Document_and_Entity_Informatio
Document and Entity Information | 6 Months Ended | |
Mar. 31, 2014 | Apr. 30, 2014 | |
Document and Entity Information [Abstract] | ' | ' |
Document Type | '10-Q | ' |
Amendment Flag | 'false | ' |
Document Period End Date | 31-Mar-14 | ' |
Document Fiscal Year Focus | '2014 | ' |
Document Fiscal Period Focus | 'Q2 | ' |
Entity Registrant Name | 'WASHINGTON FEDERAL INC | ' |
Entity Central Index Key | '0000936528 | ' |
Current Fiscal Year End Date | '--09-30 | ' |
Entity Filer Category | 'Large Accelerated Filer | ' |
Entity Common Stock, Shares Outstanding | ' | 101,329,755 |
CONSOLIDATED_STATEMENTS_OF_FIN
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (UNAUDITED) (USD $) | Mar. 31, 2014 | Sep. 30, 2013 |
In Thousands, unless otherwise specified | ||
ASSETS | ' | ' |
Cash and cash equivalents | $608,236 | $203,563 |
Available-for-sale securities, at fair value | 3,110,575 | 2,360,948 |
Held-to-maturity securities, at amortized cost | 1,611,303 | 1,654,666 |
Loans receivable, net | 7,737,109 | 7,528,030 |
Covered loans, net | 229,605 | 295,947 |
Interest receivable | 51,284 | 49,218 |
Premises and equipment, net | 228,663 | 206,172 |
Real estate held for sale | 60,995 | 72,925 |
Real estate held for investment | 13,596 | 9,392 |
Covered real estate held for sale | 23,005 | 30,980 |
FDIC indemnification asset | 53,289 | 64,615 |
FHLB & FRB stock | 167,174 | 173,009 |
Intangible assets, net | 300,215 | 264,318 |
Federal and state income tax assets, net | 36,568 | 44,000 |
Other assets | 132,982 | 125,076 |
Assets | 14,364,599 | 13,082,859 |
Customer accounts | ' | ' |
Transaction deposit accounts | 4,874,321 | 3,540,842 |
Time deposit accounts | 5,470,570 | 5,549,429 |
Savings and Demand Accounts and Repurchase Agreements with Customers | 10,344,891 | 9,090,271 |
FHLB advances | 1,930,000 | 1,930,000 |
Advance payments by borrowers for taxes and insurance | 17,251 | 42,443 |
Accrued expenses and other liabilities | 91,774 | 82,510 |
Liabilities | 12,383,916 | 11,145,224 |
Stockholders’ equity | ' | ' |
Common stock, $1.00 par value, 300,000,000 shares authorized; 133,299,419 and 132,572,475 shares issued; 101,763,415 and 102,484,671 shares outstanding | 133,300 | 132,573 |
Paid-in capital | 1,636,515 | 1,625,051 |
Accumulated other comprehensive income, net of taxes | 10,490 | 6,378 |
Treasury stock, at cost; 31,536,004 and 30,087,804 shares | -452,593 | -420,817 |
Retained earnings | 652,971 | 594,450 |
Stockholders' Equity Attributable to Parent | 1,980,683 | 1,937,635 |
Liabilities and Equity | $14,364,599 | $13,082,859 |
CONSOLIDATED_STATEMENTS_OF_FIN1
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (UNAUDITED) (Parentheticals) (USD $) | Mar. 31, 2014 | Sep. 30, 2013 |
Common stock, par value (in dollars per share) | $1 | $1 |
Common stock, shares authorized (in shares) | 300,000,000 | 300,000,000 |
Common stock, shares issued (in shares) | 133,299,419 | 132,572,475 |
Common stock, shares outstanding (in shares) | 101,763,415 | 102,484,415 |
Treasury stock, shares (in shares) | 31,536,004 | 30,087,804 |
CONSOLIDATED_STATEMENTS_OF_OPE
CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED) (USD $) | 3 Months Ended | 6 Months Ended | ||
In Thousands, except Share data, unless otherwise specified | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 |
INTEREST INCOME | ' | ' | ' | ' |
Loans | $106,334 | $112,879 | $213,561 | $229,722 |
Mortgage-backed securities | 20,968 | 10,642 | 40,360 | 22,374 |
Investment securities and cash equivalents | 5,049 | 2,984 | 9,688 | 5,717 |
Investment Income, Interest and Dividend | 132,351 | 126,505 | 263,609 | 257,813 |
INTEREST EXPENSE | ' | ' | ' | ' |
Customer accounts | 14,780 | 16,695 | 30,279 | 35,466 |
FHLB advances and other borrowings | 16,935 | 16,787 | 34,383 | 33,890 |
Interest Expense | 31,715 | 33,482 | 64,662 | 69,356 |
Net interest income | 100,636 | 93,023 | 198,947 | 188,457 |
Provision for (reversal of) loan losses | -4,336 | 0 | -8,936 | 3,600 |
Net interest income after provision for (reversal of) loan losses | 104,972 | 93,023 | 207,883 | 184,857 |
OTHER INCOME | 6,702 | 6,046 | 12,490 | 11,003 |
OTHER EXPENSE | ' | ' | ' | ' |
Compensation and benefits | 27,836 | 23,077 | 52,962 | 44,149 |
Occupancy | 5,990 | 4,825 | 11,607 | 9,272 |
FDIC insurance premiums | 2,767 | 3,107 | 5,701 | 6,450 |
Information technology | 3,931 | 2,852 | 6,860 | 5,290 |
Amortization of intangible assets | 728 | 371 | 1,549 | 726 |
Other | 10,807 | 6,932 | 17,500 | 13,575 |
Noninterest Expense | 52,059 | 41,164 | 96,179 | 79,462 |
Gain (loss) on real estate acquired through foreclosure, net | 553 | -4,003 | -1,398 | -7,322 |
Income before income taxes | 60,168 | 53,902 | 122,796 | 109,076 |
Income tax provision | 21,511 | 17,924 | 43,903 | 37,816 |
NET INCOME | $38,657 | $35,978 | $78,893 | $71,260 |
PER SHARE DATA | ' | ' | ' | ' |
Basic earnings (in dollars per share) | $0.38 | $0.34 | $0.77 | $0.67 |
Diluted earnings (in dollars per share) | $0.38 | $0.34 | $0.77 | $0.67 |
Basic weighted average number of shares outstanding (in shares) | 102,013,857 | 105,206,491 | 102,173,829 | 105,606,688 |
Diluted weighted average number of shares outstanding, including dilutive stock options (in shares) | 102,488,844 | 105,258,240 | 102,652,984 | 105,655,770 |
CONSOLIDATED_STATEMENTS_OF_COM
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) (USD $) | 3 Months Ended | 6 Months Ended | ||
In Thousands, unless otherwise specified | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 |
Statement of Comprehensive Income [Abstract] | ' | ' | ' | ' |
Net income | $38,657 | $35,978 | $78,893 | $71,260 |
Other comprehensive income (loss) net of tax: | ' | ' | ' | ' |
Net unrealized gain (loss) on available-for-sale securities | 16,277 | 408 | 6,501 | -2,228 |
Related tax benefit (expense) | -5,982 | -150 | -2,389 | 819 |
Other comprehensive income (loss) | 10,295 | 258 | 4,112 | -1,409 |
Comprehensive income | $48,952 | $36,236 | $83,005 | $69,851 |
CONSOLIDATED_STATEMENTS_OF_STO
CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (UNAUDITED) (USD $) | Total | Common Stock | Paid-in Capital | Retained Earnings | Accumulated Other Comprehensive Income | Treasury Stock |
In Thousands, unless otherwise specified | ||||||
Balance, Beginning of period at Sep. 30, 2012 | $1,899,752 | $129,950 | $1,586,295 | $480,780 | $13,306 | ($310,579) |
Increase (Decrease) in Stockholders' Equity [Roll Forward] | ' | ' | ' | ' | ' | ' |
Net income | 71,260 | ' | ' | 71,260 | ' | ' |
Other comprehensive income adjustment | -1,409 | ' | ' | ' | -1,409 | ' |
Dividends paid on common stock | -18,090 | ' | ' | -18,090 | ' | ' |
Compensation expense related to common stock options | 600 | ' | 600 | ' | ' | ' |
Proceeds from exercise of common stock options | 152 | 13 | 139 | ' | ' | ' |
Proceeds from issuance of common stock | 33,492 | 1,996 | 31,496 | ' | ' | ' |
Restricted stock | 1,817 | 20 | 1,797 | ' | ' | ' |
Treasury stock acquired | -53,224 | ' | ' | ' | ' | -53,224 |
Balance, End of period at Mar. 31, 2013 | 1,934,350 | 131,979 | 1,620,327 | 533,950 | 11,897 | -363,803 |
Balance, Beginning of period at Sep. 30, 2013 | 1,937,635 | 132,573 | 1,625,051 | 594,450 | 6,378 | -420,817 |
Increase (Decrease) in Stockholders' Equity [Roll Forward] | ' | ' | ' | ' | ' | ' |
Net income | 78,893 | ' | ' | 78,893 | ' | ' |
Other comprehensive income adjustment | 4,112 | ' | ' | ' | 4,112 | ' |
Dividends paid on common stock | -20,372 | ' | ' | -20,372 | ' | ' |
Compensation expense related to common stock options | 600 | ' | 600 | ' | ' | ' |
Proceeds from exercise of common stock options | 9,911 | 727 | 9,184 | ' | ' | ' |
Restricted stock | 1,680 | ' | 1,680 | ' | ' | ' |
Treasury stock acquired | -31,776 | ' | ' | ' | ' | -31,776 |
Balance, End of period at Mar. 31, 2014 | $1,980,683 | $133,300 | $1,636,515 | $652,971 | $10,490 | ($452,593) |
CONSOLIDATED_STATEMENTS_OF_CAS
CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) (USD $) | 3 Months Ended | 6 Months Ended | |
In Thousands, unless otherwise specified | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 |
CASH FLOWS FROM OPERATING ACTIVITIES | ' | ' | ' |
Net income | $35,978 | $78,893 | $71,260 |
Adjustments to reconcile net income to net cash provided by operating activities: | ' | ' | ' |
Depreciation and amortization | ' | 5,993 | 7,088 |
Cash received from FDIC under loss share | ' | 1,629 | 11,668 |
Stock option compensation expense | ' | 600 | 600 |
Provision for (reversal of) loan losses | 0 | -8,936 | 3,600 |
(Gain) loss on investment securities and real estate held for sale, net | ' | -1,042 | 3,028 |
(Increase) decrease in accrued interest receivable | ' | -2,066 | 3,440 |
(Increase) in FDIC loss share receivable | ' | 1,896 | 777 |
Increase (decrease) in income taxes payable | ' | 5,043 | -13,937 |
FHLB and FRB stock dividends | ' | -7,753 | 35,712 |
(Increase) decrease in other assets | ' | 6,113 | -8,770 |
Net cash provided by operating activities | ' | 76,578 | 112,912 |
CASH FLOWS FROM INVESTING ACTIVITIES | ' | ' | ' |
Net (loan originations) principal collections | ' | -127,918 | 381,932 |
FHLB & FRB stock redemption | ' | 5,682 | 1,382 |
Available-for-sale securities purchased | ' | -930,476 | -356,966 |
Principal payments and maturities of available-for-sale securities | ' | 185,050 | 100,906 |
Available-for-sale securities sold | ' | 0 | 43,199 |
Held-to-maturity securities purchased | ' | 0 | -407,135 |
Principal payments and maturities of held-to-maturity securities | ' | 42,253 | 132,755 |
Net cash received from acquisitions | ' | 1,254,517 | 202,308 |
Proceeds from real estate owned and held for investment | ' | 45,705 | 67,418 |
Decrease (increase) in intangible assets | 0 | 0 | ' |
Premises and equipment purchased, net | ' | -19,659 | -18,048 |
Net cash provided by investing activities | ' | 455,154 | 147,751 |
CASH FLOWS FROM FINANCING ACTIVITIES | ' | ' | ' |
Net increase (decrease) in customer accounts | ' | -59,630 | -161,712 |
Net proceeds from borrowings | ' | 0 | 27,529 |
Proceeds from exercise of common stock options and related tax benefit | ' | 9,911 | 152 |
Dividends paid on common stock | ' | -20,372 | -18,930 |
Treasury stock purchased | ' | -31,776 | -53,224 |
Proceeds from Employee Stock Ownership Plan | ' | -25,192 | -23,849 |
Proceeds from issuance of preferred stock and related warrants | ' | -127,059 | -230,034 |
Increase (decrease) in advance payments by borrowers for taxes and insurance | ' | 404,673 | 30,629 |
Cash and cash equivalents at beginning of period | ' | 203,563 | 751,430 |
Cash and cash equivalents at end of period | 782,059 | 608,236 | 782,059 |
Non-cash investing activities | ' | ' | ' |
Non-covered real estate acquired through foreclosure | 52,760 | 20,898 | ' |
Covered real estate acquired through foreclosure | 5,954 | 836 | ' |
Cash paid during the period for | ' | ' | ' |
Interest | 71,092 | 65,499 | ' |
Income taxes | 32,465 | 37,572 | ' |
The following summarizes the non-cash activities related to acquisitions | ' | ' | ' |
Fair value of assets acquired | 819,904 | 63,111 | ' |
Fair value of liabilities assumed | -776,009 | -1,317,628 | ' |
Net fair value of assets (liabilities) | $43,895 | ($1,254,517) | ' |
Summary_of_Significant_Account
Summary of Significant Accounting Policies | 6 Months Ended |
Mar. 31, 2014 | |
Accounting Policies [Abstract] | ' |
Summary of Significant Accounting Policies | ' |
Summary of Significant Accounting Policies | |
Washington Federal, Inc. was formed in 1994 as a Washington corporation headquartered in Seattle, Washington. The Company is a bank holding company that conducts its operations through a federally-insured national bank subsidiary. As used throughout this document, the terms "Washington Federal" or the "Company" refer to Washington Federal, Inc. and its consolidated subsidiaries and the term "Bank" refers to the operating subsidiary Washington Federal, National Association. | |
The consolidated unaudited interim financial statements included in this report have been prepared by Washington Federal. The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (“GAAP”) requires management to make estimates and assumptions that affect amounts reported in the financial statements. Actual results could differ from these estimates. In the opinion of management, all adjustments (consisting only of normal recurring accruals) necessary for a fair presentation are reflected in the interim financial statements. The September 30, 2013 Consolidated Statement of Financial Condition was derived from audited financial statements. | |
The information included in this Form 10-Q should be read in conjunction with Company’s 2013 Annual Report on Form 10-K (“2013 Form 10-K”) as filed with the SEC. Interim results are not necessarily indicative of results for a full year. | |
The significant accounting policies used in preparation of the Company's consolidated financial statements are disclosed in its 2013 Form 10-K. Other than as discussed below, there have not been any material changes in its significant accounting policies compared to those contained in its 2013 Form 10-K. | |
Off-Balance-Sheet Credit Exposures – The only material off-balance-sheet credit exposures are loans in process and unused lines of credit, which had a combined balance at March 31, 2014, excluding covered loans, of $545 million. The Company estimates losses on off-balance-sheet credit exposures by including the exposures with the related principal balance outstanding and then applying its general reserve methodology. |
Acquisitions
Acquisitions | 6 Months Ended | ||||
Mar. 31, 2014 | |||||
Business Combinations [Abstract] | ' | ||||
Acquisitions | ' | ||||
Acquisitions | |||||
Certain Branches of Bank of America, National Association | |||||
Effective as of the close of business on October 31, 2013, the Bank completed the acquisition of eleven branches from Bank of America, National Association; these branches are located in New Mexico. Effective as of the close of business on December 6, 2013, the Bank completed the acquisition of another forty branches from Bank of America, National Association; these branches are located in Washington, Oregon, and Idaho. The combined acquisitions provided $1.3 billion in deposit accounts, $8 million of loans, and $17 million in branch properties. The Bank paid a 2.60% premium on the total deposits and received $1.3 billion in cash from the transaction. | |||||
The acquisition method of accounting was used to account for the acquisitions. The purchased assets and assumed liabilities are recorded at their respective acquisition date estimated fair values. | |||||
The operating results of the Company include the operating results produced by the first eleven branches for the period from November 1, 2013 to March 31, 2014 and for the additional forty branches from December 7, 2013 to March 31, 2014. | |||||
The table below displays the adjusted fair value as of the acquisition date for each major class of assets acquired and liabilities assumed: | |||||
Adjusted Fair Value Recorded by | |||||
Washington Federal | |||||
(In thousands) | |||||
Assets: | |||||
Cash | $ | 1,254,517 | |||
Loans receivable, net | 8,278 | ||||
Property and equipment, net | 17,388 | ||||
Core deposit intangible | 8,145 | ||||
Goodwill | 29,300 | ||||
Total Assets | 1,317,628 | ||||
Liabilities: | |||||
Customer accounts | 1,314,478 | ||||
Other liabilities | 3,150 | ||||
Total Liabilities | 1,317,628 | ||||
Net assets acquired | $ | — | |||
Dividends
Dividends | 6 Months Ended |
Mar. 31, 2014 | |
Dividends [Abstract] | ' |
Dividends | ' |
Dividends | |
On April 18, 2014, the Company paid its 125th consecutive quarterly cash dividend. Dividends per share were $.10 and $.09 for the quarters ended March 31, 2014 and 2013, respectively. |
Loans_Receivable_excluding_Cov
Loans Receivable (excluding Covered Loans) | 6 Months Ended | ||||||||||||||||||||||||||
Mar. 31, 2014 | |||||||||||||||||||||||||||
Receivables [Abstract] | ' | ||||||||||||||||||||||||||
Loans Receivable (excluding Covered Loans) | ' | ||||||||||||||||||||||||||
Loans Receivable (excluding Covered Loans) | |||||||||||||||||||||||||||
March 31, 2014 | September 30, 2013 | ||||||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Non-acquired loans | |||||||||||||||||||||||||||
Single-family residential | $ | 5,448,587 | 66.5 | % | $ | 5,359,149 | 67.1 | % | |||||||||||||||||||
Construction - speculative | 135,001 | 1.7 | 130,778 | 1.6 | |||||||||||||||||||||||
Construction - custom | 354,279 | 4.3 | 302,722 | 3.8 | |||||||||||||||||||||||
Land - acquisition & development | 74,155 | 0.9 | 77,775 | 1.1 | |||||||||||||||||||||||
Land - consumer lot loans | 113,623 | 1.3 | 121,671 | 1.5 | |||||||||||||||||||||||
Multi-family | 866,097 | 10.6 | 831,684 | 10.4 | |||||||||||||||||||||||
Commercial real estate | 454,246 | 5.6 | 414,961 | 5.1 | |||||||||||||||||||||||
Commercial & industrial | 277,109 | 3.4 | 243,199 | 3 | |||||||||||||||||||||||
HELOC | 112,549 | 1.4 | 112,186 | 1.4 | |||||||||||||||||||||||
Consumer | 41,339 | 0.5 | 47,141 | 0.6 | |||||||||||||||||||||||
Total non-acquired loans | 7,876,985 | 96.2 | 7,641,266 | 95.6 | |||||||||||||||||||||||
Non-impaired acquired loans | |||||||||||||||||||||||||||
Single-family residential | 13,177 | 0.2 | 14,468 | 0.2 | |||||||||||||||||||||||
Construction - speculative | — | — | — | — | |||||||||||||||||||||||
Construction - custom | — | — | — | — | |||||||||||||||||||||||
Land - acquisition & development | 1,135 | — | 1,489 | — | |||||||||||||||||||||||
Land - consumer lot loans | 3,241 | 0.1 | 3,313 | — | |||||||||||||||||||||||
Multi-family | 3,538 | — | 3,914 | 0.1 | |||||||||||||||||||||||
Commercial real estate | 112,089 | 1.3 | 133,423 | 1.7 | |||||||||||||||||||||||
Commercial & industrial | 69,872 | 0.9 | 75,326 | 0.9 | |||||||||||||||||||||||
HELOC | 8,624 | 0.1 | 10,179 | 0.1 | |||||||||||||||||||||||
Consumer | 6,842 | 0.1 | 8,267 | 0.1 | |||||||||||||||||||||||
Total acquired loans | 218,518 | 2.7 | 250,379 | 3.1 | |||||||||||||||||||||||
Credit-impaired acquired loans | |||||||||||||||||||||||||||
Single-family residential | 329 | — | 333 | — | |||||||||||||||||||||||
Construction - speculative | — | — | — | — | |||||||||||||||||||||||
Land - acquisition & development | 1,759 | — | 2,396 | — | |||||||||||||||||||||||
Multi-family | — | — | — | — | |||||||||||||||||||||||
Commercial real estate | 68,122 | 0.9 | 76,909 | 1.1 | |||||||||||||||||||||||
Commercial & industrial | 4,724 | 0.1 | 7,925 | 0.1 | |||||||||||||||||||||||
HELOC | 10,679 | 0.1 | 11,266 | 0.1 | |||||||||||||||||||||||
Consumer | 58 | — | 71 | — | |||||||||||||||||||||||
Total credit-impaired acquired loans | 85,671 | 1.1 | 98,900 | 1.3 | |||||||||||||||||||||||
Total loans | |||||||||||||||||||||||||||
Single-family residential | 5,462,093 | 66.7 | 5,373,950 | 67.3 | |||||||||||||||||||||||
Construction - speculative | 135,001 | 1.7 | 130,778 | 1.6 | |||||||||||||||||||||||
Construction - custom | 354,279 | 4.3 | 302,722 | 3.8 | |||||||||||||||||||||||
Land - acquisition & development | 77,049 | 0.9 | 81,660 | 1.1 | |||||||||||||||||||||||
Land - consumer lot loans | 116,864 | 1.4 | 124,984 | 1.5 | |||||||||||||||||||||||
Multi-family | 869,635 | 10.6 | 835,598 | 10.5 | |||||||||||||||||||||||
Commercial real estate | 634,457 | 7.8 | 625,293 | 7.9 | |||||||||||||||||||||||
Commercial & industrial | 351,705 | 4.4 | 326,450 | 4 | |||||||||||||||||||||||
HELOC | 131,852 | 1.6 | 133,631 | 1.6 | |||||||||||||||||||||||
Consumer | 48,239 | 0.6 | 55,479 | 0.7 | |||||||||||||||||||||||
Total Loans | 8,181,174 | 100 | % | 7,990,545 | 100 | % | |||||||||||||||||||||
Less: | |||||||||||||||||||||||||||
Allowance for probable losses | 114,931 | 116,741 | |||||||||||||||||||||||||
Loans in process | 264,946 | 275,577 | |||||||||||||||||||||||||
Discount on acquired loans | 29,286 | 34,143 | |||||||||||||||||||||||||
Deferred net origination fees | 34,902 | 36,054 | |||||||||||||||||||||||||
444,065 | 462,515 | ||||||||||||||||||||||||||
$ | 7,737,109 | $ | 7,528,030 | ||||||||||||||||||||||||
Changes in the carrying amount and accretable yield for acquired non-impaired and credit-impaired loans (excluding covered loans) for the six months ended March 31, 2014 and the fiscal year ended September 30, 2013 were as follows: | |||||||||||||||||||||||||||
March 31, 2014 | Acquired Impaired | Acquired Non-impaired | |||||||||||||||||||||||||
Accretable | Net Carrying | Accretable | Carrying | ||||||||||||||||||||||||
Yield | Amount of | Yield | Amount of | ||||||||||||||||||||||||
Loans | Loans | ||||||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Balance as of beginning of period | $ | 37,236 | $ | 69,718 | $ | 4,977 | $ | 245,373 | |||||||||||||||||||
Reclassification from nonaccretable balance, net (1) | 7,300 | — | — | — | |||||||||||||||||||||||
Accretion | (5,838 | ) | 5,838 | (606 | ) | 606 | |||||||||||||||||||||
Transfers to REO | — | (1,188 | ) | — | (1,278 | ) | |||||||||||||||||||||
Payments received, net | — | (13,620 | ) | — | (30,565 | ) | |||||||||||||||||||||
Balance as of end of period | $ | 38,698 | $ | 60,748 | $ | 4,371 | $ | 214,136 | |||||||||||||||||||
(1) reclassification due to improvements in expected cash flows of the underlying loans. | |||||||||||||||||||||||||||
September 30, 2013 | Acquired Impaired | Acquired Non-impaired | |||||||||||||||||||||||||
Accretable | Net Carrying | Accretable | Carrying | ||||||||||||||||||||||||
Yield | Amount of | Yield | Amount of | ||||||||||||||||||||||||
Loans | Loans | ||||||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Balance as of beginning of period | $ | 16,928 | $ | 77,613 | $ | — | $ | — | |||||||||||||||||||
Reclassification from nonaccretable balance, net (1) | 30,026 | — | — | — | |||||||||||||||||||||||
Additions (2) | — | 9,865 | 10,804 | 351,335 | |||||||||||||||||||||||
Accretion | (9,718 | ) | 9,718 | (5,827 | ) | 5,827 | |||||||||||||||||||||
Transfers to REO | — | (3,975 | ) | — | (7,755 | ) | |||||||||||||||||||||
Payments received, net | — | (23,503 | ) | — | (104,034 | ) | |||||||||||||||||||||
Balance as of end of period | $ | 37,236 | $ | 69,718 | $ | 4,977 | $ | 245,373 | |||||||||||||||||||
(1) reclassification due to improvements in expected cash flows of the underlying loans. | |||||||||||||||||||||||||||
(2) includes acquired loans which were acquired as part of the South Valley Bank acquisition. | |||||||||||||||||||||||||||
The following table sets forth information regarding non-accrual loans (excluding covered loans) held by the Company as of the dates indicated: | |||||||||||||||||||||||||||
March 31, 2014 | September 30, 2013 | ||||||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Non-accrual loans: | |||||||||||||||||||||||||||
Single-family residential | $ | 81,740 | 81.6 | % | $ | 100,460 | 76.5 | % | |||||||||||||||||||
Construction - speculative | 2,132 | 2.1 | 4,560 | 3.5 | |||||||||||||||||||||||
Construction - custom | 265 | 0.3 | — | — | |||||||||||||||||||||||
Land - acquisition & development | 2,113 | 2.1 | 2,903 | 2.2 | |||||||||||||||||||||||
Land - consumer lot loans | 3,007 | 3 | 3,337 | 2.5 | |||||||||||||||||||||||
Multi-family | 2,199 | 2.2 | 6,573 | 5 | |||||||||||||||||||||||
Commercial real estate | 7,101 | 7.1 | 11,736 | 8.9 | |||||||||||||||||||||||
Commercial & industrial | 579 | 0.6 | 477 | 0.4 | |||||||||||||||||||||||
HELOC | 441 | 0.4 | 263 | 0.2 | |||||||||||||||||||||||
Consumer | 621 | 0.6 | 990 | 0.8 | |||||||||||||||||||||||
Total non-accrual loans | $ | 100,198 | 100 | % | $ | 131,299 | 100 | % | |||||||||||||||||||
The following tables provide an analysis of the age of loans (excluding covered loans) in past due status as of March 31, 2014 and September 30, 2013, respectively. These balances are net of LIP and charge-offs only. | |||||||||||||||||||||||||||
31-Mar-14 | Amount of Loans | Days Delinquent Based on $ Amount of Loans | % based | ||||||||||||||||||||||||
Type of Loan | Net of LIP & Chg.-Offs | Current | 30 | 60 | 90 | Total | on $ | ||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Non-acquired loans | |||||||||||||||||||||||||||
Single-Family Residential | $ | 5,445,950 | $ | 5,343,076 | $ | 27,559 | $ | 11,275 | $ | 64,040 | $ | 102,874 | 1.89 | % | |||||||||||||
Construction - Speculative | 88,954 | 88,124 | 196 | — | 634 | 830 | 0.93 | ||||||||||||||||||||
Construction - Custom | 178,099 | 176,624 | 1,210 | — | 265 | 1,475 | 0.83 | ||||||||||||||||||||
Land - Acquisition & Development | 67,314 | 65,259 | — | — | 2,055 | 2,055 | 3.05 | ||||||||||||||||||||
Land - Consumer Lot Loans | 113,567 | 110,021 | 391 | 273 | 2,882 | 3,546 | 3.12 | ||||||||||||||||||||
Multi-Family | 848,708 | 847,562 | 20 | — | 1,126 | 1,146 | 0.14 | ||||||||||||||||||||
Commercial Real Estate | 438,382 | 435,766 | 967 | 387 | 1,262 | 2,616 | 0.6 | ||||||||||||||||||||
Commercial & Industrial | 277,100 | 275,817 | 1,246 | 1 | 36 | 1,283 | 0.46 | ||||||||||||||||||||
HELOC | 112,550 | 111,625 | 603 | 284 | 38 | 925 | 0.82 | ||||||||||||||||||||
Consumer | 41,434 | 40,184 | 781 | 225 | 244 | 1,250 | 3.02 | ||||||||||||||||||||
Total non-acquired loans | 7,612,058 | 7,494,058 | 32,973 | 12,445 | 72,582 | 118,000 | 1.55 | % | |||||||||||||||||||
Non-impaired acquired loans | |||||||||||||||||||||||||||
Single-Family Residential | 13,177 | 13,104 | 73 | — | — | 73 | 0.55 | % | |||||||||||||||||||
Construction - Speculative | — | — | — | — | — | — | — | ||||||||||||||||||||
Construction - Custom | — | — | — | — | — | — | — | ||||||||||||||||||||
Land - Acquisition & Development | 1,135 | 726 | — | 409 | — | 409 | 36.04 | ||||||||||||||||||||
Land - Consumer Lot Loans | 3,240 | 3,115 | — | — | 125 | 125 | 3.86 | ||||||||||||||||||||
Multi-Family | 3,538 | 3,402 | — | — | 136 | 136 | 3.84 | ||||||||||||||||||||
Commercial Real Estate | 112,083 | 108,651 | 96 | — | 3,336 | 3,432 | 3.06 | ||||||||||||||||||||
Commercial & Industrial | 69,868 | 69,542 | 120 | 69 | 137 | 326 | 0.47 | ||||||||||||||||||||
HELOC | 8,624 | 8,440 | 184 | — | — | 184 | 2.13 | ||||||||||||||||||||
Consumer | 6,842 | 6,417 | 46 | 2 | 377 | 425 | 6.21 | ||||||||||||||||||||
Total non-impaired acquired loans | 218,507 | 213,397 | 519 | 480 | 4,111 | 5,110 | 2.34 | % | |||||||||||||||||||
Credit-impaired acquired loans | |||||||||||||||||||||||||||
Single-Family Residential | 329 | 329 | — | — | — | — | — | % | |||||||||||||||||||
Construction - Speculative | — | — | — | — | — | — | — | ||||||||||||||||||||
Construction - Custom | — | — | — | — | — | — | — | ||||||||||||||||||||
Land - Acquisition & Development | 1,758 | 1,758 | — | — | — | — | — | ||||||||||||||||||||
Land - Consumer Lot Loans | — | — | — | — | — | — | — | ||||||||||||||||||||
Multi-Family | — | — | — | — | — | — | — | ||||||||||||||||||||
Commercial Real Estate | 68,115 | 67,767 | 348 | — | — | 348 | 0.51 | ||||||||||||||||||||
Commercial & Industrial | 4,724 | 4,318 | — | — | 406 | 406 | 8.59 | ||||||||||||||||||||
HELOC | 10,679 | 10,276 | — | — | 403 | 403 | 3.77 | ||||||||||||||||||||
Consumer | 58 | 58 | — | — | — | — | — | ||||||||||||||||||||
Total credit-impaired acquired loans | 85,663 | 84,506 | 348 | — | 809 | 1,157 | 1.35 | % | |||||||||||||||||||
Total Loans | $ | 7,916,228 | $ | 7,791,961 | $ | 33,840 | $ | 12,925 | $ | 77,502 | $ | 124,267 | 1.57 | % | |||||||||||||
30-Sep-13 | Amount of Loans | Days Delinquent Based on $ Amount of Loans | % based | ||||||||||||||||||||||||
Type of Loan | Net of LIP & Chg.-Offs | Current | 30 | 60 | 90 | Total | on $ | ||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Non-acquired loans | |||||||||||||||||||||||||||
Single-Family Residential | $ | 5,356,200 | $ | 5,237,413 | $ | 26,888 | $ | 12,373 | $ | 79,526 | $ | 118,787 | 2.22 | % | |||||||||||||
Construction - Speculative | 82,422 | 80,047 | — | — | 2,375 | 2,375 | 2.88 | ||||||||||||||||||||
Construction - Custom | 130,095 | 129,678 | 417 | — | — | 417 | 0.32 | ||||||||||||||||||||
Land - Acquisition & Development | 71,567 | 70,106 | — | — | 1,461 | 1,461 | 2.04 | ||||||||||||||||||||
Land - Consumer Lot Loans | 121,473 | 117,076 | 806 | 355 | 3,236 | 4,397 | 3.62 | ||||||||||||||||||||
Multi-Family | 790,564 | 785,793 | — | — | 4,771 | 4,771 | 0.6 | ||||||||||||||||||||
Commercial Real Estate | 404,680 | 398,114 | 2,942 | 351 | 3,273 | 6,566 | 1.62 | ||||||||||||||||||||
Commercial & Industrial | 249,405 | 249,363 | 42 | — | — | 42 | 0.02 | ||||||||||||||||||||
HELOC | 112,186 | 111,407 | 493 | 213 | 73 | 779 | 0.69 | ||||||||||||||||||||
Consumer | 47,142 | 45,620 | 849 | 283 | 390 | 1,522 | 3.23 | ||||||||||||||||||||
Total non-acquired loans | 7,365,734 | 7,224,617 | 32,437 | 13,575 | 95,105 | 141,117 | 1.92 | % | |||||||||||||||||||
Non-impaired acquired loans | |||||||||||||||||||||||||||
Single-Family Residential | 14,468 | 14,343 | 82 | — | 43 | 125 | 0.86 | % | |||||||||||||||||||
Construction - Speculative | — | — | — | — | — | — | NM | ||||||||||||||||||||
Construction - Custom | — | — | — | — | — | — | NM | ||||||||||||||||||||
Land - Acquisition & Development | 1,489 | 1,241 | — | — | 248 | 248 | 16.66 | ||||||||||||||||||||
Land - Consumer Lot Loans | 3,313 | 2,987 | 125 | 100 | 101 | 326 | 9.84 | ||||||||||||||||||||
Multi-Family | 3,914 | 3,914 | — | — | — | — | — | ||||||||||||||||||||
Commercial Real Estate | 133,398 | 128,610 | 134 | 617 | 4,037 | 4,788 | 3.59 | ||||||||||||||||||||
Commercial & Industrial | 75,323 | 74,992 | 10 | 153 | 168 | 331 | 0.44 | ||||||||||||||||||||
HELOC | 10,179 | 10,063 | — | 16 | 100 | 116 | 1.14 | ||||||||||||||||||||
Consumer | 8,266 | 7,568 | 90 | 8 | 600 | 698 | 8.44 | ||||||||||||||||||||
Total non-impaired acquired loans | 250,350 | 243,718 | 441 | 894 | 5,297 | 6,632 | 2.65 | % | |||||||||||||||||||
Credit-impaired acquired loans | |||||||||||||||||||||||||||
Single-Family Residential | 333 | 333 | — | — | — | — | — | % | |||||||||||||||||||
Construction - Speculative | — | — | — | — | — | — | NM | ||||||||||||||||||||
Construction - Custom | — | — | — | — | — | — | — | ||||||||||||||||||||
Land - Acquisition & Development | 2,393 | 1,929 | — | 464 | — | 464 | 19.39 | ||||||||||||||||||||
Land - Consumer Lot Loans | — | — | — | — | — | — | — | ||||||||||||||||||||
Multi-Family | — | — | — | — | — | — | — | ||||||||||||||||||||
Commercial Real Estate | 83,116 | 80,095 | 2,301 | — | 720 | 3,021 | 3.63 | ||||||||||||||||||||
Commercial & Industrial | 1,705 | 1,396 | — | — | 309 | 309 | 18.12 | ||||||||||||||||||||
HELOC | 11,266 | 11,176 | — | — | 90 | 90 | 0.8 | ||||||||||||||||||||
Consumer | 71 | 71 | — | — | — | — | — | ||||||||||||||||||||
Total credit-impaired acquired loans | 98,884 | 95,000 | 2,301 | 464 | 1,119 | 3,884 | 3.93 | % | |||||||||||||||||||
Total Loans | $ | 7,714,968 | $ | 7,563,335 | $ | 35,179 | $ | 14,933 | $ | 101,521 | $ | 151,633 | 1.97 | % | |||||||||||||
Most loans restructured in troubled debt restructurings ("TDRs") are accruing and performing loans where the borrower has proactively approached the Company about modification due to temporary financial difficulties. Each request is individually evaluated for merit and likelihood of success. The concession for these loans is typically a payment reduction through a rate reduction of between 100 to 200 basis points for a specific term, usually six to twenty-four months. Interest-only payments may also be approved during the modification period. As of March 31, 2014, single-family residential loans comprised 86.1% of TDRs. | |||||||||||||||||||||||||||
The Company reserves for restructured loans within its allowance for loan loss methodology by taking into account the following performance indicators: 1) time since modification, 2) current payment status and 3) geographic area. | |||||||||||||||||||||||||||
The following tables provide information related to loans that were restructured during the periods indicated: | |||||||||||||||||||||||||||
Quarter Ended March 31, | |||||||||||||||||||||||||||
2014 | 2013 | ||||||||||||||||||||||||||
Pre-Modification | Post-Modification | Pre-Modification | Post-Modification | ||||||||||||||||||||||||
Outstanding | Outstanding | Outstanding | Outstanding | ||||||||||||||||||||||||
Number of | Recorded | Recorded | Number of | Recorded | Recorded | ||||||||||||||||||||||
Contracts | Investment | Investment | Contracts | Investment | Investment | ||||||||||||||||||||||
(In thousands) | (In thousands) | ||||||||||||||||||||||||||
Troubled Debt Restructurings: | |||||||||||||||||||||||||||
Single-Family Residential | 43 | $ | 12,692 | $ | 12,692 | 130 | $ | 36,059 | $ | 36,059 | |||||||||||||||||
Construction - Speculative | — | — | — | — | — | — | |||||||||||||||||||||
Construction - Custom | — | — | — | — | — | — | |||||||||||||||||||||
Land - Acquisition & Development | — | — | — | — | — | — | |||||||||||||||||||||
Land - Consumer Lot Loans | 1 | 302 | 302 | 9 | 1,350 | 1,350 | |||||||||||||||||||||
Multi-Family | — | — | — | — | — | — | |||||||||||||||||||||
Commercial Real Estate | — | — | — | — | — | — | |||||||||||||||||||||
Commercial & Industrial | — | — | — | — | — | — | |||||||||||||||||||||
HELOC | — | — | — | 1 | 200 | 200 | |||||||||||||||||||||
Consumer | 1 | 130 | 130 | — | — | — | |||||||||||||||||||||
45 | $ | 13,124 | $ | 13,124 | 140 | $ | 37,609 | $ | 37,609 | ||||||||||||||||||
Six Months Ended March 31, | |||||||||||||||||||||||||||
2014 | 2013 | ||||||||||||||||||||||||||
Pre-Modification | Post-Modification | Pre-Modification | Post-Modification | ||||||||||||||||||||||||
Outstanding | Outstanding | Outstanding | Outstanding | ||||||||||||||||||||||||
Number of | Recorded | Recorded | Number of | Recorded | Recorded | ||||||||||||||||||||||
Contracts | Investment | Investment | Contracts | Investment | Investment | ||||||||||||||||||||||
(In thousands) | (In thousands) | ||||||||||||||||||||||||||
Troubled Debt Restructurings: | |||||||||||||||||||||||||||
Single-Family Residential | 151 | 34,877 | 34,877 | 230 | 63,146 | 63,146 | |||||||||||||||||||||
Construction - Speculative | — | — | — | 1 | 2,492 | 2,492 | |||||||||||||||||||||
Construction - Custom | — | — | — | — | — | — | |||||||||||||||||||||
Land - Acquisition & Development | — | — | — | — | — | — | |||||||||||||||||||||
Land - Consumer Lot Loans | 6 | 1,394 | 1,394 | 18 | 2,761 | 2,761 | |||||||||||||||||||||
Multi-Family | 2 | 1,207 | 1,207 | 1 | 55 | 55 | |||||||||||||||||||||
Commercial Real Estate | 1 | 804 | 804 | — | — | — | |||||||||||||||||||||
Commercial & Industrial | — | — | — | — | — | — | |||||||||||||||||||||
HELOC | 1 | 261 | 261 | 1 | 200 | 200 | |||||||||||||||||||||
Consumer | 3 | 167 | 167 | — | — | — | |||||||||||||||||||||
164 | $ | 38,710 | $ | 38,710 | 251 | $ | 68,654 | $ | 68,654 | ||||||||||||||||||
The following tables provide information on restructured loans for which a payment default occurred during the periods indicated and that had been modified as a TDR within 12 months or less of the payment default: | |||||||||||||||||||||||||||
Quarter Ended March 31, | |||||||||||||||||||||||||||
2014 | 2013 | ||||||||||||||||||||||||||
Number of | Recorded | Number of | Recorded | ||||||||||||||||||||||||
Contracts | Investment | Contracts | Investment | ||||||||||||||||||||||||
(In thousands) | (In thousands) | ||||||||||||||||||||||||||
Troubled Debt Restructurings That Subsequently Defaulted: | |||||||||||||||||||||||||||
Single-Family Residential | 23 | $ | 4,218 | 37 | $ | 8,579 | |||||||||||||||||||||
Construction - Speculative | — | — | — | — | |||||||||||||||||||||||
Construction - Custom | — | — | — | — | |||||||||||||||||||||||
Land - Acquisition & Development | — | — | — | — | |||||||||||||||||||||||
Land - Consumer Lot Loans | 1 | 83 | 1 | 139 | |||||||||||||||||||||||
Multi-Family | — | — | 1 | 55 | |||||||||||||||||||||||
Commercial Real Estate | — | — | — | — | |||||||||||||||||||||||
Commercial & Industrial | — | — | — | — | |||||||||||||||||||||||
HELOC | — | — | 2 | 113 | |||||||||||||||||||||||
Consumer | — | — | — | — | |||||||||||||||||||||||
24 | $ | 4,301 | 41 | $ | 8,886 | ||||||||||||||||||||||
Six Months Ended March 31, | |||||||||||||||||||||||||||
2014 | 2013 | ||||||||||||||||||||||||||
Number of | Recorded | Number of | Recorded | ||||||||||||||||||||||||
Contracts | Investment | Contracts | Investment | ||||||||||||||||||||||||
(In thousands) | (In thousands) | ||||||||||||||||||||||||||
Troubled Debt Restructurings That Subsequently Defaulted: | |||||||||||||||||||||||||||
Single-Family Residential | 38 | $ | 7,067 | 55 | $ | 13,704 | |||||||||||||||||||||
Construction - Speculative | — | — | — | — | |||||||||||||||||||||||
Construction - Custom | — | — | — | — | |||||||||||||||||||||||
Land - Acquisition & Development | — | — | — | — | |||||||||||||||||||||||
Land - Consumer Lot Loans | 4 | 358 | 1 | 139 | |||||||||||||||||||||||
Multi-Family | — | — | 1 | 55 | |||||||||||||||||||||||
Commercial Real Estate | — | — | 1 | 302 | |||||||||||||||||||||||
Commercial & Industrial | — | — | — | — | |||||||||||||||||||||||
HELOC | — | — | 2 | 113 | |||||||||||||||||||||||
Consumer | — | — | — | — | |||||||||||||||||||||||
42 | $ | 7,425 | 60 | $ | 14,313 | ||||||||||||||||||||||
Allowance_for_Losses_on_Loans
Allowance for Losses on Loans | 6 Months Ended | |||||||||||||||||||||||
Mar. 31, 2014 | ||||||||||||||||||||||||
Receivables [Abstract] | ' | |||||||||||||||||||||||
Allowance for Losses on Loans | ' | |||||||||||||||||||||||
Allowance for Losses on Loans | ||||||||||||||||||||||||
The Company has an asset quality review function that analyzes its loan portfolios and reports the results of the review to the Board of Directors on a quarterly basis. The single-family residential, HELOC and consumer portfolios are evaluated based on their performance as a pool of loans, since no single loan is individually significant or judged by its risk rating, size or potential risk of loss. The construction, land, multi-family, commercial real estate and commercial and industrial loans are risk rated on a loan by loan basis to determine the relative risk inherent in specific borrowers or loans. Based on that risk rating, the loans are assigned a grade and classified as follows: | ||||||||||||||||||||||||
• | Pass – the credit does not meet one of the definitions below. | |||||||||||||||||||||||
• | Special mention – A special mention credit is considered to be currently protected from loss but is potentially weak. No loss of principal or interest is foreseen; however, proper supervision and Management attention is required to deter further deterioration in the credit. Assets in this category constitute some undue and unwarranted credit risk but not to the point of justifying a risk rating of substandard. The credit risk may be relatively minor yet constitutes an unwarranted risk in light of the circumstances surrounding a specific asset. | |||||||||||||||||||||||
• | Substandard – A substandard credit is an unacceptable credit. Additionally, repayment in the normal course is in jeopardy due to the existence of one or more well defined weaknesses. In these situations, loss of principal is likely if the weakness is not corrected. A substandard asset is inadequately protected by the current sound worth and paying capacity of the borrower or of the collateral pledged, if any. Assets so classified will have a well defined weakness or weaknesses that jeopardize the liquidation of the debt. Loss potential, while existing in the aggregate amount of substandard assets, does not have to exist in individual assets risk rated substandard. | |||||||||||||||||||||||
• | Doubtful – A credit classified doubtful has all the weaknesses inherent in one classified substandard with the added characteristic that the weakness makes collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. The probability of loss is high, but because of certain important and reasonably specific pending factors that may work to the advantage and strengthening of the asset, its classification as an estimated loss is deferred until its more exact status may be determined. Pending factors include proposed merger, acquisition, or liquidation procedures, capital injection, perfecting liens on additional collateral, and refinancing plans. | |||||||||||||||||||||||
• | Loss – Credits classified loss are considered uncollectible and of such little value that their continuance as a bankable asset is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this asset even though partial recovery may be affected in the future. Losses should be taken in the period in which they are identified as uncollectible. Partial charge-off versus full charge-off may be taken if the collateral offers some identifiable protection. | |||||||||||||||||||||||
The following table summarizes the activity in the allowance for loan losses (excluding acquired and covered loans) for the quarter ended March 31, 2014 and fiscal year ended September 30, 2013: | ||||||||||||||||||||||||
Quarter Ended March 31, 2014 | Beginning | Charge-offs | Recoveries | Provision & | Ending | |||||||||||||||||||
Allowance | Transfers | Allowance | ||||||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
Single-family residential | $ | 67,692 | $ | (2,444 | ) | $ | 2,088 | $ | (3,988 | ) | $ | 63,348 | ||||||||||||
Construction - speculative | 8,142 | (488 | ) | — | (881 | ) | 6,773 | |||||||||||||||||
Construction - custom | 1,474 | — | — | 125 | 1,599 | |||||||||||||||||||
Land - acquisition & development | 7,084 | (85 | ) | 299 | (1,271 | ) | 6,027 | |||||||||||||||||
Land - consumer lot loans | 3,274 | (231 | ) | — | (69 | ) | 2,974 | |||||||||||||||||
Multi-family | 4,109 | — | — | 78 | 4,187 | |||||||||||||||||||
Commercial real estate | 5,868 | (73 | ) | — | 129 | 5,924 | ||||||||||||||||||
Commercial & industrial | 16,505 | (444 | ) | 2,852 | 1,490 | 20,403 | ||||||||||||||||||
HELOC | 943 | — | — | 32 | 975 | |||||||||||||||||||
Consumer | 3,067 | (1,010 | ) | 1,059 | (395 | ) | 2,721 | |||||||||||||||||
$ | 118,158 | $ | (4,775 | ) | $ | 6,298 | $ | (4,750 | ) | $ | 114,931 | |||||||||||||
Fiscal Year Ended September 30, 2013 | Beginning | Charge-offs | Recoveries | Provision & | Ending | |||||||||||||||||||
Allowance | Transfers | Allowance | ||||||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
Single-family residential | $ | 81,815 | $ | (20,947 | ) | $ | 9,416 | $ | (6,100 | ) | $ | 64,184 | ||||||||||||
Construction - speculative | 12,060 | (1,446 | ) | 501 | (2,708 | ) | 8,407 | |||||||||||||||||
Construction - custom | 347 | (481 | ) | — | 1,016 | 882 | ||||||||||||||||||
Land - acquisition & development | 15,598 | (3,983 | ) | 4,105 | (6,555 | ) | 9,165 | |||||||||||||||||
Land - consumer lot loans | 4,937 | (1,363 | ) | 40 | (62 | ) | 3,552 | |||||||||||||||||
Multi-family | 5,280 | (1,043 | ) | 171 | (592 | ) | 3,816 | |||||||||||||||||
Commercial real estate | 1,956 | (747 | ) | 17 | 4,369 | 5,595 | ||||||||||||||||||
Commercial & industrial | 7,626 | (1,145 | ) | 95 | 10,038 | 16,614 | ||||||||||||||||||
HELOC | 965 | (163 | ) | — | 200 | 1,002 | ||||||||||||||||||
Consumer | 2,563 | (2,783 | ) | 2,000 | 1,744 | 3,524 | ||||||||||||||||||
$ | 133,147 | $ | (34,101 | ) | $ | 16,345 | $ | 1,350 | $ | 116,741 | ||||||||||||||
The Company recorded a $4,336,000 reversal of the provision for loan losses during the quarter ended March 31, 2014, while $0 provision was recorded for the same quarter one year ago. This reversal of the provision for loan losses is comprised of a $4,750,000 reversal for non-covered loans and a provision of $414,000 for acquired or covered loans. The primary reason for the current period recovery is the credit quality of the portfolio has been improving significantly and economic conditions are more favorable. | ||||||||||||||||||||||||
Non-performing assets (“NPAs”) amounted to $174,789,000, or 1.22%, of total assets at March 31, 2014, compared to $246,075,000, or 1.88%, of total assets one year ago. Acquired loans, including covered loans, are not initially classified as non-performing loans because, at acquisition, the carrying value of these loans is adjusted to reflect fair value. There was an additional provision for loan losses recorded on acquired or covered loans during the quarter ended March 31, 2014 of $414,000 as a result of decreased expectations of future cash flows due to increased credit losses for certain acquired loan pools. Non-accrual loans decreased from $149,033,000 at March 31, 2013, to $100,198,000 at March 31, 2014, a 32.8% decrease. | ||||||||||||||||||||||||
The Company had net recoveries of $1,523,000 for the quarter ended March 31, 2014, compared with $3,943,000 of net charge-offs for the same quarter one year ago. A loan is charged-off when the loss is estimable and it is confirmed that the borrower will not be able to meet its contractual obligations. | ||||||||||||||||||||||||
For the period ending March 31, 2014 , $114,096,000 of the allowance was calculated under the Company's general allowance methodology and the remaining $835,000 was made up of specific reserves on loans that were deemed to be impaired. For the period ending September 30, 2013, these amounts were $113,268,000 and $3,473,000, respectively. The shift in total allowance allocation from specific reserves to general reserves is due to the Company having already addressed many of the problem loans focused in the speculative construction and land A&D portfolios, combined with an increase in delinquencies and elevated charge-offs in the single family residential portfolio as compared to prior to the 2009-2011 financial crisis. | ||||||||||||||||||||||||
The following tables shows a summary of loans collectively and individually evaluated for impairment and the related allocation of general and specific reserves as of March 31, 2014 and September 30, 2013: | ||||||||||||||||||||||||
March 31, 2014 | Loans Collectively Evaluated for Impairment | Loans Individually Evaluated for Impairment | ||||||||||||||||||||||
General Reserve | Gross Loans Subject to | Ratio | Specific Reserve | Gross Loans Subject to | Ratio | |||||||||||||||||||
Allocation | General Reserve (1) | Allocation | Specific Reserve (1) | |||||||||||||||||||||
(In thousands) | (In thousands) | |||||||||||||||||||||||
Single-family residential | $ | 63,348 | $ | 5,357,841 | 1.2 | % | $ | — | $ | 90,746 | — | % | ||||||||||||
Construction - speculative | 6,713 | 123,185 | 5.4 | 60 | 11,816 | 0.5 | ||||||||||||||||||
Construction - custom | 1,599 | 354,279 | 0.5 | — | — | — | ||||||||||||||||||
Land - acquisition & development | 5,252 | 64,917 | 8.1 | 775 | 9,238 | 8.4 | ||||||||||||||||||
Land - consumer lot loans | 2,974 | 99,065 | 3 | — | 14,558 | — | ||||||||||||||||||
Multi-family | 4,187 | 857,244 | 0.5 | — | 8,853 | — | ||||||||||||||||||
Commercial real estate | 5,924 | 439,307 | 1.3 | — | 14,938 | — | ||||||||||||||||||
Commercial & industrial | 20,403 | 288,641 | 7.1 | — | 10 | — | ||||||||||||||||||
HELOC | 975 | 111,530 | 0.9 | — | 1,020 | — | ||||||||||||||||||
Consumer | 2,721 | 41,339 | 6.6 | — | — | — | ||||||||||||||||||
$ | 114,096 | $ | 7,737,348 | 1.5 | % | $ | 835 | $ | 151,179 | 0.6 | % | |||||||||||||
-1 | Excludes acquired loans with discounts sufficient to absorb potential losses and covered loans | |||||||||||||||||||||||
September 30, 2013 | Loans Collectively Evaluated for Impairment | Loans Individually Evaluated for Impairment | ||||||||||||||||||||||
General Reserve | Gross Loans Subject to | Ratio | Specific Reserve | Gross Loans Subject to | Ratio | |||||||||||||||||||
Allocation | General Reserve (1) | Allocation | Specific Reserve (1) | |||||||||||||||||||||
(In thousands) | (In thousands) | |||||||||||||||||||||||
Single-family residential | $ | 64,184 | $ | 5,262,159 | 1.2 | % | $ | — | $ | 96,989 | — | % | ||||||||||||
Construction - speculative | 7,307 | 115,554 | 6.3 | 1,100 | 15,224 | 7.2 | ||||||||||||||||||
Construction - custom | 882 | 302,722 | 0.3 | — | — | — | ||||||||||||||||||
Land - acquisition & development | 6,943 | 67,521 | 10.3 | 2,222 | 10,254 | 21.7 | ||||||||||||||||||
Land - consumer lot loans | 3,506 | 107,216 | 3.3 | 46 | 14,455 | 0.3 | ||||||||||||||||||
Multi-family | 3,711 | 824,279 | 0.5 | 105 | 7,405 | 1.4 | ||||||||||||||||||
Commercial real estate | 5,595 | 400,789 | 1.4 | — | 14,172 | — | ||||||||||||||||||
Commercial & industrial | 16,614 | 256,954 | 6.5 | — | 48 | — | ||||||||||||||||||
HELOC | 1,002 | 111,169 | 0.9 | — | 1,017 | — | ||||||||||||||||||
Consumer | 3,524 | 47,141 | 7.5 | — | — | — | ||||||||||||||||||
$ | 113,268 | $ | 7,495,504 | 1.5 | % | $ | 3,473 | $ | 159,564 | 2.2 | % | |||||||||||||
(1) Excludes acquired loans with discounts sufficient to absorb potential losses and covered loans | ||||||||||||||||||||||||
The following tables provide information on loans based on credit quality indicators (defined above) as of March 31, 2014 and September 30, 2013. | ||||||||||||||||||||||||
Credit Risk Profile by Internally Assigned Grade (excludes covered loans): | ||||||||||||||||||||||||
March 31, 2014 | Internally Assigned Grade | Total | ||||||||||||||||||||||
Pass | Special mention | Substandard | Doubtful | Loss | Gross Loans | |||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
Non-acquired loans | ||||||||||||||||||||||||
Single-family residential | $ | 5,282,350 | $ | 3,009 | $ | 163,228 | $ | — | $ | — | $ | 5,448,587 | ||||||||||||
Construction - speculative | 119,429 | — | 15,572 | — | — | 135,001 | ||||||||||||||||||
Construction - custom | 354,279 | — | — | — | — | 354,279 | ||||||||||||||||||
Land - acquisition & development | 64,579 | — | 9,576 | — | — | 74,155 | ||||||||||||||||||
Land - consumer lot loans | 113,160 | — | 463 | — | — | 113,623 | ||||||||||||||||||
Multi-family | 859,295 | 1,825 | 4,977 | — | — | 866,097 | ||||||||||||||||||
Commercial real estate | 419,914 | 17,526 | 16,806 | — | — | 454,246 | ||||||||||||||||||
Commercial & industrial | 255,607 | 19,668 | 1,797 | 37 | — | 277,109 | ||||||||||||||||||
HELOC | 112,549 | — | — | — | — | 112,549 | ||||||||||||||||||
Consumer | 41,077 | — | 262 | — | — | 41,339 | ||||||||||||||||||
7,622,239 | 42,028 | 212,681 | 37 | — | 7,876,985 | |||||||||||||||||||
Non-impaired acquired loans | ||||||||||||||||||||||||
Single-family residential | 13,177 | — | — | — | — | 13,177 | ||||||||||||||||||
Construction - speculative | — | — | — | — | — | — | ||||||||||||||||||
Construction - custom | — | — | — | — | — | — | ||||||||||||||||||
Land - acquisition & development | 726 | — | 409 | — | — | 1,135 | ||||||||||||||||||
Land - consumer lot loans | 3,116 | — | 125 | — | — | 3,241 | ||||||||||||||||||
Multi-family | 3,402 | — | 136 | — | — | 3,538 | ||||||||||||||||||
Commercial real estate | 93,378 | 3,473 | 15,235 | 3 | — | 112,089 | ||||||||||||||||||
Commercial & industrial | 51,471 | 13,726 | 4,638 | 37 | — | 69,872 | ||||||||||||||||||
HELOC | 8,624 | — | — | — | — | 8,624 | ||||||||||||||||||
Consumer | 6,465 | — | 377 | — | — | 6,842 | ||||||||||||||||||
180,359 | 17,199 | 20,920 | 40 | — | 218,518 | |||||||||||||||||||
Credit-impaired acquired loans | ||||||||||||||||||||||||
Pool 1 - Construction and land A&D | 1,387 | — | 371 | — | — | 1,758 | ||||||||||||||||||
Pool 2 - Single-family residential | 329 | — | — | — | — | 329 | ||||||||||||||||||
Pool 3 - Multi-family | — | — | — | — | — | — | ||||||||||||||||||
Pool 4 - HELOC & other consumer | 10,335 | — | 403 | — | — | 10,738 | ||||||||||||||||||
Pool 5 - Commercial real estate | 50,768 | 2,168 | 15,186 | — | — | 68,122 | ||||||||||||||||||
Pool 6 - Commercial & industrial | 1,126 | 3,598 | — | — | — | 4,724 | ||||||||||||||||||
Total credit impaired acquired loans | 63,945 | 5,766 | 15,960 | — | — | 85,671 | ||||||||||||||||||
Total gross loans | $ | 7,866,543 | $ | 64,993 | $ | 249,561 | $ | 77 | $ | — | $ | 8,181,174 | ||||||||||||
Total grade as a % of total gross loans | 96.2 | % | 0.8 | % | 3 | % | — | % | — | % | ||||||||||||||
September 30, 2013 | Internally Assigned Grade | Total | ||||||||||||||||||||||
Pass | Special mention | Substandard | Doubtful | Loss | Gross Loans | |||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
Non-acquired loans | ||||||||||||||||||||||||
Single-family residential | $ | 5,184,101 | $ | 4,595 | $ | 170,453 | $ | — | $ | — | $ | 5,359,149 | ||||||||||||
Construction - speculative | 99,436 | 3,199 | 28,143 | — | — | 130,778 | ||||||||||||||||||
Construction - custom | 302,722 | — | — | — | — | 302,722 | ||||||||||||||||||
Land - acquisition & development | 64,355 | 775 | 12,645 | — | — | 77,775 | ||||||||||||||||||
Land - consumer lot loans | 121,039 | — | 632 | — | — | 121,671 | ||||||||||||||||||
Multi-family | 819,911 | 2,114 | 9,659 | — | — | 831,684 | ||||||||||||||||||
Commercial real estate | 373,012 | 21,652 | 20,297 | — | — | 414,961 | ||||||||||||||||||
Commercial & industrial | 240,441 | 1,049 | 1,709 | — | — | 243,199 | ||||||||||||||||||
HELOC | 112,186 | — | — | — | — | 112,186 | ||||||||||||||||||
Consumer | 46,720 | — | 421 | — | — | 47,141 | ||||||||||||||||||
7,363,923 | $ | 33,384 | $ | 243,959 | $ | — | $ | — | $ | 7,641,266 | ||||||||||||||
Non-impaired acquired loans | ||||||||||||||||||||||||
Single-family residential | 14,468 | — | — | — | — | 14,468 | ||||||||||||||||||
Construction - speculative | — | — | — | — | — | — | ||||||||||||||||||
Construction - custom | — | — | — | — | — | — | ||||||||||||||||||
Land - acquisition & development | 312 | — | 1,177 | — | — | 1,489 | ||||||||||||||||||
Land - consumer lot loans | 3,313 | — | — | — | — | 3,313 | ||||||||||||||||||
Multi-family | 3,227 | — | 687 | — | — | 3,914 | ||||||||||||||||||
Commercial real estate | 105,055 | 4,190 | 24,178 | — | — | 133,423 | ||||||||||||||||||
Commercial & industrial | 64,933 | 1,309 | 9,084 | — | — | 75,326 | ||||||||||||||||||
HELOC | 10,179 | — | — | — | — | 10,179 | ||||||||||||||||||
Consumer | 8,267 | — | — | — | — | 8,267 | ||||||||||||||||||
209,754 | 5,499 | 35,126 | — | — | 250,379 | |||||||||||||||||||
Credit-impaired acquired loans | ||||||||||||||||||||||||
Pool 1 - Construction and land A&D | 980 | 461 | 955 | — | — | 2,396 | ||||||||||||||||||
Pool 2 - Single-family residential | 333 | — | — | — | — | 333 | ||||||||||||||||||
Pool 3 - Multi-family | — | — | — | — | — | — | ||||||||||||||||||
Pool 4 - HELOC & other consumer | 11,337 | — | — | — | — | 11,337 | ||||||||||||||||||
Pool 5 - Commercial real estate | 52,509 | 3,155 | 21,245 | — | — | 76,909 | ||||||||||||||||||
Pool 6 - Commercial & industrial | 881 | — | 7,044 | — | — | 7,925 | ||||||||||||||||||
Total credit impaired acquired loans | 66,040 | 3,616 | 29,244 | — | — | 98,900 | ||||||||||||||||||
Total gross loans | $ | 7,639,717 | $ | 42,499 | $ | 308,329 | $ | — | $ | — | $ | 7,990,545 | ||||||||||||
Total grade as a % of total gross loans | 95.6 | % | 0.5 | % | 3.9 | % | — | % | — | % | ||||||||||||||
Credit Risk Profile Based on Payment Activity (excludes acquired and covered loans): | ||||||||||||||||||||||||
March 31, 2014 | Performing Loans | Non-Performing Loans | ||||||||||||||||||||||
Amount | % of Total | Amount | % of Total | |||||||||||||||||||||
Gross Loans | Gross Loans | |||||||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
Single-family residential | $ | 5,366,847 | 98.5 | % | $ | 81,740 | 1.5 | % | ||||||||||||||||
Construction - speculative | 132,869 | 98.4 | 2,132 | 1.6 | ||||||||||||||||||||
Construction - custom | 354,014 | 99.9 | 265 | 0.1 | ||||||||||||||||||||
Land - acquisition & development | 72,042 | 97.2 | 2,113 | 2.8 | ||||||||||||||||||||
Land - consumer lot loans | 110,616 | 97.4 | 3,007 | 2.6 | ||||||||||||||||||||
Multi-family | 863,898 | 99.7 | 2,199 | 0.3 | ||||||||||||||||||||
Commercial real estate | 447,145 | 98.4 | 7,101 | 1.6 | ||||||||||||||||||||
Commercial & industrial | 276,530 | 99.8 | 579 | 0.2 | ||||||||||||||||||||
HELOC | 112,108 | 99.6 | 441 | 0.4 | ||||||||||||||||||||
Consumer | 40,718 | 98.5 | 621 | 1.5 | ||||||||||||||||||||
$ | 7,776,787 | 98.7 | % | $ | 100,198 | 1.3 | % | |||||||||||||||||
30-Sep-13 | Performing Loans | Non-Performing Loans | ||||||||||||||||||||||
Amount | % of Total | Amount | % of Total | |||||||||||||||||||||
Gross Loans | Gross Loans | |||||||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
Single-family residential | $ | 5,258,688 | 98.1 | % | $ | 100,460 | 1.9 | % | ||||||||||||||||
Construction - speculative | 126,218 | 96.5 | 4,560 | 3.5 | ||||||||||||||||||||
Construction - custom | 302,722 | 100 | — | — | ||||||||||||||||||||
Land - acquisition & development | 74,872 | 96.3 | 2,903 | 3.7 | ||||||||||||||||||||
Land - consumer lot loans | 118,334 | 97.3 | 3,337 | 2.7 | ||||||||||||||||||||
Multi-family | 825,111 | 99.2 | 6,573 | 0.8 | ||||||||||||||||||||
Commercial real estate | 389,423 | 97.1 | 11,736 | 2.9 | ||||||||||||||||||||
Commercial & industrial | 256,525 | 99.8 | 477 | 0.2 | ||||||||||||||||||||
HELOC | 111,923 | 99.8 | 263 | 0.2 | ||||||||||||||||||||
Consumer | 46,151 | 97.9 | 990 | 0.2 | ||||||||||||||||||||
$ | 7,509,967 | 98.3 | % | $ | 131,299 | 1.7 | % | |||||||||||||||||
The following table provides information on impaired loan balances and the related allowances by loan types as of March 31, 2014 and September 30, 2013: | ||||||||||||||||||||||||
March 31, 2014 | Recorded | Unpaid | Related | Average Recorded Investment | ||||||||||||||||||||
Investment | Principal | Allowance | ||||||||||||||||||||||
Balance | ||||||||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
With no related allowance recorded: | ||||||||||||||||||||||||
Single-family residential | $ | 26,196 | $ | 29,644 | $ | — | $ | 23,970 | ||||||||||||||||
Construction - speculative | 1,769 | 2,392 | — | 1,993 | ||||||||||||||||||||
Construction - custom | 265 | 265 | — | 133 | ||||||||||||||||||||
Land - acquisition & development | 1,973 | 9,325 | — | 2,085 | ||||||||||||||||||||
Land - consumer lot loans | 2,239 | 2,337 | — | 2,261 | ||||||||||||||||||||
Multi-family | 1,264 | 1,305 | — | 816 | ||||||||||||||||||||
Commercial real estate | 22,498 | 25,229 | — | 15,076 | ||||||||||||||||||||
Commercial & industrial | 3,843 | 23,737 | — | 3,897 | ||||||||||||||||||||
HELOC | 262 | 596 | — | 262 | ||||||||||||||||||||
Consumer | 321 | 376 | — | 329 | ||||||||||||||||||||
60,630 | 95,206 | — | 50,822 | |||||||||||||||||||||
With an allowance recorded: | ||||||||||||||||||||||||
Single-family residential | 348,917 | 355,044 | 15,730 | 347,772 | ||||||||||||||||||||
Construction - speculative | 9,613 | 10,043 | 60 | 9,625 | ||||||||||||||||||||
Construction - custom | 1,196 | 1,196 | — | 1,196 | ||||||||||||||||||||
Land - acquisition & development | 5,164 | 6,104 | 775 | 5,302 | ||||||||||||||||||||
Land - consumer lot loans | 13,270 | 13,653 | — | 13,305 | ||||||||||||||||||||
Multi-family | 7,727 | 7,947 | — | 7,744 | ||||||||||||||||||||
Commercial real estate | 14,457 | 14,662 | — | 14,511 | ||||||||||||||||||||
Commercial & industrial | 31 | 31 | — | 38 | ||||||||||||||||||||
HELOC | 1,198 | 1,198 | — | 1,198 | ||||||||||||||||||||
Consumer | 197 | 197 | — | 134 | ||||||||||||||||||||
401,770 | 410,075 | 16,565 | -1 | 400,825 | ||||||||||||||||||||
Total: | ||||||||||||||||||||||||
Single-family residential | 375,113 | 384,688 | 15,730 | 371,742 | ||||||||||||||||||||
Construction - speculative | 11,382 | 12,435 | 60 | 11,618 | ||||||||||||||||||||
Construction - custom | 1,461 | 1,461 | — | 1,329 | ||||||||||||||||||||
Land - acquisition & development | 7,137 | 15,429 | 775 | 7,387 | ||||||||||||||||||||
Land - consumer lot loans | 15,509 | 15,990 | — | 15,566 | ||||||||||||||||||||
Multi-family | 8,991 | 9,252 | — | 8,560 | ||||||||||||||||||||
Commercial real estate | 36,955 | 39,891 | — | 29,587 | ||||||||||||||||||||
Commercial & industrial | 3,874 | 23,768 | — | 3,935 | ||||||||||||||||||||
HELOC | 1,460 | 1,794 | — | 1,460 | ||||||||||||||||||||
Consumer | 518 | 573 | — | 463 | ||||||||||||||||||||
$ | 462,400 | $ | 505,281 | $ | 16,565 | -1 | $ | 451,647 | ||||||||||||||||
(1)Includes $835,000 of specific reserves and $15,730,000 included in the general reserves. | ||||||||||||||||||||||||
30-Sep-13 | Recorded | Unpaid | Related | 2013 Average | ||||||||||||||||||||
Investment | Principal | Allowance | Recorded | |||||||||||||||||||||
Balance | Investment | |||||||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
With no related allowance recorded: | ||||||||||||||||||||||||
Single-family residential | $ | 33,883 | $ | 38,928 | $ | — | $ | 21,458 | ||||||||||||||||
Construction - speculative | 3,891 | 4,099 | — | 3,339 | ||||||||||||||||||||
Construction - custom | — | — | — | — | ||||||||||||||||||||
Land - acquisition & development | 3,020 | 10,705 | — | 2,548 | ||||||||||||||||||||
Land - consumer lot loans | 3,186 | 3,376 | — | 1,839 | ||||||||||||||||||||
Multi-family | 4,929 | 4,929 | — | 1,734 | ||||||||||||||||||||
Commercial real estate | 23,537 | 31,876 | — | 9,651 | ||||||||||||||||||||
Commercial & industrial | 7,279 | 31,197 | — | 3,123 | ||||||||||||||||||||
HELOC | 446 | 946 | — | 133 | ||||||||||||||||||||
Consumer | 601 | 618 | — | 127 | ||||||||||||||||||||
80,772 | 126,674 | — | 43,952 | |||||||||||||||||||||
With an allowance recorded: | ||||||||||||||||||||||||
Single-family residential | 335,140 | 341,910 | 15,137 | 330,407 | ||||||||||||||||||||
Construction - speculative | 8,892 | 9,342 | 1,100 | 12,362 | ||||||||||||||||||||
Construction - custom | — | — | — | — | ||||||||||||||||||||
Land - acquisition & development | 2,598 | 4,002 | — | 8,315 | ||||||||||||||||||||
Land - consumer lot loans | 12,631 | 13,014 | 2,222 | 12,301 | ||||||||||||||||||||
Multi-family | 5,958 | 6,178 | 46 | 7,731 | ||||||||||||||||||||
Commercial real estate | 7,539 | 8,476 | 105 | 9,321 | ||||||||||||||||||||
Commercial & industrial | 56 | 56 | — | 11 | ||||||||||||||||||||
HELOC | 938 | 938 | — | 858 | ||||||||||||||||||||
Consumer | 33 | 33 | — | 9 | ||||||||||||||||||||
373,785 | 383,949 | 18,610 | -1 | 381,315 | ||||||||||||||||||||
Total: | ||||||||||||||||||||||||
Single-family residential | 369,023 | 380,838 | 15,137 | 351,865 | ||||||||||||||||||||
Construction - speculative | 12,783 | 13,441 | 1,100 | 15,701 | ||||||||||||||||||||
Construction - custom | — | — | — | — | ||||||||||||||||||||
Land - acquisition & development | 5,618 | 14,707 | — | 10,863 | ||||||||||||||||||||
Land - consumer lot loans | 15,817 | 16,390 | 2,222 | 14,140 | ||||||||||||||||||||
Multi-family | 10,887 | 11,107 | 46 | 9,465 | ||||||||||||||||||||
Commercial real estate | 31,076 | 40,352 | 105 | 18,972 | ||||||||||||||||||||
Commercial & industrial | 7,335 | 31,253 | — | 3,134 | ||||||||||||||||||||
HELOC | 1,384 | 1,884 | — | 991 | ||||||||||||||||||||
Consumer | 634 | 651 | — | 136 | ||||||||||||||||||||
$ | 454,557 | $ | 510,623 | $ | 18,610 | -1 | $ | 425,267 | ||||||||||||||||
-1 | Includes $3,473,000 of specific reserves and $15,137,000 included in the general reserves. |
New_Accounting_Pronouncements
New Accounting Pronouncements | 6 Months Ended |
Mar. 31, 2014 | |
New Accounting Pronouncements [Abstract] | ' |
New Accounting Pronouncements | ' |
New Accounting Pronouncements | |
In January 2014, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") 2014-01, Investments - Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Qualified Affordable Housing Projects. This ASU apply to all reporting entities that invest in qualified affordable housing projects through limited liability entities that are flow through entities for tax purposes. The amendments in this ASU eliminate the effective yield election and permit reporting entities to make an accounting policy election to account for their investments in qualified affordable housing projects using the proportional amortization method if certain conditions are met. Under the proportional amortization method, an entity amortizes the initial cost of the investment in proportion to the tax credits and other tax benefits received and recognizes the net investment performance in the income statement as a component of income tax expense (benefit). Those not electing the proportional amortization method would account for the investment using the equity method or cost method. The amendments in this ASU should be applied retrospectively to all periods presented. The amendments in this ASU are effective for public business entities for annual periods and interim reporting periods within those annual periods, beginning after December 15, 2014. Early adoption is permitted. The Company has adopted this ASU as of December 31, 2013. It has been adopted prospectively, as the retrospective adjustments were not material. The amount of affordable housing tax credits that are expected to be recognized during the 2014 calendar year is $3 million. The net investment balance recognized as of March 31, 2014 is $33 million. Using the proportional amortization method, the amount recognized as a component of income tax expense for the 2014 calendar year is $4 million. Contingent commitments for equity contributions during the 2014 calendar year are $31 million. Overall, this adoption does not have a material impact on the Company's consolidated financial statements. | |
In January 2014, the FASB issued ASU 2014-04, Receivables - Troubled Debt Restructurings by Creditors (Subtopic 310-40) - Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. The amendments are intended to clarify 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 should be derecognized and the real estate recognized. These amendments clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either: (a) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure; or (b) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additional disclosures are required. The amendments are effective for public business entities for annual periods and interim periods within those annual periods beginning after December 15, 2014. This ASU is not expected to have a material impact on the Company's consolidated financial statements. | |
In July 2013, the FASB issued ASU 2013-11, Income Taxes (Topic 740): Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, A Similar Tax Loss, or a Tax Credit Carryforward Exists. Some entities present unrecognized tax benefits as a liability unless the unrecognized tax benefit is directly associated with a tax position taken in a tax year that results in, or that resulted in, the recognition of a net operating loss or tax credit carryforward for that year and the net operating loss or tax credit carryforward has not been utilized. Other entities present unrecognized tax benefits as a reduction of a deferred tax asset for a net operating loss or tax credit carryforward in certain circumstances. The objective of the amendments in this Update is to eliminate that diversity in practice. The guidance in this ASU is effective for fiscal years, and interim periods within those years, beginning after December 15, 2013. The amendments should be applied prospectively to all unrecognized tax benefits that exist at the effective date. Retrospective application is permitted. This new guidance is not expected to have a material impact on the Company's consolidated financial statements. |
Fair_Value_Measurements
Fair Value Measurements | 6 Months Ended | |||||||||||||||||||||||
Mar. 31, 2014 | ||||||||||||||||||||||||
Fair Value Disclosures [Abstract] | ' | |||||||||||||||||||||||
Fair Value Measurements | ' | |||||||||||||||||||||||
Fair Value Measurements | ||||||||||||||||||||||||
U.S. GAAP defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. U.S. GAAP also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value: | ||||||||||||||||||||||||
Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active exchange markets that the entity has the ability to access as of the measurement date. | ||||||||||||||||||||||||
Level 2: Significant other observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active and other inputs that are observable or can be corroborated by observable market data. | ||||||||||||||||||||||||
Level 3: Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. | ||||||||||||||||||||||||
We have established and documented the Company's process for determining the fair values of the Company's assets and liabilities, where applicable. Fair value is based on quoted market prices, when available, for identical or similar assets or liabilities. In the absence of quoted market prices, fair value is determined using valuation models or third-party appraisals. The following is a description of the valuation methodologies used to measure and report the fair value of financial assets and liabilities on a recurring or nonrecurring basis: | ||||||||||||||||||||||||
Measured on a Recurring Basis | ||||||||||||||||||||||||
Securities | ||||||||||||||||||||||||
Securities available for sale are recorded at fair value on a recurring basis. Most securities at fair value are priced using model pricing based on the securities' relationship to other benchmark quoted prices as provided by an independent third party, and under the provisions of the Fair Value Measurements and Disclosures topic of the FASB Accounting Standards Codification are considered a Level 2 input method. Securities that are traded on active exchanges are considered a Level 1 input method. | ||||||||||||||||||||||||
The following tables present the balance of assets measured at fair value on a recurring basis at March 31, 2014 and September 30, 2013: | ||||||||||||||||||||||||
Fair Value at March 31, 2014 | ||||||||||||||||||||||||
Level 1 | Level 2 | Level 3 | Total | |||||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
Available-for-sale securities | ||||||||||||||||||||||||
Equity securities | $ | 101,496 | $ | — | $ | — | $ | 101,496 | ||||||||||||||||
Obligations of U.S. government | — | 782,257 | — | 782,257 | ||||||||||||||||||||
Obligations of states and political subdivisions | — | 22,912 | — | 22,912 | ||||||||||||||||||||
Corporate debt securities | — | 434,570 | — | 434,570 | ||||||||||||||||||||
Mortgage-backed securities | — | |||||||||||||||||||||||
Agency pass-through certificates | — | 1,709,873 | — | 1,709,873 | ||||||||||||||||||||
Other Commercial MBS | — | 59,467 | — | 59,467 | ||||||||||||||||||||
Balance at end of period | $ | 101,496 | $ | 3,009,079 | $ | — | $ | 3,110,575 | ||||||||||||||||
There were no transfers between, into and/or out of Levels 1, 2 or 3 during the quarter ended March 31, 2014. | ||||||||||||||||||||||||
Fair Value at September 30, 2013 | ||||||||||||||||||||||||
Level 1 | Level 2 | Level 3 | Total | |||||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
Available-for-sale securities | ||||||||||||||||||||||||
Equity securities | $ | 101,237 | $ | — | $ | — | $ | 101,237 | ||||||||||||||||
Obligations of U.S. government | — | 533,975 | — | 533,975 | ||||||||||||||||||||
Obligations of states and political subdivisions | — | 22,545 | — | 22,545 | ||||||||||||||||||||
Corporate debt securities | — | 452,015 | — | 452,015 | ||||||||||||||||||||
Mortgage-backed securities | ||||||||||||||||||||||||
Agency pass-through certificates | — | 1,251,176 | — | 1,251,176 | ||||||||||||||||||||
Balance at end of period | $ | 101,237 | $ | 2,259,711 | $ | — | $ | 2,360,948 | ||||||||||||||||
There were no transfers between, into and/or out of Levels 1, 2 or 3 during the quarter ended September 30, 2013 other than a transfer from Level 2 to Level 1 of $511 in Equity securities. | ||||||||||||||||||||||||
Measured on a Nonrecurring Basis | ||||||||||||||||||||||||
Impaired Loans & Real Estate Held for Sale | ||||||||||||||||||||||||
From time to time, and on a nonrecurring basis, fair value adjustments to collateral-dependent loans and real estate held for sale are recorded to reflect write-downs of principal balances based on the current appraised or estimated value of the collateral. When management determines that the fair value of the collateral or the real estate held for sale requires additional adjustments, either as a result of a non-current appraisal value or when there is no observable market price, the Company classifies the impaired loan or real estate held for sale as Level 3. Level 3 assets recorded at fair value on a nonrecurring basis at March 31, 2014 included loans for which a specific reserve allowance was established or a partial charge-off was recorded based on the fair value of collateral, as well as covered REO and real estate held for sale for which fair value of the properties was less than the cost basis. | ||||||||||||||||||||||||
Real estate held for sale consists principally of properties acquired through foreclosure. | ||||||||||||||||||||||||
The following tables present the aggregated balance of assets measured at estimated fair value on a nonrecurring basis through the six months ended March 31, 2014 and March 31, 2013, and the total losses (gains) resulting from those fair value adjustments for the quarters and six months ended March 31, 2014 and March 31, 2013. These estimated fair values are shown gross of estimated selling costs. | ||||||||||||||||||||||||
Six Months Ended March 31, 2014 | Quarter | Six Months | ||||||||||||||||||||||
Ended | Ended March 31, 2014 | |||||||||||||||||||||||
31-Mar-14 | ||||||||||||||||||||||||
Level 1 | Level 2 | Level 3 | Total | Total Losses (Gains) | ||||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
Impaired loans (1) | $ | — | $ | — | $ | 7,066 | $ | 7,066 | $ | 269 | $ | (536 | ) | |||||||||||
Covered REO (2) | — | — | 2,760 | 2,760 | 64 | 129 | ||||||||||||||||||
Real estate held for sale (2) | — | — | 26,725 | 26,725 | 2,657 | 6,382 | ||||||||||||||||||
Balance at end of period | $ | — | $ | — | $ | 36,551 | $ | 36,551 | $ | 2,990 | $ | 5,975 | ||||||||||||
Six Months Ended March 31, 2013 | Quarter | Six Months | ||||||||||||||||||||||
Ended | Ended March 31, 2013 | |||||||||||||||||||||||
31-Mar-13 | ||||||||||||||||||||||||
Level 1 | Level 2 | Level 3 | Total | Total Losses | ||||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
Impaired loans (1) | $ | — | $ | — | $ | 45,966 | $ | 45,966 | $ | 1,225 | $ | 11,038 | ||||||||||||
Covered REO (2) | — | — | 13,988 | 13,988 | 281 | 372 | ||||||||||||||||||
Real estate held for sale (2) | — | — | 54,069 | 54,069 | 6,488 | 14,024 | ||||||||||||||||||
Balance at end of period | $ | — | $ | — | $ | 114,023 | $ | 114,023 | $ | 7,994 | $ | 25,434 | ||||||||||||
___________________ | ||||||||||||||||||||||||
-1 | The losses represents remeasurements of collateral-dependent loans. | |||||||||||||||||||||||
-2 | The losses represents aggregate writedowns and charge-offs on real estate held for sale. | |||||||||||||||||||||||
There were no liabilities carried at fair value, measured on a recurring or nonrecurring basis, at March 31, 2014 or March 31, 2013. | ||||||||||||||||||||||||
The following describes the process used to value Level 3 assets measured on a nonrecurring basis: | ||||||||||||||||||||||||
Impaired loans - The Company adjusts the carrying amount of impaired loans when there is evidence of probable loss and the expected fair value of the loan is less than its contractual amount. The amount of the impairment may be determined based on the estimated present value of future cash flows or the fair value of the underlying collateral. Impaired loans with a specific reserve allowance based on cash flow analysis or the value of the underlying collateral are classified as Level 3 assets. | ||||||||||||||||||||||||
The evaluations for impairment are prepared by the Problem Loan Review Committee, which is chaired by the Chief Credit Officer and includes the Loan Review manager and Special Credits manager, as well as senior credit officers, division managers and group executives, as applicable. These evaluations are performed in conjunction with the quarterly allowance for probable loan & lease losses process. | ||||||||||||||||||||||||
Applicable loans are evaluated for impairment on a quarterly basis. Loans included in the previous quarter's review are reevaluated and if their values are materially different from the prior quarter evaluation, the underlying information (loan balance and collateral value) are compared. Material differences are evaluated for reasonableness and discussions are held between the relationship manager and their division manager to understand the difference and determine if any adjustment is necessary. The inputs are developed and substantiated on a quarterly basis, based on current borrower developments, market conditions and collateral values. The following method is used to value impaired loans: | ||||||||||||||||||||||||
• | The fair value of the collateral, which may take the form of real estate or personal property, is based on internal estimates, field observations, assessments provided by third-party appraisers and other valuation models. The Company performs or reaffirms valuations of collateral-dependent impaired loans at least annually. Adjustments are made if management believes that more recent information is available and relevant with respect to the fair value of the collateral. | |||||||||||||||||||||||
Real estate held for sale ("REO") - These assets are valued based on inputs such as appraisals and third-party price opinions, less estimated selling costs. Assets that are acquired through foreclosure are recorded initially at the lower of the loan balance or fair value at the date of foreclosure. After foreclosure, valuations are updated periodically, and current market conditions may require the assets to be written down further to a new cost basis. The following method is used to value real estate held for sale: | ||||||||||||||||||||||||
• | When a loan is reclassified from loan status to real estate held for sale due to the Company taking possession of the collateral, a Special Credits officer, along with the Special Credits manager, obtains a valuation, which may include a third-party appraisal, which is used to establish the fair value of the underlying collateral. The determined fair value net of selling costs, to the extent it does not exceed the carrying value of the loan, becomes the carrying value of the REO asset. In addition to the valuations from independent third-party sources, the carrying balance of REO assets are written down once a bona fide offer is contractually accepted, through execution of a Purchase and Sale Agreement, where the accepted price is lower than the current balance of the particular REO asset. The fair value of REO assets is re-evaluated quarterly and the REO asset is adjusted to reflect the lower of cost or fair value as necessary. | |||||||||||||||||||||||
Fair Values of Financial Instruments | ||||||||||||||||||||||||
U. S. GAAP requires disclosure of fair value information about financial instruments, whether or not recognized on the statement of financial condition, for which it is practicable to estimate those values. Certain financial instruments and all non-financial instruments are excluded from the disclosure requirements. Accordingly, the aggregate fair value estimates presented do not reflect the underlying fair value of the Company. Although management is not aware of any factors that would materially affect the estimated fair value amounts presented below, such amounts have not been comprehensively revalued for purposes of these financial statements since the dates shown, and therefore, estimates of fair value subsequent to those dates may differ significantly from the amounts presented below. | ||||||||||||||||||||||||
March 31, 2014 | September 30, 2013 | |||||||||||||||||||||||
Level in Fair Value Hierarchy | Carrying | Estimated | Carrying | Estimated | ||||||||||||||||||||
Amount | Fair Value | Amount | Fair Value | |||||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
Financial assets | ||||||||||||||||||||||||
Cash and cash equivalents | 1 | $ | 608,236 | $ | 608,236 | $ | 203,563 | $ | 203,563 | |||||||||||||||
Available-for-sale securities | ||||||||||||||||||||||||
Equity securities | 1 | 101,496 | 101,496 | 101,237 | 101,237 | |||||||||||||||||||
Obligations of U.S. government | 2 | 782,257 | 782,257 | 533,975 | 533,975 | |||||||||||||||||||
Obligations of states and political subdivisions | 2 | 22,912 | 22,912 | 22,545 | 22,545 | |||||||||||||||||||
Corporate debt securities | 2 | 434,570 | 434,570 | 452,015 | 452,015 | |||||||||||||||||||
Mortgage-backed securities | ||||||||||||||||||||||||
Agency pass-through certificates | 2 | 1,709,873 | 1,709,873 | 1,251,176 | 1,251,176 | |||||||||||||||||||
Other Commercial MBS | 2 | 59,467 | 59,467 | — | — | |||||||||||||||||||
Total available-for-sale securities | 3,110,575 | 3,110,575 | 2,360,948 | 2,360,948 | ||||||||||||||||||||
Held-to-maturity securities | 2 | |||||||||||||||||||||||
Total held-to-maturity securities | 1,611,303 | 1,527,531 | 1,654,666 | 1,582,849 | ||||||||||||||||||||
Loans receivable | 3 | 7,737,109 | 8,205,310 | 7,528,030 | 8,070,279 | |||||||||||||||||||
Covered loans | 3 | 229,605 | 233,275 | 295,947 | 300,610 | |||||||||||||||||||
FDIC indemnification asset | 3 | 53,289 | 52,408 | 64,615 | 62,300 | |||||||||||||||||||
FHLB and FRB stock | 2 | 167,174 | 167,174 | 173,009 | 173,009 | |||||||||||||||||||
Financial liabilities | ||||||||||||||||||||||||
Customer accounts | 2 | 10,344,891 | 9,720,995 | 9,090,271 | 8,585,068 | |||||||||||||||||||
FHLB advances and other borrowings | 2 | 1,930,000 | 2,056,430 | 1,930,000 | 2,064,248 | |||||||||||||||||||
The following methods and assumptions were used to estimate the fair value of financial instruments: | ||||||||||||||||||||||||
Cash and cash equivalents – The carrying amount of these items is a reasonable estimate of their fair value. | ||||||||||||||||||||||||
Available-for-sale securities and held-to-maturity securities – Securities at fair value are primarily priced using model pricing based on the securities' relationship to other benchmark quoted prices as provided by an independent third party, and under the provisions of the Fair Value Measurements and Disclosures topic of the FASB Accounting Standards Codification are considered a Level 2 input method. Equity securities which are exchange traded are considered a Level 1 input method. | ||||||||||||||||||||||||
Loans receivable and covered loans – For certain homogeneous categories of loans, such as fixed- and variable-rate residential mortgages, fair value is estimated for securities backed by similar loans, adjusted for differences in loan characteristics, using the same methodology described above for AFS and HTM securities. The fair value of other loan types is estimated by discounting the future cash flows and estimated prepayments using the current rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining term. Some loan types were valued at carrying value because of their floating rate or expected maturity characteristics. Net deferred loan fees are not included in the fair value calculation but are included in the carrying amount. | ||||||||||||||||||||||||
FDIC indemnification asset – The fair value of the indemnification asset is estimated by discounting the expected future cash flows using the current rates. | ||||||||||||||||||||||||
FHLB stock – The fair value is based upon the par value of the stock which equates to its carrying value. | ||||||||||||||||||||||||
Customer accounts – The fair value of demand deposits, savings accounts, and money market accounts is the amount payable on demand at the reporting date. The fair value of fixed-maturity certificates of deposit is estimated by discounting the estimated future cash flows using the rates currently offered for deposits with similar remaining maturities. | ||||||||||||||||||||||||
FHLB advances and other borrowings – The fair value of FHLB advances and other borrowings is estimated by discounting the estimated future cash flows using rates currently available to the Company for debt with similar remaining maturities. | ||||||||||||||||||||||||
The following tables provide a reconciliation of amortized cost to fair value of available-for-sale and held-to-maturity securities as of March 31, 2014 and September 30, 2013: | ||||||||||||||||||||||||
March 31, 2014 | ||||||||||||||||||||||||
Amortized | Gross Unrealized | Fair | Yield | |||||||||||||||||||||
Cost | Gains | Losses | Value | |||||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
Available-for-sale securities | ||||||||||||||||||||||||
U.S. government and agency securities due | ||||||||||||||||||||||||
1 to 5 years | $ | 111,002 | $ | 2,933 | $ | (1,035 | ) | $ | 112,900 | 1.58 | ||||||||||||||
5 to 10 years | 143,562 | 863 | (244 | ) | 144,181 | 1.55 | ||||||||||||||||||
Over 10 years | 524,826 | 1,284 | (934 | ) | 525,176 | 1.51 | ||||||||||||||||||
Equity Securities | ||||||||||||||||||||||||
Within 1 year | 500 | 6 | — | 506 | 2.17 | |||||||||||||||||||
1 to 5 years | 100,000 | 990 | — | 100,990 | 1.8 | |||||||||||||||||||
5 to 10 years | — | — | — | — | — | |||||||||||||||||||
Corporate bonds due | ||||||||||||||||||||||||
Within 1 year | — | — | — | — | — | |||||||||||||||||||
1 to 5 years | 317,365 | 2,785 | — | 320,150 | 0.75 | |||||||||||||||||||
5 to 10 years | 113,130 | 1,465 | (175 | ) | 114,420 | 1.53 | ||||||||||||||||||
Municipal bonds due | ||||||||||||||||||||||||
Over 10 years | 20,412 | 2,500 | — | 22,912 | 6.45 | |||||||||||||||||||
Mortgage-backed securities | ||||||||||||||||||||||||
Agency pass-through certificates | 1,703,893 | 10,746 | (4,766 | ) | 1,709,873 | 2.59 | ||||||||||||||||||
Other Commercial MBS | 59,300 | 167 | — | 59,467 | 1.69 | |||||||||||||||||||
3,093,990 | 23,739 | (7,154 | ) | 3,110,575 | 2.09 | |||||||||||||||||||
Held-to-maturity securities | ||||||||||||||||||||||||
Mortgage-backed securities | ||||||||||||||||||||||||
Agency pass-through certificates | 1,611,303 | 1,619 | (85,391 | ) | 1,527,531 | 3.13 | ||||||||||||||||||
$ | 4,705,293 | $ | 25,358 | $ | (92,545 | ) | $ | 4,638,106 | 2.44 | % | ||||||||||||||
September 30, 2013 | ||||||||||||||||||||||||
Amortized | Gross Unrealized | Fair | Yield | |||||||||||||||||||||
Cost | Gains | Losses | Value | |||||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
Available-for-sale securities | ||||||||||||||||||||||||
U.S. government and agency securities due | ||||||||||||||||||||||||
1 to 5 years | $ | 61,002 | $ | 3,393 | $ | (252 | ) | $ | 64,143 | 1.98 | ||||||||||||||
5 to 10 years | 129,219 | — | (1,547 | ) | 127,672 | 0.86 | ||||||||||||||||||
Over 10 years | 344,571 | — | (2,411 | ) | 342,160 | 0.93 | ||||||||||||||||||
Equity Securities | ||||||||||||||||||||||||
1 to 5 years | 500 | 11 | — | 511 | 2.17 | |||||||||||||||||||
5 to 10 years | 100,000 | 726 | — | 100,726 | 1.8 | |||||||||||||||||||
Corporate bonds due | ||||||||||||||||||||||||
Within 1 year | 19,500 | 3 | — | 19,503 | 0.49 | |||||||||||||||||||
1 to 5 years | 317,190 | 1,980 | (130 | ) | 319,040 | 0.75 | ||||||||||||||||||
5 to 10 years | 113,060 | 1,180 | (768 | ) | 113,472 | 1.53 | ||||||||||||||||||
Municipal bonds due | ||||||||||||||||||||||||
Over 10 years | 20,422 | 2,123 | — | 22,545 | 6.45 | |||||||||||||||||||
Mortgage-backed securities | ||||||||||||||||||||||||
Agency pass-through certificates | 1,245,400 | 10,270 | (4,494 | ) | 1,251,176 | 2.18 | ||||||||||||||||||
2,350,864 | 19,686 | (9,602 | ) | 2,360,948 | 1.7 | |||||||||||||||||||
Mortgage-backed securities | ||||||||||||||||||||||||
Agency pass-through certificates | 1,654,666 | 3,387 | (75,204 | ) | 1,582,849 | 3.14 | ||||||||||||||||||
$ | 4,005,530 | $ | 23,073 | $ | (84,806 | ) | $ | 3,943,797 | 2.3 | % | ||||||||||||||
During the quarter ended March 31, 2014, there were no available-for-sale securities sold. There were $43,199,000 of available-for-sale securities sold during the quarter ended March 31, 2013, resulting in a gain of $0. These securities were acquired from South Valley Bank and sold on the same day. Substantially all mortgage-backed securities have contractual due dates that exceed 10 years. | ||||||||||||||||||||||||
The following tables indicate the total unrealized gross losses in the securities portfolio (shown above). The unrealized gross losses and fair value of securities as of March 31, 2014 and September 30, 2013 are also shown by the length of time that individual securities in each category have been in a continuous loss position. Management believes that the declines in fair value of these investments are not an other than temporary impairment. | ||||||||||||||||||||||||
31-Mar-14 | Less than 12 months | 12 months or more | Total | |||||||||||||||||||||
Unrealized | Fair | Unrealized | Fair | Unrealized | Fair | |||||||||||||||||||
Gross Losses | Value | Gross Losses | Value | Gross Losses | Value | |||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
Corporate bonds due | $ | (100 | ) | $ | 49,900 | $ | (76 | ) | $ | 9,925 | $ | (176 | ) | $ | 59,825 | |||||||||
U.S. government and agency securities due | (2,158 | ) | 256,389 | (55 | ) | 12,083 | (2,213 | ) | 268,472 | |||||||||||||||
Agency pass-through certificates | (37,918 | ) | 1,112,954 | (52,238 | ) | 934,305 | (90,156 | ) | 2,047,259 | |||||||||||||||
$ | (40,176 | ) | $ | 1,419,243 | $ | (52,369 | ) | $ | 956,313 | $ | (92,545 | ) | $ | 2,375,556 | ||||||||||
30-Sep-13 | Less than 12 months | 12 months or more | Total | |||||||||||||||||||||
Unrealized | Fair | Unrealized | Fair | Unrealized | Fair | |||||||||||||||||||
Gross Losses | Value | Gross Losses | Value | Gross Losses | Value | |||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
Corporate bonds due | $ | (660 | ) | $ | 52,434 | $ | (238 | ) | $ | 9,763 | $ | (898 | ) | $ | 62,197 | |||||||||
U.S. government and agency securities due | (4,144 | ) | 309,109 | (66 | ) | 14,091 | (4,210 | ) | 323,200 | |||||||||||||||
Agency pass-through certificates | (78,291 | ) | 1,703,948 | (1,407 | ) | 166,503 | (79,698 | ) | 1,870,451 | |||||||||||||||
$ | (83,095 | ) | $ | 2,065,491 | $ | (1,711 | ) | $ | 190,357 | $ | (84,806 | ) | $ | 2,255,848 | ||||||||||
Covered_Assets
Covered Assets | 6 Months Ended | ||||||||||||||||||||||||||
Mar. 31, 2014 | |||||||||||||||||||||||||||
Covered Assets [Abstract] | ' | ||||||||||||||||||||||||||
Covered Assets | ' | ||||||||||||||||||||||||||
Covered Assets | |||||||||||||||||||||||||||
Covered assets represent loans and real estate held for sale acquired from the FDIC that are subject to loss sharing agreements and were $252,610,000 as of March 31, 2014, versus $326,927,000 as of September 30, 2013. | |||||||||||||||||||||||||||
Changes in the net carrying amount and accretable yield for acquired impaired and non-impaired covered loans for the year to date period ended March 31, 2014 and the fiscal year ended September 30, 2013 were as follows: | |||||||||||||||||||||||||||
March 31, 2014 | Acquired Impaired | Acquired Non-impaired | |||||||||||||||||||||||||
Accretable | Net Carrying | Accretable | Net Carrying | ||||||||||||||||||||||||
Yield | Amount of | Yield | Amount of | ||||||||||||||||||||||||
Loans | Loans | ||||||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Balance at beginning of period | $ | 78,277 | $ | 138,091 | $ | 17,263 | $ | 157,856 | |||||||||||||||||||
Reclassification from nonaccretable balance, net (1) | 5,885 | (2,069 | ) | — | — | ||||||||||||||||||||||
Accretion | (15,655 | ) | 15,655 | (3,475 | ) | 3,475 | |||||||||||||||||||||
Transfers to REO | — | (678 | ) | — | — | ||||||||||||||||||||||
Payments received, net | — | (50,394 | ) | — | (32,331 | ) | |||||||||||||||||||||
Balance at end of period | $ | 68,507 | $ | 100,605 | $ | 13,788 | $ | 129,000 | |||||||||||||||||||
(1) reclassification due to improvements/impairments in expected cash flows of the underlying pools. | |||||||||||||||||||||||||||
30-Sep-13 | Acquired Impaired | Acquired Non-impaired | |||||||||||||||||||||||||
Accretable | Net Carrying | Accretable | Carrying | ||||||||||||||||||||||||
Yield | Amount of | Yield | Amount of | ||||||||||||||||||||||||
Loans | Loans | ||||||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Balance at beginning of period | $ | 50,902 | $ | 74,953 | $ | 23,789 | $ | 213,423 | |||||||||||||||||||
Additions (1) | 43,299 | 107,946 | — | — | |||||||||||||||||||||||
Reclassification from nonaccretable balance, net (2) | 17,850 | — | — | — | |||||||||||||||||||||||
Accretion | (33,774 | ) | 33,774 | (6,526 | ) | 6,526 | |||||||||||||||||||||
Transfers to REO | — | (11,196 | ) | — | — | ||||||||||||||||||||||
Payments received, net | — | (67,386 | ) | — | (62,093 | ) | |||||||||||||||||||||
Balance at end of period | $ | 78,277 | $ | 138,091 | $ | 17,263 | $ | 157,856 | |||||||||||||||||||
(1) includes FDIC covered loans which were acquired as part of the South Valley Bank acquisition. | |||||||||||||||||||||||||||
(2) reclassification due to improvements/impairments in expected cash flows of the underlying pools. | |||||||||||||||||||||||||||
At March 31, 2014, none of the acquired impaired or non-impaired covered loans were classified as non-performing assets. Therefore, interest income, through accretion of the difference between the carrying amount of the loans and the expected cash flows, was recognized on all acquired loans. The allowance for credit losses related to the acquired loans results from decreased expectations of future cash flows due to increased credit losses for certain acquired loan pools. | |||||||||||||||||||||||||||
The outstanding principal balance of acquired covered loans was $285,769,000 and $362,248,000 as of March 31, 2014 and September 30, 2013, respectively. The discount balance related to the acquired covered loans was $54,095,000 and $66,301,000 as of March 31, 2014 and September 30, 2013, respectively. | |||||||||||||||||||||||||||
The following table shows the year to date activity for the FDIC indemnification asset: | |||||||||||||||||||||||||||
March 31, 2014 | September 30, 2013 | ||||||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Balance at beginning of fiscal year 2014 and 2013 | $ | 64,615 | $ | 87,571 | |||||||||||||||||||||||
Additions (1) | 1,896 | 18,101 | |||||||||||||||||||||||||
Payments made (received) | (1,629 | ) | (13,421 | ) | |||||||||||||||||||||||
Amortization | (12,007 | ) | (28,722 | ) | |||||||||||||||||||||||
Accretion | 414 | 1,086 | |||||||||||||||||||||||||
Balance at end of period | $ | 53,289 | $ | 64,615 | |||||||||||||||||||||||
(1) Includes FDIC covered loans which were acquired as part of the South Valley Bank acquisition in 2013. | |||||||||||||||||||||||||||
The following tables provide information on covered loans based on credit quality indicators (defined in Note E ) as of March 31, 2014 and September 30, 2013: | |||||||||||||||||||||||||||
March 31, 2014 | Internally Assigned Grade | Total | |||||||||||||||||||||||||
Pass | Special mention | Substandard | Doubtful | Loss | Net Loans | ||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Acquired non-impaired loans: | |||||||||||||||||||||||||||
Single-family residential | $ | 23,060 | $ | — | $ | 2,462 | $ | — | $ | — | $ | 25,522 | |||||||||||||||
Construction - speculative | — | — | — | — | — | — | |||||||||||||||||||||
Construction - custom | — | — | — | — | — | — | |||||||||||||||||||||
Land - acquisition & development | 2,267 | — | 716 | — | — | 2,983 | |||||||||||||||||||||
Land - consumer lot loans | 74 | — | 34 | — | — | 108 | |||||||||||||||||||||
Multi-family | 16,814 | — | — | — | — | 16,814 | |||||||||||||||||||||
Commercial real estate | 40,675 | 157 | 26,854 | — | — | 67,686 | |||||||||||||||||||||
Commercial & industrial | 4,041 | — | 3,226 | — | — | 7,267 | |||||||||||||||||||||
HELOC | 13,294 | — | 39 | — | — | 13,333 | |||||||||||||||||||||
Consumer | 534 | — | — | — | — | 534 | |||||||||||||||||||||
100,759 | 157 | 33,331 | — | — | 134,247 | ||||||||||||||||||||||
Total grade as a % of total net loans | 75.1 | % | 0.1 | % | 24.8 | % | — | % | — | % | |||||||||||||||||
Acquired credit-impaired loans: | |||||||||||||||||||||||||||
Pool 1 - Construction and land A&D | 14,266 | — | 24,493 | — | — | 38,759 | |||||||||||||||||||||
Pool 2 - Single-family residential | 19,010 | — | 982 | — | — | 19,992 | |||||||||||||||||||||
Pool 3 - Multi-family | 55 | — | 1,026 | — | — | 1,081 | |||||||||||||||||||||
Pool 4 - HELOC & other consumer | 3,338 | — | 2,289 | — | — | 5,627 | |||||||||||||||||||||
Pool 5 - Commercial real estate | 36,352 | 3,992 | 36,528 | — | — | 76,872 | |||||||||||||||||||||
Pool 6 - Commercial & industrial | 4,977 | 437 | 3,235 | 542 | — | 9,191 | |||||||||||||||||||||
$ | 77,998 | $ | 4,429 | $ | 68,553 | $ | 542 | $ | — | 151,522 | |||||||||||||||||
Total covered loans | 285,769 | ||||||||||||||||||||||||||
Discount | (54,095 | ) | |||||||||||||||||||||||||
Allowance | (2,069 | ) | |||||||||||||||||||||||||
Covered loans, net | $ | 229,605 | |||||||||||||||||||||||||
September 30, 2013 | Internally Assigned Grade | Total | |||||||||||||||||||||||||
Pass | Special mention | Substandard | Doubtful | Loss | Net Loans | ||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Acquired non-impaired loans: | |||||||||||||||||||||||||||
Single-family residential | $ | 26,426 | $ | — | $ | 2,034 | $ | — | $ | — | $ | 28,460 | |||||||||||||||
Construction - speculative | — | — | — | — | — | — | |||||||||||||||||||||
Construction - custom | — | — | — | — | — | — | |||||||||||||||||||||
Land - acquisition & development | 3,069 | 1,019 | 722 | — | — | 4,810 | |||||||||||||||||||||
Land - consumer lot loans | 245 | — | — | — | — | 245 | |||||||||||||||||||||
Multi-family | 17,217 | — | 1,635 | — | — | 18,852 | |||||||||||||||||||||
Commercial real estate | 56,120 | 9,235 | 24,144 | — | — | 89,499 | |||||||||||||||||||||
Commercial & industrial | 5,175 | 500 | 3,741 | — | — | 9,416 | |||||||||||||||||||||
HELOC | 14,750 | — | — | — | — | 14,750 | |||||||||||||||||||||
Consumer | 604 | — | — | — | — | 604 | |||||||||||||||||||||
123,606 | 10,754 | 32,276 | — | — | 166,636 | ||||||||||||||||||||||
Total grade as a % of total net loans | 74.2 | % | 6.4 | % | 19.4 | % | — | % | — | % | |||||||||||||||||
Acquired credit-impaired loans: | |||||||||||||||||||||||||||
Pool 1 - Construction and land A&D | 14,361 | 4,296 | 25,363 | — | — | 44,020 | |||||||||||||||||||||
Pool 2 - Single-family residential | 21,541 | — | — | — | — | 21,541 | |||||||||||||||||||||
Pool 3 - Multi-family | 4,131 | — | 1,100 | — | — | 5,231 | |||||||||||||||||||||
Pool 4 - HELOC & other consumer | 4,111 | — | 1,880 | — | — | 5,991 | |||||||||||||||||||||
Pool 5 - Commercial real estate | 36,494 | 15,113 | 53,946 | — | — | 105,553 | |||||||||||||||||||||
Pool 6 - Commercial & industrial | 4,265 | 204 | 8,807 | — | — | 13,276 | |||||||||||||||||||||
$ | 84,903 | $ | 19,613 | $ | 91,096 | $ | — | $ | — | 195,612 | |||||||||||||||||
Total covered loans | 362,248 | ||||||||||||||||||||||||||
Discount | (66,301 | ) | |||||||||||||||||||||||||
Allowance | — | ||||||||||||||||||||||||||
Covered loans, net | $ | 295,947 | |||||||||||||||||||||||||
The following tables provide an analysis of the age of acquired non credit-impaired covered loans in past due status as of March 31, 2014 and September 30, 2013: | |||||||||||||||||||||||||||
March 31, 2014 | Amount of Loans | Days Delinquent Based on $ Amount of Loans | % based | ||||||||||||||||||||||||
Type of Loans | Net of LIP & Chg.-Offs | Current | 30 | 60 | 90 | Total | on $ | ||||||||||||||||||||
Single-Family Residential | $ | 25,522 | $ | 23,543 | $ | 281 | $ | 63 | $ | 1,635 | $ | 1,979 | 7.75 | % | |||||||||||||
Construction - Speculative | — | — | — | — | — | — | NM | ||||||||||||||||||||
Construction - Custom | — | — | — | — | — | — | NM | ||||||||||||||||||||
Land - Acquisition & Development | 2,983 | 2,947 | — | — | 36 | 36 | 1.21 | ||||||||||||||||||||
Land - Consumer Lot Loans | 108 | 74 | — | — | 34 | 34 | 31.48 | ||||||||||||||||||||
Multi-Family | 16,814 | 16,814 | — | — | — | — | — | ||||||||||||||||||||
Commercial Real Estate | 67,686 | 66,136 | — | — | 1,550 | 1,550 | 2.29 | ||||||||||||||||||||
Commercial & Industrial | 7,267 | 7,173 | — | — | 94 | 94 | 1.29 | ||||||||||||||||||||
HELOC | 13,333 | 13,294 | — | — | 39 | 39 | 0.29 | ||||||||||||||||||||
Consumer | 534 | 534 | — | — | — | — | — | ||||||||||||||||||||
$ | 134,247 | $ | 130,515 | $ | 281 | $ | 63 | $ | 3,388 | $ | 3,732 | 2.78 | % | ||||||||||||||
September 30, 2013 | Amount of Loans | Days Delinquent Based on $ Amount of Loans | % based | ||||||||||||||||||||||||
Type of Loans | Net of LIP & Chg.-Offs | Current | 30 | 60 | 90 | Total | on $ | ||||||||||||||||||||
Single-Family Residential | $ | 28,460 | $ | 27,411 | $ | 78 | $ | — | $ | 971 | $ | 1,049 | 3.69 | % | |||||||||||||
Construction - Speculative | — | — | — | — | — | — | NM | ||||||||||||||||||||
Construction - Custom | — | — | — | — | — | — | NM | ||||||||||||||||||||
Land - Acquisition & Development | 4,810 | 4,774 | — | — | 36 | 36 | 0.75 | ||||||||||||||||||||
Land - Consumer Lot Loans | 245 | 199 | — | — | 46 | 46 | 18.78 | ||||||||||||||||||||
Multi-Family | 18,852 | 17,511 | — | — | 1,341 | 1,341 | 7.11 | ||||||||||||||||||||
Commercial Real Estate | 89,499 | 84,949 | 2,779 | 455 | 1,316 | 4,550 | 5.08 | ||||||||||||||||||||
Commercial & Industrial | 9,416 | 9,416 | — | — | — | — | — | ||||||||||||||||||||
HELOC | 14,750 | 14,334 | 103 | 74 | 239 | 416 | 2.82 | ||||||||||||||||||||
Consumer | 604 | 601 | 3 | — | — | 3 | 0.5 | ||||||||||||||||||||
$ | 166,636 | $ | 159,195 | $ | 2,963 | $ | 529 | $ | 3,949 | $ | 7,441 | 4.47 | % | ||||||||||||||
NM - not meaningful |
Derivatives_and_Hedging_Activi
Derivatives and Hedging Activities | 6 Months Ended | ||||||||||||||||||||||||
Mar. 31, 2014 | |||||||||||||||||||||||||
Derivative Instruments and Hedging Activities Disclosure [Abstract] | ' | ||||||||||||||||||||||||
Derivatives and Hedging Activities | ' | ||||||||||||||||||||||||
Derivatives and Hedging Activities | |||||||||||||||||||||||||
The Company periodically enters into certain commercial loan interest rate swap agreements in order to provide commercial loan customers the ability to convert from variable to fixed interest rate payments, while the bank retains a variable rate loan. Under these agreements, the Company enters into a variable rate loan agreement and a swap agreement with the client. The swap agreement effectively converts the client’s variable rate loan into a fixed rate. The Company enters into a corresponding swap agreement with a third party in order to offset its exposure on the variable and fixed components of the client's swap agreement. The interest rate swap agreements with the clients and third parties are not designated as hedges under ASC 815, the Derivatives and Hedging topic; the instruments are marked to market in earnings. | |||||||||||||||||||||||||
The notional amount of open interest rate swap agreements at March 31, 2014 was $110,462,000 compared to $83,594,000 as of September 30, 2013. There was no impact to the statement of operations for the six-months ended March 31, 2014 as the asset and liability side of the swaps offset each other. The fee income related to swaps was $273,200 for the six months ended March 31, 2014. | |||||||||||||||||||||||||
The Company periodically enters into forward contracts to purchase mortgage-backed securities as part of its interest rate risk management program. The notional amount of commitments to purchase mortgage-backed securities at March 31, 2014 was $0 and at September 30, 2013 was $200,000,000. When there is a balance, the fair value of these contracts is included with the available-for-sale securities on the statement of financial condition. | |||||||||||||||||||||||||
The following table presents the fair value and balance sheet classification of derivatives not designated as hedging instruments at March 31, 2014 and September 30, 2013: | |||||||||||||||||||||||||
Asset Derivatives | Liability Derivatives | ||||||||||||||||||||||||
March 31, 2014 | September 30, 2013 | March 31, 2014 | September 30, 2013 | ||||||||||||||||||||||
Balance Sheet | Balance Sheet | Balance Sheet | Balance Sheet | ||||||||||||||||||||||
Location | Fair Value | Location | Fair Value | Location | Fair Value | Location | Fair Value | ||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||
Interest rate contracts | Other assets | $ | 322 | Other assets | $ | 7 | Other liabilities | $ | 322 | Other liabilities | $ | 7 | |||||||||||||
Commitments to purchase MBS | AFS securities | — | AFS securities | $ | 3,188 | N/A | N/A | N/A | N/A | ||||||||||||||||
Subsequent_Events
Subsequent Events | 6 Months Ended |
Mar. 31, 2014 | |
Subsequent Events [Abstract] | ' |
Subsequent Events | ' |
Subsequent Events | |
Branch acquisition | |
Upon the receipt of regulatory approvals and the completion of closing conditions, on May 2, 2014, the Bank completed its previously announced acquisition of 23 branches, located in Arizona and Nevada, from Bank of America, National Association. | |
The 98,000 deposit accounts acquired totaled $539 million, which is $71 million less than the $610 million that was forecasted. As a result of the decrease in deposits prior to closing, the purchase and sale contract adjusted the deposit premium from 1.30% of deposits to .50% of deposits. The deposit premium paid amounted to $2.7 million. The acquisition also provided $5 million of loans, $11 million in branch properties and equipment, and $523 million in cash from the transaction. |
Summary_of_Significant_Account1
Summary of Significant Accounting Policies (Policies) | 6 Months Ended |
Mar. 31, 2014 | |
Accounting Policies [Abstract] | ' |
Off-Balance-Sheet Credit Exposures | ' |
The Company estimates losses on off-balance-sheet credit exposures by including the exposures with the related principal balance outstanding and then applying its general reserve methodology. |
Acquisitions_Tables
Acquisitions (Tables) | 6 Months Ended | ||||
Mar. 31, 2014 | |||||
Business Combinations [Abstract] | ' | ||||
Schedule of Net Liabilities Acquired | ' | ||||
The table below displays the adjusted fair value as of the acquisition date for each major class of assets acquired and liabilities assumed: | |||||
Adjusted Fair Value Recorded by | |||||
Washington Federal | |||||
(In thousands) | |||||
Assets: | |||||
Cash | $ | 1,254,517 | |||
Loans receivable, net | 8,278 | ||||
Property and equipment, net | 17,388 | ||||
Core deposit intangible | 8,145 | ||||
Goodwill | 29,300 | ||||
Total Assets | 1,317,628 | ||||
Liabilities: | |||||
Customer accounts | 1,314,478 | ||||
Other liabilities | 3,150 | ||||
Total Liabilities | 1,317,628 | ||||
Net assets acquired | $ | — | |||
Loans_Receivable_excluding_Cov1
Loans Receivable (excluding Covered Loans) (Tables) | 6 Months Ended | ||||||||||||||||||||||||||
Mar. 31, 2014 | |||||||||||||||||||||||||||
Receivables [Abstract] | ' | ||||||||||||||||||||||||||
Schedule of Loans Receivable (excluding Covered Loans) | ' | ||||||||||||||||||||||||||
March 31, 2014 | September 30, 2013 | ||||||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Non-acquired loans | |||||||||||||||||||||||||||
Single-family residential | $ | 5,448,587 | 66.5 | % | $ | 5,359,149 | 67.1 | % | |||||||||||||||||||
Construction - speculative | 135,001 | 1.7 | 130,778 | 1.6 | |||||||||||||||||||||||
Construction - custom | 354,279 | 4.3 | 302,722 | 3.8 | |||||||||||||||||||||||
Land - acquisition & development | 74,155 | 0.9 | 77,775 | 1.1 | |||||||||||||||||||||||
Land - consumer lot loans | 113,623 | 1.3 | 121,671 | 1.5 | |||||||||||||||||||||||
Multi-family | 866,097 | 10.6 | 831,684 | 10.4 | |||||||||||||||||||||||
Commercial real estate | 454,246 | 5.6 | 414,961 | 5.1 | |||||||||||||||||||||||
Commercial & industrial | 277,109 | 3.4 | 243,199 | 3 | |||||||||||||||||||||||
HELOC | 112,549 | 1.4 | 112,186 | 1.4 | |||||||||||||||||||||||
Consumer | 41,339 | 0.5 | 47,141 | 0.6 | |||||||||||||||||||||||
Total non-acquired loans | 7,876,985 | 96.2 | 7,641,266 | 95.6 | |||||||||||||||||||||||
Non-impaired acquired loans | |||||||||||||||||||||||||||
Single-family residential | 13,177 | 0.2 | 14,468 | 0.2 | |||||||||||||||||||||||
Construction - speculative | — | — | — | — | |||||||||||||||||||||||
Construction - custom | — | — | — | — | |||||||||||||||||||||||
Land - acquisition & development | 1,135 | — | 1,489 | — | |||||||||||||||||||||||
Land - consumer lot loans | 3,241 | 0.1 | 3,313 | — | |||||||||||||||||||||||
Multi-family | 3,538 | — | 3,914 | 0.1 | |||||||||||||||||||||||
Commercial real estate | 112,089 | 1.3 | 133,423 | 1.7 | |||||||||||||||||||||||
Commercial & industrial | 69,872 | 0.9 | 75,326 | 0.9 | |||||||||||||||||||||||
HELOC | 8,624 | 0.1 | 10,179 | 0.1 | |||||||||||||||||||||||
Consumer | 6,842 | 0.1 | 8,267 | 0.1 | |||||||||||||||||||||||
Total acquired loans | 218,518 | 2.7 | 250,379 | 3.1 | |||||||||||||||||||||||
Credit-impaired acquired loans | |||||||||||||||||||||||||||
Single-family residential | 329 | — | 333 | — | |||||||||||||||||||||||
Construction - speculative | — | — | — | — | |||||||||||||||||||||||
Land - acquisition & development | 1,759 | — | 2,396 | — | |||||||||||||||||||||||
Multi-family | — | — | — | — | |||||||||||||||||||||||
Commercial real estate | 68,122 | 0.9 | 76,909 | 1.1 | |||||||||||||||||||||||
Commercial & industrial | 4,724 | 0.1 | 7,925 | 0.1 | |||||||||||||||||||||||
HELOC | 10,679 | 0.1 | 11,266 | 0.1 | |||||||||||||||||||||||
Consumer | 58 | — | 71 | — | |||||||||||||||||||||||
Total credit-impaired acquired loans | 85,671 | 1.1 | 98,900 | 1.3 | |||||||||||||||||||||||
Total loans | |||||||||||||||||||||||||||
Single-family residential | 5,462,093 | 66.7 | 5,373,950 | 67.3 | |||||||||||||||||||||||
Construction - speculative | 135,001 | 1.7 | 130,778 | 1.6 | |||||||||||||||||||||||
Construction - custom | 354,279 | 4.3 | 302,722 | 3.8 | |||||||||||||||||||||||
Land - acquisition & development | 77,049 | 0.9 | 81,660 | 1.1 | |||||||||||||||||||||||
Land - consumer lot loans | 116,864 | 1.4 | 124,984 | 1.5 | |||||||||||||||||||||||
Multi-family | 869,635 | 10.6 | 835,598 | 10.5 | |||||||||||||||||||||||
Commercial real estate | 634,457 | 7.8 | 625,293 | 7.9 | |||||||||||||||||||||||
Commercial & industrial | 351,705 | 4.4 | 326,450 | 4 | |||||||||||||||||||||||
HELOC | 131,852 | 1.6 | 133,631 | 1.6 | |||||||||||||||||||||||
Consumer | 48,239 | 0.6 | 55,479 | 0.7 | |||||||||||||||||||||||
Total Loans | 8,181,174 | 100 | % | 7,990,545 | 100 | % | |||||||||||||||||||||
Less: | |||||||||||||||||||||||||||
Allowance for probable losses | 114,931 | 116,741 | |||||||||||||||||||||||||
Loans in process | 264,946 | 275,577 | |||||||||||||||||||||||||
Discount on acquired loans | 29,286 | 34,143 | |||||||||||||||||||||||||
Deferred net origination fees | 34,902 | 36,054 | |||||||||||||||||||||||||
444,065 | 462,515 | ||||||||||||||||||||||||||
$ | 7,737,109 | $ | 7,528,030 | ||||||||||||||||||||||||
Schedule of Changes in the Accretable Yield for Credit Impaired Acquired Loans | ' | ||||||||||||||||||||||||||
Changes in the carrying amount and accretable yield for acquired non-impaired and credit-impaired loans (excluding covered loans) for the six months ended March 31, 2014 and the fiscal year ended September 30, 2013 were as follows: | |||||||||||||||||||||||||||
March 31, 2014 | Acquired Impaired | Acquired Non-impaired | |||||||||||||||||||||||||
Accretable | Net Carrying | Accretable | Carrying | ||||||||||||||||||||||||
Yield | Amount of | Yield | Amount of | ||||||||||||||||||||||||
Loans | Loans | ||||||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Balance as of beginning of period | $ | 37,236 | $ | 69,718 | $ | 4,977 | $ | 245,373 | |||||||||||||||||||
Reclassification from nonaccretable balance, net (1) | 7,300 | — | — | — | |||||||||||||||||||||||
Accretion | (5,838 | ) | 5,838 | (606 | ) | 606 | |||||||||||||||||||||
Transfers to REO | — | (1,188 | ) | — | (1,278 | ) | |||||||||||||||||||||
Payments received, net | — | (13,620 | ) | — | (30,565 | ) | |||||||||||||||||||||
Balance as of end of period | $ | 38,698 | $ | 60,748 | $ | 4,371 | $ | 214,136 | |||||||||||||||||||
(1) reclassification due to improvements in expected cash flows of the underlying loans. | |||||||||||||||||||||||||||
September 30, 2013 | Acquired Impaired | Acquired Non-impaired | |||||||||||||||||||||||||
Accretable | Net Carrying | Accretable | Carrying | ||||||||||||||||||||||||
Yield | Amount of | Yield | Amount of | ||||||||||||||||||||||||
Loans | Loans | ||||||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Balance as of beginning of period | $ | 16,928 | $ | 77,613 | $ | — | $ | — | |||||||||||||||||||
Reclassification from nonaccretable balance, net (1) | 30,026 | — | — | — | |||||||||||||||||||||||
Additions (2) | — | 9,865 | 10,804 | 351,335 | |||||||||||||||||||||||
Accretion | (9,718 | ) | 9,718 | (5,827 | ) | 5,827 | |||||||||||||||||||||
Transfers to REO | — | (3,975 | ) | — | (7,755 | ) | |||||||||||||||||||||
Payments received, net | — | (23,503 | ) | — | (104,034 | ) | |||||||||||||||||||||
Balance as of end of period | $ | 37,236 | $ | 69,718 | $ | 4,977 | $ | 245,373 | |||||||||||||||||||
(1) reclassification due to improvements in expected cash flows of the underlying loans. | |||||||||||||||||||||||||||
(2) includes acquired loans which were acquired as part of the South Valley Bank acquisition. | |||||||||||||||||||||||||||
Summary of Information Regarding Non-Accrual Loans | ' | ||||||||||||||||||||||||||
The following table sets forth information regarding non-accrual loans (excluding covered loans) held by the Company as of the dates indicated: | |||||||||||||||||||||||||||
March 31, 2014 | September 30, 2013 | ||||||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Non-accrual loans: | |||||||||||||||||||||||||||
Single-family residential | $ | 81,740 | 81.6 | % | $ | 100,460 | 76.5 | % | |||||||||||||||||||
Construction - speculative | 2,132 | 2.1 | 4,560 | 3.5 | |||||||||||||||||||||||
Construction - custom | 265 | 0.3 | — | — | |||||||||||||||||||||||
Land - acquisition & development | 2,113 | 2.1 | 2,903 | 2.2 | |||||||||||||||||||||||
Land - consumer lot loans | 3,007 | 3 | 3,337 | 2.5 | |||||||||||||||||||||||
Multi-family | 2,199 | 2.2 | 6,573 | 5 | |||||||||||||||||||||||
Commercial real estate | 7,101 | 7.1 | 11,736 | 8.9 | |||||||||||||||||||||||
Commercial & industrial | 579 | 0.6 | 477 | 0.4 | |||||||||||||||||||||||
HELOC | 441 | 0.4 | 263 | 0.2 | |||||||||||||||||||||||
Consumer | 621 | 0.6 | 990 | 0.8 | |||||||||||||||||||||||
Total non-accrual loans | $ | 100,198 | 100 | % | $ | 131,299 | 100 | % | |||||||||||||||||||
Analysis of Age of Loans in Past Due Status | ' | ||||||||||||||||||||||||||
The following tables provide an analysis of the age of loans (excluding covered loans) in past due status as of March 31, 2014 and September 30, 2013, respectively. These balances are net of LIP and charge-offs only. | |||||||||||||||||||||||||||
31-Mar-14 | Amount of Loans | Days Delinquent Based on $ Amount of Loans | % based | ||||||||||||||||||||||||
Type of Loan | Net of LIP & Chg.-Offs | Current | 30 | 60 | 90 | Total | on $ | ||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Non-acquired loans | |||||||||||||||||||||||||||
Single-Family Residential | $ | 5,445,950 | $ | 5,343,076 | $ | 27,559 | $ | 11,275 | $ | 64,040 | $ | 102,874 | 1.89 | % | |||||||||||||
Construction - Speculative | 88,954 | 88,124 | 196 | — | 634 | 830 | 0.93 | ||||||||||||||||||||
Construction - Custom | 178,099 | 176,624 | 1,210 | — | 265 | 1,475 | 0.83 | ||||||||||||||||||||
Land - Acquisition & Development | 67,314 | 65,259 | — | — | 2,055 | 2,055 | 3.05 | ||||||||||||||||||||
Land - Consumer Lot Loans | 113,567 | 110,021 | 391 | 273 | 2,882 | 3,546 | 3.12 | ||||||||||||||||||||
Multi-Family | 848,708 | 847,562 | 20 | — | 1,126 | 1,146 | 0.14 | ||||||||||||||||||||
Commercial Real Estate | 438,382 | 435,766 | 967 | 387 | 1,262 | 2,616 | 0.6 | ||||||||||||||||||||
Commercial & Industrial | 277,100 | 275,817 | 1,246 | 1 | 36 | 1,283 | 0.46 | ||||||||||||||||||||
HELOC | 112,550 | 111,625 | 603 | 284 | 38 | 925 | 0.82 | ||||||||||||||||||||
Consumer | 41,434 | 40,184 | 781 | 225 | 244 | 1,250 | 3.02 | ||||||||||||||||||||
Total non-acquired loans | 7,612,058 | 7,494,058 | 32,973 | 12,445 | 72,582 | 118,000 | 1.55 | % | |||||||||||||||||||
Non-impaired acquired loans | |||||||||||||||||||||||||||
Single-Family Residential | 13,177 | 13,104 | 73 | — | — | 73 | 0.55 | % | |||||||||||||||||||
Construction - Speculative | — | — | — | — | — | — | — | ||||||||||||||||||||
Construction - Custom | — | — | — | — | — | — | — | ||||||||||||||||||||
Land - Acquisition & Development | 1,135 | 726 | — | 409 | — | 409 | 36.04 | ||||||||||||||||||||
Land - Consumer Lot Loans | 3,240 | 3,115 | — | — | 125 | 125 | 3.86 | ||||||||||||||||||||
Multi-Family | 3,538 | 3,402 | — | — | 136 | 136 | 3.84 | ||||||||||||||||||||
Commercial Real Estate | 112,083 | 108,651 | 96 | — | 3,336 | 3,432 | 3.06 | ||||||||||||||||||||
Commercial & Industrial | 69,868 | 69,542 | 120 | 69 | 137 | 326 | 0.47 | ||||||||||||||||||||
HELOC | 8,624 | 8,440 | 184 | — | — | 184 | 2.13 | ||||||||||||||||||||
Consumer | 6,842 | 6,417 | 46 | 2 | 377 | 425 | 6.21 | ||||||||||||||||||||
Total non-impaired acquired loans | 218,507 | 213,397 | 519 | 480 | 4,111 | 5,110 | 2.34 | % | |||||||||||||||||||
Credit-impaired acquired loans | |||||||||||||||||||||||||||
Single-Family Residential | 329 | 329 | — | — | — | — | — | % | |||||||||||||||||||
Construction - Speculative | — | — | — | — | — | — | — | ||||||||||||||||||||
Construction - Custom | — | — | — | — | — | — | — | ||||||||||||||||||||
Land - Acquisition & Development | 1,758 | 1,758 | — | — | — | — | — | ||||||||||||||||||||
Land - Consumer Lot Loans | — | — | — | — | — | — | — | ||||||||||||||||||||
Multi-Family | — | — | — | — | — | — | — | ||||||||||||||||||||
Commercial Real Estate | 68,115 | 67,767 | 348 | — | — | 348 | 0.51 | ||||||||||||||||||||
Commercial & Industrial | 4,724 | 4,318 | — | — | 406 | 406 | 8.59 | ||||||||||||||||||||
HELOC | 10,679 | 10,276 | — | — | 403 | 403 | 3.77 | ||||||||||||||||||||
Consumer | 58 | 58 | — | — | — | — | — | ||||||||||||||||||||
Total credit-impaired acquired loans | 85,663 | 84,506 | 348 | — | 809 | 1,157 | 1.35 | % | |||||||||||||||||||
Total Loans | $ | 7,916,228 | $ | 7,791,961 | $ | 33,840 | $ | 12,925 | $ | 77,502 | $ | 124,267 | 1.57 | % | |||||||||||||
30-Sep-13 | Amount of Loans | Days Delinquent Based on $ Amount of Loans | % based | ||||||||||||||||||||||||
Type of Loan | Net of LIP & Chg.-Offs | Current | 30 | 60 | 90 | Total | on $ | ||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Non-acquired loans | |||||||||||||||||||||||||||
Single-Family Residential | $ | 5,356,200 | $ | 5,237,413 | $ | 26,888 | $ | 12,373 | $ | 79,526 | $ | 118,787 | 2.22 | % | |||||||||||||
Construction - Speculative | 82,422 | 80,047 | — | — | 2,375 | 2,375 | 2.88 | ||||||||||||||||||||
Construction - Custom | 130,095 | 129,678 | 417 | — | — | 417 | 0.32 | ||||||||||||||||||||
Land - Acquisition & Development | 71,567 | 70,106 | — | — | 1,461 | 1,461 | 2.04 | ||||||||||||||||||||
Land - Consumer Lot Loans | 121,473 | 117,076 | 806 | 355 | 3,236 | 4,397 | 3.62 | ||||||||||||||||||||
Multi-Family | 790,564 | 785,793 | — | — | 4,771 | 4,771 | 0.6 | ||||||||||||||||||||
Commercial Real Estate | 404,680 | 398,114 | 2,942 | 351 | 3,273 | 6,566 | 1.62 | ||||||||||||||||||||
Commercial & Industrial | 249,405 | 249,363 | 42 | — | — | 42 | 0.02 | ||||||||||||||||||||
HELOC | 112,186 | 111,407 | 493 | 213 | 73 | 779 | 0.69 | ||||||||||||||||||||
Consumer | 47,142 | 45,620 | 849 | 283 | 390 | 1,522 | 3.23 | ||||||||||||||||||||
Total non-acquired loans | 7,365,734 | 7,224,617 | 32,437 | 13,575 | 95,105 | 141,117 | 1.92 | % | |||||||||||||||||||
Non-impaired acquired loans | |||||||||||||||||||||||||||
Single-Family Residential | 14,468 | 14,343 | 82 | — | 43 | 125 | 0.86 | % | |||||||||||||||||||
Construction - Speculative | — | — | — | — | — | — | NM | ||||||||||||||||||||
Construction - Custom | — | — | — | — | — | — | NM | ||||||||||||||||||||
Land - Acquisition & Development | 1,489 | 1,241 | — | — | 248 | 248 | 16.66 | ||||||||||||||||||||
Land - Consumer Lot Loans | 3,313 | 2,987 | 125 | 100 | 101 | 326 | 9.84 | ||||||||||||||||||||
Multi-Family | 3,914 | 3,914 | — | — | — | — | — | ||||||||||||||||||||
Commercial Real Estate | 133,398 | 128,610 | 134 | 617 | 4,037 | 4,788 | 3.59 | ||||||||||||||||||||
Commercial & Industrial | 75,323 | 74,992 | 10 | 153 | 168 | 331 | 0.44 | ||||||||||||||||||||
HELOC | 10,179 | 10,063 | — | 16 | 100 | 116 | 1.14 | ||||||||||||||||||||
Consumer | 8,266 | 7,568 | 90 | 8 | 600 | 698 | 8.44 | ||||||||||||||||||||
Total non-impaired acquired loans | 250,350 | 243,718 | 441 | 894 | 5,297 | 6,632 | 2.65 | % | |||||||||||||||||||
Credit-impaired acquired loans | |||||||||||||||||||||||||||
Single-Family Residential | 333 | 333 | — | — | — | — | — | % | |||||||||||||||||||
Construction - Speculative | — | — | — | — | — | — | NM | ||||||||||||||||||||
Construction - Custom | — | — | — | — | — | — | — | ||||||||||||||||||||
Land - Acquisition & Development | 2,393 | 1,929 | — | 464 | — | 464 | 19.39 | ||||||||||||||||||||
Land - Consumer Lot Loans | — | — | — | — | — | — | — | ||||||||||||||||||||
Multi-Family | — | — | — | — | — | — | — | ||||||||||||||||||||
Commercial Real Estate | 83,116 | 80,095 | 2,301 | — | 720 | 3,021 | 3.63 | ||||||||||||||||||||
Commercial & Industrial | 1,705 | 1,396 | — | — | 309 | 309 | 18.12 | ||||||||||||||||||||
HELOC | 11,266 | 11,176 | — | — | 90 | 90 | 0.8 | ||||||||||||||||||||
Consumer | 71 | 71 | — | — | — | — | — | ||||||||||||||||||||
Total credit-impaired acquired loans | 98,884 | 95,000 | 2,301 | 464 | 1,119 | 3,884 | 3.93 | % | |||||||||||||||||||
Total Loans | $ | 7,714,968 | $ | 7,563,335 | $ | 35,179 | $ | 14,933 | $ | 101,521 | $ | 151,633 | 1.97 | % | |||||||||||||
Schedule of Impaired Loans, Loan Commitments and Loans Serviced | ' | ||||||||||||||||||||||||||
The following tables provide information related to loans that were restructured during the periods indicated: | |||||||||||||||||||||||||||
Quarter Ended March 31, | |||||||||||||||||||||||||||
2014 | 2013 | ||||||||||||||||||||||||||
Pre-Modification | Post-Modification | Pre-Modification | Post-Modification | ||||||||||||||||||||||||
Outstanding | Outstanding | Outstanding | Outstanding | ||||||||||||||||||||||||
Number of | Recorded | Recorded | Number of | Recorded | Recorded | ||||||||||||||||||||||
Contracts | Investment | Investment | Contracts | Investment | Investment | ||||||||||||||||||||||
(In thousands) | (In thousands) | ||||||||||||||||||||||||||
Troubled Debt Restructurings: | |||||||||||||||||||||||||||
Single-Family Residential | 43 | $ | 12,692 | $ | 12,692 | 130 | $ | 36,059 | $ | 36,059 | |||||||||||||||||
Construction - Speculative | — | — | — | — | — | — | |||||||||||||||||||||
Construction - Custom | — | — | — | — | — | — | |||||||||||||||||||||
Land - Acquisition & Development | — | — | — | — | — | — | |||||||||||||||||||||
Land - Consumer Lot Loans | 1 | 302 | 302 | 9 | 1,350 | 1,350 | |||||||||||||||||||||
Multi-Family | — | — | — | — | — | — | |||||||||||||||||||||
Commercial Real Estate | — | — | — | — | — | — | |||||||||||||||||||||
Commercial & Industrial | — | — | — | — | — | — | |||||||||||||||||||||
HELOC | — | — | — | 1 | 200 | 200 | |||||||||||||||||||||
Consumer | 1 | 130 | 130 | — | — | — | |||||||||||||||||||||
45 | $ | 13,124 | $ | 13,124 | 140 | $ | 37,609 | $ | 37,609 | ||||||||||||||||||
Six Months Ended March 31, | |||||||||||||||||||||||||||
2014 | 2013 | ||||||||||||||||||||||||||
Pre-Modification | Post-Modification | Pre-Modification | Post-Modification | ||||||||||||||||||||||||
Outstanding | Outstanding | Outstanding | Outstanding | ||||||||||||||||||||||||
Number of | Recorded | Recorded | Number of | Recorded | Recorded | ||||||||||||||||||||||
Contracts | Investment | Investment | Contracts | Investment | Investment | ||||||||||||||||||||||
(In thousands) | (In thousands) | ||||||||||||||||||||||||||
Troubled Debt Restructurings: | |||||||||||||||||||||||||||
Single-Family Residential | 151 | 34,877 | 34,877 | 230 | 63,146 | 63,146 | |||||||||||||||||||||
Construction - Speculative | — | — | — | 1 | 2,492 | 2,492 | |||||||||||||||||||||
Construction - Custom | — | — | — | — | — | — | |||||||||||||||||||||
Land - Acquisition & Development | — | — | — | — | — | — | |||||||||||||||||||||
Land - Consumer Lot Loans | 6 | 1,394 | 1,394 | 18 | 2,761 | 2,761 | |||||||||||||||||||||
Multi-Family | 2 | 1,207 | 1,207 | 1 | 55 | 55 | |||||||||||||||||||||
Commercial Real Estate | 1 | 804 | 804 | — | — | — | |||||||||||||||||||||
Commercial & Industrial | — | — | — | — | — | — | |||||||||||||||||||||
HELOC | 1 | 261 | 261 | 1 | 200 | 200 | |||||||||||||||||||||
Consumer | 3 | 167 | 167 | — | — | — | |||||||||||||||||||||
164 | $ | 38,710 | $ | 38,710 | 251 | $ | 68,654 | $ | 68,654 | ||||||||||||||||||
Schedule of Loan Modifications | ' | ||||||||||||||||||||||||||
The following tables provide information on restructured loans for which a payment default occurred during the periods indicated and that had been modified as a TDR within 12 months or less of the payment default: | |||||||||||||||||||||||||||
Quarter Ended March 31, | |||||||||||||||||||||||||||
2014 | 2013 | ||||||||||||||||||||||||||
Number of | Recorded | Number of | Recorded | ||||||||||||||||||||||||
Contracts | Investment | Contracts | Investment | ||||||||||||||||||||||||
(In thousands) | (In thousands) | ||||||||||||||||||||||||||
Troubled Debt Restructurings That Subsequently Defaulted: | |||||||||||||||||||||||||||
Single-Family Residential | 23 | $ | 4,218 | 37 | $ | 8,579 | |||||||||||||||||||||
Construction - Speculative | — | — | — | — | |||||||||||||||||||||||
Construction - Custom | — | — | — | — | |||||||||||||||||||||||
Land - Acquisition & Development | — | — | — | — | |||||||||||||||||||||||
Land - Consumer Lot Loans | 1 | 83 | 1 | 139 | |||||||||||||||||||||||
Multi-Family | — | — | 1 | 55 | |||||||||||||||||||||||
Commercial Real Estate | — | — | — | — | |||||||||||||||||||||||
Commercial & Industrial | — | — | — | — | |||||||||||||||||||||||
HELOC | — | — | 2 | 113 | |||||||||||||||||||||||
Consumer | — | — | — | — | |||||||||||||||||||||||
24 | $ | 4,301 | 41 | $ | 8,886 | ||||||||||||||||||||||
Six Months Ended March 31, | |||||||||||||||||||||||||||
2014 | 2013 | ||||||||||||||||||||||||||
Number of | Recorded | Number of | Recorded | ||||||||||||||||||||||||
Contracts | Investment | Contracts | Investment | ||||||||||||||||||||||||
(In thousands) | (In thousands) | ||||||||||||||||||||||||||
Troubled Debt Restructurings That Subsequently Defaulted: | |||||||||||||||||||||||||||
Single-Family Residential | 38 | $ | 7,067 | 55 | $ | 13,704 | |||||||||||||||||||||
Construction - Speculative | — | — | — | — | |||||||||||||||||||||||
Construction - Custom | — | — | — | — | |||||||||||||||||||||||
Land - Acquisition & Development | — | — | — | — | |||||||||||||||||||||||
Land - Consumer Lot Loans | 4 | 358 | 1 | 139 | |||||||||||||||||||||||
Multi-Family | — | — | 1 | 55 | |||||||||||||||||||||||
Commercial Real Estate | — | — | 1 | 302 | |||||||||||||||||||||||
Commercial & Industrial | — | — | — | — | |||||||||||||||||||||||
HELOC | — | — | 2 | 113 | |||||||||||||||||||||||
Consumer | — | — | — | — | |||||||||||||||||||||||
42 | $ | 7,425 | 60 | $ | 14,313 | ||||||||||||||||||||||
Allowance_for_Losses_on_Loans_
Allowance for Losses on Loans (Tables) | 6 Months Ended | |||||||||||||||||||||||
Mar. 31, 2014 | ||||||||||||||||||||||||
Receivables [Abstract] | ' | |||||||||||||||||||||||
Summary of Activity in Allowance for Loan Losses | ' | |||||||||||||||||||||||
The following table summarizes the activity in the allowance for loan losses (excluding acquired and covered loans) for the quarter ended March 31, 2014 and fiscal year ended September 30, 2013: | ||||||||||||||||||||||||
Quarter Ended March 31, 2014 | Beginning | Charge-offs | Recoveries | Provision & | Ending | |||||||||||||||||||
Allowance | Transfers | Allowance | ||||||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
Single-family residential | $ | 67,692 | $ | (2,444 | ) | $ | 2,088 | $ | (3,988 | ) | $ | 63,348 | ||||||||||||
Construction - speculative | 8,142 | (488 | ) | — | (881 | ) | 6,773 | |||||||||||||||||
Construction - custom | 1,474 | — | — | 125 | 1,599 | |||||||||||||||||||
Land - acquisition & development | 7,084 | (85 | ) | 299 | (1,271 | ) | 6,027 | |||||||||||||||||
Land - consumer lot loans | 3,274 | (231 | ) | — | (69 | ) | 2,974 | |||||||||||||||||
Multi-family | 4,109 | — | — | 78 | 4,187 | |||||||||||||||||||
Commercial real estate | 5,868 | (73 | ) | — | 129 | 5,924 | ||||||||||||||||||
Commercial & industrial | 16,505 | (444 | ) | 2,852 | 1,490 | 20,403 | ||||||||||||||||||
HELOC | 943 | — | — | 32 | 975 | |||||||||||||||||||
Consumer | 3,067 | (1,010 | ) | 1,059 | (395 | ) | 2,721 | |||||||||||||||||
$ | 118,158 | $ | (4,775 | ) | $ | 6,298 | $ | (4,750 | ) | $ | 114,931 | |||||||||||||
Fiscal Year Ended September 30, 2013 | Beginning | Charge-offs | Recoveries | Provision & | Ending | |||||||||||||||||||
Allowance | Transfers | Allowance | ||||||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
Single-family residential | $ | 81,815 | $ | (20,947 | ) | $ | 9,416 | $ | (6,100 | ) | $ | 64,184 | ||||||||||||
Construction - speculative | 12,060 | (1,446 | ) | 501 | (2,708 | ) | 8,407 | |||||||||||||||||
Construction - custom | 347 | (481 | ) | — | 1,016 | 882 | ||||||||||||||||||
Land - acquisition & development | 15,598 | (3,983 | ) | 4,105 | (6,555 | ) | 9,165 | |||||||||||||||||
Land - consumer lot loans | 4,937 | (1,363 | ) | 40 | (62 | ) | 3,552 | |||||||||||||||||
Multi-family | 5,280 | (1,043 | ) | 171 | (592 | ) | 3,816 | |||||||||||||||||
Commercial real estate | 1,956 | (747 | ) | 17 | 4,369 | 5,595 | ||||||||||||||||||
Commercial & industrial | 7,626 | (1,145 | ) | 95 | 10,038 | 16,614 | ||||||||||||||||||
HELOC | 965 | (163 | ) | — | 200 | 1,002 | ||||||||||||||||||
Consumer | 2,563 | (2,783 | ) | 2,000 | 1,744 | 3,524 | ||||||||||||||||||
$ | 133,147 | $ | (34,101 | ) | $ | 16,345 | $ | 1,350 | $ | 116,741 | ||||||||||||||
Summary of Loans Collectively and Individually Evaluated for Impairment and Related Allocation of Reserves | ' | |||||||||||||||||||||||
The following tables shows a summary of loans collectively and individually evaluated for impairment and the related allocation of general and specific reserves as of March 31, 2014 and September 30, 2013: | ||||||||||||||||||||||||
March 31, 2014 | Loans Collectively Evaluated for Impairment | Loans Individually Evaluated for Impairment | ||||||||||||||||||||||
General Reserve | Gross Loans Subject to | Ratio | Specific Reserve | Gross Loans Subject to | Ratio | |||||||||||||||||||
Allocation | General Reserve (1) | Allocation | Specific Reserve (1) | |||||||||||||||||||||
(In thousands) | (In thousands) | |||||||||||||||||||||||
Single-family residential | $ | 63,348 | $ | 5,357,841 | 1.2 | % | $ | — | $ | 90,746 | — | % | ||||||||||||
Construction - speculative | 6,713 | 123,185 | 5.4 | 60 | 11,816 | 0.5 | ||||||||||||||||||
Construction - custom | 1,599 | 354,279 | 0.5 | — | — | — | ||||||||||||||||||
Land - acquisition & development | 5,252 | 64,917 | 8.1 | 775 | 9,238 | 8.4 | ||||||||||||||||||
Land - consumer lot loans | 2,974 | 99,065 | 3 | — | 14,558 | — | ||||||||||||||||||
Multi-family | 4,187 | 857,244 | 0.5 | — | 8,853 | — | ||||||||||||||||||
Commercial real estate | 5,924 | 439,307 | 1.3 | — | 14,938 | — | ||||||||||||||||||
Commercial & industrial | 20,403 | 288,641 | 7.1 | — | 10 | — | ||||||||||||||||||
HELOC | 975 | 111,530 | 0.9 | — | 1,020 | — | ||||||||||||||||||
Consumer | 2,721 | 41,339 | 6.6 | — | — | — | ||||||||||||||||||
$ | 114,096 | $ | 7,737,348 | 1.5 | % | $ | 835 | $ | 151,179 | 0.6 | % | |||||||||||||
-1 | Excludes acquired loans with discounts sufficient to absorb potential losses and covered loans | |||||||||||||||||||||||
September 30, 2013 | Loans Collectively Evaluated for Impairment | Loans Individually Evaluated for Impairment | ||||||||||||||||||||||
General Reserve | Gross Loans Subject to | Ratio | Specific Reserve | Gross Loans Subject to | Ratio | |||||||||||||||||||
Allocation | General Reserve (1) | Allocation | Specific Reserve (1) | |||||||||||||||||||||
(In thousands) | (In thousands) | |||||||||||||||||||||||
Single-family residential | $ | 64,184 | $ | 5,262,159 | 1.2 | % | $ | — | $ | 96,989 | — | % | ||||||||||||
Construction - speculative | 7,307 | 115,554 | 6.3 | 1,100 | 15,224 | 7.2 | ||||||||||||||||||
Construction - custom | 882 | 302,722 | 0.3 | — | — | — | ||||||||||||||||||
Land - acquisition & development | 6,943 | 67,521 | 10.3 | 2,222 | 10,254 | 21.7 | ||||||||||||||||||
Land - consumer lot loans | 3,506 | 107,216 | 3.3 | 46 | 14,455 | 0.3 | ||||||||||||||||||
Multi-family | 3,711 | 824,279 | 0.5 | 105 | 7,405 | 1.4 | ||||||||||||||||||
Commercial real estate | 5,595 | 400,789 | 1.4 | — | 14,172 | — | ||||||||||||||||||
Commercial & industrial | 16,614 | 256,954 | 6.5 | — | 48 | — | ||||||||||||||||||
HELOC | 1,002 | 111,169 | 0.9 | — | 1,017 | — | ||||||||||||||||||
Consumer | 3,524 | 47,141 | 7.5 | — | — | — | ||||||||||||||||||
$ | 113,268 | $ | 7,495,504 | 1.5 | % | $ | 3,473 | $ | 159,564 | 2.2 | % | |||||||||||||
Summary of Loans Based on Credit Quality Indicators | ' | |||||||||||||||||||||||
The following tables provide information on loans based on credit quality indicators (defined above) as of March 31, 2014 and September 30, 2013. | ||||||||||||||||||||||||
Credit Risk Profile by Internally Assigned Grade (excludes covered loans): | ||||||||||||||||||||||||
March 31, 2014 | Internally Assigned Grade | Total | ||||||||||||||||||||||
Pass | Special mention | Substandard | Doubtful | Loss | Gross Loans | |||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
Non-acquired loans | ||||||||||||||||||||||||
Single-family residential | $ | 5,282,350 | $ | 3,009 | $ | 163,228 | $ | — | $ | — | $ | 5,448,587 | ||||||||||||
Construction - speculative | 119,429 | — | 15,572 | — | — | 135,001 | ||||||||||||||||||
Construction - custom | 354,279 | — | — | — | — | 354,279 | ||||||||||||||||||
Land - acquisition & development | 64,579 | — | 9,576 | — | — | 74,155 | ||||||||||||||||||
Land - consumer lot loans | 113,160 | — | 463 | — | — | 113,623 | ||||||||||||||||||
Multi-family | 859,295 | 1,825 | 4,977 | — | — | 866,097 | ||||||||||||||||||
Commercial real estate | 419,914 | 17,526 | 16,806 | — | — | 454,246 | ||||||||||||||||||
Commercial & industrial | 255,607 | 19,668 | 1,797 | 37 | — | 277,109 | ||||||||||||||||||
HELOC | 112,549 | — | — | — | — | 112,549 | ||||||||||||||||||
Consumer | 41,077 | — | 262 | — | — | 41,339 | ||||||||||||||||||
7,622,239 | 42,028 | 212,681 | 37 | — | 7,876,985 | |||||||||||||||||||
Non-impaired acquired loans | ||||||||||||||||||||||||
Single-family residential | 13,177 | — | — | — | — | 13,177 | ||||||||||||||||||
Construction - speculative | — | — | — | — | — | — | ||||||||||||||||||
Construction - custom | — | — | — | — | — | — | ||||||||||||||||||
Land - acquisition & development | 726 | — | 409 | — | — | 1,135 | ||||||||||||||||||
Land - consumer lot loans | 3,116 | — | 125 | — | — | 3,241 | ||||||||||||||||||
Multi-family | 3,402 | — | 136 | — | — | 3,538 | ||||||||||||||||||
Commercial real estate | 93,378 | 3,473 | 15,235 | 3 | — | 112,089 | ||||||||||||||||||
Commercial & industrial | 51,471 | 13,726 | 4,638 | 37 | — | 69,872 | ||||||||||||||||||
HELOC | 8,624 | — | — | — | — | 8,624 | ||||||||||||||||||
Consumer | 6,465 | — | 377 | — | — | 6,842 | ||||||||||||||||||
180,359 | 17,199 | 20,920 | 40 | — | 218,518 | |||||||||||||||||||
Credit-impaired acquired loans | ||||||||||||||||||||||||
Pool 1 - Construction and land A&D | 1,387 | — | 371 | — | — | 1,758 | ||||||||||||||||||
Pool 2 - Single-family residential | 329 | — | — | — | — | 329 | ||||||||||||||||||
Pool 3 - Multi-family | — | — | — | — | — | — | ||||||||||||||||||
Pool 4 - HELOC & other consumer | 10,335 | — | 403 | — | — | 10,738 | ||||||||||||||||||
Pool 5 - Commercial real estate | 50,768 | 2,168 | 15,186 | — | — | 68,122 | ||||||||||||||||||
Pool 6 - Commercial & industrial | 1,126 | 3,598 | — | — | — | 4,724 | ||||||||||||||||||
Total credit impaired acquired loans | 63,945 | 5,766 | 15,960 | — | — | 85,671 | ||||||||||||||||||
Total gross loans | $ | 7,866,543 | $ | 64,993 | $ | 249,561 | $ | 77 | $ | — | $ | 8,181,174 | ||||||||||||
Total grade as a % of total gross loans | 96.2 | % | 0.8 | % | 3 | % | — | % | — | % | ||||||||||||||
September 30, 2013 | Internally Assigned Grade | Total | ||||||||||||||||||||||
Pass | Special mention | Substandard | Doubtful | Loss | Gross Loans | |||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
Non-acquired loans | ||||||||||||||||||||||||
Single-family residential | $ | 5,184,101 | $ | 4,595 | $ | 170,453 | $ | — | $ | — | $ | 5,359,149 | ||||||||||||
Construction - speculative | 99,436 | 3,199 | 28,143 | — | — | 130,778 | ||||||||||||||||||
Construction - custom | 302,722 | — | — | — | — | 302,722 | ||||||||||||||||||
Land - acquisition & development | 64,355 | 775 | 12,645 | — | — | 77,775 | ||||||||||||||||||
Land - consumer lot loans | 121,039 | — | 632 | — | — | 121,671 | ||||||||||||||||||
Multi-family | 819,911 | 2,114 | 9,659 | — | — | 831,684 | ||||||||||||||||||
Commercial real estate | 373,012 | 21,652 | 20,297 | — | — | 414,961 | ||||||||||||||||||
Commercial & industrial | 240,441 | 1,049 | 1,709 | — | — | 243,199 | ||||||||||||||||||
HELOC | 112,186 | — | — | — | — | 112,186 | ||||||||||||||||||
Consumer | 46,720 | — | 421 | — | — | 47,141 | ||||||||||||||||||
7,363,923 | $ | 33,384 | $ | 243,959 | $ | — | $ | — | $ | 7,641,266 | ||||||||||||||
Non-impaired acquired loans | ||||||||||||||||||||||||
Single-family residential | 14,468 | — | — | — | — | 14,468 | ||||||||||||||||||
Construction - speculative | — | — | — | — | — | — | ||||||||||||||||||
Construction - custom | — | — | — | — | — | — | ||||||||||||||||||
Land - acquisition & development | 312 | — | 1,177 | — | — | 1,489 | ||||||||||||||||||
Land - consumer lot loans | 3,313 | — | — | — | — | 3,313 | ||||||||||||||||||
Multi-family | 3,227 | — | 687 | — | — | 3,914 | ||||||||||||||||||
Commercial real estate | 105,055 | 4,190 | 24,178 | — | — | 133,423 | ||||||||||||||||||
Commercial & industrial | 64,933 | 1,309 | 9,084 | — | — | 75,326 | ||||||||||||||||||
HELOC | 10,179 | — | — | — | — | 10,179 | ||||||||||||||||||
Consumer | 8,267 | — | — | — | — | 8,267 | ||||||||||||||||||
209,754 | 5,499 | 35,126 | — | — | 250,379 | |||||||||||||||||||
Credit-impaired acquired loans | ||||||||||||||||||||||||
Pool 1 - Construction and land A&D | 980 | 461 | 955 | — | — | 2,396 | ||||||||||||||||||
Pool 2 - Single-family residential | 333 | — | — | — | — | 333 | ||||||||||||||||||
Pool 3 - Multi-family | — | — | — | — | — | — | ||||||||||||||||||
Pool 4 - HELOC & other consumer | 11,337 | — | — | — | — | 11,337 | ||||||||||||||||||
Pool 5 - Commercial real estate | 52,509 | 3,155 | 21,245 | — | — | 76,909 | ||||||||||||||||||
Pool 6 - Commercial & industrial | 881 | — | 7,044 | — | — | 7,925 | ||||||||||||||||||
Total credit impaired acquired loans | 66,040 | 3,616 | 29,244 | — | — | 98,900 | ||||||||||||||||||
Total gross loans | $ | 7,639,717 | $ | 42,499 | $ | 308,329 | $ | — | $ | — | $ | 7,990,545 | ||||||||||||
Total grade as a % of total gross loans | 95.6 | % | 0.5 | % | 3.9 | % | — | % | — | % | ||||||||||||||
Credit Risk Profile Based on Payment Activity (excludes acquired and covered loans): | ||||||||||||||||||||||||
March 31, 2014 | Performing Loans | Non-Performing Loans | ||||||||||||||||||||||
Amount | % of Total | Amount | % of Total | |||||||||||||||||||||
Gross Loans | Gross Loans | |||||||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
Single-family residential | $ | 5,366,847 | 98.5 | % | $ | 81,740 | 1.5 | % | ||||||||||||||||
Construction - speculative | 132,869 | 98.4 | 2,132 | 1.6 | ||||||||||||||||||||
Construction - custom | 354,014 | 99.9 | 265 | 0.1 | ||||||||||||||||||||
Land - acquisition & development | 72,042 | 97.2 | 2,113 | 2.8 | ||||||||||||||||||||
Land - consumer lot loans | 110,616 | 97.4 | 3,007 | 2.6 | ||||||||||||||||||||
Multi-family | 863,898 | 99.7 | 2,199 | 0.3 | ||||||||||||||||||||
Commercial real estate | 447,145 | 98.4 | 7,101 | 1.6 | ||||||||||||||||||||
Commercial & industrial | 276,530 | 99.8 | 579 | 0.2 | ||||||||||||||||||||
HELOC | 112,108 | 99.6 | 441 | 0.4 | ||||||||||||||||||||
Consumer | 40,718 | 98.5 | 621 | 1.5 | ||||||||||||||||||||
$ | 7,776,787 | 98.7 | % | $ | 100,198 | 1.3 | % | |||||||||||||||||
30-Sep-13 | Performing Loans | Non-Performing Loans | ||||||||||||||||||||||
Amount | % of Total | Amount | % of Total | |||||||||||||||||||||
Gross Loans | Gross Loans | |||||||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
Single-family residential | $ | 5,258,688 | 98.1 | % | $ | 100,460 | 1.9 | % | ||||||||||||||||
Construction - speculative | 126,218 | 96.5 | 4,560 | 3.5 | ||||||||||||||||||||
Construction - custom | 302,722 | 100 | — | — | ||||||||||||||||||||
Land - acquisition & development | 74,872 | 96.3 | 2,903 | 3.7 | ||||||||||||||||||||
Land - consumer lot loans | 118,334 | 97.3 | 3,337 | 2.7 | ||||||||||||||||||||
Multi-family | 825,111 | 99.2 | 6,573 | 0.8 | ||||||||||||||||||||
Commercial real estate | 389,423 | 97.1 | 11,736 | 2.9 | ||||||||||||||||||||
Commercial & industrial | 256,525 | 99.8 | 477 | 0.2 | ||||||||||||||||||||
HELOC | 111,923 | 99.8 | 263 | 0.2 | ||||||||||||||||||||
Consumer | 46,151 | 97.9 | 990 | 0.2 | ||||||||||||||||||||
$ | 7,509,967 | 98.3 | % | $ | 131,299 | 1.7 | % | |||||||||||||||||
The following tables provide information on covered loans based on credit quality indicators (defined in Note E ) as of March 31, 2014 and September 30, 2013: | ||||||||||||||||||||||||
March 31, 2014 | Internally Assigned Grade | Total | ||||||||||||||||||||||
Pass | Special mention | Substandard | Doubtful | Loss | Net Loans | |||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
Acquired non-impaired loans: | ||||||||||||||||||||||||
Single-family residential | $ | 23,060 | $ | — | $ | 2,462 | $ | — | $ | — | $ | 25,522 | ||||||||||||
Construction - speculative | — | — | — | — | — | — | ||||||||||||||||||
Construction - custom | — | — | — | — | — | — | ||||||||||||||||||
Land - acquisition & development | 2,267 | — | 716 | — | — | 2,983 | ||||||||||||||||||
Land - consumer lot loans | 74 | — | 34 | — | — | 108 | ||||||||||||||||||
Multi-family | 16,814 | — | — | — | — | 16,814 | ||||||||||||||||||
Commercial real estate | 40,675 | 157 | 26,854 | — | — | 67,686 | ||||||||||||||||||
Commercial & industrial | 4,041 | — | 3,226 | — | — | 7,267 | ||||||||||||||||||
HELOC | 13,294 | — | 39 | — | — | 13,333 | ||||||||||||||||||
Consumer | 534 | — | — | — | — | 534 | ||||||||||||||||||
100,759 | 157 | 33,331 | — | — | 134,247 | |||||||||||||||||||
Total grade as a % of total net loans | 75.1 | % | 0.1 | % | 24.8 | % | — | % | — | % | ||||||||||||||
Acquired credit-impaired loans: | ||||||||||||||||||||||||
Pool 1 - Construction and land A&D | 14,266 | — | 24,493 | — | — | 38,759 | ||||||||||||||||||
Pool 2 - Single-family residential | 19,010 | — | 982 | — | — | 19,992 | ||||||||||||||||||
Pool 3 - Multi-family | 55 | — | 1,026 | — | — | 1,081 | ||||||||||||||||||
Pool 4 - HELOC & other consumer | 3,338 | — | 2,289 | — | — | 5,627 | ||||||||||||||||||
Pool 5 - Commercial real estate | 36,352 | 3,992 | 36,528 | — | — | 76,872 | ||||||||||||||||||
Pool 6 - Commercial & industrial | 4,977 | 437 | 3,235 | 542 | — | 9,191 | ||||||||||||||||||
$ | 77,998 | $ | 4,429 | $ | 68,553 | $ | 542 | $ | — | 151,522 | ||||||||||||||
Total covered loans | 285,769 | |||||||||||||||||||||||
Discount | (54,095 | ) | ||||||||||||||||||||||
Allowance | (2,069 | ) | ||||||||||||||||||||||
Covered loans, net | $ | 229,605 | ||||||||||||||||||||||
September 30, 2013 | Internally Assigned Grade | Total | ||||||||||||||||||||||
Pass | Special mention | Substandard | Doubtful | Loss | Net Loans | |||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
Acquired non-impaired loans: | ||||||||||||||||||||||||
Single-family residential | $ | 26,426 | $ | — | $ | 2,034 | $ | — | $ | — | $ | 28,460 | ||||||||||||
Construction - speculative | — | — | — | — | — | — | ||||||||||||||||||
Construction - custom | — | — | — | — | — | — | ||||||||||||||||||
Land - acquisition & development | 3,069 | 1,019 | 722 | — | — | 4,810 | ||||||||||||||||||
Land - consumer lot loans | 245 | — | — | — | — | 245 | ||||||||||||||||||
Multi-family | 17,217 | — | 1,635 | — | — | 18,852 | ||||||||||||||||||
Commercial real estate | 56,120 | 9,235 | 24,144 | — | — | 89,499 | ||||||||||||||||||
Commercial & industrial | 5,175 | 500 | 3,741 | — | — | 9,416 | ||||||||||||||||||
HELOC | 14,750 | — | — | — | — | 14,750 | ||||||||||||||||||
Consumer | 604 | — | — | — | — | 604 | ||||||||||||||||||
123,606 | 10,754 | 32,276 | — | — | 166,636 | |||||||||||||||||||
Total grade as a % of total net loans | 74.2 | % | 6.4 | % | 19.4 | % | — | % | — | % | ||||||||||||||
Acquired credit-impaired loans: | ||||||||||||||||||||||||
Pool 1 - Construction and land A&D | 14,361 | 4,296 | 25,363 | — | — | 44,020 | ||||||||||||||||||
Pool 2 - Single-family residential | 21,541 | — | — | — | — | 21,541 | ||||||||||||||||||
Pool 3 - Multi-family | 4,131 | — | 1,100 | — | — | 5,231 | ||||||||||||||||||
Pool 4 - HELOC & other consumer | 4,111 | — | 1,880 | — | — | 5,991 | ||||||||||||||||||
Pool 5 - Commercial real estate | 36,494 | 15,113 | 53,946 | — | — | 105,553 | ||||||||||||||||||
Pool 6 - Commercial & industrial | 4,265 | 204 | 8,807 | — | — | 13,276 | ||||||||||||||||||
$ | 84,903 | $ | 19,613 | $ | 91,096 | $ | — | $ | — | 195,612 | ||||||||||||||
Total covered loans | 362,248 | |||||||||||||||||||||||
Discount | (66,301 | ) | ||||||||||||||||||||||
Allowance | — | |||||||||||||||||||||||
Covered loans, net | $ | 295,947 | ||||||||||||||||||||||
Summary of Impaired Loans Based on Type | ' | |||||||||||||||||||||||
The following table provides information on impaired loan balances and the related allowances by loan types as of March 31, 2014 and September 30, 2013: | ||||||||||||||||||||||||
March 31, 2014 | Recorded | Unpaid | Related | Average Recorded Investment | ||||||||||||||||||||
Investment | Principal | Allowance | ||||||||||||||||||||||
Balance | ||||||||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
With no related allowance recorded: | ||||||||||||||||||||||||
Single-family residential | $ | 26,196 | $ | 29,644 | $ | — | $ | 23,970 | ||||||||||||||||
Construction - speculative | 1,769 | 2,392 | — | 1,993 | ||||||||||||||||||||
Construction - custom | 265 | 265 | — | 133 | ||||||||||||||||||||
Land - acquisition & development | 1,973 | 9,325 | — | 2,085 | ||||||||||||||||||||
Land - consumer lot loans | 2,239 | 2,337 | — | 2,261 | ||||||||||||||||||||
Multi-family | 1,264 | 1,305 | — | 816 | ||||||||||||||||||||
Commercial real estate | 22,498 | 25,229 | — | 15,076 | ||||||||||||||||||||
Commercial & industrial | 3,843 | 23,737 | — | 3,897 | ||||||||||||||||||||
HELOC | 262 | 596 | — | 262 | ||||||||||||||||||||
Consumer | 321 | 376 | — | 329 | ||||||||||||||||||||
60,630 | 95,206 | — | 50,822 | |||||||||||||||||||||
With an allowance recorded: | ||||||||||||||||||||||||
Single-family residential | 348,917 | 355,044 | 15,730 | 347,772 | ||||||||||||||||||||
Construction - speculative | 9,613 | 10,043 | 60 | 9,625 | ||||||||||||||||||||
Construction - custom | 1,196 | 1,196 | — | 1,196 | ||||||||||||||||||||
Land - acquisition & development | 5,164 | 6,104 | 775 | 5,302 | ||||||||||||||||||||
Land - consumer lot loans | 13,270 | 13,653 | — | 13,305 | ||||||||||||||||||||
Multi-family | 7,727 | 7,947 | — | 7,744 | ||||||||||||||||||||
Commercial real estate | 14,457 | 14,662 | — | 14,511 | ||||||||||||||||||||
Commercial & industrial | 31 | 31 | — | 38 | ||||||||||||||||||||
HELOC | 1,198 | 1,198 | — | 1,198 | ||||||||||||||||||||
Consumer | 197 | 197 | — | 134 | ||||||||||||||||||||
401,770 | 410,075 | 16,565 | -1 | 400,825 | ||||||||||||||||||||
Total: | ||||||||||||||||||||||||
Single-family residential | 375,113 | 384,688 | 15,730 | 371,742 | ||||||||||||||||||||
Construction - speculative | 11,382 | 12,435 | 60 | 11,618 | ||||||||||||||||||||
Construction - custom | 1,461 | 1,461 | — | 1,329 | ||||||||||||||||||||
Land - acquisition & development | 7,137 | 15,429 | 775 | 7,387 | ||||||||||||||||||||
Land - consumer lot loans | 15,509 | 15,990 | — | 15,566 | ||||||||||||||||||||
Multi-family | 8,991 | 9,252 | — | 8,560 | ||||||||||||||||||||
Commercial real estate | 36,955 | 39,891 | — | 29,587 | ||||||||||||||||||||
Commercial & industrial | 3,874 | 23,768 | — | 3,935 | ||||||||||||||||||||
HELOC | 1,460 | 1,794 | — | 1,460 | ||||||||||||||||||||
Consumer | 518 | 573 | — | 463 | ||||||||||||||||||||
$ | 462,400 | $ | 505,281 | $ | 16,565 | -1 | $ | 451,647 | ||||||||||||||||
(1)Includes $835,000 of specific reserves and $15,730,000 included in the general reserves. | ||||||||||||||||||||||||
30-Sep-13 | Recorded | Unpaid | Related | 2013 Average | ||||||||||||||||||||
Investment | Principal | Allowance | Recorded | |||||||||||||||||||||
Balance | Investment | |||||||||||||||||||||||
(In thousands) | ||||||||||||||||||||||||
With no related allowance recorded: | ||||||||||||||||||||||||
Single-family residential | $ | 33,883 | $ | 38,928 | $ | — | $ | 21,458 | ||||||||||||||||
Construction - speculative | 3,891 | 4,099 | — | 3,339 | ||||||||||||||||||||
Construction - custom | — | — | — | — | ||||||||||||||||||||
Land - acquisition & development | 3,020 | 10,705 | — | 2,548 | ||||||||||||||||||||
Land - consumer lot loans | 3,186 | 3,376 | — | 1,839 | ||||||||||||||||||||
Multi-family | 4,929 | 4,929 | — | 1,734 | ||||||||||||||||||||
Commercial real estate | 23,537 | 31,876 | — | 9,651 | ||||||||||||||||||||
Commercial & industrial | 7,279 | 31,197 | — | 3,123 | ||||||||||||||||||||
HELOC | 446 | 946 | — | 133 | ||||||||||||||||||||
Consumer | 601 | 618 | — | 127 | ||||||||||||||||||||
80,772 | 126,674 | — | 43,952 | |||||||||||||||||||||
With an allowance recorded: | ||||||||||||||||||||||||
Single-family residential | 335,140 | 341,910 | 15,137 | 330,407 | ||||||||||||||||||||
Construction - speculative | 8,892 | 9,342 | 1,100 | 12,362 | ||||||||||||||||||||
Construction - custom | — | — | — | — | ||||||||||||||||||||
Land - acquisition & development | 2,598 | 4,002 | — | 8,315 | ||||||||||||||||||||
Land - consumer lot loans | 12,631 | 13,014 | 2,222 | 12,301 | ||||||||||||||||||||
Multi-family | 5,958 | 6,178 | 46 | 7,731 | ||||||||||||||||||||
Commercial real estate | 7,539 | 8,476 | 105 | 9,321 | ||||||||||||||||||||
Commercial & industrial | 56 | 56 | — | 11 | ||||||||||||||||||||
HELOC | 938 | 938 | — | 858 | ||||||||||||||||||||
Consumer | 33 | 33 | — | 9 | ||||||||||||||||||||
373,785 | 383,949 | 18,610 | -1 | 381,315 | ||||||||||||||||||||
Total: | ||||||||||||||||||||||||
Single-family residential | 369,023 | 380,838 | 15,137 | 351,865 | ||||||||||||||||||||
Construction - speculative | 12,783 | 13,441 | 1,100 | 15,701 | ||||||||||||||||||||
Construction - custom | — | — | — | — | ||||||||||||||||||||
Land - acquisition & development | 5,618 | 14,707 | — | 10,863 | ||||||||||||||||||||
Land - consumer lot loans | 15,817 | 16,390 | 2,222 | 14,140 | ||||||||||||||||||||
Multi-family | 10,887 | 11,107 | 46 | 9,465 | ||||||||||||||||||||
Commercial real estate | 31,076 | 40,352 | 105 | 18,972 | ||||||||||||||||||||
Commercial & industrial | 7,335 | 31,253 | — | 3,134 | ||||||||||||||||||||
HELOC | 1,384 | 1,884 | — | 991 | ||||||||||||||||||||
Consumer | 634 | 651 | — | 136 | ||||||||||||||||||||
$ | 454,557 | $ | 510,623 | $ | 18,610 | -1 | $ | 425,267 | ||||||||||||||||
-1 | Includes $3,473,000 of specific reserves and $15,137,000 included in the general reserves. | |||||||||||||||||||||||
Fair_Value_Measurements_Tables
Fair Value Measurements (Tables) | 6 Months Ended | ||||||||||||||||||||||||
Mar. 31, 2014 | |||||||||||||||||||||||||
Fair Value Disclosures [Abstract] | ' | ||||||||||||||||||||||||
Fair Value of Assets Measured on Recurring Basis | ' | ||||||||||||||||||||||||
The following tables present the balance of assets measured at fair value on a recurring basis at March 31, 2014 and September 30, 2013: | |||||||||||||||||||||||||
Fair Value at March 31, 2014 | |||||||||||||||||||||||||
Level 1 | Level 2 | Level 3 | Total | ||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||
Available-for-sale securities | |||||||||||||||||||||||||
Equity securities | $ | 101,496 | $ | — | $ | — | $ | 101,496 | |||||||||||||||||
Obligations of U.S. government | — | 782,257 | — | 782,257 | |||||||||||||||||||||
Obligations of states and political subdivisions | — | 22,912 | — | 22,912 | |||||||||||||||||||||
Corporate debt securities | — | 434,570 | — | 434,570 | |||||||||||||||||||||
Mortgage-backed securities | — | ||||||||||||||||||||||||
Agency pass-through certificates | — | 1,709,873 | — | 1,709,873 | |||||||||||||||||||||
Other Commercial MBS | — | 59,467 | — | 59,467 | |||||||||||||||||||||
Balance at end of period | $ | 101,496 | $ | 3,009,079 | $ | — | $ | 3,110,575 | |||||||||||||||||
There were no transfers between, into and/or out of Levels 1, 2 or 3 during the quarter ended March 31, 2014. | |||||||||||||||||||||||||
Fair Value at September 30, 2013 | |||||||||||||||||||||||||
Level 1 | Level 2 | Level 3 | Total | ||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||
Available-for-sale securities | |||||||||||||||||||||||||
Equity securities | $ | 101,237 | $ | — | $ | — | $ | 101,237 | |||||||||||||||||
Obligations of U.S. government | — | 533,975 | — | 533,975 | |||||||||||||||||||||
Obligations of states and political subdivisions | — | 22,545 | — | 22,545 | |||||||||||||||||||||
Corporate debt securities | — | 452,015 | — | 452,015 | |||||||||||||||||||||
Mortgage-backed securities | |||||||||||||||||||||||||
Agency pass-through certificates | — | 1,251,176 | — | 1,251,176 | |||||||||||||||||||||
Balance at end of period | $ | 101,237 | $ | 2,259,711 | $ | — | $ | 2,360,948 | |||||||||||||||||
Aggregated Balance of Assets Measured at Estimated Fair Value on a Nonrecurring Basis and Total Losses Resulting from Those Fair Value Adjustments | ' | ||||||||||||||||||||||||
The following tables present the aggregated balance of assets measured at estimated fair value on a nonrecurring basis through the six months ended March 31, 2014 and March 31, 2013, and the total losses (gains) resulting from those fair value adjustments for the quarters and six months ended March 31, 2014 and March 31, 2013. These estimated fair values are shown gross of estimated selling costs. | |||||||||||||||||||||||||
Six Months Ended March 31, 2014 | Quarter | Six Months | |||||||||||||||||||||||
Ended | Ended March 31, 2014 | ||||||||||||||||||||||||
31-Mar-14 | |||||||||||||||||||||||||
Level 1 | Level 2 | Level 3 | Total | Total Losses (Gains) | |||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||
Impaired loans (1) | $ | — | $ | — | $ | 7,066 | $ | 7,066 | $ | 269 | $ | (536 | ) | ||||||||||||
Covered REO (2) | — | — | 2,760 | 2,760 | 64 | 129 | |||||||||||||||||||
Real estate held for sale (2) | — | — | 26,725 | 26,725 | 2,657 | 6,382 | |||||||||||||||||||
Balance at end of period | $ | — | $ | — | $ | 36,551 | $ | 36,551 | $ | 2,990 | $ | 5,975 | |||||||||||||
Six Months Ended March 31, 2013 | Quarter | Six Months | |||||||||||||||||||||||
Ended | Ended March 31, 2013 | ||||||||||||||||||||||||
31-Mar-13 | |||||||||||||||||||||||||
Level 1 | Level 2 | Level 3 | Total | Total Losses | |||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||
Impaired loans (1) | $ | — | $ | — | $ | 45,966 | $ | 45,966 | $ | 1,225 | $ | 11,038 | |||||||||||||
Covered REO (2) | — | — | 13,988 | 13,988 | 281 | 372 | |||||||||||||||||||
Real estate held for sale (2) | — | — | 54,069 | 54,069 | 6,488 | 14,024 | |||||||||||||||||||
Balance at end of period | $ | — | $ | — | $ | 114,023 | $ | 114,023 | $ | 7,994 | $ | 25,434 | |||||||||||||
___________________ | |||||||||||||||||||||||||
-1 | The losses represents remeasurements of collateral-dependent loans. | ||||||||||||||||||||||||
-2 | The losses represents aggregate writedowns and charge-offs on real estate held for sale. | ||||||||||||||||||||||||
Fair Value of Financial Instruments by Balance Sheet Grouping | ' | ||||||||||||||||||||||||
Although management is not aware of any factors that would materially affect the estimated fair value amounts presented below, such amounts have not been comprehensively revalued for purposes of these financial statements since the dates shown, and therefore, estimates of fair value subsequent to those dates may differ significantly from the amounts presented below. | |||||||||||||||||||||||||
March 31, 2014 | September 30, 2013 | ||||||||||||||||||||||||
Level in Fair Value Hierarchy | Carrying | Estimated | Carrying | Estimated | |||||||||||||||||||||
Amount | Fair Value | Amount | Fair Value | ||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||
Financial assets | |||||||||||||||||||||||||
Cash and cash equivalents | 1 | $ | 608,236 | $ | 608,236 | $ | 203,563 | $ | 203,563 | ||||||||||||||||
Available-for-sale securities | |||||||||||||||||||||||||
Equity securities | 1 | 101,496 | 101,496 | 101,237 | 101,237 | ||||||||||||||||||||
Obligations of U.S. government | 2 | 782,257 | 782,257 | 533,975 | 533,975 | ||||||||||||||||||||
Obligations of states and political subdivisions | 2 | 22,912 | 22,912 | 22,545 | 22,545 | ||||||||||||||||||||
Corporate debt securities | 2 | 434,570 | 434,570 | 452,015 | 452,015 | ||||||||||||||||||||
Mortgage-backed securities | |||||||||||||||||||||||||
Agency pass-through certificates | 2 | 1,709,873 | 1,709,873 | 1,251,176 | 1,251,176 | ||||||||||||||||||||
Other Commercial MBS | 2 | 59,467 | 59,467 | — | — | ||||||||||||||||||||
Total available-for-sale securities | 3,110,575 | 3,110,575 | 2,360,948 | 2,360,948 | |||||||||||||||||||||
Held-to-maturity securities | 2 | ||||||||||||||||||||||||
Total held-to-maturity securities | 1,611,303 | 1,527,531 | 1,654,666 | 1,582,849 | |||||||||||||||||||||
Loans receivable | 3 | 7,737,109 | 8,205,310 | 7,528,030 | 8,070,279 | ||||||||||||||||||||
Covered loans | 3 | 229,605 | 233,275 | 295,947 | 300,610 | ||||||||||||||||||||
FDIC indemnification asset | 3 | 53,289 | 52,408 | 64,615 | 62,300 | ||||||||||||||||||||
FHLB and FRB stock | 2 | 167,174 | 167,174 | 173,009 | 173,009 | ||||||||||||||||||||
Financial liabilities | |||||||||||||||||||||||||
Customer accounts | 2 | 10,344,891 | 9,720,995 | 9,090,271 | 8,585,068 | ||||||||||||||||||||
FHLB advances and other borrowings | 2 | 1,930,000 | 2,056,430 | 1,930,000 | 2,064,248 | ||||||||||||||||||||
The following table presents the fair value and balance sheet classification of derivatives not designated as hedging instruments at March 31, 2014 and September 30, 2013: | |||||||||||||||||||||||||
Asset Derivatives | Liability Derivatives | ||||||||||||||||||||||||
March 31, 2014 | September 30, 2013 | March 31, 2014 | September 30, 2013 | ||||||||||||||||||||||
Balance Sheet | Balance Sheet | Balance Sheet | Balance Sheet | ||||||||||||||||||||||
Location | Fair Value | Location | Fair Value | Location | Fair Value | Location | Fair Value | ||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||
Interest rate contracts | Other assets | $ | 322 | Other assets | $ | 7 | Other liabilities | $ | 322 | Other liabilities | $ | 7 | |||||||||||||
Commitments to purchase MBS | AFS securities | — | AFS securities | $ | 3,188 | N/A | N/A | N/A | N/A | ||||||||||||||||
Reconciliation of Amortized Cost to Fair Value of Available-for-Sale and Held-to-Maturity Securities | ' | ||||||||||||||||||||||||
The following tables provide a reconciliation of amortized cost to fair value of available-for-sale and held-to-maturity securities as of March 31, 2014 and September 30, 2013: | |||||||||||||||||||||||||
March 31, 2014 | |||||||||||||||||||||||||
Amortized | Gross Unrealized | Fair | Yield | ||||||||||||||||||||||
Cost | Gains | Losses | Value | ||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||
Available-for-sale securities | |||||||||||||||||||||||||
U.S. government and agency securities due | |||||||||||||||||||||||||
1 to 5 years | $ | 111,002 | $ | 2,933 | $ | (1,035 | ) | $ | 112,900 | 1.58 | |||||||||||||||
5 to 10 years | 143,562 | 863 | (244 | ) | 144,181 | 1.55 | |||||||||||||||||||
Over 10 years | 524,826 | 1,284 | (934 | ) | 525,176 | 1.51 | |||||||||||||||||||
Equity Securities | |||||||||||||||||||||||||
Within 1 year | 500 | 6 | — | 506 | 2.17 | ||||||||||||||||||||
1 to 5 years | 100,000 | 990 | — | 100,990 | 1.8 | ||||||||||||||||||||
5 to 10 years | — | — | — | — | — | ||||||||||||||||||||
Corporate bonds due | |||||||||||||||||||||||||
Within 1 year | — | — | — | — | — | ||||||||||||||||||||
1 to 5 years | 317,365 | 2,785 | — | 320,150 | 0.75 | ||||||||||||||||||||
5 to 10 years | 113,130 | 1,465 | (175 | ) | 114,420 | 1.53 | |||||||||||||||||||
Municipal bonds due | |||||||||||||||||||||||||
Over 10 years | 20,412 | 2,500 | — | 22,912 | 6.45 | ||||||||||||||||||||
Mortgage-backed securities | |||||||||||||||||||||||||
Agency pass-through certificates | 1,703,893 | 10,746 | (4,766 | ) | 1,709,873 | 2.59 | |||||||||||||||||||
Other Commercial MBS | 59,300 | 167 | — | 59,467 | 1.69 | ||||||||||||||||||||
3,093,990 | 23,739 | (7,154 | ) | 3,110,575 | 2.09 | ||||||||||||||||||||
Held-to-maturity securities | |||||||||||||||||||||||||
Mortgage-backed securities | |||||||||||||||||||||||||
Agency pass-through certificates | 1,611,303 | 1,619 | (85,391 | ) | 1,527,531 | 3.13 | |||||||||||||||||||
$ | 4,705,293 | $ | 25,358 | $ | (92,545 | ) | $ | 4,638,106 | 2.44 | % | |||||||||||||||
September 30, 2013 | |||||||||||||||||||||||||
Amortized | Gross Unrealized | Fair | Yield | ||||||||||||||||||||||
Cost | Gains | Losses | Value | ||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||
Available-for-sale securities | |||||||||||||||||||||||||
U.S. government and agency securities due | |||||||||||||||||||||||||
1 to 5 years | $ | 61,002 | $ | 3,393 | $ | (252 | ) | $ | 64,143 | 1.98 | |||||||||||||||
5 to 10 years | 129,219 | — | (1,547 | ) | 127,672 | 0.86 | |||||||||||||||||||
Over 10 years | 344,571 | — | (2,411 | ) | 342,160 | 0.93 | |||||||||||||||||||
Equity Securities | |||||||||||||||||||||||||
1 to 5 years | 500 | 11 | — | 511 | 2.17 | ||||||||||||||||||||
5 to 10 years | 100,000 | 726 | — | 100,726 | 1.8 | ||||||||||||||||||||
Corporate bonds due | |||||||||||||||||||||||||
Within 1 year | 19,500 | 3 | — | 19,503 | 0.49 | ||||||||||||||||||||
1 to 5 years | 317,190 | 1,980 | (130 | ) | 319,040 | 0.75 | |||||||||||||||||||
5 to 10 years | 113,060 | 1,180 | (768 | ) | 113,472 | 1.53 | |||||||||||||||||||
Municipal bonds due | |||||||||||||||||||||||||
Over 10 years | 20,422 | 2,123 | — | 22,545 | 6.45 | ||||||||||||||||||||
Mortgage-backed securities | |||||||||||||||||||||||||
Agency pass-through certificates | 1,245,400 | 10,270 | (4,494 | ) | 1,251,176 | 2.18 | |||||||||||||||||||
2,350,864 | 19,686 | (9,602 | ) | 2,360,948 | 1.7 | ||||||||||||||||||||
Mortgage-backed securities | |||||||||||||||||||||||||
Agency pass-through certificates | 1,654,666 | 3,387 | (75,204 | ) | 1,582,849 | 3.14 | |||||||||||||||||||
$ | 4,005,530 | $ | 23,073 | $ | (84,806 | ) | $ | 3,943,797 | 2.3 | % | |||||||||||||||
Schedule of Unrealized Losses and Fair Value of Securities | ' | ||||||||||||||||||||||||
The following tables indicate the total unrealized gross losses in the securities portfolio (shown above). The unrealized gross losses and fair value of securities as of March 31, 2014 and September 30, 2013 are also shown by the length of time that individual securities in each category have been in a continuous loss position. Management believes that the declines in fair value of these investments are not an other than temporary impairment. | |||||||||||||||||||||||||
31-Mar-14 | Less than 12 months | 12 months or more | Total | ||||||||||||||||||||||
Unrealized | Fair | Unrealized | Fair | Unrealized | Fair | ||||||||||||||||||||
Gross Losses | Value | Gross Losses | Value | Gross Losses | Value | ||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||
Corporate bonds due | $ | (100 | ) | $ | 49,900 | $ | (76 | ) | $ | 9,925 | $ | (176 | ) | $ | 59,825 | ||||||||||
U.S. government and agency securities due | (2,158 | ) | 256,389 | (55 | ) | 12,083 | (2,213 | ) | 268,472 | ||||||||||||||||
Agency pass-through certificates | (37,918 | ) | 1,112,954 | (52,238 | ) | 934,305 | (90,156 | ) | 2,047,259 | ||||||||||||||||
$ | (40,176 | ) | $ | 1,419,243 | $ | (52,369 | ) | $ | 956,313 | $ | (92,545 | ) | $ | 2,375,556 | |||||||||||
30-Sep-13 | Less than 12 months | 12 months or more | Total | ||||||||||||||||||||||
Unrealized | Fair | Unrealized | Fair | Unrealized | Fair | ||||||||||||||||||||
Gross Losses | Value | Gross Losses | Value | Gross Losses | Value | ||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||
Corporate bonds due | $ | (660 | ) | $ | 52,434 | $ | (238 | ) | $ | 9,763 | $ | (898 | ) | $ | 62,197 | ||||||||||
U.S. government and agency securities due | (4,144 | ) | 309,109 | (66 | ) | 14,091 | (4,210 | ) | 323,200 | ||||||||||||||||
Agency pass-through certificates | (78,291 | ) | 1,703,948 | (1,407 | ) | 166,503 | (79,698 | ) | 1,870,451 | ||||||||||||||||
$ | (83,095 | ) | $ | 2,065,491 | $ | (1,711 | ) | $ | 190,357 | $ | (84,806 | ) | $ | 2,255,848 | |||||||||||
Covered_Assets_Tables
Covered Assets (Tables) | 6 Months Ended | ||||||||||||||||||||||||||
Mar. 31, 2014 | |||||||||||||||||||||||||||
Covered Assets [Abstract] | ' | ||||||||||||||||||||||||||
Schedule of Changes in Carrying Amount and Accretable Yield of Assets | ' | ||||||||||||||||||||||||||
Changes in the net carrying amount and accretable yield for acquired impaired and non-impaired covered loans for the year to date period ended March 31, 2014 and the fiscal year ended September 30, 2013 were as follows: | |||||||||||||||||||||||||||
March 31, 2014 | Acquired Impaired | Acquired Non-impaired | |||||||||||||||||||||||||
Accretable | Net Carrying | Accretable | Net Carrying | ||||||||||||||||||||||||
Yield | Amount of | Yield | Amount of | ||||||||||||||||||||||||
Loans | Loans | ||||||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Balance at beginning of period | $ | 78,277 | $ | 138,091 | $ | 17,263 | $ | 157,856 | |||||||||||||||||||
Reclassification from nonaccretable balance, net (1) | 5,885 | (2,069 | ) | — | — | ||||||||||||||||||||||
Accretion | (15,655 | ) | 15,655 | (3,475 | ) | 3,475 | |||||||||||||||||||||
Transfers to REO | — | (678 | ) | — | — | ||||||||||||||||||||||
Payments received, net | — | (50,394 | ) | — | (32,331 | ) | |||||||||||||||||||||
Balance at end of period | $ | 68,507 | $ | 100,605 | $ | 13,788 | $ | 129,000 | |||||||||||||||||||
(1) reclassification due to improvements/impairments in expected cash flows of the underlying pools. | |||||||||||||||||||||||||||
30-Sep-13 | Acquired Impaired | Acquired Non-impaired | |||||||||||||||||||||||||
Accretable | Net Carrying | Accretable | Carrying | ||||||||||||||||||||||||
Yield | Amount of | Yield | Amount of | ||||||||||||||||||||||||
Loans | Loans | ||||||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Balance at beginning of period | $ | 50,902 | $ | 74,953 | $ | 23,789 | $ | 213,423 | |||||||||||||||||||
Additions (1) | 43,299 | 107,946 | — | — | |||||||||||||||||||||||
Reclassification from nonaccretable balance, net (2) | 17,850 | — | — | — | |||||||||||||||||||||||
Accretion | (33,774 | ) | 33,774 | (6,526 | ) | 6,526 | |||||||||||||||||||||
Transfers to REO | — | (11,196 | ) | — | — | ||||||||||||||||||||||
Payments received, net | — | (67,386 | ) | — | (62,093 | ) | |||||||||||||||||||||
Balance at end of period | $ | 78,277 | $ | 138,091 | $ | 17,263 | $ | 157,856 | |||||||||||||||||||
(1) includes FDIC covered loans which were acquired as part of the South Valley Bank acquisition. | |||||||||||||||||||||||||||
(2) reclassification due to improvements/impairments in expected cash flows of the underlying pools. | |||||||||||||||||||||||||||
Schedule of Activity for FDIC Indemnification Asset | ' | ||||||||||||||||||||||||||
The following table shows the year to date activity for the FDIC indemnification asset: | |||||||||||||||||||||||||||
March 31, 2014 | September 30, 2013 | ||||||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Balance at beginning of fiscal year 2014 and 2013 | $ | 64,615 | $ | 87,571 | |||||||||||||||||||||||
Additions (1) | 1,896 | 18,101 | |||||||||||||||||||||||||
Payments made (received) | (1,629 | ) | (13,421 | ) | |||||||||||||||||||||||
Amortization | (12,007 | ) | (28,722 | ) | |||||||||||||||||||||||
Accretion | 414 | 1,086 | |||||||||||||||||||||||||
Balance at end of period | $ | 53,289 | $ | 64,615 | |||||||||||||||||||||||
(1) Includes FDIC covered loans which were acquired as part of the South Valley Bank acquisition in 2013. | |||||||||||||||||||||||||||
Summary of Loans Based on Credit Quality Indicators | ' | ||||||||||||||||||||||||||
The following tables provide information on loans based on credit quality indicators (defined above) as of March 31, 2014 and September 30, 2013. | |||||||||||||||||||||||||||
Credit Risk Profile by Internally Assigned Grade (excludes covered loans): | |||||||||||||||||||||||||||
March 31, 2014 | Internally Assigned Grade | Total | |||||||||||||||||||||||||
Pass | Special mention | Substandard | Doubtful | Loss | Gross Loans | ||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Non-acquired loans | |||||||||||||||||||||||||||
Single-family residential | $ | 5,282,350 | $ | 3,009 | $ | 163,228 | $ | — | $ | — | $ | 5,448,587 | |||||||||||||||
Construction - speculative | 119,429 | — | 15,572 | — | — | 135,001 | |||||||||||||||||||||
Construction - custom | 354,279 | — | — | — | — | 354,279 | |||||||||||||||||||||
Land - acquisition & development | 64,579 | — | 9,576 | — | — | 74,155 | |||||||||||||||||||||
Land - consumer lot loans | 113,160 | — | 463 | — | — | 113,623 | |||||||||||||||||||||
Multi-family | 859,295 | 1,825 | 4,977 | — | — | 866,097 | |||||||||||||||||||||
Commercial real estate | 419,914 | 17,526 | 16,806 | — | — | 454,246 | |||||||||||||||||||||
Commercial & industrial | 255,607 | 19,668 | 1,797 | 37 | — | 277,109 | |||||||||||||||||||||
HELOC | 112,549 | — | — | — | — | 112,549 | |||||||||||||||||||||
Consumer | 41,077 | — | 262 | — | — | 41,339 | |||||||||||||||||||||
7,622,239 | 42,028 | 212,681 | 37 | — | 7,876,985 | ||||||||||||||||||||||
Non-impaired acquired loans | |||||||||||||||||||||||||||
Single-family residential | 13,177 | — | — | — | — | 13,177 | |||||||||||||||||||||
Construction - speculative | — | — | — | — | — | — | |||||||||||||||||||||
Construction - custom | — | — | — | — | — | — | |||||||||||||||||||||
Land - acquisition & development | 726 | — | 409 | — | — | 1,135 | |||||||||||||||||||||
Land - consumer lot loans | 3,116 | — | 125 | — | — | 3,241 | |||||||||||||||||||||
Multi-family | 3,402 | — | 136 | — | — | 3,538 | |||||||||||||||||||||
Commercial real estate | 93,378 | 3,473 | 15,235 | 3 | — | 112,089 | |||||||||||||||||||||
Commercial & industrial | 51,471 | 13,726 | 4,638 | 37 | — | 69,872 | |||||||||||||||||||||
HELOC | 8,624 | — | — | — | — | 8,624 | |||||||||||||||||||||
Consumer | 6,465 | — | 377 | — | — | 6,842 | |||||||||||||||||||||
180,359 | 17,199 | 20,920 | 40 | — | 218,518 | ||||||||||||||||||||||
Credit-impaired acquired loans | |||||||||||||||||||||||||||
Pool 1 - Construction and land A&D | 1,387 | — | 371 | — | — | 1,758 | |||||||||||||||||||||
Pool 2 - Single-family residential | 329 | — | — | — | — | 329 | |||||||||||||||||||||
Pool 3 - Multi-family | — | — | — | — | — | — | |||||||||||||||||||||
Pool 4 - HELOC & other consumer | 10,335 | — | 403 | — | — | 10,738 | |||||||||||||||||||||
Pool 5 - Commercial real estate | 50,768 | 2,168 | 15,186 | — | — | 68,122 | |||||||||||||||||||||
Pool 6 - Commercial & industrial | 1,126 | 3,598 | — | — | — | 4,724 | |||||||||||||||||||||
Total credit impaired acquired loans | 63,945 | 5,766 | 15,960 | — | — | 85,671 | |||||||||||||||||||||
Total gross loans | $ | 7,866,543 | $ | 64,993 | $ | 249,561 | $ | 77 | $ | — | $ | 8,181,174 | |||||||||||||||
Total grade as a % of total gross loans | 96.2 | % | 0.8 | % | 3 | % | — | % | — | % | |||||||||||||||||
September 30, 2013 | Internally Assigned Grade | Total | |||||||||||||||||||||||||
Pass | Special mention | Substandard | Doubtful | Loss | Gross Loans | ||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Non-acquired loans | |||||||||||||||||||||||||||
Single-family residential | $ | 5,184,101 | $ | 4,595 | $ | 170,453 | $ | — | $ | — | $ | 5,359,149 | |||||||||||||||
Construction - speculative | 99,436 | 3,199 | 28,143 | — | — | 130,778 | |||||||||||||||||||||
Construction - custom | 302,722 | — | — | — | — | 302,722 | |||||||||||||||||||||
Land - acquisition & development | 64,355 | 775 | 12,645 | — | — | 77,775 | |||||||||||||||||||||
Land - consumer lot loans | 121,039 | — | 632 | — | — | 121,671 | |||||||||||||||||||||
Multi-family | 819,911 | 2,114 | 9,659 | — | — | 831,684 | |||||||||||||||||||||
Commercial real estate | 373,012 | 21,652 | 20,297 | — | — | 414,961 | |||||||||||||||||||||
Commercial & industrial | 240,441 | 1,049 | 1,709 | — | — | 243,199 | |||||||||||||||||||||
HELOC | 112,186 | — | — | — | — | 112,186 | |||||||||||||||||||||
Consumer | 46,720 | — | 421 | — | — | 47,141 | |||||||||||||||||||||
7,363,923 | $ | 33,384 | $ | 243,959 | $ | — | $ | — | $ | 7,641,266 | |||||||||||||||||
Non-impaired acquired loans | |||||||||||||||||||||||||||
Single-family residential | 14,468 | — | — | — | — | 14,468 | |||||||||||||||||||||
Construction - speculative | — | — | — | — | — | — | |||||||||||||||||||||
Construction - custom | — | — | — | — | — | — | |||||||||||||||||||||
Land - acquisition & development | 312 | — | 1,177 | — | — | 1,489 | |||||||||||||||||||||
Land - consumer lot loans | 3,313 | — | — | — | — | 3,313 | |||||||||||||||||||||
Multi-family | 3,227 | — | 687 | — | — | 3,914 | |||||||||||||||||||||
Commercial real estate | 105,055 | 4,190 | 24,178 | — | — | 133,423 | |||||||||||||||||||||
Commercial & industrial | 64,933 | 1,309 | 9,084 | — | — | 75,326 | |||||||||||||||||||||
HELOC | 10,179 | — | — | — | — | 10,179 | |||||||||||||||||||||
Consumer | 8,267 | — | — | — | — | 8,267 | |||||||||||||||||||||
209,754 | 5,499 | 35,126 | — | — | 250,379 | ||||||||||||||||||||||
Credit-impaired acquired loans | |||||||||||||||||||||||||||
Pool 1 - Construction and land A&D | 980 | 461 | 955 | — | — | 2,396 | |||||||||||||||||||||
Pool 2 - Single-family residential | 333 | — | — | — | — | 333 | |||||||||||||||||||||
Pool 3 - Multi-family | — | — | — | — | — | — | |||||||||||||||||||||
Pool 4 - HELOC & other consumer | 11,337 | — | — | — | — | 11,337 | |||||||||||||||||||||
Pool 5 - Commercial real estate | 52,509 | 3,155 | 21,245 | — | — | 76,909 | |||||||||||||||||||||
Pool 6 - Commercial & industrial | 881 | — | 7,044 | — | — | 7,925 | |||||||||||||||||||||
Total credit impaired acquired loans | 66,040 | 3,616 | 29,244 | — | — | 98,900 | |||||||||||||||||||||
Total gross loans | $ | 7,639,717 | $ | 42,499 | $ | 308,329 | $ | — | $ | — | $ | 7,990,545 | |||||||||||||||
Total grade as a % of total gross loans | 95.6 | % | 0.5 | % | 3.9 | % | — | % | — | % | |||||||||||||||||
Credit Risk Profile Based on Payment Activity (excludes acquired and covered loans): | |||||||||||||||||||||||||||
March 31, 2014 | Performing Loans | Non-Performing Loans | |||||||||||||||||||||||||
Amount | % of Total | Amount | % of Total | ||||||||||||||||||||||||
Gross Loans | Gross Loans | ||||||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Single-family residential | $ | 5,366,847 | 98.5 | % | $ | 81,740 | 1.5 | % | |||||||||||||||||||
Construction - speculative | 132,869 | 98.4 | 2,132 | 1.6 | |||||||||||||||||||||||
Construction - custom | 354,014 | 99.9 | 265 | 0.1 | |||||||||||||||||||||||
Land - acquisition & development | 72,042 | 97.2 | 2,113 | 2.8 | |||||||||||||||||||||||
Land - consumer lot loans | 110,616 | 97.4 | 3,007 | 2.6 | |||||||||||||||||||||||
Multi-family | 863,898 | 99.7 | 2,199 | 0.3 | |||||||||||||||||||||||
Commercial real estate | 447,145 | 98.4 | 7,101 | 1.6 | |||||||||||||||||||||||
Commercial & industrial | 276,530 | 99.8 | 579 | 0.2 | |||||||||||||||||||||||
HELOC | 112,108 | 99.6 | 441 | 0.4 | |||||||||||||||||||||||
Consumer | 40,718 | 98.5 | 621 | 1.5 | |||||||||||||||||||||||
$ | 7,776,787 | 98.7 | % | $ | 100,198 | 1.3 | % | ||||||||||||||||||||
30-Sep-13 | Performing Loans | Non-Performing Loans | |||||||||||||||||||||||||
Amount | % of Total | Amount | % of Total | ||||||||||||||||||||||||
Gross Loans | Gross Loans | ||||||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Single-family residential | $ | 5,258,688 | 98.1 | % | $ | 100,460 | 1.9 | % | |||||||||||||||||||
Construction - speculative | 126,218 | 96.5 | 4,560 | 3.5 | |||||||||||||||||||||||
Construction - custom | 302,722 | 100 | — | — | |||||||||||||||||||||||
Land - acquisition & development | 74,872 | 96.3 | 2,903 | 3.7 | |||||||||||||||||||||||
Land - consumer lot loans | 118,334 | 97.3 | 3,337 | 2.7 | |||||||||||||||||||||||
Multi-family | 825,111 | 99.2 | 6,573 | 0.8 | |||||||||||||||||||||||
Commercial real estate | 389,423 | 97.1 | 11,736 | 2.9 | |||||||||||||||||||||||
Commercial & industrial | 256,525 | 99.8 | 477 | 0.2 | |||||||||||||||||||||||
HELOC | 111,923 | 99.8 | 263 | 0.2 | |||||||||||||||||||||||
Consumer | 46,151 | 97.9 | 990 | 0.2 | |||||||||||||||||||||||
$ | 7,509,967 | 98.3 | % | $ | 131,299 | 1.7 | % | ||||||||||||||||||||
The following tables provide information on covered loans based on credit quality indicators (defined in Note E ) as of March 31, 2014 and September 30, 2013: | |||||||||||||||||||||||||||
March 31, 2014 | Internally Assigned Grade | Total | |||||||||||||||||||||||||
Pass | Special mention | Substandard | Doubtful | Loss | Net Loans | ||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Acquired non-impaired loans: | |||||||||||||||||||||||||||
Single-family residential | $ | 23,060 | $ | — | $ | 2,462 | $ | — | $ | — | $ | 25,522 | |||||||||||||||
Construction - speculative | — | — | — | — | — | — | |||||||||||||||||||||
Construction - custom | — | — | — | — | — | — | |||||||||||||||||||||
Land - acquisition & development | 2,267 | — | 716 | — | — | 2,983 | |||||||||||||||||||||
Land - consumer lot loans | 74 | — | 34 | — | — | 108 | |||||||||||||||||||||
Multi-family | 16,814 | — | — | — | — | 16,814 | |||||||||||||||||||||
Commercial real estate | 40,675 | 157 | 26,854 | — | — | 67,686 | |||||||||||||||||||||
Commercial & industrial | 4,041 | — | 3,226 | — | — | 7,267 | |||||||||||||||||||||
HELOC | 13,294 | — | 39 | — | — | 13,333 | |||||||||||||||||||||
Consumer | 534 | — | — | — | — | 534 | |||||||||||||||||||||
100,759 | 157 | 33,331 | — | — | 134,247 | ||||||||||||||||||||||
Total grade as a % of total net loans | 75.1 | % | 0.1 | % | 24.8 | % | — | % | — | % | |||||||||||||||||
Acquired credit-impaired loans: | |||||||||||||||||||||||||||
Pool 1 - Construction and land A&D | 14,266 | — | 24,493 | — | — | 38,759 | |||||||||||||||||||||
Pool 2 - Single-family residential | 19,010 | — | 982 | — | — | 19,992 | |||||||||||||||||||||
Pool 3 - Multi-family | 55 | — | 1,026 | — | — | 1,081 | |||||||||||||||||||||
Pool 4 - HELOC & other consumer | 3,338 | — | 2,289 | — | — | 5,627 | |||||||||||||||||||||
Pool 5 - Commercial real estate | 36,352 | 3,992 | 36,528 | — | — | 76,872 | |||||||||||||||||||||
Pool 6 - Commercial & industrial | 4,977 | 437 | 3,235 | 542 | — | 9,191 | |||||||||||||||||||||
$ | 77,998 | $ | 4,429 | $ | 68,553 | $ | 542 | $ | — | 151,522 | |||||||||||||||||
Total covered loans | 285,769 | ||||||||||||||||||||||||||
Discount | (54,095 | ) | |||||||||||||||||||||||||
Allowance | (2,069 | ) | |||||||||||||||||||||||||
Covered loans, net | $ | 229,605 | |||||||||||||||||||||||||
September 30, 2013 | Internally Assigned Grade | Total | |||||||||||||||||||||||||
Pass | Special mention | Substandard | Doubtful | Loss | Net Loans | ||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||||
Acquired non-impaired loans: | |||||||||||||||||||||||||||
Single-family residential | $ | 26,426 | $ | — | $ | 2,034 | $ | — | $ | — | $ | 28,460 | |||||||||||||||
Construction - speculative | — | — | — | — | — | — | |||||||||||||||||||||
Construction - custom | — | — | — | — | — | — | |||||||||||||||||||||
Land - acquisition & development | 3,069 | 1,019 | 722 | — | — | 4,810 | |||||||||||||||||||||
Land - consumer lot loans | 245 | — | — | — | — | 245 | |||||||||||||||||||||
Multi-family | 17,217 | — | 1,635 | — | — | 18,852 | |||||||||||||||||||||
Commercial real estate | 56,120 | 9,235 | 24,144 | — | — | 89,499 | |||||||||||||||||||||
Commercial & industrial | 5,175 | 500 | 3,741 | — | — | 9,416 | |||||||||||||||||||||
HELOC | 14,750 | — | — | — | — | 14,750 | |||||||||||||||||||||
Consumer | 604 | — | — | — | — | 604 | |||||||||||||||||||||
123,606 | 10,754 | 32,276 | — | — | 166,636 | ||||||||||||||||||||||
Total grade as a % of total net loans | 74.2 | % | 6.4 | % | 19.4 | % | — | % | — | % | |||||||||||||||||
Acquired credit-impaired loans: | |||||||||||||||||||||||||||
Pool 1 - Construction and land A&D | 14,361 | 4,296 | 25,363 | — | — | 44,020 | |||||||||||||||||||||
Pool 2 - Single-family residential | 21,541 | — | — | — | — | 21,541 | |||||||||||||||||||||
Pool 3 - Multi-family | 4,131 | — | 1,100 | — | — | 5,231 | |||||||||||||||||||||
Pool 4 - HELOC & other consumer | 4,111 | — | 1,880 | — | — | 5,991 | |||||||||||||||||||||
Pool 5 - Commercial real estate | 36,494 | 15,113 | 53,946 | — | — | 105,553 | |||||||||||||||||||||
Pool 6 - Commercial & industrial | 4,265 | 204 | 8,807 | — | — | 13,276 | |||||||||||||||||||||
$ | 84,903 | $ | 19,613 | $ | 91,096 | $ | — | $ | — | 195,612 | |||||||||||||||||
Total covered loans | 362,248 | ||||||||||||||||||||||||||
Discount | (66,301 | ) | |||||||||||||||||||||||||
Allowance | — | ||||||||||||||||||||||||||
Covered loans, net | $ | 295,947 | |||||||||||||||||||||||||
Analysis of Age of Purchased Non-Credit Impaired Loans In Past Due Status | ' | ||||||||||||||||||||||||||
The following tables provide an analysis of the age of acquired non credit-impaired covered loans in past due status as of March 31, 2014 and September 30, 2013: | |||||||||||||||||||||||||||
March 31, 2014 | Amount of Loans | Days Delinquent Based on $ Amount of Loans | % based | ||||||||||||||||||||||||
Type of Loans | Net of LIP & Chg.-Offs | Current | 30 | 60 | 90 | Total | on $ | ||||||||||||||||||||
Single-Family Residential | $ | 25,522 | $ | 23,543 | $ | 281 | $ | 63 | $ | 1,635 | $ | 1,979 | 7.75 | % | |||||||||||||
Construction - Speculative | — | — | — | — | — | — | NM | ||||||||||||||||||||
Construction - Custom | — | — | — | — | — | — | NM | ||||||||||||||||||||
Land - Acquisition & Development | 2,983 | 2,947 | — | — | 36 | 36 | 1.21 | ||||||||||||||||||||
Land - Consumer Lot Loans | 108 | 74 | — | — | 34 | 34 | 31.48 | ||||||||||||||||||||
Multi-Family | 16,814 | 16,814 | — | — | — | — | — | ||||||||||||||||||||
Commercial Real Estate | 67,686 | 66,136 | — | — | 1,550 | 1,550 | 2.29 | ||||||||||||||||||||
Commercial & Industrial | 7,267 | 7,173 | — | — | 94 | 94 | 1.29 | ||||||||||||||||||||
HELOC | 13,333 | 13,294 | — | — | 39 | 39 | 0.29 | ||||||||||||||||||||
Consumer | 534 | 534 | — | — | — | — | — | ||||||||||||||||||||
$ | 134,247 | $ | 130,515 | $ | 281 | $ | 63 | $ | 3,388 | $ | 3,732 | 2.78 | % | ||||||||||||||
September 30, 2013 | Amount of Loans | Days Delinquent Based on $ Amount of Loans | % based | ||||||||||||||||||||||||
Type of Loans | Net of LIP & Chg.-Offs | Current | 30 | 60 | 90 | Total | on $ | ||||||||||||||||||||
Single-Family Residential | $ | 28,460 | $ | 27,411 | $ | 78 | $ | — | $ | 971 | $ | 1,049 | 3.69 | % | |||||||||||||
Construction - Speculative | — | — | — | — | — | — | NM | ||||||||||||||||||||
Construction - Custom | — | — | — | — | — | — | NM | ||||||||||||||||||||
Land - Acquisition & Development | 4,810 | 4,774 | — | — | 36 | 36 | 0.75 | ||||||||||||||||||||
Land - Consumer Lot Loans | 245 | 199 | — | — | 46 | 46 | 18.78 | ||||||||||||||||||||
Multi-Family | 18,852 | 17,511 | — | — | 1,341 | 1,341 | 7.11 | ||||||||||||||||||||
Commercial Real Estate | 89,499 | 84,949 | 2,779 | 455 | 1,316 | 4,550 | 5.08 | ||||||||||||||||||||
Commercial & Industrial | 9,416 | 9,416 | — | — | — | — | — | ||||||||||||||||||||
HELOC | 14,750 | 14,334 | 103 | 74 | 239 | 416 | 2.82 | ||||||||||||||||||||
Consumer | 604 | 601 | 3 | — | — | 3 | 0.5 | ||||||||||||||||||||
$ | 166,636 | $ | 159,195 | $ | 2,963 | $ | 529 | $ | 3,949 | $ | 7,441 | 4.47 | % | ||||||||||||||
NM - not meaningful |
Derivatives_and_Hedging_Activi1
Derivatives and Hedging Activities (Tables) | 6 Months Ended | ||||||||||||||||||||||||
Mar. 31, 2014 | |||||||||||||||||||||||||
Derivative Instruments and Hedging Activities Disclosure [Abstract] | ' | ||||||||||||||||||||||||
Schedule of Fair Value and Balance Sheet Classification | ' | ||||||||||||||||||||||||
Although management is not aware of any factors that would materially affect the estimated fair value amounts presented below, such amounts have not been comprehensively revalued for purposes of these financial statements since the dates shown, and therefore, estimates of fair value subsequent to those dates may differ significantly from the amounts presented below. | |||||||||||||||||||||||||
March 31, 2014 | September 30, 2013 | ||||||||||||||||||||||||
Level in Fair Value Hierarchy | Carrying | Estimated | Carrying | Estimated | |||||||||||||||||||||
Amount | Fair Value | Amount | Fair Value | ||||||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||
Financial assets | |||||||||||||||||||||||||
Cash and cash equivalents | 1 | $ | 608,236 | $ | 608,236 | $ | 203,563 | $ | 203,563 | ||||||||||||||||
Available-for-sale securities | |||||||||||||||||||||||||
Equity securities | 1 | 101,496 | 101,496 | 101,237 | 101,237 | ||||||||||||||||||||
Obligations of U.S. government | 2 | 782,257 | 782,257 | 533,975 | 533,975 | ||||||||||||||||||||
Obligations of states and political subdivisions | 2 | 22,912 | 22,912 | 22,545 | 22,545 | ||||||||||||||||||||
Corporate debt securities | 2 | 434,570 | 434,570 | 452,015 | 452,015 | ||||||||||||||||||||
Mortgage-backed securities | |||||||||||||||||||||||||
Agency pass-through certificates | 2 | 1,709,873 | 1,709,873 | 1,251,176 | 1,251,176 | ||||||||||||||||||||
Other Commercial MBS | 2 | 59,467 | 59,467 | — | — | ||||||||||||||||||||
Total available-for-sale securities | 3,110,575 | 3,110,575 | 2,360,948 | 2,360,948 | |||||||||||||||||||||
Held-to-maturity securities | 2 | ||||||||||||||||||||||||
Total held-to-maturity securities | 1,611,303 | 1,527,531 | 1,654,666 | 1,582,849 | |||||||||||||||||||||
Loans receivable | 3 | 7,737,109 | 8,205,310 | 7,528,030 | 8,070,279 | ||||||||||||||||||||
Covered loans | 3 | 229,605 | 233,275 | 295,947 | 300,610 | ||||||||||||||||||||
FDIC indemnification asset | 3 | 53,289 | 52,408 | 64,615 | 62,300 | ||||||||||||||||||||
FHLB and FRB stock | 2 | 167,174 | 167,174 | 173,009 | 173,009 | ||||||||||||||||||||
Financial liabilities | |||||||||||||||||||||||||
Customer accounts | 2 | 10,344,891 | 9,720,995 | 9,090,271 | 8,585,068 | ||||||||||||||||||||
FHLB advances and other borrowings | 2 | 1,930,000 | 2,056,430 | 1,930,000 | 2,064,248 | ||||||||||||||||||||
The following table presents the fair value and balance sheet classification of derivatives not designated as hedging instruments at March 31, 2014 and September 30, 2013: | |||||||||||||||||||||||||
Asset Derivatives | Liability Derivatives | ||||||||||||||||||||||||
March 31, 2014 | September 30, 2013 | March 31, 2014 | September 30, 2013 | ||||||||||||||||||||||
Balance Sheet | Balance Sheet | Balance Sheet | Balance Sheet | ||||||||||||||||||||||
Location | Fair Value | Location | Fair Value | Location | Fair Value | Location | Fair Value | ||||||||||||||||||
(In thousands) | |||||||||||||||||||||||||
Interest rate contracts | Other assets | $ | 322 | Other assets | $ | 7 | Other liabilities | $ | 322 | Other liabilities | $ | 7 | |||||||||||||
Commitments to purchase MBS | AFS securities | — | AFS securities | $ | 3,188 | N/A | N/A | N/A | N/A | ||||||||||||||||
Summary_of_Significant_Account2
Summary of Significant Accounting Policies (Narrative) (Details) (USD $) | Mar. 31, 2014 | Sep. 30, 2013 |
In Thousands, unless otherwise specified | ||
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Loans in process (excluding covered loans) | $264,946 | $275,577 |
Loans and Leases Receivable [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Loans in process (excluding covered loans) | $545,000 | ' |
Acquisitions_Narrative_Details
Acquisitions (Narrative) (Details) (Bank of America, National Association [Member], USD $) | Mar. 31, 2014 | Dec. 06, 2013 | Oct. 31, 2013 |
branch | branch | ||
Bank of America, National Association [Member] | ' | ' | ' |
Business Acquisition [Line Items] | ' | ' | ' |
Number of branches acquired (in branches) | ' | 40 | 11 |
Deposits acquired | ' | $1,300,000,000 | ' |
Loans acquired | ' | 8,000,000 | ' |
Property and equipment, net | 17,388,000 | 17,000,000 | ' |
Premium on deposits | ' | 2.60% | ' |
Cash | $1,254,517,000 | $1,300,000,000 | ' |
Acquisitions_Schedule_of_Net_L
Acquisitions (Schedule of Net Liabilities Acquired) (Details) (Bank of America, National Association [Member], USD $) | Mar. 31, 2014 | Dec. 06, 2013 |
In Thousands, unless otherwise specified | ||
Bank of America, National Association [Member] | ' | ' |
Assets: | ' | ' |
Cash | $1,254,517 | $1,300,000 |
Loans receivable, net | 8,278 | ' |
Property and equipment, net | 17,388 | 17,000 |
Core deposit intangible | 8,145 | ' |
Goodwill | 29,300 | ' |
Total Assets | 1,317,628 | ' |
Liabilities: | ' | ' |
Customer accounts | 1,314,478 | ' |
Other liabilities | 3,150 | ' |
Total Liabilities | 1,317,628 | ' |
Net assets acquired | $0 | ' |
Dividends_Narrative_Details
Dividends (Narrative) (Details) (USD $) | 3 Months Ended | |
Mar. 31, 2014 | Mar. 31, 2013 | |
Dividends [Abstract] | ' | ' |
Cash dividends per share (in dollars per share) | $0.10 | $0.09 |
Loans_Receivable_excluding_Cov2
Loans Receivable (excluding Covered Loans) (Details) (USD $) | Mar. 31, 2014 | Dec. 31, 2013 | Sep. 30, 2013 | Sep. 30, 2012 |
In Thousands, unless otherwise specified | ||||
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | $8,181,174 | ' | $7,990,545 | ' |
Ratio of type of loan to total loans receivable | 100.00% | ' | 100.00% | ' |
Allowance for probable losses | 114,931 | 118,158 | 116,741 | 133,147 |
Loans in process | 264,946 | ' | 275,577 | ' |
Discount on acquired loans | 29,286 | ' | 34,143 | ' |
Deferred net origination fees | 34,902 | ' | 36,054 | ' |
Charges against loans receivable | 444,065 | ' | 462,515 | ' |
Loans receivable, net | 7,737,109 | ' | 7,528,030 | ' |
Single-Family Residential [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 5,462,093 | ' | 5,373,950 | ' |
Ratio of type of loan to total loans receivable | 66.70% | ' | 67.30% | ' |
Allowance for probable losses | 63,348 | 67,692 | 64,184 | 81,815 |
Construction - Speculative [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 135,001 | ' | 130,778 | ' |
Ratio of type of loan to total loans receivable | 1.70% | ' | 1.60% | ' |
Allowance for probable losses | 6,773 | 8,142 | 8,407 | 12,060 |
Construction - Custom [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 354,279 | ' | 302,722 | ' |
Ratio of type of loan to total loans receivable | 4.30% | ' | 3.80% | ' |
Allowance for probable losses | 1,599 | 1,474 | 882 | 347 |
Land - Acquisition & Development [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 77,049 | ' | 81,660 | ' |
Ratio of type of loan to total loans receivable | 0.90% | ' | 1.10% | ' |
Allowance for probable losses | 6,027 | 7,084 | 9,165 | 15,598 |
Land - Consumer Lot Loans [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 116,864 | ' | 124,984 | ' |
Ratio of type of loan to total loans receivable | 1.40% | ' | 1.50% | ' |
Allowance for probable losses | 2,974 | 3,274 | 3,552 | 4,937 |
Multi-Family [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 869,635 | ' | 835,598 | ' |
Ratio of type of loan to total loans receivable | 10.60% | ' | 10.50% | ' |
Allowance for probable losses | 4,187 | 4,109 | 3,816 | 5,280 |
Commercial Real Estate [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 634,457 | ' | 625,293 | ' |
Ratio of type of loan to total loans receivable | 7.80% | ' | 7.90% | ' |
Allowance for probable losses | 5,924 | 5,868 | 5,595 | 1,956 |
Commercial & Industrial [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 351,705 | ' | 326,450 | ' |
Ratio of type of loan to total loans receivable | 4.40% | ' | 4.00% | ' |
Allowance for probable losses | 20,403 | 16,505 | 16,614 | 7,626 |
HELOC [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 131,852 | ' | 133,631 | ' |
Ratio of type of loan to total loans receivable | 1.60% | ' | 1.60% | ' |
Allowance for probable losses | 975 | 943 | 1,002 | 965 |
Consumer [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 48,239 | ' | 55,479 | ' |
Ratio of type of loan to total loans receivable | 0.60% | ' | 0.70% | ' |
Allowance for probable losses | 2,721 | 3,067 | 3,524 | 2,563 |
Non-Acquired Loans [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 7,876,985 | ' | 7,641,266 | ' |
Ratio of type of loan to total loans receivable | 96.20% | ' | 95.60% | ' |
Non-Acquired Loans [Member] | Single-Family Residential [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 5,448,587 | ' | 5,359,149 | ' |
Ratio of type of loan to total loans receivable | 66.50% | ' | 67.10% | ' |
Non-Acquired Loans [Member] | Construction - Speculative [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 135,001 | ' | 130,778 | ' |
Ratio of type of loan to total loans receivable | 1.70% | ' | 1.60% | ' |
Non-Acquired Loans [Member] | Construction - Custom [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 354,279 | ' | 302,722 | ' |
Ratio of type of loan to total loans receivable | 4.30% | ' | 3.80% | ' |
Non-Acquired Loans [Member] | Land - Acquisition & Development [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 74,155 | ' | 77,775 | ' |
Ratio of type of loan to total loans receivable | 0.90% | ' | 1.10% | ' |
Non-Acquired Loans [Member] | Land - Consumer Lot Loans [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 113,623 | ' | 121,671 | ' |
Ratio of type of loan to total loans receivable | 1.30% | ' | 1.50% | ' |
Non-Acquired Loans [Member] | Multi-Family [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 866,097 | ' | 831,684 | ' |
Ratio of type of loan to total loans receivable | 10.60% | ' | 10.40% | ' |
Non-Acquired Loans [Member] | Commercial Real Estate [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 454,246 | ' | 414,961 | ' |
Ratio of type of loan to total loans receivable | 5.60% | ' | 5.10% | ' |
Non-Acquired Loans [Member] | Commercial & Industrial [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 277,109 | ' | 243,199 | ' |
Ratio of type of loan to total loans receivable | 3.40% | ' | 3.00% | ' |
Non-Acquired Loans [Member] | HELOC [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 112,549 | ' | 112,186 | ' |
Ratio of type of loan to total loans receivable | 1.40% | ' | 1.40% | ' |
Non-Acquired Loans [Member] | Consumer [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 41,339 | ' | 47,141 | ' |
Ratio of type of loan to total loans receivable | 0.50% | ' | 0.60% | ' |
Acquired Non-Impaired Loans [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 218,518 | ' | 250,379 | ' |
Ratio of type of loan to total loans receivable | 2.70% | ' | 3.10% | ' |
Acquired Non-Impaired Loans [Member] | Single-Family Residential [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 13,177 | ' | 14,468 | ' |
Ratio of type of loan to total loans receivable | 0.20% | ' | 0.20% | ' |
Acquired Non-Impaired Loans [Member] | Construction - Speculative [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 0 | ' | 0 | ' |
Ratio of type of loan to total loans receivable | 0.00% | ' | 0.00% | ' |
Acquired Non-Impaired Loans [Member] | Construction - Custom [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 0 | ' | 0 | ' |
Ratio of type of loan to total loans receivable | 0.00% | ' | 0.00% | ' |
Acquired Non-Impaired Loans [Member] | Land - Acquisition & Development [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 1,135 | ' | 1,489 | ' |
Ratio of type of loan to total loans receivable | 0.00% | ' | 0.00% | ' |
Acquired Non-Impaired Loans [Member] | Land - Consumer Lot Loans [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 3,241 | ' | 3,313 | ' |
Ratio of type of loan to total loans receivable | 0.10% | ' | 0.00% | ' |
Acquired Non-Impaired Loans [Member] | Multi-Family [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 3,538 | ' | 3,914 | ' |
Ratio of type of loan to total loans receivable | 0.00% | ' | 0.10% | ' |
Acquired Non-Impaired Loans [Member] | Commercial Real Estate [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 112,089 | ' | 133,423 | ' |
Ratio of type of loan to total loans receivable | 1.30% | ' | 1.70% | ' |
Acquired Non-Impaired Loans [Member] | Commercial & Industrial [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 69,872 | ' | 75,326 | ' |
Ratio of type of loan to total loans receivable | 0.90% | ' | 0.90% | ' |
Acquired Non-Impaired Loans [Member] | HELOC [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 8,624 | ' | 10,179 | ' |
Ratio of type of loan to total loans receivable | 0.10% | ' | 0.10% | ' |
Acquired Non-Impaired Loans [Member] | Consumer [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 6,842 | ' | 8,267 | ' |
Ratio of type of loan to total loans receivable | 0.10% | ' | 0.10% | ' |
Credit Impaired Acquired Loans [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 85,671 | ' | 98,900 | ' |
Ratio of type of loan to total loans receivable | 1.10% | ' | 1.30% | ' |
Credit Impaired Acquired Loans [Member] | Single-Family Residential [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 329 | ' | 333 | ' |
Ratio of type of loan to total loans receivable | 0.00% | ' | 0.00% | ' |
Credit Impaired Acquired Loans [Member] | Construction - Speculative [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 0 | ' | 0 | ' |
Ratio of type of loan to total loans receivable | 0.00% | ' | 0.00% | ' |
Credit Impaired Acquired Loans [Member] | Land - Acquisition & Development [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 1,759 | ' | 2,396 | ' |
Ratio of type of loan to total loans receivable | 0.00% | ' | 0.00% | ' |
Credit Impaired Acquired Loans [Member] | Multi-Family [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 0 | ' | 0 | ' |
Ratio of type of loan to total loans receivable | 0.00% | ' | 0.00% | ' |
Credit Impaired Acquired Loans [Member] | Commercial Real Estate [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 68,122 | ' | 76,909 | ' |
Ratio of type of loan to total loans receivable | 0.90% | ' | 1.10% | ' |
Credit Impaired Acquired Loans [Member] | Commercial & Industrial [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 4,724 | ' | 7,925 | ' |
Ratio of type of loan to total loans receivable | 0.10% | ' | 0.10% | ' |
Credit Impaired Acquired Loans [Member] | HELOC [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | 10,679 | ' | 11,266 | ' |
Ratio of type of loan to total loans receivable | 0.10% | ' | 0.10% | ' |
Credit Impaired Acquired Loans [Member] | Consumer [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Loans receivable, gross | $58 | ' | $71 | ' |
Ratio of type of loan to total loans receivable | 0.00% | ' | 0.00% | ' |
Loans_Receivable_excluding_Cov3
Loans Receivable (excluding Covered Loans) (Schedule of Changes in the Accretable Yield for Acquired Loans) (Details) (USD $) | 6 Months Ended | 12 Months Ended |
In Thousands, unless otherwise specified | Mar. 31, 2014 | Sep. 30, 2013 |
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Roll Forward] | ' | ' |
Accretion, Carrying Amount of Loans | $414 | $1,086 |
Credit Impaired Acquired Loans [Member] | ' | ' |
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Roll Forward] | ' | ' |
Balance at beginning of period, AccretableYield | 37,236 | 16,928 |
Balance at beginning of period, Carrying Amount of Loans | 69,718 | 77,613 |
Reclassification from nonaccretable balance, net, AccretableYield | 7,300 | 30,026 |
Reclassification from nonaccretable balance, net, Carrying Value of Loans | 0 | 0 |
Additions, AccretableYield | ' | 0 |
Additions, Carrying Amount of Loans | ' | 9,865 |
Accretion, AccretableYield | -5,838 | -9,718 |
Accretion, Carrying Amount of Loans | 5,838 | 9,718 |
Transfers to REO, AccretableYield | 0 | 0 |
Transfers to REO, Carrying Amount of Loans | -1,188 | -3,975 |
Payments received, net, AccretableYield | 0 | 0 |
Payments received, net, Carrying Amount of Loans | -13,620 | -23,503 |
Balance at end of period, AccretableYield | 38,698 | 37,236 |
Balance at end of period, Carrying Amount of Loans | 60,748 | 69,718 |
Acquired Non-Impaired Loans [Member] | ' | ' |
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Roll Forward] | ' | ' |
Balance at beginning of period, AccretableYield | 4,977 | 0 |
Balance at beginning of period, Carrying Amount of Loans | 245,373 | 0 |
Reclassification from nonaccretable balance, net, AccretableYield | 0 | 0 |
Reclassification from nonaccretable balance, net, Carrying Value of Loans | 0 | 0 |
Additions, AccretableYield | ' | 10,804 |
Additions, Carrying Amount of Loans | ' | 351,335 |
Accretion, AccretableYield | -606 | -5,827 |
Accretion, Carrying Amount of Loans | 606 | 5,827 |
Transfers to REO, AccretableYield | 0 | 0 |
Transfers to REO, Carrying Amount of Loans | -1,278 | -7,755 |
Payments received, net, AccretableYield | 0 | 0 |
Payments received, net, Carrying Amount of Loans | -30,565 | -104,034 |
Balance at end of period, AccretableYield | 4,371 | 4,977 |
Balance at end of period, Carrying Amount of Loans | $214,136 | $245,373 |
Loans_Receivable_excluding_Cov4
Loans Receivable (excluding Covered Loans) (Loans on Non-accrual Status) (Details) (USD $) | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2013 |
In Thousands, unless otherwise specified | |||
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' |
Nonaccrual loans by portfolio segment | $100,198 | $131,299 | $149,033 |
Ratio of nonaccrual loan by portfolio segment to total loans on nonaccrual status | 100.00% | 100.00% | ' |
Single-Family Residential [Member] | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' |
Nonaccrual loans by portfolio segment | 81,740 | 100,460 | ' |
Ratio of nonaccrual loan by portfolio segment to total loans on nonaccrual status | 81.60% | 76.50% | ' |
Construction - Speculative [Member] | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' |
Nonaccrual loans by portfolio segment | 2,132 | 4,560 | ' |
Ratio of nonaccrual loan by portfolio segment to total loans on nonaccrual status | 2.10% | 3.50% | ' |
Construction - Custom [Member] | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' |
Nonaccrual loans by portfolio segment | 265 | 0 | ' |
Ratio of nonaccrual loan by portfolio segment to total loans on nonaccrual status | 0.30% | 0.00% | ' |
Land - Acquisition & Development [Member] | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' |
Nonaccrual loans by portfolio segment | 2,113 | 2,903 | ' |
Ratio of nonaccrual loan by portfolio segment to total loans on nonaccrual status | 2.10% | 2.20% | ' |
Land - Consumer Lot Loans [Member] | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' |
Nonaccrual loans by portfolio segment | 3,007 | 3,337 | ' |
Ratio of nonaccrual loan by portfolio segment to total loans on nonaccrual status | 3.00% | 2.50% | ' |
Multi-Family [Member] | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' |
Nonaccrual loans by portfolio segment | 2,199 | 6,573 | ' |
Ratio of nonaccrual loan by portfolio segment to total loans on nonaccrual status | 2.20% | 5.00% | ' |
Commercial Real Estate [Member] | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' |
Nonaccrual loans by portfolio segment | 7,101 | 11,736 | ' |
Ratio of nonaccrual loan by portfolio segment to total loans on nonaccrual status | 7.10% | 8.90% | ' |
Commercial & Industrial [Member] | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' |
Nonaccrual loans by portfolio segment | 579 | 477 | ' |
Ratio of nonaccrual loan by portfolio segment to total loans on nonaccrual status | 0.60% | 0.40% | ' |
HELOC [Member] | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' |
Nonaccrual loans by portfolio segment | 441 | 263 | ' |
Ratio of nonaccrual loan by portfolio segment to total loans on nonaccrual status | 0.40% | 0.20% | ' |
Consumer [Member] | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' |
Nonaccrual loans by portfolio segment | $621 | $990 | ' |
Ratio of nonaccrual loan by portfolio segment to total loans on nonaccrual status | 0.60% | 0.80% | ' |
Loans_Receivable_excluding_Cov5
Loans Receivable (excluding Covered Loans) (Loans Receivable, Analysis of Age of Loans in Past Due Status) (Details) (USD $) | Mar. 31, 2014 | Sep. 30, 2013 |
In Thousands, unless otherwise specified | ||
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | $7,916,228 | $7,714,968 |
Current | 7,791,961 | 7,563,335 |
30 Days | 33,840 | 35,179 |
60 Days | 12,925 | 14,933 |
90 Days | 77,502 | 101,521 |
Total | 124,267 | 151,633 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 1.57% | 1.97% |
Non-Acquired Loans [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 7,612,058 | 7,365,734 |
Current | 7,494,058 | 7,224,617 |
30 Days | 32,973 | 32,437 |
60 Days | 12,445 | 13,575 |
90 Days | 72,582 | 95,105 |
Total | 118,000 | 141,117 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 1.55% | 1.92% |
Non-Acquired Loans [Member] | Single-Family Residential [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 5,445,950 | 5,356,200 |
Current | 5,343,076 | 5,237,413 |
30 Days | 27,559 | 26,888 |
60 Days | 11,275 | 12,373 |
90 Days | 64,040 | 79,526 |
Total | 102,874 | 118,787 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 1.89% | 2.22% |
Non-Acquired Loans [Member] | Construction - Speculative [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 88,954 | 82,422 |
Current | 88,124 | 80,047 |
30 Days | 196 | 0 |
60 Days | 0 | 0 |
90 Days | 634 | 2,375 |
Total | 830 | 2,375 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 0.93% | 2.88% |
Non-Acquired Loans [Member] | Construction - Custom [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 178,099 | 130,095 |
Current | 176,624 | 129,678 |
30 Days | 1,210 | 417 |
60 Days | 0 | 0 |
90 Days | 265 | 0 |
Total | 1,475 | 417 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 0.83% | 0.32% |
Non-Acquired Loans [Member] | Land - Acquisition & Development [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 67,314 | 71,567 |
Current | 65,259 | 70,106 |
30 Days | 0 | 0 |
60 Days | 0 | 0 |
90 Days | 2,055 | 1,461 |
Total | 2,055 | 1,461 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 3.05% | 2.04% |
Non-Acquired Loans [Member] | Land - Consumer Lot Loans [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 113,567 | 121,473 |
Current | 110,021 | 117,076 |
30 Days | 391 | 806 |
60 Days | 273 | 355 |
90 Days | 2,882 | 3,236 |
Total | 3,546 | 4,397 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 3.12% | 3.62% |
Non-Acquired Loans [Member] | Multi-Family [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 848,708 | 790,564 |
Current | 847,562 | 785,793 |
30 Days | 20 | 0 |
60 Days | 0 | 0 |
90 Days | 1,126 | 4,771 |
Total | 1,146 | 4,771 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 0.14% | 0.60% |
Non-Acquired Loans [Member] | Commercial Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 438,382 | 404,680 |
Current | 435,766 | 398,114 |
30 Days | 967 | 2,942 |
60 Days | 387 | 351 |
90 Days | 1,262 | 3,273 |
Total | 2,616 | 6,566 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 0.60% | 1.62% |
Non-Acquired Loans [Member] | Commercial & Industrial [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 277,100 | 249,405 |
Current | 275,817 | 249,363 |
30 Days | 1,246 | 42 |
60 Days | 1 | 0 |
90 Days | 36 | 0 |
Total | 1,283 | 42 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 0.46% | 0.02% |
Non-Acquired Loans [Member] | HELOC [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 112,550 | 112,186 |
Current | 111,625 | 111,407 |
30 Days | 603 | 493 |
60 Days | 284 | 213 |
90 Days | 38 | 73 |
Total | 925 | 779 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 0.82% | 0.69% |
Non-Acquired Loans [Member] | Consumer [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 41,434 | 47,142 |
Current | 40,184 | 45,620 |
30 Days | 781 | 849 |
60 Days | 225 | 283 |
90 Days | 244 | 390 |
Total | 1,250 | 1,522 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 3.02% | 3.23% |
Acquired Non-Impaired Loans [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 218,507 | 250,350 |
Current | 213,397 | 243,718 |
30 Days | 519 | 441 |
60 Days | 480 | 894 |
90 Days | 4,111 | 5,297 |
Total | 5,110 | 6,632 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 2.34% | 2.65% |
Acquired Non-Impaired Loans [Member] | Single-Family Residential [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 13,177 | 14,468 |
Current | 13,104 | 14,343 |
30 Days | 73 | 82 |
60 Days | 0 | 0 |
90 Days | 0 | 43 |
Total | 73 | 125 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 0.55% | 0.86% |
Acquired Non-Impaired Loans [Member] | Construction - Speculative [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 0 | 0 |
Current | 0 | 0 |
30 Days | 0 | 0 |
60 Days | 0 | 0 |
90 Days | 0 | 0 |
Total | 0 | 0 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 0.00% | ' |
Acquired Non-Impaired Loans [Member] | Construction - Custom [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 0 | 0 |
Current | 0 | 0 |
30 Days | 0 | 0 |
60 Days | 0 | 0 |
90 Days | 0 | 0 |
Total | 0 | 0 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 0.00% | ' |
Acquired Non-Impaired Loans [Member] | Land - Acquisition & Development [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 1,135 | 1,489 |
Current | 726 | 1,241 |
30 Days | 0 | 0 |
60 Days | 409 | 0 |
90 Days | 0 | 248 |
Total | 409 | 248 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 36.04% | 16.66% |
Acquired Non-Impaired Loans [Member] | Land - Consumer Lot Loans [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 3,240 | 3,313 |
Current | 3,115 | 2,987 |
30 Days | 0 | 125 |
60 Days | 0 | 100 |
90 Days | 125 | 101 |
Total | 125 | 326 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 3.86% | 9.84% |
Acquired Non-Impaired Loans [Member] | Multi-Family [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 3,538 | 3,914 |
Current | 3,402 | 3,914 |
30 Days | 0 | 0 |
60 Days | 0 | 0 |
90 Days | 136 | 0 |
Total | 136 | 0 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 3.84% | 0.00% |
Acquired Non-Impaired Loans [Member] | Commercial Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 112,083 | 133,398 |
Current | 108,651 | 128,610 |
30 Days | 96 | 134 |
60 Days | 0 | 617 |
90 Days | 3,336 | 4,037 |
Total | 3,432 | 4,788 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 3.06% | 3.59% |
Acquired Non-Impaired Loans [Member] | Commercial & Industrial [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 69,868 | 75,323 |
Current | 69,542 | 74,992 |
30 Days | 120 | 10 |
60 Days | 69 | 153 |
90 Days | 137 | 168 |
Total | 326 | 331 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 0.47% | 0.44% |
Acquired Non-Impaired Loans [Member] | HELOC [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 8,624 | 10,179 |
Current | 8,440 | 10,063 |
30 Days | 184 | 0 |
60 Days | 0 | 16 |
90 Days | 0 | 100 |
Total | 184 | 116 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 2.13% | 1.14% |
Acquired Non-Impaired Loans [Member] | Consumer [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 6,842 | 8,266 |
Current | 6,417 | 7,568 |
30 Days | 46 | 90 |
60 Days | 2 | 8 |
90 Days | 377 | 600 |
Total | 425 | 698 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 6.21% | 8.44% |
Credit Impaired Acquired Loans [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 85,663 | 98,884 |
Current | 84,506 | 95,000 |
30 Days | 348 | 2,301 |
60 Days | 0 | 464 |
90 Days | 809 | 1,119 |
Total | 1,157 | 3,884 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 1.35% | 3.93% |
Credit Impaired Acquired Loans [Member] | Single-Family Residential [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 329 | 333 |
Current | 329 | 333 |
30 Days | 0 | 0 |
60 Days | 0 | 0 |
90 Days | 0 | 0 |
Total | 0 | 0 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 0.00% | 0.00% |
Credit Impaired Acquired Loans [Member] | Construction - Speculative [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 0 | 0 |
Current | 0 | 0 |
30 Days | 0 | 0 |
60 Days | 0 | 0 |
90 Days | 0 | 0 |
Total | 0 | 0 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 0.00% | ' |
Credit Impaired Acquired Loans [Member] | Construction - Custom [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 0 | 0 |
Current | 0 | 0 |
30 Days | 0 | 0 |
60 Days | 0 | 0 |
90 Days | 0 | 0 |
Total | 0 | 0 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 0.00% | 0.00% |
Credit Impaired Acquired Loans [Member] | Land - Acquisition & Development [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 1,758 | 2,393 |
Current | 1,758 | 1,929 |
30 Days | 0 | 0 |
60 Days | 0 | 464 |
90 Days | 0 | 0 |
Total | 0 | 464 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 0.00% | 19.39% |
Credit Impaired Acquired Loans [Member] | Land - Consumer Lot Loans [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 0 | 0 |
Current | 0 | 0 |
30 Days | 0 | 0 |
60 Days | 0 | 0 |
90 Days | 0 | 0 |
Total | 0 | 0 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 0.00% | 0.00% |
Credit Impaired Acquired Loans [Member] | Multi-Family [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 0 | 0 |
Current | 0 | 0 |
30 Days | 0 | 0 |
60 Days | 0 | 0 |
90 Days | 0 | 0 |
Total | 0 | 0 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 0.00% | 0.00% |
Credit Impaired Acquired Loans [Member] | Commercial Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 68,115 | 83,116 |
Current | 67,767 | 80,095 |
30 Days | 348 | 2,301 |
60 Days | 0 | 0 |
90 Days | 0 | 720 |
Total | 348 | 3,021 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 0.51% | 3.63% |
Credit Impaired Acquired Loans [Member] | Commercial & Industrial [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 4,724 | 1,705 |
Current | 4,318 | 1,396 |
30 Days | 0 | 0 |
60 Days | 0 | 0 |
90 Days | 406 | 309 |
Total | 406 | 309 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 8.59% | 18.12% |
Credit Impaired Acquired Loans [Member] | HELOC [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 10,679 | 11,266 |
Current | 10,276 | 11,176 |
30 Days | 0 | 0 |
60 Days | 0 | 0 |
90 Days | 403 | 90 |
Total | 403 | 90 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 3.77% | 0.80% |
Credit Impaired Acquired Loans [Member] | Consumer [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Amount of Loan, Net of Charge-Offs and LIP | 58 | 71 |
Current | 58 | 71 |
30 Days | 0 | 0 |
60 Days | 0 | 0 |
90 Days | 0 | 0 |
Total | $0 | $0 |
Ratio of past due loans to total loans, net of charge-offs and LIPs | 0.00% | 0.00% |
Loans_Receivable_excluding_Cov6
Loans Receivable (excluding Covered Loans) (Troubled Debt Restructurings) (Details) (USD $) | 3 Months Ended | 6 Months Ended | ||
In Thousands, unless otherwise specified | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 |
contract | contract | contract | contract | |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Number of Contracts (in contracts) | 45 | 140 | 164 | 251 |
Pre-Modification Outstanding Recorded Investment | $13,124 | $37,609 | $38,710 | $68,654 |
Post-Modification Outstanding Recorded Investment | 13,124 | 37,609 | 38,710 | 68,654 |
Loan Modification, Basis Point Reduction, Minimum | ' | ' | 1.00% | ' |
Loan Modification, Basis Point Reduction, Maximum | ' | ' | 2.00% | ' |
Single Family Residential Loans as Percentage of Restructured Loans | 86.10% | ' | 86.10% | ' |
Single-Family Residential [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Number of Contracts (in contracts) | 43 | 130 | 151 | 230 |
Pre-Modification Outstanding Recorded Investment | 12,692 | 36,059 | 34,877 | 63,146 |
Post-Modification Outstanding Recorded Investment | 12,692 | 36,059 | 34,877 | 63,146 |
Construction - Speculative [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Number of Contracts (in contracts) | 0 | 0 | 0 | 1 |
Pre-Modification Outstanding Recorded Investment | 0 | 0 | 0 | 2,492 |
Post-Modification Outstanding Recorded Investment | 0 | 0 | 0 | 2,492 |
Construction - Custom [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Number of Contracts (in contracts) | 0 | 0 | 0 | 0 |
Pre-Modification Outstanding Recorded Investment | 0 | 0 | 0 | 0 |
Post-Modification Outstanding Recorded Investment | 0 | 0 | 0 | 0 |
Land - Acquisition & Development [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Number of Contracts (in contracts) | 0 | 0 | 0 | 0 |
Pre-Modification Outstanding Recorded Investment | 0 | 0 | 0 | 0 |
Post-Modification Outstanding Recorded Investment | 0 | 0 | 0 | 0 |
Land - Consumer Lot Loans [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Number of Contracts (in contracts) | 1 | 9 | 6 | 18 |
Pre-Modification Outstanding Recorded Investment | 302 | 1,350 | 1,394 | 2,761 |
Post-Modification Outstanding Recorded Investment | 302 | 1,350 | 1,394 | 2,761 |
Multi-Family [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Number of Contracts (in contracts) | 0 | 0 | 2 | 1 |
Pre-Modification Outstanding Recorded Investment | 0 | 0 | 1,207 | 55 |
Post-Modification Outstanding Recorded Investment | 0 | 0 | 1,207 | 55 |
Commercial Real Estate [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Number of Contracts (in contracts) | 0 | 0 | 1 | 0 |
Pre-Modification Outstanding Recorded Investment | 0 | 0 | 804 | 0 |
Post-Modification Outstanding Recorded Investment | 0 | 0 | 804 | 0 |
Commercial & Industrial [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Number of Contracts (in contracts) | 0 | 0 | 0 | 0 |
Pre-Modification Outstanding Recorded Investment | 0 | 0 | 0 | 0 |
Post-Modification Outstanding Recorded Investment | 0 | 0 | 0 | 0 |
HELOC [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Number of Contracts (in contracts) | 0 | 1 | 1 | 1 |
Pre-Modification Outstanding Recorded Investment | 0 | 200 | 261 | 200 |
Post-Modification Outstanding Recorded Investment | 0 | 200 | 261 | 200 |
Consumer [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Number of Contracts (in contracts) | 1 | 0 | 3 | 0 |
Pre-Modification Outstanding Recorded Investment | 130 | 0 | 167 | 0 |
Post-Modification Outstanding Recorded Investment | $130 | $0 | $167 | $0 |
Minimum [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Term for Payment and Rate Reduction | ' | ' | ' | '6 months |
Maximum [Member] | ' | ' | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' | ' | ' |
Term for Payment and Rate Reduction | ' | ' | ' | '24 months |
Loans_Receivable_excluding_Cov7
Loans Receivable (excluding Covered Loans) (Loan Modifications) (Details) (USD $) | 3 Months Ended | 6 Months Ended | ||
In Thousands, unless otherwise specified | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 |
contract | contract | contract | contract | |
Financing Receivable, Modifications [Line Items] | ' | ' | ' | ' |
Number of Contracts (in contracts) | 24 | 41 | 42 | 60 |
Recorded Investment | $4,301 | $8,886 | $7,425 | $14,313 |
Single-Family Residential [Member] | ' | ' | ' | ' |
Financing Receivable, Modifications [Line Items] | ' | ' | ' | ' |
Number of Contracts (in contracts) | 23 | 37 | 38 | 55 |
Recorded Investment | 4,218 | 8,579 | 7,067 | 13,704 |
Construction - Speculative [Member] | ' | ' | ' | ' |
Financing Receivable, Modifications [Line Items] | ' | ' | ' | ' |
Number of Contracts (in contracts) | 0 | 0 | 0 | 0 |
Recorded Investment | 0 | 0 | 0 | 0 |
Construction - Custom [Member] | ' | ' | ' | ' |
Financing Receivable, Modifications [Line Items] | ' | ' | ' | ' |
Number of Contracts (in contracts) | 0 | 0 | 0 | 0 |
Recorded Investment | 0 | 0 | 0 | 0 |
Land - Acquisition & Development [Member] | ' | ' | ' | ' |
Financing Receivable, Modifications [Line Items] | ' | ' | ' | ' |
Number of Contracts (in contracts) | 0 | 0 | 0 | 0 |
Recorded Investment | 0 | 0 | 0 | 0 |
Land - Consumer Lot Loans [Member] | ' | ' | ' | ' |
Financing Receivable, Modifications [Line Items] | ' | ' | ' | ' |
Number of Contracts (in contracts) | 1 | 1 | 4 | 1 |
Recorded Investment | 83 | 139 | 358 | 139 |
Multi-Family [Member] | ' | ' | ' | ' |
Financing Receivable, Modifications [Line Items] | ' | ' | ' | ' |
Number of Contracts (in contracts) | 0 | 1 | 0 | 1 |
Recorded Investment | 0 | 55 | 0 | 55 |
Commercial Real Estate [Member] | ' | ' | ' | ' |
Financing Receivable, Modifications [Line Items] | ' | ' | ' | ' |
Number of Contracts (in contracts) | 0 | 0 | 0 | 1 |
Recorded Investment | 0 | 0 | 0 | 302 |
Commercial & Industrial [Member] | ' | ' | ' | ' |
Financing Receivable, Modifications [Line Items] | ' | ' | ' | ' |
Number of Contracts (in contracts) | 0 | 0 | 0 | 0 |
Recorded Investment | 0 | 0 | 0 | 0 |
HELOC [Member] | ' | ' | ' | ' |
Financing Receivable, Modifications [Line Items] | ' | ' | ' | ' |
Number of Contracts (in contracts) | 0 | 2 | 0 | 2 |
Recorded Investment | 0 | 113 | 0 | 113 |
Consumer [Member] | ' | ' | ' | ' |
Financing Receivable, Modifications [Line Items] | ' | ' | ' | ' |
Number of Contracts (in contracts) | 0 | 0 | 0 | 0 |
Recorded Investment | $0 | $0 | $0 | $0 |
Allowance_for_Losses_on_Loans_1
Allowance for Losses on Loans (Details) (USD $) | 3 Months Ended | 6 Months Ended | 12 Months Ended | ||
Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 | Sep. 30, 2013 | |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Beginning Allowance | $118,158,000 | ' | $116,741,000 | $133,147,000 | $133,147,000 |
Charge-offs | -4,775,000 | ' | ' | ' | -34,101,000 |
Recoveries | 6,298,000 | ' | ' | ' | 16,345,000 |
Provisions & Transfers | -4,750,000 | ' | ' | ' | 1,350,000 |
Ending Allowance | 114,931,000 | ' | 114,931,000 | ' | 116,741,000 |
Provision for (reversal of) loan losses | -4,336,000 | 0 | -8,936,000 | 3,600,000 | ' |
Loans receivable, gross | 8,181,174,000 | ' | 8,181,174,000 | ' | 7,990,545,000 |
Additional provision (reversal) for loan losses recorded on acquired or covered loans | ' | ' | 414,000 | ' | ' |
Nonaccrual loans by portfolio segment | 100,198,000 | 149,033,000 | 100,198,000 | 149,033,000 | 131,299,000 |
Percentage increase (decrease) in nonperforming assets | -32.80% | ' | -32.80% | ' | ' |
Allowance for credit losses, charge-offs, net of recoveries | ' | 3,943,000 | -1,523,000 | ' | ' |
Single-Family Residential [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Beginning Allowance | 67,692,000 | ' | ' | 81,815,000 | 81,815,000 |
Charge-offs | -2,444,000 | ' | ' | ' | -20,947,000 |
Recoveries | 2,088,000 | ' | ' | ' | 9,416,000 |
Provisions & Transfers | -3,988,000 | ' | ' | ' | -6,100,000 |
Ending Allowance | 63,348,000 | ' | 63,348,000 | ' | 64,184,000 |
Loans receivable, gross | 5,462,093,000 | ' | 5,462,093,000 | ' | 5,373,950,000 |
Nonaccrual loans by portfolio segment | 81,740,000 | ' | 81,740,000 | ' | 100,460,000 |
Construction - Speculative [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Beginning Allowance | 8,142,000 | ' | ' | 12,060,000 | 12,060,000 |
Charge-offs | -488,000 | ' | ' | ' | -1,446,000 |
Recoveries | 0 | ' | ' | ' | 501,000 |
Provisions & Transfers | -881,000 | ' | ' | ' | -2,708,000 |
Ending Allowance | 6,773,000 | ' | 6,773,000 | ' | 8,407,000 |
Loans receivable, gross | 135,001,000 | ' | 135,001,000 | ' | 130,778,000 |
Nonaccrual loans by portfolio segment | 2,132,000 | ' | 2,132,000 | ' | 4,560,000 |
Construction - Custom [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Beginning Allowance | 1,474,000 | ' | ' | 347,000 | 347,000 |
Charge-offs | 0 | ' | ' | ' | -481,000 |
Recoveries | 0 | ' | ' | ' | 0 |
Provisions & Transfers | 125,000 | ' | ' | ' | 1,016,000 |
Ending Allowance | 1,599,000 | ' | 1,599,000 | ' | 882,000 |
Loans receivable, gross | 354,279,000 | ' | 354,279,000 | ' | 302,722,000 |
Nonaccrual loans by portfolio segment | 265,000 | ' | 265,000 | ' | 0 |
Land - Acquisition & Development [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Beginning Allowance | 7,084,000 | ' | ' | 15,598,000 | 15,598,000 |
Charge-offs | -85,000 | ' | ' | ' | -3,983,000 |
Recoveries | 299,000 | ' | ' | ' | 4,105,000 |
Provisions & Transfers | -1,271,000 | ' | ' | ' | -6,555,000 |
Ending Allowance | 6,027,000 | ' | 6,027,000 | ' | 9,165,000 |
Loans receivable, gross | 77,049,000 | ' | 77,049,000 | ' | 81,660,000 |
Nonaccrual loans by portfolio segment | 2,113,000 | ' | 2,113,000 | ' | 2,903,000 |
Land - Consumer Lot Loans [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Beginning Allowance | 3,274,000 | ' | ' | 4,937,000 | 4,937,000 |
Charge-offs | -231,000 | ' | ' | ' | -1,363,000 |
Recoveries | 0 | ' | ' | ' | 40,000 |
Provisions & Transfers | -69,000 | ' | ' | ' | -62,000 |
Ending Allowance | 2,974,000 | ' | 2,974,000 | ' | 3,552,000 |
Loans receivable, gross | 116,864,000 | ' | 116,864,000 | ' | 124,984,000 |
Nonaccrual loans by portfolio segment | 3,007,000 | ' | 3,007,000 | ' | 3,337,000 |
Multi-Family [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Beginning Allowance | 4,109,000 | ' | ' | 5,280,000 | 5,280,000 |
Charge-offs | 0 | ' | ' | ' | -1,043,000 |
Recoveries | 0 | ' | ' | ' | 171,000 |
Provisions & Transfers | 78,000 | ' | ' | ' | -592,000 |
Ending Allowance | 4,187,000 | ' | 4,187,000 | ' | 3,816,000 |
Loans receivable, gross | 869,635,000 | ' | 869,635,000 | ' | 835,598,000 |
Nonaccrual loans by portfolio segment | 2,199,000 | ' | 2,199,000 | ' | 6,573,000 |
Commercial Real Estate [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Beginning Allowance | 5,868,000 | ' | ' | 1,956,000 | 1,956,000 |
Charge-offs | -73,000 | ' | ' | ' | -747,000 |
Recoveries | 0 | ' | ' | ' | 17,000 |
Provisions & Transfers | 129,000 | ' | ' | ' | 4,369,000 |
Ending Allowance | 5,924,000 | ' | 5,924,000 | ' | 5,595,000 |
Loans receivable, gross | 634,457,000 | ' | 634,457,000 | ' | 625,293,000 |
Nonaccrual loans by portfolio segment | 7,101,000 | ' | 7,101,000 | ' | 11,736,000 |
Commercial & Industrial [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Beginning Allowance | 16,505,000 | ' | ' | 7,626,000 | 7,626,000 |
Charge-offs | -444,000 | ' | ' | ' | -1,145,000 |
Recoveries | 2,852,000 | ' | ' | ' | 95,000 |
Provisions & Transfers | 1,490,000 | ' | ' | ' | 10,038,000 |
Ending Allowance | 20,403,000 | ' | 20,403,000 | ' | 16,614,000 |
Loans receivable, gross | 351,705,000 | ' | 351,705,000 | ' | 326,450,000 |
Nonaccrual loans by portfolio segment | 579,000 | ' | 579,000 | ' | 477,000 |
HELOC [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Beginning Allowance | 943,000 | ' | ' | 965,000 | 965,000 |
Charge-offs | 0 | ' | ' | ' | -163,000 |
Recoveries | 0 | ' | ' | ' | 0 |
Provisions & Transfers | 32,000 | ' | ' | ' | 200,000 |
Ending Allowance | 975,000 | ' | 975,000 | ' | 1,002,000 |
Loans receivable, gross | 131,852,000 | ' | 131,852,000 | ' | 133,631,000 |
Nonaccrual loans by portfolio segment | 441,000 | ' | 441,000 | ' | 263,000 |
Consumer [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Beginning Allowance | 3,067,000 | ' | ' | 2,563,000 | 2,563,000 |
Charge-offs | -1,010,000 | ' | ' | ' | -2,783,000 |
Recoveries | 1,059,000 | ' | ' | ' | 2,000,000 |
Provisions & Transfers | -395,000 | ' | ' | ' | 1,744,000 |
Ending Allowance | 2,721,000 | ' | 2,721,000 | ' | 3,524,000 |
Loans receivable, gross | 48,239,000 | ' | 48,239,000 | ' | 55,479,000 |
Nonaccrual loans by portfolio segment | 621,000 | ' | 621,000 | ' | 990,000 |
Non-Covered Loans [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Additional provision (reversal) for loan losses recorded on acquired or covered loans | -4,750,000 | ' | ' | ' | ' |
Acquired or Covered Loans [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Additional provision (reversal) for loan losses recorded on acquired or covered loans | -414,000 | ' | ' | ' | ' |
Loans Collectively Evaluated for Impairment [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Ending Allowance | 114,096,000 | ' | 114,096,000 | ' | 113,268,000 |
Loans receivable, gross | 7,737,348,000 | ' | 7,737,348,000 | ' | 7,495,504,000 |
Allowance as a percentage of outstanding loans and leases | 1.50% | ' | 1.50% | ' | 1.50% |
Loans Collectively Evaluated for Impairment [Member] | Single-Family Residential [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Ending Allowance | 63,348,000 | ' | 63,348,000 | ' | 64,184,000 |
Loans receivable, gross | 5,357,841,000 | ' | 5,357,841,000 | ' | 5,262,159,000 |
Allowance as a percentage of outstanding loans and leases | 1.20% | ' | 1.20% | ' | 1.20% |
Loans Collectively Evaluated for Impairment [Member] | Construction - Speculative [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Ending Allowance | 6,713,000 | ' | 6,713,000 | ' | 7,307,000 |
Loans receivable, gross | 123,185,000 | ' | 123,185,000 | ' | 115,554,000 |
Allowance as a percentage of outstanding loans and leases | 5.40% | ' | 5.40% | ' | 6.30% |
Loans Collectively Evaluated for Impairment [Member] | Construction - Custom [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Ending Allowance | 1,599,000 | ' | 1,599,000 | ' | 882,000 |
Loans receivable, gross | 354,279,000 | ' | 354,279,000 | ' | 302,722,000 |
Allowance as a percentage of outstanding loans and leases | 0.50% | ' | 0.50% | ' | 0.30% |
Loans Collectively Evaluated for Impairment [Member] | Land - Acquisition & Development [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Ending Allowance | 5,252,000 | ' | 5,252,000 | ' | 6,943,000 |
Loans receivable, gross | 64,917,000 | ' | 64,917,000 | ' | 67,521,000 |
Allowance as a percentage of outstanding loans and leases | 8.10% | ' | 8.10% | ' | 10.30% |
Loans Collectively Evaluated for Impairment [Member] | Land - Consumer Lot Loans [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Ending Allowance | 2,974,000 | ' | 2,974,000 | ' | 3,506,000 |
Loans receivable, gross | 99,065,000 | ' | 99,065,000 | ' | 107,216,000 |
Allowance as a percentage of outstanding loans and leases | 3.00% | ' | 3.00% | ' | 3.30% |
Loans Collectively Evaluated for Impairment [Member] | Multi-Family [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Ending Allowance | 4,187,000 | ' | 4,187,000 | ' | 3,711,000 |
Loans receivable, gross | 857,244,000 | ' | 857,244,000 | ' | 824,279,000 |
Allowance as a percentage of outstanding loans and leases | 0.50% | ' | 0.50% | ' | 0.50% |
Loans Collectively Evaluated for Impairment [Member] | Commercial Real Estate [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Ending Allowance | 5,924,000 | ' | 5,924,000 | ' | 5,595,000 |
Loans receivable, gross | 439,307,000 | ' | 439,307,000 | ' | 400,789,000 |
Allowance as a percentage of outstanding loans and leases | 1.30% | ' | 1.30% | ' | 1.40% |
Loans Collectively Evaluated for Impairment [Member] | Commercial & Industrial [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Ending Allowance | 20,403,000 | ' | 20,403,000 | ' | 16,614,000 |
Loans receivable, gross | 288,641,000 | ' | 288,641,000 | ' | 256,954,000 |
Allowance as a percentage of outstanding loans and leases | 7.10% | ' | 7.10% | ' | 6.50% |
Loans Collectively Evaluated for Impairment [Member] | HELOC [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Ending Allowance | 975,000 | ' | 975,000 | ' | 1,002,000 |
Loans receivable, gross | 111,530,000 | ' | 111,530,000 | ' | 111,169,000 |
Allowance as a percentage of outstanding loans and leases | 0.90% | ' | 0.90% | ' | 0.90% |
Loans Collectively Evaluated for Impairment [Member] | Consumer [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Ending Allowance | 2,721,000 | ' | 2,721,000 | ' | 3,524,000 |
Loans receivable, gross | 41,339,000 | ' | 41,339,000 | ' | 47,141,000 |
Allowance as a percentage of outstanding loans and leases | 6.60% | ' | 6.60% | ' | 7.50% |
Loans Individually Evaluated for Impairment [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Ending Allowance | 835,000 | ' | 835,000 | ' | 3,473,000 |
Loans receivable, gross | 151,179,000 | ' | 151,179,000 | ' | 159,564,000 |
Allowance as a percentage of outstanding loans and leases | 0.60% | ' | 0.60% | ' | 2.20% |
Loans Individually Evaluated for Impairment [Member] | Single-Family Residential [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Ending Allowance | 0 | ' | 0 | ' | 0 |
Loans receivable, gross | 90,746,000 | ' | 90,746,000 | ' | 96,989,000 |
Allowance as a percentage of outstanding loans and leases | 0.00% | ' | 0.00% | ' | 0.00% |
Loans Individually Evaluated for Impairment [Member] | Construction - Speculative [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Ending Allowance | 60,000 | ' | 60,000 | ' | 1,100,000 |
Loans receivable, gross | 11,816,000 | ' | 11,816,000 | ' | 15,224,000 |
Allowance as a percentage of outstanding loans and leases | 0.50% | ' | 0.50% | ' | 7.20% |
Loans Individually Evaluated for Impairment [Member] | Construction - Custom [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Ending Allowance | 0 | ' | 0 | ' | 0 |
Loans receivable, gross | 0 | ' | 0 | ' | 0 |
Allowance as a percentage of outstanding loans and leases | 0.00% | ' | 0.00% | ' | 0.00% |
Loans Individually Evaluated for Impairment [Member] | Land - Acquisition & Development [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Ending Allowance | 775,000 | ' | 775,000 | ' | 2,222,000 |
Loans receivable, gross | 9,238,000 | ' | 9,238,000 | ' | 10,254,000 |
Allowance as a percentage of outstanding loans and leases | 8.40% | ' | 8.40% | ' | 21.70% |
Loans Individually Evaluated for Impairment [Member] | Land - Consumer Lot Loans [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Ending Allowance | 0 | ' | 0 | ' | 46,000 |
Loans receivable, gross | 14,558,000 | ' | 14,558,000 | ' | 14,455,000 |
Allowance as a percentage of outstanding loans and leases | 0.00% | ' | 0.00% | ' | 0.30% |
Loans Individually Evaluated for Impairment [Member] | Multi-Family [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Ending Allowance | 0 | ' | 0 | ' | 105,000 |
Loans receivable, gross | 8,853,000 | ' | 8,853,000 | ' | 7,405,000 |
Allowance as a percentage of outstanding loans and leases | 0.00% | ' | 0.00% | ' | 1.40% |
Loans Individually Evaluated for Impairment [Member] | Commercial Real Estate [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Ending Allowance | 0 | ' | 0 | ' | 0 |
Loans receivable, gross | 14,938,000 | ' | 14,938,000 | ' | 14,172,000 |
Allowance as a percentage of outstanding loans and leases | 0.00% | ' | 0.00% | ' | 0.00% |
Loans Individually Evaluated for Impairment [Member] | Commercial & Industrial [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Ending Allowance | 0 | ' | 0 | ' | 0 |
Loans receivable, gross | 10,000 | ' | 10,000 | ' | 48,000 |
Allowance as a percentage of outstanding loans and leases | 0.00% | ' | 0.00% | ' | 0.00% |
Loans Individually Evaluated for Impairment [Member] | HELOC [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Ending Allowance | 0 | ' | 0 | ' | 0 |
Loans receivable, gross | 1,020,000 | ' | 1,020,000 | ' | 1,017,000 |
Allowance as a percentage of outstanding loans and leases | 0.00% | ' | 0.00% | ' | 0.00% |
Loans Individually Evaluated for Impairment [Member] | Consumer [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Ending Allowance | 0 | ' | 0 | ' | 0 |
Loans receivable, gross | 0 | ' | 0 | ' | 0 |
Allowance as a percentage of outstanding loans and leases | 0.00% | ' | 0.00% | ' | 0.00% |
Nonperforming Financing Receivable [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Loans receivable, gross | 174,789,000 | 246,075,000 | 174,789,000 | 246,075,000 | ' |
Grade as percentage of total gross loans | 1.22% | 1.88% | 1.22% | 1.88% | ' |
Nonaccrual loans by portfolio segment | 100,198,000 | ' | 100,198,000 | ' | 131,299,000 |
Nonperforming Financing Receivable [Member] | Single-Family Residential [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Nonaccrual loans by portfolio segment | 81,740,000 | ' | 81,740,000 | ' | 100,460,000 |
Nonperforming Financing Receivable [Member] | Construction - Speculative [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Nonaccrual loans by portfolio segment | 2,132,000 | ' | 2,132,000 | ' | 4,560,000 |
Nonperforming Financing Receivable [Member] | Construction - Custom [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Nonaccrual loans by portfolio segment | 265,000 | ' | 265,000 | ' | 0 |
Nonperforming Financing Receivable [Member] | Land - Acquisition & Development [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Nonaccrual loans by portfolio segment | 2,113,000 | ' | 2,113,000 | ' | 2,903,000 |
Nonperforming Financing Receivable [Member] | Land - Consumer Lot Loans [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Nonaccrual loans by portfolio segment | 3,007,000 | ' | 3,007,000 | ' | 3,337,000 |
Nonperforming Financing Receivable [Member] | Multi-Family [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Nonaccrual loans by portfolio segment | 2,199,000 | ' | 2,199,000 | ' | 6,573,000 |
Nonperforming Financing Receivable [Member] | Commercial Real Estate [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Nonaccrual loans by portfolio segment | 7,101,000 | ' | 7,101,000 | ' | 11,736,000 |
Nonperforming Financing Receivable [Member] | Commercial & Industrial [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Nonaccrual loans by portfolio segment | 579,000 | ' | 579,000 | ' | 477,000 |
Nonperforming Financing Receivable [Member] | HELOC [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Nonaccrual loans by portfolio segment | 441,000 | ' | 441,000 | ' | 263,000 |
Nonperforming Financing Receivable [Member] | Consumer [Member] | ' | ' | ' | ' | ' |
Financing Receivable, Allowance for Credit Losses [Roll Forward] | ' | ' | ' | ' | ' |
Nonaccrual loans by portfolio segment | $621,000 | ' | $621,000 | ' | $990,000 |
Allowance_for_Losses_on_Loans_2
Allowance for Losses on Loans (Internally Assigned Grade) (Details) (USD $) | Mar. 31, 2014 | Sep. 30, 2013 |
In Thousands, unless otherwise specified | ||
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | $8,181,174 | $7,990,545 |
Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 7,866,543 | 7,639,717 |
Grade as percentage of total gross loans | 96.20% | 95.60% |
Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 64,993 | 42,499 |
Grade as percentage of total gross loans | 0.80% | 0.50% |
Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 249,561 | 308,329 |
Grade as percentage of total gross loans | 3.00% | 3.90% |
Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 77 | 0 |
Grade as percentage of total gross loans | 0.00% | 0.00% |
Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Grade as percentage of total gross loans | 0.00% | 0.00% |
Single-Family Residential [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 5,462,093 | 5,373,950 |
Construction - Speculative [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 135,001 | 130,778 |
Construction - Custom [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 354,279 | 302,722 |
Land - Acquisition & Development [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 77,049 | 81,660 |
Land - Consumer Lot Loans [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 116,864 | 124,984 |
Multi-Family [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 869,635 | 835,598 |
Commercial Real Estate [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 634,457 | 625,293 |
Commercial & Industrial [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 351,705 | 326,450 |
HELOC [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 131,852 | 133,631 |
Consumer [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 48,239 | 55,479 |
Non-Acquired Loans [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 7,876,985 | 7,641,266 |
Non-Acquired Loans [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 7,622,239 | 7,363,923 |
Non-Acquired Loans [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 42,028 | 33,384 |
Non-Acquired Loans [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 212,681 | 243,959 |
Non-Acquired Loans [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 37 | 0 |
Non-Acquired Loans [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Non-Acquired Loans [Member] | Single-Family Residential [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 5,448,587 | 5,359,149 |
Non-Acquired Loans [Member] | Single-Family Residential [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 5,282,350 | 5,184,101 |
Non-Acquired Loans [Member] | Single-Family Residential [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 3,009 | 4,595 |
Non-Acquired Loans [Member] | Single-Family Residential [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 163,228 | 170,453 |
Non-Acquired Loans [Member] | Single-Family Residential [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Non-Acquired Loans [Member] | Single-Family Residential [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Non-Acquired Loans [Member] | Construction - Speculative [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 135,001 | 130,778 |
Non-Acquired Loans [Member] | Construction - Speculative [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 119,429 | 99,436 |
Non-Acquired Loans [Member] | Construction - Speculative [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 3,199 |
Non-Acquired Loans [Member] | Construction - Speculative [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 15,572 | 28,143 |
Non-Acquired Loans [Member] | Construction - Speculative [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Non-Acquired Loans [Member] | Construction - Speculative [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Non-Acquired Loans [Member] | Construction - Custom [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 354,279 | 302,722 |
Non-Acquired Loans [Member] | Construction - Custom [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 354,279 | 302,722 |
Non-Acquired Loans [Member] | Construction - Custom [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Non-Acquired Loans [Member] | Construction - Custom [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Non-Acquired Loans [Member] | Construction - Custom [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Non-Acquired Loans [Member] | Construction - Custom [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Non-Acquired Loans [Member] | Land - Acquisition & Development [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 74,155 | 77,775 |
Non-Acquired Loans [Member] | Land - Acquisition & Development [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 64,579 | 64,355 |
Non-Acquired Loans [Member] | Land - Acquisition & Development [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 775 |
Non-Acquired Loans [Member] | Land - Acquisition & Development [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 9,576 | 12,645 |
Non-Acquired Loans [Member] | Land - Acquisition & Development [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Non-Acquired Loans [Member] | Land - Acquisition & Development [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Non-Acquired Loans [Member] | Land - Consumer Lot Loans [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 113,623 | 121,671 |
Non-Acquired Loans [Member] | Land - Consumer Lot Loans [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 113,160 | 121,039 |
Non-Acquired Loans [Member] | Land - Consumer Lot Loans [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Non-Acquired Loans [Member] | Land - Consumer Lot Loans [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 463 | 632 |
Non-Acquired Loans [Member] | Land - Consumer Lot Loans [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Non-Acquired Loans [Member] | Land - Consumer Lot Loans [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Non-Acquired Loans [Member] | Multi-Family [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 866,097 | 831,684 |
Non-Acquired Loans [Member] | Multi-Family [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 859,295 | 819,911 |
Non-Acquired Loans [Member] | Multi-Family [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 1,825 | 2,114 |
Non-Acquired Loans [Member] | Multi-Family [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 4,977 | 9,659 |
Non-Acquired Loans [Member] | Multi-Family [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Non-Acquired Loans [Member] | Multi-Family [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Non-Acquired Loans [Member] | Commercial Real Estate [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 454,246 | 414,961 |
Non-Acquired Loans [Member] | Commercial Real Estate [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 419,914 | 373,012 |
Non-Acquired Loans [Member] | Commercial Real Estate [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 17,526 | 21,652 |
Non-Acquired Loans [Member] | Commercial Real Estate [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 16,806 | 20,297 |
Non-Acquired Loans [Member] | Commercial Real Estate [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Non-Acquired Loans [Member] | Commercial Real Estate [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Non-Acquired Loans [Member] | Commercial & Industrial [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 277,109 | 243,199 |
Non-Acquired Loans [Member] | Commercial & Industrial [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 255,607 | 240,441 |
Non-Acquired Loans [Member] | Commercial & Industrial [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 19,668 | 1,049 |
Non-Acquired Loans [Member] | Commercial & Industrial [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 1,797 | 1,709 |
Non-Acquired Loans [Member] | Commercial & Industrial [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 37 | 0 |
Non-Acquired Loans [Member] | Commercial & Industrial [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Non-Acquired Loans [Member] | HELOC [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 112,549 | 112,186 |
Non-Acquired Loans [Member] | HELOC [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 112,549 | 112,186 |
Non-Acquired Loans [Member] | HELOC [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Non-Acquired Loans [Member] | HELOC [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Non-Acquired Loans [Member] | HELOC [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Non-Acquired Loans [Member] | HELOC [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Non-Acquired Loans [Member] | Consumer [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 41,339 | 47,141 |
Non-Acquired Loans [Member] | Consumer [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 41,077 | 46,720 |
Non-Acquired Loans [Member] | Consumer [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Non-Acquired Loans [Member] | Consumer [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 262 | 421 |
Non-Acquired Loans [Member] | Consumer [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Non-Acquired Loans [Member] | Consumer [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 218,518 | 250,379 |
Acquired Loans [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 180,359 | 209,754 |
Acquired Loans [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 17,199 | 5,499 |
Acquired Loans [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 20,920 | 35,126 |
Acquired Loans [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 40 | 0 |
Acquired Loans [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Single-Family Residential [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 13,177 | 14,468 |
Acquired Loans [Member] | Single-Family Residential [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 13,177 | 14,468 |
Acquired Loans [Member] | Single-Family Residential [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Single-Family Residential [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Single-Family Residential [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Single-Family Residential [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Construction - Speculative [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Construction - Speculative [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Construction - Speculative [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Construction - Speculative [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Construction - Speculative [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Construction - Speculative [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Construction - Custom [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Construction - Custom [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Construction - Custom [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Construction - Custom [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Construction - Custom [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Construction - Custom [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Land - Acquisition & Development [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 1,135 | 1,489 |
Acquired Loans [Member] | Land - Acquisition & Development [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 726 | 312 |
Acquired Loans [Member] | Land - Acquisition & Development [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Land - Acquisition & Development [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 409 | 1,177 |
Acquired Loans [Member] | Land - Acquisition & Development [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Land - Acquisition & Development [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Land - Consumer Lot Loans [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 3,241 | 3,313 |
Acquired Loans [Member] | Land - Consumer Lot Loans [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 3,116 | 3,313 |
Acquired Loans [Member] | Land - Consumer Lot Loans [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Land - Consumer Lot Loans [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 125 | 0 |
Acquired Loans [Member] | Land - Consumer Lot Loans [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Land - Consumer Lot Loans [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Multi-Family [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 3,538 | 3,914 |
Acquired Loans [Member] | Multi-Family [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 3,402 | 3,227 |
Acquired Loans [Member] | Multi-Family [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Multi-Family [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 136 | 687 |
Acquired Loans [Member] | Multi-Family [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Multi-Family [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Commercial Real Estate [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 112,089 | 133,423 |
Acquired Loans [Member] | Commercial Real Estate [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 93,378 | 105,055 |
Acquired Loans [Member] | Commercial Real Estate [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 3,473 | 4,190 |
Acquired Loans [Member] | Commercial Real Estate [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 15,235 | 24,178 |
Acquired Loans [Member] | Commercial Real Estate [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 3 | 0 |
Acquired Loans [Member] | Commercial Real Estate [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Commercial & Industrial [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 69,872 | 75,326 |
Acquired Loans [Member] | Commercial & Industrial [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 51,471 | 64,933 |
Acquired Loans [Member] | Commercial & Industrial [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 13,726 | 1,309 |
Acquired Loans [Member] | Commercial & Industrial [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 4,638 | 9,084 |
Acquired Loans [Member] | Commercial & Industrial [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 37 | 0 |
Acquired Loans [Member] | Commercial & Industrial [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | HELOC [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 8,624 | 10,179 |
Acquired Loans [Member] | HELOC [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 8,624 | 10,179 |
Acquired Loans [Member] | HELOC [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | HELOC [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | HELOC [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | HELOC [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Consumer [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 6,842 | 8,267 |
Acquired Loans [Member] | Consumer [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 6,465 | 8,267 |
Acquired Loans [Member] | Consumer [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Consumer [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 377 | 0 |
Acquired Loans [Member] | Consumer [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Acquired Loans [Member] | Consumer [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Credit Impaired Acquired Loans [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 85,671 | 98,900 |
Credit Impaired Acquired Loans [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 63,945 | 66,040 |
Credit Impaired Acquired Loans [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 5,766 | 3,616 |
Credit Impaired Acquired Loans [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 15,960 | 29,244 |
Credit Impaired Acquired Loans [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Credit Impaired Acquired Loans [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Credit Impaired Acquired Loans [Member] | Single-Family Residential [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 329 | 333 |
Credit Impaired Acquired Loans [Member] | Single-Family Residential [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 329 | 333 |
Credit Impaired Acquired Loans [Member] | Single-Family Residential [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Credit Impaired Acquired Loans [Member] | Single-Family Residential [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Credit Impaired Acquired Loans [Member] | Single-Family Residential [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Credit Impaired Acquired Loans [Member] | Single-Family Residential [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Credit Impaired Acquired Loans [Member] | Construction - Speculative [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Credit Impaired Acquired Loans [Member] | Construction, Speculative and Land, Acquisition and Development [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 1,758 | 2,396 |
Credit Impaired Acquired Loans [Member] | Construction, Speculative and Land, Acquisition and Development [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 1,387 | 980 |
Credit Impaired Acquired Loans [Member] | Construction, Speculative and Land, Acquisition and Development [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 461 |
Credit Impaired Acquired Loans [Member] | Construction, Speculative and Land, Acquisition and Development [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 371 | 955 |
Credit Impaired Acquired Loans [Member] | Construction, Speculative and Land, Acquisition and Development [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Credit Impaired Acquired Loans [Member] | Construction, Speculative and Land, Acquisition and Development [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Credit Impaired Acquired Loans [Member] | Land - Acquisition & Development [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 1,759 | 2,396 |
Credit Impaired Acquired Loans [Member] | Multi-Family [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Credit Impaired Acquired Loans [Member] | Multi-Family [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Credit Impaired Acquired Loans [Member] | Multi-Family [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Credit Impaired Acquired Loans [Member] | Multi-Family [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Credit Impaired Acquired Loans [Member] | Multi-Family [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Credit Impaired Acquired Loans [Member] | Multi-Family [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Credit Impaired Acquired Loans [Member] | HELOC & Other Consumer [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 10,738 | 11,337 |
Credit Impaired Acquired Loans [Member] | HELOC & Other Consumer [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 10,335 | 11,337 |
Credit Impaired Acquired Loans [Member] | HELOC & Other Consumer [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Credit Impaired Acquired Loans [Member] | HELOC & Other Consumer [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 403 | 0 |
Credit Impaired Acquired Loans [Member] | HELOC & Other Consumer [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Credit Impaired Acquired Loans [Member] | HELOC & Other Consumer [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Credit Impaired Acquired Loans [Member] | Commercial Real Estate [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 68,122 | 76,909 |
Credit Impaired Acquired Loans [Member] | Commercial Real Estate [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 50,768 | 52,509 |
Credit Impaired Acquired Loans [Member] | Commercial Real Estate [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 2,168 | 3,155 |
Credit Impaired Acquired Loans [Member] | Commercial Real Estate [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 15,186 | 21,245 |
Credit Impaired Acquired Loans [Member] | Commercial Real Estate [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Credit Impaired Acquired Loans [Member] | Commercial Real Estate [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Credit Impaired Acquired Loans [Member] | Commercial & Industrial [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 4,724 | 7,925 |
Credit Impaired Acquired Loans [Member] | Commercial & Industrial [Member] | Pass [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 1,126 | 881 |
Credit Impaired Acquired Loans [Member] | Commercial & Industrial [Member] | Special Mention [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 3,598 | 0 |
Credit Impaired Acquired Loans [Member] | Commercial & Industrial [Member] | Substandard [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 7,044 |
Credit Impaired Acquired Loans [Member] | Commercial & Industrial [Member] | Doubtful [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Credit Impaired Acquired Loans [Member] | Commercial & Industrial [Member] | Loss [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 0 | 0 |
Credit Impaired Acquired Loans [Member] | HELOC [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | 10,679 | 11,266 |
Credit Impaired Acquired Loans [Member] | Consumer [Member] | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' |
Loans receivable, gross | $58 | $71 |
Allowance_for_Losses_on_Loans_3
Allowance for Losses on Loans (Credit Risk Profile Based on Payment Activity) (Details) (USD $) | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2013 |
In Thousands, unless otherwise specified | |||
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Loans receivable, gross | $8,181,174 | $7,990,545 | ' |
Nonaccrual loans by portfolio segment | 100,198 | 131,299 | 149,033 |
Performing Financing Receivable [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Loans receivable, gross | 7,776,787 | 7,509,967 | ' |
Grade as percentage of total gross loans | 98.70% | 98.30% | ' |
Nonperforming Financing Receivable [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Loans receivable, gross | 174,789 | ' | 246,075 |
Grade as percentage of total gross loans | 1.22% | ' | 1.88% |
Nonaccrual loans by portfolio segment | 100,198 | 131,299 | ' |
Grade as a percetage of total gross loans | 1.30% | 1.70% | ' |
Single-Family Residential [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Loans receivable, gross | 5,462,093 | 5,373,950 | ' |
Nonaccrual loans by portfolio segment | 81,740 | 100,460 | ' |
Single-Family Residential [Member] | Performing Financing Receivable [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Loans receivable, gross | 5,366,847 | 5,258,688 | ' |
Grade as percentage of total gross loans | 98.50% | 98.10% | ' |
Single-Family Residential [Member] | Nonperforming Financing Receivable [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Nonaccrual loans by portfolio segment | 81,740 | 100,460 | ' |
Grade as a percetage of total gross loans | 1.50% | 1.90% | ' |
Construction - Speculative [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Loans receivable, gross | 135,001 | 130,778 | ' |
Nonaccrual loans by portfolio segment | 2,132 | 4,560 | ' |
Construction - Speculative [Member] | Performing Financing Receivable [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Loans receivable, gross | 132,869 | 126,218 | ' |
Grade as percentage of total gross loans | 98.40% | 96.50% | ' |
Construction - Speculative [Member] | Nonperforming Financing Receivable [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Nonaccrual loans by portfolio segment | 2,132 | 4,560 | ' |
Grade as a percetage of total gross loans | 1.60% | 3.50% | ' |
Construction - Custom [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Loans receivable, gross | 354,279 | 302,722 | ' |
Nonaccrual loans by portfolio segment | 265 | 0 | ' |
Construction - Custom [Member] | Performing Financing Receivable [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Loans receivable, gross | 354,014 | 302,722 | ' |
Grade as percentage of total gross loans | 99.90% | 100.00% | ' |
Construction - Custom [Member] | Nonperforming Financing Receivable [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Nonaccrual loans by portfolio segment | 265 | 0 | ' |
Grade as a percetage of total gross loans | 0.10% | 0.00% | ' |
Land - Acquisition & Development [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Loans receivable, gross | 77,049 | 81,660 | ' |
Nonaccrual loans by portfolio segment | 2,113 | 2,903 | ' |
Land - Acquisition & Development [Member] | Performing Financing Receivable [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Loans receivable, gross | 72,042 | 74,872 | ' |
Grade as percentage of total gross loans | 97.20% | 96.30% | ' |
Land - Acquisition & Development [Member] | Nonperforming Financing Receivable [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Nonaccrual loans by portfolio segment | 2,113 | 2,903 | ' |
Grade as a percetage of total gross loans | 2.80% | 3.70% | ' |
Land - Consumer Lot Loans [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Loans receivable, gross | 116,864 | 124,984 | ' |
Nonaccrual loans by portfolio segment | 3,007 | 3,337 | ' |
Land - Consumer Lot Loans [Member] | Performing Financing Receivable [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Loans receivable, gross | 110,616 | 118,334 | ' |
Grade as percentage of total gross loans | 97.40% | 97.30% | ' |
Land - Consumer Lot Loans [Member] | Nonperforming Financing Receivable [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Nonaccrual loans by portfolio segment | 3,007 | 3,337 | ' |
Grade as a percetage of total gross loans | 2.60% | 2.70% | ' |
Multi-Family [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Loans receivable, gross | 869,635 | 835,598 | ' |
Nonaccrual loans by portfolio segment | 2,199 | 6,573 | ' |
Multi-Family [Member] | Performing Financing Receivable [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Loans receivable, gross | 863,898 | 825,111 | ' |
Grade as percentage of total gross loans | 99.70% | 99.20% | ' |
Multi-Family [Member] | Nonperforming Financing Receivable [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Nonaccrual loans by portfolio segment | 2,199 | 6,573 | ' |
Grade as a percetage of total gross loans | 0.30% | 0.80% | ' |
Commercial Real Estate [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Loans receivable, gross | 634,457 | 625,293 | ' |
Nonaccrual loans by portfolio segment | 7,101 | 11,736 | ' |
Commercial Real Estate [Member] | Performing Financing Receivable [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Loans receivable, gross | 447,145 | 389,423 | ' |
Grade as percentage of total gross loans | 98.40% | 97.10% | ' |
Commercial Real Estate [Member] | Nonperforming Financing Receivable [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Nonaccrual loans by portfolio segment | 7,101 | 11,736 | ' |
Grade as a percetage of total gross loans | 1.60% | 2.90% | ' |
Commercial & Industrial [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Loans receivable, gross | 351,705 | 326,450 | ' |
Nonaccrual loans by portfolio segment | 579 | 477 | ' |
Commercial & Industrial [Member] | Performing Financing Receivable [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Loans receivable, gross | 276,530 | 256,525 | ' |
Grade as percentage of total gross loans | 99.80% | 99.80% | ' |
Commercial & Industrial [Member] | Nonperforming Financing Receivable [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Nonaccrual loans by portfolio segment | 579 | 477 | ' |
Grade as a percetage of total gross loans | 0.20% | 0.20% | ' |
HELOC [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Loans receivable, gross | 131,852 | 133,631 | ' |
Nonaccrual loans by portfolio segment | 441 | 263 | ' |
HELOC [Member] | Performing Financing Receivable [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Loans receivable, gross | 112,108 | 111,923 | ' |
Grade as percentage of total gross loans | 99.60% | 99.80% | ' |
HELOC [Member] | Nonperforming Financing Receivable [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Nonaccrual loans by portfolio segment | 441 | 263 | ' |
Grade as a percetage of total gross loans | 0.40% | 0.20% | ' |
Consumer [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Loans receivable, gross | 48,239 | 55,479 | ' |
Nonaccrual loans by portfolio segment | 621 | 990 | ' |
Consumer [Member] | Performing Financing Receivable [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Loans receivable, gross | 40,718 | 46,151 | ' |
Grade as percentage of total gross loans | 98.50% | 97.90% | ' |
Consumer [Member] | Nonperforming Financing Receivable [Member] | ' | ' | ' |
Financing Receivable, Recorded Investment [Line Items] | ' | ' | ' |
Nonaccrual loans by portfolio segment | $621 | $990 | ' |
Grade as a percetage of total gross loans | 1.50% | 0.20% | ' |
Allowance_for_Losses_on_Loans_4
Allowance for Losses on Loans (Impaired Loans Based on Loan Types) (Details) (USD $) | 3 Months Ended | 12 Months Ended |
In Thousands, unless otherwise specified | Mar. 31, 2014 | Sep. 30, 2013 |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | $462,400 | $454,557 |
Unpaid Principal Balance | 505,281 | 510,623 |
Related Allowance | 16,565 | 18,610 |
Average Recorded Investment | 451,647 | 425,267 |
Amount of related allowance included in specific reserves | 835 | 3,473 |
Amount of related allowance included in general reserves | 15,730 | 15,137 |
Financing Receivable, Impairment, No Related Allowance [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 60,630 | 80,772 |
Unpaid Principal Balance | 95,206 | 126,674 |
Related Allowance | 0 | 0 |
Average Recorded Investment | 50,822 | 43,952 |
Financing Receivable, Impairment, Allowance Recorded [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 401,770 | 373,785 |
Unpaid Principal Balance | 410,075 | 383,949 |
Related Allowance | 16,565 | 18,610 |
Average Recorded Investment | 400,825 | 381,315 |
Single-Family Residential [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 375,113 | 369,023 |
Unpaid Principal Balance | 384,688 | 380,838 |
Related Allowance | 15,730 | 15,137 |
Average Recorded Investment | 371,742 | 351,865 |
Single-Family Residential [Member] | Financing Receivable, Impairment, No Related Allowance [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 26,196 | 33,883 |
Unpaid Principal Balance | 29,644 | 38,928 |
Related Allowance | 0 | 0 |
Average Recorded Investment | 23,970 | 21,458 |
Single-Family Residential [Member] | Financing Receivable, Impairment, Allowance Recorded [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 348,917 | 335,140 |
Unpaid Principal Balance | 355,044 | 341,910 |
Related Allowance | 15,730 | 15,137 |
Average Recorded Investment | 347,772 | 330,407 |
Construction - Speculative [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 11,382 | 12,783 |
Unpaid Principal Balance | 12,435 | 13,441 |
Related Allowance | 60 | 1,100 |
Average Recorded Investment | 11,618 | 15,701 |
Construction - Speculative [Member] | Financing Receivable, Impairment, No Related Allowance [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 1,769 | 3,891 |
Unpaid Principal Balance | 2,392 | 4,099 |
Related Allowance | 0 | 0 |
Average Recorded Investment | 1,993 | 3,339 |
Construction - Speculative [Member] | Financing Receivable, Impairment, Allowance Recorded [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 9,613 | 8,892 |
Unpaid Principal Balance | 10,043 | 9,342 |
Related Allowance | 60 | 1,100 |
Average Recorded Investment | 9,625 | 12,362 |
Construction - Custom [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 1,461 | 0 |
Unpaid Principal Balance | 1,461 | 0 |
Related Allowance | 0 | 0 |
Average Recorded Investment | 1,329 | 0 |
Construction - Custom [Member] | Financing Receivable, Impairment, No Related Allowance [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 265 | 0 |
Unpaid Principal Balance | 265 | 0 |
Related Allowance | 0 | 0 |
Average Recorded Investment | 133 | 0 |
Construction - Custom [Member] | Financing Receivable, Impairment, Allowance Recorded [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 1,196 | 0 |
Unpaid Principal Balance | 1,196 | 0 |
Related Allowance | 0 | 0 |
Average Recorded Investment | 1,196 | 0 |
Land - Acquisition & Development [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 7,137 | 5,618 |
Unpaid Principal Balance | 15,429 | 14,707 |
Related Allowance | 775 | 0 |
Average Recorded Investment | 7,387 | 10,863 |
Land - Acquisition & Development [Member] | Financing Receivable, Impairment, No Related Allowance [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 1,973 | 3,020 |
Unpaid Principal Balance | 9,325 | 10,705 |
Related Allowance | 0 | 0 |
Average Recorded Investment | 2,085 | 2,548 |
Land - Acquisition & Development [Member] | Financing Receivable, Impairment, Allowance Recorded [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 5,164 | 2,598 |
Unpaid Principal Balance | 6,104 | 4,002 |
Related Allowance | 775 | 0 |
Average Recorded Investment | 5,302 | 8,315 |
Land - Consumer Lot Loans [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 15,509 | 15,817 |
Unpaid Principal Balance | 15,990 | 16,390 |
Related Allowance | 0 | 2,222 |
Average Recorded Investment | 15,566 | 14,140 |
Land - Consumer Lot Loans [Member] | Financing Receivable, Impairment, No Related Allowance [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 2,239 | 3,186 |
Unpaid Principal Balance | 2,337 | 3,376 |
Related Allowance | 0 | 0 |
Average Recorded Investment | 2,261 | 1,839 |
Land - Consumer Lot Loans [Member] | Financing Receivable, Impairment, Allowance Recorded [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 13,270 | 12,631 |
Unpaid Principal Balance | 13,653 | 13,014 |
Related Allowance | 0 | 2,222 |
Average Recorded Investment | 13,305 | 12,301 |
Multi-Family [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 8,991 | 10,887 |
Unpaid Principal Balance | 9,252 | 11,107 |
Related Allowance | 0 | 46 |
Average Recorded Investment | 8,560 | 9,465 |
Multi-Family [Member] | Financing Receivable, Impairment, No Related Allowance [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 1,264 | 4,929 |
Unpaid Principal Balance | 1,305 | 4,929 |
Related Allowance | 0 | 0 |
Average Recorded Investment | 816 | 1,734 |
Multi-Family [Member] | Financing Receivable, Impairment, Allowance Recorded [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 7,727 | 5,958 |
Unpaid Principal Balance | 7,947 | 6,178 |
Related Allowance | 0 | 46 |
Average Recorded Investment | 7,744 | 7,731 |
Commercial Real Estate [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 36,955 | 31,076 |
Unpaid Principal Balance | 39,891 | 40,352 |
Related Allowance | 0 | 105 |
Average Recorded Investment | 29,587 | 18,972 |
Commercial Real Estate [Member] | Financing Receivable, Impairment, No Related Allowance [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 22,498 | 23,537 |
Unpaid Principal Balance | 25,229 | 31,876 |
Related Allowance | 0 | 0 |
Average Recorded Investment | 15,076 | 9,651 |
Commercial Real Estate [Member] | Financing Receivable, Impairment, Allowance Recorded [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 14,457 | 7,539 |
Unpaid Principal Balance | 14,662 | 8,476 |
Related Allowance | 0 | 105 |
Average Recorded Investment | 14,511 | 9,321 |
Commercial & Industrial [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 3,874 | 7,335 |
Unpaid Principal Balance | 23,768 | 31,253 |
Related Allowance | 0 | 0 |
Average Recorded Investment | 3,935 | 3,134 |
Commercial & Industrial [Member] | Financing Receivable, Impairment, No Related Allowance [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 3,843 | 7,279 |
Unpaid Principal Balance | 23,737 | 31,197 |
Related Allowance | 0 | 0 |
Average Recorded Investment | 3,897 | 3,123 |
Commercial & Industrial [Member] | Financing Receivable, Impairment, Allowance Recorded [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 31 | 56 |
Unpaid Principal Balance | 31 | 56 |
Related Allowance | 0 | 0 |
Average Recorded Investment | 38 | 11 |
HELOC [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 1,460 | 1,384 |
Unpaid Principal Balance | 1,794 | 1,884 |
Related Allowance | 0 | 0 |
Average Recorded Investment | 1,460 | 991 |
HELOC [Member] | Financing Receivable, Impairment, No Related Allowance [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 262 | 446 |
Unpaid Principal Balance | 596 | 946 |
Related Allowance | 0 | 0 |
Average Recorded Investment | 262 | 133 |
HELOC [Member] | Financing Receivable, Impairment, Allowance Recorded [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 1,198 | 938 |
Unpaid Principal Balance | 1,198 | 938 |
Related Allowance | 0 | 0 |
Average Recorded Investment | 1,198 | 858 |
Consumer [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 518 | 634 |
Unpaid Principal Balance | 573 | 651 |
Related Allowance | 0 | 0 |
Average Recorded Investment | 463 | 136 |
Consumer [Member] | Financing Receivable, Impairment, No Related Allowance [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 321 | 601 |
Unpaid Principal Balance | 376 | 618 |
Related Allowance | 0 | 0 |
Average Recorded Investment | 329 | 127 |
Consumer [Member] | Financing Receivable, Impairment, Allowance Recorded [Member] | ' | ' |
Financing Receivable, Impaired [Line Items] | ' | ' |
Recorded Investment | 197 | 33 |
Unpaid Principal Balance | 197 | 33 |
Related Allowance | 0 | 0 |
Average Recorded Investment | $134 | $9 |
New_Accounting_Pronouncements_
New Accounting Pronouncements (Details) (USD $) | Mar. 31, 2014 |
In Millions, unless otherwise specified | |
New Accounting Pronouncements [Abstract] | ' |
Affordable Housing Tax Credits Expected to be Recognized in Current FIscal Year | $3 |
Affordable Housing Tax Credits, Net Investment Balance Recognized | 33 |
Affordable Housing Tax Credits, Income Tax Expense Expected to be Recognized in Current Fiscal Year | 4 |
Affordable Housing Tax Credits, Contingent Commitments for Equity Contributions in Current Fiscal Year [Member] | $31 |
Fair_Value_Measurements_Detail
Fair Value Measurements (Details) (USD $) | 3 Months Ended | 3 Months Ended | 6 Months Ended | 3 Months Ended | 6 Months Ended | 3 Months Ended | 6 Months Ended | 3 Months Ended | 6 Months Ended | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Mar. 31, 2013 | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2014 | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2014 | Sep. 30, 2013 | Mar. 31, 2014 | Mar. 31, 2014 | Mar. 31, 2014 | Mar. 31, 2014 | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 | Mar. 31, 2014 | Mar. 31, 2013 | |
Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Equity Securities [Member] | Equity Securities [Member] | Equity Securities [Member] | Equity Securities [Member] | Equity Securities [Member] | Equity Securities [Member] | Equity Securities [Member] | Equity Securities [Member] | US Treasury and Government [Member] | US Treasury and Government [Member] | US Treasury and Government [Member] | US Treasury and Government [Member] | US Treasury and Government [Member] | US Treasury and Government [Member] | US Treasury and Government [Member] | US Treasury and Government [Member] | Obligations of States and Political Subdivisions [Member] | Obligations of States and Political Subdivisions [Member] | Obligations of States and Political Subdivisions [Member] | Obligations of States and Political Subdivisions [Member] | Obligations of States and Political Subdivisions [Member] | Obligations of States and Political Subdivisions [Member] | Obligations of States and Political Subdivisions [Member] | Obligations of States and Political Subdivisions [Member] | Corporate Debt Securities [Member] | Corporate Debt Securities [Member] | Corporate Debt Securities [Member] | Corporate Debt Securities [Member] | Corporate Debt Securities [Member] | Corporate Debt Securities [Member] | Corporate Debt Securities [Member] | Corporate Debt Securities [Member] | Collateralized Mortgage Backed Securities [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Other Commercial Mortgage-Backed Securities [Member] | Other Commercial Mortgage-Backed Securities [Member] | Other Commercial Mortgage-Backed Securities [Member] | Other Commercial Mortgage-Backed Securities [Member] | Change During Period, Fair Value Disclosure [Member] | Change During Period, Fair Value Disclosure [Member] | Change During Period, Fair Value Disclosure [Member] | Change During Period, Fair Value Disclosure [Member] | Change During Period, Fair Value Disclosure [Member] | Change During Period, Fair Value Disclosure [Member] | Change During Period, Fair Value Disclosure [Member] | Change During Period, Fair Value Disclosure [Member] | Change During Period, Fair Value Disclosure [Member] | Change During Period, Fair Value Disclosure [Member] | Change During Period, Fair Value Disclosure [Member] | Change During Period, Fair Value Disclosure [Member] | Change During Period, Fair Value Disclosure [Member] | Change During Period, Fair Value Disclosure [Member] | Change During Period, Fair Value Disclosure [Member] | Change During Period, Fair Value Disclosure [Member] | ||||
Fair Value Total [Member] | Fair Value Total [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Inputs, Level 1 [Member] | Level 3 [Member] | Level 3 [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value Total [Member] | Fair Value Total [Member] | Fair Value Total [Member] | Fair Value Total [Member] | Fair Value Total [Member] | Fair Value Total [Member] | Fair Value Total [Member] | Fair Value Total [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Inputs, Level 1 [Member] | Level 3 [Member] | Level 3 [Member] | Level 3 [Member] | Level 3 [Member] | Level 3 [Member] | Level 3 [Member] | Level 3 [Member] | Level 3 [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Measurements, Nonrecurring [Member] | ||||
Impaired Loans [Member] | Impaired Loans [Member] | Covered Real Estate Owned [Member] | Covered Real Estate Owned [Member] | Real Estate Held for Sale [Member] | Real Estate Held for Sale [Member] | Impaired Loans [Member] | Impaired Loans [Member] | Covered Real Estate Owned [Member] | Covered Real Estate Owned [Member] | Real Estate Held for Sale [Member] | Real Estate Held for Sale [Member] | Impaired Loans [Member] | Impaired Loans [Member] | Covered Real Estate Owned [Member] | Covered Real Estate Owned [Member] | Real Estate Held for Sale [Member] | Real Estate Held for Sale [Member] | Impaired Loans [Member] | Impaired Loans [Member] | Covered Real Estate Owned [Member] | Covered Real Estate Owned [Member] | Real Estate Held for Sale [Member] | Real Estate Held for Sale [Member] | Fair Value Total [Member] | Fair Value Total [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Inputs, Level 1 [Member] | Level 3 [Member] | Level 3 [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value Total [Member] | Fair Value Total [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Inputs, Level 1 [Member] | Level 3 [Member] | Level 3 [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value Total [Member] | Fair Value Total [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Inputs, Level 1 [Member] | Level 3 [Member] | Level 3 [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value Total [Member] | Fair Value Total [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Inputs, Level 1 [Member] | Level 3 [Member] | Level 3 [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Inputs, Level 2 [Member] | Level 3 [Member] | Fair Value Total [Member] | Fair Value Total [Member] | Fair Value, Inputs, Level 1 [Member] | Fair Value, Inputs, Level 1 [Member] | Level 3 [Member] | Level 3 [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value, Inputs, Level 2 [Member] | Fair Value Total [Member] | Fair Value, Inputs, Level 1 [Member] | Level 3 [Member] | Fair Value, Inputs, Level 2 [Member] | Impaired Loans [Member] | Impaired Loans [Member] | Impaired Loans [Member] | Impaired Loans [Member] | Covered Real Estate Owned [Member] | Covered Real Estate Owned [Member] | Covered Real Estate Owned [Member] | Covered Real Estate Owned [Member] | Real Estate Held for Sale [Member] | Real Estate Held for Sale [Member] | Real Estate Held for Sale [Member] | Real Estate Held for Sale [Member] | ||||||||||||||||||||||||
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' |
Available-for-sale securities, at fair value | ' | $3,110,575,000 | $2,360,948,000 | $3,110,575,000 | $2,360,948,000 | $101,496,000 | $101,237,000 | $0 | $0 | $3,009,079,000 | $2,259,711,000 | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | $101,496,000 | $101,237,000 | $101,496,000 | $101,237,000 | $0 | $0 | $0 | $0 | $782,257,000 | $533,975,000 | $0 | $0 | $0 | $0 | $782,257,000 | $533,975,000 | $22,912,000 | $22,545,000 | $0 | $0 | $0 | $0 | $22,912,000 | $22,545,000 | $434,570,000 | $452,015,000 | $0 | $0 | $0 | $0 | $434,570,000 | $452,015,000 | $0 | $1,709,873,000 | $1,251,176,000 | $0 | $0 | $0 | $0 | $1,709,873,000 | $1,251,176,000 | $59,467,000 | $0 | $0 | $59,467,000 | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' |
Assets | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | 36,551,000 | 114,023,000 | 7,066,000 | 45,966,000 | 2,760,000 | 13,988,000 | 26,725,000 | 54,069,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 36,551,000 | 114,023,000 | 7,066,000 | 45,966,000 | 2,760,000 | 13,988,000 | 26,725,000 | 54,069,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' |
Loss Related to Impaired Loans and Real Estate Held for Sale, Measured on Nonrecurring Basis | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | 2,990,000 | 7,994,000 | 5,975,000 | 25,434,000 | 269,000 | 1,225,000 | -536,000 | 11,038,000 | 64,000 | 281,000 | 129,000 | 372,000 | 2,657,000 | 6,488,000 | 6,382,000 | 14,024,000 |
Liabilities, Fair Value Disclosure, Recurring | 0 | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' |
Liabilities, Fair Value Disclosure, Nonrecurring | ' | 0 | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' |
Gain on sale of investments | $0 | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' | ' |
Fair_Value_Measurements_Fair_V
Fair Value Measurements (Fair Value by Balance Sheet Grouping) (Details) (USD $) | Mar. 31, 2014 | Sep. 30, 2013 |
In Thousands, unless otherwise specified | ||
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] | ' | ' |
Available-for-sale securities | $3,110,575 | $2,360,948 |
FHLB & FRB stock | 167,174 | 173,009 |
Carrying Value [Member] | ' | ' |
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] | ' | ' |
Cash and cash equivalents | 608,236 | 203,563 |
Available-for-sale securities | 3,110,575 | 2,360,948 |
Held-to-maturity securities | 1,611,303 | 1,654,666 |
Loans receivable | 7,737,109 | 7,528,030 |
Covered loans | 229,605 | 295,947 |
FDIC indemnification asset | 53,289 | 64,615 |
FHLB & FRB stock | 167,174 | 173,009 |
Customer accounts | 10,344,891 | 9,090,271 |
FHLB advances and other borrowings | 1,930,000 | 1,930,000 |
Estimated Fair Value [Member] | ' | ' |
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] | ' | ' |
Cash and cash equivalents | 608,236 | 203,563 |
Available-for-sale securities | 3,110,575 | 2,360,948 |
Held-to-maturity securities | 1,527,531 | 1,582,849 |
Loans receivable | 8,205,310 | 8,070,279 |
Covered loans | 233,275 | 300,610 |
FDIC indemnification asset | 52,408 | 62,300 |
FHLB & FRB stock | 167,174 | 173,009 |
Customer accounts | 9,720,995 | 8,585,068 |
FHLB advances and other borrowings | 2,056,430 | 2,064,248 |
Other Commercial Mortgage-Backed Securities [Member] | Carrying Value [Member] | ' | ' |
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] | ' | ' |
Available-for-sale securities | 59,467 | 0 |
Other Commercial Mortgage-Backed Securities [Member] | Estimated Fair Value [Member] | ' | ' |
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] | ' | ' |
Available-for-sale securities | 59,467 | 0 |
Equity Securities [Member] | Carrying Value [Member] | ' | ' |
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] | ' | ' |
Available-for-sale securities | 101,496 | 101,237 |
Equity Securities [Member] | Estimated Fair Value [Member] | ' | ' |
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] | ' | ' |
Available-for-sale securities | 101,496 | 101,237 |
US Treasury and Government [Member] | Carrying Value [Member] | ' | ' |
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] | ' | ' |
Available-for-sale securities | 782,257 | 533,975 |
US Treasury and Government [Member] | Estimated Fair Value [Member] | ' | ' |
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] | ' | ' |
Available-for-sale securities | 782,257 | 533,975 |
Obligations of States and Political Subdivisions [Member] | Carrying Value [Member] | ' | ' |
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] | ' | ' |
Available-for-sale securities | 22,912 | 22,545 |
Obligations of States and Political Subdivisions [Member] | Estimated Fair Value [Member] | ' | ' |
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] | ' | ' |
Available-for-sale securities | 22,912 | 22,545 |
Corporate Debt Securities [Member] | Carrying Value [Member] | ' | ' |
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] | ' | ' |
Available-for-sale securities | 434,570 | 452,015 |
Corporate Debt Securities [Member] | Estimated Fair Value [Member] | ' | ' |
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] | ' | ' |
Available-for-sale securities | 434,570 | 452,015 |
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Carrying Value [Member] | ' | ' |
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] | ' | ' |
Available-for-sale securities | 1,709,873 | 1,251,176 |
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Estimated Fair Value [Member] | ' | ' |
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] | ' | ' |
Available-for-sale securities | $1,709,873 | $1,251,176 |
Fair_Value_Measurements_Invest
Fair Value Measurements (Investments by Contractual Maturity Date) (Details) (USD $) | 6 Months Ended | ||
In Thousands, unless otherwise specified | Mar. 31, 2014 | Mar. 31, 2013 | Sep. 30, 2013 |
Amortized Cost, Available-for-sale securities | ' | ' | ' |
Amortized Cost | $3,093,990 | ' | $2,350,864 |
Gross Unrealized Gains / Losses, Available-for-sale securities | ' | ' | ' |
Gross unrealized gains | 23,739 | ' | 19,686 |
Gross unrealized loss | -7,154 | ' | -9,602 |
Fair Value, Available-for-sale securities | ' | ' | ' |
Fair Value | 3,110,575 | ' | 2,360,948 |
Yield, Available-for-sale securities | ' | ' | ' |
Yield | 2.09% | ' | 1.70% |
Yield, Held-to-maturity securities | ' | ' | ' |
Investments | 4,705,293 | ' | 4,005,530 |
Gross unrealized gains on investments | 25,358 | ' | 23,073 |
Gross unrealized losses on investments | 92,545 | ' | 84,806 |
Fair value of investments | 4,638,106 | ' | 3,943,797 |
Yield on investments | 2.44% | ' | 2.30% |
Available-for-sale securities sold | 0 | 43,199 | ' |
Term of contractual due dates of substantially all mortgage-backed securities | '10 years | ' | ' |
US Treasury and Government [Member] | ' | ' | ' |
Amortized Cost, Available-for-sale securities | ' | ' | ' |
1 to 5 years | 111,002 | ' | 61,002 |
5 to 10 years | 143,562 | ' | 129,219 |
Over 10 years | 524,826 | ' | 344,571 |
Gross Unrealized Gains / Losses, Available-for-sale securities | ' | ' | ' |
Gross unrealized gains, 1 to 5 years | 2,933 | ' | 3,393 |
Gross unrealized gains, 5 to 10 years | 863 | ' | 0 |
Gross unrealized gains, Over 10 years | 1,284 | ' | 0 |
Gross unrealized losses, 1 to 5 years | -1,035 | ' | -252 |
Gross unrealized losses, 5 to 10 years | -244 | ' | -1,547 |
Gross unrealized losses, Over 10 years | -934 | ' | -2,411 |
Fair Value, Available-for-sale securities | ' | ' | ' |
1 to 5 years | 112,900 | ' | 64,143 |
5 to 10 years | 144,181 | ' | 127,672 |
Over 10 years | 525,176 | ' | 342,160 |
Yield, Available-for-sale securities | ' | ' | ' |
1 to 5 years | 1.58% | ' | 1.98% |
5 to 10 years | 1.55% | ' | 0.86% |
Over 10 years | 1.51% | ' | 0.93% |
Equity Securities [Member] | ' | ' | ' |
Amortized Cost, Available-for-sale securities | ' | ' | ' |
Within 1 year | 500 | ' | ' |
1 to 5 years | 100,000 | ' | 500 |
5 to 10 years | 0 | ' | 100,000 |
Gross Unrealized Gains / Losses, Available-for-sale securities | ' | ' | ' |
Gross unrealized gains, Within 1 year | 6 | ' | ' |
Gross unrealized gains, 1 to 5 years | 990 | ' | 11 |
Gross unrealized gains, 5 to 10 years | 0 | ' | 726 |
Gross unrealized losses, Within 1 year | 0 | ' | ' |
Gross unrealized losses, 1 to 5 years | 0 | ' | 0 |
Gross unrealized losses, 5 to 10 years | 0 | ' | 0 |
Fair Value, Available-for-sale securities | ' | ' | ' |
Within 1 year | 506 | ' | ' |
1 to 5 years | 100,990 | ' | 511 |
5 to 10 years | 0 | ' | 100,726 |
Yield, Available-for-sale securities | ' | ' | ' |
Within 1 year | 2.17% | ' | ' |
1 to 5 years | 1.80% | ' | 2.17% |
5 to 10 years | 0.00% | ' | 1.80% |
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | ' | ' | ' |
Amortized Cost, Available-for-sale securities | ' | ' | ' |
Without single maturity date | 1,703,893 | ' | 1,245,400 |
Gross Unrealized Gains / Losses, Available-for-sale securities | ' | ' | ' |
Gross unrealized gains, Without single maturity date | 10,746 | ' | 10,270 |
Gross unrealized losses, Without single maturity date | -4,766 | ' | -4,494 |
Fair Value, Available-for-sale securities | ' | ' | ' |
Without single maturity date | 1,709,873 | ' | 1,251,176 |
Yield, Available-for-sale securities | ' | ' | ' |
Without single maturity date | 2.59% | ' | 2.18% |
Amortized Cost, Held-to-maturity securities | ' | ' | ' |
Without single maturity date | 1,611,303 | ' | 1,654,666 |
Gross Unrealized Gains / Losses, Held-to-maturity securities | ' | ' | ' |
Gross unrealized gains, Without single maturity date | 1,619 | ' | 3,387 |
Gross unrealized losses, Without single maturity date | -85,391 | ' | -75,204 |
Fair Value, Held-to-maturity securities | ' | ' | ' |
Without single maturity date | 1,527,531 | ' | 1,582,849 |
Yield, Held-to-maturity securities | ' | ' | ' |
Without a single maturity date | 3.13% | ' | 3.14% |
Other Commercial Mortgage-Backed Securities [Member] | ' | ' | ' |
Amortized Cost, Available-for-sale securities | ' | ' | ' |
Without single maturity date | 59,300 | ' | ' |
Gross Unrealized Gains / Losses, Available-for-sale securities | ' | ' | ' |
Gross unrealized gains, Without single maturity date | 167 | ' | ' |
Gross unrealized losses, Without single maturity date | 0 | ' | ' |
Fair Value, Available-for-sale securities | ' | ' | ' |
Without single maturity date | 59,467 | ' | ' |
Yield, Available-for-sale securities | ' | ' | ' |
Without single maturity date | 1.69% | ' | ' |
Corporate Debt Securities [Member] | ' | ' | ' |
Amortized Cost, Available-for-sale securities | ' | ' | ' |
Within 1 year | 0 | ' | 19,500 |
1 to 5 years | 317,365 | ' | 317,190 |
5 to 10 years | 113,130 | ' | 113,060 |
Gross Unrealized Gains / Losses, Available-for-sale securities | ' | ' | ' |
Gross unrealized gains, Within 1 year | 0 | ' | 3 |
Gross unrealized gains, 1 to 5 years | 2,785 | ' | 1,980 |
Gross unrealized gains, 5 to 10 years | 1,465 | ' | 1,180 |
Gross unrealized losses, Within 1 year | 0 | ' | 0 |
Gross unrealized losses, 1 to 5 years | 0 | ' | -130 |
Gross unrealized losses, 5 to 10 years | -175 | ' | -768 |
Fair Value, Available-for-sale securities | ' | ' | ' |
Within 1 year | 0 | ' | 19,503 |
1 to 5 years | 320,150 | ' | 319,040 |
5 to 10 years | 114,420 | ' | 113,472 |
Yield, Available-for-sale securities | ' | ' | ' |
Within 1 year | 0.00% | ' | 0.49% |
1 to 5 years | 0.75% | ' | 0.75% |
5 to 10 years | 1.53% | ' | 1.53% |
Municipal Bonds [Member] | ' | ' | ' |
Amortized Cost, Available-for-sale securities | ' | ' | ' |
Over 10 years | 20,412 | ' | 20,422 |
Gross Unrealized Gains / Losses, Available-for-sale securities | ' | ' | ' |
Gross unrealized gains, Over 10 years | 2,500 | ' | 2,123 |
Gross unrealized losses, Over 10 years | 0 | ' | 0 |
Fair Value, Available-for-sale securities | ' | ' | ' |
Over 10 years | $22,912 | ' | $22,545 |
Yield, Available-for-sale securities | ' | ' | ' |
Over 10 years | 6.45% | ' | 6.45% |
Fair_Value_Measurements_Securi
Fair Value Measurements (Securities in Unrealized Loss Positions) (Details) (USD $) | 6 Months Ended | 12 Months Ended |
In Thousands, unless otherwise specified | Mar. 31, 2014 | Sep. 30, 2013 |
Schedule of Available-for-sale Securities [Line Items] | ' | ' |
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Losses | ($40,176) | ($83,095) |
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value | 1,419,243 | 2,065,491 |
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Losses | -52,369 | -1,711 |
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value | 956,313 | 190,357 |
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses | -92,545 | -84,806 |
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value | 2,375,556 | 2,255,848 |
Corporate Bond Securities [Member] | ' | ' |
Schedule of Available-for-sale Securities [Line Items] | ' | ' |
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Losses | -100 | -660 |
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value | 49,900 | 52,434 |
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Losses | -76 | -238 |
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value | 9,925 | 9,763 |
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses | -176 | -898 |
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value | 59,825 | 62,197 |
US Government Agencies Debt Securities [Member] | ' | ' |
Schedule of Available-for-sale Securities [Line Items] | ' | ' |
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Losses | -2,158 | -4,144 |
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value | 256,389 | 309,109 |
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Losses | -55 | -66 |
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value | 12,083 | 14,091 |
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses | -2,213 | -4,210 |
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value | 268,472 | 323,200 |
Agency Securities [Member] | ' | ' |
Schedule of Available-for-sale Securities [Line Items] | ' | ' |
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Losses | -37,918 | -78,291 |
Available-for-sale Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value | 1,112,954 | 1,703,948 |
Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Losses | -52,238 | -1,407 |
Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value | 934,305 | 166,503 |
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses | -90,156 | -79,698 |
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value | $2,047,259 | $1,870,451 |
Covered_Assets_Details
Covered Assets (Details) (USD $) | 6 Months Ended | 12 Months Ended |
In Thousands, unless otherwise specified | Mar. 31, 2014 | Sep. 30, 2013 |
Covered Assets [Line Items] | ' | ' |
Covered assets | $252,610 | $326,927 |
FDIC Indemnification Asset Movement Analysis [Roll Forward] | ' | ' |
Balance at beginning of period | 64,615 | 87,571 |
Additions | 1,896 | 18,101 |
Payments made (received) | -1,629 | -13,421 |
Amortization | -12,007 | -28,722 |
Accretion, Carrying Amount of Loans | 414 | 1,086 |
Balance at end of period | 53,289 | 64,615 |
Acquired Impaired Assets [Member] | ' | ' |
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Roll Forward] | ' | ' |
Balance at beginning of period, AccretableYield | 78,277 | 50,902 |
Balance at beginning of period, Carrying Amount of Loans | 138,091 | 74,953 |
Additions, AccretableYield | ' | 43,299 |
Additions, Carrying Amount of Loans | ' | 107,946 |
Reclassification from nonaccretable balance, net, AccretableYield | 5,885 | 17,850 |
Reclassification from nonaccretable balance, net, Carrying Amount of Loans | -2,069 | 0 |
Accretion, AccretableYield | -15,655 | -33,774 |
Transfers to REO, AccretableYield | 0 | 0 |
Transfers to REO, Carrying Amount of Loans | -678 | -11,196 |
Payments received, net, AccretableYield | 0 | 0 |
Payments received, net, Carrying Amount of Loans | -50,394 | -67,386 |
Balance at end of period, AccretableYield | 68,507 | 78,277 |
Balance at end of period, Carrying Amount of Loans | 100,605 | 138,091 |
FDIC Indemnification Asset Movement Analysis [Roll Forward] | ' | ' |
Accretion, Carrying Amount of Loans | 15,655 | 33,774 |
Acquired Non Impaired Assets [Member] | ' | ' |
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Roll Forward] | ' | ' |
Balance at beginning of period, AccretableYield | 17,263 | 23,789 |
Balance at beginning of period, Carrying Amount of Loans | 157,856 | 213,423 |
Additions, AccretableYield | ' | 0 |
Additions, Carrying Amount of Loans | ' | 0 |
Reclassification from nonaccretable balance, net, AccretableYield | 0 | 0 |
Reclassification from nonaccretable balance, net, Carrying Amount of Loans | 0 | 0 |
Accretion, AccretableYield | -3,475 | -6,526 |
Transfers to REO, AccretableYield | 0 | 0 |
Transfers to REO, Carrying Amount of Loans | 0 | 0 |
Payments received, net, AccretableYield | 0 | 0 |
Payments received, net, Carrying Amount of Loans | -32,331 | -62,093 |
Balance at end of period, AccretableYield | 13,788 | 17,263 |
Balance at end of period, Carrying Amount of Loans | 129,000 | 157,856 |
FDIC Indemnification Asset Movement Analysis [Roll Forward] | ' | ' |
Accretion, Carrying Amount of Loans | $3,475 | $6,526 |
Covered_Assets_Credit_Risk_Pro
Covered Assets (Credit Risk Profile by Internally Assigned Grade by Loan Status Designation) (Details) (USD $) | Mar. 31, 2014 | Sep. 30, 2013 |
In Thousands, unless otherwise specified | ||
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Loans and Leases Receivable, Covered Loans, Gross | $285,769 | $362,248 |
Discount balance related to acquired loans | -54,095 | -66,301 |
Covered loans, allowance for losses | -2,069 | 0 |
Loans and Leases Receivable, Covered Loans, Net Reported Amount | 229,605 | 295,947 |
Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 134,247 | 166,636 |
Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 151,522 | 195,612 |
Residential Portfolio Segment [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 25,522 | 28,460 |
Construction - Speculative [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Construction - Custom [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Land - Acquisition & Development [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 2,983 | 4,810 |
Land - Consumer Lot Loans [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 108 | 245 |
Multi-Family [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 16,814 | 18,852 |
Commercial Real Estate [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 67,686 | 89,499 |
Commercial & Industrial [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 7,267 | 9,416 |
HELOC [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 13,333 | 14,750 |
Consumer [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 534 | 604 |
Pool 1 - Construction and Land, Acquisition and Development [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 38,759 | 44,020 |
Pool 2 - Single-Family Residential [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 19,992 | 21,541 |
Pool 3 - Multi-family [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 1,081 | 5,231 |
Pool 4 - Home Equity Line of Credit and Other Consumer Loans [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 5,627 | 5,991 |
Pool 5 - Commercial Real Estate [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 76,872 | 105,553 |
Pool 6 - Commercial and Industrial [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 9,191 | 13,276 |
Pass [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Grade as percentage of total gross loans | 96.20% | 95.60% |
Pass [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 100,759 | 123,606 |
Grade as percentage of total gross loans | 75.10% | 74.20% |
Pass [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 77,998 | 84,903 |
Pass [Member] | Residential Portfolio Segment [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 23,060 | 26,426 |
Pass [Member] | Construction - Speculative [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Pass [Member] | Construction - Custom [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Pass [Member] | Land - Acquisition & Development [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 2,267 | 3,069 |
Pass [Member] | Land - Consumer Lot Loans [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 74 | 245 |
Pass [Member] | Multi-Family [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 16,814 | 17,217 |
Pass [Member] | Commercial Real Estate [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 40,675 | 56,120 |
Pass [Member] | Commercial & Industrial [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 4,041 | 5,175 |
Pass [Member] | HELOC [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 13,294 | 14,750 |
Pass [Member] | Consumer [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 534 | 604 |
Pass [Member] | Pool 1 - Construction and Land, Acquisition and Development [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 14,266 | 14,361 |
Pass [Member] | Pool 2 - Single-Family Residential [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 19,010 | 21,541 |
Pass [Member] | Pool 3 - Multi-family [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 55 | 4,131 |
Pass [Member] | Pool 4 - Home Equity Line of Credit and Other Consumer Loans [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 3,338 | 4,111 |
Pass [Member] | Pool 5 - Commercial Real Estate [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 36,352 | 36,494 |
Pass [Member] | Pool 6 - Commercial and Industrial [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 4,977 | 4,265 |
Special Mention [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Grade as percentage of total gross loans | 0.80% | 0.50% |
Special Mention [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 157 | 10,754 |
Grade as percentage of total gross loans | 0.10% | 6.40% |
Special Mention [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 4,429 | 19,613 |
Special Mention [Member] | Residential Portfolio Segment [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Special Mention [Member] | Construction - Speculative [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Special Mention [Member] | Construction - Custom [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Special Mention [Member] | Land - Acquisition & Development [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 1,019 |
Special Mention [Member] | Land - Consumer Lot Loans [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Special Mention [Member] | Multi-Family [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Special Mention [Member] | Commercial Real Estate [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 157 | 9,235 |
Special Mention [Member] | Commercial & Industrial [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 500 |
Special Mention [Member] | HELOC [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Special Mention [Member] | Consumer [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Special Mention [Member] | Pool 1 - Construction and Land, Acquisition and Development [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 4,296 |
Special Mention [Member] | Pool 2 - Single-Family Residential [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Special Mention [Member] | Pool 3 - Multi-family [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Special Mention [Member] | Pool 4 - Home Equity Line of Credit and Other Consumer Loans [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Special Mention [Member] | Pool 5 - Commercial Real Estate [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 3,992 | 15,113 |
Special Mention [Member] | Pool 6 - Commercial and Industrial [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 437 | 204 |
Substandard [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Grade as percentage of total gross loans | 3.00% | 3.90% |
Substandard [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 33,331 | 32,276 |
Grade as percentage of total gross loans | 24.80% | 19.40% |
Substandard [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 68,553 | 91,096 |
Substandard [Member] | Residential Portfolio Segment [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 2,462 | 2,034 |
Substandard [Member] | Construction - Speculative [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Substandard [Member] | Construction - Custom [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Substandard [Member] | Land - Acquisition & Development [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 716 | 722 |
Substandard [Member] | Land - Consumer Lot Loans [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 34 | 0 |
Substandard [Member] | Multi-Family [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 1,635 |
Substandard [Member] | Commercial Real Estate [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 26,854 | 24,144 |
Substandard [Member] | Commercial & Industrial [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 3,226 | 3,741 |
Substandard [Member] | HELOC [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 39 | 0 |
Substandard [Member] | Consumer [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Substandard [Member] | Pool 1 - Construction and Land, Acquisition and Development [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 24,493 | 25,363 |
Substandard [Member] | Pool 2 - Single-Family Residential [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 982 | 0 |
Substandard [Member] | Pool 3 - Multi-family [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 1,026 | 1,100 |
Substandard [Member] | Pool 4 - Home Equity Line of Credit and Other Consumer Loans [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 2,289 | 1,880 |
Substandard [Member] | Pool 5 - Commercial Real Estate [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 36,528 | 53,946 |
Substandard [Member] | Pool 6 - Commercial and Industrial [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 3,235 | 8,807 |
Doubtful [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Grade as percentage of total gross loans | 0.00% | 0.00% |
Doubtful [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Grade as percentage of total gross loans | 0.00% | 0.00% |
Doubtful [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 542 | 0 |
Doubtful [Member] | Residential Portfolio Segment [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Doubtful [Member] | Construction - Speculative [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Doubtful [Member] | Construction - Custom [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Doubtful [Member] | Land - Acquisition & Development [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Doubtful [Member] | Land - Consumer Lot Loans [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Doubtful [Member] | Multi-Family [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Doubtful [Member] | Commercial Real Estate [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Doubtful [Member] | Commercial & Industrial [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Doubtful [Member] | HELOC [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Doubtful [Member] | Consumer [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Doubtful [Member] | Pool 1 - Construction and Land, Acquisition and Development [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Doubtful [Member] | Pool 2 - Single-Family Residential [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Doubtful [Member] | Pool 3 - Multi-family [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Doubtful [Member] | Pool 4 - Home Equity Line of Credit and Other Consumer Loans [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Doubtful [Member] | Pool 5 - Commercial Real Estate [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Doubtful [Member] | Pool 6 - Commercial and Industrial [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 542 | 0 |
Loss [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Grade as percentage of total gross loans | 0.00% | 0.00% |
Loss [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Grade as percentage of total gross loans | 0.00% | 0.00% |
Loss [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Loss [Member] | Residential Portfolio Segment [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Loss [Member] | Construction - Speculative [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Loss [Member] | Construction - Custom [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Loss [Member] | Land - Acquisition & Development [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Loss [Member] | Land - Consumer Lot Loans [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Loss [Member] | Multi-Family [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Loss [Member] | Commercial Real Estate [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Loss [Member] | Commercial & Industrial [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Loss [Member] | HELOC [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Loss [Member] | Consumer [Member] | Acquired Non Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Loss [Member] | Pool 1 - Construction and Land, Acquisition and Development [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Loss [Member] | Pool 2 - Single-Family Residential [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Loss [Member] | Pool 3 - Multi-family [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Loss [Member] | Pool 4 - Home Equity Line of Credit and Other Consumer Loans [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Loss [Member] | Pool 5 - Commercial Real Estate [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Loss [Member] | Pool 6 - Commercial and Industrial [Member] | Acquired Impaired Assets [Member] | ' | ' |
Covered Assets, Loan Status Designation [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | $0 | $0 |
Covered_Assets_Aging_Analysis_
Covered Assets (Aging Analysis of Non-Credit Impaired Loans) (Details) (Acquired Non Impaired Assets [Member], USD $) | Mar. 31, 2014 | Sep. 30, 2013 |
In Thousands, unless otherwise specified | ||
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | $134,247 | $166,636 |
Loans and Leases Receivable, Covered Loans, Current | 130,515 | 159,195 |
Loans and Leases Receivable, Covered Loans, 30 Days | 281 | 2,963 |
Loans and Leases Receivable, Covered Loans, 60 Days | 63 | 529 |
Loans and Leases Receivable, Covered Assets, 90 Days | 3,388 | 3,949 |
Loans and Leases Receivable, Covered Assets, Past Due | 3,732 | 7,441 |
Loans and Leases Receivable, Covered Loans, Ratio of Total Past Due Loans to Total Loans Receivable, Net of Charge Offs and Loans in Process | 2.78% | 4.47% |
Residential Portfolio Segment [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 25,522 | 28,460 |
Loans and Leases Receivable, Covered Loans, Current | 23,543 | 27,411 |
Loans and Leases Receivable, Covered Loans, 30 Days | 281 | 78 |
Loans and Leases Receivable, Covered Loans, 60 Days | 63 | 0 |
Loans and Leases Receivable, Covered Assets, 90 Days | 1,635 | 971 |
Loans and Leases Receivable, Covered Assets, Past Due | 1,979 | 1,049 |
Loans and Leases Receivable, Covered Loans, Ratio of Total Past Due Loans to Total Loans Receivable, Net of Charge Offs and Loans in Process | 7.75% | 3.69% |
Construction - Speculative [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Loans and Leases Receivable, Covered Loans, Current | 0 | 0 |
Loans and Leases Receivable, Covered Loans, 30 Days | 0 | 0 |
Loans and Leases Receivable, Covered Loans, 60 Days | 0 | 0 |
Loans and Leases Receivable, Covered Assets, 90 Days | 0 | 0 |
Loans and Leases Receivable, Covered Assets, Past Due | 0 | 0 |
Construction - Custom [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 0 | 0 |
Loans and Leases Receivable, Covered Loans, Current | 0 | 0 |
Loans and Leases Receivable, Covered Loans, 30 Days | 0 | 0 |
Loans and Leases Receivable, Covered Loans, 60 Days | 0 | 0 |
Loans and Leases Receivable, Covered Assets, 90 Days | 0 | 0 |
Loans and Leases Receivable, Covered Assets, Past Due | 0 | 0 |
Land - Acquisition & Development [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 2,983 | 4,810 |
Loans and Leases Receivable, Covered Loans, Current | 2,947 | 4,774 |
Loans and Leases Receivable, Covered Loans, 30 Days | 0 | 0 |
Loans and Leases Receivable, Covered Loans, 60 Days | 0 | 0 |
Loans and Leases Receivable, Covered Assets, 90 Days | 36 | 36 |
Loans and Leases Receivable, Covered Assets, Past Due | 36 | 36 |
Loans and Leases Receivable, Covered Loans, Ratio of Total Past Due Loans to Total Loans Receivable, Net of Charge Offs and Loans in Process | 1.21% | 0.75% |
Land - Consumer Lot Loans [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 108 | 245 |
Loans and Leases Receivable, Covered Loans, Current | 74 | 199 |
Loans and Leases Receivable, Covered Loans, 30 Days | 0 | 0 |
Loans and Leases Receivable, Covered Loans, 60 Days | 0 | 0 |
Loans and Leases Receivable, Covered Assets, 90 Days | 34 | 46 |
Loans and Leases Receivable, Covered Assets, Past Due | 34 | 46 |
Loans and Leases Receivable, Covered Loans, Ratio of Total Past Due Loans to Total Loans Receivable, Net of Charge Offs and Loans in Process | 31.48% | 18.78% |
Multi-Family [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 16,814 | 18,852 |
Loans and Leases Receivable, Covered Loans, Current | 16,814 | 17,511 |
Loans and Leases Receivable, Covered Loans, 30 Days | 0 | 0 |
Loans and Leases Receivable, Covered Loans, 60 Days | 0 | 0 |
Loans and Leases Receivable, Covered Assets, 90 Days | 0 | 1,341 |
Loans and Leases Receivable, Covered Assets, Past Due | 0 | 1,341 |
Loans and Leases Receivable, Covered Loans, Ratio of Total Past Due Loans to Total Loans Receivable, Net of Charge Offs and Loans in Process | 0.00% | 7.11% |
Commercial Real Estate [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 67,686 | 89,499 |
Loans and Leases Receivable, Covered Loans, Current | 66,136 | 84,949 |
Loans and Leases Receivable, Covered Loans, 30 Days | 0 | 2,779 |
Loans and Leases Receivable, Covered Loans, 60 Days | 0 | 455 |
Loans and Leases Receivable, Covered Assets, 90 Days | 1,550 | 1,316 |
Loans and Leases Receivable, Covered Assets, Past Due | 1,550 | 4,550 |
Loans and Leases Receivable, Covered Loans, Ratio of Total Past Due Loans to Total Loans Receivable, Net of Charge Offs and Loans in Process | 2.29% | 5.08% |
Commercial & Industrial [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 7,267 | 9,416 |
Loans and Leases Receivable, Covered Loans, Current | 7,173 | 9,416 |
Loans and Leases Receivable, Covered Loans, 30 Days | 0 | 0 |
Loans and Leases Receivable, Covered Loans, 60 Days | 0 | 0 |
Loans and Leases Receivable, Covered Assets, 90 Days | 94 | 0 |
Loans and Leases Receivable, Covered Assets, Past Due | 94 | 0 |
Loans and Leases Receivable, Covered Loans, Ratio of Total Past Due Loans to Total Loans Receivable, Net of Charge Offs and Loans in Process | 1.29% | 0.00% |
HELOC [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 13,333 | 14,750 |
Loans and Leases Receivable, Covered Loans, Current | 13,294 | 14,334 |
Loans and Leases Receivable, Covered Loans, 30 Days | 0 | 103 |
Loans and Leases Receivable, Covered Loans, 60 Days | 0 | 74 |
Loans and Leases Receivable, Covered Assets, 90 Days | 39 | 239 |
Loans and Leases Receivable, Covered Assets, Past Due | 39 | 416 |
Loans and Leases Receivable, Covered Loans, Ratio of Total Past Due Loans to Total Loans Receivable, Net of Charge Offs and Loans in Process | 0.29% | 2.82% |
Consumer [Member] | ' | ' |
Accounts, Notes, Loans and Financing Receivable [Line Items] | ' | ' |
Outstanding principal balance of acquired loans | 534 | 604 |
Loans and Leases Receivable, Covered Loans, Current | 534 | 601 |
Loans and Leases Receivable, Covered Loans, 30 Days | 0 | 3 |
Loans and Leases Receivable, Covered Loans, 60 Days | 0 | 0 |
Loans and Leases Receivable, Covered Assets, 90 Days | 0 | 0 |
Loans and Leases Receivable, Covered Assets, Past Due | $0 | $3 |
Loans and Leases Receivable, Covered Loans, Ratio of Total Past Due Loans to Total Loans Receivable, Net of Charge Offs and Loans in Process | 0.00% | 0.50% |
Derivatives_and_Hedging_Activi2
Derivatives and Hedging Activities (Details) (USD $) | 6 Months Ended | |
Mar. 31, 2014 | Sep. 30, 2013 | |
Interest rate swap agreements | ' | ' |
Derivative [Line Items] | ' | ' |
Notional amount | $110,462,000 | $83,594,000 |
Gain (loss) on derivative instruments | 0 | ' |
Fee income included in miscellaneous loan fees | 273,000 | ' |
Commitments to purchase MBS | ' | ' |
Derivative [Line Items] | ' | ' |
Notional amount | 0 | 200,000,000 |
Other assets | Interest rate contracts | ' | ' |
Derivative [Line Items] | ' | ' |
Asset Derivatives, Fair Value | 322,000 | 7,000 |
Other liabilities | Interest rate contracts | ' | ' |
Derivative [Line Items] | ' | ' |
Liability Derivatives, Fair Value | 322,000 | 7,000 |
AFS securities | Commitments to purchase MBS | ' | ' |
Derivative [Line Items] | ' | ' |
Asset Derivatives, Fair Value | $0 | $3,188,000 |
Subsequent_Events_Details
Subsequent Events (Details) (Subsequent Event [Member], Bank of America, National Association, Branch Acquisition [Member], USD $) | 0 Months Ended |
2-May-14 | |
branch | |
account | |
Subsequent Event [Line Items] | ' |
Number of branches acquired (in branches) | 23 |
Number of deposit accounts acquired (in accounts) | 98,000 |
Deposits | $539,000,000 |
Premium on deposits | 0.50% |
Premium on deposits amount | 2,700,000 |
Loans and related assets | 5,000,000 |
Property and equipment, net | 11,000,000 |
Total consideration | 523,000,000 |
Scenario, Adjustment [Member] | ' |
Subsequent Event [Line Items] | ' |
Deposits | 71,000,000 |
Scenario, Previously Reported [Member] | ' |
Subsequent Event [Line Items] | ' |
Deposits | $610,000,000 |
Premium on deposits | 1.30% |