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Loans Receivable (excluding Covered Loans) | 9 Months Ended
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Jun. 30, 2013
Loans Receivable [Abstract] |
Loans Receivable (excluding Covered Loans) | Loans Receivable (excluding Covered Loans)
| June 30, 2013 |  | September 30, 2012
| (In thousands)
Non-acquired loans |  |  |  |  |  |  |
Single-family residential | $ | 5,253,604 |  |  | 67.6 | % |  | $ | 5,778,922 |  |  | 73.5 | %
Construction - speculative | 116,363 |  |  | 1.5 |  |  | 129,637 |  |  | 1.6 |
Construction - custom | 237,952 |  |  | 3.1 |  |  | 211,690 |  |  | 2.7 |
Land - acquisition & development | 85,248 |  |  | 1.1 |  |  | 124,677 |  |  | 1.6 |
Land - consumer lot loans | 128,745 |  |  | 1.7 |  |  | 141,844 |  |  | 1.8 |
Multi-family | 741,870 |  |  | 9.5 |  |  | 710,140 |  |  | 9.0 |
Commercial real estate | 398,130 |  |  | 5.1 |  |  | 319,210 |  |  | 4.1 |
Commercial & industrial | 239,469 |  |  | 3.1 |  |  | 162,823 |  |  | 2.1 |
HELOC | 111,418 |  |  | 1.4 |  |  | 112,902 |  |  | 1.4 |
Consumer | 51,515 |  |  | 0.7 |  |  | 63,374 |  |  | 0.8 |
Total non-acquired loans | 7,364,314 |  |  | 94.8 |  |  | 7,755,219 |  |  | 98.6 |
Acquired loans |  |  |  |  |  |  |
Single-family residential | 15,354 |  |  | 0.2 |  |  | — |  |  | — |
Construction - speculative | — |  |  | — |  |  | — |  |  | — |
Construction - custom | — |  |  | — |  |  | — |  |  | — |
Land - acquisition & development | 3,720 |  |  | — |  |  | — |  |  | — |
Land - consumer lot loans | 3,615 |  |  | 0.1 |  |  | — |  |  | — |
Multi-family | 7,383 |  |  | 0.1 |  |  | — |  |  | — |
Commercial real estate | 162,724 |  |  | 2.1 |  |  | — |  |  | — |
Commercial & industrial | 88,768 |  |  | 1.1 |  |  | — |  |  | — |
HELOC | 11,466 |  |  | 0.1 |  |  | — |  |  | — |
Consumer | 9,035 |  |  | 0.1 |  |  | — |  |  | — |
Total acquired loans | 302,065 |  |  | 3.8 |  |  | — |  |  | — |
Credit-impaired acquired loans |  |  |  |  |  |  |
Single-family residential | 335 |  |  | — |  |  | 342 |  |  | — |
Construction - speculative | — |  |  | — |  |  | 1,889 |  |  | — |
Land - acquisition & development | 2,484 |  |  | — |  |  | 3,702 |  |  | 0.1 |
Multi-family | — |  |  | — |  |  | 601 |  |  | — |
Commercial real estate | 78,519 |  |  | 1.1 |  |  | 87,154 |  |  | 1.1 |
Commercial & industrial | 8,606 |  |  | 0.1 |  |  | 3,292 |  |  | — |
HELOC | 12,015 |  |  | 0.2 |  |  | 14,040 |  |  | 0.2 |
Consumer | 79 |  |  | — |  |  | 97 |  |  | — |
Total credit-impaired acquired loans | 102,038 |  |  | 1.4 |  |  | 111,117 |  |  | 1.4 |
Total loans |  |  |  |  |  |  |
Single-family residential | 5,269,293 |  |  | 67.8 |  |  | 5,779,264 |  |  | 73.5 |
Construction - speculative | 116,363 |  |  | 1.5 |  |  | 131,526 |  |  | 1.6 |
Construction - custom | 237,952 |  |  | 3.1 |  |  | 211,690 |  |  | 2.7 |
Land - acquisition & development | 91,452 |  |  | 1.1 |  |  | 128,379 |  |  | 1.7 |
Land - consumer lot loans | 132,360 |  |  | 1.8 |  |  | 141,844 |  |  | 1.8 |
Multi-family | 749,253 |  |  | 9.6 |  |  | 710,741 |  |  | 9 |
Commercial real estate | 639,373 |  |  | 8.3 |  |  | 406,364 |  |  | 5.2 |
Commercial & industrial | 336,843 |  |  | 4.3 |  |  | 166,115 |  |  | 2.1 |
HELOC | 134,899 |  |  | 1.7 |  |  | 126,942 |  |  | 1.6 |
Consumer | 60,629 |  |  | 0.8 |  |  | 63,471 |  |  | 0.8 |
Total loans | 7,768,417 |  |  | 100 | % |  | 7,866,336 |  |  | 100 | %
Less: |  |  |  |  |  |  |
Allowance for probable losses | 118,104 |  |  |  |  | 133,147 |  |  |
Loans in process | 189,677 |  |  |  |  | 213,286 |  |  |
Discount on acquired loans | 37,568 |  |  |  |  | 33,484 |  |  |
Deferred net origination fees | 32,562 |  |  |  |  | 34,421 |  |  |
| 377,911 |  |  |  |  | 414,338 |  |  |
| $ | 7,390,506 |  |  |  |  | $ | 7,451,998 |  |  |
Changes in the carrying amount and accretable yield for acquired impaired and non-impaired loans for the nine months ended June 30, 2013 and the fiscal year ended September 30, 2012 were as follows:
June 30, 2013 | Credit impaired acquired loans |  | Acquired Non-impaired
| Accretable Yield |  | Carrying Amount of Loans |  | Accretable Yield |  | Carrying Amount of Loans
| (In thousands)
Balance as of beginning of period | $ | 16,928 |  |  | $ | 77,613 |  |  | $ | — |  |  | $ | — |
Reclassification from nonaccretable balance, net (1) | 30,026 |  |  |  |  |  |  |
Additions (2) | 614 |  |  | 9,865 |  |  | 10,804 |  |  | 351,335 |
Accretion | (7,131 | ) |  | 7,131 |  |  | (297 | ) |  | 297 |
Transfers to REO | — |  |  | (3,704 | ) |  | — |  |  | (3,475 | )
Payments received, net | — |  |  | (19,432 | ) |  | — |  |  | (53,165 | )
Balance as of end of period | $ | 40,437 |  |  | $ | 71,473 |  |  | $ | 10,507 |  |  | $ | 294,992 |
(1) reclassification due to improvements in expected cash flows of the underlying loans. |  |  |  |
(2) includes acquired loans which were acquired as part of the South Valley acquisition. |  |  |  |
September 30, 2012 | Credit impaired acquired loans |  | Acquired Non-impaired
| Accretable Yield |  | Carrying Amount of Loans |  | Accretable Yield |  | Carrying Amount of Loans
| (In thousands)
Balance as of beginning of period | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Additions (1) | 21,384 |  |  | 93,691 |  |  | — |  |  | — |
Accretion | (4,456 | ) |  | 4,456 |  |  | — |  |  | — |
Transfers to REO | — |  |  | (2,616 | ) |  | — |  |  | — |
Payments received, net | — |  |  | (17,918 | ) |  | — |  |  | — |
Balance as of end of period | $ | 16,928 |  |  | $ | 77,613 |  |  | $ | — |  |  | $ | — |
(1) includes acquired impaired loans which were acquired as part of the WNB acquisition. |  |  |  |
The following table sets forth information regarding non-accrual loans held by the Company as of the dates indicated:
| June 30, 2013 |  | September 30, 2012
| (In thousands)
Non-accrual loans: |  |  |  |  |  |  |
Single-family residential | $ | 104,252 |  |  | 70.1 | % |  | $ | 131,193 |  |  | 75.7 | %
Construction - speculative | 3,776 |  |  | 2.5 |  |  | 10,634 |  |  | 6.1 |
Construction - custom | — |  |  | — |  |  | 539 |  |  | 0.3 |
Land - acquisition & development | 9,586 |  |  | 6.4 |  |  | 13,477 |  |  | 7.8 |
Land - consumer lot loans | 3,712 |  |  | 2.5 |  |  | 5,149 |  |  | 3.0 |
Multi-family | 6,653 |  |  | 4.5 |  |  | 4,185 |  |  | 2.4 |
Commercial real estate | 14,348 |  |  | 9.7 |  |  | 7,653 |  |  | 4.4 |
Commercial & industrial | 5,072 |  |  | 3.4 |  |  | 16 |  |  | — |
HELOC | 871 |  |  | 0.6 |  |  | 198 |  |  | 0.1 |
Consumer | 385 |  |  | 0.3 |  |  | 383 |  |  | 0.2 |
Total non-accrual loans | $ | 148,655 |  |  | 100 | % |  | $ | 173,427 |  |  | 100 | %
The following tables provide an analysis of the age of loans in past due status as of June 30, 2013 and September 30, 2012, respectively.
June 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 | $ | 5,250,621 |  |  | $ | 5,127,074 |  |  | $ | 26,315 |  |  | $ | 14,354 |  |  | $ | 82,878 |  |  | $ | 123,547 |  |  | 2.35 | %
Construction - Speculative | 78,505 |  |  | 75,506 |  |  | 1,042 |  |  | — |  |  | 1,957 |  |  | 2,999 |  |  | 3.82 |
Construction - Custom | 127,978 |  |  | 127,738 |  |  | 240 |  |  | — |  |  | — |  |  | 240 |  |  | 0.19 |
Land - Acquisition & Development | 80,994 |  |  | 73,252 |  |  | 797 |  |  | — |  |  | 6,945 |  |  | 7,742 |  |  | 9.56 |
Land - Consumer Lot Loans | 128,571 |  |  | 124,284 |  |  | 588 |  |  | 195 |  |  | 3,504 |  |  | 4,287 |  |  | 3.33 |
Multi-Family | 716,299 |  |  | 714,161 |  |  | — |  |  | 539 |  |  | 1,599 |  |  | 2,138 |  |  | 0.30 |
Commercial Real Estate | 389,348 |  |  | 384,193 |  |  | 1,277 |  |  | 70 |  |  | 3,808 |  |  | 5,155 |  |  | 1.32 |
Commercial & Industrial | 239,456 |  |  | 239,440 |  |  | — |  |  | — |  |  | 16 |  |  | 16 |  |  | 0.01 |
HELOC | 111,419 |  |  | 110,324 |  |  | 820 |  |  | 69 |  |  | 206 |  |  | 1,095 |  |  | 0.98 |
Consumer | 51,516 |  |  | 49,268 |  |  | 938 |  |  | 959 |  |  | 351 |  |  | 2,248 |  |  | 4.36 |
Total non-acquired loans | 7,174,707 |  |  | 7,025,240 |  |  | 32,017 |  |  | 16,186 |  |  | 101,264 |  |  | 149,467 |  |  | 2.08 | %
Acquired loans |  |  |  |  |  |  |  |  |  |  |  |  |
Single-Family Residential | 15,354 |  |  | 15,291 |  |  | $ | 5 |  |  | 15 |  |  | 43 |  |  | 63 |  |  | 0.41 | %
Construction - Speculative | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Construction - Custom | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Land - Acquisition & Development | 3,720 |  |  | 2,783 |  |  | 412 |  |  | 1 |  |  | 524 |  |  | 937 |  |  | 25.19 |
Land - Consumer Lot Loans | 3,614 |  |  | 3,095 |  |  | 311 |  |  | — |  |  | 208 |  |  | 519 |  |  | 14.36 |
Multi-Family | 7,383 |  |  | 3,569 |  |  | 509 |  |  | — |  |  | 3,305 |  |  | 3,814 |  |  | 51.66 |
Commercial Real Estate | 162,689 |  |  | 155,178 |  |  | 1,059 |  |  | 2,560 |  |  | 3,892 |  |  | 7,511 |  |  | 4.62 |
Commercial & Industrial | 88,746 |  |  | 88,028 |  |  | 453 |  |  | 265 |  |  | — |  |  | 718 |  |  | 0.81 |
HELOC | 11,465 |  |  | 10,619 |  |  | 140 |  |  | 131 |  |  | 575 |  |  | 846 |  |  | 7.38 |
Consumer | 9,035 |  |  | 8,899 |  |  | 83 |  |  | 19 |  |  | 34 |  |  | 136 |  |  | 1.51 |
Total acquired loans | 302,006 |  |  | 287,462 |  |  | 2,972 |  |  | 2,991 |  |  | 8,581 |  |  | 14,544 |  |  | 4.82 | %
Credit-impaired acquired loans |  |  |  |  |  |  |  |  |  |  |  |  |
Single-Family Residential | 335 |  |  | 335 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — | %
Construction - Speculative | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Construction - Custom | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Land - Acquisition & Development | 2,483 |  |  | 2,483 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Land - Consumer Lot Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Multi-Family | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial Real Estate | 78,509 |  |  | 75,920 |  |  | 639 |  |  | 173 |  |  | 1,777 |  |  | 2,589 |  |  | 3.30 |
Commercial & Industrial | 8,606 |  |  | 3,320 |  |  | 230 |  |  | — |  |  | 5,056 |  |  | 5,286 |  |  | 61.42 |
HELOC | 12,015 |  |  | 11,906 |  |  | — |  |  | 19 |  |  | 90 |  |  | 109 |  |  | 0.91 |
Consumer | 79 |  |  | 79 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total credit-impaired acquired loans | 102,027 |  |  | 94,043 |  |  | 869 |  |  | 192 |  |  | 6,923 |  |  | 7,984 |  |  | 7.83 | %
Total loans | $ | 7,578,740 |  |  | $ | 7,406,745 |  |  | $ | 35,858 |  |  | $ | 19,369 |  |  | $ | 116,768 |  |  | $ | 171,995 |  |  | 2.27 | %
September 30, 2012 | 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)
Single-Family Residential | $ | 5,776,002 |  |  | $ | 5,618,261 |  |  | $ | 34,035 |  |  | $ | 16,276 |  |  | $ | 107,430 |  |  | $ | 157,741 |  |  | 2.73 | %
Construction - Speculative | 88,849 |  |  | 85,785 |  |  | 142 |  |  | 190 |  |  | 2,732 |  |  | 3,064 |  |  | 3.45 |
Construction - Custom | 107,882 |  |  | 107,215 |  |  | 128 |  |  | — |  |  | 539 |  |  | 667 |  |  | 0.62 |
Land - Acquisition & Development | 119,192 |  |  | 106,321 |  |  | 853 |  |  | 1,004 |  |  | 11,014 |  |  | 12,871 |  |  | 10.80 |
Land - Consumer Lot Loans | 141,772 |  |  | 134,560 |  |  | 1,688 |  |  | 375 |  |  | 5,149 |  |  | 7,212 |  |  | 5.09 |
Multi-Family | 676,917 |  |  | 672,263 |  |  | 718 |  |  | 67 |  |  | 3,869 |  |  | 4,654 |  |  | 0.69 |
Commercial Real Estate | 292,261 |  |  | 284,427 |  |  | 699 |  |  | 3,153 |  |  | 3,982 |  |  | 7,834 |  |  | 2.68 |
Commercial & Industrial | 162,802 |  |  | 162,778 |  |  | 8 |  |  | — |  |  | 16 |  |  | 24 |  |  | 0.01 |
HELOC | 112,902 |  |  | 112,482 |  |  | 158 |  |  | 64 |  |  | 198 |  |  | 420 |  |  | 0.37 |
Consumer | 63,374 |  |  | 61,405 |  |  | 1,155 |  |  | 431 |  |  | 383 |  |  | 1,969 |  |  | 3.11 |
Total non-acquired loans | $ | 7,541,953 |  |  | $ | 7,345,497 |  |  | $ | 39,584 |  |  | $ | 21,560 |  |  | $ | 135,312 |  |  | $ | 196,456 |  |  | 2.60 | %
Credit-impaired acquired loans |  |  |  |  |  |  |  |  |  |  |  |  |
Single-Family Residential | 342 |  |  | 342 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — | %
Construction - Speculative | 1,889 |  |  | 1,889 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Construction - Custom | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Land - Acquisition & Development | 3,702 |  |  | 3,219 |  |  | 365 |  |  | — |  |  | 118 |  |  | 483 |  |  | 13.05 |
Land - Consumer Lot Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Multi-Family | 601 |  |  | — |  |  | 601 |  |  | — |  |  | — |  |  | 601 |  |  | — |
Commercial Real Estate | 87,134 |  |  | 78,959 |  |  | 412 |  |  | 2,549 |  |  | 5,214 |  |  | 8,175 |  |  | 9.38 |
Commercial & Industrial | 3,292 |  |  | 3,054 |  |  | 238 |  |  | — |  |  | — |  |  | 238 |  |  | 7.23 |
HELOC | 14,040 |  |  | 13,950 |  |  | — |  |  | 90 |  |  | — |  |  | 90 |  |  | 0.64 |
Consumer | 97 |  |  | 95 |  |  | 2 |  |  | — |  |  | — |  |  | 2 |  |  | 2.06 |
Total credit-impaired acquired loans | 111,097 |  |  | 101,508 |  |  | 1,618 |  |  | 2,639 |  |  | 5,332 |  |  | 9,589 |  |  | 8.63 | %
Total loans | $ | 7,653,050 |  |  | $ | 7,447,005 |  |  | $ | 41,202 |  |  | $ | 24,199 |  |  | $ | 140,644 |  |  | $ | 206,045 |  |  | 2.69 | %
Most loans restructured in troubled debt restructurings ("TDRs") are accruing and performing loans where the borrower has proactively approached the Company about modification due to temporary financial difficulties. Each request is individually evaluated for merit and likelihood of success. The concession for these loans is typically a payment reduction through a rate reduction of between 100 to 200 basis points for a specific term, usually six to twelve months. Interest-only payments may also be approved during the modification period. Principal forgiveness is not an available option for restructured loans. As of June 30, 2013, single-family residential loans comprised 87.4% of TDRs. The Company reserves for restructured loans within its allowance for loan loss methodology by taking into account the following performance indicators: 1) time since modification, 2) current payment status and 3) geographic area. The following tables provide information related to loans that were restructured during the periods indicated:
| Quarter Ended June 30,
| 2013 |  | 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 | 111 |  |  | $ | 27,619 |  |  | $ | 27,619 |  |  | 199 |  |  | $ | 43,104 |  |  | $ | 43,104 |
Construction - Speculative | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Construction - Custom | — |  |  | — |  |  | — |  |  | 1 |  |  | 1,196 |  |  | 1,196 |
Land - Acquisition & Development | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Land - Consumer Lot Loans | 4 |  |  | 685 |  |  | 685 |  |  | 8 |  |  | 965 |  |  | 965 |
Multi-Family | — |  |  | — |  |  | — |  |  | 1 |  |  | 389 |  |  | 389 |
Commercial Real Estate | 1 |  |  | 2,411 |  |  | 2,411 |  |  | 2 |  |  | 5,572 |  |  | 5,572 |
Commercial & Industrial | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
HELOC | — |  |  | — |  |  | — |  |  | 2 |  |  | 113 |  |  | 113 |
Consumer | 1 |  |  | 11 |  |  | 11 |  |  | — |  |  | — |  |  | — |
| 117 |  |  | $ | 30,726 |  |  | $ | 30,726 |  |  | 213 |  |  | $ | 51,339 |  |  | $ | 51,339 |
| Nine Months Ended June 30,
| 2013 |  | 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 | 337 |  |  | $ | 88,085 |  |  | $ | 88,085 |  |  | 681 |  |  | $ | 159,651 |  |  | $ | 159,651 |
Construction - Speculative | 1 |  |  | 2,481 |  |  | 2,481 |  |  | 22 |  |  | 6,253 |  |  | 6,253 |
Construction - Custom | — |  |  | — |  |  | — |  |  | 1 |  |  | 1,196 |  |  | 1,196 |
Land - Acquisition & Development | — |  |  | — |  |  | — |  |  | 26 |  |  | 5,565 |  |  | 5,565 |
Land - Consumer Lot Loans | 20 |  |  | 3,027 |  |  | 3,027 |  |  | 30 |  |  | 3,906 |  |  | 3,906 |
Multi-Family | 1 |  |  | 44 |  |  | 44 |  |  | 3 |  |  | 2,257 |  |  | 2,257 |
Commercial Real Estate | 1 |  |  | 2,411 |  |  | 2,411 |  |  | 3 |  |  | 5,881 |  |  | 5,881 |
Commercial & Industrial | — |  |  | — |  |  | — |  |  | 1 |  |  | 2 |  |  | 2 |
HELOC | 1 |  |  | 199 |  |  | 199 |  |  | 2 |  |  | 113 |  |  | 113 |
Consumer | 1 |  |  | 11 |  |  | 11 |  |  | — |  |  | — |  |  | — |
| 362 |  |  | $ | 96,258 |  |  | $ | 96,258 |  |  | 769 |  |  | $ | 184,824 |  |  | $ | 184,824 |
The following tables provide information on restructured loans for which a payment default occurred during the periods indicated and that had been modified as a TDR within 12 months or less of the payment default:
| Quarter Ended June 30,
| 2013 |  | 2012
| Number of |  | Recorded |  | Number of |  | Recorded
| Contracts |  | Investment |  | Contracts |  | Investment
| (In thousands) |  | (In thousands)
Troubled Debt Restructurings That Subsequently Defaulted: |  |  |  |  |  |  |
Single-Family Residential | 25 |  |  | $ | 6,833 |  |  | 30 |  |  | $ | 8,225 |
Construction - Speculative | — |  |  | — |  |  | — |  |  | — |
Construction - Custom | — |  |  | — |  |  | — |  |  | — |
Land - Acquisition & Development | — |  |  | — |  |  | — |  |  | — |
Land - Consumer Lot Loans | 1 |  |  | 109 |  |  | — |  |  | — |
Multi-Family | — |  |  | — |  |  | — |  |  | — |
Commercial Real Estate | — |  |  | — |  |  | — |  |  | — |
Commercial & Industrial | — |  |  | — |  |  | — |  |  | — |
HELOC | 1 |  |  | 79 |  |  | — |  |  | — |
Consumer | — |  |  | — |  |  | — |  |  | — |
| 27 |  |  | $ | 7,021 |  |  | 30 |  |  | $ | 8,225 |
| Nine Months Ended June 30,
| 2013 |  | 2012
| Number of |  | Recorded |  | Number of |  | Recorded
| Contracts |  | Investment |  | Contracts |  | Investment
| (In thousands) |  | (In thousands)
Troubled Debt Restructurings That Subsequently Defaulted: |  |  |  |  |  |  |
Single-Family Residential | 65 |  |  | $ | 15,366 |  |  | 97 |  |  | $ | 21,687 |
Construction - Speculative | — |  |  | — |  |  | — |  |  | — |
Construction - Custom | — |  |  | — |  |  | — |  |  | — |
Land - Acquisition & Development | 1 |  |  | 838 |  |  | — |  |  | — |
Land - Consumer Lot Loans | 2 |  |  | 237 |  |  | 4 |  |  | 603 |
Multi-Family | — |  |  | — |  |  | — |  |  | — |
Commercial Real Estate | — |  |  | — |  |  | — |  |  | — |
Commercial & Industrial | — |  |  | — |  |  | — |  |  | — |
HELOC | 2 |  |  | 113 |  |  | — |  |  | — |
Consumer | — |  |  | — |  |  | — |  |  | — |
| 70 |  |  | $ | 16,554 |  |  | 101 |  |  | $ | 22,290 |

X
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