Capitol Federal Financial (CFFN) 10-K 25 Nov 15 2015 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2015	Nov. 17, 2015	Mar. 31, 2015
Document And Entity Information [Abstract]
Entity Registrant Name	Capitol Federal Financial Inc
Trading Symbol	cffn
Entity Central Index Key	1,490,906
Current Fiscal Year End Date	--09-30
Entity Filer Category	Large Accelerated Filer
Document Type	10-K
Document Period End Date	Sep. 30, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	FY
Amendment Flag	false
Entity Common Stock, Shares Outstanding		137,130,588
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Public Float			$ 1,730

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2015	Sep. 30, 2014
ASSETS:
Cash and cash equivalents (includes interest-earning deposits of $764,816 and $799,340)	$ 772,632	$ 810,840
Securities:
Available-for-sale (AFS), at estimated fair value (amortized cost of $744,708 and $829,558)	758,171	840,790
Held-to-maturity (HTM), at amortized cost (estimated fair value of $1,295,274 and $1,571,524)	1,271,122	1,552,699
Loans receivable, net (allowance for credit losses (ACL) of $9,443 and $9,227)	6,625,027	6,233,170
Federal Home Loan Bank Topeka (FHLB) stock, at cost	150,543	213,054
Premises and equipment, net	75,810	70,530
Income taxes receivable, net	1,071	0
Other assets	189,785	143,945
TOTAL ASSETS	9,844,161	9,865,028
LIABILITIES:
Deposits	4,832,520	4,655,272
FHLB borrowings	3,270,521	3,369,677
Repurchase agreements	200,000	220,000
Advance payments by borrowers for taxes and insurance	61,818	58,105
Income taxes payable, net	0	368
Deferred income tax liabilities, net	26,391	22,367
Accounts payable and accrued expenses	36,685	46,357
Total liabilities	8,427,935	8,372,146
STOCKHOLDERS' EQUITY:
Preferred stock, $.01 par value; 100,000,000 shares authorized; no shares issued or outstanding	0	0
Common stock, $.01 par value; 1,400,000,000 shares authorized; 137,106,822 and 140,951,203 shares issued and outstanding as of September 30, 2015 and 2014, respectively	1,371	1,410
Additional paid-in capital	1,151,041	1,180,732
Unearned compensation, Employee Stock Ownership Plan (ESOP)	(41,299)	(42,951)
Retained earnings	296,739	346,705
Accumulated other comprehensive income (AOCI), net of tax	8,374	6,986
Total stockholders' equity	1,416,226	1,492,882
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 9,844,161	$ 9,865,028

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2015	Sep. 30, 2014
Statement of Financial Position [Abstract]
Interest-earning deposits	$ 764,816	$ 799,340
Available-for-sale securities, amortized cost	744,708	829,558
Held-to-maturity securities, estimated fair value	1,295,274	1,571,524
Loans receivable, allowance for credit losses	$ 9,443	$ 9,227
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, shares authorized	100,000,000	100,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	1,400,000,000	1,400,000,000
Common stock, shares issued	137,106,822	140,951,203
Common stock, shares outstanding	137,106,822	140,951,203

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2013
INTEREST AND DIVIDEND INCOME:
Loans receivable	$ 235,500	$ 229,944	$ 228,455
Mortgage-backed securities (MBS)	36,647	45,300	55,424
FHLB stock	12,556	6,555	4,515
Investment securities	7,182	7,385	10,012
Cash and cash equivalents	5,477	1,062	148
Total interest and dividend income	297,362	290,246	298,554
INTEREST EXPENSE:
FHLB borrowings	67,797	63,217	70,816
Deposits	33,119	32,604	36,816
Repurchase agreements	6,678	10,282	12,762
Total interest expense	107,594	106,103	120,394
NET INTEREST INCOME	189,768	184,143	178,160
PROVISION FOR CREDIT LOSSES	771	1,409	(1,067)
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	188,997	182,734	179,227
NON-INTEREST INCOME:
Retail fees and charges	14,897	14,937	15,342
Insurance commissions	2,783	3,151	2,925
Loan fees	1,416	1,568	1,727
Other non-interest income	2,044	3,299	3,295
Total non-interest income	21,140	22,955	23,289
NON-INTEREST EXPENSE:
Salaries and employee benefits	43,309	43,757	49,152
Information technology and communications	10,360	9,429	8,855
Occupancy, net	9,944	10,268	9,871
Federal insurance premium	5,495	4,536	4,462
Deposit and loan transaction costs	5,417	5,329	5,547
Regulatory and outside services	5,347	5,572	5,874
Low Income Housing Partnerships	4,572	2,416	1,961
Advertising and promotional	4,547	4,195	5,027
Other non-interest expense	5,378	5,035	6,198
Total non-interest expense	94,369	90,537	96,947
INCOME BEFORE INCOME TAX EXPENSE	115,768	115,152	105,569
INCOME TAX EXPENSE	37,675	37,458	36,229
NET INCOME	$ 78,093	$ 77,694	$ 69,340
Basic earnings per share (EPS)	$ 0.58	$ 0.56	$ 0.48
Diluted EPS	0.58	0.56	0.48
Dividends declared per share	$ 0.84	$ 0.98	$ 1

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2013
Statement of Comprehensive Income [Abstract]
Net income	$ 78,093	$ 77,694	$ 69,340
Other comprehensive income (loss), net of tax:
Changes in unrealized holding gains (losses) on AFS securities, net of deferred income taxes of $(843), $171, and $10,295	1,388	(281)	(16,940)
Comprehensive income	$ 79,481	$ 77,413	$ 52,400

Consolidated Statements Of Com6

Consolidated Statements Of Comprehensive Income (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2013
Statement of Comprehensive Income [Abstract]
Changes in net unrealized holding gains (losses) on AFS securities, deferred income taxes	$ (843)	$ 171	$ 10,295

Consolidated Statements Of Stoc

Consolidated Statements Of Stockholders' Equity - USD ($) $ in Thousands	Total	Common Stock [Member]	Additional Paid-In Capital [Member]	Unearned Compensation ESOP [Member]	Retained Earnings [Member]	AOCI [Member]
Balance at Sep. 30, 2012	$ 1,806,458	$ 1,554	$ 1,292,122	$ (47,575)	$ 536,150	$ 24,207
Net income	69,340				69,340
Other comprehensive income/(loss), net of tax	(16,940)					(16,940)
ESOP activity, net	6,650		3,678	2,972
Restricted stock activity, net	172		172
Stock-based compensation	2,633		2,633
Repurchase of common stock	(89,375)	(76)	(62,836)		(26,463)
Stock options exercised	12		12
Cash dividends to stockholders	(146,824)				(146,824)
Balance at Sep. 30, 2013	1,632,126	1,478	1,235,781	(44,603)	432,203	7,267
Net income	77,694				77,694
Other comprehensive income/(loss), net of tax	(281)					(281)
ESOP activity, net	2,014		362	1,652
Restricted stock activity, net	127		127
Stock-based compensation	2,134		2,134
Repurchase of common stock	(83,218)	(69)	(58,129)		(25,020)
Stock options exercised	458	1	457
Cash dividends to stockholders	(138,172)				(138,172)
Balance at Sep. 30, 2014	1,492,882	1,410	1,180,732	(42,951)	346,705	6,986
Net income	78,093				78,093
Other comprehensive income/(loss), net of tax	1,388					1,388
ESOP activity, net	2,036		384	1,652
Restricted stock activity, net	85		85
Stock-based compensation	2,086		2,086
Repurchase of common stock	(46,449)	(39)	(32,513)		(13,897)
Stock options exercised	267		267
Cash dividends to stockholders	(114,162)				(114,162)
Balance at Sep. 30, 2015	$ 1,416,226	$ 1,371	$ 1,151,041	$ (41,299)	$ 296,739	$ 8,374

Consolidated Statements Of Sto8

Consolidated Statements Of Stockholders' Equity (Parenthetical) - $ / shares	3 Months Ended								12 Months Ended
	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2013
Statement of Stockholders' Equity [Abstract]
Cash dividends to stockholders	$ 0.085	$ 0.335	$ 0.085	$ 0.335	$ 0.075	$ 0.325	$ 0.075	$ 0.505	$ 0.84	$ 0.98	$ 1

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2013
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 78,093	$ 77,694	$ 69,340
Adjustments to reconcile net income to net cash provided by operating activities:
FHLB stock dividends	(12,556)	(6,555)	(4,515)
Provision for credit losses	771	1,409	(1,067)
Originations of loans receivable held-for-sale (LHFS)	0	(1,325)	(7,098)
Proceeds from sales of LHFS	0	1,998	7,156
Amortization and accretion of premiums and discounts on securities	5,649	6,053	8,445
Depreciation and amortization of premises and equipment	6,844	6,316	5,447
Amortization of deferred amounts related to FHLB advances, net	4,196	6,139	8,216
Common stock committed to be released for allocation - ESOP	2,036	2,014	6,650
Stock-based compensation	2,086	2,134	2,633
Provision for deferred income taxes	3,201	2,106	5,696
Changes in:
Prepaid federal insurance premium	0	0	11,802
Other assets, net	3,878	1,606	(936)
Income taxes payable/receivable	(1,374)	382	(644)
Accounts payable and accrued expenses	(6,215)	(8,184)	(9,403)
Net cash provided by operating activities	86,609	91,787	101,722
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of AFS securities	(149,937)	(120,817)	(408,497)
Purchase of HTM securities	(54,133)	(168,830)	(442,747)
Proceeds from calls, maturities and principal reductions of AFS securities	234,794	349,210	717,545
Proceeds from calls, maturities and principal reductions of HTM securities	330,054	328,433	604,820
Proceeds from the redemption of FHLB stock	265,929	22,387	11,347
Purchase of FHLB stock	(190,862)	(100,356)	(2,391)
Net increase in loans receivable	(398,307)	(280,105)	(355,694)
Purchase of premises and equipment	(12,022)	(7,227)	(18,769)
Proceeds from sale of other real estate owned (OREO)	5,987	4,875	10,677
Purchase of bank owned life insurance (BOLI)	(50,000)	0	0
Proceeds from BOLI death benefit	0	405	0
Net cash (used in) provided by investing activities	(18,497)	27,975	116,291
CASH FLOWS FROM FINANCING ACTIVITIES:
Dividends paid	(114,162)	(138,172)	(146,824)
Deposits, net of withdrawals	177,248	43,826	60,803
Proceeds from borrowings	7,575,100	2,944,577	1,003,115
Repayments on borrowings	(7,695,100)	(2,194,577)	(1,073,115)
Change in advance payments by borrowers for taxes and insurance	3,713	713	1,750
Payment of FHLB prepayment penalties	(3,352)	0	0
Repurchase of common stock	(50,034)	(79,633)	(91,573)
Other, net	267	458	12
Net cash used in financing activities	(106,320)	577,192	(245,832)
NET DECREASE IN CASH AND CASH EQUIVALENTS	(38,208)	696,954	(27,819)
CASH AND CASH EQUIVALENTS:
Beginning of year	810,840	113,886	141,705
End of year	772,632	810,840	113,886
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Income tax payments	35,849	34,969	31,175
Interest payments	$ 103,784	$ 100,581	$ 112,950

Summary Of Significant Accounti

Summary Of Significant Accounting Policies	12 Months Ended
	Sep. 30, 2015
Accounting Policies [Abstract]
Summary Of Significant Accounting Policies	1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Description of Business - Capitol Federal Financial, Inc. (the "Company") provides a full range of retail banking services through its wholly-owned subsidiary, Capitol Federal Savings Bank (the "Bank"), a federal savings bank, which has 37 traditional and 10 in-store banking offices serving primarily the metropolitan areas of Topeka, Wichita, Lawrence, Manhattan, Emporia and Salina, Kansas and portions of the metropolitan area of greater Kansas City. The Bank emphasizes mortgage lending, primarily originating and purchasing one- to four-family loans, and providing personal retail financial services. The Bank is subject to competition from other financial institutions and other companies that provide financial services. Basis of Presentation - The consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, the Bank. The Bank has a wholly owned subsidiary, Capitol Funds, Inc. Capitol Funds, Inc. has a wholly owned subsidiary, Capitol Federal Mortgage Reinsurance Company ("CFMRC"). All intercompany accounts and transactions have been eliminated in consolidation. These consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America ("GAAP"), and require management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting periods. The Bank has an expense sharing agreement with the Company that covers the reimbursement of certain expenses that are allocable to the Company. These expenses include compensation, rent for leased office space, and general overhead expenses. The Company, Bank, Capitol Funds, Inc. and CFMRC have a tax allocation agreement. The Bank is the paying agent to the taxing authorities for the group for all periods presented. Each company is liable for taxes as if separate tax returns were filed and reimburses the Bank for its pro rata share of the tax liability. If any entity has a tax benefit, the Bank reimburses the entity for its tax benefit. Cash and Cash Equivalents - Cash and cash equivalents include cash on hand and amounts due from banks. Regulations of the Board of Governors of the Federal Reserve System ("FRB") require federally chartered savings banks to maintain cash reserves against their transaction accounts. Required reserves must be maintained in the form of vault cash, an account at a Federal Reserve Bank, or a pass-through account as defined by the FRB. The amount of interest-earning deposits held at the Federal Reserve Bank of Kansas City as of September 30, 2015 and 2014 was $762.0 million and $797.3 million , respectively. The Bank is in compliance with the FRB requirements. For the years ended September 30, 2015 and 2014, the average daily balance of required reserves at the Federal Reserve Bank was $8.7 million and $9.1 million , respectively. Securities - Securities include mortgage-backed and agency securities issued primarily by United States Government-Sponsored Enterprises ("GSE"), including Federal National Mortgage Association, Federal Home Loan Mortgage Corporation and the Federal Home Loan Banks, United States Government agencies, including Government National Mortgage Association, and municipal bonds. Securities are classified as HTM, AFS, or trading based on management's intention for holding the securities on the date of purchase. Generally, classifications are made in response to liquidity needs, asset/liability management strategies, and the market interest rate environment at the time of purchase. Securities that management has the intent and ability to hold to maturity are classified as HTM and reported at amortized cost. Such securities are adjusted for the amortization of premiums and discounts which are recognized as adjustments to interest income over the life of the securities using the level-yield method. Securities that management may sell if necessary for liquidity or asset management purposes are classified as AFS and reported at fair value, with unrealized gains and losses reported as a component of AOCI within stockholders' equity, net of deferred income taxes. The amortization of premiums and discounts are recognized as adjustments to interest income over the life of the securities using the level-yield method. Gains or losses on the disposition of AFS securities are recognized using the specific identification method. The Company primarily uses prices obtained from third party pricing services to determine the fair value of securities. See additional discussion of fair value of AFS securities in "Note 12 – Fair Value of Financial Instruments." Securities that are purchased and held principally for resale in the near future are classified as trading securities and are reported at fair value, with unrealized gains and losses included in non-interest income in the consolidated statements of income. During the fiscal years ended September 30, 2015 and 2014, neither the Company nor the Bank maintained a trading securities portfolio. Management monitors the securities portfolio for impairment on an ongoing basis and performs a formal review quarterly. The process involves monitoring market events and other items that could impact issuers. The evaluation includes, but is not limited to, such factors as: the nature of the investment, the length of time the security has had a fair value less than the amortized cost basis, the cause(s) and severity of the loss, expectation of an anticipated recovery period, recent events specific to the issuer or industry including the issuer's financial condition and current ability to make future payments in a timely manner, external credit ratings and recent downgrades in such ratings, management's intent to sell and whether it is more likely than not management would be required to sell prior to recovery for debt securities. Management determines whether other-than-temporary losses should be recognized for impaired securities by assessing all known facts and circumstances surrounding the securities. If management intends to sell an impaired security or if it is more likely than not that management will be required to sell an impaired security before recovery of its amortized cost basis, an other-than-temporary impairment has occurred and the difference between amortized cost and fair value will be recognized as a loss in earnings and the security will be written down to fair value. Loans Receivable - Loans receivable that management has the intent and ability to hold for the foreseeable future are carried at the amount of unpaid principal, net of ACL, undisbursed loan funds, unamortized premiums and discounts, and deferred loan origination fees and costs. Net loan origination fees and costs, and premiums and discounts are amortized as yield adjustments to interest income using the level-yield method. Interest on loans is credited to income as earned and accrued only if deemed collectible. The Bank's primary lending emphasis is the origination and purchase of one- to four-family loans and, to a lesser extent, consumer loans secured by one- to four-family residential properties, resulting in a loan concentration in residential mortgage loans. The Bank has a concentration of loans secured by residential property located in Kansas and Missouri. Troubled debt restructurings ("TDRs") - For borrowers experiencing financial difficulties, the Bank may grant a concession to the borrower. Generally, the Bank grants a short-term payment concession to borrowers who are experiencing a temporary cash flow problem. The most frequently used concession is to reduce the monthly payment amount for a period of 6 to 12 months, often by requiring payments of only interest and escrow during this period, resulting in an extension of the maturity date of the loan. For more severe situations requiring long-term solutions, the Bank also offers interest rate reductions to currently-offered rates and the capitalization of delinquent interest and/or escrow resulting in an extension of the maturity date of the loan. The Bank does not forgive principal or interest nor does it commit to lend additional funds, except for situations generally involving the capitalization of delinquent interest and/or escrow not to exceed the original loan balance, to these borrowers. Endorsed loans are classified as TDRs when certain guidelines for soft credit scores and/or estimated loan-to-value ("LTV") ratios are not met. These guidelines are intended to identify changes in the borrower's credit condition since origination, signifying the borrower could be experiencing financial difficulties even though the borrower has not been delinquent on his/her contractual loan payment in the previous 12 months. The TDRs discussed above will be reported as such until paid-off, unless the loan has been restructured to an interest rate equal to or greater than the rate the Bank was willing to accept at the time of the restructuring for a new loan with comparable risk, and has performed under the new terms of the restructuring agreement for at least 12 consecutive months. Additionally, loans that have been discharged under Chapter 7 bankruptcy proceedings where the borrower has not reaffirmed the debt owed to the lender ("Chapter 7 loans") are reported as TDRs, regardless of their delinquency status, pursuant to regulatory reporting requirements. These loans will be reported as TDRs until the borrower has made 48 consecutive monthly loan payments after the Chapter 7 discharge date. Delinquent loans - A loan is considered delinquent when payment has not been received within 30 days of its contractual due date. Nonaccrual loans - The accrual of income on loans is discontinued when interest or principal payments are 90 days in arrears or for certain TDR loans that are required to be reported as such pursuant to regulatory reporting requirements. Loans on which the accrual of income has been discontinued are designated as nonaccrual and outstanding interest previously credited beyond 90 days delinquent is reversed. A nonaccrual loan is returned to accrual status once the contractual payments have been made to bring the loan less than 90 days past due or, in the case of a TDR loan, the borrower has made the required consecutive loan payments. Impaired loans - A loan is considered impaired when, based on current information and events, it is probable that the Bank will be unable to collect all amounts due, including principal and interest, according to the contractual terms of the loan agreement. Interest income on impaired loans is recognized in the period collected unless the ultimate collection of principal is considered doubtful. The following types of loans are reported as impaired loans: all nonaccrual loans, loans classified as substandard, loans partially charged-off, Chapter 7 loans, and all TDRs except those that have been restructured to an interest rate equal to or greater than the rate the Bank was willing to accept at the time of the restructuring for a new loan with comparable risk, and has performed under the new terms of the restructuring agreement for at least 12 consecutive months. The majority of the Bank's impaired loans are related to one- to four-family properties. Impaired loans related to one- to four-family properties are individually evaluated for loss when the loan becomes 180 days delinquent or at any time management has knowledge of the existence of a potential loss to ensure that the carrying value of the loan is not in excess of the fair value of the collateral, less estimated selling costs. Allowance for Credit Losses - The ACL represents management's best estimate of the amount of inherent losses in the loan portfolio as of the balance sheet date. It involves a high degree of complexity and requires management to make difficult and subjective judgments and assumptions about highly uncertain matters. Management's methodology for assessing the appropriateness of the ACL consists of a formula analysis model, along with analyzing several other factors. The use of different judgments and assumptions could cause reported results to differ significantly. Management maintains the ACL through provisions for credit losses that are either charged or credited to income. One- to four-family loans, including home equity loans, are individually evaluated for loss when the loan is generally 180 days delinquent and any losses are charged-off. Losses are based on new collateral values obtained through appraisals, less estimated costs to sell. Anticipated private mortgage insurance proceeds are taken into consideration when calculating the loss amount. An updated appraisal is requested, at a minimum, every 12 months thereafter if the loan is 180 days or more delinquent or in foreclosure. If the Bank holds the first and second mortgage, both loans are combined when evaluating whether there is a potential loss on the loan. For multi-family and commercial loans, losses are charged-off when the collection of such amounts is determined to be unlikely. When a non-real estate secured loan, which includes consumer loans - other, is 120 days delinquent, any identified losses are charged-off. Charge-offs for any loan type may also occur at any time if the Bank has knowledge of the existence of a potential loss. Loans individually evaluated for loss are excluded from the formula analysis model. The primary risk characteristics inherent in the one- to four-family and consumer loan portfolios are a decline in economic conditions, elevated levels of unemployment or underemployment, and declines in residential real estate values. Any one or a combination of these events may adversely affect borrowers' ability to repay their loans, resulting in increased delinquencies, non-performing assets, loan losses, and future loan loss provisions. Although the multi-family and commercial loan portfolio is subject to the same risk of declines in economic conditions, the primary risk characteristics inherent in this portfolio include the ability of the borrower to sustain sufficient cash flows from leases and to control expenses to satisfy their contractual debt payments, and/or the ability to utilize personal and/or business resources to pay their contractual debt payments if the cash flows are not sufficient. Additionally, if the Bank were to repossess the secured collateral of a multi-family or commercial loan, the pool of potential buyers is typically limited more than that for a residential property. This increases the risk that the Bank could hold the property for an extended period of time and/or potentially be forced to sell at a discounted price, resulting in additional losses. Each quarter, a formula analysis is prepared which segregates the loan portfolio into categories based on certain risk characteristics. The categories include the following: one- to four-family loans; multi-family and commercial loans; consumer home equity loans; and other consumer loans. Home equity loans with the same underlying collateral as a one- to four-family loan are combined with the one- to four-family loan in the formula analysis model to calculate a combined LTV ratio. The one- to four-family loan portfolio and related home equity loans are segregated into additional categories based on the following risk characteristics: originated, correspondent purchased, or bulk purchased; interest payments (fixed-rate and adjustable-rate); LTV ratios; borrower's credit scores; and certain geographic locations. The categories were derived by management based on reviewing the historical performance of the one- to four-family loan portfolio and taking into consideration current economic conditions, such as trends in residential real estate values in certain areas of the U.S. and unemployment rates. Quantitative loss factors are applied to each loan category in the formula analysis model based on the historical loss experience for each respective loan category. Each quarter, management reviews the historical loss time periods and utilizes the historical loss time periods believed to be the most reflective of the current economic conditions. Qualitative loss factors are applied to each loan category in the formula analysis model. The qualitative loss factors that are applied in the formula analysis model for one- to four-family and consumer loan portfolios are: unemployment rate trends; collateral value trends; credit score trends; delinquent loan trends; and a factor based on management's judgment of certain segments of the portfolio and related loan product mix. The qualitative loss factor applied in the formula analysis model for multi-family and commercial loan portfolio is based on management's judgment due to the higher risk nature of these loans, compared to one- to four-family loans. As loans are classified or become delinquent, the qualitative loss factors increase for each respective loan category. The qualitative factors were derived by management based on a review of the historical performance of the respective loan portfolios and consideration of current economic conditions and their likely impact to the performance of the loan portfolio. Management utilizes the formula analysis model, along with considering several other data elements when evaluating the adequacy of the ACL. Such data elements include the trend and composition of delinquent loans, trends in foreclosed property and short sale transactions and charge-off activity, the current status and trends of local and national economies (particularly levels of unemployment), trends and current conditions in the real estate and housing markets, loan portfolio growth and concentrations, and certain ACL ratios such as ACL to loans receivable, net and annualized historical losses to ACL. Since the Bank's loan portfolio is primarily concentrated in one- to four-family real estate, management monitors residential real estate market value trends in the Bank's local market areas and geographic sections of the U.S. by reference to various industry and market reports, economic releases and surveys, and management's general and specific knowledge of the real estate markets in which the Bank lends, in order to determine what impact, if any, such trends may have on the level of ACL. Reviewing these qualitative factors assists management in evaluating the overall credit quality of the loan portfolio and the reasonableness of the ACL on an ongoing basis, and whether changes need to be made to the Bank's ACL methodology. Management seeks to apply the ACL methodology in a consistent manner; however, the methodology can be modified in response to changing conditions. Although management believes the ACL was at a level adequate to absorb inherent losses in the loan portfolio at September 30, 2015, the level of the ACL remains an estimate that is subject to significant judgment and short-term changes. Federal Home Loan Bank Stock - As a member of FHLB Topeka, the Bank is required to acquire and hold shares of FHLB stock. The Bank's holding requirement varies based on the Bank's activities, primarily the Bank's outstanding borrowings, with FHLB. FHLB stock is carried at cost and is considered a restricted asset because it cannot be pledged as collateral or bought or sold on the open market and it also has certain redemption restrictions. Management conducts a quarterly evaluation to determine if any FHLB stock impairment exists. The quarterly impairment evaluation focuses primarily on the capital adequacy and liquidity of FHLB, while also considering the impact that legislative and regulatory developments may have on FHLB. Stock and cash dividends received on FHLB stock are reflected as dividend income in the consolidated statements of income. Premises and Equipment - Land is carried at cost. Buildings, leasehold improvements, and furniture, fixtures and equipment are carried at cost less accumulated depreciation and leasehold amortization. Buildings, furniture, fixtures and equipment are depreciated over their estimated useful lives using the straight-line method. Buildings have an estimated useful life of 39 years. Structural components of the buildings generally have an estimated life of 15 years. Furniture, fixtures and equipment have an estimated useful life of three to seven years. Leasehold improvements are amortized over the shorter of their estimated useful lives or the term of the respective leases, which is generally three to 15 years. The costs for major improvements and renovations are capitalized, while maintenance, repairs and minor improvements are charged to operating expenses as incurred. Gains and losses on dispositions are recorded as non-interest income or non-interest expense as incurred. Income Taxes - The Company utilizes the asset and liability method of accounting for income taxes. Under this method, deferred income tax assets and liabilities are recognized for the tax consequences of temporary differences between the financial statement carrying amounts and the tax basis of existing assets and liabilities. Deferred income tax expense (benefit) represents the change in deferred income tax assets and liabilities excluding the tax effects of the change in net unrealized gain (loss) on AFS securities and changes in the market value of restricted stock between the grant date and vesting date. Income tax related penalties and interest are included in income tax expense in the consolidated statements of income. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Certain tax benefits attributable to stock options and restricted stock are credited to additional paid-in capital. To the extent that management considers it more likely than not that a deferred tax asset will not be recovered, a valuation allowance is recorded. All positive and negative evidence is reviewed in determining how much of a valuation allowance is recognized on a quarterly basis. Certain accounting literature prescribes a recognition threshold and measurement attribute for the financial statement recognition and measurement of an uncertain tax position taken, or expected to be taken, in a tax return. Interest and penalties related to unrecognized tax benefits are recognized in income tax expense in the consolidated statements of income. Accrued interest and penalties related to unrecognized tax benefits are included within the related tax liabilities line in the consolidated balance sheet. Employee Stock Ownership Plan - The funds borrowed by the ESOP from the Company to purchase the Company's common stock are being repaid from dividends paid on unallocated ESOP shares and, if necessary, contributions by the Bank. The shares pledged as collateral are reported as a reduction of stockholders' equity at cost. As ESOP shares are committed to be released from collateral each quarter, the Company records compensation expense based on the average market price of the Company's stock during the quarter. Additionally, the shares become outstanding for EPS computations once they are committed to be released. The eligibility criteria for participation in the Company's ESOP is a minimum of one year of service, at least age 21 , and at least 1,000 hours of employment in each plan year. Stock-based Compensation - The Company has share-based plans under which stock options and restricted stock awards have been granted. Compensation expense is recognized over the service period of the share-based payment award. The Company utilizes a fair-value-based measurement method in accounting for the share-based payment transactions with employees, except for equity instruments held by the ESOP. The Company applies the modified prospective method in which compensation cost is recognized over the service period for all awards granted. Borrowed Funds - The Bank has entered into repurchase agreements, which are sales of securities under agreements to repurchase, with approved counterparties. These agreements are recorded as financing transactions, and thereby reported as liabilities on the consolidated balance sheet, as the Bank maintains effective control over the transferred securities and the securities continue to be carried in the Bank's securities portfolio. The Bank has obtained borrowings from FHLB in the form of advances and a line of credit. Total FHLB borrowings are secured by certain qualifying loans pursuant to a blanket collateral agreement with FHLB and certain securities. Additionally, the Bank is authorized to borrow from the Federal Reserve Bank's "discount window." Segment Information - As a community-oriented financial institution, substantially all of the Bank's operations involve the delivery of loan and deposit products to customers. Management makes operating decisions and assesses performance based on an ongoing review of these community banking operations, which constitute the Company's only operating segment for financial reporting purposes. Low Income Housing Partnerships - As part of the Bank's community reinvestment initiatives, the Bank invests in affordable housing limited partnerships ("low income housing partnerships") that make equity investments in affordable housing properties. The Bank is a limited partner in each partnership in which it invests. Two of the Bank's officers are involved in the operational management of the low income housing partnership investment group. A separate, unrelated third party is the general partner. The Bank receives affordable housing tax credits and other tax benefits for these investments. The Bank accounts for substantially all of its investments in these partnerships using the equity method of accounting. The Bank's investment in the partnerships, which is included in other assets in the consolidated balance sheets, was $41.8 million and $46.4 million at September 30, 2015 and 2014, respectively. The Bank's obligations related to such investments, which are primarily related to unfunded commitments and included in accounts payable and accrued expenses in the consolidated balance sheets, were $14.6 million and $20.7 million at September 30, 2015 and 2014, respectively. Expenses associated with the Bank's investment in the partnerships are included in low income housing partnerships in the consolidated statements of income. Affordable housing tax credits and other tax benefits, which are recognized as a component of income tax expense in the consolidated statements of income, were $4.3 million , $3.6 million , and $2.7 million for fiscal years 2015, 2014, and 2013, respectively. Earnings Per Share - Basic EPS is computed by dividing income available to common stockholders by the weighted average number of shares outstanding for the period. Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock (such as stock options) were exercised or resulted in the issuance of common stock. These potentially dilutive shares would then be included in the weighted average number of shares outstanding for the period using the treasury stock method. Shares issued and shares reacquired during any period are weighted for the portion of the period that they were outstanding. In computing both basic and diluted EPS, the weighted average number of common shares outstanding includes the ESOP shares previously allocated to participants and shares committed to be released for allocation to participants and restricted stock shares which have vested or have been allocated to participants. ESOP shares that have not been committed to be released are excluded from the computation of basic and diluted EPS. Unvested restricted stock awards contain nonforfeitable rights to dividends and are treated as participating securities in the computation of EPS pursuant to the two-class method. Recent Accounting Pronouncements - In January 2014, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") 2014-01, Accounting for Investments in Qualified Affordable Housing Projects . The ASU revised the conditions that an entity must meet to elect to use the effective yield method when accounting for qualified affordable housing project investments. Current accounting guidance states that an entity that invests in a qualified affordable housing project may elect to account for that investment using the effective yield method if all required conditions are met. For those investments that are not accounted for using the effective yield method, current accounting guidance requires that the investments be accounted for under either the equity method or the cost method. Certain existing conditions required to be met to use the effective yield method are restrictive and thus prevent many such investments from qualifying for the use of the effective yield method. The ASU replaces the effective yield method with the proportional amortization method and modifies the conditions that an entity must meet to be eligible to use a method other than the equity or cost methods to account for qualified affordable housing project investments. If the modified conditions are met, the ASU permits an entity to use the proportional amortization method to amortize the initial cost of the investment in proportion to the amount of tax credits and other tax benefits received and recognize the net investment performance in the income statement as a component of income tax expense. Additionally, the ASU requires new disclosures about all investments in qualified affordable housing projects irrespective of the method used to account for the investments. ASU 2014-01 is effective for fiscal years beginning after December 15, 2014, which was October 1, 2015 for the Company, and should be applied retrospectively. The Company will continue to account for our affordable housing project investments under either the equity method or the cost method when the ASU is adopted. In January 2014, the FASB issued ASU 2014-04, Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. The ASU clarifies when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan receivable should be derecognized and the real estate property recognized. The ASU also requires disclosure of both (1) the amount of foreclosed residential real estate property held by a creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. ASU 2014-04 is effective for fiscal years beginning after December 15, 2014, which is October 1, 2015 for the Company, and can be applied using either a modified retrospective transition method or a prospective transition method. The ASU is not expected to have a material impact on the Company's consolidated financial statements. In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers . The ASU clarifies principles for recognizing revenue and provides a common revenue standard for GAAP and International Financial Reporting Standards. Additionally, the ASU provides implementation guidance on several topics and requires entities to disclose both quantitative and qualitative information regarding contracts with customers. ASU 2014-09 is effective for fiscal years beginning after December 15, 2016, which is October 1, 2017 for the Company, and can be applied using either a retrospective or cumulative-effect transition method. In August 2015, the FASB issued ASU 2015-14, Revenue from Contracts with Customers , which deferred the effective date of ASU 2014-09 one year, making the ASU effective for fiscal years beginning after December 15, 2017, including interim reporting periods within that reporting period, which is October 1, 2018 for the Company. Early adoption is permitted only as of annual reporting periods beginning after December 15, 2016. The Company has not yet completed its evaluation of ASU 2014-09. In June 2014, the

Earnings Per Share

Earnings Per Share	12 Months Ended
	Sep. 30, 2015
Earnings Per Share [Abstract]
Earnings Per Share	2. EARNINGS PER SHARE Shares acquired by the ESOP are not considered in the basic average shares outstanding until the shares are committed for allocation or vested to an employee's individual account. Unvested shares awarded pursuant to the Company's restricted stock benefit plans are treated as participating securities in the computation of EPS pursuant to the two-class method as they contain nonforfeitable rights to dividends. The two-class method is an earnings allocation that determines EPS for each class of common stock and participating security. For the Year Ended September 30, 2015 2014 2013 (Dollars in thousands, except per share amounts) Net income $ 78,093 $ 77,694 $ 69,340 Income allocated to participating securities (116 ) (176 ) (205 ) Net income available to common stockholders $ 77,977 $ 77,518 $ 69,135 Average common shares outstanding 135,321,235 139,377,615 144,638,458 Average committed ESOP shares outstanding 62,458 62,458 208,698 Total basic average common shares outstanding 135,383,693 139,440,073 144,847,156 Effect of dilutive stock options 24,810 1,891 853 Total diluted average common shares outstanding 135,408,503 139,441,964 144,848,009 Net EPS: Basic $ 0.58 $ 0.56 $ 0.48 Diluted $ 0.58 $ 0.56 $ 0.48 Antidilutive stock options, excluded from the diluted average common shares outstanding calculation 1,248,744 2,060,748 2,430,629

Securities

Securities	12 Months Ended
	Sep. 30, 2015
Marketable Securities [Abstract]
Securities	3. SECURITIES The following tables reflect the amortized cost, estimated fair value, and gross unrealized gains and losses of AFS and HTM securities at the dates presented. The majority of the MBS and investment securities portfolios are composed of securities issued by GSEs. September 30, 2015 Gross Gross Estimated Amortized Unrealized Unrealized Fair Cost Gains Losses Value (Dollars in thousands) AFS: GSE debentures $ 525,376 $ 1,304 $ 60 $ 526,620 MBS 217,006 12,489 4 229,491 Trust preferred securities 2,186 — 270 1,916 Municipal bonds 140 4 — 144 744,708 13,797 334 758,171 HTM: MBS 1,233,048 27,325 3,590 1,256,783 Municipal bonds 38,074 437 20 38,491 1,271,122 27,762 3,610 1,295,274 $ 2,015,830 $ 41,559 $ 3,944 $ 2,053,445 September 30, 2014 Gross Gross Estimated Amortized Unrealized Unrealized Fair Cost Gains Losses Value (Dollars in thousands) AFS: GSE debentures $ 554,811 $ 413 $ 5,469 $ 549,755 MBS 271,138 16,640 172 287,606 Trust preferred securities 2,493 — 197 2,296 Municipal bonds 1,116 17 — 1,133 829,558 17,070 5,838 840,790 HTM: MBS 1,514,941 31,130 12,935 1,533,136 Municipal bonds 37,758 654 24 38,388 1,552,699 31,784 12,959 1,571,524 $ 2,382,257 $ 48,854 $ 18,797 $ 2,412,314 The following tables summarize the estimated fair value and gross unrealized losses of those securities on which an unrealized loss at the dates presented was reported and the continuous unrealized loss position for less than 12 months and equal to or greater than 12 months as of the dates presented. September 30, 2015 Less Than 12 Months Equal to or Greater Than 12 Months Estimated Unrealized Estimated Unrealized Fair Value Losses Fair Value Losses (Dollars in thousands) AFS: GSE debentures $ 39,135 $ 15 $ 49,955 $ 45 MBS — — 687 4 Trust preferred securities — — 1,916 270 $ 39,135 $ 15 $ 52,558 $ 319 HTM: MBS $ 38,604 $ 134 $ 302,158 $ 3,456 Municipal bonds 3,292 12 1,128 8 $ 41,896 $ 146 $ 303,286 $ 3,464 September 30, 2014 Less Than 12 Months Equal to or Greater Than 12 Months Estimated Unrealized Estimated Unrealized Fair Value Losses Fair Value Losses (Dollars in thousands) AFS: GSE debentures $ 70,666 $ 209 $ 403,389 $ 5,260 MBS 18,571 172 — — Trust preferred securities — — 2,296 197 $ 89,237 $ 381 $ 405,685 $ 5,457 HTM: MBS $ 353,344 $ 2,194 $ 409,275 $ 10,741 Municipal bonds 4,688 19 739 5 $ 358,032 $ 2,213 $ 410,014 $ 10,746 The unrealized losses at September 30, 2015 and 2014 were primarily a result of an increase in market yields from the time the securities were purchased. In general, as market yields rise, the fair value of securities will decrease; as market yields fall, the fair value of securities will increase. Management generally views changes in fair value caused by changes in interest rates as temporary; therefore, these securities have not been classified as other-than-temporarily impaired. The impairment is also considered temporary because scheduled coupon payments have been made, it is anticipated that the entire principal balance will be collected as scheduled, and management neither intends to sell the securities, nor is it more likely than not that the Company will be required to sell the securities before the recovery of the remaining amortized cost amount, which could be at maturity. As a result of the analysis, management has concluded that no other-than-temporary impairments existed at September 30, 2015 or 2014. See "Note 1 - Summary of Significant Accounting Policies - Securities" for additional information regarding our impairment review and classification process for securities. The amortized cost and estimated fair value of debt securities as of September 30, 2015, by contractual maturity, are shown below. Actual principal repayments may differ from contractual maturities due to prepayment or early call privileges by the issuer. In the case of MBS, borrowers on the underlying loans generally have the right to prepay their loans without prepayment penalty. For this reason, MBS are not included in the maturity categories. AFS HTM Amortized Estimated Amortized Estimated Cost Fair Value Cost Fair Value (Dollars in thousands) One year or less $ 25,160 $ 25,374 $ 4,898 $ 4,961 One year through five years 500,356 501,390 24,683 24,983 Five years through ten years — — 8,493 8,547 Ten years and thereafter 2,186 1,916 — — 527,702 528,680 38,074 38,491 MBS 217,006 229,491 1,233,048 1,256,783 $ 744,708 $ 758,171 $ 1,271,122 $ 1,295,274 The following table presents the taxable and non-taxable components of interest income on investment securities for the periods presented. For the Year Ended September 30, 2015 2014 2013 (Dollars in thousands) Taxable $ 6,431 $ 6,440 $ 8,796 Non-taxable 751 945 1,216 $ 7,182 $ 7,385 $ 10,012 The following table summarizes the amortized cost and estimated fair value of securities pledged as collateral for the obligations indicated below as of the dates presented. September 30, 2015 2014 Amortized Estimated Amortized Estimated Cost Fair Value Cost Fair Value (Dollars in thousands) Public unit deposits $ 342,620 $ 347,505 $ 282,464 $ 284,251 Repurchase agreements 217,073 225,806 239,922 247,306 FHLB borrowings 216,607 218,199 487,736 488,368 Federal Reserve Bank 20,134 20,989 25,969 27,067 $ 796,434 $ 812,499 $ 1,036,091 $ 1,046,992 All dispositions of securities during fiscal years 2015, 2014, and 2013 were the result of principal repayments, calls, or maturities.

Loans Receivable And Allowance

Loans Receivable And Allowance For Credit Losses	12 Months Ended
	Sep. 30, 2015
Loans and Leases Receivable Disclosure [Abstract]
Loans Receivable And Allowance For Credit Losses	4. LOANS RECEIVABLE and ALLOWANCE FOR CREDIT LOSSES Loans receivable, net at September 30, 2015 and 2014 is summarized as follows: 2015 2014 (Dollars in thousands) Real estate loans: One- to four-family $ 6,342,412 $ 5,972,031 Multi-family and commercial 110,938 75,677 Construction 129,920 106,790 Total real estate loans 6,583,270 6,154,498 Consumer loans: Home equity 125,844 130,484 Other 4,179 4,537 Total consumer loans 130,023 135,021 Total loans receivable 6,713,293 6,289,519 Less: Undisbursed loan funds 90,565 52,001 ACL 9,443 9,227 Discounts/unearned loan fees 24,213 23,687 Premiums/deferred costs (35,955 ) (28,566 ) $ 6,625,027 $ 6,233,170 As of September 30, 2015 and 2014, the Bank serviced loans for others aggregating approximately $153.0 million and $195.0 million , respectively. Such loans are not included in the accompanying consolidated balance sheets. Servicing loans for others generally consists of collecting mortgage payments, maintaining escrow accounts, disbursing payments to investors and foreclosure processing. Loan servicing income includes servicing fees withheld from investors and certain charges collected from borrowers, such as late payment fees. The Bank held borrowers' escrow balances on loans serviced for others of $2.9 million and $3.4 million as of September 30, 2015 and 2014, respectively. Lending Practices and Underwriting Standards - Originating and purchasing one- to four-family loans is the Bank's primary lending business, resulting in a loan concentration in residential first mortgage loans. The Bank purchases one- to four-family loans, on a loan-by-loan basis, from a select group of correspondent lenders. The Bank also originates consumer loans, commercial and multi-family real estate loans, and construction loans secured by residential, multi-family or commercial real estate and participates in commercial and multi-family real estate and construction loans. As a result of our one- to four-family lending activities, the Bank has a concentration of loans secured by real property located in Kansas and Missouri. One- to four-family loans - Full documentation to support an applicant's credit and income, and sufficient funds to cover all applicable fees and reserves at closing, are required on all loans. Loans are underwritten according to the "ability to repay" and "qualified mortgage" standards, as issued by the Consumer Financial Protection Bureau. Properties securing one- to four-family loans are appraised by either staff appraisers or fee appraisers, both of which are independent of the loan origination function and approved by our Board of Directors. The underwriting standards for loans purchased from correspondent and nationwide lenders are generally similar to the Bank's internal underwriting standards. The underwriting of loans purchased from correspondent lenders on a loan-by-loan basis is performed by the Bank's underwriters. For the tables within this Note, correspondent loans purchased on a loan-by-loan basis are included with originated loans, and loans purchased in loan packages ("bulk loans") are reported as purchased loans. The Bank also originates construction-to-permanent loans secured by one- to four-family residential real estate. Construction loans are obtained by homeowners who will occupy the property when construction is complete. Construction loans to builders for speculative purposes are not permitted. All construction loans are manually underwritten using the Bank's internal underwriting standards. Construction draw requests and the supporting documentation are reviewed and approved by management. The Bank also performs regular documented inspections of the construction project to ensure the funds are being used for the intended purpose and the project is being completed according to the plans and specifications provided. Multi-family and commercial loans - The Bank's multi-family, commercial real estate, and related construction loans are originated by the Bank or are in participation with a lead bank. These loans are granted based on the income producing potential of the property and the financial strength of the borrower and/or guarantor. At the time of origination, LTV ratios on multi-family, commercial real estate, and related construction loans generally cannot exceed 80% of the appraised value of the property securing the loans and the minimum debt service coverage ratio is generally 1.25. The Bank generally requires personal guarantees from the borrowers or the individuals that own the borrowing entity, which cover the entire outstanding debt, in addition to the security property as collateral for these loans. Appraisals on properties securing these loans are performed by independent state certified fee appraisers. Consumer loans - The Bank offers a variety of secured consumer loans, including home equity loans and lines of credit, home improvement loans, auto loans, and loans secured by savings deposits. The Bank also originates a very limited amount of unsecured loans. The Bank does not originate any consumer loans on an indirect basis, such as contracts purchased from retailers of goods or services which have extended credit to their customers. The majority of the consumer loan portfolio is comprised of home equity lines of credit for which the Bank also has the first mortgage or the home equity line of credit is in the first lien position. The underwriting standards for consumer loans include a determination of an applicant's payment history on other debts and an assessment of an applicant's ability to meet existing obligations and payments on the proposed loan. Although creditworthiness of an applicant is a primary consideration, the underwriting process also includes a comparison of the value of the security in relation to the proposed loan amount. Credit Quality Indicators - Based on the Bank's lending emphasis and underwriting standards, management has segmented the loan portfolio into three segments: (1) one- to four-family loans; (2) consumer loans; and (3) multi-family and commercial loans. The one- to four-family and consumer segments are further segmented into classes for purposes of providing disaggregated information about the credit quality of the loan portfolio. The classes are: one- to four-family loans - originated, one- to four-family loans - purchased, consumer loans - home equity, and consumer loans - other. The Bank's primary credit quality indicators for the one- to four-family loan and consumer - home equity loan portfolios are delinquency status, asset classifications, LTV ratios, and borrower credit scores. The Bank's primary credit quality indicators for the multi-family and commercial loan and consumer - other loan portfolios are delinquency status and asset classifications. The following tables present the recorded investment, by class, in loans 30 to 89 days delinquent, loans 90 or more days delinquent or in foreclosure, total delinquent loans, current loans, and total recorded investment at the dates presented. The recorded investment in loans is defined as the unpaid principal balance of a loan (net of unadvanced funds related to loans in process), less charge-offs and inclusive of unearned loan fees and deferred costs. At September 30, 2015 and 2014, all loans 90 or more days delinquent were on nonaccrual status. September 30, 2015 90 or More Days Total Total 30 to 89 Days Delinquent or Delinquent Current Recorded Delinquent in Foreclosure Loans Loans Investment (Dollars in thousands) One- to four-family loans - originated $ 19,285 $ 7,093 $ 26,378 $ 5,869,289 $ 5,895,667 One- to four-family loans - purchased 7,305 8,956 16,261 472,114 488,375 Multi-family and commercial loans — — — 120,405 120,405 Consumer - home equity 703 497 1,200 124,644 125,844 Consumer - other 17 12 29 4,150 4,179 $ 27,310 $ 16,558 $ 43,868 $ 6,590,602 $ 6,634,470 September 30, 2014 90 or More Days Total Total 30 to 89 Days Delinquent or Delinquent Current Recorded Delinquent in Foreclosure Loans Loans Investment (Dollars in thousands) One- to four-family loans - originated $ 15,396 $ 8,566 $ 23,962 $ 5,421,112 $ 5,445,074 One- to four-family loans - purchased 7,937 7,190 15,127 550,229 565,356 Multi-family and commercial loans — — — 96,946 96,946 Consumer - home equity 770 397 1,167 129,317 130,484 Consumer - other 69 13 82 4,455 4,537 $ 24,172 $ 16,166 $ 40,338 $ 6,202,059 $ 6,242,397 The following table presents the recorded investment, by class, in loans classified as nonaccrual at the dates presented. September 30, 2015 2014 (Dollars in thousands) One- to four-family loans - originated $ 16,093 $ 16,546 One- to four-family loans - purchased 9,038 7,940 Multi-family and commercial loans — — Consumer - home equity 792 442 Consumer - other 12 13 $ 25,935 $ 24,941 In accordance with the Bank's asset classification policy, management regularly reviews the problem loans in the Bank's portfolio to determine whether any loans require classification. Loan classifications are defined as follows: • Special mention - These loans are performing loans on which known information about the collateral pledged or the possible credit problems of the borrower(s) have caused management to have doubts as to the ability of the borrower(s) to comply with present loan repayment terms and which may result in the future inclusion of such loans in the non-performing loan categories. • Substandard - A loan is considered substandard if it is inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Substandard loans include those characterized by the distinct possibility the Bank will sustain some loss if the deficiencies are not corrected. • Doubtful - Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses present make collection or liquidation in full on the basis of currently existing facts and conditions and values highly questionable and improbable. • Loss - Loans classified as loss are considered uncollectible and of such little value that their continuance as assets on the books is not warranted. The following table sets forth the recorded investment in loans classified as special mention or substandard, by class, at the dates presented. Special mention and substandard loans are included in the formula analysis model if the loans are not individually evaluated for loss. Loans classified as doubtful or loss are individually evaluated for loss. At the dates presented, there were no loans classified as doubtful, and all loans classified as loss were fully charged-off. September 30, 2015 2014 Special Mention Substandard Special Mention Substandard (Dollars in thousands) One- to four-family - originated $ 16,149 $ 29,282 $ 20,068 $ 29,151 One- to four-family - purchased 1,376 13,237 2,738 11,470 Multi-family and commercial — — — — Consumer - home equity 151 1,301 146 887 Consumer - other — 17 5 13 $ 17,676 $ 43,837 $ 22,957 $ 41,521 The following table shows the weighted average credit score and weighted average LTV for originated and purchased one- to four-family loans and originated consumer home equity loans at the dates presented. Borrower credit scores are intended to provide an indication as to the likelihood that a borrower will repay their debts. Credit scores are updated at least semiannually, with the last update in September 2015, from a nationally recognized consumer rating agency. The LTV ratios provide an estimate of the extent to which the Bank may incur a loss on any given loan that may go into foreclosure. The LTV ratios were based on the current loan balance and either the lesser of the purchase price or original appraisal, or the most recent Bank appraisal, if available. In most cases, the most recent appraisal was obtained at the time of origination. September 30, 2015 2014 Credit Score LTV Credit Score LTV One- to four-family - originated 765 65 % 764 65 % One- to four-family - purchased 752 65 749 66 Consumer - home equity 753 18 751 18 764 64 762 64 TDRs - The following tables present the recorded investment prior to restructuring and immediately after restructuring in all loans restructured during the periods presented. These tables do not reflect the recorded investment at the end of the periods indicated. Any increase in the recorded investment at the time of the restructuring was generally due to the capitalization of delinquent interest and/or escrow balances. For the Year Ended September 30, 2015 Number Pre- Post- of Restructured Restructured Contracts Outstanding Outstanding (Dollars in thousands) One- to four-family loans - originated 143 $ 17,811 $ 18,010 One- to four-family loans - purchased 4 1,140 1,144 Multi-family and commercial loans — — — Consumer - home equity 22 479 485 Consumer - other 3 12 12 172 $ 19,442 $ 19,651 For the Year Ended September 30, 2014 Number Pre- Post- of Restructured Restructured Contracts Outstanding Outstanding (Dollars in thousands) One- to four-family loans - originated 145 $ 17,721 $ 17,785 One- to four-family loans - purchased 7 1,054 1,056 Multi-family and commercial loans — — — Consumer - home equity 6 100 101 Consumer - other — — — 158 $ 18,875 $ 18,942 For the Year Ended September 30, 2013 Number Pre- Post- of Restructured Restructured Contracts Outstanding Outstanding (Dollars in thousands) One- to four-family loans - originated 178 $ 30,707 $ 30,900 One- to four-family loans - purchased 9 2,324 2,366 Multi-family and commercial loans 2 82 79 Consumer - home equity 14 297 305 Consumer - other — — — 203 $ 33,410 $ 33,650 The following table provides information on TDRs that became delinquent during the periods presented within 12 months after being restructured. For the Years Ended September 30, 2015 September 30, 2014 September 30, 2013 Number of Recorded Number of Recorded Number of Recorded Contracts Investment Contracts Investment Contracts Investment (Dollars in thousands) One- to four-family loans - originated 52 $ 5,743 38 $ 4,112 38 $ 3,341 One- to four-family loans - purchased 4 890 3 780 6 1,270 Multi-family and commercial loans — — — — — — Consumer - home equity 4 33 2 56 3 22 Consumer - other 1 5 — — 1 10 61 $ 6,671 43 $ 4,948 48 $ 4,643 Impaired loans - The following information pertains to impaired loans, by class, as of the dates presented. A loan is considered impaired when, based on current information and events, it is probable that the Bank will be unable to collect all amounts due, including principal and interest, according to the contractual terms of the loan agreement. September 30, 2015 September 30, 2014 Unpaid Unpaid Recorded Principal Related Recorded Principal Related Investment Balance ACL Investment Balance ACL (Dollars in thousands) With no related allowance recorded One- to four-family - originated $ 11,169 $ 11,857 $ — $ 13,871 $ 14,507 $ — One- to four-family - purchased 11,035 13,315 — 12,405 14,896 — Multi-family and commercial — — — — — — Consumer - home equity 591 837 — 605 892 — Consumer - other 13 40 — 13 22 — 22,808 26,049 — 26,894 30,317 — With an allowance recorded One- to four-family - originated 26,453 26,547 294 23,675 23,767 107 One- to four-family - purchased 3,764 3,731 110 1,820 1,791 56 Multi-family and commercial — — — — — — Consumer - home equity 869 870 62 464 464 39 Consumer - other 10 10 1 — — — 31,096 31,158 467 25,959 26,022 202 Total One- to four-family - originated 37,622 38,404 294 37,546 38,274 107 One- to four-family - purchased 14,799 17,046 110 14,225 16,687 56 Multi-family and commercial — — — — — — Consumer - home equity 1,460 1,707 62 1,069 1,356 39 Consumer - other 23 50 1 13 22 — $ 53,904 $ 57,207 $ 467 $ 52,853 $ 56,339 $ 202 The following information pertains to impaired loans, by class, for the periods presented. For the Years Ended September 30, 2015 September 30, 2014 September 30, 2013 Average Interest Average Interest Average Interest Recorded Income Recorded Income Recorded Income Investment Recognized Investment Recognized Investment Recognized (Dollars in thousands) With no related allowance recorded One- to four-family - originated $ 12,215 $ 461 $ 13,455 $ 416 $ 9,763 $ 321 One- to four-family - purchased 11,153 196 13,305 212 14,730 186 Multi-family and commercial — — — — — — Consumer - home equity 485 29 567 33 567 39 Consumer - other 12 — 6 — 19 — 23,865 686 27,333 661 25,079 546 With an allowance recorded One- to four-family - originated 27,224 1,079 28,171 1,117 40,590 1,651 One- to four-family - purchased 2,960 40 2,334 53 2,052 74 Multi-family and commercial — — 17 1 58 3 Consumer - home equity 795 34 558 22 534 23 Consumer - other 15 2 12 — 23 1 30,994 1,155 31,092 1,193 43,257 1,752 Total One- to four-family - originated 39,439 1,540 41,626 1,533 50,353 1,972 One- to four-family - purchased 14,113 236 15,639 265 16,782 260 Multi-family and commercial — — 17 1 58 3 Consumer - home equity 1,280 63 1,125 55 1,101 62 Consumer - other 27 2 18 — 42 1 $ 54,859 $ 1,841 $ 58,425 $ 1,854 $ 68,336 $ 2,298 Allowance for Credit Losses - The following is a summary of ACL activity, by loan portfolio segment, for the periods presented, and the ending balance of ACL based on the Company's impairment methodology. Of the $1.2 million of net charge-offs during the year ended September 30, 2013, $381 thousand was due to loans that were primarily discharged in a prior fiscal year under Chapter 7 bankruptcy that had to be, pursuant to regulatory reporting requirements, evaluated for collateral value loss, even if they were current. For the Year Ended September 30, 2015 One- to Four- One- to Four- One- to Four- Multi-family Family - Family - Family - and Originated Purchased Total Commercial Consumer Total (Dollars in thousands) Beginning balance $ 6,263 $ 2,323 $ 8,586 $ 400 $ 241 $ 9,227 Charge-offs (435 ) (228 ) (663 ) — (72 ) (735 ) Recoveries 56 58 114 — 66 180 Provision for credit losses 1,096 (719 ) 377 342 52 771 Ending balance $ 6,980 $ 1,434 $ 8,414 $ 742 $ 287 $ 9,443 For the Year Ended September 30, 2014 One- to Four- One- to Four- One- to Four- Multi-family Family - Family - Family - and Originated Purchased Total Commercial Consumer Total (Dollars in thousands) Beginning balance $ 5,771 $ 2,486 $ 8,257 $ 185 $ 380 $ 8,822 Charge-offs (380 ) (653 ) (1,033 ) — (109 ) (1,142 ) Recoveries 1 64 65 — 73 138 Provision for credit losses 871 426 1,297 215 (103 ) 1,409 Ending balance $ 6,263 $ 2,323 $ 8,586 $ 400 $ 241 $ 9,227 For the Year Ended September 30, 2013 One- to Four- One- to Four- One- to Four- Multi-family Family - Family - Family - and Originated Purchased Total Commercial Consumer Total (Dollars in thousands) Beginning balance $ 6,074 $ 4,453 $ 10,527 $ 219 $ 354 $ 11,100 Charge-offs (637 ) (761 ) (1,398 ) — (259 ) (1,657 ) Recoveries 14 398 412 — 34 446 Provision for credit losses 320 (1,604 ) (1,284 ) (34 ) 251 (1,067 ) Ending balance $ 5,771 $ 2,486 $ 8,257 $ 185 $ 380 $ 8,822 The following is a summary of the loan portfolio and related ACL balances, at the dates presented, by loan portfolio segment disaggregated by the Company's impairment method. There was no ACL for loans individually evaluated for impairment at either date as all potential losses were charged-off. September 30, 2015 One- to Four- One- to Four- One- to Four- Multi-family Family - Family - Family - and Originated Purchased Total Commercial Consumer Total (Dollars in thousands) Recorded investment in loans collectively evaluated for impairment $ 5,884,498 $ 477,340 $ 6,361,838 $ 120,405 $ 129,419 $ 6,611,662 Recorded investment in loans individually evaluated for impairment 11,169 11,035 22,204 — 604 22,808 $ 5,895,667 $ 488,375 $ 6,384,042 $ 120,405 $ 130,023 $ 6,634,470 ACL for loans collectively evaluated for impairment $ 6,980 $ 1,434 $ 8,414 $ 742 $ 287 $ 9,443 September 30, 2014 One- to Four- One- to Four- One- to Four- Multi-family Family - Family - Family - and Originated Purchased Total Commercial Consumer Total (Dollars in thousands) Recorded investment in loans collectively evaluated for impairment $ 5,431,203 $ 552,951 $ 5,984,154 $ 96,946 $ 134,403 $ 6,215,503 Recorded investment in loans individually evaluated for impairment 13,871 12,405 26,276 — 618 26,894 $ 5,445,074 $ 565,356 $ 6,010,430 $ 96,946 $ 135,021 $ 6,242,397 ACL for loans collectively evaluated for impairment $ 6,263 $ 2,323 $ 8,586 $ 400 $ 241 $ 9,227

Premises And Equipment, Net

Premises And Equipment, Net	12 Months Ended
	Sep. 30, 2015
Property, Plant and Equipment, Net [Abstract]
Premises And Equipment, Net	5. PREMISES AND EQUIPMENT, Net A summary of the net carrying value of premises and equipment at September 30, 2015 and 2014 was as follows: 2015 2014 (Dollars in thousands) Land $ 11,055 $ 11,041 Building and improvements 82,928 76,029 Furniture, fixtures and equipment 42,731 41,365 136,714 128,435 Less accumulated depreciation 60,904 57,905 $ 75,810 $ 70,530 The Bank has entered into non-cancelable operating lease agreements with respect to banking premises and equipment. It is expected that many agreements will be renewed at expiration in the normal course of business. Rental expense was $1.1 million , $1.1 million , and $1.2 million for the years ended September 30, 2015, 2014, and 2013, respectively. As of September 30, 2015, future minimum rental commitments, rounded to the nearest thousand, required under operating leases that have initial or remaining non-cancelable lease terms in excess of one year were as follows: 2016 $ 1,101 2017 999 2018 998 2019 895 2020 679 Thereafter 3,141 $ 7,813

Deposits and Borrowed Funds

Deposits and Borrowed Funds	12 Months Ended
	Sep. 30, 2015
Deposits and Borrowed Funds [Abstract]
Deposits and Borrowed Funds	6. DEPOSITS and BORROWED FUNDS Deposits - Noninterest-bearing deposits totaled $188.0 million and $167.0 million as of September 30, 2015 and 2014, respectively. Certificates of deposit with a minimum denomination of $250 thousand were $490.1 million and $402.1 million as of September 30, 2015 and 2014, respectively. Deposits in excess of $250 thousand may not be fully insured by the Federal Deposit Insurance Corporation. FHLB Borrowings - FHLB borrowings at September 30, 2015 consisted of $2.57 billion in fixed-rate FHLB advances and $700.0 million against the variable-rate FHLB line of credit. The line of credit is set to expire on November 18, 2016 , at which time it is expected to be renewed automatically by FHLB for a one year period. FHLB borrowings at September 30, 2014 consisted of $2.57 billion in fixed-rate FHLB advances and $800.0 million against the variable-rate FHLB line of credit. The Bank implemented a leverage strategy ("daily leverage strategy"), beginning in the fourth quarter of fiscal year 2014, to increase earnings. The daily leverage strategy involves borrowing up to $2.10 billion against the Bank's FHLB line of credit with some or all of the balance being paid down at each quarter end. The proceeds of the borrowings, net of the required FHLB stock holdings, is deposited at the Federal Reserve Bank of Kansas City. FHLB advances at September 30, 2015 and 2014 were comprised of the following: 2015 2014 (Dollars in thousands) Fixed-rate FHLB advances $ 2,575,000 $ 2,575,000 Deferred prepayment penalty (4,479 ) (5,350 ) Deferred gain on terminated interest rate swaps — 27 $ 2,570,521 $ 2,569,677 Weighted average contractual interest rate on FHLB advances 2.09 % 2.19 % Weighted average effective interest rate on FHLB advances (1) 2.24 2.39 (1) The effective interest rate includes the net impact of deferred amounts related to certain FHLB advances. During fiscal year 2015, the Bank prepaid $325.0 million of fixed-rate FHLB advances with a weighted average contractual interest rate of 2.61% and a weighted average remaining term to maturity of approximately four months. The prepaid FHLB advances were replaced with $325.0 million of fixed-rate FHLB advances with a weighted average contractual interest rate of 1.66% and a weighted average term of 53 months. The Bank paid $3.4 million in prepayment penalties to FHLB as a result of prepaying the FHLB advances. The present value of the cash flows under the terms of the new FHLB advances was not more than 10% different from the present value of the cash flow under the terms of the prepaid FHLB advances (including the prepayment penalties) and there were no embedded conversion options in the prepaid advances or in the new FHLB advances. The prepayment penalties effectively increased the weighted average interest rate on the new advances 42 basis points at the time of the transactions. The deferred prepayment penalties are being recognized in interest expense over the lives of the new FHLB advances. FHLB borrowings are secured by certain qualifying loans pursuant to a blanket collateral agreement with FHLB and certain securities. Per FHLB's lending guidelines, total FHLB borrowings cannot exceed 40% of regulatory total assets without the pre-approval of FHLB senior management. In July 2014, the president of FHLB approved an increase in the Bank's borrowing limit to 55% of Bank Call Report total assets for one year and then renewed that approval in July 2015 through July 2016. At September 30, 2015, the ratio of the par value of the Bank's FHLB borrowings to the Bank's Call Report total assets was 33% . During fiscal year 2015, the Bank's FHLB borrowings to the Bank's Call Report total assets was in excess of 40% due to the daily leverage strategy. Repurchase Agreements - At September 30, 2015 and 2014, the Company had repurchase agreements outstanding in the amounts of $200.0 million and $220.0 million , with weighted average contractual rates of 2.94% and 3.08% , respectively. All of the Company's repurchase agreements at September 30, 2015 and 2014 were fixed-rate. See the Securities Note for information regarding the amount of securities pledged as collateral in conjunction with repurchase agreements. Securities are delivered to the party with whom each transaction is executed and the party agrees to resell the same securities to the Bank at the maturity of the agreement. The Bank retains the right to substitute similar or like securities throughout the terms of the agreements. The repurchase agreements and collateral are subject to valuation at current market levels and the Bank may ask for the return of excess collateral or be required to post additional collateral due to changes in the market values of these items. The Bank may also be required to post additional collateral as a result of principal payments received on the securities pledged. Maturity of Borrowed Funds and Certificates of Deposit - The following table presents the scheduled maturity of FHLB advances, at par, repurchase agreements, and certificates of deposit as of September 30, 2015: FHLB Repurchase Certificates Advances Agreements of Deposit Amount Amount Amount (Dollars in thousands) 2016 $ 400,000 $ — $ 1,091,379 2017 500,000 — 596,041 2018 375,000 100,000 404,131 2019 300,000 — 345,912 2020 250,000 100,000 194,560 Thereafter 750,000 — 1,144 $ 2,575,000 $ 200,000 $ 2,633,167

Income Taxes

Income Taxes	12 Months Ended
	Sep. 30, 2015
Income Tax Disclosure [Abstract]
Income Taxes	7. INCOME TAXES Income tax expense for the years ended September 30, 2015, 2014, and 2013 consisted of the following: 2015 2014 2013 (Dollars in thousands) Current: Federal $ 30,079 $ 32,137 $ 27,570 State 4,395 3,215 2,963 34,474 35,352 30,533 Deferred: Federal 2,869 2,121 5,586 State 332 (15 ) 110 3,201 2,106 5,696 $ 37,675 $ 37,458 $ 36,229 The Company's effective tax rates were 32.5% , 32.5% , and 34.3% for the years ended September 30, 2015, 2014, and 2013, respectively. The differences between such effective rates and the statutory Federal income tax rate computed on income before income tax expense resulted from the following: 2015 2014 2013 Amount % Amount % Amount % (Dollars in thousands) Federal income tax expense computed at statutory Federal rate $ 40,519 35.0 % $ 40,303 35.0 % $ 36,949 35.0 % Increases (decreases) in taxes resulting from: State taxes, net of Federal tax effect 3,257 2.8 3,200 2.8 3,073 2.9 Low income housing tax credits (4,316 ) (3.7 ) (3,580 ) (3.1 ) (2,675 ) (2.5 ) ESOP related expenses, net (1,222 ) (1.1 ) (1,550 ) (1.4 ) (347 ) (0.3 ) Other (563 ) (0.5 ) (915 ) (0.8 ) (771 ) (0.8 ) $ 37,675 32.5 % $ 37,458 32.5 % $ 36,229 34.3 % Deferred income tax expense represents the change in deferred income tax assets and liabilities excluding the tax effects of the change in net unrealized gain (loss) on AFS securities and changes in the market value of restricted stock between the grant date and vesting date. The sources of these differences and the tax effect of each as of September 30, 2015, 2014, and 2013 were as follows: 2015 2014 2013 (Dollars in thousands) FHLB stock dividends $ 4,083 $ (832 ) $ 866 Capitol Federal Foundation contribution 418 3,768 3,216 Low income housing partnerships (763 ) (50 ) (160 ) Premises and equipment (129 ) (388 ) 1,365 ACL (75 ) (37 ) 982 Other, net (333 ) (355 ) (573 ) $ 3,201 $ 2,106 $ 5,696 The components of the net deferred income tax liabilities as of September 30, 2015 and 2014 were as follows: 2015 2014 (Dollars in thousands) Deferred income tax assets: Salaries and employee benefits $ 2,194 $ 2,202 Low income housing partnerships 1,445 682 ESOP compensation 1,393 1,205 ACL 1,376 1,301 Capitol Federal Foundation contribution — 418 Other 3,652 3,570 Gross deferred income tax assets 10,060 9,378 Valuation allowance (1,807 ) (1,810 ) Gross deferred income tax asset, net of valuation allowance 8,253 7,568 Deferred income tax liabilities: FHLB stock dividends 24,595 20,512 Unrealized gain on AFS securities 5,089 4,246 Premises and equipment 4,498 4,627 Other 462 550 Gross deferred income tax liabilities 34,644 29,935 Net deferred tax liabilities $ 26,391 $ 22,367 The Company assesses the available positive and negative evidence surrounding the recoverability of its deferred tax assets and applies its judgment in estimating the amount of valuation allowance necessary under the circumstances. At both September 30, 2015 and 2014, the Company had a valuation allowance of $1.8 million related to the net operating losses generated by the Company's consolidated Kansas corporate income tax return. The companies included in the consolidated Kansas corporate income tax return are the holding company and Capitol Funds, Inc., as the Bank files a Kansas privilege tax return. Based on the nature of the operations of the holding company and Capitol Funds, Inc., management believes there will not be sufficient taxable income to fully utilize the deferred tax assets noted above; therefore, a valuation allowance has been recorded for the related amounts at September 30, 2015 and 2014. Accounting Standard Codification ("ASC") 740 Income Taxes prescribes a process by which a tax position taken, or expected to be taken, on an income tax return is determined based upon the technical merits of the position, along with whether the tax position meets a more-likely-than-not-recognition threshold, to determine the amount, if any, of unrecognized tax benefits to recognize in the financial statements. Estimated penalties and interest related to unrecognized tax benefits are included in income tax expense in the consolidated statements of income. For the years ended September 30, 2015, 2014, and 2013, the Company's unrecognized tax benefits, estimated penalties and interest, and related activities were insignificant. The Company does not anticipate the total amount of unrecognized tax benefits to significantly change within the next 12 months. The Company files income tax returns in the U.S. federal jurisdiction and the state of Kansas, as well as other states where it has either established nexus under an economic nexus theory or has exceeded enumerated nexus thresholds based on the amount of interest income derived from sources within a given state. In many cases, uncertain tax positions are related to tax years that remain subject to examination by the relevant taxing authorities. With few exceptions, the Company is no longer subject to U.S. federal and state examinations by tax authorities for fiscal years before 2012 .

ESOP

ESOP	12 Months Ended
	Sep. 30, 2015
Employee Stock Ownership Plan (ESOP), Shares in ESOP [Abstract]
Employee Benefit Plans	8. ESOP The ESOP trust acquired 3,024,574 shares ( 6,846,728 shares post-corporate reorganization) of common stock in the Company's initial public offering and 4,726,000 shares of common stock in the Company's corporate reorganization in December of 2010. Both acquisitions of common stock were made with proceeds from loans from the Company. The loans are secured by shares of the Company's stock purchased in each offering. The Bank has agreed to make cash contributions to the ESOP trust on an annual basis sufficient to enable the ESOP trust to make the required annual loan payments to the Company on September 30 of each year. The loan for the shares acquired in the initial public offering matured on September 30, 2013 . The loan for the shares acquired in the corporate reorganization matures on September 30, 2040 . As annual loan payments are made on September 30, shares are released from collateral and allocated to qualified employees based on the proportion of their qualifying compensation to total qualifying compensation. On September 30, 2015, 165,198 shares were released from collateral. On September 30, 2016, 165,198 shares will be released from collateral. As ESOP shares are committed to be released from collateral, the Company records compensation expense. Dividends on unallocated ESOP shares are applied to the debt service payments of the loan secured by the unallocated shares. Dividends on unallocated ESOP shares in excess of the debt service payment are recorded as compensation expense and distributed to participants or participants' ESOP accounts. Compensation expense related to the ESOP was $3.0 million for the year ended September 30, 2015, $3.8 million for the year ended September 30, 2014, and $9.7 million for the year ended September 30, 2013. Of these amounts, $384 thousand , $362 thousand , and $3.7 million related to the difference between the market price of the Company's stock when the shares were acquired by the ESOP trust and the average market price of the Company's stock during the years ended September 30, 2015, 2014, and 2013, respectively. The amount included in compensation expense for dividends on unallocated ESOP shares in excess of the debt service payments was $952 thousand , $1.7 million , and $3.0 million for the years ended September 30, 2015, 2014, and 2013, respectively, which was related to the loan for the shares acquired in the corporate reorganization. Shares may be withdrawn from the ESOP trust due to retirement, termination, or death of the participant. Additionally, a participant may begin to diversify at least 25% of their ESOP shares at age 50 . The following is a summary of shares held in the ESOP trust as of September 30, 2015 and 2014: 2015 2014 (Dollars in thousands) Allocated ESOP shares 4,490,885 4,923,349 Unreleased ESOP shares 4,129,950 4,295,148 Total ESOP shares 8,620,835 9,218,497 Fair value of unreleased ESOP shares $ 50,055 $ 50,769

Stock-Based Compensation

Stock-Based Compensation	12 Months Ended
	Sep. 30, 2015
Share-based Compensation [Abstract]
Stock-Based Compensation	9. STOCK-BASED COMPENSATION The Company has a Stock Option Plan, a Restricted Stock Plan, and an Equity Incentive Plan, all of which are considered share-based plans. The Stock Option Plan and Restricted Stock Plan expired in April 2015. No additional grants can be made from these two plans; however outstanding grants continue until they are individually vested, forfeited or expire. The objectives of the Equity Incentive Plan are to provide additional compensation to certain officers, directors and key employees by facilitating their acquisition of stock interest in the Company and enable the Company to retain personnel of experience and ability in key positions of responsibility. Stock Option Plans – There are currently 737,417 shares outstanding as a result of grants awarded from the Stock Option Plan. The Equity Incentive Plan had 5,907,500 shares originally eligible to be granted as stock options and, as of September 30, 2015, the Company had 4,244,900 shares still available for future grants of stock options under this plan. This plan will expire in January 2027 and no additional grants may be made after expiration, but outstanding grants continue until they are individually vested, forfeited, or expire. The Company may issue incentive and nonqualified stock options under the Equity Incentive Plan. The Company may also award stock appreciation rights, although no stock appreciation rights have been awarded to date. The incentive stock options expire no later than 10 years from the date of grant, and the nonqualified stock options expire no later than 15 years from the date of grant. The vesting period of the options under the Equity Incentive Plan generally has ranged from three to five years. The option price cannot be less than the market value at the date of the grant as defined by each plan. The fair value of stock option grants is estimated on the date of the grant using the Black-Scholes option pricing model. At September 30, 2015, the Company had 2,338,017 options outstanding with a weighted average exercise price of $12.97 per option and a weighted average contractual life of 6.9 years , and 1,814,617 options exercisable with a weighted average exercise price of $13.26 per option and a weighted average contractual life of 6.5 years . The exercise price may be paid in cash, shares of common stock, or a combination of both. New shares are issued by the Company upon the exercise of stock options. Compensation expense attributable to stock option awards during the years ended September 30, 2015, 2014, and 2013 totaled $618 thousand , $633 thousand , and $792 thousand , respectively. The fair value of stock options vested during the years ended September 30, 2015, 2014, and 2013 was $615 thousand , $646 thousand , and $689 thousand , respectively. As of September 30, 2015, the total future compensation cost related to non-vested stock options not yet recognized in the consolidated statements of income was $430 thousand , net of estimated forfeitures, and the weighted average period over which these awards are expected to be recognized was 1.7 years . Restricted Stock Plans – The Equity Incentive Plan had 2,363,000 shares originally eligible to be granted as restricted stock and, as of September 30, 2015, the Company had 1,815,150 shares available for future grants of restricted stock under this plan. This plan will expire in January 2027 and no additional grants may be made after expiration, but outstanding grants continue until they are individually vested or forfeited. The vesting period of the restricted stock awards under the Equity Incentive Plan has generally ranged from three to five years. At September 30, 2015, the Company had 166,548 unvested restricted stock shares with a weighted average grant date fair value of $11.99 per share. Compensation expense is calculated based on the fair market value of the common stock at the date of the grant, as defined by the plan, and is recognized over the vesting time period. Compensation expense attributable to restricted stock awards during the years ended September 30, 2015, 2014, and 2013 totaled $1.5 million , $1.5 million , and $1.8 million , respectively. The fair value of restricted stock that vested during the years ended September 30, 2015, 2014, and 2013 totaled $1.5 million , $1.5 million , and $1.5 million , respectively. As of September 30, 2015 there was $1.0 million of unrecognized compensation cost related to unvested restricted stock to be recognized over a weighted average period of 1.7 years .

Commitments And Contingencies

Commitments And Contingencies	12 Months Ended
	Sep. 30, 2015
Commitments and Contingencies Disclosure [Abstract]
Commitments And Contingencies	10. COMMITMENTS AND CONTINGENCIES The following table summarizes the Bank's loan commitments as of September 30, 2015 and 2014: 2015 2014 (Dollars in thousands) Originate fixed-rate $ 54,555 $ 48,475 Originate adjustable-rate 16,164 15,937 Purchase/participate fixed-rate 128,334 54,752 Purchase/participate adjustable-rate 13,785 18,477 $ 212,838 $ 137,641 Commitments to originate loans are commitments to lend to a customer. Commitments to purchase/participate in loans represent commitments to purchase loans from correspondent lenders on a loan-by-loan basis or participate in commercial real estate loans with a lead bank. The Bank evaluates each borrower's creditworthiness on a case-by-case basis. Commitments generally have fixed expiration dates or other termination clauses and one-to four-family loan commitments may require the payment of a rate lock fee. Some of the commitments are expected to expire without being fully drawn upon; therefore, the amount of total commitments disclosed in the table above does not necessarily represent future cash requirements. As of September 30, 2015 and 2014, there were no significant loan-related commitments that met the definition of derivatives or commitments to sell mortgage loans. As of September 30, 2015 and 2014, the Bank had approved but unadvanced home equity lines of credit of $259.7 million and $260.4 million , respectively. At September 30, 2015, the Bank had $6.8 million of agreements outstanding in connection with the remodeling of its Kansas City market area operations center. In the normal course of business, the Company and its subsidiary are named defendants in various lawsuits and counterclaims. In the opinion of management, after consultation with legal counsel, none of the currently pending suits are expected to have a materially adverse effect on the Company's consolidated financial statements for the year ended September 30, 2015, or future periods.

Regulatory Capital Requirements

Regulatory Capital Requirements	12 Months Ended
	Sep. 30, 2015
Regulatory Capital Requirements [Abstract]
Regulatory Capital Requirements	11. REGULATORY CAPITAL REQUIREMENTS The Bank and the Company are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and, possibly additional discretionary, actions by regulators that, if undertaken, could have a material adverse effect on the Company's financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and Bank must meet specific capital guidelines that involve quantitative measures of the Company's and Bank's assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company's and Bank's capital amounts and classifications are also subject to qualitative judgments by regulators about components, risk weightings, and other factors. In July 2013, the federal banking agencies published final rules establishing a new comprehensive capital framework for U.S. banking organizations. The rules implemented the "Basel III" regulatory capital reforms and changes required by the Dodd-Frank Act. Basel III refers to various documents released by the Basel Committee on Banking Supervision. The new rules became effective for the Company and Bank in January 2015, with some rules being transitioned into full effectiveness over two-to-four years. The new capital rules, among other things, introduced a new capital measure called "Common Equity Tier 1" ("CET1"), increased the Tier 1 capital ratio requirement, changed the total assets utilized in the Tier 1 leverage ratio calculation from total assets at quarter end to average total assets during the quarter, changed the risk-weightings of certain assets for purposes of risk-based capital ratios, created an additional capital conservation buffer over the required capital ratios, and changed what qualifies as capital for purposes of meeting the various capital requirements. As of September 30, 2015, the most recent regulatory guidelines categorized the Bank as "well capitalized" under the regulatory framework for prompt corrective action. The Bank and the Company must maintain minimum capital ratios as set forth in the table below. There were no regulatory capital requirements for the Company at September 30, 2014. Management believes, as of September 30, 2015, that the Bank and Company meet all capital adequacy requirements to which they are subject and there were no conditions or events subsequent to September 30, 2015 that would change the Bank's or Company's category. To Be Well Capitalized Under Prompt For Capital Corrective Action Actual Adequacy Purposes Provisions Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) Bank As of September 30, 2015 Tier 1 leverage ratio $ 1,266,054 11.3 % $ 447,986 4.0 % $ 559,982 5.0 % CET1 capital ratio 1,266,054 30.0 189,663 4.5 273,958 6.5 Tier 1 capital ratio 1,266,054 30.0 252,885 6.0 337,179 8.0 Total capital ratio 1,275,497 30.3 337,179 8.0 421,474 10.0 As of September 30, 2014 Tier 1 leverage ratio 1,299,365 13.2 394,945 4.0 493,682 5.0 Tier 1 risk-based capital ratio 1,299,365 33.0 157,674 4.0 236,511 6.0 Total risk-based capital ratio 1,308,592 33.2 315,348 8.0 394,185 10.0 Company As of September 30, 2015 Tier 1 leverage ratio 1,407,852 12.6 448,003 4.0 N/A N/A CET1 capital ratio 1,407,852 33.4 189,946 4.5 N/A N/A Tier 1 capital ratio 1,407,852 33.4 253,262 6.0 N/A N/A Total capital ratio 1,417,295 33.6 337,683 8.0 N/A N/A Generally, savings institutions, such as the Bank, may make capital distributions during any calendar year equal to the earnings of the previous two calendar years and current year-to-date earnings. It is generally required that the Bank remain well capitalized before and after the proposed distribution. The Company's ability to pay dividends is dependent, in part, upon its ability to obtain capital distributions from the Bank. So long as the Bank continues to remain "well capitalized" after each capital distribution and operates in a safe and sound manner, it is management's belief that the regulators will continue to allow the Bank to distribute its net income to the Company, although no assurance can be given in this regard. In conjunction with the Company's corporate reorganization in December 2010, a "liquidation account" was established for the benefit of certain depositors of the Bank in an amount equal to Capitol Federal Savings Bank MHC's ownership interest in the retained earnings of Capitol Federal Financial as of June 30, 2010. As of September 30, 2015, the balance of this liquidation account was $209.9 million . Under applicable federal banking regulations, neither the Company nor the Bank is permitted to pay dividends on its capital stock to its stockholders if stockholders' equity would be reduced below the amount of the liquidation account at that time.

Fair Value Of Financial Instrum

Fair Value Of Financial Instruments	12 Months Ended
	Sep. 30, 2015
Fair Value Disclosures [Abstract]
Fair Value Of Financial Instruments	12. FAIR VALUE OF FINANCIAL INSTRUMENTS Fair Value Measurements – The Company uses fair value measurements to record fair value adjustments to certain assets and to determine fair value disclosures in accordance with ASC 820 and ASC 825. The Company did not have any liabilities that were measured at fair value at September 30, 2015 or 2014. The Company's AFS securities are recorded at fair value on a recurring basis. Additionally, from time to time, the Company may be required to record at fair value other assets or liabilities on a non-recurring basis, such as OREO and loans individually evaluated for impairment. These non-recurring fair value adjustments involve the application of lower-of-cost-or-fair value accounting or write-downs of individual assets. The Company groups its assets at fair value in three levels based on the markets in which the assets are traded and the reliability of the assumptions used to determine fair value. These levels are: • Level 1 - Valuation is based upon quoted prices for identical instruments traded in active markets. • Level 2 - Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market. • Level 3 - Valuation is generated from model-based techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect the Company's own estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques include the use of option pricing models, discounted cash flow models, and similar techniques. The results cannot be determined with precision and may not be realized in an actual sale or immediate settlement of the asset or liability. The Company bases its fair values on the price that would be received from the sale of an asset in an orderly transaction between market participants at the measurement date. The Company maximizes the use of observable inputs and minimizes the use of unobservable inputs when measuring fair value. The following is a description of valuation methodologies used for assets measured at fair value on a recurring basis. AFS Securities - The Company's AFS securities portfolio is carried at estimated fair value, with any unrealized gains and losses, net of taxes, reported as AOCI in stockholders' equity. The majority of the securities within the AFS portfolio were issued by GSEs. The Company primarily uses prices obtained from third party pricing services to determine the fair value of its securities. On a quarterly basis, management corroborates a sample of prices obtained from the third party pricing service for Level 2 securities by comparing them to an independent source. If the price provided by the independent source varies by more than a predetermined percentage from the price received from the third party pricing service, then the variance is researched by management. The Company did not have to adjust prices obtained from the third party pricing service when determining the fair value of its securities during the years ended September 30, 2015 and 2014. The Company's major security types, based on the nature and risks of the securities, are: • GSE Debentures - Estimated fair values are based on a discounted cash flow method. Cash flows are determined by taking any embedded options into consideration and are discounted using current market yields for similar securities. (Level 2) • MBS - Estimated fair values are based on a discounted cash flow method. Cash flows are determined based on prepayment projections of the underlying mortgages and are discounted using current market yields for benchmark securities. (Level 2) • Municipal Bonds - Estimated fair values are based on a discounted cash flow method. Cash flows are determined by taking any embedded options into consideration and are discounted using current market yields for securities with similar credit profiles. (Level 2) • Trust Preferred Securities - Estimated fair values are based on a discounted cash flow method. Cash flows are determined by taking prepayment and underlying credit considerations into account. The discount rates are derived from secondary trades and bid/offer prices. (Level 3) The following tables provide the level of valuation assumption used to determine the carrying value of the Company's assets measured at fair value on a recurring basis at the dates presented. September 30, 2015 Quoted Prices Significant Significant in Active Markets Other Observable Unobservable Carrying for Identical Assets Inputs Inputs Value (Level 1) (Level 2) (Level 3) (1) (Dollars in thousands) AFS Securities: GSE debentures $ 526,620 $ — $ 526,620 $ — MBS 229,491 — 229,491 — Municipal bonds 144 — 144 — Trust preferred securities 1,916 — — 1,916 $ 758,171 $ — $ 756,255 $ 1,916 September 30, 2014 Quoted Prices Significant Significant in Active Markets Other Observable Unobservable Carrying for Identical Assets Inputs Inputs Value (Level 1) (Level 2) (Level 3) (2) (Dollars in thousands) AFS Securities: GSE debentures $ 549,755 $ — $ 549,755 $ — MBS 287,606 — 287,606 — Municipal bonds 1,133 — 1,133 — Trust preferred securities 2,296 — — 2,296 $ 840,790 $ — $ 838,494 $ 2,296 (1) The Company's Level 3 AFS securities had no activity during the year ended September 30, 2015, except for principal repayments of $400 thousand and increases in net unrealized losses recognized in other comprehensive income. Increases in net unrealized losses included in other comprehensive income for the year ended September 30, 2015 were $45 thousand . (2) The Company's Level 3 AFS securities had no activity during the year ended September 30, 2014, except for principal repayments of $150 thousand and reductions in net unrealized losses recognized in other comprehensive income. Reductions in net unrealized losses included in other comprehensive income for the year ended September 30, 2014 were $16 thousand . The following is a description of valuation methodologies used for significant assets measured at fair value on a non-recurring basis. Loans Receivable – The balance of loans individually evaluated for impairment at September 30, 2015 and 2014 was $22.8 million and $26.8 million , respectively. Substantially all of these loans were secured by residential real estate and were individually evaluated to determine if the carrying value of the loan was in excess of the fair value of the collateral, less estimated selling costs of 10% . When no impairment is indicated, the carrying amount is considered to approximate fair value. Fair values were estimated through current appraisals or current Federal Housing Finance Agency ("FHFA") housing price indices, which is a broad based measure of the movement of single-family house prices and is a weighted, repeat-sales index. Management does not adjust or apply a discount to the appraised value or FHFA housing price indices, except for the estimated sales costs noted above. The primary significant unobservable input for impaired loans with fair values estimated using appraisals was the appraisal. Fair values of impaired loans cannot be determined with precision and may not be realized in an actual sale or immediate settlement of the loan, and, as such are classified as Level 3. Based on this evaluation, the Bank charged-off any loss amounts as of September 30, 2015 and 2014; therefore, there was no ACL related to these loans. OREO – OREO primarily represents real estate acquired as a result of foreclosure or by deed in lieu of foreclosure and is carried at lower-of-cost or fair value. Fair value is estimated through current appraisals or listing prices, less estimated selling costs of 10% . Management does not adjust or apply a discount to the appraised value, except for the estimated sales costs noted above. Management does not adjust or apply a discount to the listing prices, except for the estimated sales costs noted above. The primary significant unobservable input for OREO was the appraisal or listing price. Fair values of foreclosed property cannot be determined with precision and may not be realized in an actual sale of the property, and, as such are classified as Level 3. The fair value of OREO at September 30, 2015 and 2014 was $4.3 million and $4.1 million , respectively. The following tables provide the level of valuation assumptions used to determine the carrying value of the Company's assets measured at fair value on a non-recurring basis at the dates presented. September 30, 2015 Quoted Prices Significant Significant in Active Markets Other Observable Unobservable Carrying for Identical Assets Inputs Inputs Value (Level 1) (Level 2) (Level 3) (Dollars in thousands) Loans individually evaluated for impairment $ 22,762 $ — $ — $ 22,762 OREO 4,333 — — 4,333 $ 27,095 $ — $ — $ 27,095 September 30, 2014 Quoted Prices Significant Significant in Active Markets Other Observable Unobservable Carrying for Identical Assets Inputs Inputs Value (Level 1) (Level 2) (Level 3) (Dollars in thousands) Loans individually evaluated for impairment $ 26,828 $ — $ — $ 26,828 OREO 4,094 — — 4,094 $ 30,922 $ — $ — $ 30,922 Fair Value Disclosures – The Company determined estimated fair value amounts using available market information and from a variety of valuation methodologies. However, considerable judgment is required to interpret market data to develop the estimates of fair value. Accordingly, the estimates presented are not necessarily indicative of the amount the Company could realize in a current market exchange. The use of different market assumptions and estimation methodologies may have a material impact on the estimated fair value amounts. The fair value estimates presented herein were based on pertinent information available to management as of the dates presented. The carrying amounts and estimated fair values of the Company's financial instruments at September 30, 2015 and 2014 were as follows: 2015 2014 Estimated Estimated Carrying Fair Carrying Fair Amount Value Amount Value (Dollars in thousands) Assets: Cash and cash equivalents $ 772,632 $ 772,632 $ 810,840 $ 810,840 AFS securities 758,171 758,171 840,790 840,790 HTM securities 1,271,122 1,295,274 1,552,699 1,571,524 Loans receivable 6,625,027 6,870,176 6,233,170 6,429,840 FHLB stock 150,543 150,543 213,054 213,054 Liabilities: Deposits 4,832,520 4,869,312 4,655,272 4,674,268 FHLB borrowings 3,270,521 3,339,650 3,369,677 3,423,547 Repurchase agreements 200,000 209,807 220,000 227,539 The following methods and assumptions were used to estimate the fair value of the financial instruments: Cash and Cash Equivalents - The carrying amounts of cash and cash equivalents are considered to approximate their fair value due to the nature of the financial assets. (Level 1) HTM Securities - Estimated fair values of securities are based on one of three methods: (1) quoted market prices where available; (2) quoted market prices for similar instruments if quoted market prices are not available; (3) unobservable data that represents the Bank's assumptions about items that market participants would consider in determining fair value where no market data is available. HTM securities are carried at amortized cost. (Level 2) Loans Receivable - The fair value of one- to four-family loans and home equity loans are generally estimated using the present value of expected future cash flows, assuming future prepayments and using discount factors determined by prices obtained from securitization markets, less a discount for the cost of servicing and lack of liquidity. The estimated fair value of the Bank's multi-family, commercial, and consumer loans are based on the expected future cash flows assuming future prepayments and discount factors based on current offering rates. (Level 3) FHLB stock - The carrying value and estimated fair value of FHLB stock equals cost, which is based on redemption at par value. (Level 1) Deposits - The estimated fair value of demand deposits, savings, and money market accounts is the amount payable on demand at the reporting date. The estimated fair value of these deposits at September 30, 2015 and 2014 was $2.20 billion and $2.12 billion , respectively. (Level 1) The fair value of certificates of deposit is estimated by discounting future cash flows using current London Interbank Offered Rates ("LIBOR"). The estimated fair value of certificates of deposit at September 30, 2015 and 2014 was $2.67 billion and $2.55 billion , respectively. (Level 2) FHLB borrowings and Repurchase Agreements - The fair value of fixed-maturity borrowed funds is estimated by discounting estimated future cash flows using current offer rates. (Level 2) The carrying value of FHLB line of credit is considered to approximate its fair value due to the nature of the financial liability. (Level 1)

Subsequent Events

Subsequent Events	12 Months Ended
	Sep. 30, 2015
Subsequent Events [Abstract]
Subsequent Events	13. SUBSEQUENT EVENTS In preparing these financial statements, management has evaluated events occurring subsequent to September 30, 2015, for potential recognition and disclosure. There have been no material events or transactions which would require adjustments to the consolidated financial statements at September 30, 2015.

Selected Quarterly Financial Da

Selected Quarterly Financial Data	12 Months Ended
	Sep. 30, 2015
Selected Quarterly Financial Information [Abstract]
Selected Quarterly Financial Data	14. SELECTED QUARTERLY FINANCIAL DATA (UNAUDITED) The following table presents summarized quarterly data for each of the years indicated for the Company. First Second Third Fourth Quarter Quarter Quarter Quarter Total (Dollars and counts in thousands, except per share amounts) 2015 Total interest and dividend income $ 74,900 $ 73,877 $ 74,174 $ 74,411 $ 297,362 Net interest and dividend income 48,036 46,779 47,013 47,940 189,768 Provision for credit losses 173 275 323 — 771 Net income 20,472 19,234 19,602 18,785 78,093 Basic EPS 0.15 0.14 0.14 0.14 0.58 Diluted EPS 0.15 0.14 0.14 0.14 0.58 Dividends declared per share 0.335 0.085 0.335 0.085 0.84 Average number of basic shares outstanding 136,088 136,208 135,746 133,515 135,384 Average number of diluted shares outstanding 136,116 136,246 135,763 133,533 135,409 2014 Total interest and dividend income $ 72,234 $ 71,857 $ 71,921 $ 74,234 $ 290,246 Net interest and dividend income 44,245 45,727 46,198 47,973 184,143 Provision for credit losses 515 160 307 427 1,409 Net income 17,813 19,688 19,983 20,210 77,694 Basic EPS 0.12 0.14 0.14 0.15 0.56 Diluted EPS 0.12 0.14 0.14 0.15 0.56 Dividends declared per share 0.505 0.075 0.325 0.075 0.98 Average number of basic shares outstanding 142,882 139,489 138,332 137,047 139,440 Average number of diluted shares outstanding 142,883 139,489 138,334 137,051 139,442

Parent Company Financial Inform

Parent Company Financial Information (Parent Company Only)	12 Months Ended
	Sep. 30, 2015
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Parent Company Financial Information (Parent Company Only)	15. PARENT COMPANY FINANCIAL INFORMATION (PARENT COMPANY ONLY) The Company serves as the holding company for the Bank (see "Note 1 – Summary of Significant Accounting Policies"). The Company's (parent company only) balance sheets at the dates presented, and the related statements of income and cash flows for each of the years presented are as follows: BALANCE SHEETS SEPTEMBER 30, 2015 and 2014 (Dollars in thousands, except per share amounts) 2015 2014 ASSETS: Cash and cash equivalents $ 96,171 $ 139,540 Investment in the Bank 1,274,429 1,306,351 Note receivable - ESOP 44,984 46,140 Other assets 420 484 Income taxes receivable, net 318 3,618 Deferred income tax assets, net — 393 TOTAL ASSETS $ 1,416,322 $ 1,496,526 LIABILITIES: Accounts payable and accrued expenses $ 60 $ 3,644 Deferred income tax liabilities, net 36 — Total liabilities 96 3,644 STOCKHOLDERS' EQUITY: Preferred stock, $.01 par value; 100,000,000 shares authorized, no shares issued or outstanding — — Common stock, $.01 par value; 1,400,000,000 shares authorized, 137,106,822 and 140,951,203 shares issued and outstanding as of September 30, 2015 and 2014, respectively 1,371 1,410 Additional paid-in capital 1,151,041 1,180,732 Unearned compensation - ESOP (41,299 ) (42,951 ) Retained earnings 296,739 346,705 AOCI, net of tax 8,374 6,986 Total stockholders' equity 1,416,226 1,492,882 TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY $ 1,416,322 $ 1,496,526 STATEMENTS OF INCOME YEARS ENDED SEPTEMBER 30, 2015, 2014 and 2013 (Dollars in thousands) 2015 2014 2013 INTEREST AND DIVIDEND INCOME: Dividend income from the Bank $ 115,359 $ 145,276 $ 70,512 Interest income from other investments 1,835 2,004 2,328 Interest income from securities — — 62 Total interest and dividend income 117,194 147,280 72,902 NON-INTEREST EXPENSE: Salaries and employee benefits 835 774 857 Regulatory and outside services 243 248 473 Other non-interest expense 517 606 648 Total non-interest expense 1,595 1,628 1,978 INCOME BEFORE INCOME TAX EXPENSE AND EQUITY IN EXCESS OF DISTRIBUTION OVER EARNINGS OF SUBSIDIARY 115,599 145,652 70,924 INCOME TAX EXPENSE 84 132 144 INCOME BEFORE EQUITY IN EXCESS OF DISTRIBUTION OVER EARNINGS OF SUBSIDIARY 115,515 145,520 70,780 EQUITY IN EXCESS OF DISTRIBUTION OVER EARNINGS OF SUBSIDIARY (37,422 ) (67,826 ) (1,440 ) NET INCOME $ 78,093 $ 77,694 $ 69,340 STATEMENTS OF CASH FLOWS YEARS ENDED SEPTEMBER 30, 2015, 2014 and 2013 (Dollars in thousands) 2015 2014 2013 CASH FLOWS FROM OPERATING ACTIVITIES: Net income $ 78,093 $ 77,694 $ 69,340 Adjustments to reconcile net income to net cash provided by operating activities: Equity in excess of distribution over earnings of subsidiary 37,422 67,826 1,440 Depreciation of equipment 30 2 — Amortization/accretion of premiums/discounts — — 74 Other, net — — 263 Provision for deferred income taxes 428 3,768 3,216 Changes in: Other assets 35 166 (198 ) Income taxes receivable/payable 3,300 (562 ) (220 ) Accounts payable and accrued expenses 1 (12 ) (27 ) Net cash flows provided by operating activities 119,309 148,882 73,888 CASH FLOWS FROM INVESTING ACTIVITIES: Proceeds from maturities of AFS securities — — 60,000 Principal collected on notes receivable from ESOP 1,156 1,120 2,827 Purchase of equipment — (370 ) — Net cash flows provided by investing activities 1,156 750 62,827 CASH FLOWS FROM FINANCING ACTIVITIES: Net payment from subsidiary related to restricted stock awards 95 243 34 Dividends paid (114,162 ) (138,172 ) (146,824 ) Repurchase of common stock (50,034 ) (79,633 ) (91,573 ) Stock options exercised 267 458 12 Net cash flows used in financing activities (163,834 ) (217,104 ) (238,351 ) NET DECREASE IN CASH AND CASH EQUIVALENTS (43,369 ) (67,472 ) (101,636 ) CASH AND CASH EQUIVALENTS: Beginning of year 139,540 207,012 308,648 End of year $ 96,171 $ 139,540 $ 207,012

Summary Of Significant Accoun25

Summary Of Significant Accounting Policies (Policies)	12 Months Ended
	Sep. 30, 2015
Accounting Policies [Abstract]
Description of Business	Description of Business - Capitol Federal Financial, Inc. (the "Company") provides a full range of retail banking services through its wholly-owned subsidiary, Capitol Federal Savings Bank (the "Bank"), a federal savings bank, which has 37 traditional and 10 in-store banking offices serving primarily the metropolitan areas of Topeka, Wichita, Lawrence, Manhattan, Emporia and Salina, Kansas and portions of the metropolitan area of greater Kansas City. The Bank emphasizes mortgage lending, primarily originating and purchasing one- to four-family loans, and providing personal retail financial services. The Bank is subject to competition from other financial institutions and other companies that provide financial services.
Basis of Presentation	Basis of Presentation - The consolidated financial statements include the accounts of the Company and its wholly owned subsidiary, the Bank. The Bank has a wholly owned subsidiary, Capitol Funds, Inc. Capitol Funds, Inc. has a wholly owned subsidiary, Capitol Federal Mortgage Reinsurance Company ("CFMRC"). All intercompany accounts and transactions have been eliminated in consolidation. These consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America ("GAAP"), and require management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting periods. The Bank has an expense sharing agreement with the Company that covers the reimbursement of certain expenses that are allocable to the Company. These expenses include compensation, rent for leased office space, and general overhead expenses. The Company, Bank, Capitol Funds, Inc. and CFMRC have a tax allocation agreement. The Bank is the paying agent to the taxing authorities for the group for all periods presented. Each company is liable for taxes as if separate tax returns were filed and reimburses the Bank for its pro rata share of the tax liability. If any entity has a tax benefit, the Bank reimburses the entity for its tax benefit.
Cash and Cash Equivalents	Cash and Cash Equivalents - Cash and cash equivalents include cash on hand and amounts due from banks. Regulations of the Board of Governors of the Federal Reserve System ("FRB") require federally chartered savings banks to maintain cash reserves against their transaction accounts. Required reserves must be maintained in the form of vault cash, an account at a Federal Reserve Bank, or a pass-through account as defined by the FRB. The amount of interest-earning deposits held at the Federal Reserve Bank of Kansas City as of September 30, 2015 and 2014 was $762.0 million and $797.3 million , respectively. The Bank is in compliance with the FRB requirements. For the years ended September 30, 2015 and 2014, the average daily balance of required reserves at the Federal Reserve Bank was $8.7 million and $9.1 million , respectively.
Securities	Securities - Securities include mortgage-backed and agency securities issued primarily by United States Government-Sponsored Enterprises ("GSE"), including Federal National Mortgage Association, Federal Home Loan Mortgage Corporation and the Federal Home Loan Banks, United States Government agencies, including Government National Mortgage Association, and municipal bonds. Securities are classified as HTM, AFS, or trading based on management's intention for holding the securities on the date of purchase. Generally, classifications are made in response to liquidity needs, asset/liability management strategies, and the market interest rate environment at the time of purchase. Securities that management has the intent and ability to hold to maturity are classified as HTM and reported at amortized cost. Such securities are adjusted for the amortization of premiums and discounts which are recognized as adjustments to interest income over the life of the securities using the level-yield method. Securities that management may sell if necessary for liquidity or asset management purposes are classified as AFS and reported at fair value, with unrealized gains and losses reported as a component of AOCI within stockholders' equity, net of deferred income taxes. The amortization of premiums and discounts are recognized as adjustments to interest income over the life of the securities using the level-yield method. Gains or losses on the disposition of AFS securities are recognized using the specific identification method. The Company primarily uses prices obtained from third party pricing services to determine the fair value of securities. See additional discussion of fair value of AFS securities in "Note 12 – Fair Value of Financial Instruments." Securities that are purchased and held principally for resale in the near future are classified as trading securities and are reported at fair value, with unrealized gains and losses included in non-interest income in the consolidated statements of income. During the fiscal years ended September 30, 2015 and 2014, neither the Company nor the Bank maintained a trading securities portfolio. Management monitors the securities portfolio for impairment on an ongoing basis and performs a formal review quarterly. The process involves monitoring market events and other items that could impact issuers. The evaluation includes, but is not limited to, such factors as: the nature of the investment, the length of time the security has had a fair value less than the amortized cost basis, the cause(s) and severity of the loss, expectation of an anticipated recovery period, recent events specific to the issuer or industry including the issuer's financial condition and current ability to make future payments in a timely manner, external credit ratings and recent downgrades in such ratings, management's intent to sell and whether it is more likely than not management would be required to sell prior to recovery for debt securities. Management determines whether other-than-temporary losses should be recognized for impaired securities by assessing all known facts and circumstances surrounding the securities. If management intends to sell an impaired security or if it is more likely than not that management will be required to sell an impaired security before recovery of its amortized cost basis, an other-than-temporary impairment has occurred and the difference between amortized cost and fair value will be recognized as a loss in earnings and the security will be written down to fair value.
Loans Receivable	Loans Receivable - Loans receivable that management has the intent and ability to hold for the foreseeable future are carried at the amount of unpaid principal, net of ACL, undisbursed loan funds, unamortized premiums and discounts, and deferred loan origination fees and costs. Net loan origination fees and costs, and premiums and discounts are amortized as yield adjustments to interest income using the level-yield method. Interest on loans is credited to income as earned and accrued only if deemed collectible. The Bank's primary lending emphasis is the origination and purchase of one- to four-family loans and, to a lesser extent, consumer loans secured by one- to four-family residential properties, resulting in a loan concentration in residential mortgage loans. The Bank has a concentration of loans secured by residential property located in Kansas and Missouri. Troubled debt restructurings ("TDRs") - For borrowers experiencing financial difficulties, the Bank may grant a concession to the borrower. Generally, the Bank grants a short-term payment concession to borrowers who are experiencing a temporary cash flow problem. The most frequently used concession is to reduce the monthly payment amount for a period of 6 to 12 months, often by requiring payments of only interest and escrow during this period, resulting in an extension of the maturity date of the loan. For more severe situations requiring long-term solutions, the Bank also offers interest rate reductions to currently-offered rates and the capitalization of delinquent interest and/or escrow resulting in an extension of the maturity date of the loan. The Bank does not forgive principal or interest nor does it commit to lend additional funds, except for situations generally involving the capitalization of delinquent interest and/or escrow not to exceed the original loan balance, to these borrowers. Endorsed loans are classified as TDRs when certain guidelines for soft credit scores and/or estimated loan-to-value ("LTV") ratios are not met. These guidelines are intended to identify changes in the borrower's credit condition since origination, signifying the borrower could be experiencing financial difficulties even though the borrower has not been delinquent on his/her contractual loan payment in the previous 12 months. The TDRs discussed above will be reported as such until paid-off, unless the loan has been restructured to an interest rate equal to or greater than the rate the Bank was willing to accept at the time of the restructuring for a new loan with comparable risk, and has performed under the new terms of the restructuring agreement for at least 12 consecutive months. Additionally, loans that have been discharged under Chapter 7 bankruptcy proceedings where the borrower has not reaffirmed the debt owed to the lender ("Chapter 7 loans") are reported as TDRs, regardless of their delinquency status, pursuant to regulatory reporting requirements. These loans will be reported as TDRs until the borrower has made 48 consecutive monthly loan payments after the Chapter 7 discharge date. Delinquent loans - A loan is considered delinquent when payment has not been received within 30 days of its contractual due date. Nonaccrual loans - The accrual of income on loans is discontinued when interest or principal payments are 90 days in arrears or for certain TDR loans that are required to be reported as such pursuant to regulatory reporting requirements. Loans on which the accrual of income has been discontinued are designated as nonaccrual and outstanding interest previously credited beyond 90 days delinquent is reversed. A nonaccrual loan is returned to accrual status once the contractual payments have been made to bring the loan less than 90 days past due or, in the case of a TDR loan, the borrower has made the required consecutive loan payments. Impaired loans - A loan is considered impaired when, based on current information and events, it is probable that the Bank will be unable to collect all amounts due, including principal and interest, according to the contractual terms of the loan agreement. Interest income on impaired loans is recognized in the period collected unless the ultimate collection of principal is considered doubtful. The following types of loans are reported as impaired loans: all nonaccrual loans, loans classified as substandard, loans partially charged-off, Chapter 7 loans, and all TDRs except those that have been restructured to an interest rate equal to or greater than the rate the Bank was willing to accept at the time of the restructuring for a new loan with comparable risk, and has performed under the new terms of the restructuring agreement for at least 12 consecutive months. The majority of the Bank's impaired loans are related to one- to four-family properties. Impaired loans related to one- to four-family properties are individually evaluated for loss when the loan becomes 180 days delinquent or at any time management has knowledge of the existence of a potential loss to ensure that the carrying value of the loan is not in excess of the fair value of the collateral, less estimated selling costs.
Allowance For Credit Losses	Allowance for Credit Losses - The ACL represents management's best estimate of the amount of inherent losses in the loan portfolio as of the balance sheet date. It involves a high degree of complexity and requires management to make difficult and subjective judgments and assumptions about highly uncertain matters. Management's methodology for assessing the appropriateness of the ACL consists of a formula analysis model, along with analyzing several other factors. The use of different judgments and assumptions could cause reported results to differ significantly. Management maintains the ACL through provisions for credit losses that are either charged or credited to income. One- to four-family loans, including home equity loans, are individually evaluated for loss when the loan is generally 180 days delinquent and any losses are charged-off. Losses are based on new collateral values obtained through appraisals, less estimated costs to sell. Anticipated private mortgage insurance proceeds are taken into consideration when calculating the loss amount. An updated appraisal is requested, at a minimum, every 12 months thereafter if the loan is 180 days or more delinquent or in foreclosure. If the Bank holds the first and second mortgage, both loans are combined when evaluating whether there is a potential loss on the loan. For multi-family and commercial loans, losses are charged-off when the collection of such amounts is determined to be unlikely. When a non-real estate secured loan, which includes consumer loans - other, is 120 days delinquent, any identified losses are charged-off. Charge-offs for any loan type may also occur at any time if the Bank has knowledge of the existence of a potential loss. Loans individually evaluated for loss are excluded from the formula analysis model. The primary risk characteristics inherent in the one- to four-family and consumer loan portfolios are a decline in economic conditions, elevated levels of unemployment or underemployment, and declines in residential real estate values. Any one or a combination of these events may adversely affect borrowers' ability to repay their loans, resulting in increased delinquencies, non-performing assets, loan losses, and future loan loss provisions. Although the multi-family and commercial loan portfolio is subject to the same risk of declines in economic conditions, the primary risk characteristics inherent in this portfolio include the ability of the borrower to sustain sufficient cash flows from leases and to control expenses to satisfy their contractual debt payments, and/or the ability to utilize personal and/or business resources to pay their contractual debt payments if the cash flows are not sufficient. Additionally, if the Bank were to repossess the secured collateral of a multi-family or commercial loan, the pool of potential buyers is typically limited more than that for a residential property. This increases the risk that the Bank could hold the property for an extended period of time and/or potentially be forced to sell at a discounted price, resulting in additional losses. Each quarter, a formula analysis is prepared which segregates the loan portfolio into categories based on certain risk characteristics. The categories include the following: one- to four-family loans; multi-family and commercial loans; consumer home equity loans; and other consumer loans. Home equity loans with the same underlying collateral as a one- to four-family loan are combined with the one- to four-family loan in the formula analysis model to calculate a combined LTV ratio. The one- to four-family loan portfolio and related home equity loans are segregated into additional categories based on the following risk characteristics: originated, correspondent purchased, or bulk purchased; interest payments (fixed-rate and adjustable-rate); LTV ratios; borrower's credit scores; and certain geographic locations. The categories were derived by management based on reviewing the historical performance of the one- to four-family loan portfolio and taking into consideration current economic conditions, such as trends in residential real estate values in certain areas of the U.S. and unemployment rates. Quantitative loss factors are applied to each loan category in the formula analysis model based on the historical loss experience for each respective loan category. Each quarter, management reviews the historical loss time periods and utilizes the historical loss time periods believed to be the most reflective of the current economic conditions. Qualitative loss factors are applied to each loan category in the formula analysis model. The qualitative loss factors that are applied in the formula analysis model for one- to four-family and consumer loan portfolios are: unemployment rate trends; collateral value trends; credit score trends; delinquent loan trends; and a factor based on management's judgment of certain segments of the portfolio and related loan product mix. The qualitative loss factor applied in the formula analysis model for multi-family and commercial loan portfolio is based on management's judgment due to the higher risk nature of these loans, compared to one- to four-family loans. As loans are classified or become delinquent, the qualitative loss factors increase for each respective loan category. The qualitative factors were derived by management based on a review of the historical performance of the respective loan portfolios and consideration of current economic conditions and their likely impact to the performance of the loan portfolio. Management utilizes the formula analysis model, along with considering several other data elements when evaluating the adequacy of the ACL. Such data elements include the trend and composition of delinquent loans, trends in foreclosed property and short sale transactions and charge-off activity, the current status and trends of local and national economies (particularly levels of unemployment), trends and current conditions in the real estate and housing markets, loan portfolio growth and concentrations, and certain ACL ratios such as ACL to loans receivable, net and annualized historical losses to ACL. Since the Bank's loan portfolio is primarily concentrated in one- to four-family real estate, management monitors residential real estate market value trends in the Bank's local market areas and geographic sections of the U.S. by reference to various industry and market reports, economic releases and surveys, and management's general and specific knowledge of the real estate markets in which the Bank lends, in order to determine what impact, if any, such trends may have on the level of ACL. Reviewing these qualitative factors assists management in evaluating the overall credit quality of the loan portfolio and the reasonableness of the ACL on an ongoing basis, and whether changes need to be made to the Bank's ACL methodology. Management seeks to apply the ACL methodology in a consistent manner; however, the methodology can be modified in response to changing conditions. Although management believes the ACL was at a level adequate to absorb inherent losses in the loan portfolio at September 30, 2015, the level of the ACL remains an estimate that is subject to significant judgment and short-term changes.
Federal Home Loan Bank Stock	Federal Home Loan Bank Stock - As a member of FHLB Topeka, the Bank is required to acquire and hold shares of FHLB stock. The Bank's holding requirement varies based on the Bank's activities, primarily the Bank's outstanding borrowings, with FHLB. FHLB stock is carried at cost and is considered a restricted asset because it cannot be pledged as collateral or bought or sold on the open market and it also has certain redemption restrictions. Management conducts a quarterly evaluation to determine if any FHLB stock impairment exists. The quarterly impairment evaluation focuses primarily on the capital adequacy and liquidity of FHLB, while also considering the impact that legislative and regulatory developments may have on FHLB. Stock and cash dividends received on FHLB stock are reflected as dividend income in the consolidated statements of income.
Premises and Equipment	Premises and Equipment - Land is carried at cost. Buildings, leasehold improvements, and furniture, fixtures and equipment are carried at cost less accumulated depreciation and leasehold amortization. Buildings, furniture, fixtures and equipment are depreciated over their estimated useful lives using the straight-line method. Buildings have an estimated useful life of 39 years. Structural components of the buildings generally have an estimated life of 15 years. Furniture, fixtures and equipment have an estimated useful life of three to seven years. Leasehold improvements are amortized over the shorter of their estimated useful lives or the term of the respective leases, which is generally three to 15 years. The costs for major improvements and renovations are capitalized, while maintenance, repairs and minor improvements are charged to operating expenses as incurred. Gains and losses on dispositions are recorded as non-interest income or non-interest expense as incurred.
Income Taxes	Income Taxes - The Company utilizes the asset and liability method of accounting for income taxes. Under this method, deferred income tax assets and liabilities are recognized for the tax consequences of temporary differences between the financial statement carrying amounts and the tax basis of existing assets and liabilities. Deferred income tax expense (benefit) represents the change in deferred income tax assets and liabilities excluding the tax effects of the change in net unrealized gain (loss) on AFS securities and changes in the market value of restricted stock between the grant date and vesting date. Income tax related penalties and interest are included in income tax expense in the consolidated statements of income. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Certain tax benefits attributable to stock options and restricted stock are credited to additional paid-in capital. To the extent that management considers it more likely than not that a deferred tax asset will not be recovered, a valuation allowance is recorded. All positive and negative evidence is reviewed in determining how much of a valuation allowance is recognized on a quarterly basis. Certain accounting literature prescribes a recognition threshold and measurement attribute for the financial statement recognition and measurement of an uncertain tax position taken, or expected to be taken, in a tax return. Interest and penalties related to unrecognized tax benefits are recognized in income tax expense in the consolidated statements of income. Accrued interest and penalties related to unrecognized tax benefits are included within the related tax liabilities line in the consolidated balance sheet.
Employee Stock Ownership Plan	Employee Stock Ownership Plan - The funds borrowed by the ESOP from the Company to purchase the Company's common stock are being repaid from dividends paid on unallocated ESOP shares and, if necessary, contributions by the Bank. The shares pledged as collateral are reported as a reduction of stockholders' equity at cost. As ESOP shares are committed to be released from collateral each quarter, the Company records compensation expense based on the average market price of the Company's stock during the quarter. Additionally, the shares become outstanding for EPS computations once they are committed to be released. The eligibility criteria for participation in the Company's ESOP is a minimum of one year of service, at least age 21 , and at least 1,000 hours of employment in each plan year.
Stock-based Compensation	Stock-based Compensation - The Company has share-based plans under which stock options and restricted stock awards have been granted. Compensation expense is recognized over the service period of the share-based payment award. The Company utilizes a fair-value-based measurement method in accounting for the share-based payment transactions with employees, except for equity instruments held by the ESOP. The Company applies the modified prospective method in which compensation cost is recognized over the service period for all awards granted.
Borrowed Funds	Borrowed Funds - The Bank has entered into repurchase agreements, which are sales of securities under agreements to repurchase, with approved counterparties. These agreements are recorded as financing transactions, and thereby reported as liabilities on the consolidated balance sheet, as the Bank maintains effective control over the transferred securities and the securities continue to be carried in the Bank's securities portfolio. The Bank has obtained borrowings from FHLB in the form of advances and a line of credit. Total FHLB borrowings are secured by certain qualifying loans pursuant to a blanket collateral agreement with FHLB and certain securities. Additionally, the Bank is authorized to borrow from the Federal Reserve Bank's "discount window."
Segment Information	Segment Information - As a community-oriented financial institution, substantially all of the Bank's operations involve the delivery of loan and deposit products to customers. Management makes operating decisions and assesses performance based on an ongoing review of these community banking operations, which constitute the Company's only operating segment for financial reporting purposes.
Low Income Housing Partnerships	Low Income Housing Partnerships - As part of the Bank's community reinvestment initiatives, the Bank invests in affordable housing limited partnerships ("low income housing partnerships") that make equity investments in affordable housing properties. The Bank is a limited partner in each partnership in which it invests. Two of the Bank's officers are involved in the operational management of the low income housing partnership investment group. A separate, unrelated third party is the general partner. The Bank receives affordable housing tax credits and other tax benefits for these investments. The Bank accounts for substantially all of its investments in these partnerships using the equity method of accounting. The Bank's investment in the partnerships, which is included in other assets in the consolidated balance sheets, was $41.8 million and $46.4 million at September 30, 2015 and 2014, respectively. The Bank's obligations related to such investments, which are primarily related to unfunded commitments and included in accounts payable and accrued expenses in the consolidated balance sheets, were $14.6 million and $20.7 million at September 30, 2015 and 2014, respectively. Expenses associated with the Bank's investment in the partnerships are included in low income housing partnerships in the consolidated statements of income. Affordable housing tax credits and other tax benefits, which are recognized as a component of income tax expense in the consolidated statements of income, were $4.3 million , $3.6 million , and $2.7 million for fiscal years 2015, 2014, and 2013, respectively.
Earnings Per Share	Earnings Per Share - Basic EPS is computed by dividing income available to common stockholders by the weighted average number of shares outstanding for the period. Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock (such as stock options) were exercised or resulted in the issuance of common stock. These potentially dilutive shares would then be included in the weighted average number of shares outstanding for the period using the treasury stock method. Shares issued and shares reacquired during any period are weighted for the portion of the period that they were outstanding. In computing both basic and diluted EPS, the weighted average number of common shares outstanding includes the ESOP shares previously allocated to participants and shares committed to be released for allocation to participants and restricted stock shares which have vested or have been allocated to participants. ESOP shares that have not been committed to be released are excluded from the computation of basic and diluted EPS. Unvested restricted stock awards contain nonforfeitable rights to dividends and are treated as participating securities in the computation of EPS pursuant to the two-class method.
Recent Accounting Pronouncements	Recent Accounting Pronouncements - In January 2014, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") 2014-01, Accounting for Investments in Qualified Affordable Housing Projects . The ASU revised the conditions that an entity must meet to elect to use the effective yield method when accounting for qualified affordable housing project investments. Current accounting guidance states that an entity that invests in a qualified affordable housing project may elect to account for that investment using the effective yield method if all required conditions are met. For those investments that are not accounted for using the effective yield method, current accounting guidance requires that the investments be accounted for under either the equity method or the cost method. Certain existing conditions required to be met to use the effective yield method are restrictive and thus prevent many such investments from qualifying for the use of the effective yield method. The ASU replaces the effective yield method with the proportional amortization method and modifies the conditions that an entity must meet to be eligible to use a method other than the equity or cost methods to account for qualified affordable housing project investments. If the modified conditions are met, the ASU permits an entity to use the proportional amortization method to amortize the initial cost of the investment in proportion to the amount of tax credits and other tax benefits received and recognize the net investment performance in the income statement as a component of income tax expense. Additionally, the ASU requires new disclosures about all investments in qualified affordable housing projects irrespective of the method used to account for the investments. ASU 2014-01 is effective for fiscal years beginning after December 15, 2014, which was October 1, 2015 for the Company, and should be applied retrospectively. The Company will continue to account for our affordable housing project investments under either the equity method or the cost method when the ASU is adopted. In January 2014, the FASB issued ASU 2014-04, Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. The ASU clarifies when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan receivable should be derecognized and the real estate property recognized. The ASU also requires disclosure of both (1) the amount of foreclosed residential real estate property held by a creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. ASU 2014-04 is effective for fiscal years beginning after December 15, 2014, which is October 1, 2015 for the Company, and can be applied using either a modified retrospective transition method or a prospective transition method. The ASU is not expected to have a material impact on the Company's consolidated financial statements. In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers . The ASU clarifies principles for recognizing revenue and provides a common revenue standard for GAAP and International Financial Reporting Standards. Additionally, the ASU provides implementation guidance on several topics and requires entities to disclose both quantitative and qualitative information regarding contracts with customers. ASU 2014-09 is effective for fiscal years beginning after December 15, 2016, which is October 1, 2017 for the Company, and can be applied using either a retrospective or cumulative-effect transition method. In August 2015, the FASB issued ASU 2015-14, Revenue from Contracts with Customers , which deferred the effective date of ASU 2014-09 one year, making the ASU effective for fiscal years beginning after December 15, 2017, including interim reporting periods within that reporting period, which is October 1, 2018 for the Company. Early adoption is permitted only as of annual reporting periods beginning after December 15, 2016. The Company has not yet completed its evaluation of ASU 2014-09. In June 2014, the FASB issued ASU 2014-11, Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures . The ASU makes limited amendments to the current guidance on accounting for certain repurchase agreements. The ASU also expands disclosure requirements for certain transfers of financial assets accounted for as sales or as secured borrowings. The accounting changes in ASU 2014-11 are effective for the first quarterly period or fiscal year beginning after December 15, 2014, which was January 1, 2015 for the Company, and should be applied using a cumulative-effect transition method. The Company accounts for its repurchase agreements as secured borrowings; therefore, the adoption of the accounting changes on January 1, 2015 did not have an impact on the Company's consolidated financial condition or results of operations. The expanded disclosure requirements for ASU 2014-11 were effective for fiscal years beginning after December 15, 2014, and for quarterly periods beginning after March 15, 2015, which was April 1, 2015 for the Company. The expanded disclosures required by the adoption of the ASU are included in the Deposits and Borrowed Funds Note.

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Sep. 30, 2015
Earnings Per Share [Abstract]
Schedule Of Earnings Per Share, Basic And Diluted	For the Year Ended September 30, 2015 2014 2013 (Dollars in thousands, except per share amounts) Net income $ 78,093 $ 77,694 $ 69,340 Income allocated to participating securities (116 ) (176 ) (205 ) Net income available to common stockholders $ 77,977 $ 77,518 $ 69,135 Average common shares outstanding 135,321,235 139,377,615 144,638,458 Average committed ESOP shares outstanding 62,458 62,458 208,698 Total basic average common shares outstanding 135,383,693 139,440,073 144,847,156 Effect of dilutive stock options 24,810 1,891 853 Total diluted average common shares outstanding 135,408,503 139,441,964 144,848,009 Net EPS: Basic $ 0.58 $ 0.56 $ 0.48 Diluted $ 0.58 $ 0.56 $ 0.48 Antidilutive stock options, excluded from the diluted average common shares outstanding calculation 1,248,744 2,060,748 2,430,629

Securities (Tables)

Securities (Tables)	12 Months Ended
	Sep. 30, 2015
Marketable Securities [Abstract]
Amortized Cost, Estimated Fair Value, And Gross Unrealized Gains And Losses Of AFS And HTM Securities	September 30, 2015 Gross Gross Estimated Amortized Unrealized Unrealized Fair Cost Gains Losses Value (Dollars in thousands) AFS: GSE debentures $ 525,376 $ 1,304 $ 60 $ 526,620 MBS 217,006 12,489 4 229,491 Trust preferred securities 2,186 — 270 1,916 Municipal bonds 140 4 — 144 744,708 13,797 334 758,171 HTM: MBS 1,233,048 27,325 3,590 1,256,783 Municipal bonds 38,074 437 20 38,491 1,271,122 27,762 3,610 1,295,274 $ 2,015,830 $ 41,559 $ 3,944 $ 2,053,445 September 30, 2014 Gross Gross Estimated Amortized Unrealized Unrealized Fair Cost Gains Losses Value (Dollars in thousands) AFS: GSE debentures $ 554,811 $ 413 $ 5,469 $ 549,755 MBS 271,138 16,640 172 287,606 Trust preferred securities 2,493 — 197 2,296 Municipal bonds 1,116 17 — 1,133 829,558 17,070 5,838 840,790 HTM: MBS 1,514,941 31,130 12,935 1,533,136 Municipal bonds 37,758 654 24 38,388 1,552,699 31,784 12,959 1,571,524 $ 2,382,257 $ 48,854 $ 18,797 $ 2,412,314
Schedule Of Estimated Fair Value And Gross Unrealized Losses Of Securities In Continuous Unrealized Loss Position	September 30, 2015 Less Than 12 Months Equal to or Greater Than 12 Months Estimated Unrealized Estimated Unrealized Fair Value Losses Fair Value Losses (Dollars in thousands) AFS: GSE debentures $ 39,135 $ 15 $ 49,955 $ 45 MBS — — 687 4 Trust preferred securities — — 1,916 270 $ 39,135 $ 15 $ 52,558 $ 319 HTM: MBS $ 38,604 $ 134 $ 302,158 $ 3,456 Municipal bonds 3,292 12 1,128 8 $ 41,896 $ 146 $ 303,286 $ 3,464 September 30, 2014 Less Than 12 Months Equal to or Greater Than 12 Months Estimated Unrealized Estimated Unrealized Fair Value Losses Fair Value Losses (Dollars in thousands) AFS: GSE debentures $ 70,666 $ 209 $ 403,389 $ 5,260 MBS 18,571 172 — — Trust preferred securities — — 2,296 197 $ 89,237 $ 381 $ 405,685 $ 5,457 HTM: MBS $ 353,344 $ 2,194 $ 409,275 $ 10,741 Municipal bonds 4,688 19 739 5 $ 358,032 $ 2,213 $ 410,014 $ 10,746
Schedule Of Contractual Maturities	AFS HTM Amortized Estimated Amortized Estimated Cost Fair Value Cost Fair Value (Dollars in thousands) One year or less $ 25,160 $ 25,374 $ 4,898 $ 4,961 One year through five years 500,356 501,390 24,683 24,983 Five years through ten years — — 8,493 8,547 Ten years and thereafter 2,186 1,916 — — 527,702 528,680 38,074 38,491 MBS 217,006 229,491 1,233,048 1,256,783 $ 744,708 $ 758,171 $ 1,271,122 $ 1,295,274
Schedule Of Taxable And Non-taxable Components Of Interest Income	For the Year Ended September 30, 2015 2014 2013 (Dollars in thousands) Taxable $ 6,431 $ 6,440 $ 8,796 Non-taxable 751 945 1,216 $ 7,182 $ 7,385 $ 10,012
Schedule Of Amortized Cost And Estimated Fair Value Of Securities Pledged As Collateral	September 30, 2015 2014 Amortized Estimated Amortized Estimated Cost Fair Value Cost Fair Value (Dollars in thousands) Public unit deposits $ 342,620 $ 347,505 $ 282,464 $ 284,251 Repurchase agreements 217,073 225,806 239,922 247,306 FHLB borrowings 216,607 218,199 487,736 488,368 Federal Reserve Bank 20,134 20,989 25,969 27,067 $ 796,434 $ 812,499 $ 1,036,091 $ 1,046,992

Loans Receivable And Allowanc28

Loans Receivable And Allowance For Credit Losses (Tables)	12 Months Ended
	Sep. 30, 2015
Loans and Leases Receivable Disclosure [Abstract]
Summary of Loans Receivable	2015 2014 (Dollars in thousands) Real estate loans: One- to four-family $ 6,342,412 $ 5,972,031 Multi-family and commercial 110,938 75,677 Construction 129,920 106,790 Total real estate loans 6,583,270 6,154,498 Consumer loans: Home equity 125,844 130,484 Other 4,179 4,537 Total consumer loans 130,023 135,021 Total loans receivable 6,713,293 6,289,519 Less: Undisbursed loan funds 90,565 52,001 ACL 9,443 9,227 Discounts/unearned loan fees 24,213 23,687 Premiums/deferred costs (35,955 ) (28,566 ) $ 6,625,027 $ 6,233,170
Recorded Investment in Loans, Past Due	September 30, 2015 90 or More Days Total Total 30 to 89 Days Delinquent or Delinquent Current Recorded Delinquent in Foreclosure Loans Loans Investment (Dollars in thousands) One- to four-family loans - originated $ 19,285 $ 7,093 $ 26,378 $ 5,869,289 $ 5,895,667 One- to four-family loans - purchased 7,305 8,956 16,261 472,114 488,375 Multi-family and commercial loans — — — 120,405 120,405 Consumer - home equity 703 497 1,200 124,644 125,844 Consumer - other 17 12 29 4,150 4,179 $ 27,310 $ 16,558 $ 43,868 $ 6,590,602 $ 6,634,470 September 30, 2014 90 or More Days Total Total 30 to 89 Days Delinquent or Delinquent Current Recorded Delinquent in Foreclosure Loans Loans Investment (Dollars in thousands) One- to four-family loans - originated $ 15,396 $ 8,566 $ 23,962 $ 5,421,112 $ 5,445,074 One- to four-family loans - purchased 7,937 7,190 15,127 550,229 565,356 Multi-family and commercial loans — — — 96,946 96,946 Consumer - home equity 770 397 1,167 129,317 130,484 Consumer - other 69 13 82 4,455 4,537 $ 24,172 $ 16,166 $ 40,338 $ 6,202,059 $ 6,242,397
Recorded Investment in Loans, Nonaccrual	September 30, 2015 2014 (Dollars in thousands) One- to four-family loans - originated $ 16,093 $ 16,546 One- to four-family loans - purchased 9,038 7,940 Multi-family and commercial loans — — Consumer - home equity 792 442 Consumer - other 12 13 $ 25,935 $ 24,941
Recorded Investment in Classified Loans	September 30, 2015 2014 Special Mention Substandard Special Mention Substandard (Dollars in thousands) One- to four-family - originated $ 16,149 $ 29,282 $ 20,068 $ 29,151 One- to four-family - purchased 1,376 13,237 2,738 11,470 Multi-family and commercial — — — — Consumer - home equity 151 1,301 146 887 Consumer - other — 17 5 13 $ 17,676 $ 43,837 $ 22,957 $ 41,521
Weighted Average Loan-to-Value and Credit Score Information	September 30, 2015 2014 Credit Score LTV Credit Score LTV One- to four-family - originated 765 65 % 764 65 % One- to four-family - purchased 752 65 749 66 Consumer - home equity 753 18 751 18 764 64 762 64
Troubled Debt Restructurings on Financing Receivables	For the Year Ended September 30, 2015 Number Pre- Post- of Restructured Restructured Contracts Outstanding Outstanding (Dollars in thousands) One- to four-family loans - originated 143 $ 17,811 $ 18,010 One- to four-family loans - purchased 4 1,140 1,144 Multi-family and commercial loans — — — Consumer - home equity 22 479 485 Consumer - other 3 12 12 172 $ 19,442 $ 19,651 For the Year Ended September 30, 2014 Number Pre- Post- of Restructured Restructured Contracts Outstanding Outstanding (Dollars in thousands) One- to four-family loans - originated 145 $ 17,721 $ 17,785 One- to four-family loans - purchased 7 1,054 1,056 Multi-family and commercial loans — — — Consumer - home equity 6 100 101 Consumer - other — — — 158 $ 18,875 $ 18,942 For the Year Ended September 30, 2013 Number Pre- Post- of Restructured Restructured Contracts Outstanding Outstanding (Dollars in thousands) One- to four-family loans - originated 178 $ 30,707 $ 30,900 One- to four-family loans - purchased 9 2,324 2,366 Multi-family and commercial loans 2 82 79 Consumer - home equity 14 297 305 Consumer - other — — — 203 $ 33,410 $ 33,650 For the Years Ended September 30, 2015 September 30, 2014 September 30, 2013 Number of Recorded Number of Recorded Number of Recorded Contracts Investment Contracts Investment Contracts Investment (Dollars in thousands) One- to four-family loans - originated 52 $ 5,743 38 $ 4,112 38 $ 3,341 One- to four-family loans - purchased 4 890 3 780 6 1,270 Multi-family and commercial loans — — — — — — Consumer - home equity 4 33 2 56 3 22 Consumer - other 1 5 — — 1 10 61 $ 6,671 43 $ 4,948 48 $ 4,643
Impaired Loans by Class	September 30, 2015 September 30, 2014 Unpaid Unpaid Recorded Principal Related Recorded Principal Related Investment Balance ACL Investment Balance ACL (Dollars in thousands) With no related allowance recorded One- to four-family - originated $ 11,169 $ 11,857 $ — $ 13,871 $ 14,507 $ — One- to four-family - purchased 11,035 13,315 — 12,405 14,896 — Multi-family and commercial — — — — — — Consumer - home equity 591 837 — 605 892 — Consumer - other 13 40 — 13 22 — 22,808 26,049 — 26,894 30,317 — With an allowance recorded One- to four-family - originated 26,453 26,547 294 23,675 23,767 107 One- to four-family - purchased 3,764 3,731 110 1,820 1,791 56 Multi-family and commercial — — — — — — Consumer - home equity 869 870 62 464 464 39 Consumer - other 10 10 1 — — — 31,096 31,158 467 25,959 26,022 202 Total One- to four-family - originated 37,622 38,404 294 37,546 38,274 107 One- to four-family - purchased 14,799 17,046 110 14,225 16,687 56 Multi-family and commercial — — — — — — Consumer - home equity 1,460 1,707 62 1,069 1,356 39 Consumer - other 23 50 1 13 22 — $ 53,904 $ 57,207 $ 467 $ 52,853 $ 56,339 $ 202 For the Years Ended September 30, 2015 September 30, 2014 September 30, 2013 Average Interest Average Interest Average Interest Recorded Income Recorded Income Recorded Income Investment Recognized Investment Recognized Investment Recognized (Dollars in thousands) With no related allowance recorded One- to four-family - originated $ 12,215 $ 461 $ 13,455 $ 416 $ 9,763 $ 321 One- to four-family - purchased 11,153 196 13,305 212 14,730 186 Multi-family and commercial — — — — — — Consumer - home equity 485 29 567 33 567 39 Consumer - other 12 — 6 — 19 — 23,865 686 27,333 661 25,079 546 With an allowance recorded One- to four-family - originated 27,224 1,079 28,171 1,117 40,590 1,651 One- to four-family - purchased 2,960 40 2,334 53 2,052 74 Multi-family and commercial — — 17 1 58 3 Consumer - home equity 795 34 558 22 534 23 Consumer - other 15 2 12 — 23 1 30,994 1,155 31,092 1,193 43,257 1,752 Total One- to four-family - originated 39,439 1,540 41,626 1,533 50,353 1,972 One- to four-family - purchased 14,113 236 15,639 265 16,782 260 Multi-family and commercial — — 17 1 58 3 Consumer - home equity 1,280 63 1,125 55 1,101 62 Consumer - other 27 2 18 — 42 1 $ 54,859 $ 1,841 $ 58,425 $ 1,854 $ 68,336 $ 2,298
Allowance for Credit Losses	For the Year Ended September 30, 2015 One- to Four- One- to Four- One- to Four- Multi-family Family - Family - Family - and Originated Purchased Total Commercial Consumer Total (Dollars in thousands) Beginning balance $ 6,263 $ 2,323 $ 8,586 $ 400 $ 241 $ 9,227 Charge-offs (435 ) (228 ) (663 ) — (72 ) (735 ) Recoveries 56 58 114 — 66 180 Provision for credit losses 1,096 (719 ) 377 342 52 771 Ending balance $ 6,980 $ 1,434 $ 8,414 $ 742 $ 287 $ 9,443 For the Year Ended September 30, 2014 One- to Four- One- to Four- One- to Four- Multi-family Family - Family - Family - and Originated Purchased Total Commercial Consumer Total (Dollars in thousands) Beginning balance $ 5,771 $ 2,486 $ 8,257 $ 185 $ 380 $ 8,822 Charge-offs (380 ) (653 ) (1,033 ) — (109 ) (1,142 ) Recoveries 1 64 65 — 73 138 Provision for credit losses 871 426 1,297 215 (103 ) 1,409 Ending balance $ 6,263 $ 2,323 $ 8,586 $ 400 $ 241 $ 9,227 For the Year Ended September 30, 2013 One- to Four- One- to Four- One- to Four- Multi-family Family - Family - Family - and Originated Purchased Total Commercial Consumer Total (Dollars in thousands) Beginning balance $ 6,074 $ 4,453 $ 10,527 $ 219 $ 354 $ 11,100 Charge-offs (637 ) (761 ) (1,398 ) — (259 ) (1,657 ) Recoveries 14 398 412 — 34 446 Provision for credit losses 320 (1,604 ) (1,284 ) (34 ) 251 (1,067 ) Ending balance $ 5,771 $ 2,486 $ 8,257 $ 185 $ 380 $ 8,822 September 30, 2015 One- to Four- One- to Four- One- to Four- Multi-family Family - Family - Family - and Originated Purchased Total Commercial Consumer Total (Dollars in thousands) Recorded investment in loans collectively evaluated for impairment $ 5,884,498 $ 477,340 $ 6,361,838 $ 120,405 $ 129,419 $ 6,611,662 Recorded investment in loans individually evaluated for impairment 11,169 11,035 22,204 — 604 22,808 $ 5,895,667 $ 488,375 $ 6,384,042 $ 120,405 $ 130,023 $ 6,634,470 ACL for loans collectively evaluated for impairment $ 6,980 $ 1,434 $ 8,414 $ 742 $ 287 $ 9,443 September 30, 2014 One- to Four- One- to Four- One- to Four- Multi-family Family - Family - Family - and Originated Purchased Total Commercial Consumer Total (Dollars in thousands) Recorded investment in loans collectively evaluated for impairment $ 5,431,203 $ 552,951 $ 5,984,154 $ 96,946 $ 134,403 $ 6,215,503 Recorded investment in loans individually evaluated for impairment 13,871 12,405 26,276 — 618 26,894 $ 5,445,074 $ 565,356 $ 6,010,430 $ 96,946 $ 135,021 $ 6,242,397 ACL for loans collectively evaluated for impairment $ 6,263 $ 2,323 $ 8,586 $ 400 $ 241 $ 9,227

Premises And Equipment, Net (Ta

Premises And Equipment, Net (Tables)	12 Months Ended
	Sep. 30, 2015
Property, Plant and Equipment, Net [Abstract]
Summary Of The Carrying Value Of Banking Premises And Equipment	2015 2014 (Dollars in thousands) Land $ 11,055 $ 11,041 Building and improvements 82,928 76,029 Furniture, fixtures and equipment 42,731 41,365 136,714 128,435 Less accumulated depreciation 60,904 57,905 $ 75,810 $ 70,530
Schedule Of Future Minimum Rental Commitments	2016 $ 1,101 2017 999 2018 998 2019 895 2020 679 Thereafter 3,141 $ 7,813

Deposits and Borrowed Funds (Ta

Deposits and Borrowed Funds (Tables)	12 Months Ended
	Sep. 30, 2015
Deposits and Borrowed Funds [Abstract]
FHLB Advances	2015 2014 (Dollars in thousands) Fixed-rate FHLB advances $ 2,575,000 $ 2,575,000 Deferred prepayment penalty (4,479 ) (5,350 ) Deferred gain on terminated interest rate swaps — 27 $ 2,570,521 $ 2,569,677 Weighted average contractual interest rate on FHLB advances 2.09 % 2.19 % Weighted average effective interest rate on FHLB advances (1) 2.24 2.39 (1) The effective interest rate includes the net impact of deferred amounts related to certain FHLB advances.
Maturity of Borrowed Funds and Certificates of Deposit	FHLB Repurchase Certificates Advances Agreements of Deposit Amount Amount Amount (Dollars in thousands) 2016 $ 400,000 $ — $ 1,091,379 2017 500,000 — 596,041 2018 375,000 100,000 404,131 2019 300,000 — 345,912 2020 250,000 100,000 194,560 Thereafter 750,000 — 1,144 $ 2,575,000 $ 200,000 $ 2,633,167

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Sep. 30, 2015
Income Tax Disclosure [Abstract]
Schedule Of Income Tax Expense	2015 2014 2013 (Dollars in thousands) Current: Federal $ 30,079 $ 32,137 $ 27,570 State 4,395 3,215 2,963 34,474 35,352 30,533 Deferred: Federal 2,869 2,121 5,586 State 332 (15 ) 110 3,201 2,106 5,696 $ 37,675 $ 37,458 $ 36,229
Differences Between Effective Rates And Statutory Federal Income Tax Rate Computed On Income Before Income Tax Expense	2015 2014 2013 Amount % Amount % Amount % (Dollars in thousands) Federal income tax expense computed at statutory Federal rate $ 40,519 35.0 % $ 40,303 35.0 % $ 36,949 35.0 % Increases (decreases) in taxes resulting from: State taxes, net of Federal tax effect 3,257 2.8 3,200 2.8 3,073 2.9 Low income housing tax credits (4,316 ) (3.7 ) (3,580 ) (3.1 ) (2,675 ) (2.5 ) ESOP related expenses, net (1,222 ) (1.1 ) (1,550 ) (1.4 ) (347 ) (0.3 ) Other (563 ) (0.5 ) (915 ) (0.8 ) (771 ) (0.8 ) $ 37,675 32.5 % $ 37,458 32.5 % $ 36,229 34.3 %
Deferred Income Tax Expense (Benefit) Results From Temporary Differences In Recognition Of Revenue And Expenses For Tax	2015 2014 2013 (Dollars in thousands) FHLB stock dividends $ 4,083 $ (832 ) $ 866 Capitol Federal Foundation contribution 418 3,768 3,216 Low income housing partnerships (763 ) (50 ) (160 ) Premises and equipment (129 ) (388 ) 1,365 ACL (75 ) (37 ) 982 Other, net (333 ) (355 ) (573 ) $ 3,201 $ 2,106 $ 5,696
Components Of Net Deferred Income Tax Liabilities	2015 2014 (Dollars in thousands) Deferred income tax assets: Salaries and employee benefits $ 2,194 $ 2,202 Low income housing partnerships 1,445 682 ESOP compensation 1,393 1,205 ACL 1,376 1,301 Capitol Federal Foundation contribution — 418 Other 3,652 3,570 Gross deferred income tax assets 10,060 9,378 Valuation allowance (1,807 ) (1,810 ) Gross deferred income tax asset, net of valuation allowance 8,253 7,568 Deferred income tax liabilities: FHLB stock dividends 24,595 20,512 Unrealized gain on AFS securities 5,089 4,246 Premises and equipment 4,498 4,627 Other 462 550 Gross deferred income tax liabilities 34,644 29,935 Net deferred tax liabilities $ 26,391 $ 22,367

ESOP (Tables)

ESOP (Tables)	12 Months Ended
	Sep. 30, 2015
Employee Stock Ownership Plan (ESOP), Shares in ESOP [Abstract]
Summary Of Shares Held In The ESOP Trust	2015 2014 (Dollars in thousands) Allocated ESOP shares 4,490,885 4,923,349 Unreleased ESOP shares 4,129,950 4,295,148 Total ESOP shares 8,620,835 9,218,497 Fair value of unreleased ESOP shares $ 50,055 $ 50,769

Commitments And Contingencies (

Commitments And Contingencies (Tables)	12 Months Ended
	Sep. 30, 2015
Commitments and Contingencies Disclosure [Abstract]
Commitments Outstanding To Originate, Purchase, Or Participate In Loans	2015 2014 (Dollars in thousands) Originate fixed-rate $ 54,555 $ 48,475 Originate adjustable-rate 16,164 15,937 Purchase/participate fixed-rate 128,334 54,752 Purchase/participate adjustable-rate 13,785 18,477 $ 212,838 $ 137,641

Regulatory Capital Requiremen34

Regulatory Capital Requirements (Tables)	12 Months Ended
	Sep. 30, 2015
Regulatory Capital Requirements [Abstract]
Summary Of Capital And Total Risk-Based Capital Ratios	To Be Well Capitalized Under Prompt For Capital Corrective Action Actual Adequacy Purposes Provisions Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) Bank As of September 30, 2015 Tier 1 leverage ratio $ 1,266,054 11.3 % $ 447,986 4.0 % $ 559,982 5.0 % CET1 capital ratio 1,266,054 30.0 189,663 4.5 273,958 6.5 Tier 1 capital ratio 1,266,054 30.0 252,885 6.0 337,179 8.0 Total capital ratio 1,275,497 30.3 337,179 8.0 421,474 10.0 As of September 30, 2014 Tier 1 leverage ratio 1,299,365 13.2 394,945 4.0 493,682 5.0 Tier 1 risk-based capital ratio 1,299,365 33.0 157,674 4.0 236,511 6.0 Total risk-based capital ratio 1,308,592 33.2 315,348 8.0 394,185 10.0 Company As of September 30, 2015 Tier 1 leverage ratio 1,407,852 12.6 448,003 4.0 N/A N/A CET1 capital ratio 1,407,852 33.4 189,946 4.5 N/A N/A Tier 1 capital ratio 1,407,852 33.4 253,262 6.0 N/A N/A Total capital ratio 1,417,295 33.6 337,683 8.0 N/A N/A

Fair Value Of Financial Instr35

Fair Value Of Financial Instruments (Tables)	12 Months Ended
	Sep. 30, 2015
Fair Value Disclosures [Abstract]
Schedule Of Fair Value Assets Measured On A Recurring Basis	September 30, 2015 Quoted Prices Significant Significant in Active Markets Other Observable Unobservable Carrying for Identical Assets Inputs Inputs Value (Level 1) (Level 2) (Level 3) (1) (Dollars in thousands) AFS Securities: GSE debentures $ 526,620 $ — $ 526,620 $ — MBS 229,491 — 229,491 — Municipal bonds 144 — 144 — Trust preferred securities 1,916 — — 1,916 $ 758,171 $ — $ 756,255 $ 1,916 September 30, 2014 Quoted Prices Significant Significant in Active Markets Other Observable Unobservable Carrying for Identical Assets Inputs Inputs Value (Level 1) (Level 2) (Level 3) (2) (Dollars in thousands) AFS Securities: GSE debentures $ 549,755 $ — $ 549,755 $ — MBS 287,606 — 287,606 — Municipal bonds 1,133 — 1,133 — Trust preferred securities 2,296 — — 2,296 $ 840,790 $ — $ 838,494 $ 2,296 (1) The Company's Level 3 AFS securities had no activity during the year ended September 30, 2015, except for principal repayments of $400 thousand and increases in net unrealized losses recognized in other comprehensive income. Increases in net unrealized losses included in other comprehensive income for the year ended September 30, 2015 were $45 thousand . (2) The Company's Level 3 AFS securities had no activity during the year ended September 30, 2014, except for principal repayments of $150 thousand and reductions in net unrealized losses recognized in other comprehensive income. Reductions in net unrealized losses included in other comprehensive income for the year ended September 30, 2014 were $16 thousand .
Schedule Of Fair Value Assets Measured On A Non-recurring Basis	September 30, 2015 Quoted Prices Significant Significant in Active Markets Other Observable Unobservable Carrying for Identical Assets Inputs Inputs Value (Level 1) (Level 2) (Level 3) (Dollars in thousands) Loans individually evaluated for impairment $ 22,762 $ — $ — $ 22,762 OREO 4,333 — — 4,333 $ 27,095 $ — $ — $ 27,095 September 30, 2014 Quoted Prices Significant Significant in Active Markets Other Observable Unobservable Carrying for Identical Assets Inputs Inputs Value (Level 1) (Level 2) (Level 3) (Dollars in thousands) Loans individually evaluated for impairment $ 26,828 $ — $ — $ 26,828 OREO 4,094 — — 4,094 $ 30,922 $ — $ — $ 30,922
Schedule Of Carrying Amounts And Estimated Fair Values Of Financial Instruments	2015 2014 Estimated Estimated Carrying Fair Carrying Fair Amount Value Amount Value (Dollars in thousands) Assets: Cash and cash equivalents $ 772,632 $ 772,632 $ 810,840 $ 810,840 AFS securities 758,171 758,171 840,790 840,790 HTM securities 1,271,122 1,295,274 1,552,699 1,571,524 Loans receivable 6,625,027 6,870,176 6,233,170 6,429,840 FHLB stock 150,543 150,543 213,054 213,054 Liabilities: Deposits 4,832,520 4,869,312 4,655,272 4,674,268 FHLB borrowings 3,270,521 3,339,650 3,369,677 3,423,547 Repurchase agreements 200,000 209,807 220,000 227,539

Selected Quarterly Financial 36

Selected Quarterly Financial Data (Tables)	12 Months Ended
	Sep. 30, 2015
Selected Quarterly Financial Information [Abstract]
Summary Of Quarterly Data	First Second Third Fourth Quarter Quarter Quarter Quarter Total (Dollars and counts in thousands, except per share amounts) 2015 Total interest and dividend income $ 74,900 $ 73,877 $ 74,174 $ 74,411 $ 297,362 Net interest and dividend income 48,036 46,779 47,013 47,940 189,768 Provision for credit losses 173 275 323 — 771 Net income 20,472 19,234 19,602 18,785 78,093 Basic EPS 0.15 0.14 0.14 0.14 0.58 Diluted EPS 0.15 0.14 0.14 0.14 0.58 Dividends declared per share 0.335 0.085 0.335 0.085 0.84 Average number of basic shares outstanding 136,088 136,208 135,746 133,515 135,384 Average number of diluted shares outstanding 136,116 136,246 135,763 133,533 135,409 2014 Total interest and dividend income $ 72,234 $ 71,857 $ 71,921 $ 74,234 $ 290,246 Net interest and dividend income 44,245 45,727 46,198 47,973 184,143 Provision for credit losses 515 160 307 427 1,409 Net income 17,813 19,688 19,983 20,210 77,694 Basic EPS 0.12 0.14 0.14 0.15 0.56 Diluted EPS 0.12 0.14 0.14 0.15 0.56 Dividends declared per share 0.505 0.075 0.325 0.075 0.98 Average number of basic shares outstanding 142,882 139,489 138,332 137,047 139,440 Average number of diluted shares outstanding 142,883 139,489 138,334 137,051 139,442

Parent Company Financial Info37

Parent Company Financial Information (Parent Company Only) (Tables)	12 Months Ended
	Sep. 30, 2015
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Schedule Of Balance Sheets	BALANCE SHEETS SEPTEMBER 30, 2015 and 2014 (Dollars in thousands, except per share amounts) 2015 2014 ASSETS: Cash and cash equivalents $ 96,171 $ 139,540 Investment in the Bank 1,274,429 1,306,351 Note receivable - ESOP 44,984 46,140 Other assets 420 484 Income taxes receivable, net 318 3,618 Deferred income tax assets, net — 393 TOTAL ASSETS $ 1,416,322 $ 1,496,526 LIABILITIES: Accounts payable and accrued expenses $ 60 $ 3,644 Deferred income tax liabilities, net 36 — Total liabilities 96 3,644 STOCKHOLDERS' EQUITY: Preferred stock, $.01 par value; 100,000,000 shares authorized, no shares issued or outstanding — — Common stock, $.01 par value; 1,400,000,000 shares authorized, 137,106,822 and 140,951,203 shares issued and outstanding as of September 30, 2015 and 2014, respectively 1,371 1,410 Additional paid-in capital 1,151,041 1,180,732 Unearned compensation - ESOP (41,299 ) (42,951 ) Retained earnings 296,739 346,705 AOCI, net of tax 8,374 6,986 Total stockholders' equity 1,416,226 1,492,882 TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY $ 1,416,322 $ 1,496,526
Schedule Of Statements Of Income	STATEMENTS OF INCOME YEARS ENDED SEPTEMBER 30, 2015, 2014 and 2013 (Dollars in thousands) 2015 2014 2013 INTEREST AND DIVIDEND INCOME: Dividend income from the Bank $ 115,359 $ 145,276 $ 70,512 Interest income from other investments 1,835 2,004 2,328 Interest income from securities — — 62 Total interest and dividend income 117,194 147,280 72,902 NON-INTEREST EXPENSE: Salaries and employee benefits 835 774 857 Regulatory and outside services 243 248 473 Other non-interest expense 517 606 648 Total non-interest expense 1,595 1,628 1,978 INCOME BEFORE INCOME TAX EXPENSE AND EQUITY IN EXCESS OF DISTRIBUTION OVER EARNINGS OF SUBSIDIARY 115,599 145,652 70,924 INCOME TAX EXPENSE 84 132 144 INCOME BEFORE EQUITY IN EXCESS OF DISTRIBUTION OVER EARNINGS OF SUBSIDIARY 115,515 145,520 70,780 EQUITY IN EXCESS OF DISTRIBUTION OVER EARNINGS OF SUBSIDIARY (37,422 ) (67,826 ) (1,440 ) NET INCOME $ 78,093 $ 77,694 $ 69,340
Schedule Of Statements Of Cash Flows	STATEMENTS OF CASH FLOWS YEARS ENDED SEPTEMBER 30, 2015, 2014 and 2013 (Dollars in thousands) 2015 2014 2013 CASH FLOWS FROM OPERATING ACTIVITIES: Net income $ 78,093 $ 77,694 $ 69,340 Adjustments to reconcile net income to net cash provided by operating activities: Equity in excess of distribution over earnings of subsidiary 37,422 67,826 1,440 Depreciation of equipment 30 2 — Amortization/accretion of premiums/discounts — — 74 Other, net — — 263 Provision for deferred income taxes 428 3,768 3,216 Changes in: Other assets 35 166 (198 ) Income taxes receivable/payable 3,300 (562 ) (220 ) Accounts payable and accrued expenses 1 (12 ) (27 ) Net cash flows provided by operating activities 119,309 148,882 73,888 CASH FLOWS FROM INVESTING ACTIVITIES: Proceeds from maturities of AFS securities — — 60,000 Principal collected on notes receivable from ESOP 1,156 1,120 2,827 Purchase of equipment — (370 ) — Net cash flows provided by investing activities 1,156 750 62,827 CASH FLOWS FROM FINANCING ACTIVITIES: Net payment from subsidiary related to restricted stock awards 95 243 34 Dividends paid (114,162 ) (138,172 ) (146,824 ) Repurchase of common stock (50,034 ) (79,633 ) (91,573 ) Stock options exercised 267 458 12 Net cash flows used in financing activities (163,834 ) (217,104 ) (238,351 ) NET DECREASE IN CASH AND CASH EQUIVALENTS (43,369 ) (67,472 ) (101,636 ) CASH AND CASH EQUIVALENTS: Beginning of year 139,540 207,012 308,648 End of year $ 96,171 $ 139,540 $ 207,012

Summary Of Significant Accoun38

Summary Of Significant Accounting Policies (Narrative) (Details) $ in Millions	12 Months Ended
	Sep. 30, 2015USD ($)	Sep. 30, 2014USD ($)	Sep. 30, 2013USD ($)
Summary Of Significant Accounting Policies [Line Items]
Interest-bearing deposits held at the Federal Reserve Bank	$ 762	$ 797.3
Average daily balance of required reserves at the Federal Reserve Bank	8.7	9.1
Affordable Housing Tax Credits and Other Tax Benefits, Amount	4.3	3.6	$ 2.7
Other Assets [Member]
Summary Of Significant Accounting Policies [Line Items]
Investment In Affordable Housing Limited Partnerships	41.8	46.4
Accounts Payable and Accrued Expenses [Member]
Summary Of Significant Accounting Policies [Line Items]
Obligations Related to Investments in Affordable Housing Limited Partnerships	$ 14.6	$ 20.7
Traditional Banking Offices [Member]
Summary Of Significant Accounting Policies [Line Items]
Number of Stores	37
In-Store Banking Offices [Member]
Summary Of Significant Accounting Policies [Line Items]
Number of Stores	10
Building [Member]
Summary Of Significant Accounting Policies [Line Items]
Property, plant and equipment, estimated useful life, years	39 years
Structural Building Components [Member]
Summary Of Significant Accounting Policies [Line Items]
Property, plant and equipment, estimated useful life, years	15 years
Maximum [Member] | Furniture, Fixtures And Equipment [Member]
Summary Of Significant Accounting Policies [Line Items]
Property, plant and equipment, estimated useful life, years	7 years
Maximum [Member] | Leasehold Improvements [Member]
Summary Of Significant Accounting Policies [Line Items]
Property, plant and equipment, estimated useful life, years	15 years
Minimum [Member]
Summary Of Significant Accounting Policies [Line Items]
Period of service required for ESOP eligibility	1 year
Employee age required for ESOP eligibility, years	21
Number of hours required for ESOP eligibility	1,000
Minimum [Member] | Furniture, Fixtures And Equipment [Member]
Summary Of Significant Accounting Policies [Line Items]
Property, plant and equipment, estimated useful life, years	3 years
Minimum [Member] | Leasehold Improvements [Member]
Summary Of Significant Accounting Policies [Line Items]
Property, plant and equipment, estimated useful life, years	3 years

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2013
Earnings Per Share
Net income	$ 18,785	$ 19,602	$ 19,234	$ 20,472	$ 20,210	$ 19,983	$ 19,688	$ 17,813	$ 78,093	$ 77,694	$ 69,340
Income allocated to participating securities									(116)	(176)	(205)
Net income available to common stockholders									$ 77,977	$ 77,518	$ 69,135
Total basic average common shares outstanding	133,515,000	135,746,000	136,208,000	136,088,000	137,047,000	138,332,000	139,489,000	142,882,000	135,383,693	139,440,073	144,847,156
Effect of dilutive stock options									24,810	1,891	853
Total diluted average common shares outstanding	133,533,000	135,763,000	136,246,000	136,116,000	137,051,000	138,334,000	139,489,000	142,883,000	135,408,503	139,441,964	144,848,009
Net EPS:
Basic	$ 0.14	$ 0.14	$ 0.14	$ 0.15	$ 0.15	$ 0.14	$ 0.14	$ 0.12	$ 0.58	$ 0.56	$ 0.48
Diluted	$ 0.14	$ 0.14	$ 0.14	$ 0.15	$ 0.15	$ 0.14	$ 0.14	$ 0.12	$ 0.58	$ 0.56	$ 0.48
Antidilutive stock options, excluded from the diluted average common shares outstanding calculation									1,248,744	2,060,748	2,430,629
Average Common Shares Outstanding [Member]
Earnings Per Share
Total basic average common shares outstanding									135,321,235	139,377,615	144,638,458
Average Committed ESOP Shares Outstanding [Member]
Earnings Per Share
Total basic average common shares outstanding									62,458	62,458	208,698

Securities (Amortized Cost, Est

Securities (Amortized Cost, Estimated Fair Value, and Gross Unrealized Gains and Losses of AFS and HTM Securities) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Sep. 30, 2014
Schedule Of Available For Sale And Held To Maturity Securities [Line Items]
Available-for-sale Securities, Amortized Cost	$ 744,708	$ 829,558
Available-for-sale Securities, Gross Unrealized Gains	13,797	17,070
Available-for-sale Securities, Gross Unrealized Losses	334	5,838
Available-for-sale Securities, Estimated Fair Value	758,171	840,790
Held-to-maturity Securities, Amortized Cost	1,271,122	1,552,699
Held-to-maturity Securities, Gross Unrealized Gains	27,762	31,784
Held-to-maturity Securities, Gross Unrealized Losses	3,610	12,959
Held-to-maturity securities, Estimated Fair Value	1,295,274	1,571,524
Marketable Securities, Amortized Cost	2,015,830	2,382,257
Marketable Securities, Gross Unrealized Gains	41,559	48,854
Marketable Securities, Gross Unrealized Losses	3,944	18,797
Marketable Securities, Estimated Fair Value	2,053,445	2,412,314
GSE Debentures [Member]
Schedule Of Available For Sale And Held To Maturity Securities [Line Items]
Available-for-sale Securities, Amortized Cost	525,376	554,811
Available-for-sale Securities, Gross Unrealized Gains	1,304	413
Available-for-sale Securities, Gross Unrealized Losses	60	5,469
Available-for-sale Securities, Estimated Fair Value	526,620	549,755
MBS [Member]
Schedule Of Available For Sale And Held To Maturity Securities [Line Items]
Available-for-sale Securities, Amortized Cost	217,006	271,138
Available-for-sale Securities, Gross Unrealized Gains	12,489	16,640
Available-for-sale Securities, Gross Unrealized Losses	4	172
Available-for-sale Securities, Estimated Fair Value	229,491	287,606
Held-to-maturity Securities, Amortized Cost	1,233,048	1,514,941
Held-to-maturity Securities, Gross Unrealized Gains	27,325	31,130
Held-to-maturity Securities, Gross Unrealized Losses	3,590	12,935
Held-to-maturity securities, Estimated Fair Value	1,256,783	1,533,136
Trust Preferred Securities [Member]
Schedule Of Available For Sale And Held To Maturity Securities [Line Items]
Available-for-sale Securities, Amortized Cost	2,186	2,493
Available-for-sale Securities, Gross Unrealized Gains	0	0
Available-for-sale Securities, Gross Unrealized Losses	270	197
Available-for-sale Securities, Estimated Fair Value	1,916	2,296
Municipal Bonds [Member]
Schedule Of Available For Sale And Held To Maturity Securities [Line Items]
Available-for-sale Securities, Amortized Cost	140	1,116
Available-for-sale Securities, Gross Unrealized Gains	4	17
Available-for-sale Securities, Gross Unrealized Losses	0	0
Available-for-sale Securities, Estimated Fair Value	144	1,133
Held-to-maturity Securities, Amortized Cost	38,074	37,758
Held-to-maturity Securities, Gross Unrealized Gains	437	654
Held-to-maturity Securities, Gross Unrealized Losses	20	24
Held-to-maturity securities, Estimated Fair Value	$ 38,491	$ 38,388

Securities (Schedule Of Estimat

Securities (Schedule Of Estimated Fair Value And Gross Unrealized Losses Of Securities In Continuous Unrealized Loss Position) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Sep. 30, 2014
Schedule of Investments [Line Items]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Estimated Fair Value	$ 39,135	$ 89,237
Available-for-sale Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Unrealized Losses	15	381
Available-for-sale Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Estimated Fair Value	52,558	405,685
Available-for-sale Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Unrealized Losses	319	5,457
Held-to-maturity Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Estimated Fair Value	41,896	358,032
Held-to-maturity Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Unrealized Losses	146	2,213
Held-to-maturity Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Estimated Fair Value	303,286	410,014
Held-to-maturity Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Unrealized Losses	3,464	10,746
GSE Debentures [Member]
Schedule of Investments [Line Items]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Estimated Fair Value	39,135	70,666
Available-for-sale Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Unrealized Losses	15	209
Available-for-sale Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Estimated Fair Value	49,955	403,389
Available-for-sale Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Unrealized Losses	45	5,260
Trust Preferred Securities [Member]
Schedule of Investments [Line Items]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Estimated Fair Value	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Unrealized Losses	0	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Estimated Fair Value	1,916	2,296
Available-for-sale Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Unrealized Losses	270	197
MBS [Member]
Schedule of Investments [Line Items]
Available-for-sale Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Estimated Fair Value	0	18,571
Available-for-sale Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Unrealized Losses	0	172
Available-for-sale Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Estimated Fair Value	687	0
Available-for-sale Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Unrealized Losses	4	0
Held-to-maturity Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Estimated Fair Value	38,604	353,344
Held-to-maturity Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Unrealized Losses	134	2,194
Held-to-maturity Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Estimated Fair Value	302,158	409,275
Held-to-maturity Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Unrealized Losses	3,456	10,741
Municipal Bonds [Member]
Schedule of Investments [Line Items]
Held-to-maturity Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Estimated Fair Value	3,292	4,688
Held-to-maturity Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Unrealized Losses	12	19
Held-to-maturity Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Estimated Fair Value	1,128	739
Held-to-maturity Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Unrealized Losses	$ 8	$ 5

Securities (Schedule Of Contrac

Securities (Schedule Of Contractual Maturities) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Sep. 30, 2014
Investment Holdings [Line Items]
Available-for-sale Securities, Amortized Cost	$ 744,708	$ 829,558
Available-for-sale Securities, Amortized Cost	744,708	829,558
Available-for-sale Securities, Estimated Fair Value	758,171	840,790
Available-for-sale Securities, Estimated Fair Value	758,171	840,790
Held-to-maturity Securities, Amortized Cost	1,271,122	1,552,699
Held-to-maturity Securities, Amortized Cost	1,271,122	1,552,699
Held-to-maturity Securities, Estimated Fair Value	1,295,274	1,571,524
Held-to-maturity securities, Estimated Fair Value	1,295,274	1,571,524
Debt Securities [Member]
Investment Holdings [Line Items]
Available-for-sale Securities, One year or less, Amortized Cost	25,160
Available-for-sale Securities, One year through five years, Amortized Cost	500,356
Available-for-sale Securities, Five years through ten years, Amortized Cost	0
Available-for-sale Securities, Ten years and thereafter, Amortized Cost	2,186
Available-for-sale Securities, Amortized Cost	527,702
Available-for-sale Securities, Amortized Cost	527,702
Available-for-sale Securities, One year or less, Estimated Fair Value	25,374
Available-for-sale Securities, One year through five years, Estimated Fair Value	501,390
Available-for-sale Securities, Five years through ten years, Estimated Fair Value	0
Available-for-sale Securities, Ten years and thereafter, Estimated Fair Value	1,916
Available-for-sale Securities, Estimated Fair Value	528,680
Available-for-sale Securities, Estimated Fair Value	528,680
Held-to-maturity Securities, One year or less, Amortized Cost	4,898
Held-to-maturity Securities, One year through five years, Amortized Cost	24,683
Held-to-maturity Securities, Five years through ten years, Amortized Cost	8,493
Held-to-maturity Securities, Ten years and thereafter, Amortized Cost	0
Held-to-maturity Securities, Amortized Cost	38,074
Held-to-maturity Securities, Amortized Cost	38,074
Held-to-maturity Securities, One year or less, Estimated Fair Value	4,961
Held-to-maturity Securities, One year through five years, Estimated Fair Value	24,983
Held-to-maturity Securities, Five years through ten years, Estimated Fair Value	8,547
Held-to-maturity Securities, Ten years and thereafter, Estimated Fair Value	0
Held-to-maturity Securities, Estimated Fair Value	38,491
Held-to-maturity securities, Estimated Fair Value	38,491
MBS [Member]
Investment Holdings [Line Items]
Available-for-sale Securities, Amortized Cost	217,006	271,138
Available-for-sale Securities, Amortized Cost	217,006	271,138
Available-for-sale Securities, Estimated Fair Value	229,491	287,606
Available-for-sale Securities, Estimated Fair Value	229,491	287,606
Held-to-maturity Securities, Amortized Cost	1,233,048	1,514,941
Held-to-maturity Securities, Amortized Cost	1,233,048	1,514,941
Held-to-maturity Securities, Estimated Fair Value	1,256,783	1,533,136
Held-to-maturity securities, Estimated Fair Value	$ 1,256,783	$ 1,533,136

Securities (Schedule Of Taxable

Securities (Schedule Of Taxable And Non-taxable Components Of Interest Income) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2013
Marketable Securities [Abstract]
Taxable	$ 6,431	$ 6,440	$ 8,796
Non-taxable	751	945	1,216
Interest income on investment securities	$ 7,182	$ 7,385	$ 10,012

Securities (Schedule Of Amortiz

Securities (Schedule Of Amortized Cost And Estimated Fair Value Of Securities Pledged As Collateral) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Sep. 30, 2014
Amortized Cost [Member]
Schedule of Amortized Cost and Estimated Fair Value of Securities Pledged as Collateral [Line Items]
Securities pledged as collateral	$ 796,434	$ 1,036,091
Estimated Fair Value [Member]
Schedule of Amortized Cost and Estimated Fair Value of Securities Pledged as Collateral [Line Items]
Securities pledged as collateral	812,499	1,046,992
Public Unit Deposits [Member] | Amortized Cost [Member]
Schedule of Amortized Cost and Estimated Fair Value of Securities Pledged as Collateral [Line Items]
Securities pledged as collateral	342,620	282,464
Public Unit Deposits [Member] | Estimated Fair Value [Member]
Schedule of Amortized Cost and Estimated Fair Value of Securities Pledged as Collateral [Line Items]
Securities pledged as collateral	347,505	284,251
Repurchase Agreements [Member] | Amortized Cost [Member]
Schedule of Amortized Cost and Estimated Fair Value of Securities Pledged as Collateral [Line Items]
Securities pledged as collateral	217,073	239,922
Repurchase Agreements [Member] | Estimated Fair Value [Member]
Schedule of Amortized Cost and Estimated Fair Value of Securities Pledged as Collateral [Line Items]
Securities pledged as collateral	225,806	247,306
FHLB Borrowings [Member] | Amortized Cost [Member]
Schedule of Amortized Cost and Estimated Fair Value of Securities Pledged as Collateral [Line Items]
Securities pledged as collateral	216,607	487,736
FHLB Borrowings [Member] | Estimated Fair Value [Member]
Schedule of Amortized Cost and Estimated Fair Value of Securities Pledged as Collateral [Line Items]
Securities pledged as collateral	218,199	488,368
Federal Reserve Bank [Member] | Amortized Cost [Member]
Schedule of Amortized Cost and Estimated Fair Value of Securities Pledged as Collateral [Line Items]
Securities pledged as collateral	20,134	25,969
Federal Reserve Bank [Member] | Estimated Fair Value [Member]
Schedule of Amortized Cost and Estimated Fair Value of Securities Pledged as Collateral [Line Items]
Securities pledged as collateral	$ 20,989	$ 27,067

Loans Receivable And Allowanc45

Loans Receivable And Allowance For Credit Losses (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2013	Sep. 30, 2015	Sep. 30, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Serviced loans for others, aggregate amount		$ 153,000	$ 195,000
Escrow balances on loans serviced for others		$ 2,900	3,400
Loan-to-value ratio securing multi-family, commercial real estate, and related construction loans, maximum		80.00%
Loans receivable		$ 6,625,027	6,233,170
Net charge-offs	$ 1,200
Regulatory net charge-offs	$ 381
ACL maintained for individually evaluated impaired loans		0	0
Doubtful [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable		$ 0	$ 0

Loans Receivable And Allowanc46

Loans Receivable And Allowance For Credit Losses (Summary Of Loans Receivable) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Sep. 30, 2014
Real estate loans:
One- to four-family	$ 6,342,412	$ 5,972,031
Multi-family and commercial	110,938	75,677
Construction	129,920	106,790
Total real estate loans	6,583,270	6,154,498
Consumer loans:
Home equity	125,844	130,484
Other	4,179	4,537
Total consumer loans	130,023	135,021
Total loans receivable	6,713,293	6,289,519
Less:
Undisbursed loan funds	90,565	52,001
ACL	9,443	9,227
Discounts/unearned loan fees	24,213	23,687
Premiums/deferred costs	(35,955)	(28,566)
Loans receivable, net	$ 6,625,027	$ 6,233,170

Loans Receivable And Allowanc47

Loans Receivable And Allowance For Credit Losses (Recorded Investment in Loans, Past Due) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Sep. 30, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, total delinquent loans	$ 43,868	$ 40,338
Financing receivable, current loans	6,590,602	6,202,059
Financing receivable, total recorded investment	6,634,470	6,242,397
One- To Four-Family Loans - Originated [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, total delinquent loans	26,378	23,962
Financing receivable, current loans	5,869,289	5,421,112
Financing receivable, total recorded investment	5,895,667	5,445,074
One- To Four-Family Loans - Purchased [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, total delinquent loans	16,261	15,127
Financing receivable, current loans	472,114	550,229
Financing receivable, total recorded investment	488,375	565,356
Multi-Family And Commercial Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, total delinquent loans	0	0
Financing receivable, current loans	120,405	96,946
Financing receivable, total recorded investment	120,405	96,946
Consumer - Home Equity [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, total delinquent loans	1,200	1,167
Financing receivable, current loans	124,644	129,317
Financing receivable, total recorded investment	125,844	130,484
Consumer - Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, total delinquent loans	29	82
Financing receivable, current loans	4,150	4,455
Financing receivable, total recorded investment	4,179	4,537
Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, total delinquent loans	27,310	24,172
Financing Receivables, 30 to 89 Days Past Due [Member] | One- To Four-Family Loans - Originated [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, total delinquent loans	19,285	15,396
Financing Receivables, 30 to 89 Days Past Due [Member] | One- To Four-Family Loans - Purchased [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, total delinquent loans	7,305	7,937
Financing Receivables, 30 to 89 Days Past Due [Member] | Multi-Family And Commercial Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, total delinquent loans	0	0
Financing Receivables, 30 to 89 Days Past Due [Member] | Consumer - Home Equity [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, total delinquent loans	703	770
Financing Receivables, 30 to 89 Days Past Due [Member] | Consumer - Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, total delinquent loans	17	69
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, total delinquent loans	16,558	16,166
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | One- To Four-Family Loans - Originated [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, total delinquent loans	7,093	8,566
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | One- To Four-Family Loans - Purchased [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, total delinquent loans	8,956	7,190
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Multi-Family And Commercial Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, total delinquent loans	0	0
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Consumer - Home Equity [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, total delinquent loans	497	397
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Consumer - Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, total delinquent loans	$ 12	$ 13

Loans Receivable And Allowanc48

Loans Receivable And Allowance For Credit Losses (Recorded Investment in Loans, Nonaccrual) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Sep. 30, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, nonaccrual loans	$ 25,935	$ 24,941
One- To Four-Family Loans - Originated [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, nonaccrual loans	16,093	16,546
One- To Four-Family Loans - Purchased [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, nonaccrual loans	9,038	7,940
Multi-Family And Commercial Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, nonaccrual loans	0	0
Consumer - Home Equity [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, nonaccrual loans	792	442
Consumer - Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Financing receivable, nonaccrual loans	$ 12	$ 13

Loans Receivable And Allowanc49

Loans Receivable And Allowance For Credit Losses (Recorded Investment In Classified Loans) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Sep. 30, 2014
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, total recorded investment	$ 6,634,470	$ 6,242,397
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, total recorded investment	17,676	22,957
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, total recorded investment	43,837	41,521
One- To Four-Family Loans - Originated [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, total recorded investment	5,895,667	5,445,074
One- To Four-Family Loans - Originated [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, total recorded investment	16,149	20,068
One- To Four-Family Loans - Originated [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, total recorded investment	29,282	29,151
One- To Four-Family Loans - Purchased [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, total recorded investment	488,375	565,356
One- To Four-Family Loans - Purchased [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, total recorded investment	1,376	2,738
One- To Four-Family Loans - Purchased [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, total recorded investment	13,237	11,470
Multi-Family And Commercial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, total recorded investment	120,405	96,946
Multi-Family And Commercial Loans [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, total recorded investment	0	0
Multi-Family And Commercial Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, total recorded investment	0	0
Consumer - Home Equity [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, total recorded investment	125,844	130,484
Consumer - Home Equity [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, total recorded investment	151	146
Consumer - Home Equity [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, total recorded investment	1,301	887
Consumer - Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, total recorded investment	4,179	4,537
Consumer - Other [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, total recorded investment	0	5
Consumer - Other [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing receivable, total recorded investment	$ 17	$ 13

Loans Receivable And Allowanc50

Loans Receivable And Allowance For Credit Losses (LTV And Credit Score Information For Originated And Purchased One-To Four-Family Loans And Originated Consumer Home Equity Loans) (Details)	Sep. 30, 2015	Sep. 30, 2014
Financing Receivable, Recorded Investment [Line Items]
Weighted average credit score	764	762
Weighted average LTV	64.00%	64.00%
One- To Four-Family Loans - Originated [Member]
Financing Receivable, Recorded Investment [Line Items]
Weighted average credit score	765	764
Weighted average LTV	65.00%	65.00%
One- To Four-Family Loans - Purchased [Member]
Financing Receivable, Recorded Investment [Line Items]
Weighted average credit score	752	749
Weighted average LTV	65.00%	66.00%
Consumer - Home Equity [Member]
Financing Receivable, Recorded Investment [Line Items]
Weighted average credit score	753	751
Weighted average LTV	18.00%	18.00%

Loans Receivable And Allowanc51

Loans Receivable And Allowance For Credit Losses (Troubled Debt Restructurings On Financing Receivables) (Details) $ in Thousands	12 Months Ended
	Sep. 30, 2015USD ($)	Sep. 30, 2014USD ($)	Sep. 30, 2013USD ($)
Financing Receivable, Modifications [Line Items]
Number of Contracts	172	158	203
Pre-Restructured Outstanding	$ 19,442	$ 18,875	$ 33,410
Post-Restructured Outstanding	$ 19,651	$ 18,942	$ 33,650
One- To Four-Family Loans - Originated [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	143	145	178
Pre-Restructured Outstanding	$ 17,811	$ 17,721	$ 30,707
Post-Restructured Outstanding	$ 18,010	$ 17,785	$ 30,900
One- To Four-Family Loans - Purchased [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	4	7	9
Pre-Restructured Outstanding	$ 1,140	$ 1,054	$ 2,324
Post-Restructured Outstanding	$ 1,144	$ 1,056	$ 2,366
Multi-Family And Commercial Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	0	0	2
Pre-Restructured Outstanding	$ 0	$ 0	$ 82
Post-Restructured Outstanding	$ 0	$ 0	$ 79
Consumer - Home Equity [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	22	6	14
Pre-Restructured Outstanding	$ 479	$ 100	$ 297
Post-Restructured Outstanding	$ 485	$ 101	$ 305
Consumer - Other [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	3	0	0
Pre-Restructured Outstanding	$ 12	$ 0	$ 0
Post-Restructured Outstanding	$ 12	$ 0	$ 0

Loans Receivable And Allowanc52

Loans Receivable And Allowance For Credit Losses (Troubled Debt Restructurings On Financing Receivables That Subsequently Defaulted) (Details) $ in Thousands	12 Months Ended
	Sep. 30, 2015USD ($)	Sep. 30, 2014USD ($)	Sep. 30, 2013USD ($)
Financing Receivable, Modifications [Line Items]
Number of Contracts	61	43	48
Recorded Investment	$ 6,671	$ 4,948	$ 4,643
One- To Four-Family Loans - Originated [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	52	38	38
Recorded Investment	$ 5,743	$ 4,112	$ 3,341
One- To Four-Family Loans - Purchased [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	4	3	6
Recorded Investment	$ 890	$ 780	$ 1,270
Multi-Family And Commercial Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	0	0	0
Recorded Investment	$ 0	$ 0	$ 0
Consumer - Home Equity [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	4	2	3
Recorded Investment	$ 33	$ 56	$ 22
Consumer - Other [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts	1	0	1
Recorded Investment	$ 5	$ 0	$ 10

Loans Receivable And Allowanc53

Loans Receivable And Allowance For Credit Losses (Impaired Loans By Class, Instant Related Disclosures) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Sep. 30, 2014
Financing Receivable, Impaired [Line Items]
Recorded Investment, No Related Allowance	$ 22,808	$ 26,894
Recorded Investment, Allowance Recorded	31,096	25,959
Recorded Investment	53,904	52,853
Unpaid Principal Balance, No Related Allowance	26,049	30,317
Unpaid Principal Balance, Allowance Recorded	31,158	26,022
Unpaid Principal Balance	57,207	56,339
Related ACL	467	202
With no related allowance recorded [Member]
Financing Receivable, Impaired [Line Items]
Related ACL	0	0
With an allowance recorded [Member]
Financing Receivable, Impaired [Line Items]
Related ACL	467	202
One- To Four-Family Loans - Originated [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, No Related Allowance	11,169	13,871
Recorded Investment, Allowance Recorded	26,453	23,675
Recorded Investment	37,622	37,546
Unpaid Principal Balance, No Related Allowance	11,857	14,507
Unpaid Principal Balance, Allowance Recorded	26,547	23,767
Unpaid Principal Balance	38,404	38,274
Related ACL	294	107
One- To Four-Family Loans - Originated [Member] | With no related allowance recorded [Member]
Financing Receivable, Impaired [Line Items]
Related ACL	0	0
One- To Four-Family Loans - Originated [Member] | With an allowance recorded [Member]
Financing Receivable, Impaired [Line Items]
Related ACL	294	107
One- To Four-Family Loans - Purchased [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, No Related Allowance	11,035	12,405
Recorded Investment, Allowance Recorded	3,764	1,820
Recorded Investment	14,799	14,225
Unpaid Principal Balance, No Related Allowance	13,315	14,896
Unpaid Principal Balance, Allowance Recorded	3,731	1,791
Unpaid Principal Balance	17,046	16,687
Related ACL	110	56
One- To Four-Family Loans - Purchased [Member] | With no related allowance recorded [Member]
Financing Receivable, Impaired [Line Items]
Related ACL	0	0
One- To Four-Family Loans - Purchased [Member] | With an allowance recorded [Member]
Financing Receivable, Impaired [Line Items]
Related ACL	110	56
Multi-Family And Commercial Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, No Related Allowance	0	0
Recorded Investment, Allowance Recorded	0	0
Recorded Investment	0	0
Unpaid Principal Balance, No Related Allowance	0	0
Unpaid Principal Balance, Allowance Recorded	0	0
Unpaid Principal Balance	0	0
Related ACL	0	0
Multi-Family And Commercial Loans [Member] | With no related allowance recorded [Member]
Financing Receivable, Impaired [Line Items]
Related ACL	0	0
Multi-Family And Commercial Loans [Member] | With an allowance recorded [Member]
Financing Receivable, Impaired [Line Items]
Related ACL	0	0
Consumer - Home Equity [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, No Related Allowance	591	605
Recorded Investment, Allowance Recorded	869	464
Recorded Investment	1,460	1,069
Unpaid Principal Balance, No Related Allowance	837	892
Unpaid Principal Balance, Allowance Recorded	870	464
Unpaid Principal Balance	1,707	1,356
Related ACL	62	39
Consumer - Home Equity [Member] | With no related allowance recorded [Member]
Financing Receivable, Impaired [Line Items]
Related ACL	0	0
Consumer - Home Equity [Member] | With an allowance recorded [Member]
Financing Receivable, Impaired [Line Items]
Related ACL	62	39
Consumer - Other [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment, No Related Allowance	13	13
Recorded Investment, Allowance Recorded	10	0
Recorded Investment	23	13
Unpaid Principal Balance, No Related Allowance	40	22
Unpaid Principal Balance, Allowance Recorded	10	0
Unpaid Principal Balance	50	22
Related ACL	1	0
Consumer - Other [Member] | With no related allowance recorded [Member]
Financing Receivable, Impaired [Line Items]
Related ACL	0	0
Consumer - Other [Member] | With an allowance recorded [Member]
Financing Receivable, Impaired [Line Items]
Related ACL	$ 1	$ 0

Loans Receivable And Allowanc54

Loans Receivable And Allowance For Credit Losses (Impaired Loans By Class, Duration Related Disclosures) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2013
Financing Receivable, Impaired [Line Items]
Average Recorded Investment, No Related Allowance	$ 23,865	$ 27,333	$ 25,079
Average Recorded Investment, Allowance Recorded	30,994	31,092	43,257
Average Recorded Investment	54,859	58,425	68,336
Interest Income Recognized, No Related Allowance	686	661	546
Interest Income Recognized, Allowance Recorded	1,155	1,193	1,752
Interest Income Recognized	1,841	1,854	2,298
One- To Four-Family Loans - Originated [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment, No Related Allowance	12,215	13,455	9,763
Average Recorded Investment, Allowance Recorded	27,224	28,171	40,590
Average Recorded Investment	39,439	41,626	50,353
Interest Income Recognized, No Related Allowance	461	416	321
Interest Income Recognized, Allowance Recorded	1,079	1,117	1,651
Interest Income Recognized	1,540	1,533	1,972
One- To Four-Family Loans - Purchased [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment, No Related Allowance	11,153	13,305	14,730
Average Recorded Investment, Allowance Recorded	2,960	2,334	2,052
Average Recorded Investment	14,113	15,639	16,782
Interest Income Recognized, No Related Allowance	196	212	186
Interest Income Recognized, Allowance Recorded	40	53	74
Interest Income Recognized	236	265	260
Multi-Family And Commercial Loans [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment, No Related Allowance	0	0	0
Average Recorded Investment, Allowance Recorded	0	17	58
Average Recorded Investment	0	17	58
Interest Income Recognized, No Related Allowance	0	0	0
Interest Income Recognized, Allowance Recorded	0	1	3
Interest Income Recognized	0	1	3
Consumer - Home Equity [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment, No Related Allowance	485	567	567
Average Recorded Investment, Allowance Recorded	795	558	534
Average Recorded Investment	1,280	1,125	1,101
Interest Income Recognized, No Related Allowance	29	33	39
Interest Income Recognized, Allowance Recorded	34	22	23
Interest Income Recognized	63	55	62
Consumer - Other [Member]
Financing Receivable, Impaired [Line Items]
Average Recorded Investment, No Related Allowance	12	6	19
Average Recorded Investment, Allowance Recorded	15	12	23
Average Recorded Investment	27	18	42
Interest Income Recognized, No Related Allowance	0	0	0
Interest Income Recognized, Allowance Recorded	2	0	1
Interest Income Recognized	$ 2	$ 0	$ 1

Loans Receivable And Allowanc55

Loans Receivable And Allowance For Credit Losses (Allowance For Credit Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2013
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	$ 9,227	$ 8,822	$ 11,100
Charge-offs	(735)	(1,142)	(1,657)
Recoveries	180	138	446
Provision for credit losses	771	1,409	(1,067)
Ending Balance	9,443	9,227	8,822
One- To Four-Family Loans - Originated [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	6,263	5,771	6,074
Charge-offs	(435)	(380)	(637)
Recoveries	56	1	14
Provision for credit losses	1,096	871	320
Ending Balance	6,980	6,263	5,771
One- To Four-Family Loans - Purchased [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	2,323	2,486	4,453
Charge-offs	(228)	(653)	(761)
Recoveries	58	64	398
Provision for credit losses	(719)	426	(1,604)
Ending Balance	1,434	2,323	2,486
One-To Four-Family Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	8,586	8,257	10,527
Charge-offs	(663)	(1,033)	(1,398)
Recoveries	114	65	412
Provision for credit losses	377	1,297	(1,284)
Ending Balance	8,414	8,586	8,257
Multi-Family And Commercial Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	400	185	219
Charge-offs	0	0	0
Recoveries	0	0	0
Provision for credit losses	342	215	(34)
Ending Balance	742	400	185
Consumer [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning Balance	241	380	354
Charge-offs	(72)	(109)	(259)
Recoveries	66	73	34
Provision for credit losses	52	(103)	251
Ending Balance	$ 287	$ 241	$ 380

Loans Receivable And Allowanc56

Loans Receivable And Allowance For Credit Losses (Summary Of Loan Portfolio Segment Disaggregated By The Company's Impairment Method) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Sep. 30, 2014
Financing Receivable, Impaired [Line Items]
Recorded investment in loans collectively evaluated for impairment	$ 6,611,662	$ 6,215,503
Recorded investment in loans individually evaluated for impairment	22,808	26,894
Financing receivable, total recorded investment	6,634,470	6,242,397
ACL for loans collectively evaluated for impairment	9,443	9,227
One- To Four-Family Loans - Originated [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment in loans collectively evaluated for impairment	5,884,498	5,431,203
Recorded investment in loans individually evaluated for impairment	11,169	13,871
Financing receivable, total recorded investment	5,895,667	5,445,074
ACL for loans collectively evaluated for impairment	6,980	6,263
One- To Four-Family Loans - Purchased [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment in loans collectively evaluated for impairment	477,340	552,951
Recorded investment in loans individually evaluated for impairment	11,035	12,405
Financing receivable, total recorded investment	488,375	565,356
ACL for loans collectively evaluated for impairment	1,434	2,323
One-To Four-Family Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment in loans collectively evaluated for impairment	6,361,838	5,984,154
Recorded investment in loans individually evaluated for impairment	22,204	26,276
Financing receivable, total recorded investment	6,384,042	6,010,430
ACL for loans collectively evaluated for impairment	8,414	8,586
Multi-Family And Commercial Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment in loans collectively evaluated for impairment	120,405	96,946
Recorded investment in loans individually evaluated for impairment	0	0
Financing receivable, total recorded investment	120,405	96,946
ACL for loans collectively evaluated for impairment	742	400
Consumer [Member]
Financing Receivable, Impaired [Line Items]
Recorded investment in loans collectively evaluated for impairment	129,419	134,403
Recorded investment in loans individually evaluated for impairment	604	618
Financing receivable, total recorded investment	130,023	135,021
ACL for loans collectively evaluated for impairment	$ 287	$ 241

Premises And Equipment, Net (Na

Premises And Equipment, Net (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2013
Property, Plant and Equipment, Net [Abstract]
Rental expense	$ 1.1	$ 1.1	$ 1.2

Premises And Equipment, Net (Su

Premises And Equipment, Net (Summary Of The Carrying Value Of Banking Premises And Equipment) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Sep. 30, 2014
Property, Plant and Equipment [Line Items]
Property, plant and equipment, gross	$ 136,714	$ 128,435
Accumulated depreciation, property, plant and equipment	60,904	57,905
Property, plant and equipment, net	75,810	70,530
Land [Member]
Property, Plant and Equipment [Line Items]
Property, plant and equipment, gross	11,055	11,041
Building and Improvements [Member]
Property, Plant and Equipment [Line Items]
Property, plant and equipment, gross	82,928	76,029
Furniture, Fixtures and Equipment [Member]
Property, Plant and Equipment [Line Items]
Property, plant and equipment, gross	$ 42,731	$ 41,365

Premises And Equipment, Net (Sc

Premises And Equipment, Net (Schedule Of Future Minimum Rental Commitments) (Details) $ in Thousands	Sep. 30, 2015USD ($)
Property, Plant and Equipment, Net [Abstract]
2,016	$ 1,101
2,017	999
2,018	998
2,019	895
2,020	679
Thereafter	3,141
Future minimum rental commitments, total	$ 7,813

Deposits and Borrowed Funds (Na

Deposits and Borrowed Funds (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Noninterest-bearing deposits	$ 188,000	$ 167,000
Time Deposits, $250,000 or More, Domestic	490,100	402,100
FHLB Advances, outstanding balance	3,270,521	3,369,677
FHLB line of credit, outstanding balance	$ 700,000	800,000
Expiration date for FHLB line of credit	Nov. 18, 2016
FHLB advance prepayment penalty	$ 4,479	5,350
FHLB borrowings threshold percentage of regulatory assets	40.00%
FHLB borrowings threshold percentage of regulatory assets, temporary increase	55.00%
FHLB percentage of regulatory assets	33.00%
Repurchase agreements	$ 200,000	$ 220,000
Weighted average rate of repurchase agreements	2.94%	3.08%
Repurchase Agreements, Description of Potential Risks	See the Securities Note for information regarding the amount of securities pledged as collateral in conjunction with repurchase agreements. Securities are delivered to the party with whom each transaction is executed and the party agrees to resell the same securities to the Bank at the maturity of the agreement. The Bank retains the right to substitute similar or like securities throughout the terms of the agreements. The repurchase agreements and collateral are subject to valuation at current market levels and the Bank may ask for the return of excess collateral or be required to post additional collateral due to changes in the market values of these items. The Bank may also be required to post additional collateral as a result of principal payments received on the securities pledged.
Prepayments Of FHLB Advances [Member]
Prepayments of fixed-rate FHLB advances	$ 325,000
Weighted average interest rate of FHLB advances	2.61%
Weighted average remaining term to maturity in months	4 months
FHLB advance prepayment penalty	$ 3,400
New Borrowings [Member]
New fixed-rate FHLB advances	$ 325,000
Weighted average interest rate of FHLB advances	1.66%
Weighted average remaining term to maturity in months	53 months
Basis point impact of FHLB prepayment penalty	42
FHLB Advances [Member]
FHLB Advances, outstanding balance	$ 2,570,521	$ 2,569,677
Leverage Strategy [Member]
FHLB line of credit available for leverage strategy, maximum	$ 2,100,000

Deposits and Borrowed Funds (FH

Deposits and Borrowed Funds (FHLB Advances) (Details) - USD ($) $ in Thousands		Sep. 30, 2015	Sep. 30, 2014
Debt [Line Items]
Fixed-rate FHLB advances		$ 2,575,000	$ 2,575,000
Deferred prepayment penalty		(4,479)	(5,350)
Deferred gain on terminated interest rate swaps		0	27
FHLB Advances, outstanding balance		$ 3,270,521	$ 3,369,677
Weighted average contractual interest rate on FHLB advances		2.09%	2.19%
Weighted average effective interest rate on FHLB advances	[1]	2.24%	2.39%
FHLB Advances [Member]
Debt [Line Items]
FHLB Advances, outstanding balance		$ 2,570,521	$ 2,569,677
[1]	The effective interest rate includes the net impact of deferred amounts related to certain FHLB advances.

Deposits and Borrowed Funds (Ma

Deposits and Borrowed Funds (Maturity Of Borrowed Funds and Certificates of Deposit) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Sep. 30, 2014
Deposits and Borrowed Funds [Abstract]
FHLB Advances Due in 2015	$ 400,000
FHLB Advances Due in 2016	500,000
FHLB Advances Due in 2017	375,000
FHLB Advances Due in 2018	300,000
FHLB Advances Due in 2019	250,000
FHLB Advances Due Thereafter	750,000
FHLB Advances Amount	2,575,000	$ 2,575,000
Repurchase Agreements Due in 2015	0
Repurchase Agreements Due in 2016	0
Repurchase Agreements Due in 2017	100,000
Repurchase Agreements Due in 2018	0
Repurchase Agreements Due in 2019	100,000
Repurchase Agreements Due Thereafter	0
Repurchase Agreements Amount	200,000
Certificates of Deposit Due in 2015	1,091,379
Certificates of Deposit Due in 2016	596,041
Certificates of Deposit Due in 2017	404,131
Certificates of Deposit Due in 2018	345,912
Certificates of Deposit Due in 2019	194,560
Certificates of Deposit Due Thereafter	1,144
Certificates of Deposit Amount	$ 2,633,167

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2013
Income Tax Disclosure [Abstract]
Income tax expense effective rates	32.50%	32.50%	34.30%
Valuation allowance	$ 1,807	$ 1,810

Income Taxes (Schedule Of Incom

Income Taxes (Schedule Of Income Tax Expense) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2013
Income Tax Disclosure [Abstract]
Current, Federal	$ 30,079	$ 32,137	$ 27,570
Current, State	4,395	3,215	2,963
Current income tax expense	34,474	35,352	30,533
Deferred, Federal	2,869	2,121	5,586
Deferred, State	332	(15)	110
Deferred income tax expense	3,201	2,106	5,696
Income tax expense	$ 37,675	$ 37,458	$ 36,229

Income Taxes (Differences Betwe

Income Taxes (Differences Between Effective Rates And Statutory Federal Income Tax Rate Computed On Income Before Income Tax Expense) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2013
Income Tax Disclosure [Abstract]
Federal income tax expense computed at statutory Federal rate, Amount	$ 40,519	$ 40,303	$ 36,949
Federal income tax expense computed at statutory Federal rate, Percentage	35.00%	35.00%	35.00%
Increases (Decreases) In Taxes Resulting From:
State taxes, net of Federal tax effect, Amount	$ 3,257	$ 3,200	$ 3,073
State taxes, net of Federal tax effect, Percentage	2.80%	2.80%	2.90%
Low income housing tax credits, Amount	$ (4,316)	$ (3,580)	$ (2,675)
Low income housing tax credits, Percentage	(3.70%)	(3.10%)	(2.50%)
ESOP related expenses, net, Amount	$ (1,222)	$ (1,550)	$ (347)
ESOP related expenses, net, Percentage	(1.10%)	(1.40%)	(0.30%)
Other, Amount	$ (563)	$ (915)	$ (771)
Other, Percentage	(0.50%)	(0.80%)	(0.80%)
Income tax expense	$ 37,675	$ 37,458	$ 36,229
Income tax expense, Percentage	32.50%	32.50%	34.30%

Income Taxes (Deferred Income T

Income Taxes (Deferred Income Tax Expense Results From Temporary Differences In Recognition Of Revenue And Expenses For Tax) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2013
Income Tax Disclosure [Abstract]
FHLB stock dividends	$ 4,083	$ (832)	$ 866
Capitol Federal Foundation contribution	418	3,768	3,216
Low income housing partnerships	(763)	(50)	(160)
Premises and equipment	(129)	(388)	1,365
ACL	(75)	(37)	982
Other, net	(333)	(355)	(573)
Deferred income tax expense	$ 3,201	$ 2,106	$ 5,696

Income Taxes (Components Of Net

Income Taxes (Components Of Net Deferred Income Tax (Liabilities) Assets) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Sep. 30, 2014
Deferred income tax assets:
Salaries and employee benefits	$ 2,194	$ 2,202
Low income housing partnerships	1,445	682
ESOP compensation	1,393	1,205
ACL	1,376	1,301
Capitol Federal Foundation contribution	0	418
Other	3,652	3,570
Gross deferred income tax assets	10,060	9,378
Valuation allowance	(1,807)	(1,810)
Gross deferred income tax asset, net of valuation allowance	8,253	7,568
Deferred income tax liabilities:
FHLB stock dividends	24,595	20,512
Unrealized gain on AFS securities	5,089	4,246
Premises and equipment	4,498	4,627
Other	462	550
Gross deferred income tax liabilities	34,644	29,935
Net deferred tax liabilities	$ 26,391	$ 22,367

ESOP (Narrative) (Details)

ESOP (Narrative) (Details) $ in Thousands	12 Months Ended
	Sep. 30, 2015USD ($)shares	Sep. 30, 2014USD ($)	Sep. 30, 2013USD ($)	Sep. 30, 2016shares
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
Shares Held In Employee Stock Ownership Plan, Allocated	165,198
Compensation expense related to the ESOP including dividends | $	$ 3,000	$ 3,800	$ 9,700
Portion of compensation expense related to the ESOP attributable to changes in Company stock price | $	384	362	3,700
Dividends on unallocated ESOP shares in excess of debt service payments | $	$ 952	$ 1,700	$ 3,000
Forecast [Member]
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
Shares Held In Employee Stock Ownership Plan, Committed-to-be-Released				165,198
Minimum [Member]
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
Percentage of ESOP shares participant may diversify once age requirement is met	25.00%
Required age of participant in order to diversify ESOP shares, years	50
IPO [Member]
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
Number of shares acquired by ESOP trust	3,024,574
Number of shares acquired by ESOP post corporate reorganization	6,846,728
ESOP loan maturity date	Sep. 30, 2013
Corporate Reorganization [Member]
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]
Number of shares acquired by ESOP trust	4,726,000
ESOP loan maturity date	Sep. 30, 2040

ESOP (Summary Of Shares Held In

ESOP (Summary Of Shares Held In The ESOP Trust) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Sep. 30, 2014
Employee Stock Ownership Plan (ESOP), Shares in ESOP [Abstract]
Allocated ESOP shares	4,490,885	4,923,349
Unreleased ESOP shares	4,129,950	4,295,148
Total ESOP shares	8,620,835	9,218,497
Fair value of unreleased ESOP shares	$ 50,055	$ 50,769

Stock-Based Compensation (Narra

Stock-Based Compensation (Narrative) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2013
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options outstanding at end of year, number of options	2,338,017
Options outstanding at end of year, weighted average exercise price	$ 12.97
Options outstanding at end of year, weighted average remaining contractual life (in years)	6 years 10 months 7 days
Options exercisable at end of year, number of options	1,814,617
Options exercisable at end of year, weighted average exercise price	$ 13.26
Options exercisable at end of year, weighted average remaining contractual life (in years)	6 years 5 months 24 days
Unvested restricted stock at end of year, number of shares	166,548
Unvested restricted stock at end of year, weighted average grant date fair value	$ 11.99
Stock Option Plans [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense	$ 618	$ 633	$ 792
Fair value of stock options vested during the period	615	646	689
Unrecognized total future compensation cost, net of forfeitures	$ 430
Unrecognized total future compensation cost weighted average recognition period	1 year 8 months 12 days
Stock Option Plans [Member] | 2000 Stock Option Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options outstanding at end of year, number of options	737,417
Stock Option Plans [Member] | 2012 Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares of common stock reserved for future issuance	5,907,500
Number of shares available for future grants	4,244,900
Stock Option Plans [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period of options	3 years
Stock Option Plans [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period of options	5 years
Restricted Stock Plans [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense	$ 1,500	1,500	1,800
Unrecognized total future compensation cost	1,000
Fair value of restricted stock vested during the period	$ 1,500	$ 1,500	$ 1,500
Unrecognized total future compensation cost weighted average recognition period	1 year 8 months 9 days
Restricted Stock Plans [Member] | 2012 Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares of common stock reserved for future issuance	2,363,000
Number of shares available for future grants	1,815,150
Restricted Stock Plans [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period of restricted stock	3 years
Restricted Stock Plans [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting period of restricted stock	5 years
Incentive Stock Options [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Contractual term of stock options	10 years
Nonqualified Stock Options [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Contractual term of stock options	15 years

Commitments And Contingencies71

Commitments And Contingencies (Narrative) (Details) - USD ($) $ in Millions	Sep. 30, 2015	Sep. 30, 2014
Commitments and Contingencies Disclosure [Abstract]
Unadvanced home equity lines of credit	$ 259.7	$ 260.4
Agreements outstanding in connection with the remodeling of Kansas City market area operations center	$ 6.8

Commitments And Contingencies72

Commitments And Contingencies (Commitments Outstanding To Originate, Purchase, Or Participate In Loans) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Commitments and Contingencies Disclosure [Abstract]
Originate fixed-rate	$ 54,555	$ 48,475
Originate adjustable-rate	16,164	15,937
Purchase/participate fixed-rate	128,334	54,752
Purchase/participate adjustable-rate	13,785	18,477
Commitments outstanding to originate, purchase, or participate in loans	$ 212,838	$ 137,641

Regulatory Capital Requiremen73

Regulatory Capital Requirements Regulatory Capital Requirements (Narrative) (Details) $ in Millions	Sep. 30, 2015USD ($)
Regulatory Capital Requirements [Abstract]
Liquidation account balance	$ 209.9

Regulatory Capital Requiremen74

Regulatory Capital Requirements (Summary Of Capital And Total Risk-Based Capital Ratios) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Sep. 30, 2014
Capitol Federal Financial Inc [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier 1 leverage ratio, Actual Amount	$ 1,407,852
Tier 1 leverage ratio, Actual Ratio	12.60%
Tier 1 leverage ratio, For Capital Adequacy Purposes, Amount	$ 448,003
Tier 1 leverage ratio, For Capital Adequacy Purposes, Ratio	4.00%
CET1 capital ratio, Actual Amount	$ 1,407,852
CET1 capital ratio, Actual Ratio	33.40%
CET1 capital ratio, For Capital Adequacy Purposes, Amount	$ 189,946
CET1 capital ratio, For Capital Adequacy Purposes, Ratio	4.50%
Tier 1 capital ratio, Actual Amount	$ 1,407,852
Tier 1 capital ratio, Actual Ratio	33.40%
Tier 1 capital ratio, For Capital Adequacy Purposes, Amount	$ 253,262
Tier 1 capital ratio, For Capital Adequacy Purposes, Ratio	6.00%
Total capital ratio, Actual Amount	$ 1,417,295
Total capital ratio, Actual Ratio	33.60%
Total capital ratio, For Capital Adequacy Purposes, Amount	$ 337,683
Total capital ratio, For Capital Adequacy Purposes, Ratio	8.00%
Capitol Federal Savings Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier 1 leverage ratio, Actual Amount	$ 1,266,054	$ 1,299,365
Tier 1 leverage ratio, Actual Ratio	11.30%	13.20%
Tier 1 leverage ratio, For Capital Adequacy Purposes, Amount	$ 447,986	$ 394,945
Tier 1 leverage ratio, For Capital Adequacy Purposes, Ratio	4.00%	4.00%
Tier 1 leverage ratio, To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 559,982	$ 493,682
Tier 1 leverage ratio, To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	5.00%	5.00%
CET1 capital ratio, Actual Amount	$ 1,266,054
CET1 capital ratio, Actual Ratio	30.00%
CET1 capital ratio, For Capital Adequacy Purposes, Amount	$ 189,663
CET1 capital ratio, For Capital Adequacy Purposes, Ratio	4.50%
CET1 capital ratio, To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 273,958
CET1 capital ratio, To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	6.50%
Tier 1 capital ratio, Actual Amount	$ 1,266,054	$ 1,299,365
Tier 1 capital ratio, Actual Ratio	30.00%	33.00%
Tier 1 capital ratio, For Capital Adequacy Purposes, Amount	$ 252,885	$ 157,674
Tier 1 capital ratio, For Capital Adequacy Purposes, Ratio	6.00%	4.00%
Tier 1 capital ratio, To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 337,179	$ 236,511
Tier 1 capital ratio, To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	8.00%	6.00%
Total capital ratio, Actual Amount	$ 1,275,497	$ 1,308,592
Total capital ratio, Actual Ratio	30.30%	33.20%
Total capital ratio, For Capital Adequacy Purposes, Amount	$ 337,179	$ 315,348
Total capital ratio, For Capital Adequacy Purposes, Ratio	8.00%	8.00%
Total capital ratio, To Be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 421,474	$ 394,185
Total capital ratio, To Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	10.00%	10.00%

Fair Value Of Financial Instr75

Fair Value Of Financial Instruments (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2013
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Proceeds from principal repayments	$ 234,794	$ 349,210	$ 717,545
Loans individually evaluated for impairment	22,762	26,828
ACL maintained for individually evaluated impaired loans	0	0
OREO	$ 4,333	4,094
Loans Receivable [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Estimated selling costs	10.00%
Other Real Estate Owned [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Estimated selling costs	10.00%
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans individually evaluated for impairment	$ 0	0
OREO	0	0
Estimated fair value of deposits	2,200,000	2,120,000
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans individually evaluated for impairment	0	0
OREO	0	0
Estimated fair value of deposits	2,670,000	2,550,000
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Proceeds from principal repayments	400	150
Increases/reductions in net unrealized losses included in OCI	(45)	(16)
Loans individually evaluated for impairment	22,762	26,828
OREO	$ 4,333	$ 4,094

Fair Value Of Financial Instr76

Fair Value Of Financial Instruments (Schedule Of Fair Value Assets Measured On A Recurring Basis) (Details) - USD ($) $ in Thousands	Sep. 30, 2015		Sep. 30, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
AFS securities	$ 758,171		$ 840,790
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
AFS securities	0		0
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
AFS securities	756,255		838,494
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
AFS securities	1,916	[1]	2,296	[2]
GSE Debentures [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
AFS securities	526,620		549,755
GSE Debentures [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
AFS securities	0		0
GSE Debentures [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
AFS securities	526,620		549,755
GSE Debentures [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
AFS securities	0	[1]	0	[2]
MBS [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
AFS securities	229,491		287,606
MBS [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
AFS securities	0		0
MBS [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
AFS securities	229,491		287,606
MBS [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
AFS securities	0	[1]	0	[2]
Municipal Bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
AFS securities	144		1,133
Municipal Bonds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
AFS securities	0		0
Municipal Bonds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
AFS securities	144		1,133
Municipal Bonds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
AFS securities	0	[1]	0	[2]
Trust Preferred Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
AFS securities	1,916		2,296
Trust Preferred Securities [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
AFS securities	0		0
Trust Preferred Securities [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
AFS securities	0		0
Trust Preferred Securities [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
AFS securities	$ 1,916	[1]	$ 2,296	[2]
[1]	The Company's Level 3 AFS securities had no activity during the year ended September 30, 2015, except for principal repayments of $400 thousand and increases in net unrealized losses recognized in other comprehensive income. Increases in net unrealized losses included in other comprehensive income for the year ended September 30, 2015 were $45 thousand.
[2]	The Company's Level 3 AFS securities had no activity during the year ended September 30, 2014, except for principal repayments of $150 thousand and reductions in net unrealized losses recognized in other comprehensive income. Reductions in net unrealized losses included in other comprehensive income for the year ended September 30, 2014 were $16 thousand.

Fair Value Of Financial Instr77

Fair Value Of Financial Instruments (Schedule Of Fair Value Assets Measured On A Nonrecurring Basis) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Sep. 30, 2014
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans individually evaluated for impairment	$ 22,762	$ 26,828
OREO	4,333	4,094
Total assets measured at fair value on a non-recurring basis, carrying value	27,095	30,922
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans individually evaluated for impairment	0	0
OREO	0	0
Total assets measured at fair value on a non-recurring basis, carrying value	0	0
Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans individually evaluated for impairment	0	0
OREO	0	0
Total assets measured at fair value on a non-recurring basis, carrying value	0	0
Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans individually evaluated for impairment	22,762	26,828
OREO	4,333	4,094
Total assets measured at fair value on a non-recurring basis, carrying value	$ 27,095	$ 30,922

Fair Value Of Financial Instr78

Fair Value Of Financial Instruments (Schedule Of Carrying Amounts And Estimated Fair Values Of Financial Instruments) (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Sep. 30, 2014
Assets:
AFS securities	$ 758,171	$ 840,790
HTM securities	1,295,274	1,571,524
Carrying Amount [Member]
Assets:
Cash and cash equivalents	772,632	810,840
AFS securities	758,171	840,790
HTM securities	1,271,122	1,552,699
Loans receivable	6,625,027	6,233,170
FHLB stock	150,543	213,054
Liabilities:
Deposits	4,832,520	4,655,272
FHLB borrowings	3,270,521	3,369,677
Repurchase agreements	200,000	220,000
Estimated Fair Value [Member]
Assets:
Cash and cash equivalents	772,632	810,840
AFS securities	758,171	840,790
HTM securities	1,295,274	1,571,524
Loans receivable	6,870,176	6,429,840
FHLB stock	150,543	213,054
Liabilities:
Deposits	4,869,312	4,674,268
FHLB borrowings	3,339,650	3,423,547
Repurchase agreements	$ 209,807	$ 227,539

Selected Quarterly Financial 79

Selected Quarterly Financial Data (Summary Of Quarterly Data) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2013
Selected Quarterly Financial Information [Abstract]
Total interest and dividend income	$ 74,411	$ 74,174	$ 73,877	$ 74,900	$ 74,234	$ 71,921	$ 71,857	$ 72,234	$ 297,362	$ 290,246	$ 298,554
Net interest and dividend income	47,940	47,013	46,779	48,036	47,973	46,198	45,727	44,245	189,768	184,143	178,160
Provision for credit losses	0	323	275	173	427	307	160	515	771	1,409	(1,067)
Net income	$ 18,785	$ 19,602	$ 19,234	$ 20,472	$ 20,210	$ 19,983	$ 19,688	$ 17,813	$ 78,093	$ 77,694	$ 69,340
Basic EPS	$ 0.14	$ 0.14	$ 0.14	$ 0.15	$ 0.15	$ 0.14	$ 0.14	$ 0.12	$ 0.58	$ 0.56	$ 0.48
Diluted EPS	0.14	0.14	0.14	0.15	0.15	0.14	0.14	0.12	0.58	0.56	0.48
Dividends declared per share	$ 0.085	$ 0.335	$ 0.085	$ 0.335	$ 0.075	$ 0.325	$ 0.075	$ 0.505	$ 0.84	$ 0.98	$ 1
Average number of basic shares outstanding	133,515,000	135,746,000	136,208,000	136,088,000	137,047,000	138,332,000	139,489,000	142,882,000	135,383,693	139,440,073	144,847,156
Average number of diluted shares outstanding	133,533,000	135,763,000	136,246,000	136,116,000	137,051,000	138,334,000	139,489,000	142,883,000	135,408,503	139,441,964	144,848,009

Parent Company Financial Info80

Parent Company Financial Information (Parent Company Only) (Schedule Of Balance Sheets) (Details) - USD ($) $ / shares in Units, $ in Thousands	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2013	Sep. 30, 2012
ASSETS:
Cash and cash equivalents	$ 772,632	$ 810,840	$ 113,886	$ 141,705
Other assets	189,785	143,945
Income tax receivable	1,071	0
TOTAL ASSETS	9,844,161	9,865,028
LIABILITIES:
Accounts payable and accrued expenses	36,685	46,357
Deferred income tax liabilities, net	26,391	22,367
Total liabilities	8,427,935	8,372,146
STOCKHOLDERS' EQUITY:
Preferred stock, $.01 par value; 100,000,000 shares authorized; no shares issued or outstanding	0	0
Common stock, $.01 par value; 1,400,000,000 shares authorized; 137,106,822 and 140,951,203 shares issued and outstanding as of September 30, 2015 and 2014, respectively	1,371	1,410
Additional paid-in capital	1,151,041	1,180,732
Unearned compensation - ESOP	(41,299)	(42,951)
Retained earnings	296,739	346,705
AOCI, net of tax	8,374	6,986
Total stockholders' equity	1,416,226	1,492,882	1,632,126	1,806,458
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 9,844,161	$ 9,865,028
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, shares authorized	100,000,000	100,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	1,400,000,000	1,400,000,000
Common stock, shares issued	137,106,822	140,951,203
Common stock, shares outstanding	137,106,822	140,951,203
Capitol Federal Financial Inc [Member]
ASSETS:
Cash and cash equivalents	$ 96,171	$ 139,540	$ 207,012	$ 308,648
Investment in the Bank	1,274,429	1,306,351
Note receivable - ESOP	44,984	46,140
Other assets	420	484
Income tax receivable	318	3,618
Deferred income tax assets	0	393
TOTAL ASSETS	1,416,322	1,496,526
LIABILITIES:
Accounts payable and accrued expenses	60	3,644
Deferred income tax liabilities, net	36	0
Total liabilities	96	3,644
STOCKHOLDERS' EQUITY:
Preferred stock, $.01 par value; 100,000,000 shares authorized; no shares issued or outstanding	0	0
Common stock, $.01 par value; 1,400,000,000 shares authorized; 137,106,822 and 140,951,203 shares issued and outstanding as of September 30, 2015 and 2014, respectively	1,371	1,410
Additional paid-in capital	1,151,041	1,180,732
Unearned compensation - ESOP	(41,299)	(42,951)
Retained earnings	296,739	346,705
AOCI, net of tax	8,374	6,986
Total stockholders' equity	1,416,226	1,492,882
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,416,322	$ 1,496,526
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, shares authorized	100,000,000	100,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	1,400,000,000	1,400,000,000
Common stock, shares issued	137,106,822	140,951,203
Common stock, shares outstanding	137,106,822	140,951,203

Parent Company Financial Info81

Parent Company Financial Information (Parent Company Only) (Schedule Of Statements Of Income) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2013
INTEREST AND DIVIDEND INCOME:
Interest income from securities									$ 7,182	$ 7,385	$ 10,012
Total interest and dividend income	$ 74,411	$ 74,174	$ 73,877	$ 74,900	$ 74,234	$ 71,921	$ 71,857	$ 72,234	297,362	290,246	298,554
INTEREST EXPENSE									107,594	106,103	120,394
NET INTEREST AND DIVIDEND INCOME	47,940	47,013	46,779	48,036	47,973	46,198	45,727	44,245	189,768	184,143	178,160
NON-INTEREST INCOME									2,044	3,299	3,295
NON-INTEREST EXPENSE:
Salaries and employee benefits									43,309	43,757	49,152
Regulatory and outside services									5,347	5,572	5,874
Other non-interest expense									5,378	5,035	6,198
Total non-interest expense									94,369	90,537	96,947
INCOME BEFORE INCOME TAX EXPENSE AND EQUITY IN EXCESS OF DISTRIBUTION OVER EARNINGS OF SUBSIDIARY									115,768	115,152	105,569
INCOME TAX EXPENSE									37,675	37,458	36,229
NET INCOME	$ 18,785	$ 19,602	$ 19,234	$ 20,472	$ 20,210	$ 19,983	$ 19,688	$ 17,813	78,093	77,694	69,340
Capitol Federal Financial Inc [Member]
INTEREST AND DIVIDEND INCOME:
Dividend income from the Bank									115,359	145,276	70,512
Interest income from other investments									1,835	2,004	2,328
Interest income from securities									0	0	62
Total interest and dividend income									117,194	147,280	72,902
NON-INTEREST EXPENSE:
Salaries and employee benefits									835	774	857
Regulatory and outside services									243	248	473
Other non-interest expense									517	606	648
Total non-interest expense									1,595	1,628	1,978
INCOME BEFORE INCOME TAX EXPENSE AND EQUITY IN EXCESS OF DISTRIBUTION OVER EARNINGS OF SUBSIDIARY									115,599	145,652	70,924
INCOME TAX EXPENSE									84	132	144
INCOME BEFORE EQUITY IN EXCESS OF DISTRIBUTION OVER EARNINGS OF SUBSIDIARY									115,515	145,520	70,780
EQUITY IN EXCESS OF DISTRIBUTION OVER EARNINGS OF SUBSIDIARY									(37,422)	(67,826)	(1,440)
NET INCOME									$ 78,093	$ 77,694	$ 69,340

Parent Company Financial Info82

Parent Company Financial Information (Parent Company Only) (Schedule Of Statements Of Cash Flows) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2013
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 18,785	$ 19,602	$ 19,234	$ 20,472	$ 20,210	$ 19,983	$ 19,688	$ 17,813	$ 78,093	$ 77,694	$ 69,340
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation of equipment									6,844	6,316	5,447
Amortization/accretion of premiums/discounts									5,649	6,053	8,445
Provision for deferred income taxes									3,201	2,106	5,696
Changes in:
Other assets									3,878	1,606	(936)
Income taxes receivable/payable									(1,374)	382	(644)
Accounts payable and accrued expenses									(6,215)	(8,184)	(9,403)
CASH FLOWS FROM FINANCING ACTIVITIES:
Dividends paid									(114,162)	(138,172)	(146,824)
Repurchase of common stock									(50,034)	(79,633)	(91,573)
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS									(38,208)	696,954	(27,819)
CASH AND CASH EQUIVALENTS:
Beginning of year				810,840				113,886	810,840	113,886	141,705
End of year	772,632				810,840				772,632	810,840	113,886
Capitol Federal Financial Inc [Member]
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income									78,093	77,694	69,340
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in excess of distribution over earnings of subsidiary									37,422	67,826	1,440
Depreciation of equipment									30	2	0
Amortization/accretion of premiums/discounts									0	0	74
Other, net									0	0	263
Provision for deferred income taxes									428	3,768	3,216
Changes in:
Other assets									35	166	(198)
Income taxes receivable/payable									3,300	(562)	(220)
Accounts payable and accrued expenses									1	(12)	(27)
Net cash flows provided by operating activities									119,309	148,882	73,888
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from maturities of AFS securities									0	0	60,000
Principal collected on notes receivable from ESOP									1,156	1,120	2,827
Purchases of equipment									0	(370)	0
Net cash flows provided by investing activities									1,156	750	62,827
CASH FLOWS FROM FINANCING ACTIVITIES:
Net payment from subsidiary related to restricted stock awards									95	243	34
Dividends paid									(114,162)	(138,172)	(146,824)
Repurchase of common stock									(50,034)	(79,633)	(91,573)
Stock options exercised									267	458	12
Net cash flows used in financing activities									(163,834)	(217,104)	(238,351)
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS									(43,369)	(67,472)	(101,636)
CASH AND CASH EQUIVALENTS:
Beginning of year				$ 139,540				$ 207,012	139,540	207,012	308,648
End of year	$ 96,171				$ 139,540				$ 96,171	$ 139,540	$ 207,012