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Loans Receivable And Allowance For Credit Losses (Tables)

3 Months Ended

Dec. 31, 2012


	December 31, 2012		September 30, 2012
		(Dollars in thousands)
Real estate loans:
One- to four-family	$	5,429,556	$	5,392,429
Multi-family and commercial		46,815		48,623
Construction		60,975		52,254
Total real estate loans		5,537,346		5,493,306

Consumer loans:
Home equity		144,121		149,321
Other		6,426		6,529
Total consumer loans		150,547		155,850

Total loans receivable		5,687,893		5,649,156

Less:
Undisbursed loan funds		30,843		22,874
ACL		10,477		11,100
Discounts/unearned loan fees		21,864		21,468
Premiums/deferred costs		(15,368)		(14,369)
	$	5,640,077	$	5,608,083


	December 31, 2012
			90 or More Days		Total				Total
	30 to 89 Days		Delinquent or		Delinquent		Current		Recorded
	Delinquent		in Foreclosure		Loans		Loans		Investment
		(Dollars in thousands)
One- to four-family loans - originated	$	15,384	$	8,196	$	23,580	$	4,655,885	$	4,679,465
One- to four-family loans - purchased		6,687		10,475		17,162		742,663		759,825
Multi-family and commercial loans		--		--		--		60,717		60,717
Consumer - home equity		966		357		1,323		142,798		144,121
Consumer - other		188		76		264		6,162		6,426
	$	23,225	$	19,104	$	42,329	$	5,608,225	$	5,650,554


	September 30, 2012
			90 or More Days		Total				Total
	30 to 89 Days		Delinquent or		Delinquent		Current		Recorded
	Delinquent		in Foreclosure		Loans		Loans		Investment

		(Dollars in thousands)
One- to four-family loans - originated	$	14,902	$	8,602	$	23,504	$	4,590,194	$	4,613,698
One- to four-family loans - purchased		7,788		10,530		18,318		771,755		790,073
Multi-family and commercial loans		--		--		--		59,562		59,562
Consumer - home equity		521		369		890		148,431		149,321
Consumer - other		106		27		133		6,396		6,529
	$	23,317	$	19,528	$	42,845	$	5,576,338	$	5,619,183


	December 31, 2012				September 30, 2012
	Special Mention		Substandard		Special Mention		Substandard
	(Dollars in thousands)
One- to four-family - originated	$	32,986	$	25,866	$	36,055	$	23,153
One- to four-family - purchased		1,993		15,440		2,829		14,538
Multi-family and commercial		2,612		--		2,578		--
Consumer - home equity		126		935		413		815
Consumer - other		--		87		--		39
	$	37,717	$	42,328	$	41,875	$	38,545


	December 31, 2012			September 30, 2012
	Weighted Average			Weighted Average
	Credit Score	LTV		Credit Score	LTV
One- to four-family - originated	763	65	%	763	65	%
One- to four-family - purchased	748	67		749	67
Consumer - home equity	746	19		747	19
	761	64	%	761	64	%


	For the Three Months Ended
	December 31, 2012
	Number	Pre-		Post-
	of	Restructured		Restructured
	Contracts	Outstanding		Outstanding
	(Dollars in thousands)
One- to four-family loans - originated	55	$	12,578	$	12,650
One- to four-family loans - purchased	2		555		598
Multi-family and commercial loans	2		82		79
Consumer - home equity	3		80		80
Consumer - other	--		--		--
	62	$	13,295	$	13,407


	For the Three Months Ended
	December 31, 2011
	Number	Pre-		Post-
	of	Restructured		Restructured
	Contracts	Outstanding		Outstanding
	(Dollars in thousands)
One- to four-family loans - originated	70	$	10,331	$	10,370
One- to four-family loans - purchased	--		--		--
Multi-family and commercial loans	--		--		--
Consumer - home equity	1		--		10
Consumer - other	--		--		--
	71	$	10,331	$	10,380


	For the Three Months Ended
	December 31, 2012			December 31, 2011
	Number			Number
	of	Recorded		of	Recorded
	Contracts	Investment		Contracts	Investment
	(Dollars in thousands)
One- to four-family loans - originated	6	$	405	1	$	76
One- to four-family loans - purchased	1		47	1		401
Multi-family and commercial loans	--		--	--		--
Consumer - home equity	1		2	--		--
Consumer - other	--		--	--		--
	8	$	454	2	$	477


		December 31, 2012						September 30, 2012
				Unpaid						Unpaid
		Recorded		Principal		Related		Recorded		Principal		Related
		Investment		Balance		ACL		Investment		Balance		ACL
		(Dollars in thousands)
With no related allowance recorded
	One- to four-family - originated	$	7,141	$	7,161	$	--	$	10,729	$	10,765	$	--
	One- to four-family - purchased		15,195		15,069		--		15,340		15,216		--
	Multi-family and commercial		--		--		--		--		--		--
	Consumer - home equity		508		506		--		882		881		--
	Consumer - other		45		45		--		27		27		--
			22,889		22,781		--		26,978		26,889		--
With an allowance recorded
	One- to four-family - originated		43,718		43,886		291		41,125		41,293		268
	One- to four-family - purchased		2,354		2,323		99		2,028		2,016		54
	Multi-family and commercial		79		81		3		--		--		--
	Consumer - home equity		538		538		42		307		307		52
	Consumer - other		42		42		1		12		12		1
			46,731		46,870		436		43,472		43,628		375
Total
	One- to four-family - originated		50,859		51,047		291		51,854		52,058		268
	One- to four-family - purchased		17,549		17,392		99		17,368		17,232		54
	Multi-family and commercial		79		81		3		--		--		--
	Consumer - home equity		1,046		1,044		42		1,189		1,188		52
	Consumer - other		87		87		1		39		39		1
		$	69,620	$	69,651	$	436	$	70,450	$	70,517	$	375



		For the Three Months Ended				For the Three Months Ended
		December 31, 2012				December 31, 2011
		Average		Interest		Average		Interest
		Recorded		Income		Recorded		Income
		Investment		Recognized		Investment		Recognized
		(Dollars in thousands)
With no related allowance recorded
	One- to four-family - originated	$	8,935	$	46	$	48,051	$	385
	One- to four-family - purchased		15,267		46		6,812		25
	Multi-family and commercial		--		--		558		9
	Consumer - home equity		695		6		526		5
	Consumer - other		36		--		7		--
			24,933		98		55,954		424
With an allowance recorded
	One- to four-family - originated		42,421		433		3,001		25
	One- to four-family - purchased		2,191		17		13,097		30
	Multi-family and commercial		40		1		--		--
	Consumer - home equity		423		5		187		1
	Consumer - other		27		--		--		--
			45,102		456		16,285		56
Total
	One- to four-family - originated		51,356		479		51,052		410
	One- to four-family - purchased		17,458		63		19,909		55
	Multi-family and commercial		40		1		558		9
	Consumer - home equity		1,118		11		713		6
	Consumer - other		63		--		7		--
		$	70,035	$	554	$	72,239	$	480


		For the Three Months Ended December 31, 2012
	One- to Four-			One- to Four-		One- to Four-		Multi-family
	Family -			Family -		Family -		and
	Originated			Purchased		Total		Commercial		Consumer		Total
	(Dollars in thousands)
Beginning balance	$		6,074	$	4,453	$	10,527	$	219	$	354	$	11,100
Charge-offs			(219)		(532)		(751)		--		(115)		(866)
Recoveries			--		--		--		--		10		10
Provision for credit losses			(216)		369		153		(18)		98		233
Ending balance	$		5,639	$	4,290	$	9,929	$	201	$	347	$	10,477


Ratio of net charge-offs during the period to average loans outstanding during the period													0.02	%
Ratio of net charge-offs during the period to average non-performing assets during the period													2.29	%


	For the Three Months Ended December 31, 2011
	One- to Four-		One- to Four-		One- to Four-		Multi-family
	Family -		Family -		Family -		and
	Originated		Purchased		Total		Commercial		Consumer		Total
		(Dollars in thousands)

Beginning balance	$	4,915	$	9,901	$	14,816	$	254	$	395	$	15,465
Charge-offs		(90)		(304)		(394)		--		(6)		(400)
Recoveries		--		--		--		--		--		--
Provision for credit losses		96		745		841		(171)		(130)		540
Ending balance	$	4,921	$	10,342	$	15,263	$	83	$	259	$	15,605

Ratio of net charge-offs during the period to average loans outstanding during the period												0.01	%
Ratio of net charge-offs during the period to average non-performing assets during the period												1.03	%


	December 31, 2012
	One- to Four-		One- to Four-		One- to Four-		Multi-family
	Family -		Family -		Family -		and
	Originated		Purchased		Total		Commercial		Consumer		Total
	(Dollars in thousands)
Recorded investment of loans
collectively evaluated for impairment	$	4,672,011	$	744,630	$	5,416,641	$	60,717	$	149,976	$	5,627,334
Recorded investment of loans
individually evaluated for impairment		7,454		15,195		22,649		--		571		23,220
	$	4,679,465	$	759,825	$	5,439,290	$	60,717	$	150,547	$	5,650,554
ACL for loans collectively evaluated
for impairment	$	5,639	$	4,290	$	9,929	$	201	$	347	$	10,477


		September 30, 2012
	One- to Four-		One- to Four-		One- to Four-		Multi-family
	Family -		Family -		Family -		and
	Originated		Purchased		Total		Commercial		Consumer		Total
	(Dollars in thousands)
Recorded investment of loans
collectively evaluated for impairment	$	4,602,969	$	774,734	$	5,377,703	$	59,562	$	154,940	$	5,592,205
Recorded investment of loans
individually evaluated for impairment		10,729		15,339		26,068		--		910		26,978
	$	4,613,698	$	790,073	$	5,403,771	$	59,562	$	155,850	$	5,619,183
ACL for loans collectively evaluated
for impairment	$	6,074	$	4,453	$	10,527	$	219	$	354	$	11,100