Loans Receivable And Allowance For Credit Losses (Tables)

9 Months Ended

Jun. 30, 2014

Loans Receivable And Allowance For Credit Losses [Abstract]

Summary Of Loans Receivable

	June 30,  2014		September 30, 2013
		(Dollars in thousands)
Real estate loans:
One- to four-family	$	5,890,819	$	5,743,047
Multi-family and commercial		62,038		50,358
Construction		108,652		77,743
Total real estate loans		6,061,509		5,871,148
Consumer loans:
Home equity		130,645		135,028
Other		4,960		5,623
Total consumer loans		135,605		140,651
Total loans receivable		6,197,114		6,011,799
Less:
Undisbursed loan funds		58,067		42,807
ACL		9,082		8,822
Discounts/unearned loan fees		23,812		23,057
Premiums/deferred costs		(26,367)		(21,755)
	$	6,132,520	$	5,958,868

Recorded Investment in Loans, Past Due

	June 30, 2014
			90 or More Days		Total				Total
	30 to 89 Days		Delinquent or		Delinquent		Current		Recorded
	Delinquent		in Foreclosure		Loans		Loans		Investment
		(Dollars in thousands)
One- to four-family loans - originated	$	15,704	$	8,414	$	24,118	$	5,319,093	$	5,343,211
One- to four-family loans - purchased		6,915		8,388		15,303		569,584		584,887
Multi-family and commercial loans		--		--		--		77,899		77,899
Consumer - home equity		628		345		973		129,672		130,645
Consumer - other		40		24		64		4,896		4,960
	$	23,287	$	17,171	$	40,458	$	6,101,144	$	6,141,602

	September 30, 2013
			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	$	18,889	$	9,379	$	28,268	$	5,092,581	$	5,120,849
One- to four-family loans - purchased		7,842		9,695		17,537		631,050		648,587
Multi-family and commercial loans		--		--		--		57,603		57,603
Consumer - home equity		848		485		1,333		133,695		135,028
Consumer - other		35		5		40		5,583		5,623
	$	27,614	$	19,564	$	47,178	$	5,920,512	$	5,967,690

Recorded Investment in Classified Loans

	June 30,  2014				September 30, 2013
	Special Mention		Substandard		Special Mention		Substandard
	(Dollars in thousands)
One- to four-family - originated	$	21,099	$	28,970	$	29,359	$	27,761
One- to four-family - purchased		2,331		12,706		1,871		14,195
Multi-family and commercial		--		--		1,976		--
Consumer - home equity		171		868		87		819
Consumer - other		--		24		--		13
	$	23,601	$	42,568	$	33,293	$	42,788

Weighted Average Loan-to-Value and Credit Score Information

	June 30,  2014			September 30, 2013
	Credit Score	LTV		Credit Score	LTV
One- to four-family - originated	765	65	%	762	65	%
One- to four-family - purchased	749	67		747	67
Consumer - home equity	750	19		746	19
	763	64		760	64

Troubled Debt Restructurings On Financing Receivables

	For the Three Months Ended					For the Nine Months Ended
	June 30,  2014					June 30,  2014
	Number	Pre-		Post-		Number	Pre-		Post-
	of	Restructured		Restructured		of	Restructured		Restructured
	Contracts	Outstanding		Outstanding		Contracts	Outstanding		Outstanding
	(Dollars in thousands)
One- to four-family loans - originated	36	$	5,438	$	5,461	105	$	13,510	$	13,534
One- to four-family loans - purchased	3		642		644	5		840		842
Multi-family and commercial loans	--		--		--	--		--		--
Consumer - home equity	1		20		20	6		100		101
Consumer - other	--		--		--	--		--		--
	40	$	6,100	$	6,125	116	$	14,450	$	14,477

	For the Three Months Ended					For the Nine Months Ended
	June 30, 2013					June 30, 2013
	Number	Pre-		Post-		Number	Pre-		Post-
	of	Restructured		Restructured		of	Restructured		Restructured
	Contracts	Outstanding		Outstanding		Contracts	Outstanding		Outstanding
	(Dollars in thousands)
One- to four-family loans - originated	37	$	6,248	$	6,284	137	$	25,652	$	25,791
One- to four-family loans - purchased	1		581		581	8		2,119		2,161
Multi-family and commercial loans	--		--		--	2		82		79
Consumer - home equity	4		97		100	11		253		261
Consumer - other	--		--		--	--		--		--
	42	$	6,926	$	6,965	158	$	28,106	$	28,292

The following table provides information on TDRs restructured within the last 12 months that became delinquent during the periods presented.

	For the Three Months Ended						For the Nine Months Ended
	June 30,  2014			June 30, 2013			June 30,  2014			June 30, 2013
	Number			Number			Number			Number
	of	Recorded		of	Recorded		of	Recorded		of	Recorded
	Contracts	Investment		Contracts	Investment		Contracts	Investment		Contracts	Investment
	(Dollars in thousands)
One- to four-family loans - originated	13	$	1,818	12	$	805	29	$	3,299	29	$	2,316
One- to four-family loans - purchased	1		442	2		156	3		780	6		1,270
Multi-family and commercial loans	--		--	--		--	--		--	--		--
Consumer - home equity	1		29	--		--	2		56	2		7
Consumer - other	--		--	1		10	--		--	1		10
	15	$	2,289	15	$	971	34	$	4,135	38	$	3,603

Impaired Loans By Class

		June 30,  2014						September 30, 2013
				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	$	14,310	$	14,965	$	--	$	12,950	$	13,543	$	--
	One- to four-family - purchased		13,454		16,317		--		13,882		16,645		--
	Multi-family and commercial		--		--		--		--		--		--
	Consumer - home equity		625		914		--		577		980		--
	Consumer - other		20		27		--		2		7		--
			28,409		32,223		--		27,411		31,175		--
With an allowance recorded
	One- to four-family - originated		24,888		24,975		111		35,520		35,619		209
	One- to four-family - purchased		1,475		1,450		29		2,034		2,015		29
	Multi-family and commercial		--		--		--		73		74		2
	Consumer - home equity		510		510		37		492		492		78
	Consumer - other		4		4		--		11		11		1
			26,877		26,939		177		38,130		38,211		319
Total
	One- to four-family - originated		39,198		39,940		111		48,470		49,162		209
	One- to four-family - purchased		14,929		17,767		29		15,916		18,660		29
	Multi-family and commercial		--		--		--		73		74		2
	Consumer - home equity		1,135		1,424		37		1,069		1,472		78
	Consumer - other		24		31		--		13		18		1
		$	55,286	$	59,162	$	177	$	65,541	$	69,386	$	319

The following information pertains to impaired loans, by class, for the periods presented.

		For the Three Months Ended								For the Nine Months Ended
		June 30,  2014				June 30, 2013				June 30, 2014				June 30, 2013
		Average		Interest		Average		Interest		Average		Interest		Average		Interest
		Recorded		Income		Recorded		Income		Recorded		Income		Recorded		Income
		Investment		Recognized		Investment		Recognized		Investment		Recognized		Investment		Recognized
		(Dollars in thousands)
With no related allowance recorded
	One- to four-family - originated	$	14,012	$	110	$	11,116	$	89	$	13,448	$	307	$	9,298	$	228
	One- to four-family - purchased		13,636		55		14,537		45		13,549		147		14,916		141
	Multi-family and commercial		--		--		--		--		--		--		--		--
	Consumer - home equity		583		8		554		8		578		25		577		31
	Consumer - other		7		--		18		--		5		--		23		--
			28,238		173		26,225		142		27,580		479		24,814		400
With an allowance recorded
	One- to four-family - originated		25,704		261		38,383		377		29,425		875		41,236		1,282
	One- to four-family - purchased		1,839		13		1,904		13		2,354		41		2,087		59
	Multi-family and commercial		--		--		76		1		22		1		54		2
	Consumer - home equity		524		6		541		6		564		17		521		18
	Consumer - other		12		--		15		--		13		--		25		1
			28,079		280		40,919		397		32,378		934		43,923		1,362
Total
	One- to four-family - originated		39,716		371		49,499		466		42,873		1,182		50,534		1,510
	One- to four-family - purchased		15,475		68		16,441		58		15,903		188		17,003		200
	Multi-family and commercial		--		--		76		1		22		1		54		2
	Consumer - home equity		1,107		14		1,095		14		1,142		42		1,098		49
	Consumer - other		19		--		33		--		18		--		48		1
		$	56,317	$	453	$	67,144	$	539	$	59,958	$	1,413	$	68,737	$	1,762

Allowance For Credit Losses

		For the Three Months Ended June 30, 2014
	One- to Four-		One- to Four-		One- to Four-		Multi-family
	Family -		Family -		Family -		and
	Originated		Purchased		Total		Commercial		Consumer		Total
	(Dollars in thousands)
Beginning balance	$	6,737	$	1,817	$	8,554	$	143	$	270	$	8,967
Charge-offs		(144)		(149)		(293)		--		(15)		(308)
Recoveries		--		64		64		--		52		116
Provision for credit losses		(394)		749		355		18		(66)		307
Ending balance	$	6,199	$	2,481	$	8,680	$	161	$	241	$	9,082

	For the Nine Months Ended June 30, 2014
	One- to Four-		One- to Four-		One- to Four-		Multi-family
	Family -		Family -		Family -		and
	Originated		Purchased		Total		Commercial		Consumer		Total
	(Dollars in thousands)
Beginning balance	$	5,771	$	2,486	$	8,257	$	185	$	380	$	8,822
Charge-offs		(284)		(536)		(820)		--		(34)		(854)
Recoveries		1		64		65		--		67		132
Provision for credit losses		711		467		1,178		(24)		(172)		982
Ending balance	$	6,199	$	2,481	$	8,680	$	161	$	241	$	9,082

	For the Three Months Ended June 30, 2013
	One- to Four-		One- to Four-		One- to Four-		Multi-family
	Family -		Family -		Family -		and
	Originated		Purchased		Total		Commercial		Consumer		Total
		(Dollars in thousands)
Beginning balance	$	6,002	$	3,495	$	9,497	$	208	$	367	$	10,072
Charge-offs		(60)		--		(60)		--		(111)		(171)
Recoveries		13		118		131		--		7		138
Provision for credit losses		(202)		(677)		(879)		(34)		113		(800)
Ending balance	$	5,753	$	2,936	$	8,689	$	174	$	376	$	9,239

	For the Nine Months Ended June 30, 2013
	One- to Four-		One- to Four-		One- to Four-		Multi-family
	Family -		Family -		Family -		and
	Originated		Purchased		Total		Commercial		Consumer		Total
		(Dollars in thousands)
Beginning balance	$	6,074	$	4,453	$	10,527	$	219	$	354	$	11,100
Charge-offs		(563)		(685)		(1,248)		--		(246)		(1,494)
Recoveries		13		160		173		--		27		200
Provision for credit losses		229		(992)		(763)		(45)		241		(567)
Ending balance	$	5,753	$	2,936	$	8,689	$	174	$	376	$	9,239

Summary Of Loan Portfolio Segment Disaggregated By The Company's Impairment Method

	June 30, 2014
	One- to Four-		One- to Four-		One- to Four-		Multi-family
	Family -		Family -		Family -		and
	Originated		Purchased		Total		Commercial		Consumer		Total
	(Dollars in thousands)
Recorded investment in loans
collectively evaluated for impairment	$	5,328,901	$	571,433	$	5,900,334	$	77,899	$	134,960	$	6,113,193
Recorded investment in loans
individually evaluated for impairment		14,310		13,454		27,764		--		645		28,409
	$	5,343,211	$	584,887	$	5,928,098	$	77,899	$	135,605	$	6,141,602
ACL for loans collectively evaluated
for impairment	$	6,199	$	2,481	$	8,680	$	161	$	241	$	9,082

		September 30, 2013
	One- to Four-		One- to Four-		One- to Four-		Multi-family
	Family -		Family -		Family -		and
	Originated		Purchased		Total		Commercial		Consumer		Total
	(Dollars in thousands)
Recorded investment in loans
collectively evaluated for impairment	$	5,107,899	$	634,705	$	5,742,604	$	57,603	$	140,072	$	5,940,279
Recorded investment in loans
individually evaluated for impairment		12,950		13,882		26,832		--		579		27,411
	$	5,120,849	$	648,587	$	5,769,436	$	57,603	$	140,651	$	5,967,690
ACL for loans collectively evaluated
for impairment	$	5,771	$	2,486	$	8,257	$	185	$	380	$	8,822