XML 45 R16.htm IDEA: XBRL DOCUMENT  v2.3.0.11
Note D - Loans Receivable (excluding Covered Loans) (Tables)
9 Months Ended
Jun. 30, 2011
Loans Receivable [Abstract]  
Schedule of Loans Receivable (excluding Covered Loans)
 
 
June 30, 2011
 
September 30, 2010
 
(In thousands)
Single-family residential
$
6,281,072


 
74.8
%
 
$
6,551,837


 
74.7
%
Construction - speculative
143,964


 
1.7


 
169,712


 
1.9


Construction - custom
270,894


 
3.2


 
256,384


 
2.9


Land - acquisition & development
230,901


 
2.8


 
307,230


 
3.5


Land - consumer lot loans
169,714


 
2.0


 
186,840


 
2.1


Multi-family
717,107


 
8.6


 
697,351


 
7.9


Commercial real estate
303,023


 
3.6


 
315,915


 
3.6


Commercial & industrial
82,091


 
1.0


 
83,070


 
1.0


HELOC
114,676


 
1.4


 
116,143


 
1.3


Consumer
73,061


 
0.9


 
92,624


 
1.1


 
8,386,503


 
100
%
 
8,777,106


 
100
%
Less:
 
 
 
 
 
 
 
Allowance for probable losses
161,099


 
 
 
163,094


 
 
Loans in process
164,747


 
 
 
154,171


 
 
Deferred net origination fees
37,047


 
 
 
36,138


 
 
 
362,893


 
 
 
353,403


 
 
 
$
8,023,610


 
 
 
$
8,423,703


 
 
Summary of Information Regarding Non-Accrual Loans
 
June 30, 2011
 
September 30, 2010
 
(In thousands)
Non-accrual loans:
 
 
 
 
 
 
 
Single-family residential
$
129,798


 
55.8
%
 
$
115,155


 
46.8
%
Construction - speculative
24,539


 
10.5


 
39,915


 
16.3


Construction - custom


 


 


 


Land - acquisition & development
51,100


 
22.0


 
64,883


 
26.4


Land - consumer lot loans
6,148


 
2.6


 
7,540


 
3.1


Multi-family
7,850


 
3.4


 
4,931


 
2.0


Commercial real estate
12,186


 
5.2


 
10,831


 
4.4


Commercial & industrial
257


 
0.1


 
371


 
0.2


HELOC
590


 
0.3


 
929


 
0.4


Consumer
284


 
0.1


 
977


 
0.4


Total non-accrual loans
$
232,752


 
100
%
 
$
245,532


 
100
%
Analysis of Age of Loans in Past Due Status
 
Amount of Loans
 
Days Delinquent Based on $ Amount of Loans
 
% based
on $
Type of Loans
Net of LIP & Chg.-Offs
 
Current
 
30
 
60
 
90
 
Total
 
 
(In thousands)
Single-Family Residential
$
6,279,633


 
$
6,063,988


 
$
48,811


 
$
37,563


 
$
129,271


 
$
215,645


 
3.43
%
Construction - Speculative
115,271


 
101,797


 
1,372


 
1,546


 
10,556


 
13,474


 
11.69
%
Construction - Custom
147,339


 
146,704


 
635


 


 


 
635


 
0.43
%
Land - Acquisition & Development
221,967


 
182,912


 
7,756


 
17,888


 
13,411


 
39,055


 
17.59
%
Land - Consumer Lot Loans
169,714


 
161,206


 
1,538


 
822


 
6,148


 
8,508


 
5.01
%
Multi-Family
715,875


 
705,930


 
292


 
7,310


 
2,343


 
9,945


 
1.39
%
Commercial Real Estate
302,142


 
291,692


 
1,546


 
5,702


 
3,202


 
10,450


 
3.46
%
Commercial & Industrial
82,078


 
81,784


 
140


 
26


 
128


 
294


 
0.36
%
HELOC
114,676


 
113,603


 
216


 
267


 
590


 
1,073


 
0.94
%
Consumer
73,061


 
70,934


 
1,342


 
501


 
284


 
2,127


 
2.91
%
 
$
8,221,756


 
$
7,920,550


 
$
63,648


 
$
71,625


 
$
165,933


 
$
301,206


 
3.66
%