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Income Taxes (Tables)

12 Months Ended

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

X

- 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.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Topic 740

-SubTopic 10

-Publisher FASB

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-Name Accounting Standards Codification

-Paragraph 2

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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

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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.



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Income Taxes [Abstract]

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