losses by Portfolio Class	The following tables summarize activity in the allowance for loan and lease losses by portfolio classes for the periods indicated: For the Three Months Ended December 31, 2017 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Equity Warehouse & Other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Balance at October 1, 2017 $ 19,815 $ 20 $ 3,132 $ 4,838 $ 914 $ 2,958 $ 462 $ 9,614 $ 346 $ 42,099 Provision for loan and lease loss (83 ) (4 ) (349 ) (8 ) (109 ) 104 19 1,876 2,554 4,000 Charge-offs (11 ) — (287 ) — — (191 ) — — (153 ) (642 ) Recoveries — 4 — — — 36 — — 109 149 Balance at December 31, 2017 $ 19,721 $ 20 $ 2,496 $ 4,830 $ 805 $ 2,907 $ 481 $ 11,490 $ 2,856 $ 45,606 For the Three Months Ended December 31, 2016 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Equity Warehouse & Other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Balance at October 1, 2016 $ 19,483 $ 22 $ 2,554 $ 3,922 $ 917 $ 1,914 $ 294 $ 8,411 $ 79 $ 37,596 Provision for loan and lease loss 601 (16 ) (375 ) (9 ) 84 123 45 1,353 2,294 4,100 Charge-offs (841 ) — — — — (66 ) — — (31 ) (938 ) Recoveries — 16 — — — 46 — — 108 170 Balance at December 31, 2016 $ 19,243 $ 22 $ 2,179 $ 3,913 $ 1,001 $ 2,017 $ 339 $ 9,764 $ 2,450 $ 40,928 For the Six Months Ended December 31, 2017 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Equity Warehouse & Other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Balance at July 1, 2017 $ 19,972 $ 19 $ 2,298 $ 4,638 $ 1,008 $ 2,379 $ 401 $ 9,881 $ 236 $ 40,832 Provision for loan and lease loss (159 ) (6 ) 485 192 (203 ) 729 80 1,609 2,273 5,000 Charge-offs (96 ) (287 ) — — (339 ) — — (154 ) (876 ) Recoveries 4 7 — — — 138 — — 501 650 Balance at December 31, 2017 $ 19,721 $ 20 $ 2,496 $ 4,830 $ 805 $ 2,907 $ 481 $ 11,490 $ 2,856 $ 45,606 For the Six Months Ended December 31, 2016 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Equity Warehouse & Other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Balance at July 1, 2016 $ 18,666 $ 23 $ 2,685 $ 3,938 $ 882 $ 1,615 $ 245 $ 7,630 $ 142 $ 35,826 Provision for loan and lease loss 1,400 (21 ) (506 ) (25 ) 142 449 94 2,134 2,333 6,000 Charge-offs (868 ) — — — (23 ) (139 ) — — (133 ) (1,163 ) Recoveries 45 20 — — — 92 — — 108 265 Balance at December 31, 2016 $ 19,243 $ 22 $ 2,179 $ 3,913 $ 1,001 $ 2,017 $ 339 $ 9,764 $ 2,450 $ 40,928
Loans and Leases Evaluated for Impairment by Portfolio Class	The following tables present our loans and leases evaluated individually for impairment by class: December 31, 2017 (Dollars in thousands) Unpaid Principal Balance Principal Balance Adjustment 1 Unpaid Book Balance Accrued Interest / Origination Fees Recorded Investment Related Allocation of General Allowance Related Allocation of Specific Allowance With no related allowance recorded: Single Family Real Estate Secured: Mortgage: In-house originated $ 2,954 $ 974 $ 1,980 $ 279 $ 2,259 $ — $ — Purchased 4,153 1,916 2,237 1 2,238 — — Multifamily Real Estate Secured: Purchased 486 232 254 — 254 — — Auto and RV Secured: In-house originated 500 367 133 5 138 — — With an allowance recorded: Single Family Real Estate Secured: Mortgage: In-house originated 21,065 12 21,053 — 21,053 746 — Purchased 1,437 36 1,401 23 1,424 49 — Home Equity: In-house originated 16 — 16 — 16 1 — Multifamily Real Estate Secured: In-house originated 3,031 285 2,746 369 3,115 14 — Auto and RV Secured: In-house originated 28 9 19 1 20 1 — Other 150 — 150 — 150 76 — Total $ 33,820 $ 3,831 $ 29,989 $ 678 $ 30,667 $ 887 $ — As a % of total gross loans and leases 0.42 % 0.04 % 0.38 % 0.01 % 0.39 % 0.01 % — % June 30, 2017 (Dollars in thousands) Unpaid Principal Balance Principal Balance Adjustment 1 Unpaid Book Balance Accrued Interest / Origination Fees Recorded Investment Related Allocation of General Allowance Related Allocation of Specific Allowance With no related allowance recorded: Single Family Real Estate Secured: Mortgage: In-house originated $ 4,240 $ 1,032 $ 3,208 $ 205 $ 3,413 $ — $ — Purchased 4,563 1,903 2,660 — 2,660 — — Multifamily Real Estate Secured: Purchased 492 215 277 — 277 — — Auto and RV Secured: In-house originated 418 295 123 3 126 — — With an allowance recorded: Single Family Real Estate Secured: Mortgage: In-house originated 16,124 12 16,112 — 16,112 643 — Purchased 1,429 32 1,397 17 1,414 37 — Home Equity: In-house originated 18 2 16 — 16 1 — Multifamily Real Estate Secured: In-house originated 4,170 192 3,978 186 4,164 19 — Auto and RV Secured: In-house originated 42 8 34 2 36 1 — Commercial & Industrial 314 — 314 — 314 314 — Other 274 — 274 — 274 43 — Total $ 32,084 $ 3,691 $ 28,393 $ 413 $ 28,806 $ 1,058 $ — As a % of total gross loans and leases 0.43 % 0.05 % 0.38 % 0.01 % 0.39 % 0.01 % — % 1 Impaired loans with an allowance recorded do not have any charge-offs. Principal balance adjustments on impaired loans with an allowance recorded represent interest payments that have been applied to the book balance as a result of the loans’ non-accrual status.
Balance in the Allowance for Loan and Lease Losses and Recorded Investments by Portfolio Segment	The following tables present the balance in the allowance for loan and lease losses and the recorded investment in loans and leases by portfolio segment and based on impairment evaluation method: December 31, 2017 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Warehouse and other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Allowance for loan and lease losses: Ending allowance balance attributable to loans and leases: Individually evaluated for impairment – general allowance $ 795 $ 1 $ — $ 14 $ — $ 1 $ — $ — $ 76 $ 887 Individually evaluated for impairment – specific allowance — — — — — — — — — — Collectively evaluated for impairment 18,926 19 2,496 4,816 805 2,906 481 11,490 2,780 44,719 Total ending allowance balance $ 19,721 $ 20 $ 2,496 $ 4,830 $ 805 $ 2,907 $ 481 $ 11,490 $ 2,856 $ 45,606 Loans and leases: Loans and leases individually evaluated for impairment 1 $ 26,671 $ 16 $ — $ 3,000 $ — $ 152 $ — $ — $ 150 $ 29,989 Loans and leases collectively evaluated for impairment 3,954,404 2,471 495,669 1,695,450 176,147 189,405 194,252 1,151,904 79,372 7,939,074 Principal loan and lease balance 3,981,075 2,487 495,669 1,698,450 176,147 189,557 194,252 1,151,904 79,522 7,969,063 Unaccreted discounts and loan and lease fees 9,315 41 (1,113 ) 4,464 713 2,200 (60,230 ) (1,835 ) (2,581 ) (49,026 ) Accrued interest receivable 9,788 5 2,092 5,153 481 405 168 4,653 999 23,744 Total recorded investment in loans and leases $ 4,000,178 $ 2,533 $ 496,648 $ 1,708,067 $ 177,341 $ 192,162 $ 134,190 $ 1,154,722 $ 77,940 $ 7,943,781 1 Loans and leases evaluated for impairment include Troubled Debt Restructurings (“TDRs”) that have been performing for more than six months . June 30, 2017 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Warehouse and other Multifamily Real Estate Secured Commercial Real Estate Auto and RV Secured Factoring Commercial & Industrial Other Total Allowance for loan and lease losses: Ending allowance balance attributable to loans and leases: Individually evaluated for impairment – general allowance $ 680 $ 1 $ — $ 19 $ — $ 1 $ — $ 314 $ 43 $ 1,058 Individually evaluated for impairment – specific allowance — — — — — — — — — — Collectively evaluated for impairment 19,292 18 2,298 4,619 1,008 2,378 401 9,567 193 39,774 Total ending allowance balance $ 19,972 $ 19 $ 2,298 $ 4,638 $ 1,008 $ 2,379 $ 401 $ 9,881 $ 236 $ 40,832 Loans and leases: Loans and leases individually evaluated for impairment 1 $ 23,377 $ 16 $ — $ 4,255 $ — $ 157 $ — $ 314 $ 274 $ 28,393 Loans and leases collectively evaluated for impairment 3,878,377 2,076 452,390 1,615,149 162,715 154,089 160,674 991,918 3,480 7,420,868 Principal loan and lease balance 3,901,754 2,092 452,390 1,619,404 162,715 154,246 160,674 992,232 3,754 7,449,261 Unaccreted discounts and loan and lease fees 10,486 34 (1,702 ) 4,586 744 2,054 (49,350 ) (640 ) (148 ) (33,936 ) Accrued interest receivable 8,831 1 (766 ) 4,946 377 284 213 4,757 13 18,656 Total recorded investment in loans and leases $ 3,921,071 $ 2,127 $ 449,922 $ 1,628,936 $ 163,836 $ 156,584 $ 111,537 $ 996,349 $ 3,619 $ 7,433,981 1 Loans and leases evaluated for impairment include TDRs that have been performing for more than six months .
Non-performing Loans and Leases	Non-performing loans and leases consisted of the following as of the dates indicated: (Dollars in thousands) December 31, June 30, Single Family Real Estate Secured: Mortgage: In-house originated $ 23,033 $ 19,320 Purchased 3,638 4,057 Home Equity: In-house originated 16 16 Multifamily Real Estate Secured: In-house originated 2,746 3,978 Purchased 254 277 Total non-performing loans secured by real estate 29,687 27,648 Auto and RV Secured 152 157 Commercial and Industrial — 314 Other 150 274 Total non-performing loans and leases $ 29,989 $ 28,393 Non-performing loans and leases to total loans and leases 0.38 % 0.38 %
Loans and Leases, Performing and Non-performing	The following tables present the outstanding unpaid balance of loans and leases that are performing and non-performing by portfolio class: December 31, 2017 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Warehouse & other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Performing $ 3,954,404 $ 2,471 $ 495,669 $ 1,695,450 $ 176,147 $ 189,405 $ 194,252 $ 1,151,904 $ 79,372 $ 7,939,074 Non-performing 26,671 16 — 3,000 — 152 — — 150 29,989 Total $ 3,981,075 $ 2,487 $ 495,669 $ 1,698,450 $ 176,147 $ 189,557 $ 194,252 $ 1,151,904 $ 79,522 $ 7,969,063 June 30, 2017 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Warehouse & other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Performing $ 3,878,377 $ 2,076 $ 452,390 $ 1,615,149 $ 162,715 $ 154,089 $ 160,674 $ 991,918 $ 3,480 $ 7,420,868 Non-performing 23,377 16 — 4,255 — 157 — 314 274 28,393 Total $ 3,901,754 $ 2,092 $ 452,390 $ 1,619,404 $ 162,715 $ 154,246 $ 160,674 $ 992,232 $ 3,754 $ 7,449,261 The Company divides loan balances when determining general loan loss reserves between purchases and originations as follows: December 31, 2017 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 $ 3,911,994 $ 42,410 $ 3,954,404 $ 1,614,892 $ 80,558 $ 1,695,450 $ 165,157 $ 10,990 $ 176,147 Non-performing 23,033 3,638 26,671 2,746 254 3,000 — — — Total $ 3,935,027 $ 46,048 $ 3,981,075 $ 1,617,638 $ 80,812 $ 1,698,450 $ 165,157 $ 10,990 $ 176,147 June 30, 2017 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 $ 3,827,649 $ 50,728 $ 3,878,377 $ 1,528,912 $ 86,237 $ 1,615,149 $ 150,880 $ 11,835 $ 162,715 Non-performing 19,320 4,057 23,377 3,978 277 4,255 — — — Total $ 3,846,969 $ 54,785 $ 3,901,754 $ 1,532,890 $ 86,514 $ 1,619,404 $ 150,880 $ 11,835 $ 162,715
Interest Recognized on Performing Loans Temporarily Modified as TDR	The Company classifies these loans as performing loans temporarily modified as TDR and are included in impaired loans and leases as follows: December 31, 2017 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Warehouse & other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Performing loans temporarily modified as TDR $ — $ — $ — $ — $ — $ — $ — $ — $ — $ — Non-performing loans and leases 26,671 16 — 3,000 — 152 — — 150 29,989 Total impaired loans and leases $ 26,671 $ 16 $ — $ 3,000 $ — $ 152 $ — $ — $ 150 $ 29,989 June 30, 2017 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Warehouse & other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Performing loans temporarily modified as TDR $ — $ — $ — $ — $ — $ — $ — $ — $ — $ — Non-performing loans and leases 23,377 16 — 4,255 — 157 — 314 274 28,393 Total impaired loans and leases $ 23,377 $ 16 $ — $ 4,255 $ — $ 157 $ — $ 314 $ 274 $ 28,393 The Company recognizes interest on performing loans temporarily modified as TDR, which is shown in conjunction with average balances as follows: For the Three Months Ended December 31, 2017 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Warehouse & other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Interest income recognized on performing TDRs $ — $ — $ — $ — $ — $ — $ — $ — $ — $ — Average balances of performing TDRs $ — $ — $ — $ — $ — $ — $ — $ — $ — $ — Average balances of impaired loans $ 27,083 $ 16 $ — $ 3,598 $ — $ 141 $ — $ — $ 206 $ 31,044 For the Three Months Ended December 31, 2016 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Warehouse & other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Interest income recognized on performing TDRs $ 3 $ — $ — $ — $ — $ — $ — $ — $ — $ 3 Average balances of performing TDRs $ 207 $ — $ — $ — $ — $ — $ — $ — $ — $ 207 Average balances of impaired loans $ 31,855 $ 40 $ — $ 5,606 $ 232 $ 262 $ — $ — $ 510 $ 38,505 For the Six Months Ended December 31, 2017 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Warehouse & other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Interest income recognized on performing TDRs $ — $ — $ — $ — $ — $ — $ — $ — $ — $ — Average balances of performing TDRs $ — $ — $ — $ — $ — $ — $ — $ — $ — $ — Average balances of impaired loans $ 25,847 $ 16 $ — $ 3,817 $ — $ 146 $ — $ 105 $ 229 $ 30,160 For the Six Months Ended December 31, 2016 Single Family Real Estate Secured (Dollars in thousands) Mortgage Home Warehouse & other Multifamily Real Estate Secured Commercial Real Estate Secured Auto and RV Secured Factoring Commercial & Industrial Other Total Interest income recognized on performing TDRs $ 6 $ — $ — $ — $ — $ — $ — $ — $ — $ 6 Average balances of performing TDRs $ 208 $ — $ — $ — $ — $ — $ — $ — $ — $ 208 Average balances of impaired loans $ 30,773 $ 37 $ — $ 4,476 $ 239 $ 267 $ — $ — $ 565 $ 36,357
Composition of Loan and Lease Portfolio by Credit Quality Indicators	The following table presents the composition of the Company’s loan and lease portfolio by credit quality indicators: December 31, 2017 (Dollars in thousands) Pass Special Substandard Doubtful Total Single Family Real Estate Secured: Mortgage: In-house originated $ 3,872,932 $ 39,062 $ 23,033 $ — $ 3,935,027 Purchased 42,043 367 3,638 — 46,048 Home Equity: In-house originated 2,471 — 16 — 2,487 Warehouse and other: In-house originated 495,669 — — — 495,669 Multifamily Real Estate Secured: In-house originated 1,612,658 2,234 2,746 — 1,617,638 Purchased 79,561 — 1,251 — 80,812 Commercial Real Estate Secured: In-house originated 165,157 — — — 165,157 Purchased 9,047 1,943 — — 10,990 Auto and RV Secured: In-house originated 189,391 22 144 — 189,557 Factoring 194,252 — — — 194,252 Commercial & Industrial: In-house originated 1,112,380 4,674 — — 1,117,054 Purchased 33,159 94 1,597 34,850 Other 79,372 — 150 — 79,522 Total $ 7,888,092 $ 48,396 $ 32,575 $ — $ 7,969,063 As a % of total gross loans and leases 99.0 % 0.6 % 0.4 % — % 100.0 % June 30, 2017 (Dollars in thousands) Pass Special Substandard Doubtful Total Single Family Real Estate Secured: Mortgage: In-house originated $ 3,808,886 $ 18,763 $ 19,320 $ — $ 3,846,969 Purchased 49,893 538 4,354 — 54,785 Home Equity: In-house originated 2,076 — 16 — 2,092 Warehouse and other: In-house originated 452,390 — — — 452,390 Multifamily Real Estate Secured: In-house originated 1,526,931 1,981 3,978 — 1,532,890 Purchased 84,775 452 1,287 — 86,514 Commercial Real Estate Secured: In-house originated 150,880 — — — 150,880 Purchased 9,868 1,967 — — 11,835 Auto and RV Secured: In-house originated 153,994 77 175 — 154,246 Factoring 160,674 — — — 160,674 Commercial & Industrial 991,918 — 314 — 992,232 Other 3,480 — 274 — 3,754 Total $ 7,395,765 $ 23,778 $ 29,718 $ — $ 7,449,261 As a % of total gross loans and leases 99.3 % 0.3 % 0.4 % — % 100.0 %
Past Due Loan and Leases	The following table provides the outstanding unpaid balance of loans and leases that are past due 30 days or more by portfolio class as of the period indicated: December 31, 2017 (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 $ 8,409 $ 2,953 $ 19,798 $ 31,160 Purchased 556 203 2,137 2,896 Home equity: In-house originated — — 16 16 Multifamily real estate secured: In-house originated — — 2,746 2,746 Auto and RV secured 389 21 68 478 Factoring — 548 — 548 Commercial and industrial 672 — — 672 Other 52 — 150 202 Total $ 10,078 $ 3,725 $ 24,915 $ 38,718 As a % of total gross loans and leases 0.13 % 0.05 % 0.31 % 0.49 % June 30, 2017 (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 $ 4,892 $ 2,325 $ 19,297 $ 26,514 Purchased 244 101 1,751 2,096 Home equity In-house originated — — 16 16 Multifamily real estate secured In-house originated — — 3,978 3,978 Auto and RV secured In-house originated 149 77 3 229 Commercial and industrial — — 314 314 Other — — 274 274 Total $ 5,285 $ 2,503 $ 25,633 $ 33,421 As a % of total gross loans and leases 0.07 % 0.03 % 0.35 % 0.45 %

EQUITY AND STOCK-BASED COMPEN23

EQUITY AND STOCK-BASED COMPENSATION (Tables)	6 Months Ended
	Dec. 31, 2017
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Unrecognized compensation expense related to non-vested awards, to be recognized in the future	At December 31, 2017 , unrecognized compensation expense related to non-vested awards aggregated to $31,356 and is expected to be recognized in future periods as follows: (Dollars in thousands) Stock Award Compensation Expense For the fiscal year remainder: 2018 $ 8,364 2019 13,071 2020 7,908 2021 2,013 Total $ 31,356
Status and changes in restricted stock grants	The following table presents the status and changes in restricted stock units for the periods indicated : Restricted Stock Units Weighted-Average Grant-Date Fair Value Non-vested balance at June 30, 2016 1,059,726 $ 22.53 Granted 843,611 21.13 Vested (570,764 ) 20.86 Canceled (92,251 ) 20.26 Non-vested balance at June 30, 2017 1,240,322 $ 22.52 Granted 683,691 26.09 Vested (328,943 ) 21.43 Canceled (40,876 ) 22.62 Non-vested balance at December 31, 2017 1,554,194 $ 24.32

EARNINGS PER SHARE ("EPS") (Tab

EARNINGS PER SHARE ("EPS") (Tables)	6 Months Ended
	Dec. 31, 2017
Earnings Per Share [Abstract]
Calculation of basic and diluted EPS	The following table presents the calculation of basic and diluted EPS: Three Months Ended Six Months Ended December 31, December 31, (Dollars in thousands, except per share data) 2017 2016 2017 2016 Earnings Per Common Share Net income $ 31,658 $ 32,300 $ 64,041 $ 61,197 Preferred stock dividends (78 ) (78 ) (155 ) (155 ) Net income attributable to common shareholders $ 31,580 $ 32,222 $ 63,886 $ 61,042 Average common shares outstanding 63,487,698 63,341,437 63,557,105 63,312,805 Average unvested RSUs 1,496,635 1,520,103 1,457,599 1,412,167 Total basic weighted-average number of shares outstanding 64,984,333 64,861,540 65,014,704 64,724,972 Total dilutive weighted-average number of shares outstanding 64,984,333 64,861,540 65,014,704 64,724,972 Basic earnings per common share $ 0.49 $ 0.50 $ 0.98 $ 0.94 Diluted earnings per common share $ 0.49 $ 0.50 $ 0.98 $ 0.94

SIGNIFICANT ACCOUNTING POLICI25

SIGNIFICANT ACCOUNTING POLICIES (Details)	6 Months Ended
	Dec. 31, 2017
H&R Block Bank Deposits | Emerald Advance
Business Acquisition [Line Items]
Interest income and fees retainer percentage	10.00%

FAIR VALUE - NARRATIVE (Details

FAIR VALUE - NARRATIVE (Details) - USD ($)	6 Months Ended
	Dec. 31, 2017	Nov. 30, 2017	Jun. 30, 2017	Oct. 31, 2009
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Securities held-to-maturity	$ 0		$ 0
Nonrecurring
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Impaired loans, fair value	29,989,000		28,393,000
Related allowance on impaired loans	887,000
Other real estate owned and foreclosed assets, fair value	8,808,000		1,413,000
Nonrecurring | Level 3
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Impaired loans, fair value	29,989,000		28,393,000
Other real estate owned and foreclosed assets, fair value	$ 8,808,000		$ 1,413,000
Non-Agency RMBS | Level 3
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Unemployment rate		4.10%		10.00%
Non-Agency RMBS | Discounted Cash Flow | Minimum
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Discount rate, basis spread	2.60%
Non-Agency RMBS | Discounted Cash Flow | Minimum | Level 3
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Projected loss severity rate	40.00%
Projected annual default rate	1.50%
Non-Agency RMBS | Discounted Cash Flow | Maximum
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Discount rate, basis spread	6.36%
Non-Agency RMBS | Discounted Cash Flow | Maximum | Level 3
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Projected loss severity rate	68.30%
Projected annual default rate	10.40%
Nonperforming | Nonrecurring
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Impaired loans, charge-offs	$ 97,000
Impaired loans, life to date charge-offs	2,478,000
Impaired loans, life to date payments applied to principal	1,353,000
Impaired loans, life to date principal balance adjustments for allowance write-downs	3,831,000
Other real estate owned | Nonrecurring
Fair Value Inputs, Equity, Quantitative Information [Line Items]
Impaired loans, charge-offs	$ 1,000

FAIR VALUE - ASSETS AND LIABILI

FAIR VALUE - ASSETS AND LIABILITIES MEASURED ON RECURRING BASIS (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Jun. 30, 2017
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading	$ 0	$ 8,327
Securities available-for-sale	191,725	264,470
Loans held for sale, at fair value	24,499	18,738
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
Securities available-for-sale	0	0
Loans held for sale, at fair value	0	0
Mortgage Servicing Rights	0	0
Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading		0
Securities available-for-sale	166,934	192,967
Loans held for sale, at fair value	24,499	18,738
Mortgage Servicing Rights	0	0
Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading		8,327
Securities available-for-sale	24,791	71,503
Loans held for sale, at fair value	0	0
Mortgage Servicing Rights	9,066	7,200
Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	191,725	264,470
Loans held for sale, at fair value	24,499	18,738
Mortgage Servicing Rights	9,066	7,200
Other assets – Derivative Instruments	1,344	1,194
Other liabilities – Derivative Instruments	126	168
Recurring | Collateralized Debt Obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading	0	8,327
Recurring | Agency RMBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	20,801	27,206
Recurring | Non-Agency RMBS
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	24,791	71,503
Recurring | Municipal
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	23,528	27,163
Recurring | Other Debt Securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	122,605	138,598
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, at fair value	0	0
Mortgage Servicing Rights	0	0
Other assets – Derivative Instruments	0	0
Other liabilities – Derivative Instruments	0	0
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
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
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
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
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
Recurring | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	166,934	192,967
Loans held for sale, at fair value	24,499	18,738
Mortgage Servicing Rights	0	0
Other assets – Derivative Instruments	0	0
Other liabilities – Derivative Instruments	0	0
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
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	20,801	27,206
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
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	23,528	27,163
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	122,605	138,598
Recurring | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	24,791	71,503
Loans held for sale, at fair value	0	0
Mortgage Servicing Rights	9,066	7,200
Other assets – Derivative Instruments	1,344	1,194
Other liabilities – Derivative Instruments	126	168
Recurring | Significant Unobservable Inputs (Level 3) | Collateralized Debt Obligations
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trading	0	8,327
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
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	24,791	71,503
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
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	3 Months Ended		6 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2017	Dec. 31, 2016
Purchases, originations, issues, sales and settlements:
Other-than-temporary impairment	$ (7)	$ (1,350)	$ (156)	$ (1,470)
Recurring | Level 3
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Opening Balance	75,851	147,905	88,056	22,209
Transfers into Level 3	0	0	0	124,547
Transfers out of Level 3	0	0	0	0
Total gains or losses for the period - Included in other comprehensive income	609	1,780	(1,154)	9,314
Purchases, originations, issues, sales and settlements:
Purchases/originations	924	710	1,487	1,843
Issues	0	0	0	0
Sales	(40,000)	(44,210)	(48,609)	(50,609)
Settlements	(2,231)	(4,594)	(5,203)	(7,052)
Other-than-temporary impairment	(7)	(1,350)	(156)	(1,470)
Closing balance	35,075	98,778	35,075	98,778
Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period	(71)	(1,463)	372	(4)
Recurring | Level 3 | Collateralized Debt Obligations
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Opening Balance	0	7,695	8,327	7,584
Transfers into Level 3	0	0	0	0
Transfers out of Level 3	0	0	0	0
Total gains or losses for the period - Included in earnings		456	282	567
Purchases, originations, issues, sales and settlements:
Purchases/originations	0	0	0	0
Issues	0	0	0	0
Sales	0	0	(8,609)	0
Settlements	0	0	0	0
Other-than-temporary impairment	0	0	0	0
Closing balance	0	8,151	0	8,151
Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period	0	456	0	567
Recurring | Level 3 | Non-Agency RMBS
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Opening Balance	66,619	133,169	71,503	9,364
Transfers into Level 3	0	0	0	124,547
Transfers out of Level 3	0	0	0	0
Total gains or losses for the period - Included in earnings	(199)	(2,569)	(199)	(1,868)
Total gains or losses for the period - Included in other comprehensive income	609	1,780	(1,154)	9,314
Purchases, originations, issues, sales and settlements:
Purchases/originations	0	0	0	0
Issues	0	0	0	0
Sales	(40,000)	(44,210)	(40,000)	(50,609)
Settlements	(2,231)	(4,594)	(5,203)	(7,052)
Other-than-temporary impairment	(7)	(1,350)	(156)	(1,470)
Closing balance	24,791	82,226	24,791	82,226
Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period	(199)	(2,569)	(199)	(1,868)
Recurring | Level 3 | Mortgage Servicing Rights
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Opening Balance	8,044	4,855	7,200	3,943
Transfers into Level 3	0	0	0	0
Transfers out of Level 3	0	0	0	0
Total gains or losses for the period - Included in earnings	98	585	379	364
Purchases, originations, issues, sales and settlements:
Purchases/originations	924	710	1,487	1,843
Issues	0	0	0	0
Sales	0	0	0	0
Settlements	0	0	0	0
Other-than-temporary impairment	0	0	0	0
Closing balance	9,066	6,150	9,066	6,150
Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period	98	585	379	364
Recurring | Level 3 | Derivative Instruments, net
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Opening Balance	1,188	2,186	1,026	1,318
Transfers into Level 3	0	0	0	0
Transfers out of Level 3	0	0	0	0
Total gains or losses for the period - Included in earnings	30	65	192	933
Purchases, originations, issues, sales and settlements:
Purchases/originations	0	0	0	0
Issues	0	0	0	0
Sales	0	0	0	0
Settlements	0	0	0	0
Other-than-temporary impairment	0	0	0	0
Closing balance	1,218	2,251	1,218	2,251
Change in unrealized gains or losses for the period included in earnings for assets held at the end of the reporting period	30	65	192	933
Recurring | Level 3 | Collateralized Debt Obligations and Non-Agency RMBS
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Total gains or losses for the period - Included in earnings			83
Recurring | Level 3 | Mortgage Servicing Rights and Derivative Instruments
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Total gains or losses for the period - Included in earnings	$ 128	$ 650	$ 571	$ 1,297

FAIR VALUE - QUANTITATIVE INFOR

FAIR VALUE - QUANTITATIVE INFORMATION ABOUT LEVEL 3 FAIR VALUE MEASURMENTS (RECURRING) (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Dec. 31, 2017	Jun. 30, 2017
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities available-for-sale	$ 191,725	$ 264,470
Securities trading	0	8,327
Level 3
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities available-for-sale	24,791	71,503
Mortgage Servicing Rights	$ 9,066	7,200
Securities trading		8,327
Level 3 | Non-Agency RMBS | Minimum | Discounted Cash Flow
Fair Value, Option, Quantitative Disclosures [Line Items]
Projected Loss Severity	40.00%
Total Projected Defaults	1.50%
Level 3 | Non-Agency RMBS | Maximum | Discounted Cash Flow
Fair Value, Option, Quantitative Disclosures [Line Items]
Projected Loss Severity	68.30%
Total Projected Defaults	10.40%
Recurring
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities available-for-sale	$ 191,725	264,470
Mortgage Servicing Rights	9,066	7,200
Recurring | Non-Agency RMBS
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities available-for-sale	24,791	71,503
Recurring | Level 3
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities available-for-sale	24,791	71,503
Mortgage Servicing Rights	9,066	7,200
Recurring | Level 3 | Non-Agency RMBS
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities available-for-sale	24,791	71,503
Recurring | Level 3 | Non-Agency RMBS | Discounted Cash Flow
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities available-for-sale	$ 24,791	$ 71,503
Recurring | Level 3 | Non-Agency RMBS | Minimum | Discounted Cash Flow
Fair Value, Option, Quantitative Disclosures [Line Items]
Projected Constant Prepayment Rate	2.50%	2.50%
Projected Constant Default Rate	1.50%	1.50%
Projected Loss Severity	40.00%	40.00%
Discount Rate	2.60%	2.60%
Recurring | Level 3 | Non-Agency RMBS | Maximum | Discounted Cash Flow
Fair Value, Option, Quantitative Disclosures [Line Items]
Projected Constant Prepayment Rate	18.30%	23.40%
Projected Constant Default Rate	10.40%	18.90%
Projected Loss Severity	68.30%	68.80%
Discount Rate	6.40%	5.80%
Recurring | Level 3 | Non-Agency RMBS | Weighted Average | Discounted Cash Flow
Fair Value, Option, Quantitative Disclosures [Line Items]
Projected Constant Prepayment Rate	12.50%	12.50%
Projected Constant Default Rate	5.00%	5.30%
Projected Loss Severity	57.80%	57.90%
Discount Rate	3.20%	3.30%
Recurring | Level 3 | Mortgage Servicing Rights | Discounted Cash Flow
Fair Value, Option, Quantitative Disclosures [Line Items]
Mortgage Servicing Rights	$ 9,066	$ 7,200
Recurring | Level 3 | Mortgage Servicing Rights | Minimum | Discounted Cash Flow
Fair Value, Option, Quantitative Disclosures [Line Items]
Projected Constant Prepayment Rate	5.10%	6.30%
Discount Rate	9.50%	9.50%
Life (in years)	2 years 6 months	2 years 6 months
Recurring | Level 3 | Mortgage Servicing Rights | Maximum | Discounted Cash Flow
Fair Value, Option, Quantitative Disclosures [Line Items]
Projected Constant Prepayment Rate	28.40%	26.90%
Discount Rate	13.00%	13.00%
Life (in years)	9 years 4 months 24 days	7 years 9 months 18 days
Recurring | Level 3 | Mortgage Servicing Rights | Weighted Average | Discounted Cash Flow
Fair Value, Option, Quantitative Disclosures [Line Items]
Projected Constant Prepayment Rate	9.80%	9.50%
Discount Rate	10.00%	9.70%
Life (in years)	6 years 7 months 6 days	6 years 7 months 16 days
Recurring | Level 3 | Derivative Instruments, net | Sales Comparison Approach
Fair Value, Option, Quantitative Disclosures [Line Items]
Derivative Instruments, net	$ 1,218	$ 1,026
Recurring | Level 3 | Derivative Instruments, net | Minimum | Sales Comparison Approach
Fair Value, Option, Quantitative Disclosures [Line Items]
Projected Sales Profit of Underlying Loans	0.30%	0.30%
Recurring | Level 3 | Derivative Instruments, net | Maximum | Sales Comparison Approach
Fair Value, Option, Quantitative Disclosures [Line Items]
Projected Sales Profit of Underlying Loans	0.60%	0.60%
Recurring | Level 3 | Derivative Instruments, net | Weighted Average | Sales Comparison Approach
Fair Value, Option, Quantitative Disclosures [Line Items]
Projected Sales Profit of Underlying Loans	0.50%	0.50%
Recurring | Level 3 | Collateralized Debt Obligations | Discounted Cash Flow
Fair Value, Option, Quantitative Disclosures [Line Items]
Securities trading		$ 8,327
Recurring | Level 3 | Collateralized Debt Obligations | Minimum | Discounted Cash Flow
Fair Value, Option, Quantitative Disclosures [Line Items]
Discount Rate		4.50%
Total Projected Defaults		12.20%
Recurring | Level 3 | Collateralized Debt Obligations | Maximum | Discounted Cash Flow
Fair Value, Option, Quantitative Disclosures [Line Items]
Discount Rate		4.50%
Total Projected Defaults		21.80%
Recurring | Level 3 | Collateralized Debt Obligations | Weighted Average | Discounted Cash Flow
Fair Value, Option, Quantitative Disclosures [Line Items]
Discount Rate		4.50%
Total Projected Defaults		16.80%

FAIR VALUE - LEVEL 3 UNREALIZED

FAIR VALUE - LEVEL 3 UNREALIZED GAIN (LOSS) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2017	Dec. 31, 2016
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Fair value adjustment	$ 0	$ 456	$ 0	$ 567
Level 3
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Interest income on investments	0	70	0	143
Fair value adjustment	0	456	0	567
Total	$ 0	$ 526	$ 0	$ 710

FAIR VALUE - ASSETS MEASURED FO

FAIR VALUE - ASSETS MEASURED FOR IMPAIRMENT ON NONRECURRING BASIS (Details) - Nonrecurring - USD ($) $ in Thousands	Dec. 31, 2017	Jun. 30, 2017
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	$ 29,989	$ 28,393
Other real estate owned and foreclosed assets, fair value	8,808	1,413
Impaired Loans, Mortgage
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	26,671	23,377
Impaired Loans, Home Equity
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	16	16
Impaired Loans, Multifamily Real Estate Secured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	3,000	4,255
Impaired Loans, Auto and RV Secured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	152	157
Impaired Loans, Commercial and Industrial
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value		314
Impaired Loans, Other
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	150	274
Foreclosed Assets, Single Family
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	8,613	1,353
Foreclosed Assets, Auto and RV Secured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	195	60
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
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
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
Quoted Prices in Active Markets for Identical Assets (Level 1) | Impaired Loans, Multifamily Real Estate Secured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	0	0
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
Quoted Prices in Active Markets for Identical Assets (Level 1) | Impaired Loans, Commercial and Industrial
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value		0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Impaired Loans, Other
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) | Foreclosed Assets, 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
Quoted Prices in Active Markets for Identical Assets (Level 1) | Foreclosed Assets, Auto and RV Secured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	0	0
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
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
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
Significant Other Observable Inputs (Level 2) | Impaired Loans, Multifamily Real Estate Secured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	0	0
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
Significant Other Observable Inputs (Level 2) | Impaired Loans, Commercial and Industrial
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value		0
Significant Other Observable Inputs (Level 2) | Impaired Loans, Other
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	0	0
Significant Other Observable Inputs (Level 2) | Foreclosed Assets, 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
Significant Other Observable Inputs (Level 2) | Foreclosed Assets, Auto and RV Secured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	0	0
Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	29,989	28,393
Other real estate owned and foreclosed assets, fair value	8,808	1,413
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	26,671	23,377
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	16	16
Significant Unobservable Inputs (Level 3) | Impaired Loans, Multifamily Real Estate Secured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	3,000	4,255
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	152	157
Significant Unobservable Inputs (Level 3) | Impaired Loans, Commercial and Industrial
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value		314
Significant Unobservable Inputs (Level 3) | Impaired Loans, Other
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans, fair value	150	274
Significant Unobservable Inputs (Level 3) | Foreclosed Assets, Single Family
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	8,613	1,353
Significant Unobservable Inputs (Level 3) | Foreclosed Assets, Auto and RV Secured
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other real estate owned and foreclosed assets, fair value	$ 195	$ 60

FAIR VALUE - LOANS HELD-FOR-SAL

FAIR VALUE - LOANS HELD-FOR-SALE (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Jun. 30, 2017
Fair Value Disclosures [Abstract]
Aggregate fair value	$ 24,499		$ 24,499		$ 18,738
Contractual balance	23,983		23,983		18,311
Unrealized gain	516		516		$ 427
Interest income	225	$ 192	372	$ 329
Change in fair value	81	99	282	1,046
Total	$ 306	$ 291	$ 654	$ 1,375

FAIR VALUE - QUANTITATIVE INF33

FAIR VALUE - QUANTITATIVE INFORMATION ABOUT LEVEL 3 FAIR VALUE MEASURMENTS (NONRECURRING) (Details) - Nonrecurring - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Dec. 31, 2017	Jun. 30, 2017
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	$ 29,989	$ 28,393
Other real estate owned and foreclosed assets, fair value	8,808	1,413
Impaired Loans, Mortgage
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	26,671	23,377
Impaired Loans, Home Equity
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	16	16
Impaired Loans, Multifamily Real Estate Secured
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	3,000	4,255
Impaired Loans, Auto and RV Secured
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	152	157
Impaired Loans, Commercial and Industrial
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value		314
Impaired Loans, Other
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	150	274
Foreclosed Assets, Single Family
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Other real estate owned and foreclosed assets, fair value	8,613	1,353
Foreclosed Assets, Auto and RV Secured
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Other real estate owned and foreclosed assets, fair value	195	60
Level 3
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	29,989	28,393
Other real estate owned and foreclosed assets, fair value	8,808	1,413
Level 3 | Impaired Loans, Mortgage
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	26,671	23,377
Level 3 | Impaired Loans, Mortgage | Sales Comparison Approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	$ 26,671	$ 23,377
Level 3 | Impaired Loans, Mortgage | Minimum | Sales Comparison Approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustments for differences between comparable sales and differences in net operating income	(45.10%)	(38.50%)
Level 3 | Impaired Loans, Mortgage | Maximum | Sales Comparison Approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustments for differences between comparable sales and differences in net operating income	62.90%	79.80%
Level 3 | Impaired Loans, Mortgage | Weighted Average | Sales Comparison Approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustments for differences between comparable sales and differences in net operating income	1.60%	6.40%
Level 3 | Impaired Loans, Home Equity
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	$ 16	$ 16
Level 3 | Impaired Loans, Home Equity | Sales Comparison Approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	$ 16	$ 16
Level 3 | Impaired Loans, Home Equity | Minimum | Sales Comparison Approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustments for differences between comparable sales and differences in net operating income	(52.00%)	(6.10%)
Level 3 | Impaired Loans, Home Equity | Maximum | Sales Comparison Approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustments for differences between comparable sales and differences in net operating income	7.40%	26.10%
Level 3 | Impaired Loans, Home Equity | Weighted Average | Sales Comparison Approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustments for differences between comparable sales and differences in net operating income	(6.70%)	7.80%
Level 3 | Impaired Loans, Multifamily Real Estate Secured
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	$ 3,000	$ 4,255
Level 3 | Impaired Loans, Multifamily Real Estate Secured | Sales Comparison Approach, Income Approach and Discounted Cash Flow
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	$ 3,000	$ 4,255
Level 3 | Impaired Loans, Multifamily Real Estate Secured | Minimum | Sales Comparison Approach, Income Approach and Discounted Cash Flow
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustments for differences between comparable sales and differences in net operating income	(32.10%)	(24.20%)
Level 3 | Impaired Loans, Multifamily Real Estate Secured | Maximum | Sales Comparison Approach, Income Approach and Discounted Cash Flow
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustments for differences between comparable sales and differences in net operating income	48.70%	48.70%
Level 3 | Impaired Loans, Multifamily Real Estate Secured | Weighted Average | Sales Comparison Approach, Income Approach and Discounted Cash Flow
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustments for differences between comparable sales and differences in net operating income	(12.20%)	2.40%
Level 3 | Impaired Loans, Auto and RV Secured
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	$ 152	$ 157
Level 3 | Impaired Loans, Auto and RV Secured | Sales Comparison Approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	$ 152	$ 157
Level 3 | Impaired Loans, Auto and RV Secured | Minimum | Sales Comparison Approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustments for differences between comparable sales and differences in net operating income	(21.60%)	(17.20%)
Level 3 | Impaired Loans, Auto and RV Secured | Maximum | Sales Comparison Approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustments for differences between comparable sales and differences in net operating income	71.50%	42.40%
Level 3 | Impaired Loans, Auto and RV Secured | Weighted Average | Sales Comparison Approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustments for differences between comparable sales and differences in net operating income	14.50%	(5.50%)
Level 3 | Impaired Loans, Commercial and Industrial
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value		$ 314
Level 3 | Impaired Loans, Commercial and Industrial | Discounted Cash Flow
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value		$ 314
Level 3 | Impaired Loans, Commercial and Industrial | Minimum | Discounted Cash Flow
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount Rate		34.80%
Level 3 | Impaired Loans, Commercial and Industrial | Maximum | Discounted Cash Flow
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount Rate		34.80%
Level 3 | Impaired Loans, Commercial and Industrial | Weighted Average | Discounted Cash Flow
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Discount Rate		34.80%
Level 3 | Impaired Loans, Other
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	$ 150	$ 274
Level 3 | Impaired Loans, Other | Discounted Cash Flow
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans, fair value	$ 150	$ 274
Level 3 | Impaired Loans, Other | Minimum | Discounted Cash Flow
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Projected Constant Prepayment Rate	0.00%	0.00%
Projected Constant Default Rate	0.00%	0.00%
Projected Loss Severity	100.00%	100.00%
Discount Rate	4.30%	4.50%
Level 3 | Impaired Loans, Other | Maximum | Discounted Cash Flow
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Projected Constant Prepayment Rate	0.00%	0.00%
Projected Constant Default Rate	10.00%	10.00%
Projected Loss Severity	100.00%	100.00%
Discount Rate	4.40%	5.20%
Level 3 | Impaired Loans, Other | Weighted Average | Discounted Cash Flow
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Projected Constant Prepayment Rate	0.00%	0.00%
Projected Constant Default Rate	5.00%	5.00%
Projected Loss Severity	100.00%	100.00%
Discount Rate	4.30%	4.90%
Level 3 | Foreclosed Assets, Single Family
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Other real estate owned and foreclosed assets, fair value	$ 8,613	$ 1,353
Level 3 | Foreclosed Assets, Single Family | Sales Comparison Approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Other real estate owned and foreclosed assets, fair value	$ 8,613	$ 1,353
Level 3 | Foreclosed Assets, Single Family | Minimum | Sales Comparison Approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustments for differences between comparable sales and differences in net operating income	(21.40%)	(10.50%)
Level 3 | Foreclosed Assets, Single Family | Maximum | Sales Comparison Approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustments for differences between comparable sales and differences in net operating income	31.60%	12.50%
Level 3 | Foreclosed Assets, Single Family | Weighted Average | Sales Comparison Approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustments for differences between comparable sales and differences in net operating income	(1.30%)	0.10%
Level 3 | Foreclosed Assets, Auto and RV Secured
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Other real estate owned and foreclosed assets, fair value	$ 195	$ 60
Level 3 | Foreclosed Assets, Auto and RV Secured | Sales Comparison Approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Other real estate owned and foreclosed assets, fair value	$ 195	$ 60
Level 3 | Foreclosed Assets, Auto and RV Secured | Minimum | Sales Comparison Approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustments for differences between comparable sales and differences in net operating income	(20.00%)	(17.00%)
Level 3 | Foreclosed Assets, Auto and RV Secured | Maximum | Sales Comparison Approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustments for differences between comparable sales and differences in net operating income	74.20%	20.50%
Level 3 | Foreclosed Assets, Auto and RV Secured | Weighted Average | Sales Comparison Approach
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustments for differences between comparable sales and differences in net operating income	8.00%	6.20%

FAIR VALUE - FAIR VALUE BY BALA

FAIR VALUE - FAIR VALUE BY BALANCE SHEET GROUPING (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Jun. 30, 2017
Financial assets:
Securities trading	$ 0	$ 8,327
Securities available-for-sale	191,725	264,470
Loans held for sale, at fair value	24,499	18,738
Loans held for sale, lower of cost or fair value	7,067	6,669
Carrying Amount
Financial assets:
Cash and cash equivalents	618,089	643,541
Securities trading		8,327
Securities available-for-sale	191,725	264,470
Loans held for sale, at fair value	24,499	18,738
Loans held for sale, lower of cost or fair value	7,067	6,669
Loans and leases held for investment—net	7,874,431	7,374,493
Accrued interest receivable	26,053	20,781
Mortgage servicing rights	9,066	7,200
Financial liabilities:
Time deposits and savings	7,393,233	6,899,507
Securities sold under agreements to repurchase		20,000
Advances from the Federal Home Loan Bank	543,000	640,000
Subordinated notes and debentures and other	54,503	54,463
Accrued interest payable	1,517	1,284
Total Fair Value
Financial assets:
Cash and cash equivalents	618,089	643,541
Securities trading		8,327
Securities available-for-sale	191,725	264,470
Loans held for sale, at fair value	24,499	18,738
Loans held for sale, lower of cost or fair value	7,249	7,328
Loans and leases held for investment—net	7,974,013	7,521,281
Accrued interest receivable	26,053	20,781
Mortgage servicing rights	9,066	7,200
Financial liabilities:
Time deposits and savings	7,065,220	6,544,056
Securities sold under agreements to repurchase		20,152
Advances from the Federal Home Loan Bank	544,483	645,339
Subordinated notes and debentures and other	52,599	52,930
Accrued interest payable	1,517	1,284
Level 1
Financial assets:
Cash and cash equivalents	618,089	643,541
Securities trading		0
Securities available-for-sale	0	0
Loans held for sale, at fair value	0	0
Loans held for sale, lower of cost or fair value	0	0
Loans and leases held for investment—net	0	0
Accrued interest receivable	0	0
Mortgage servicing rights	0	0
Financial liabilities:
Time deposits and savings	0	0
Securities sold under agreements to repurchase		0
Advances from the Federal Home Loan Bank	0	0
Subordinated notes and debentures and other	0	0
Accrued interest payable	0	0
Level 2
Financial assets:
Cash and cash equivalents	0	0
Securities trading		0
Securities available-for-sale	166,934	192,967
Loans held for sale, at fair value	24,499	18,738
Loans held for sale, lower of cost or fair value	0	0
Loans and leases held for investment—net	0	0
Accrued interest receivable	0	0
Mortgage servicing rights	0	0
Financial liabilities:
Time deposits and savings	7,065,220	6,544,056
Securities sold under agreements to repurchase		20,152
Advances from the Federal Home Loan Bank	544,483	645,339
Subordinated notes and debentures and other	52,599	52,930
Accrued interest payable	1,517	1,284
Level 3
Financial assets:
Cash and cash equivalents	0	0
Securities trading		8,327
Securities available-for-sale	24,791	71,503
Loans held for sale, at fair value	0	0
Loans held for sale, lower of cost or fair value	7,249	7,328
Loans and leases held for investment—net	7,974,013	7,521,281
Accrued interest receivable	26,053	20,781
Mortgage servicing rights	9,066	7,200
Financial liabilities:
Time deposits and savings	0	0
Securities sold under agreements to repurchase		0
Advances from the Federal Home Loan Bank	0	0
Subordinated notes and debentures and other	0	0
Accrued interest payable	$ 0	$ 0

SECURITIES - AMORTIZED COST, CA

SECURITIES - AMORTIZED COST, CARRYING AMOUNT AND FAIR VALUE DISCLOSURES (Details) - USD ($) $ in Thousands		Dec. 31, 2017		Jun. 30, 2017
Schedule of Trading Securities and Other Trading Assets [Line Items]
Trading		$ 0		$ 8,327
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale, Amortized Cost		191,038		257,520
Available-for-sale, Unrealized Gains		3,061		9,228
Available-for-sale, Unrealized Losses		(2,374)		(2,278)
Available-for-sale		191,725		264,470
Mortgage-backed securities (RMBS)
Schedule of Trading Securities and Other Trading Assets [Line Items]
Trading		0		0
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale, Amortized Cost		46,931		92,780
Available-for-sale, Unrealized Gains		453		7,692
Available-for-sale, Unrealized Losses		(1,792)		(1,763)
Available-for-sale		45,592		98,709
U.S. agencies
Schedule of Trading Securities and Other Trading Assets [Line Items]
Trading	[1]	0		0
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale, Amortized Cost	[1]	20,948		27,379
Available-for-sale, Unrealized Gains	[1]	253		286
Available-for-sale, Unrealized Losses	[1]	(400)		(459)
Available-for-sale	[1]	20,801	[2]	27,206
Non-Agency RMBS
Schedule of Trading Securities and Other Trading Assets [Line Items]
Trading	[3]	0		0
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale, Amortized Cost	[3]	25,983		65,401
Available-for-sale, Unrealized Gains	[3]	200		7,406
Available-for-sale, Unrealized Losses	[3]	(1,392)		(1,304)
Available-for-sale	[3]	24,791		71,503
Other Debt Securities
Schedule of Trading Securities and Other Trading Assets [Line Items]
Trading		0		8,327
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale, Amortized Cost		144,107		164,740
Available-for-sale, Unrealized Gains		2,608		1,536
Available-for-sale, Unrealized Losses		(582)		(515)
Available-for-sale		146,133		165,761
Municipal
Schedule of Trading Securities and Other Trading Assets [Line Items]
Trading		0		0
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale, Amortized Cost		24,085		27,568
Available-for-sale, Unrealized Gains		2		19
Available-for-sale, Unrealized Losses		(559)		(424)
Available-for-sale		23,528		27,163
Non-agency
Schedule of Trading Securities and Other Trading Assets [Line Items]
Trading		0		8,327
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale, Amortized Cost		120,022		137,172
Available-for-sale, Unrealized Gains		2,606		1,517
Available-for-sale, Unrealized Losses		(23)		(91)
Available-for-sale		$ 122,605		$ 138,598
[1]	U.S. government-backed or government sponsored enterprises including Fannie Mae, Freddie Mac and Ginnie Mae.
[2]	Residential mortgage-backed security (RMBS) distributions include impact of expected prepayments and other timing factors.
[3]	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.

SECURITIES - NARRATIVE (Details

SECURITIES - NARRATIVE (Details) $ in Thousands		3 Months Ended		6 Months Ended
		Dec. 31, 2017USD ($)security	Dec. 31, 2016USD ($)	Dec. 31, 2017USD ($)security	Dec. 31, 2016USD ($)	Sep. 30, 2017USD ($)	Jun. 30, 2017USD ($)security	Sep. 30, 2016USD ($)	Jun. 30, 2016USD ($)
Available-for-sale Securities [Abstract]
Available-for-sale		$ 191,725		$ 191,725			$ 264,470
Loss on sale of securities accounted for as debt securities acquired with deteriorated credit quality		861
Available-for-sale securities pledged as collateral		$ 1,211		$ 1,211			$ 6,183
Number of securities in a continuous loss position | security		25		25			16
Cumulative credit losses on debt securities		$ 110	$ 16,631	$ 110	$ 16,631	$ 15,677	$ 15,528	$ 20,611	$ 20,865
Credit losses on debt securities previously recognized in earnings		0	$ 1,350	149	$ 1,470
Proceeds from sale of trading securities				8,700
Gains realized on sale of trading securities				282
Non-Agency RMBS
Available-for-sale Securities [Abstract]
Available-for-sale	[1]	24,791		24,791			$ 71,503
RMBS, Super Senior Securities
Available-for-sale Securities [Abstract]
Available-for-sale		$ 24,725		$ 24,725
Available-for-sale, number of securities | security		19		19
Non-Agency RMBS, Mezzanine Z-Tranche Securities
Available-for-sale Securities [Abstract]
Available-for-sale		$ 66		$ 66
Available-for-sale, number of securities | security		2		2
RMBS, Senior-Support Securities
Available-for-sale Securities [Abstract]
Number of securities account for as debt security acquired with deteriorated credit quality | security		1		1
Non-Agency RMBS
Available-for-sale Securities [Abstract]
Carrying amount of securities with cumulative credit losses		$ 1,366		$ 1,366
Cumulative credit losses on debt securities		110		$ 110
Credit losses on debt securities previously recognized in earnings		$ 7
Number of securities with other than temporary impairment | security		1		1
Carrying value of securities with other than temporary impairment		$ 1,300		$ 1,300
[1]	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.

SECURITIES - SCHEDULE OF UNREAL

SECURITIES - SCHEDULE OF UNREALIZED LOSS ON INVESTMENTS (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Jun. 30, 2017
Available-for-sale securities in loss position for
Available-for-sale securities in loss position for less than 12 months, Fair Value	$ 4,905	$ 60,829
Available-for-sale securities in loss position, Gross Unrealized Losses	(79)	(901)
Available-for-sale securities in loss position for more than 12 months, Fair Value	53,025	29,202
Available-for-sale securities in loss position for more than 12 months, Gross Unrealized Losses	(2,295)	(1,377)
Available-for-sale securities in loss position, Total, Fair Value	57,930	90,031
Available-for-sale securities in loss position, Gross Unrealized Losses	(2,374)	(2,278)
Mortgage-backed securities (RMBS)
Available-for-sale securities in loss position for
Available-for-sale securities in loss position for less than 12 months, Fair Value	1,637	19,648
Available-for-sale securities in loss position, Gross Unrealized Losses	(63)	(390)
Available-for-sale securities in loss position for more than 12 months, Fair Value	33,822	27,445
Available-for-sale securities in loss position for more than 12 months, Gross Unrealized Losses	(1,729)	(1,373)
Available-for-sale securities in loss position, Total, Fair Value	35,459	47,093
Available-for-sale securities in loss position, Gross Unrealized Losses	(1,792)	(1,763)
U.S. agencies
Available-for-sale securities in loss position for
Available-for-sale securities in loss position for less than 12 months, Fair Value	2	17,161
Available-for-sale securities in loss position, Gross Unrealized Losses	0	(374)
Available-for-sale securities in loss position for more than 12 months, Fair Value	13,788	2,348
Available-for-sale securities in loss position for more than 12 months, Gross Unrealized Losses	(400)	(85)
Available-for-sale securities in loss position, Total, Fair Value	13,790	19,509
Available-for-sale securities in loss position, Gross Unrealized Losses	(400)	(459)
Non-Agency RMBS
Available-for-sale securities in loss position for
Available-for-sale securities in loss position for less than 12 months, Fair Value	1,635	2,487
Available-for-sale securities in loss position, Gross Unrealized Losses	(63)	(16)
Available-for-sale securities in loss position for more than 12 months, Fair Value	20,034	25,097
Available-for-sale securities in loss position for more than 12 months, Gross Unrealized Losses	(1,329)	(1,288)
Available-for-sale securities in loss position, Total, Fair Value	21,669	27,584
Available-for-sale securities in loss position, Gross Unrealized Losses	(1,392)	(1,304)
Other Debt Securities
Available-for-sale securities in loss position for
Available-for-sale securities in loss position for less than 12 months, Fair Value	3,268	41,181
Available-for-sale securities in loss position, Gross Unrealized Losses	(16)	(511)
Available-for-sale securities in loss position for more than 12 months, Fair Value	19,203	1,757
Available-for-sale securities in loss position for more than 12 months, Gross Unrealized Losses	(566)	(4)
Available-for-sale securities in loss position, Total, Fair Value	22,471	42,938
Available-for-sale securities in loss position, Gross Unrealized Losses	(582)	(515)
U.S. agencies
Available-for-sale securities in loss position for
Available-for-sale securities in loss position for less than 12 months, Fair Value	0
Available-for-sale securities in loss position, 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, Gross Unrealized Losses	0
Municipal
Available-for-sale securities in loss position for
Available-for-sale securities in loss position for less than 12 months, Fair Value	2,273	13,431
Available-for-sale securities in loss position, Gross Unrealized Losses	(10)	(420)
Available-for-sale securities in loss position for more than 12 months, Fair Value	12,499	1,757
Available-for-sale securities in loss position for more than 12 months, Gross Unrealized Losses	(549)	(4)
Available-for-sale securities in loss position, Total, Fair Value	14,772	15,188
Available-for-sale securities in loss position, Gross Unrealized Losses	(559)	(424)
Non-agency
Available-for-sale securities in loss position for
Available-for-sale securities in loss position for less than 12 months, Fair Value	995	27,750
Available-for-sale securities in loss position, Gross Unrealized Losses	(6)	(91)
Available-for-sale securities in loss position for more than 12 months, Fair Value	6,704	0
Available-for-sale securities in loss position for more than 12 months, Gross Unrealized Losses	(17)	0
Available-for-sale securities in loss position, Total, Fair Value	7,699	27,750
Available-for-sale securities in loss position, Gross Unrealized Losses	$ (23)	$ (91)

SECURITIES - OTHER THAN TEMPORA

SECURITIES - OTHER THAN TEMPORARY IMPAIRMENT, CREDIT LOSSES RECOGNIZED IN EARNINGS (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2017	Dec. 31, 2016
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Roll Forward]
Beginning balance	$ (15,677)	$ (20,611)	$ (15,528)	$ (20,865)
Additions for the amounts related to credit loss for which an other-than-temporary impairment was not previously recognized	(7)	0	(7)	0
Increases to the amount related to the credit loss for which other-than-temporary impairment was previously recognized	0	(1,350)	(149)	(1,470)
Credit losses realized for securities sold	15,574	5,330	15,574	5,704
Ending balance	$ (110)	$ (16,631)	$ (110)	$ (16,631)

SECURITIES - REALIZED GAIN (LOS

SECURITIES - REALIZED GAIN (LOSS) ON SALE OF SECURITIES (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2017	Dec. 31, 2016
Investments, Debt and Equity Securities [Abstract]
Proceeds	$ 40,045	$ 95,386	$ 40,045	$ 121,061
Gross realized gains	1,107	5,089	1,107	6,079
Gross realized losses	(1,306)	(3,467)	(1,306)	(3,467)
Net realized gain on securities	$ (199)	$ 1,622	$ (199)	$ 2,612

SECURITIES - UNREALIZED GAIN (L

SECURITIES - UNREALIZED GAIN (LOSS) ON INVESTMENTS (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Jun. 30, 2017
Investments, Debt and Equity Securities [Abstract]
Available-for-sale debt securities—net unrealized gains	$ 687	$ 6,949
Available-for-sale debt securities—non-credit related losses	(173)	(6,115)
Subtotal	514	834
Tax (expense) benefit	(148)	(347)
Net unrealized gain (loss) on investment securities in accumulated other comprehensive income (loss)	$ 366	$ 487

SECURITIES - INVESTMENTS CLASSI

SECURITIES - INVESTMENTS CLASSIFIED BY CONTRACTUAL MATURITY DATE (Details) - USD ($) $ in Thousands		Dec. 31, 2017		Jun. 30, 2017
Available-for-sale, Amortized Cost:
Available-for-sale, Amortized Cost		$ 191,038
Available-for-sale, Fair Value:
Available-for-sale, Fair Value		191,725		$ 264,470
Agency RMBS
Available-for-sale, Amortized Cost:
Due within one year	[1]	1,199
Due one to five years	[1]	4,150
Due five to ten years	[1]	4,138
Due after ten years	[1]	11,461
Available-for-sale, Amortized Cost	[1]	20,948
Available-for-sale, Fair Value:
Due within one year	[1]	1,186
Due one to five years	[1]	4,124
Due five to ten years	[1]	4,145
Due after ten years	[1]	11,346
Available-for-sale, Fair Value	[2]	20,801	[1]	27,206
Non-Agency RMBS
Available-for-sale, Amortized Cost:
Due within one year		3,912
Due one to five years		12,201
Due five to ten years		7,317
Due after ten years		2,553
Available-for-sale, Amortized Cost		25,983
Available-for-sale, Fair Value:
Due within one year		3,771
Due one to five years		11,677
Due five to ten years		6,932
Due after ten years		2,411
Available-for-sale, Fair Value	[3]	24,791		71,503
Other Debt Securities
Available-for-sale, Amortized Cost:
Due within one year		41,846
Due one to five years		88,431
Due five to ten years		0
Due after ten years		13,830
Available-for-sale, Amortized Cost		144,107
Available-for-sale, Fair Value:
Due within one year		43,122
Due one to five years		89,733
Due five to ten years		0
Due after ten years		13,278
Available-for-sale, Fair Value		$ 146,133		$ 165,761
[1]	Residential mortgage-backed security (RMBS) distributions include impact of expected prepayments and other timing factors.
[2]	U.S. government-backed or government sponsored enterprises including Fannie Mae, Freddie Mac and Ginnie Mae.
[3]	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.

LOANS, LEASES & ALLOWANCE FOR42

LOANS, LEASES & ALLOWANCE FOR LOAN AND LEASE LOSSES - LOAN PORTFOLIO COMPOSITION (Details) - USD ($) $ in Thousands		Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans and leases		$ 7,969,063		$ 7,449,261
Allowance for loan and lease losses		(45,606)	$ (42,099)	(40,832)	$ (40,928)	$ (37,596)	$ (35,826)
Unaccreted discounts and loan and lease fees		(49,026)		(33,936)
Total net loans and leases		7,874,431		7,374,493
Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans and leases		3,981,075		3,901,754
Allowance for loan and lease losses		(19,721)	(19,815)	(19,972)	(19,243)	(19,483)	(18,666)
Unaccreted discounts and loan and lease fees		9,315		10,486
Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans and leases		2,487		2,092
Allowance for loan and lease losses		(20)	(20)	(19)	(22)	(22)	(23)
Unaccreted discounts and loan and lease fees		41		34
Warehouse & Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans and leases		495,669		452,390
Allowance for loan and lease losses		(2,496)	(3,132)	(2,298)	(2,179)	(2,554)	(2,685)
Unaccreted discounts and loan and lease fees		(1,113)		(1,702)
Multifamily real estate secured
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans and leases		1,698,450		1,619,404
Allowance for loan and lease losses		(4,830)	(4,838)	(4,638)	(3,913)	(3,922)	(3,938)
Unaccreted discounts and loan and lease fees		4,464		4,586
Commercial real estate secured
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans and leases		176,147		162,715
Allowance for loan and lease losses		(805)	(914)	(1,008)	(1,001)	(917)	(882)
Unaccreted discounts and loan and lease fees		713		744
Auto and RV secured
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans and leases		189,557		154,246
Allowance for loan and lease losses		(2,907)	(2,958)	(2,379)	(2,017)	(1,914)	(1,615)
Unaccreted discounts and loan and lease fees		2,200		2,054
Factoring
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans and leases		194,252		160,674
Allowance for loan and lease losses		(481)	(462)	(401)	(339)	(294)	(245)
Unaccreted discounts and loan and lease fees		(60,230)		(49,350)
Commercial & Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans and leases		1,151,904		992,232
Allowance for loan and lease losses		(11,490)	(9,614)	(9,881)	(9,764)	(8,411)	(7,630)
Unaccreted discounts and loan and lease fees		(1,835)		(640)
Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans and leases		79,522		3,754
Allowance for loan and lease losses		(2,856)	$ (346)	(236)	$ (2,450)	$ (79)	$ (142)
Unaccreted discounts and loan and lease fees		(2,581)		(148)
Single family warehouse loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans and leases		190,357		187,034
Residential Portfolio Segment | Mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans and leases		3,981,075		3,901,754
Residential Portfolio Segment | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans and leases		2,487		2,092
Residential Portfolio Segment | Warehouse & Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans and leases	[1]	495,669		452,390
Residential Portfolio Segment | Multifamily real estate secured
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans and leases		1,698,450		1,619,404
Commercial Real Estate Portfolio Segment | Commercial real estate secured
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans and leases		176,147		162,715
Consumer Portfolio Segment | Auto and RV secured
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans and leases		189,557		154,246
Commercial Portfolio Segment | Commercial & Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans and leases		1,151,904		992,232
Unallocated Financing Receivables | Factoring
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans and leases		194,252		160,674
Unallocated Financing Receivables | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total gross loans and leases		$ 79,522		$ 3,754
[1]	The balance of single family warehouse loans was $190,357 at December 31, 2017 and $187,034 at June 30, 2017. The remainder of the balance was attributable to single family real estate secured commercial specialty and lender finance loans.

LOANS, LEASES & ALLOWANCE FOR43

LOANS, LEASES & ALLOWANCE FOR LOAN AND LEASE LOSSES - ALLOWANCE FOR CREDIT LOSS NARRATIVE (Details) $ in Thousands	6 Months Ended
	Dec. 31, 2017USD ($)class	Jun. 30, 2017USD ($)
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases collectively evaluated for impairment	$ 7,939,074	$ 7,420,868
Number of classes loans are divided for LTV analysis | class	2
Auto and RV secured
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases collectively evaluated for impairment	$ 189,405
Auto and RV secured | FICO greater than or equal to 770
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases collectively evaluated for impairment	94,210
Auto and RV secured | FICO 715 - 769
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases collectively evaluated for impairment	64,411
Auto and RV secured | FICO 700 - 714
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases collectively evaluated for impairment	15,736
Auto and RV secured | FICO 660 - 699
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases collectively evaluated for impairment	13,520
Auto and RV secured | FICO less than 660
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases collectively evaluated for impairment	1,528
Mortgage
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases collectively evaluated for impairment	3,954,404	3,878,377
Mortgage | LTV less than or equal to 60%
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases collectively evaluated for impairment	2,303,779
Mortgage | LTV 61% - 70%
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases collectively evaluated for impairment	1,317,002
Mortgage | LTV 71% - 80%
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases collectively evaluated for impairment	333,428
Mortgage | LTV greater than 80%
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases collectively evaluated for impairment	195
Multifamily real estate secured
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases collectively evaluated for impairment	1,695,450	$ 1,615,149
Multifamily real estate secured | LTV greater than 80%
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases collectively evaluated for impairment	0
Multifamily real estate secured | LTV less than or equal to 55%
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases collectively evaluated for impairment	886,901
Multifamily real estate secured | LTV 56% - 65%
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases collectively evaluated for impairment	520,878
Multifamily real estate secured | LTV 66% - 75%
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases collectively evaluated for impairment	278,070
Multifamily real estate secured | LTV 76% - 80%
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases collectively evaluated for impairment	9,601
Commercial Real Estate and Land Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases collectively evaluated for impairment	176,147
Commercial Real Estate and Land Loan [Member] | LTV 61% - 70%
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases collectively evaluated for impairment	46,635
Commercial Real Estate and Land Loan [Member] | LTV 71% - 80%
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases collectively evaluated for impairment	10,174
Commercial Real Estate and Land Loan [Member] | LTV less than or equal to 50%
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases collectively evaluated for impairment	80,086
Commercial Real Estate and Land Loan [Member] | LTV 51% - 60%
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and leases collectively evaluated for impairment	$ 39,252

LOANS, LEASES & ALLOWANCE FOR44

LOANS, LEASES & ALLOWANCE FOR LOAN AND LEASE LOSSES - ALLOWANCE FOR LOAN LOSS BY PORTFOLIO CLASS (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2017	Dec. 31, 2016
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period	$ 42,099	$ 37,596	$ 40,832	$ 35,826
Provision for loan and lease losses	4,000	4,100	5,000	6,000
Charge-offs	(642)	(938)	(876)	(1,163)
Recoveries	149	170	650	265
Balance, end of period	45,606	40,928	45,606	40,928
Mortgage
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period	19,815	19,483	19,972	18,666
Provision for loan and lease losses	(83)	601	(159)	1,400
Charge-offs	(11)	(841)	(96)	(868)
Recoveries	0	0	4	45
Balance, end of period	19,721	19,243	19,721	19,243
Home equity
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period	20	22	19	23
Provision for loan and lease losses	(4)	(16)	(6)	(21)
Charge-offs	0	0		0
Recoveries	4	16	7	20
Balance, end of period	20	22	20	22
Warehouse & Other
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period	3,132	2,554	2,298	2,685
Provision for loan and lease losses	(349)	(375)	485	(506)
Charge-offs	(287)	0	(287)	0
Recoveries	0	0	0	0
Balance, end of period	2,496	2,179	2,496	2,179
Multifamily real estate secured
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period	4,838	3,922	4,638	3,938
Provision for loan and lease losses	(8)	(9)	192	(25)
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Balance, end of period	4,830	3,913	4,830	3,913
Commercial real estate secured
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period	914	917	1,008	882
Provision for loan and lease losses	(109)	84	(203)	142
Charge-offs	0	0	0	(23)
Recoveries	0	0	0	0
Balance, end of period	805	1,001	805	1,001
Auto and RV secured
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period	2,958	1,914	2,379	1,615
Provision for loan and lease losses	104	123	729	449
Charge-offs	(191)	(66)	(339)	(139)
Recoveries	36	46	138	92
Balance, end of period	2,907	2,017	2,907	2,017
Factoring
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period	462	294	401	245
Provision for loan and lease losses	19	45	80	94
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Balance, end of period	481	339	481	339
Commercial & Industrial
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period	9,614	8,411	9,881	7,630
Provision for loan and lease losses	1,876	1,353	1,609	2,134
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Balance, end of period	11,490	9,764	11,490	9,764
Other
Allowance for Loan and Lease Losses [Roll Forward]
Balance, beginning of period	346	79	236	142
Provision for loan and lease losses	2,554	2,294	2,273	2,333
Charge-offs	(153)	(31)	(154)	(133)
Recoveries	109	108	501	108
Balance, end of period	$ 2,856	$ 2,450	$ 2,856	$ 2,450

LOANS, LEASES & ALLOWANCE FOR45

LOANS, LEASES & ALLOWANCE FOR LOAN AND LEASE LOSSES - LOANS INDIVIDUALLY EVALUATED FOR IMPAIRMENT (Details) - USD ($) $ in Thousands		Dec. 31, 2017	Jun. 30, 2017
With an allowance recorded:
Unpaid Principal Balance		$ 33,820	$ 32,084
Principal Balance Adjustment	[1]	3,831	3,691
Unpaid Book Balance		29,989	28,393
Accrued Interest / Origination Fees		678	413
Recorded Investment		30,667	28,806
Related Allocation of General Allowance		887	1,058
Related Allocation of Specific Allowance		$ 0	$ 0
As a % of total gross loans and leases
Unpaid Principal Balance		0.42%	0.43%
Principal Balance Adjustment	[1]	0.04%	0.05%
Unpaid Book Balance		0.38%	0.38%
Accrued Interest / Origination Fees		0.01%	0.01%
Recorded Investment		0.39%	0.39%
Related Allocation of General Allowance		0.01%	0.01%
Related Allocation of Specific Allowance		0.00%	0.00%
Mortgage | In-house originated
With no related allowance recorded:
Unpaid Principal Balance		$ 2,954	$ 4,240
Principal Balance Adjustment		974	1,032
Unpaid Book Balance		1,980	3,208
Accrued Interest / Origination Fees		279	205
Recorded Investment		2,259	3,413
With an allowance recorded:
Unpaid Principal Balance		21,065	16,124
Principal Balance Adjustment	[1]	12	12
Unpaid Book Balance		21,053	16,112
Accrued Interest / Origination Fees		0	0
Recorded Investment		21,053	16,112
Related Allocation of General Allowance		746	643
Related Allocation of Specific Allowance		0	0
Mortgage | Purchased
With no related allowance recorded:
Unpaid Principal Balance		4,153	4,563
Principal Balance Adjustment		1,916	1,903
Unpaid Book Balance		2,237	2,660
Accrued Interest / Origination Fees		1	0
Recorded Investment		2,238	2,660
With an allowance recorded:
Unpaid Principal Balance		1,437	1,429
Principal Balance Adjustment	[1]	36	32
Unpaid Book Balance		1,401	1,397
Accrued Interest / Origination Fees		23	17
Recorded Investment		1,424	1,414
Related Allocation of General Allowance		49	37
Related Allocation of Specific Allowance		0	0
Multifamily real estate secured | In-house originated
With an allowance recorded:
Unpaid Principal Balance		3,031	4,170
Principal Balance Adjustment	[1]	285	192
Unpaid Book Balance		2,746	3,978
Accrued Interest / Origination Fees		369	186
Recorded Investment		3,115	4,164
Related Allocation of General Allowance		14	19
Related Allocation of Specific Allowance		0	0
Multifamily real estate secured | Purchased
With no related allowance recorded:
Unpaid Principal Balance		486	492
Principal Balance Adjustment		232	215
Unpaid Book Balance		254	277
Accrued Interest / Origination Fees		0	0
Recorded Investment		254	277
Auto and RV secured | In-house originated
With no related allowance recorded:
Unpaid Principal Balance		500	418
Principal Balance Adjustment		367	295
Unpaid Book Balance		133	123
Accrued Interest / Origination Fees		5	3
Recorded Investment		138	126
With an allowance recorded:
Unpaid Principal Balance		28	42
Principal Balance Adjustment	[1]	9	8
Unpaid Book Balance		19	34
Accrued Interest / Origination Fees		1	2
Recorded Investment		20	36
Related Allocation of General Allowance		1	1
Related Allocation of Specific Allowance		0	0
Home equity | In-house originated
With an allowance recorded:
Unpaid Principal Balance		16	18
Principal Balance Adjustment	[1]	0	2
Unpaid Book Balance		16	16
Accrued Interest / Origination Fees		0	0
Recorded Investment		16	16
Related Allocation of General Allowance		1	1
Related Allocation of Specific Allowance		0	0
Commercial & Industrial
With an allowance recorded:
Unpaid Principal Balance			314
Principal Balance Adjustment	[1]		0
Unpaid Book Balance			314
Accrued Interest / Origination Fees			0
Recorded Investment			314
Related Allocation of General Allowance			314
Related Allocation of Specific Allowance			0
Other
With an allowance recorded:
Unpaid Principal Balance		150	274
Principal Balance Adjustment	[1]	0	0
Unpaid Book Balance		150	274
Accrued Interest / Origination Fees		0	0
Recorded Investment		150	274
Related Allocation of General Allowance		76	43
Related Allocation of Specific Allowance		$ 0	$ 0
[1]	Impaired loans with an allowance recorded do not have any charge-offs. Principal balance adjustments on impaired loans with an allowance recorded represent interest payments that have been applied to the book balance as a result of the loans’ non-accrual status.

LOANS, LEASES & ALLOWANCE FOR46

LOANS, LEASES & ALLOWANCE FOR LOAN AND LEASE LOSSES - ALLOWANCE FOR LOAN LOSS BY PORTFOLIO SEGMENT (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Dec. 31, 2017	Jun. 30, 2017
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment – general allowance	$ 887	$ 1,058
Individually evaluated for impairment – specific allowance	0	0
Collectively evaluated for impairment	44,719	39,774
Total ending allowance balance	45,606	40,832
Loans and leases individually evaluated for impairment	29,989	28,393
Loans and leases collectively evaluated for impairment	7,939,074	7,420,868
Principal loan and lease balance	7,969,063	7,449,261
Unaccreted discounts and loan and lease fees	(49,026)	(33,936)
Accrued interest receivable	23,744	18,656
Total recorded investment in loans and leases	$ 7,943,781	$ 7,433,981
Threshold period for TDRs to be considered performing	6 months	6 months
Mortgage
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment – general allowance	$ 795	$ 680
Individually evaluated for impairment – specific allowance	0	0
Collectively evaluated for impairment	18,926	19,292
Total ending allowance balance	19,721	19,972
Loans and leases individually evaluated for impairment	26,671	23,377
Loans and leases collectively evaluated for impairment	3,954,404	3,878,377
Principal loan and lease balance	3,981,075	3,901,754
Unaccreted discounts and loan and lease fees	9,315	10,486
Accrued interest receivable	9,788	8,831
Total recorded investment in loans and leases	4,000,178	3,921,071
Home equity
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment – general allowance	1	1
Individually evaluated for impairment – specific allowance	0	0
Collectively evaluated for impairment	19	18
Total ending allowance balance	20	19
Loans and leases individually evaluated for impairment	16	16
Loans and leases collectively evaluated for impairment	2,471	2,076
Principal loan and lease balance	2,487	2,092
Unaccreted discounts and loan and lease fees	41	34
Accrued interest receivable	5	1
Total recorded investment in loans and leases	2,533	2,127
Warehouse & Other
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment – general allowance	0	0
Individually evaluated for impairment – specific allowance	0	0
Collectively evaluated for impairment	2,496	2,298
Total ending allowance balance	2,496	2,298
Loans and leases individually evaluated for impairment	0	0
Loans and leases collectively evaluated for impairment	495,669	452,390
Principal loan and lease balance	495,669	452,390
Unaccreted discounts and loan and lease fees	(1,113)	(1,702)
Accrued interest receivable	2,092	(766)
Total recorded investment in loans and leases	496,648	449,922
Multifamily real estate secured
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment – general allowance	14	19
Individually evaluated for impairment – specific allowance	0	0
Collectively evaluated for impairment	4,816	4,619
Total ending allowance balance	4,830	4,638
Loans and leases individually evaluated for impairment	3,000	4,255
Loans and leases collectively evaluated for impairment	1,695,450	1,615,149
Principal loan and lease balance	1,698,450	1,619,404
Unaccreted discounts and loan and lease fees	4,464	4,586
Accrued interest receivable	5,153	4,946
Total recorded investment in loans and leases	1,708,067	1,628,936
Commercial real estate secured
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment – general allowance	0	0
Individually evaluated for impairment – specific allowance	0	0
Collectively evaluated for impairment	805	1,008
Total ending allowance balance	805	1,008
Loans and leases individually evaluated for impairment	0	0
Loans and leases collectively evaluated for impairment	176,147	162,715
Principal loan and lease balance	176,147	162,715
Unaccreted discounts and loan and lease fees	713	744
Accrued interest receivable	481	377
Total recorded investment in loans and leases	177,341	163,836
Auto and RV secured
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment – general allowance	1	1
Individually evaluated for impairment – specific allowance	0	0
Collectively evaluated for impairment	2,906	2,378
Total ending allowance balance	2,907	2,379
Loans and leases individually evaluated for impairment	152	157
Loans and leases collectively evaluated for impairment	189,405	154,089
Principal loan and lease balance	189,557	154,246
Unaccreted discounts and loan and lease fees	2,200	2,054
Accrued interest receivable	405	284
Total recorded investment in loans and leases	192,162	156,584
Factoring
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment – general allowance	0	0
Individually evaluated for impairment – specific allowance	0	0
Collectively evaluated for impairment	481	401
Total ending allowance balance	481	401
Loans and leases individually evaluated for impairment	0	0
Loans and leases collectively evaluated for impairment	194,252	160,674
Principal loan and lease balance	194,252	160,674
Unaccreted discounts and loan and lease fees	(60,230)	(49,350)
Accrued interest receivable	168	213
Total recorded investment in loans and leases	134,190	111,537
Commercial & Industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment – general allowance	0	314
Individually evaluated for impairment – specific allowance	0	0
Collectively evaluated for impairment	11,490	9,567
Total ending allowance balance	11,490	9,881
Loans and leases individually evaluated for impairment	0	314
Loans and leases collectively evaluated for impairment	1,151,904	991,918
Principal loan and lease balance	1,151,904	992,232
Unaccreted discounts and loan and lease fees	(1,835)	(640)
Accrued interest receivable	4,653	4,757
Total recorded investment in loans and leases	1,154,722	996,349
Other
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment – general allowance	76	43
Individually evaluated for impairment – specific allowance	0	0
Collectively evaluated for impairment	2,780	193
Total ending allowance balance	2,856	236
Loans and leases individually evaluated for impairment	150	274
Loans and leases collectively evaluated for impairment	79,372	3,480
Principal loan and lease balance	79,522	3,754
Unaccreted discounts and loan and lease fees	(2,581)	(148)
Accrued interest receivable	999	13
Total recorded investment in loans and leases	$ 77,940	$ 3,619

LOANS, LEASES & ALLOWANCE FOR47

LOANS, LEASES & ALLOWANCE FOR LOAN AND LEASE LOSSES - NONPERFORMING LOANS (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Jun. 30, 2017
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-performing loans and leases	$ 29,989	$ 28,393
Total non-performing loans secured by real estate	$ 29,687	$ 27,648
Non-performing loans and leases to total loans and leases	0.38%	0.38%
Mortgage | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-performing loans and leases	$ 23,033	$ 19,320
Mortgage | Purchased
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-performing loans and leases	3,638	4,057
Home equity | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-performing loans and leases	16	16
Multifamily real estate secured | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-performing loans and leases	2,746	3,978
Multifamily real estate secured | Purchased
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-performing loans and leases	254	277
Auto and RV secured
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-performing loans and leases	152	157
Commercial & Industrial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-performing loans and leases	0	314
Other
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total non-performing loans and leases	$ 150	$ 274

LOANS, LEASES & ALLOWANCE FOR48

LOANS, LEASES & ALLOWANCE FOR LOAN AND LEASE LOSSES - NONPERFORMING LOANS NARRATIVE (Details) - loan	6 Months Ended	12 Months Ended
	Dec. 31, 2017	Jun. 30, 2017
Financing Receivable, Impaired [Line Items]
Number of loans and leases past due over 90 days and still accruing	0
Ratio of nonperforming loans and leases considered TDRs	4.63%	5.56%
Threshold period for TDRs to be considered performing	6 months	6 months
Period of delinquent property taxes paid by the borrower	1 year
Auto and RV secured | Minimum
Financing Receivable, Impaired [Line Items]
Period for interest-only payment made by the borrowers that reverted loan to fully amortizing	6 months
Auto and RV secured | Maximum
Financing Receivable, Impaired [Line Items]
Period for interest-only payment made by the borrowers that reverted loan to fully amortizing	1 year
Non-performing | Mortgage
Financing Receivable, Impaired [Line Items]
Ratio of non-performing loans and leases that are single family mortgage	88.94%
Percentage of aggregate single family first mortgage loans and leases written down	46.80%

LOANS, LEASES & ALLOWANCE FOR49

LOANS, LEASES & ALLOWANCE FOR LOAN AND LEASE LOSSES - UNPAID PRINCIPAL BALANCE FOR PERFORMING AND NONPERFORMING (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Jun. 30, 2017
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	$ 7,969,063	$ 7,449,261
Mortgage
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	3,981,075	3,901,754
Home equity
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	2,487	2,092
Warehouse & Other
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	495,669	452,390
Multifamily real estate secured
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	1,698,450	1,619,404
Commercial real estate secured
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	176,147	162,715
Auto and RV secured
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	189,557	154,246
Factoring
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	194,252	160,674
Commercial & Industrial
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	1,151,904	992,232
Other
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	79,522	3,754
Performing
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	7,939,074	7,420,868
Performing | Mortgage
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	3,954,404	3,878,377
Performing | Home equity
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	2,471	2,076
Performing | Warehouse & Other
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	495,669	452,390
Performing | Multifamily real estate secured
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	1,695,450	1,615,149
Performing | Commercial real estate secured
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	176,147	162,715
Performing | Auto and RV secured
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	189,405	154,089
Performing | Factoring
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	194,252	160,674
Performing | Commercial & Industrial
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	1,151,904	991,918
Performing | Other
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	79,372	3,480
Non-performing
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	29,989	28,393
Non-performing | Mortgage
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	26,671	23,377
Non-performing | Home equity
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	16	16
Non-performing | Warehouse & Other
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0	0
Non-performing | Multifamily real estate secured
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	3,000	4,255
Non-performing | Commercial real estate secured
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0	0
Non-performing | Auto and RV secured
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	152	157
Non-performing | Factoring
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0	0
Non-performing | Commercial & Industrial
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0	314
Non-performing | Other
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	$ 150	$ 274

LOANS, LEASES & ALLOWANCE FOR50

LOANS, LEASES & ALLOWANCE FOR LOAN AND LEASE LOSSES - PERFORMING AND NONPERFORMING BY CLASS AND SOURCE (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Jun. 30, 2017
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	$ 7,969,063	$ 7,449,261
Mortgage
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	3,981,075	3,901,754
Mortgage | Origination
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	3,935,027	3,846,969
Mortgage | Purchase
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	46,048	54,785
Multifamily real estate secured
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	1,698,450	1,619,404
Multifamily real estate secured | Origination
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	1,617,638	1,532,890
Multifamily real estate secured | Purchase
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	80,812	86,514
Commercial real estate secured
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	176,147	162,715
Commercial real estate secured | Origination
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	165,157	150,880
Commercial real estate secured | Purchase
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	10,990	11,835
Performing
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	7,939,074	7,420,868
Performing | Mortgage
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	3,954,404	3,878,377
Performing | Mortgage | Origination
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	3,911,994	3,827,649
Performing | Mortgage | Purchase
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	42,410	50,728
Performing | Multifamily real estate secured
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	1,695,450	1,615,149
Performing | Multifamily real estate secured | Origination
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	1,614,892	1,528,912
Performing | Multifamily real estate secured | Purchase
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	80,558	86,237
Performing | Commercial real estate secured
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	176,147	162,715
Performing | Commercial real estate secured | Origination
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	165,157	150,880
Performing | Commercial real estate secured | Purchase
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	10,990	11,835
Non-performing
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	29,989	28,393
Non-performing | Mortgage
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	26,671	23,377
Non-performing | Mortgage | Origination
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	23,033	19,320
Non-performing | Mortgage | Purchase
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	3,638	4,057
Non-performing | Multifamily real estate secured
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	3,000	4,255
Non-performing | Multifamily real estate secured | Origination
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	2,746	3,978
Non-performing | Multifamily real estate secured | Purchase
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	254	277
Non-performing | Commercial real estate secured
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0	0
Non-performing | Commercial real estate secured | Origination
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0	0
Non-performing | Commercial real estate secured | Purchase
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	$ 0	$ 0

LOANS, LEASES & ALLOWANCE FOR51

LOANS, LEASES & ALLOWANCE FOR LOAN AND LEASE LOSSES - TROUBLED DEBT RESTRUCTURINGS BY CLASS (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Jun. 30, 2017
Financing Receivable, Modifications [Line Items]
Performing loans temporarily modified as TDR	$ 0		$ 0		$ 0
Non-performing loans and leases	29,989		29,989		28,393
Total impaired loans and leases	29,989		29,989		28,393
Interest income recognized on performing TDRs	0	$ 3	0	$ 6
Average balances of performing TDRs	0	207	0	208
Average balances of impaired loans	31,044	38,505	30,160	36,357
Mortgage
Financing Receivable, Modifications [Line Items]
Performing loans temporarily modified as TDR	0		0		0
Non-performing loans and leases	26,671		26,671		23,377
Total impaired loans and leases	26,671		26,671		23,377
Interest income recognized on performing TDRs	0	3	0	6
Average balances of performing TDRs	0	207	0	208
Average balances of impaired loans	27,083	31,855	25,847	30,773
Home equity
Financing Receivable, Modifications [Line Items]
Performing loans temporarily modified as TDR	0		0		0
Non-performing loans and leases	16		16		16
Total impaired loans and leases	16		16		16
Interest income recognized on performing TDRs	0	0	0	0
Average balances of performing TDRs	0	0	0	0
Average balances of impaired loans	16	40	16	37
Warehouse & Other
Financing Receivable, Modifications [Line Items]
Performing loans temporarily modified as TDR	0		0		0
Non-performing loans and leases	0		0		0
Total impaired loans and leases	0		0		0
Interest income recognized on performing TDRs	0	0	0	0
Average balances of performing TDRs	0	0	0	0
Average balances of impaired loans	0	0	0	0
Multifamily real estate secured
Financing Receivable, Modifications [Line Items]
Performing loans temporarily modified as TDR	0		0		0
Non-performing loans and leases	3,000		3,000		4,255
Total impaired loans and leases	3,000		3,000		4,255
Interest income recognized on performing TDRs	0	0	0	0
Average balances of performing TDRs	0	0	0	0
Average balances of impaired loans	3,598	5,606	3,817	4,476
Commercial real estate secured
Financing Receivable, Modifications [Line Items]
Performing loans temporarily modified as TDR	0		0		0
Non-performing loans and leases	0		0		0
Total impaired loans and leases	0		0		0
Interest income recognized on performing TDRs	0	0	0	0
Average balances of performing TDRs	0	0	0	0
Average balances of impaired loans	0	232	0	239
Auto and RV secured
Financing Receivable, Modifications [Line Items]
Performing loans temporarily modified as TDR	0		0		0
Non-performing loans and leases	152		152		157
Total impaired loans and leases	152		152		157
Interest income recognized on performing TDRs	0	0	0	0
Average balances of performing TDRs	0	0	0	0
Average balances of impaired loans	141	262	146	267
Factoring
Financing Receivable, Modifications [Line Items]
Performing loans temporarily modified as TDR	0		0		0
Non-performing loans and leases	0		0		0
Total impaired loans and leases	0		0		0
Interest income recognized on performing TDRs	0	0	0	0
Average balances of performing TDRs	0	0	0	0
Average balances of impaired loans	0	0	0	0
Commercial & Industrial
Financing Receivable, Modifications [Line Items]
Performing loans temporarily modified as TDR	0		0		0
Non-performing loans and leases	0		0		314
Total impaired loans and leases	0		0		314
Interest income recognized on performing TDRs	0	0	0	0
Average balances of performing TDRs	0	0	0	0
Average balances of impaired loans	0	0	105	0
Other
Financing Receivable, Modifications [Line Items]
Performing loans temporarily modified as TDR	0		0		0
Non-performing loans and leases	150		150		274
Total impaired loans and leases	150		150		$ 274
Interest income recognized on performing TDRs	0	0	0	0
Average balances of performing TDRs	0	0	0	0
Average balances of impaired loans	$ 206	$ 510	$ 229	$ 565

LOANS, LEASES & ALLOWANCE FOR52

LOANS, LEASES & ALLOWANCE FOR LOAN AND LEASE LOSSES - LOANS BY CREDIT QUALITY INDICATOR (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Jun. 30, 2017
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	$ 7,969,063	$ 7,449,261
As a % of total gross loans and leases	100.00%	100.00%
Mortgage
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	$ 3,981,075	$ 3,901,754
Mortgage | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	3,935,027	3,846,969
Mortgage | Purchased
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	46,048	54,785
Home equity
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	2,487	2,092
Home equity | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	2,487	2,092
Warehouse & Other
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	495,669	452,390
Warehouse & Other | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	495,669	452,390
Multifamily real estate secured
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	1,698,450	1,619,404
Multifamily real estate secured | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	1,617,638	1,532,890
Multifamily real estate secured | Purchased
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	80,812	86,514
Commercial real estate secured
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	176,147	162,715
Commercial real estate secured | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	165,157	150,880
Commercial real estate secured | Purchased
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	10,990	11,835
Auto and RV secured
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	189,557	154,246
Auto and RV secured | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	189,557	154,246
Factoring
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	194,252	160,674
Commercial & Industrial
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	1,151,904	992,232
Commercial & Industrial | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	1,117,054
Commercial & Industrial | Purchased
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	34,850
Other
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	79,522	3,754
Pass
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	$ 7,888,092	$ 7,395,765
As a % of total gross loans and leases	99.00%	99.30%
Pass | Mortgage | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	$ 3,872,932	$ 3,808,886
Pass | Mortgage | Purchased
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	42,043	49,893
Pass | Home equity | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	2,471	2,076
Pass | Warehouse & Other | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	495,669	452,390
Pass | Multifamily real estate secured | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	1,612,658	1,526,931
Pass | Multifamily real estate secured | Purchased
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	79,561	84,775
Pass | Commercial real estate secured | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	165,157	150,880
Pass | Commercial real estate secured | Purchased
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	9,047	9,868
Pass | Auto and RV secured | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	189,391	153,994
Pass | Factoring
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	194,252	160,674
Pass | Commercial & Industrial
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases		991,918
Pass | Commercial & Industrial | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	1,112,380
Pass | Commercial & Industrial | Purchased
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	33,159
Pass | Other
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	79,372	3,480
Special Mention
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	$ 48,396	$ 23,778
As a % of total gross loans and leases	0.60%	0.30%
Special Mention | Mortgage | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	$ 39,062	$ 18,763
Special Mention | Mortgage | Purchased
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	367	538
Special Mention | Home equity | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0	0
Special Mention | Warehouse & Other | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0	0
Special Mention | Multifamily real estate secured | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	2,234	1,981
Special Mention | Multifamily real estate secured | Purchased
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0	452
Special Mention | Commercial real estate secured | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0	0
Special Mention | Commercial real estate secured | Purchased
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	1,943	1,967
Special Mention | Auto and RV secured | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	22	77
Special Mention | Factoring
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0	0
Special Mention | Commercial & Industrial
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases		0
Special Mention | Commercial & Industrial | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	4,674
Special Mention | Commercial & Industrial | Purchased
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	94
Special Mention | Other
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0	0
Substandard
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	$ 32,575	$ 29,718
As a % of total gross loans and leases	0.40%	0.40%
Substandard | Mortgage | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	$ 23,033	$ 19,320
Substandard | Mortgage | Purchased
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	3,638	4,354
Substandard | Home equity | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	16	16
Substandard | Warehouse & Other | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0	0
Substandard | Multifamily real estate secured | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	2,746	3,978
Substandard | Multifamily real estate secured | Purchased
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	1,251	1,287
Substandard | Commercial real estate secured | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0	0
Substandard | Commercial real estate secured | Purchased
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0	0
Substandard | Auto and RV secured | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	144	175
Substandard | Factoring
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0	0
Substandard | Commercial & Industrial
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases		314
Substandard | Commercial & Industrial | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0
Substandard | Commercial & Industrial | Purchased
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	1,597
Substandard | Other
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	150	274
Doubtful
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	$ 0	$ 0
As a % of total gross loans and leases	0.00%	0.00%
Doubtful | Mortgage | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	$ 0	$ 0
Doubtful | Mortgage | Purchased
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0	0
Doubtful | Home equity | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0	0
Doubtful | Warehouse & Other | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0	0
Doubtful | Multifamily real estate secured | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0	0
Doubtful | Multifamily real estate secured | Purchased
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0	0
Doubtful | Commercial real estate secured | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0	0
Doubtful | Commercial real estate secured | Purchased
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0	0
Doubtful | Auto and RV secured | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0	0
Doubtful | Factoring
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0	0
Doubtful | Commercial & Industrial
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases		0
Doubtful | Commercial & Industrial | In-house originated
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	0
Doubtful | Commercial & Industrial | Purchased
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases
Doubtful | Other
Financing Receivable, Recorded Investment [Line Items]
Total gross loans and leases	$ 0	$ 0

LOANS, LEASES & ALLOWANCE FOR53

LOANS, LEASES & ALLOWANCE FOR LOAN AND LEASE LOSSES - PAST DUE LOANS (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Jun. 30, 2017
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	$ 38,718	$ 33,421
As a % of total gross loans and leases	0.49%	0.45%
Mortgage | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	$ 31,160	$ 26,514
Mortgage | Purchased
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	2,896	2,096
Home equity | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	16	16
Multifamily real estate secured | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	2,746	3,978
Auto and RV secured
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	478
Auto and RV secured | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total		229
Factoring
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	548
Commercial & Industrial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	672	314
Other
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	202	274
30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	$ 10,078	$ 5,285
As a % of total gross loans and leases	0.13%	0.07%
30-59 Days Past Due | Mortgage | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	$ 8,409	$ 4,892
30-59 Days Past Due | Mortgage | Purchased
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	556	244
30-59 Days Past Due | Home equity | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	0	0
30-59 Days Past Due | Multifamily real estate secured | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	0	0
30-59 Days Past Due | Auto and RV secured
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	389
30-59 Days Past Due | Auto and RV secured | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total		149
30-59 Days Past Due | Factoring
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	0
30-59 Days Past Due | Commercial & Industrial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	672	0
30-59 Days Past Due | Other
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	52	0
60-89 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	$ 3,725	$ 2,503
As a % of total gross loans and leases	0.05%	0.03%
60-89 Days Past Due | Mortgage | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	$ 2,953	$ 2,325
60-89 Days Past Due | Mortgage | Purchased
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	203	101
60-89 Days Past Due | Home equity | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	0	0
60-89 Days Past Due | Multifamily real estate secured | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	0	0
60-89 Days Past Due | Auto and RV secured
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	21
60-89 Days Past Due | Auto and RV secured | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total		77
60-89 Days Past Due | Factoring
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	548
60-89 Days Past Due | Commercial & Industrial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	0	0
60-89 Days Past Due | Other
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	0	0
90 Plus Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	$ 24,915	$ 25,633
As a % of total gross loans and leases	0.31%	0.35%
90 Plus Days Past Due | Mortgage | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	$ 19,798	$ 19,297
90 Plus Days Past Due | Mortgage | Purchased
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	2,137	1,751
90 Plus Days Past Due | Home equity | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	16	16
90 Plus Days Past Due | Multifamily real estate secured | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	2,746	3,978
90 Plus Days Past Due | Auto and RV secured
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	68
90 Plus Days Past Due | Auto and RV secured | In-house originated
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total		3
90 Plus Days Past Due | Factoring
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	0
90 Plus Days Past Due | Commercial & Industrial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	0	314
90 Plus Days Past Due | Other
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total	$ 150	$ 274

INCOME TAXES (Details)

INCOME TAXES (Details) - USD ($) $ in Thousands	Jan. 01, 2018	Dec. 31, 2017	Dec. 31, 2017	Jun. 30, 2018
Investments, Owned, Federal Income Tax Note [Line Items]
Federal corporate statutory tax rate		35.00%
(Decrease) increase in deferred tax assets, net due to change in enacted tax rate		$ (8,032)	$ 8,032
Income tax expense (benefit) adjustment due to change in enacted tax rate		$ 1,866	$ (6,166)
Scenario, Forecast
Investments, Owned, Federal Income Tax Note [Line Items]
Federal corporate statutory tax rate				28.10%
Subsequent Event
Investments, Owned, Federal Income Tax Note [Line Items]
Federal corporate statutory tax rate	21.00%

EQUITY AND STOCK-BASED COMPEN55

EQUITY AND STOCK-BASED COMPENSATION - NARRATIVE (Details) - USD ($)	3 Months Ended		6 Months Ended		12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2017	Dec. 31, 2016	Jun. 30, 2017	Mar. 17, 2016
Stock Award Compensation Expense
Total amount repurchased under the program			$ 28,295,000
RSUs
Stock Award Compensation Expense
Restricted stock grants (in shares)			683,691		843,611
Vesting period for restricted stock grants			3 years	3 years
Stock award expense	$ 4,028,000	$ 3,413,000	$ 7,687,000	$ 6,450,000
Income tax benefit from stock award expense	1,771,000	1,432,000	3,267,000	2,705,000
Unrecognized compensation expense related to non-vested awards	31,356,000		31,356,000
Total fair value of shares vested in the period	3,081,000	$ 2,293,000	$ 8,726,000	$ 5,289,000
RSUs | Employees and Directors
Stock Award Compensation Expense
Restricted stock grants (in shares)			683,691	804,518
RSUs | Employees and Directors | Anniversary 1
Stock Award Compensation Expense
Vesting percentage for restricted stock grants			33.33%
RSUs | Employees and Directors | Anniversary 2
Stock Award Compensation Expense
Vesting percentage for restricted stock grants			33.33%
RSUs | Employees and Directors | Anniversary 3
Stock Award Compensation Expense
Vesting percentage for restricted stock grants			33.33%
RSUs | CEO | Anniversary 1
Stock Award Compensation Expense
Vesting percentage for restricted stock grants			25.00%
RSUs | CEO | Anniversary 2
Stock Award Compensation Expense
Vesting percentage for restricted stock grants			25.00%
RSUs | CEO | Anniversary 3
Stock Award Compensation Expense
Vesting percentage for restricted stock grants			25.00%
RSUs | CEO | Anniversary 4
Stock Award Compensation Expense
Vesting percentage for restricted stock grants			25.00%
Common Stock
Stock Award Compensation Expense
Stock repurchase program, maximum amount authorized						$ 100,000,000
Total amount repurchased under the program			$ 28,300,000
Total shares repurchased under the program (in shares)			1,003,463
Weighted average price per share repurchased under the program (in dollars per share)			$ 28.20
Remaining amount under current board authorization	$ 71,700,000		$ 71,700,000

EQUITY AND STOCK-BASED COMPEN56

EQUITY AND STOCK-BASED COMPENSATION - UNRECOGNIZED COMPENSATION EXPENSE RELATED TO NON-VESTED AWARDS (Details) - RSUs $ in Thousands	Dec. 31, 2017USD ($)
Stock Award Compensation Expense
For the remainder of 2018	$ 8,364
2,019	13,071
2,020	7,908
2,021	2,013
Unrecognized compensation expense, total	$ 31,356

EQUITY AND STOCK-BASED COMPEN57

EQUITY AND STOCK-BASED COMPENSATION - CHANGES IN RESTRICTED STOCK UNIT GRANTS (Details) - Restricted Stock Units (RSUs) - $ / shares	6 Months Ended	12 Months Ended
	Dec. 31, 2017	Jun. 30, 2017
Restricted Stock Units
Non-vested balance, beginning (in shares)	1,240,322	1,059,726
Granted (in shares)	683,691	843,611
Vested (in shares)	(328,943)	(570,764)
Canceled (in shares)	(40,876)	(92,251)
Non-vested balance, ending (in shares)	1,554,194	1,240,322
Weighted-Average Grant-Date Fair Value
Non-vested balance, beginning, Weighted Average Grant Date Fair Value (in dollars per share)	$ 22.52	$ 22.53
Granted, Weighted Average Grant Date Fair Value (in dollars per share)	26.09	21.13
Vested, Weighted Average Grant Date Fair Value (in dollars per share)	21.43	20.86
Canceled, Weighted Average Grant Date Fair Value (in dollars per share)	22.62	20.26
Non-vested balance, ending, Weighted Average Grant Date Fair Value (in dollars per share)	$ 24.32	$ 22.52

EARNINGS PER SHARE ("EPS") (Det

EARNINGS PER SHARE ("EPS") (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2017	Dec. 31, 2016
Earnings Per Share [Abstract]
Net income	$ 31,658	$ 32,300	$ 64,041	$ 61,197
Preferred stock dividends	(78)	(78)	(155)	(155)
Net income attributable to common shareholders	$ 31,580	$ 32,222	$ 63,886	$ 61,042
Average common shares outstanding (in shares)	63,487,698	63,341,437	63,557,105	63,312,805
Average unvested RSU shares (in shares)	1,496,635	1,520,103	1,457,599	1,412,167
Total basic weighted-average number of shares outstanding (in shares)	64,984,333	64,861,540	65,014,704	64,724,972
Total dilutive weighted-average number of shares outstanding (in shares)	64,984,333	64,861,540	65,014,704	64,724,972
Basic earnings per common share (in dollars per share)	$ 0.49	$ 0.50	$ 0.98	$ 0.94
Diluted earnings per common share (in dollars per share)	$ 0.49	$ 0.50	$ 0.98	$ 0.94

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Details) $ in Thousands	Jun. 02, 2017defendant	Dec. 31, 2015claim	Dec. 31, 2017USD ($)claim	Jun. 30, 2017claim	Jun. 09, 2016claim
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Loss contingency, number of new claims filed | claim		2
Loss contingency, number of pending claims | claim			2	6
Loss contingency, number of consolidated pending claims | claim					5
Mandalevy Case | Pending Litigation
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Loss contingency, number of defendants | defendant	3
Loan Origination Commitments
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet, loan origination commitment			$ 570,729
Loan Origination Commitments | Sales commitment
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet, commitment			103,316
Loan Origination Commitments | Fixed Interest Rate
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet, loan origination commitment			$ 149,667
Fixed interest rate minimum on commitments to extend credit			2.88%
Fixed interest rate maximum on commitments to extend credit			7.66%
Loan Origination Commitments | Fixed Interest Rate | Sales commitment
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet, commitment			$ 99,981
Loan Origination Commitments | Variable Interest Rate
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet, loan origination commitment			421,062
Loan Origination Commitments | Variable Interest Rate | Sales commitment
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Off-balance sheet, commitment			$ 3,335

RELATED PARTY TRANSACTIONS (Det

RELATED PARTY TRANSACTIONS (Details) - loan	6 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Related Party Transactions [Abstract]
Number of new related party loans granted	0	0
Number of related party loans refinanced	0	0
Number of related party loans modified		1