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Income Taxes (Tables) | 12 Months Ended
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Sep. 30, 2011
Income Taxes [Abstract] |
Summary of major sources of temporary differences and deferred tax effects |
September 30, | 2011 | 2010
| (In thousands)
Deferred tax assets |  |
Loan loss reserves | $ | 56,930 |  | $ | 59,936 |
REO reserves | 41,268 |  | 32,986 |
Asset Purchase Tax Basis Difference (net) | 27,068 |  | 22,738 |
Delinquent accrued interest | 7,380 |  | 4,060 |
Other, net | 1,236 |  | 1,361 |
Total deferred tax assets | 133,882 |  | 121,081 |
Deferred tax liabilities |  |
FDIC Loss Guarantee Receivable (net) | 24,973 |  | 40,444 |
Federal Home Loan Bank stock dividends | 36,161 |  | 36,158 |
Valuation adjustment on available-for-sale securities | 49,845 |  | 28,866 |
Loan origination costs | 13,098 |  | 13,183 |
Depreciation | 24,751 |  | 21,578 |
Deferred gain on forward commitments | 890 |  | 1,225 |
Core deposit intangible | 1,239 |  | 1,578 |
Total deferred tax liabilities | 150,957 |  | 143,032 |
Net deferred tax asset (liability) | (17,075 | ) | (21,951 | )
Current tax asset (liability) | 15,540 |  | 30,044 |
Net tax asset (liability) | $ | (1,535 | ) | $ | 8,093 |
Schedule of effective income tax rate reconciliation | A reconciliation of the statutory federal income tax rate to the effective income tax rate follows:
Year ended September 30, | 2011 | 2010 | 2009
Statutory income tax rate | 35 | % | 35 | % | 35 | %
IRS tax settlement | — |  | (32 | ) | — |
State income tax | 2 |  | 2 |  | 2 |
Other differences | (1 | ) | (1 | ) | (1 | )
Effective income tax rate | 36 | % | 4 | % | 36 | %
Reconciliation of unrecognized tax benefits |
Year ended September 30, | 2011 | 2010 | 2009
Statutory income tax rate | 35 | % | 35 | % | 35 | %
IRS tax settlement | — |  | (32 | ) | — |
State income tax | 2 |  | 2 |  | 2 |
Other differences | (1 | ) | (1 | ) | (1 | )
Effective income tax rate | 36 | % | 4 | % | 36 | %
A reconciliation of the beginning and ending amount of unrecognized tax benefits is as follows:
| 2011 | 2010
Balance at October 1, | $ | 3,893 |  | $ | 44,781 |
Tax positions related to current year: |  |
Additions | — |  | 271 |
Reductions | — |  | — |
Tax positions related to prior years: |  |
Additions | 520 |  | 3,064 |
Reductions | — |  | — |
Settlements with taxing authorities | — |  | (43,315 | )
Lapses in statues of limitations | (222 | ) | (908 | )
Balance at September 30, | $ | 4,191 |  | $ | 3,893 |

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- Definition Tabular disclosure of the components of net deferred tax asset or liability recognized in an entity's statement of financial position, including the following: the total of all deferred tax liabilities, the total of all deferred tax assets, the total valuation allowance recognized for deferred tax assets. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Topic 740 -SubTopic 10 -Publisher FASB -Number -Article -Subparagraph -Name Accounting Standards Codification -Paragraph 2 -Section 50 -URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319 + Details
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- Definition Tabular disclosure of the reconciliation using percentage or dollar amounts of the reported amount of income tax expense attributable to continuing operations for the year to the amount of income tax expense that would result from applying domestic federal statutory tax rates to pretax income from continuing operations. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Topic 740 -SubTopic 10 -Publisher FASB -Number -Article -Subparagraph -Name Accounting Standards Codification -Paragraph 12 -Section 50 -URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319 + Details
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- Definition Tabular disclosure of tax positions taken in the tax returns filed or to be filed for which it is more likely than not that the tax position will not be sustained upon examination by taxing authorities (i.e., uncertain tax positions) and other types of income tax contingencies, including: (1) the policy on classification of interest and penalties; (2) a tabular reconciliation of the total amounts of unrecognized tax benefits at the beginning and end of the period; the total amount(s) of: (3) unrecognized tax benefits that, if recognized, would affect the effective tax rate, and (4) interest and penalties recognized in each of the income statement and balance sheet; (5) for positions for which it is reasonably possible that the total amounts unrecognized will significantly change within 12 months of the reporting date the: (i) nature of the uncertainty, (ii) nature of the event that could occur that would cause the change, and (iii) an estimate of the range of the reasonably possible change or a statement that an estimate of the range cannot be made; and (6) a description of tax years that remain subject to examination by major tax jurisdictions. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name FASB Interpretation (FIN) -Number 48 -Paragraph 21 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 740 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32718-109319 + Details
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