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Loans Receivable (excluding Covered Loans) (Tables) | 12 Months Ended
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Sep. 30, 2013
Receivables [Abstract] |
Schedule of loans receivable (excluding covered loans) |
| September 30, 2013 |  | September 30, 2012
| (In thousands) |  |  |  | (In thousands) |  |
Non-acquired loans |  |  |  |  |  |  |
Single-family residential | $ | 5,359,149 |  |  | 67.1 | % |  | $ | 5,778,922 |  |  | 73.5 | %
Construction - speculative | 130,778 |  |  | 1.6 |  |  | 129,637 |  |  | 1.6 |
Construction - custom | 302,722 |  |  | 3.8 |  |  | 211,690 |  |  | 2.7 |
Land - acquisition & development | 77,775 |  |  | 1.1 |  |  | 124,677 |  |  | 1.6 |
Land - consumer lot loans | 121,671 |  |  | 1.5 |  |  | 141,844 |  |  | 1.8 |
Multi-family | 831,684 |  |  | 10.4 |  |  | 710,140 |  |  | 9.0 |
Commercial real estate | 414,961 |  |  | 5.1 |  |  | 319,210 |  |  | 4.1 |
Commercial & industrial | 243,199 |  |  | 3.0 |  |  | 162,823 |  |  | 2.1 |
HELOC | 112,186 |  |  | 1.4 |  |  | 112,902 |  |  | 1.4 |
Consumer | 47,141 |  |  | 0.6 |  |  | 63,374 |  |  | 0.8 |
Total non-acquired loans | 7,641,266 |  |  | 95.6 |  |  | 7,755,219 |  |  | 98.6 |
Acquired loans |  |  |  |  |  |  |
Single-family residential | $ | 14,468 |  |  | 0.2 | % |  | $ | — |  |  | — | %
Construction - speculative | — |  |  | — |  |  | — |  |  | — |
Construction - custom | — |  |  | — |  |  | — |  |  | — |
Land - acquisition & development | 1,489 |  |  | — |  |  | — |  |  | — |
Land - consumer lot loans | 3,313 |  |  | — |  |  | — |  |  | — |
Multi-family | 3,914 |  |  | 0.1 |  |  | — |  |  | — |
Commercial real estate | 133,423 |  |  | 1.7 |  |  | — |  |  | — |
Commercial & industrial | 75,326 |  |  | 0.9 |  |  | — |  |  | — |
HELOC | 10,179 |  |  | 0.1 |  |  | — |  |  | — |
Consumer | 8,267 |  |  | 0.1 |  |  | — |  |  | — |
Total acquired loans | 250,379 |  |  | 3.1 |  |  | — |  |  | — |
Credit-impaired acquired loans |  |  |  |  |  |  |
Single-family residential | 333 |  |  | — |  |  | 342 |  |  | — |
Construction - speculative | — |  |  | — |  |  | 1,889 |  |  | — |
Construction - custom | — |  |  | — |  |  | — |  |  | — |
Land - acquisition & development | 2,396 |  |  | — |  |  | 3,702 |  |  | 0.1 |
Land - consumer lot loans | — |  |  | — |  |  | — |  |  | — |
Multi-family | — |  |  | — |  |  | 601 |  |  | — |
Commercial real estate | 76,909 |  |  | 1.1 |  |  | 87,154 |  |  | 1.1 |
Commercial & industrial | 7,925 |  |  | 0.1 |  |  | 3,292 |  |  | — |
HELOC | 11,266 |  |  | 0.1 |  |  | 14,040 |  |  | 0.2 |
Consumer | 71 |  |  | — |  |  | 97 |  |  | — |
Total credit-impaired acquired loans | 98,900 |  |  | 1.3 |  |  | 111,117 |  |  | 1.4 |
Total loans |  |  |  |  |  |  |
Single-family residential | 5,373,950 |  |  | 67.3 |  |  | 5,779,264 |  |  | 73.5 |
Construction - speculative | 130,778 |  |  | 1.6 |  |  | 131,526 |  |  | 1.6 |
Construction - custom | 302,722 |  |  | 3.8 |  |  | 211,690 |  |  | 2.7 |
Land - acquisition & development | 81,660 |  |  | 1.1 |  |  | 128,379 |  |  | 1.7 |
Land - consumer lot loans | 124,984 |  |  | 1.5 |  |  | 141,844 |  |  | 1.8 |
Multi-family | 835,598 |  |  | 10.5 |  |  | 710,741 |  |  | 9 |
Commercial real estate | 625,293 |  |  | 7.9 |  |  | 406,364 |  |  | 5.2 |
Commercial & industrial | 326,450 |  |  | 4.0 |  |  | 166,115 |  |  | 2.1 |
HELOC | 133,631 |  |  | 1.6 |  |  | 126,942 |  |  | 1.6 |
Consumer | 55,479 |  |  | 0.7 |  |  | 63,471 |  |  | 0.8 |
Total loans | 7,990,545 |  |  | 100 | % |  | 7,866,336 |  |  | 100 | %
Less: |  |  |  |  |  |  |
Allowance for probable losses | 116,741 |  |  |  |  | 133,147 |  |  |
Loans in process | 275,577 |  |  |  |  | 213,286 |  |  |
Discount on acquired loans | 34,143 |  |  |  |  | 33,484 |  |  |
Deferred net origination fees | 36,054 |  |  |  |  | 34,421 |  |  |
| 462,515 |  |  |  |  | 414,338 |  |  |
| $ | 7,528,030 |  |  |  |  | $ | 7,451,998 |  |  |
Schedule of fixed and adjustable rate loans | The Company originates fixed and adjustable interest rate loans, which at September 30, 2013 consisted of the following:
Fixed-Rate |  | Adjustable-Rate
Term To Maturity | Book Value |  | Term To Rate Adjustment | Book Value
| (In thousands) |  |  | (In thousands)
Within 1 year | $ | 482,270 |  |  | Less than 1 year | $ | 175,614 |
1 to 3 years | 283,166 |  |  | 1 to 3 years | 209,288 |
3 to 5 years | 255,617 |  |  | 3 to 5 years | 168,765 |
5 to 10 years | 223,719 |  |  | 5 to 10 years | 818,834 |
10 to 20 years | 859,412 |  |  | 10 to 20 years | 93,533 |
Over 20 years | 3,977,904 |  |  | Over 20 years | 442,423 |
| $ | 6,082,088 |  |  |  | $ | 1,908,457 |
Schedule of loans receivable by geographic area | Gross loans by geographic concentration were as follows:
September 30, 2013 | Single - family residential | Multi- family | Land - A & D | Land - lot loans | Construction - custom | Construction - speculative | Commercial real estate | Commercial and industrial | Consumer | HELOC | Total
| (In thousands)
Washington | $ | 2,576,400 |  | $ | 285,314 |  | $ | 39,355 |  | $ | 65,131 |  | $ | 177,062 |  | $ | 66,543 |  | $ | 286,676 |  | $ | 210,665 |  | $ | 45,313 |  | $ | 71,382 |  | $ | 3,823,841 |
Oregon | 806,160 |  | 284,959 |  | 6,614 |  | 24,185 |  | 44,075 |  | 27,620 |  | 158,062 |  | 98,541 |  | 7,646 |  | 17,280 |  | 1,475,142 |
Arizona | 579,291 |  | 123,181 |  | 12,801 |  | 11,991 |  | 30,536 |  | 11,098 |  | 95,834 |  | 2,736 |  | 180 |  | 19,731 |  | 887,379 |
Utah | 435,250 |  | 55,930 |  | 9,491 |  | 6,489 |  | 26,433 |  | 5,955 |  | — |  | 636 |  | 45 |  | 6,676 |  | 546,905 |
Idaho | 329,299 |  | 27,029 |  | 2,685 |  | 11,602 |  | 10,917 |  | 9,818 |  | 1,417 |  | 192 |  | 13 |  | 4,748 |  | 397,720 |
New Mexico | 176,915 |  | 40,236 |  | 9,099 |  | 3,628 |  | 7,118 |  | 9,016 |  | 66,662 |  | 7,278 |  | 1,367 |  | 13,596 |  | 334,915 |
Other | 233,725 |  | 2,110 |  | — |  | — |  | — |  | — |  | 4,516 |  | 5,118 |  | 848 |  | 41 |  | 246,358 |
Texas | 137,628 |  | 13,809 |  | 1,615 |  | 948 |  | 3,411 |  | 728 |  | 10,131 |  | 1,253 |  | 42 |  | — |  | 169,565 |
Nevada | 99,282 |  | 3,030 |  | — |  | 1,010 |  | 3,170 |  | — |  | 1,995 |  | 31 |  | 25 |  | 177 |  | 108,720 |
| $ | 5,373,950 |  | $ | 835,598 |  | $ | 81,660 |  | $ | 124,984 |  | $ | 302,722 |  | $ | 130,778 |  | $ | 625,293 |  | $ | 326,450 |  | $ | 55,479 |  | $ | 133,631 |  | $ | 7,990,545 |
Percentage by geographic area
September 30, 2013 | Single - family residential | Multi- family | Land - A & D | Land - lot loans | Construction - custom | Construction - speculative | Commercial real estate | Commercial and industrial | Consumer | HELOC | Total
| As % of total gross loans
Washington | 32.9 | % | 3.6 | % | 0.5 | % | 0.8 | % | 2.2 | % | 0.8 | % | 3.6 | % | 2.6 | % | 0.6 | % | 0.9 | % | 48.5 | %
Oregon | 10.1 |  | 3.6 |  | 0.1 |  | 0.3 |  | 0.6 |  | 0.3 |  | 2.0 |  | 1.2 |  | 0.1 |  | 0.2 |  | 18.5 |
Arizona | 7.2 |  | 1.5 |  | 0.2 |  | 0.2 |  | 0.4 |  | 0.1 |  | 1.2 |  | — |  | — |  | 0.2 |  | 11.0 |
Utah | 5.4 |  | 0.7 |  | 0.1 |  | 0.1 |  | 0.3 |  | 0.1 |  | — |  | — |  | — |  | 0.1 |  | 6.8 |
Idaho | 4.1 |  | 0.3 |  | — |  | 0.1 |  | 0.1 |  | 0.1 |  | — |  | — |  | — |  | 0.1 |  | 4.8 |
New Mexico | 2.2 |  | 0.5 |  | 0.1 |  | — |  | 0.1 |  | 0.1 |  | 0.8 |  | 0.1 |  | — |  | 0.2 |  | 4.1 |
Other | 2.9 |  | — |  | — |  | — |  | — |  | — |  | 0.1 |  | 0.1 |  | — |  | — |  | 3.1 |
Texas | 1.7 |  | 0.2 |  | — |  | — |  | — |  | — |  | 0.1 |  | — |  | — |  | — |  | 2.0 |
Nevada | 1.2 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | 1.2 |
| 67.7 | % | 10.4 | % | 1.0 | % | 1.5 | % | 3.7 | % | 1.5 | % | 7.8 | % | 4.0 | % | 0.7 | % | 1.7 | % | 100.0 | %
Percentage by geographic area as a % of each loan type
September 30, 2013 | Single - family residential | Multi- family | Land - A & D | Land - lot loans | Construction - custom | Construction - speculative | Commercial real estate | Commercial and industrial | Consumer | HELOC
As % of total gross loans
Washington | 48.0 | % | 34.1 | % | 48.2 | % | 52.0 | % | 58.5 | % | 50.8 | % | 45.9 | % | 64.5 | % | 81.7 | % | 53.4 | %
Oregon | 15.0 |  | 34.1 |  | 8.1 |  | 19.4 |  | 14.6 |  | 21.1 |  | 25.3 |  | 30.2 |  | 13.8 |  | 12.9 |
Arizona | 10.8 |  | 14.7 |  | 15.7 |  | 9.6 |  | 10.1 |  | 8.5 |  | 15.3 |  | 0.8 |  | 0.3 |  | 14.8 |
Utah | 8.1 |  | 6.7 |  | 11.6 |  | 5.2 |  | 8.7 |  | 4.6 |  | — |  | 0.2 |  | 0.1 |  | 5.0 |
Idaho | 6.1 |  | 3.2 |  | 3.3 |  | 9.3 |  | 3.6 |  | 7.5 |  | 0.2 |  | 0.1 |  | — |  | 3.6 |
New Mexico | 3.3 |  | 4.8 |  | 11.1 |  | 2.9 |  | 2.4 |  | 6.9 |  | 10.7 |  | 2.2 |  | 2.5 |  | 10.2 |
Other | 4.3 |  | 0.3 |  | — |  | — |  | — |  | — |  | 0.7 |  | 1.6 |  | 1.5 |  | — |
Texas | 2.6 |  | 1.7 |  | 2.0 |  | 0.8 |  | 1.1 |  | 0.6 |  | 1.6 |  | 0.4 |  | 0.1 |  | — |
Nevada | 1.8 |  | 0.4 |  | — |  | 0.8 |  | 1.0 |  | — |  | 0.3 |  | — |  | — |  | 0.1 |
| 100.0 | % | 100.0 | % | 100.0 | % | 100.0 | % | 100.0 | % | 100.0 | % | 100.0 | % | 100.0 | % | 100.0 | % | 100.0 | %
Schedule of impaired loans, loan commitments and loans serviced | The following table provides additional information on impaired loans, loan commitments and loans serviced for others:
| September 30, 2013 |  | September 30, 2012
| (In thousands)
Recorded investment in impaired loans | $ | 454,557 |  |  | $ | 565,553 |
Troubled Debt Restructuring included in impaired loans | 415,696 |  |  | 433,278 |
Impaired loans with allocated reserves | 6,035 |  |  | 44,167 |
Reserves on impaired loans | 3,473 |  |  | 15,983 |
Average balance of impaired loans | 495,472 |  |  | 523,363 |
Interest income from impaired loans | 24,798 |  |  | 28,366 |
Outstanding fixed-rate origination commitments | 190,363 |  |  | 151,990 |
Loans serviced for others | 55,589 |  |  | 58,673 |
Schedule of loan modifications | The following tables provides information related to loans that were restructured during the period ending:
| September 30, 2013 |  | September 30, 2012
|  |  | Pre-Modification |  | Post-Modification |  |  |  | Pre-Modification |  | Post-Modification
|  |  | Outstanding |  | Outstanding |  |  |  | Outstanding |  | Outstanding
| Number of |  | Recorded |  | Recorded |  | Number of |  | Recorded |  | Recorded
| Contracts |  | Investment |  | Investment |  | Contracts |  | Investment |  | Investment
|  |  | (In thousands) |  |  |  | (In thousands)
Troubled Debt Restructurings: |  |  |  |  |  |  |  |  |  |  |
Single-Family Residential | 406 |  |  | $ | 105,551 |  |  | $ | 105,551 |  |  | 787 |  |  | $ | 183,548 |  |  | $ | 183,548 |
Construction - Speculative | 1 |  |  | 2,470 |  |  | 2,470 |  |  | 24 |  |  | 6,703 |  |  | 6,703 |
Construction - Custom | — |  |  | — |  |  | — |  |  | 1 |  |  | 1,196 |  |  | 1,196 |
Land - Acquisition & Development | 1 |  |  | 461 |  |  | 461 |  |  | 26 |  |  | 5,489 |  |  | 5,489 |
Land - Consumer Lot Loans | 25 |  |  | 3,134 |  |  | 3,134 |  |  | 38 |  |  | 5,237 |  |  | 5,237 |
Multi-Family | 1 |  |  | 36 |  |  | 36 |  |  | 4 |  |  | 3,104 |  |  | 3,104 |
Commercial Real Estate | 15 |  |  | 11,523 |  |  | 11,523 |  |  | 4 |  |  | 6,224 |  |  | 6,224 |
Commercial & Industrial | 1 |  |  | 56 |  |  | 56 |  |  | — |  |  | — |  |  | — |
HELOC | 1 |  |  | 199 |  |  | 199 |  |  | 5 |  |  | 707 |  |  | 707 |
Consumer | 2 |  |  | 33 |  |  | 33 |  |  | — |  |  | — |  |  | — |
| 453 |  |  | $ | 123,463 |  |  | $ | 123,463 |  |  | 889 |  |  | $ | 212,208 |  |  | $ | 212,208 |
| September 30, 2013 |  | September 30, 2012
| Number of |  | Recorded |  | Number of |  | Recorded
| Contracts |  | Investment |  | Contracts |  | Investment
|  |  | (In thousands) |  |  |  | (In thousands)
Troubled Debt Restructurings That Subsequently Defaulted: |  |  |  |  |  |  |
Single-Family Residential | 78 |  |  | $ | 17,120 |  |  | 123 |  |  | $ | 24,431 |
Construction - Speculative | — |  |  | — |  |  | — |  |  | — |
Construction - Custom | — |  |  | — |  |  | — |  |  | — |
Land - Acquisition & Development | — |  |  | — |  |  | — |  |  | — |
Land - Consumer Lot Loans | 2 |  |  | 237 |  |  | 12 |  |  | 1,402 |
Multi-Family | — |  |  | — |  |  | — |  |  | — |
Commercial Real Estate | 2 |  |  | 2,703 |  |  | — |  |  | — |
Commercial & Industrial | — |  |  | — |  |  | — |  |  | — |
HELOC | 1 |  |  | 79 |  |  | — |  |  | — |
Consumer | — |  |  | — |  |  | — |  |  | — |
| 83 |  |  | $ | 20,139 |  |  | 135 |  |  | $ | 25,833 |
Non accrual loans held by the company | The following table sets forth information regarding non-accrual loans held by the Company:
| September 30, 2013 |  | September 30, 2012
| (In thousands) |  |  |  | (In thousands) |  |
Non-accrual loans: |  |  |  |  |  |  |
Single-family residential | $ | 100,460 |  |  | 76.5 | % |  | $ | 131,193 |  |  | 75.7 | %
Construction - speculative | 4,560 |  |  | 3.5 |  |  | 10,634 |  |  | 6.1 |
Construction - custom | — |  |  | — |  |  | 539 |  |  | 0.3 |
Land - acquisition & development | 2,903 |  |  | 2.2 |  |  | 13,477 |  |  | 7.8 |
Land - consumer lot loans | 3,337 |  |  | 2.5 |  |  | 5,149 |  |  | 3.0 |
Multi-family | 6,573 |  |  | 5.0 |  |  | 4,185 |  |  | 2.4 |
Commercial real estate | 11,736 |  |  | 8.9 |  |  | 7,653 |  |  | 4.4 |
Commercial & industrial | 477 |  |  | 0.4 |  |  | 16 |  |  | — |
HELOC | 263 |  |  | 0.2 |  |  | 198 |  |  | 0.1 |
Consumer | 990 |  |  | 0.8 |  |  | 383 |  |  | 0.2 |
Total non-accrual loans | $ | 131,299 |  |  | 100 | % |  | $ | 173,427 |  |  | 100 | %
Aging of past due loans | The following tables provide an analysis of the age of loans in past due status:
September 30, 2013 | Amount of Loans |  | Days Delinquent Based on $ Amount of Loans |  | % based on $
Type of Loan | Net of LIP & Chg.-Offs |  | Current |  | 30 |  | 60 |  | 90 |  | Total |
| (In thousands) |  |
Non-acquired loans |  |  |  |  |  |  |  |  |  |  |  |  |
Single-Family Residential | $ | 5,356,200 |  |  | $ | 5,237,413 |  |  | $ | 26,888 |  |  | $ | 12,373 |  |  | $ | 79,526 |  |  | $ | 118,787 |  |  | 2.22 | %
Construction - Speculative | 82,422 |  |  | 80,047 |  |  | — |  |  | — |  |  | 2,375 |  |  | 2,375 |  |  | 2.88 |
Construction - Custom | 130,095 |  |  | 129,678 |  |  | 417 |  |  | — |  |  | — |  |  | 417 |  |  | 0.32 |
Land - Acquisition & Development | 71,567 |  |  | 70,106 |  |  | — |  |  | — |  |  | 1,461 |  |  | 1,461 |  |  | 2.04 |
Land - Consumer Lot Loans | 121,473 |  |  | 117,076 |  |  | 806 |  |  | 355 |  |  | 3,236 |  |  | 4,397 |  |  | 3.62 |
Multi-Family | 790,564 |  |  | 785,793 |  |  | — |  |  | — |  |  | 4,771 |  |  | 4,771 |  |  | 0.60 |
Commercial Real Estate | 404,680 |  |  | 398,114 |  |  | 2,942 |  |  | 351 |  |  | 3,273 |  |  | 6,566 |  |  | 1.62 |
Commercial & Industrial | 249,405 |  |  | 249,363 |  |  | 42 |  |  | — |  |  | — |  |  | 42 |  |  | 0.02 |
HELOC | 112,186 |  |  | 111,407 |  |  | 493 |  |  | 213 |  |  | 73 |  |  | 779 |  |  | 0.69 |
Consumer | 47,142 |  |  | 45,620 |  |  | 849 |  |  | 283 |  |  | 390 |  |  | 1,522 |  |  | 3.23 |
Total non-acquired loans | 7,365,734 |  |  | 7,224,617 |  |  | 32,437 |  |  | 13,575 |  |  | 95,105 |  |  | 141,117 |  |  | 1.92 | %
Acquired loans |  |  |  |  |  |  |  |  |  |  |  |  |
Single-Family Residential | $ | 14,468 |  |  | $ | 14,343 |  |  | $ | 82 |  |  | $ | — |  |  | $ | 43 |  |  | $ | 125 |  |  | 0.86 | %
Construction - Speculative | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | NM |
Construction - Custom | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | NM |
Land - Acquisition & Development | 1,489 |  |  | 1,241 |  |  | — |  |  | — |  |  | 248 |  |  | 248 |  |  | 16.66 |
Land - Consumer Lot Loans | 3,313 |  |  | 2,987 |  |  | 125 |  |  | 100 |  |  | 101 |  |  | 326 |  |  | 9.84 |
Multi-Family | 3,914 |  |  | 3,914 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial Real Estate | 133,398 |  |  | 128,610 |  |  | 134 |  |  | 617 |  |  | 4,037 |  |  | 4,788 |  |  | 3.59 |
Commercial & Industrial | 75,323 |  |  | 74,992 |  |  | 10 |  |  | 153 |  |  | 168 |  |  | 331 |  |  | 0.44 |
HELOC | 10,179 |  |  | 10,063 |  |  | — |  |  | 16 |  |  | 100 |  |  | 116 |  |  | 1.14 |
Consumer | 8,266 |  |  | 7,568 |  |  | 90 |  |  | 8 |  |  | 600 |  |  | 698 |  |  | 8.44 |
Total acquired loans | 250,350 |  |  | 243,718 |  |  | 441 |  |  | 894 |  |  | 5,297 |  |  | 6,632 |  |  | 2.65 | %
Credit-impaired acquired loans |  |  |  |  |  |  |  |  |  |  |  |  |
Single-Family Residential | 333 |  |  | 333 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — | %
Construction - Speculative | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Construction - Custom | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Land - Acquisition & Development | 2,393 |  |  | 1,929 |  |  | — |  |  | 464 |  |  | — |  |  | 464 |  |  | 19.39 |
Land - Consumer Lot Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Multi-Family | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial Real Estate | 83,116 |  |  | 80,095 |  |  | 2,301 |  |  | — |  |  | 720 |  |  | 3,021 |  |  | 3.63 |
Commercial & Industrial | 1,705 |  |  | 1,396 |  |  | — |  |  | — |  |  | 309 |  |  | 309 |  |  | 18.12 |
HELOC | 11,266 |  |  | 11,176 |  |  | — |  |  | — |  |  | 90 |  |  | 90 |  |  | 0.80 |
Consumer | 71 |  |  | 71 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total credit-impaired acquired loans | 98,884 |  |  | 95,000 |  |  | 2,301 |  |  | 464 |  |  | 1,119 |  |  | 3,884 |  |  | 3.93 | %
Total loans | $ | 7,714,968 |  |  | $ | 7,563,335 |  |  | $ | 35,179 |  |  | $ | 14,933 |  |  | $ | 101,521 |  |  | $ | 151,633 |  |  | 1.97 | %
Schedule of changes in the accretable yield for credit impaired acquired loans | The following table shows the changes in accretable yield for acquired impaired loans and acquired non-impaired loans for the years ended September 30, 2013 and 2012:
| September 30, 2013 |  | September 30, 2012
| Acquired Impaired |  | Acquired Non-impaired |  | Acquired Impaired |  | Acquired Non-impaired
| Accretable Yield |  | Carrying Amount of Loans |  | Accretable Yield |  | Carrying Amount of Loans |  | Accretable Yield |  | Carrying Amount of Loans |  | Accretable Yield |  | Carrying Amount of Loans
| (In thousands) |  | (In thousands)
Balance at beginning of period | $ | 16,928 |  |  | $ | 77,613 |  |  | $ | — |  |  | $ | — |  |  | — |  |  | — |  |  | $ | — |  |  | $ | — |
Additions | — |  |  | 9,865 |  |  | 10,804 |  |  | 351,335 |  |  | 21,384 |  |  | 93,691 |  |  | — |  |  | — |
Reclassification from nonaccretable balance, net | 30,026 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Accretion | (9,718 | ) |  | 9,718 |  |  | (5,827 | ) |  | 5,827 |  |  | (4,456 | ) |  | 4,456 |  |  | — |  |  | — |
Transfers to REO | — |  |  | (3,975 | ) |  | — |  |  | (7,755 | ) |  | — |  |  | (2,616 | ) |  | — |  |  | — |
Payments received, net | — |  |  | (23,503 | ) |  | — |  |  | (104,034 | ) |  | — |  |  | (17,918 | ) |  | — |  |  | — |
Balance at end of period | $ | 37,236 |  |  | $ | 69,718 |  |  | $ | 4,977 |  |  | $ | 245,373 |  |  | $ | 16,928 |  |  | $ | 77,613 |  |  | $ | — |  |  | $ | — |
Schedule of loans Acquired, probable payments not collected | There were $9.9 million in loans acquired during Fiscal 2013 as part of the South Valley Bank acquisition for which it was probable at acquisition that all contractually required payments would not be collected. The timing and amount of future cash flows cannot be reasonable estimated; therefore, these loan are accounted for on a cash basis. The following table shows loans that were acquired during Fiscal 2012 as part of the Western National Bank acquisition and are accounted for under FASB ASC 310-30:
| Western National Bank
| December 16, 2011
Contractually required payments of interest and principal | $ | 171,515 |
Nonaccretable difference | (56,440 | )
Cash flows expected to be collected (1) | 115,075 |
Accretable yield | (21,384 | )
Carrying value of acquired loans | $ | 93,691 |
(1) Represents undiscounted expected principal and interest cash flows

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