Loans Receivable And Allowance For Credit Losses (Tables)

9 Months Ended

Jun. 30, 2016

Loans and Leases Receivable Disclosure [Abstract]



	June 30, 2016			September 30, 2015
	(Dollars in thousands)
Real estate loans:
One- to four-family:
Originated	$	6,093,743		$	5,856,730
Purchased	439,954			485,682
Construction	78,358			75,152
Total	6,612,055			6,417,564
Commercial:
Permanent	110,601			110,938
Construction	187,705			54,768
Total	298,306			165,706
Total real estate loans	6,910,361			6,583,270

Consumer loans:
Home equity	123,673			125,844
Other	4,568			4,179
Total consumer loans	128,241			130,023

Total loans receivable	7,038,602			6,713,293

Less:
Undisbursed loan funds:
One- to four-family	39,595			45,696
Commercial	166,237			44,869
ACL	9,312			9,443
Discounts/unearned loan fees	24,352			24,213
Premiums/deferred costs	(40,017		)	(35,955		)
	$	6,839,123		$	6,625,027

Recorded Investment in Loans, Past Due



	June 30, 2016
			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 - originated	$	15,517	$	9,156	$	24,673	$	6,121,791	$	6,146,464
One- to four-family - purchased	4,740		8,077		12,817		429,515		442,332
Commercial real estate	—		—		—		131,398		131,398
Consumer - home equity	548		436		984		122,689		123,673
Consumer - other	55		17		72		4,496		4,568
	$	20,860	$	17,686	$	38,546	$	6,809,889	$	6,848,435



	September 30, 2015
			90 or More Days		Total				Total
	30 to 89 Days		Delinquent or		Delinquent		Current		Recorded
	Delinquent		in Foreclosure		Loans		Loans		Investment
	(Dollars in thousands)
One- to four-family - originated	$	19,285	$	7,093	$	26,378	$	5,869,289	$	5,895,667
One- to four-family - purchased	7,305		8,956		16,261		472,114		488,375
Commercial real estate	—		—		—		120,405		120,405
Consumer - home equity	703		497		1,200		124,644		125,844
Consumer - other	17		12		29		4,150		4,179
	$	27,310	$	16,558	$	43,868	$	6,590,602	$	6,634,470

Recorded Investment in Loans, Nonaccrual



	June 30, 2016		September 30, 2015
	(Dollars in thousands)
One- to four-family - originated	$	18,957	$	16,093
One- to four-family - purchased	8,078		9,038
Commercial real estate	—		—
Consumer - home equity	699		792
Consumer - other	24		12
	$	27,758	$	25,935

Recorded Investment in Classified Loans



	June 30, 2016				September 30, 2015
	Special Mention		Substandard		Special Mention		Substandard
	(Dollars in thousands)
One- to four-family - originated	$	11,303	$	31,162	$	16,149	$	29,282
One- to four-family - purchased	1,257		11,644		1,376		13,237
Commercial real estate	—		—		—		—
Consumer - home equity	57		1,259		151		1,301
Consumer - other	—		26		—		17
	$	12,617	$	44,091	$	17,676	$	43,837

Weighted Average Loan-to-Value and Credit Score Information



	June 30, 2016			September 30, 2015
	Credit Score	LTV		Credit Score	LTV
One- to four-family - originated	765	65	%	765	65	%
One- to four-family - purchased	753	64		752	65
Consumer - home equity	754	20		753	18
	764	64		764	64

Troubled Debt Restructurings on Financing Receivables



	For the Three Months Ended					For the Nine Months Ended
	June 30, 2016					June 30, 2016
	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 - originated	28	$	4,488	$	4,603	90	$	11,853	$	12,143
One- to four-family - purchased	—	—		—		1	123		122
Commercial real estate	—	—		—		—	—		—
Consumer - home equity	8	202		206		13	266		270
Consumer - other	—	—		—		1	8		8
	36	$	4,690	$	4,809	105	$	12,250	$	12,543



	For the Three Months Ended					For the Nine Months Ended
	June 30, 2015					June 30, 2015
	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 - originated	30	$	4,125	$	4,190	104	$	13,862	$	14,007
One- to four-family - purchased	2	874		876		4	1,140		1,144
Commercial real estate	—	—		—		—	—		—
Consumer - home equity	7	171		172		13	255		261
Consumer - other	—	—		—		3	12		12
	39	$	5,170	$	5,238	124	$	15,269	$	15,424



	For the Three Months Ended						For the Nine Months Ended
	June 30, 2016			June 30, 2015			June 30, 2016			June 30, 2015
	Number of	Recorded		Number of	Recorded		Number of	Recorded		Number of	Recorded
	Contracts	Investment		Contracts	Investment		Contracts	Investment		Contracts	Investment
	(Dollars in thousands)
One- to four-family - originated	12	$	1,581	16	$	1,356	39	$	4,183	44	$	4,234
One- to four-family - purchased	—	—		1	551		—	—		4	890
Commercial real estate	—	—		—	—		—	—		—	—
Consumer - home equity	—	—		2	12		4	91		4	33
Consumer - other	—	—		—	—		—	—		1	5
	12	$	1,581	19	$	1,919	43	$	4,274	53	$	5,162

Impaired Loans by Class



	June 30, 2016						September 30, 2015
			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	$	12,128	$	12,729	$	—	$	11,169	$	11,857	$	—
One- to four-family - purchased	10,895		12,645		—		11,035		13,315		—
Commercial real estate	—		—		—		—		—		—
Consumer - home equity	597		823		—		591		837		—
Consumer - other	17		47		—		13		40		—
	23,637		26,244		—		22,808		26,049		—
With an allowance recorded
One- to four-family - originated	26,825		26,889		337		26,453		26,547		294
One- to four-family - purchased	2,033		2,009		63		3,764		3,731		110
Commercial real estate	—		—		—		—		—		—
Consumer - home equity	768		768		49		869		870		62
Consumer - other	9		9		1		10		10		1
	29,635		29,675		450		31,096		31,158		467
Total
One- to four-family - originated	38,953		39,618		337		37,622		38,404		294
One- to four-family - purchased	12,928		14,654		63		14,799		17,046		110
Commercial real estate	—		—		—		—		—		—
Consumer - home equity	1,365		1,591		49		1,460		1,707		62
Consumer - other	26		56		1		23		50		1
	$	53,272	$	55,919	$	450	$	53,904	$	57,207	$	467



	For the Three Months Ended								For the Nine Months Ended
	June 30, 2016				June 30, 2015				June 30, 2016				June 30, 2015
	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	$	11,872	$	114	$	12,099	$	120	$	11,378	$	349	$	12,727	$	342
One- to four-family - purchased	10,958		47		10,765		48		11,115		147		11,254		147
Commercial real estate	—		—		—		—		—		—		—		—
Consumer - home equity	622		32		455		7		598		55		480		22
Consumer - other	22		1		8		—		15		1		14		—
	23,474		194		23,327		175		23,106		552		24,475		511
With an allowance recorded
One- to four-family - originated	26,940		261		28,420		281		27,593		798		27,223		829
One- to four-family - purchased	1,805		7		3,101		10		2,348		21		2,770		33
Commercial real estate	—		—		—		—		—		—		—		—
Consumer - home equity	823		20		876		9		920		46		741		22
Consumer - other	14		—		17		—		15		—		16		1
	29,582		288		32,414		300		30,876		865		30,750		885
Total
One- to four-family - originated	38,812		375		40,519		401		38,971		1,147		39,950		1,171
One- to four-family - purchased	12,763		54		13,866		58		13,463		168		14,024		180
Commercial real estate	—		—		—		—		—		—		—		—
Consumer - home equity	1,445		52		1,331		16		1,518		101		1,221		44
Consumer - other	36		1		25		—		30		1		30		1
	$	53,056	$	482	$	55,741	$	475	$	53,982	$	1,417	$	55,225	$	1,396

Allowance for Credit Losses



	June 30, 2016
	One- to Four-		One- to Four-		One- to Four-
	Family -		Family -		Family -		Commercial
	Originated		Purchased		Total		Real Estate		Consumer		Total
	(Dollars in thousands)
Recorded investment in loans
collectively evaluated for impairment	$	6,134,336	$	431,437	$	6,565,773	$	131,398	$	127,603	$	6,824,774

Recorded investment in loans
individually evaluated for impairment	12,128		10,895		23,023		—		638		23,661
	$	6,146,464	$	442,332	$	6,588,796	$	131,398	$	128,241	$	6,848,435

ACL for loans collectively
evaluated for impairment	$	6,967	$	1,149	$	8,116	$	933	$	263	$	9,312



	September 30, 2015
	One- to Four-		One- to Four-		One- to Four-
	Family -		Family -		Family -		Commercial
	Originated		Purchased		Total		Real Estate		Consumer		Total
	(Dollars in thousands)
Recorded investment in loans
collectively evaluated for impairment	$	5,884,498	$	477,340	$	6,361,838	$	120,405	$	129,419	$	6,611,662

Recorded investment in loans
individually evaluated for impairment	11,169		11,035		22,204		—		604		22,808
	$	5,895,667	$	488,375	$	6,384,042	$	120,405	$	130,023	$	6,634,470

ACL for loans collectively
evaluated for impairment	$	6,980	$	1,434	$	8,414	$	742	$	287	$	9,443



	For the Three Months Ended June 30, 2016
	One- to Four-			One- to Four-			One- to Four-
	Family -			Family -			Family -			Commercial
	Originated			Purchased			Total			Real Estate		Consumer			Total
	(Dollars in thousands)
Beginning balance	$	6,839		$	1,243		$	8,082		$	837	$	274		$	9,193
Charge-offs	(23		)	(54		)	(77		)	—		(49		)	(126		)
Recoveries	17			222			239			—		6			245
Provision for credit losses	134			(262		)	(128		)	96		32			—
Ending balance	$	6,967		$	1,149		$	8,116		$	933	$	263		$	9,312



	For the Nine Months Ended June 30, 2016
	One- to Four-			One- to Four-			One- to Four-
	Family -			Family -			Family -			Commercial
	Originated			Purchased			Total			Real Estate		Consumer			Total
	(Dollars in thousands)
Beginning balance	$	6,980		$	1,434		$	8,414		$	742	$	287		$	9,443
Charge-offs	(97		)	(267		)	(364		)	—		(87		)	(451		)
Recoveries	59			240			299			—		21			320
Provision for credit losses	25			(258		)	(233		)	191		42			—
Ending balance	$	6,967		$	1,149		$	8,116		$	933	$	263		$	9,312



	For the Three Months Ended June 30, 2015
	One- to Four-			One- to Four-			One- to Four-
	Family -			Family -			Family -			Commercial
	Originated			Purchased			Total			Real Estate		Consumer			Total
	(Dollars in thousands)
Beginning balance	$	6,711		$	1,858		$	8,569		$	528	$	309		$	9,406
Charge-offs	(108		)	(28		)	(136		)	—		(21		)	(157		)
Recoveries	12			—			12			—		17			29
Provision for credit losses	516			(261		)	255			69		(1		)	323
Ending balance	$	7,131		$	1,569		$	8,700		$	597	$	304		$	9,601



	For the Nine Months Ended June 30, 2015
	One- to Four-			One- to Four-			One- to Four-
	Family -			Family -			Family -			Commercial
	Originated			Purchased			Total			Real Estate		Consumer			Total
	(Dollars in thousands)
Beginning balance	$	6,263		$	2,323		$	8,586		$	400	$	241		$	9,227
Charge-offs	(260		)	(221		)	(481		)	—		(71		)	(552		)
Recoveries	45			58			103			—		52			155
Provision for credit losses	1,083			(591		)	492			197		82			771
Ending balance	$	7,131		$	1,569		$	8,700		$	597	$	304		$	9,601