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Income Taxes (Tables)

12 Months Ended

Sep. 30, 2012

Income Tax Disclosure [Abstract]

Summary of major sources of temporary differences and deferred tax effects

The major sources of these temporary differences and their deferred tax effects were as follows:

September 30,	2012			2011
	(In thousands)
Deferred tax assets
Loan loss reserves	$	48,932		$	56,930
REO reserves	24,003			41,268
Asset Purchase Tax Basis Difference (net)	29,165			27,068
Delinquent accrued interest	5,932			7,380
Other, net	958			1,236
Total deferred tax assets	108,990			133,882
Deferred tax liabilities
FDIC indemnification asset	21,050			24,973
Federal Home Loan Bank stock dividends	35,557			36,161
Valuation adjustment on available-for-sale securities	7,731			49,845
Loan origination costs	12,670			13,098
Depreciation	22,313			24,751
Deferred gain on forward commitments	—			890
Core deposit intangible	1,220			1,239
Total deferred tax liabilities	100,541			150,957
Net deferred tax asset (liability)	8,449			(17,075		)
Current tax asset (liability)	14,064			15,540
Net tax asset (liability)	$	22,513		$	(1,535	)

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,	2012		2011		2010
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	%	36	%	4	%

Reconciliation of unrecognized tax benefits

A reconciliation of the beginning and ending amount of unrecognized tax benefits is as follows:

	2012			2011
	(In thousands)
Balance at October 1,	$	4,191		$	3,893
Tax positions related to current year:
Additions	—			—
Reductions	—			—
Tax positions related to prior years:
Additions	506			520
Reductions	—			—
Settlements with taxing authorities	—			—
Lapses in statues of limitations	(188		)	(222		)
Balance at September 30,	$	4,509		$	4,191

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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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319

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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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

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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 Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 15

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32718-109319



Reference 2: 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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