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Income Taxes (Tables)

12 Months Ended

Sep. 30, 2013

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,	2013			2012
	(In thousands)
Deferred tax assets
Loan loss reserves	$	52,182		$	48,932
REO reserves	18,018			24,003
Asset Purchase Tax Basis Difference (net)	20,008			29,165
Delinquent accrued interest	6,536			5,932
Other, net	3,810			958
Total deferred tax assets	100,554			108,990
Deferred tax liabilities
FDIC indemnification asset	8,033			21,050
Federal Home Loan Bank stock dividends	34,367			35,557
Valuation adjustment on available-for-sale securities	3,706			7,731
Loan origination costs	11,980			12,670
Depreciation	19,722			22,313
Deferred gain on forward commitments	—			—
Core deposit intangible	192			1,220
Total deferred tax liabilities	78,000			100,541
Net deferred tax asset	22,554			8,449
Current tax asset	21,446			14,064
Net tax asset	$	44,000		$	22,513

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,	2013		2012		2011
Statutory income tax rate	35	%	35	%	35	%
State income tax	2		2		2
Other differences	(2	)	(1	)	(1	)
Effective income tax rate	35	%	36	%	36	%

Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]

Income taxes (benefit) are summarized as follows:

	2013			2012
Federal:
Current	$	66,756		$	57,047
Deferred	10,355			15,589
	77,111			72,636
State:
Current	$	5,213		$	4,091
Deferred	787			1,001
	6,000			5,092
Total
Current	71,969			61,138
Deferred	11,142			16,590
	$	83,111		$	77,728

Reconciliation of unrecognized tax benefits

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

	2013			2012
	(In thousands)
Balance at October 1,	$	4,509		$	4,191
Tax positions related to current year:
Additions	—			—
Reductions	—			—
Tax positions related to prior years:
Additions	234			506
Reductions	(1,293		)	—
Settlements with taxing authorities	(302		)	—
Lapses in statues of limitations	(3,033		)	(188		)
Balance at September 30,	$	115		$	4,509

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Tabular disclosure of the components of income tax expense attributable to continuing operations for each year presented including, but not limited to: current tax expense (benefit), deferred tax expense (benefit), investment tax credits, government grants, the benefits of operating loss carryforwards, tax expense that results from allocating certain tax benefits either directly to contributed capital or to reduce goodwill or other noncurrent intangible assets of an acquired entity, adjustments of a deferred tax liability or asset for enacted changes in tax laws or rates or a change in the tax status of the entity, and adjustments of the beginning-of-the-year balances of a valuation allowance because of a change in circumstances that causes a change in judgment about the realizability of the related deferred tax asset in future years.

+ References

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-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

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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.

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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.

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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.

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