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Consolidated Statements Of Income (USD $)
In Thousands, except Share data, unless otherwise specified
3 Months Ended 6 Months Ended
Mar. 31, 2014
Mar. 31, 2013
Mar. 31, 2014
Mar. 31, 2013
INTEREST AND DIVIDEND INCOME:        
Loans receivable $ 57,117 $ 56,936 $ 114,065 $ 115,403
Mortgage-backed securities ("MBS") 11,597 14,446 23,559 29,629
Investment securities 1,869 2,457 3,935 5,322
Capital stock of FHLB 1,229 1,105 2,425 2,233
Cash and cash equivalents 45 36 107 69
Total interest and dividend income 71,857 74,980 144,091 152,656
INTEREST EXPENSE:        
FHLB borrowings 15,311 17,909 32,174 36,537
Deposits 8,076 9,344 16,399 19,193
Repurchase agreements 2,743 3,407 5,546 6,976
Total interest expense 26,130 30,660 54,119 62,706
NET INTEREST INCOME 45,727 44,320 89,972 89,950
PROVISION FOR CREDIT LOSSES 160   675 233
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES 45,567 44,320 89,297 89,717
NON-INTEREST INCOME:        
Retail fees and charges 3,454 3,521 7,264 7,513
Insurance commissions 1,204 979 1,762 1,550
Loan fees 404 418 854 885
Income from BOLI 330 361 668 743
Other non-interest income 335 665 679 1,021
Total non-interest income 5,727 5,944 11,227 11,712
NON-INTEREST EXPENSE:        
Salaries and employee benefits 10,724 12,155 21,450 24,336
Occupancy 2,634 2,391 5,183 4,709
Information technology and communications 2,320 2,232 4,612 4,430
Regulatory and outside services 1,157 1,290 2,553 3,055
Deposit and loan transaction costs 1,263 1,384 2,650 2,910
Federal insurance premium 1,103 1,116 2,186 2,230
Advertising and promotional 877 1,004 1,883 2,036
Other non-interest expense 1,750 1,645 4,098 4,252
Total non-interest expense 21,828 23,217 44,615 47,958
INCOME BEFORE INCOME TAX EXPENSE 29,466 27,047 55,909 53,471
INCOME TAX EXPENSE 9,778 9,332 18,408 18,193
NET INCOME $ 19,688 $ 17,715 $ 37,501 $ 35,278
Basic earnings per share $ 0.14 $ 0.12 $ 0.26 $ 0.24
Diluted earnings per share $ 0.14 $ 0.12 $ 0.26 $ 0.24
Dividends declared per share $ 0.08 $ 0.08 $ 0.58 $ 0.85
Basic weighted average common shares 139,489,033 145,381,605 141,204,147 146,645,899
Diluted weighted average common shares 139,489,324 145,381,718 141,204,751 146,646,006