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Loans Receivable (excluding Covered Loans) (Tables) | 12 Months Ended
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Sep. 30, 2014
Receivables [Abstract] |
Schedule of loans receivable (excluding covered loans) |
| September 30, 2014 |  | September 30, 2013
| (In thousands) |  | (In thousands)
Non-acquired loans |  |  |  |  |  |  |
Single-family residential | $ | 5,560,203 |  |  | 64.1 | % |  | $ | 5,359,149 |  |  | 67.1 | %
Construction - speculative | 140,060 |  |  | 1.6 |  |  | 130,778 |  |  | 1.6 |
Construction - custom | 385,824 |  |  | 4.5 |  |  | 302,722 |  |  | 3.8 |
Land - acquisition & development | 77,832 |  |  | 0.9 |  |  | 77,775 |  |  | 1.1 |
Land - consumer lot loans | 108,623 |  |  | 1.3 |  |  | 121,671 |  |  | 1.5 |
Multi-family | 917,286 |  |  | 10.6 |  |  | 831,684 |  |  | 10.4 |
Commercial real estate | 591,336 |  |  | 6.9 |  |  | 414,961 |  |  | 5.1 |
Commercial & industrial | 379,226 |  |  | 4.4 |  |  | 243,199 |  |  | 3.0 |
HELOC | 116,042 |  |  | 1.4 |  |  | 112,186 |  |  | 1.4 |
Consumer | 132,590 |  |  | 1.5 |  |  | 47,141 |  |  | 0.6 |
Total non-acquired loans | 8,409,022 |  |  | 97.2 |  |  | 7,641,266 |  |  | 95.6 |
Acquired loans |  |  |  |  |  |  |
Single-family residential | 11,716 |  |  | 0.1 | % |  | 14,468 |  |  | 0.2 | %
Construction - speculative | — |  |  | — |  |  | — |  |  | — |
Construction - custom | — |  |  | — |  |  | — |  |  | — |
Land - acquisition & development | 905 |  |  | — |  |  | 1,489 |  |  | — |
Land - consumer lot loans | 2,507 |  |  | — |  |  | 3,313 |  |  | — |
Multi-family | 2,999 |  |  | — |  |  | 3,914 |  |  | 0.1 |
Commercial real estate | 97,898 |  |  | 1.1 |  |  | 133,423 |  |  | 1.7 |
Commercial & industrial | 54,219 |  |  | 0.6 |  |  | 75,326 |  |  | 0.9 |
HELOC | 8,274 |  |  | 0.1 |  |  | 10,179 |  |  | 0.1 |
Consumer | 5,670 |  |  | 0.1 |  |  | 8,267 |  |  | 0.1 |
Total acquired loans | 184,188 |  |  | 2.0 |  |  | 250,379 |  |  | 3.1 |
Credit-impaired acquired loans |  |  |  |  |  |  |
Single-family residential | 325 |  |  | — |  |  | 333 |  |  | — |
Construction - speculative | — |  |  | — |  |  | — |  |  | — |
Construction - custom | — |  |  | — |  |  | — |  |  | — |
Land - acquisition & development | 1,622 |  |  | — |  |  | 2,396 |  |  | — |
Land - consumer lot loans | — |  |  | — |  |  | — |  |  | — |
Multi-family | — |  |  | — |  |  | — |  |  | — |
Commercial real estate | 63,723 |  |  | 0.7 |  |  | 76,909 |  |  | 1.1 |
Commercial & industrial | 643 |  |  | — |  |  | 7,925 |  |  | 0.1 |
HELOC | 10,139 |  |  | 0.1 |  |  | 11,266 |  |  | 0.1 |
Consumer | 55 |  |  | — |  |  | 71 |  |  | — |
Total credit-impaired acquired loans | 76,507 |  |  | 0.8 |  |  | 98,900 |  |  | 1.3 |
Total loans |  |  |  |  |  |  |
Single-family residential | 5,572,244 |  |  | 64.2 |  |  | 5,373,950 |  |  | 67.3 |
Construction - speculative | 140,060 |  |  | 1.6 |  |  | 130,778 |  |  | 1.6 |
Construction - custom | 385,824 |  |  | 4.5 |  |  | 302,722 |  |  | 3.8 |
Land - acquisition & development | 80,359 |  |  | 0.9 |  |  | 81,660 |  |  | 1.1 |
Land - consumer lot loans | 111,130 |  |  | 1.3 |  |  | 124,984 |  |  | 1.5 |
Multi-family | 920,285 |  |  | 10.6 |  |  | 835,598 |  |  | 10.5 |
Commercial real estate | 752,957 |  |  | 8.7 |  |  | 625,293 |  |  | 7.9 |
Commercial & industrial | 434,088 |  |  | 5.0 |  |  | 326,450 |  |  | 4.0 |
HELOC | 134,455 |  |  | 1.6 |  |  | 133,631 |  |  | 1.6 |
Consumer | 138,315 |  |  | 1.6 |  |  | 55,479 |  |  | 0.7 |
Total loans | 8,669,717 |  |  | 100 | % |  | 7,990,545 |  |  | 100 | %
Less: |  |  |  |  |  |  |
Allowance for probable losses | 112,347 |  |  |  |  | 116,741 |  |  |
Loans in process | 346,172 |  |  |  |  | 275,577 |  |  |
Discount on acquired loans | 25,391 |  |  |  |  | 34,143 |  |  |
Deferred net origination fees | 37,485 |  |  |  |  | 36,054 |  |  |
| 521,395 |  |  |  |  | 462,515 |  |  |
| $ | 8,148,322 |  |  |  |  | $ | 7,528,030 |  |  |
Schedule of fixed and adjustable rate loans | The Company originates fixed and adjustable interest rate loans, which at September 30, 2014 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 | $ | 366,988 |  |  | Less than 1 year | $ | 1,167,059 |
1 to 3 years | 189,917 |  |  | 1 to 3 years | 562,839 |
3 to 5 years | 100,854 |  |  | 3 to 5 years | 713,975 |
5 to 10 years | 127,292 |  |  | 5 to 10 years | 12,884 |
10 to 20 years | 819,570 |  |  | 10 to 20 years | — |
Over 20 years | 4,605,687 |  |  | Over 20 years | 2,652 |
| $ | 6,210,308 |  |  |  | $ | 2,459,409 |
Schedule of loans receivable by geographic area | Gross loans by geographic concentration were as follows:
September 30, 2014 | 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 | $ | 2,711,711 |  | $ | 315,584 |  | $ | 46,091 |  | $ | 61,525 |  | $ | 211,474 |  | $ | 68,668 |  | $ | 372,239 |  | $ | 87,312 |  | $ | 16 |  | $ | 73,721 |  | $ | 3,948,341 |
Oregon | 784,794 |  | 278,112 |  | 5,655 |  | 19,738 |  | 53,218 |  | 31,210 |  | 161,401 |  | 31,547 |  | — |  | 15,501 |  | 1,381,176 |
Arizona | 600,306 |  | 182,645 |  | 3,201 |  | 10,040 |  | 42,326 |  | 9,393 |  | 92,817 |  | 1,078 |  | — |  | 19,580 |  | 961,386 |
Other | 206,586 |  | 688 |  | — |  | — |  | — |  | — |  | 19,160 |  | 309,855 |  | 138,299 |  | 30 |  | 674,618 |
Utah | 471,248 |  | 49,755 |  | 5,430 |  | 5,293 |  | 28,107 |  | 5,640 |  | 3,319 |  | 297 |  | — |  | 7,657 |  | 576,746 |
Idaho | 323,320 |  | 25,294 |  | 2,277 |  | 9,479 |  | 16,008 |  | 12,195 |  | 3,656 |  | 769 |  | — |  | 5,008 |  | 398,006 |
New Mexico | 174,102 |  | 53,002 |  | 14,923 |  | 2,946 |  | 21,024 |  | 9,893 |  | 90,288 |  | 3,230 |  | — |  | 12,587 |  | 381,995 |
Texas | 180,950 |  | 12,852 |  | 2,782 |  | 629 |  | 7,941 |  | 3,061 |  | 7,722 |  | — |  | — |  | — |  | 215,937 |
Nevada | 119,227 |  | 2,353 |  | — |  | 1,480 |  | 5,726 |  | — |  | 2,355 |  | — |  | — |  | 371 |  | 131,512 |
| $ | 5,572,244 |  | $ | 920,285 |  | $ | 80,359 |  | $ | 111,130 |  | $ | 385,824 |  | $ | 140,060 |  | $ | 752,957 |  | $ | 434,088 |  | $ | 138,315 |  | $ | 134,455 |  | $ | 8,669,717 |
Percentage by geographic area
September 30, 2014 | 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 | 31.6 | % | 3.6 | % | 0.5 | % | 0.7 | % | 2.4 | % | 0.8 | % | 4.3 | % | 1.0 | % | — | % | 0.9 | % | 45.8 | %
Oregon | 9.1 |  | 3.2 |  | 0.1 |  | 0.2 |  | 0.6 |  | 0.4 |  | 1.9 |  | 0.4 |  | — |  | 0.2 |  | 16.1 |
Arizona | 6.9 |  | 2.1 |  | — |  | 0.1 |  | 0.5 |  | 0.1 |  | 1.1 |  | — |  | — |  | 0.2 |  | 11.0 |
Other | 2.4 |  | — |  | — |  | — |  | — |  | — |  | 0.2 |  | 3.6 |  | 1.6 |  | — |  | 7.8 |
Utah | 5.4 |  | 0.6 |  | 0.1 |  | 0.1 |  | 0.3 |  | 0.1 |  | — |  | — |  | — |  | 0.1 |  | 6.7 |
Idaho | 3.7 |  | 0.3 |  | — |  | 0.1 |  | 0.2 |  | 0.1 |  | — |  | — |  | — |  | 0.1 |  | 4.5 |
New Mexico | 2.0 |  | 0.6 |  | 0.2 |  | — |  | 0.2 |  | 0.1 |  | 1.0 |  | — |  | — |  | 0.1 |  | 4.2 |
Texas | 2.1 |  | 0.1 |  | — |  | — |  | 0.1 |  | — |  | 0.1 |  | — |  | — |  | — |  | 2.4 |
Nevada | 1.4 |  | — |  | — |  | — |  | 0.1 |  | — |  | — |  | — |  | — |  | — |  | 1.5 |
| 64.6 | % | 10.5 | % | 0.9 | % | 1.2 | % | 4.4 | % | 1.6 | % | 8.6 | % | 5.0 | % | 1.6 | % | 1.6 | % | 100.0 | %
Percentage by geographic area as a % of each loan type
September 30, 2014 | 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 | 48.7 | % | 34.3 | % | 57.3 | % | 55.3 | % | 54.8 | % | 49.0 | % | 49.6 | % | 20.1 | % | — | % | 54.8 | %
Oregon | 14.1 |  | 30.2 |  | 7.0 |  | 17.8 |  | 13.8 |  | 22.3 |  | 21.4 |  | 7.3 |  | — |  | 11.5 |
Arizona | 10.8 |  | 19.8 |  | 4.0 |  | 9.0 |  | 11.0 |  | 6.7 |  | 12.3 |  | 0.2 |  | — |  | 14.6 |
Other | 3.7 |  | 0.1 |  | — |  | — |  | — |  | — |  | 2.5 |  | 71.4 |  | 100.0 |  | — |
Utah | 8.5 |  | 5.4 |  | 6.8 |  | 4.8 |  | 7.3 |  | 4.0 |  | 0.4 |  | 0.1 |  | — |  | 5.7 |
Idaho | 5.8 |  | 2.7 |  | 2.8 |  | 8.5 |  | 4.1 |  | 8.7 |  | 0.5 |  | 0.2 |  | — |  | 3.7 |
New Mexico | 3.1 |  | 5.8 |  | 18.6 |  | 2.7 |  | 5.4 |  | 7.1 |  | 12.0 |  | 0.7 |  | — |  | 9.4 |
Texas | 3.2 |  | 1.4 |  | 3.5 |  | 0.6 |  | 2.1 |  | 2.2 |  | 1.0 |  | — |  | — |  | — |
Nevada | 2.1 |  | 0.3 |  | — |  | 1.3 |  | 1.5 |  | — |  | 0.3 |  | — |  | — |  | 0.3 |
| 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, 2014 |  | September 30, 2013
| (In thousands)
Recorded investment in impaired loans | $ | 435,185 |  |  | $ | 454,557 |
Trouble Debt Restructuring included in impaired loans | 374,743 |  |  | 415,696 |
Impaired loans with allocated reserves | 196 |  |  | 6,035 |
Reserves on impaired loans | 60 |  |  | 3,473 |
Average balance of impaired loans | 403,138 |  |  | 495,472 |
Interest income from impaired loans | 21,674 |  |  | 24,798 |
Outstanding fixed-rate origination commitments | 198,504 |  |  | 190,363 |
Loans serviced for others | 86,745 |  |  | 55,589 |
Non accrual loans held by the company | The following table sets forth information regarding non-accrual loans held by the Company:
| September 30, 2014 |  | September 30, 2013
| (In thousands) |  |  |  | (In thousands) |  |
Non-accrual loans: |  |  |  |  |  |  |
Single-family residential | $ | 74,067 |  |  | 84.8 | % |  | $ | 100,460 |  |  | 76.5 | %
Construction - speculative | 1,477 |  |  | 1.7 |  |  | 4,560 |  |  | 3.5 |
Construction - custom | — |  |  | — |  |  | — |  |  | — |
Land - acquisition & development | 811 |  |  | 0.9 |  |  | 2,903 |  |  | 2.2 |
Land - consumer lot loans | 2,637 |  |  | 3.0 |  |  | 3,337 |  |  | 2.5 |
Multi-family | 1,742 |  |  | 2.0 |  |  | 6,573 |  |  | 5.0 |
Commercial real estate | 5,106 |  |  | 5.8 |  |  | 11,736 |  |  | 8.9 |
Commercial & industrial | 7 |  |  | — |  |  | 477 |  |  | 0.4 |
HELOC | 795 |  |  | 0.9 |  |  | 263 |  |  | 0.2 |
Consumer | 789 |  |  | 0.9 |  |  | 990 |  |  | 0.8 |
Total non-accrual loans | $ | 87,431 |  |  | 100 | % |  | $ | 131,299 |  |  | 100 | %
Aging of past due loans | The following tables provide an analysis of the age of loans in past due status:
September 30, 2014 | 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 | $ | 5,557,753 |  |  | $ | 5,467,239 |  |  | $ | 15,926 |  |  | $ | 9,139 |  |  | $ | 65,449 |  |  | $ | 90,514 |  |  | 1.63 | %
Construction - Speculative | 87,035 |  |  | 87,035 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Construction - Custom | 192,098 |  |  | 191,262 |  |  | 836 |  |  | — |  |  | — |  |  | 836 |  |  | 0.44 |
Land - Acquisition & Development | 68,066 |  |  | 67,911 |  |  | 155 |  |  | — |  |  | — |  |  | 155 |  |  | 0.23 |
Land - Consumer Lot Loans | 108,589 |  |  | 104,571 |  |  | 1,246 |  |  | 304 |  |  | 2,468 |  |  | 4,018 |  |  | 3.70 |
Multi-Family | 892,196 |  |  | 891,372 |  |  | 205 |  |  | 16 |  |  | 603 |  |  | 824 |  |  | 0.09 |
Commercial Real Estate | 529,453 |  |  | 513,409 |  |  | 67 |  |  | 15,118 |  |  | 859 |  |  | 16,044 |  |  | 3.03 |
Commercial & Industrial | 379,226 |  |  | 377,848 |  |  | 53 |  |  | 1,318 |  |  | 7 |  |  | 1,378 |  |  | 0.36 |
HELOC | 116,262 |  |  | 115,262 |  |  | 335 |  |  | 292 |  |  | 373 |  |  | 1,000 |  |  | 0.86 |
Consumer | 132,686 |  |  | 131,642 |  |  | 654 |  |  | 262 |  |  | 128 |  |  | 1,044 |  |  | 0.79 |
Total non-acquired loans | 8,063,364 |  |  | 7,947,551 |  |  | 19,477 |  |  | 26,449 |  |  | 69,887 |  |  | 115,813 |  |  | 1.44 | %
Acquired loans |  |  |  |  |  |  |  |  |  |  |  |  |
Single-Family Residential | 11,716 |  |  | 11,693 |  |  | — |  |  | — |  |  | 23 |  |  | 23 |  |  | 0.20 | %
Construction - Speculative | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Construction - Custom | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Land - Acquisition & Development | 905 |  |  | 905 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Land - Consumer Lot Loans | 2,502 |  |  | 2,132 |  |  | — |  |  | 370 |  |  | — |  |  | 370 |  |  | 14.79 |
Multi-Family | 2,999 |  |  | 2,999 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial Real Estate | 97,715 |  |  | 96,948 |  |  | 104 |  |  | — |  |  | 663 |  |  | 767 |  |  | 0.78 |
Commercial & Industrial | 51,329 |  |  | 51,229 |  |  | — |  |  | 100 |  |  | — |  |  | 100 |  |  | 0.19 |
HELOC | 8,056 |  |  | 8,056 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer | 5,670 |  |  | 4,983 |  |  | 22 |  |  | 4 |  |  | 661 |  |  | 687 |  |  | 12.12 |
Total acquired loans | 180,892 |  |  | 178,945 |  |  | 126 |  |  | 474 |  |  | 1,347 |  |  | 1,947 |  |  | 1.08 | %
Credit-impaired acquired loans |  |  |  |  |  |  |  |  |  |  |  |  |
Single-Family Residential | 325 |  |  | 325 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — | %
Construction - Speculative | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Construction - Custom | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Land - Acquisition & Development | 1,581 |  |  | 1,581 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Land - Consumer Lot Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Multi-Family | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial Real Estate | 63,713 |  |  | 61,713 |  |  | 152 |  |  | 909 |  |  | 939 |  |  | 2,000 |  |  | 3.14 |
Commercial & Industrial | 3,477 |  |  | 3,470 |  |  | 7 |  |  | — |  |  | — |  |  | 7 |  |  | 0.20 |
HELOC | 10,138 |  |  | 9,641 |  |  | — |  |  | 75 |  |  | 422 |  |  | 497 |  |  | 4.90 |
Consumer | 54 |  |  | 54 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total credit-impaired acquired loans | 79,288 |  |  | 76,784 |  |  | 159 |  |  | 984 |  |  | 1,361 |  |  | 2,504 |  |  | 3.16 | %
Total loans | $ | 8,323,544 |  |  | $ | 8,203,280 |  |  | $ | 19,762 |  |  | $ | 27,907 |  |  | $ | 72,595 |  |  | $ | 120,264 |  |  | 1.44 | %
Schedule of loan modifications | The following tables provides information related to loans that were restructured during the period ending:
| September 30, 2014 |  | September 30, 2013
|  |  | Pre-Modification |  | Post-Modification |  |  |  | Pre-Modification |  | Post-Modification
|  |  | Outstanding |  | Outstanding |  |  |  | Outstanding |  | Outstanding
| Number of |  | Recorded |  | Recorded |  | Number of |  | Recorded |  | Recorded
Troubled Debt Restructurings: | Contracts |  | Investment |  | Investment |  | Contracts |  | Investment |  | Investment
|  |  | (In thousands) |  |  |  | (In thousands)
Single-Family Residential | 241 |  |  | $ | 52,900 |  |  | $ | 52,900 |  |  | 406 |  |  | $ | 105,551 |  |  | $ | 105,551 |
Construction - Speculative | — |  |  | — |  |  | — |  |  | 1 |  |  | 2,470 |  |  | 2,470 |
Construction - Custom | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Land - Acquisition & Development | 3 |  |  | 631 |  |  | 631 |  |  | 1 |  |  | 461 |  |  | 461 |
Land - Consumer Lot Loans | 13 |  |  | 2,315 |  |  | 2,315 |  |  | 25 |  |  | 3,134 |  |  | 3,134 |
Multi-Family | 2 |  |  | 1,196 |  |  | 1,196 |  |  | 1 |  |  | 36 |  |  | 36 |
Commercial Real Estate | 3 |  |  | 2,177 |  |  | 2,177 |  |  | 15 |  |  | 11,523 |  |  | 11,523 |
Commercial & Industrial | — |  |  | — |  |  | — |  |  | 1 |  |  | 56 |  |  | 56 |
HELOC | 2 |  |  | 549 |  |  | 549 |  |  | 1 |  |  | 199 |  |  | 199 |
Consumer | 3 |  |  | 35 |  |  | 35 |  |  | 2 |  |  | 33 |  |  | 33 |
| 267 |  |  | $ | 59,803 |  |  | $ | 59,803 |  |  | 453 |  |  | $ | 123,463 |  |  | $ | 123,463 |
| September 30, 2014 |  | September 30, 2013
| Number of |  | Recorded |  | Number of |  | Recorded
Troubled Debt Restructurings That Subsequently Defaulted: | Contracts |  | Investment |  | Contracts |  | Investment
|  |  | (In thousands) |  |  |  | (In thousands)
Single-Family Residential | 38 |  |  | $ | 7,427 |  |  | 78 |  |  | $ | 17,120 |
Construction - Speculative | — |  |  | — |  |  | — |  |  | — |
Construction - Custom | — |  |  | — |  |  | — |  |  | — |
Land - Acquisition & Development | — |  |  | — |  |  | — |  |  | — |
Land - Consumer Lot Loans | 8 |  |  | 969 |  |  | 2 |  |  | 237 |
Multi-Family | — |  |  | — |  |  | — |  |  | — |
Commercial Real Estate | — |  |  | — |  |  | 2 |  |  | 2,703 |
Commercial & Industrial | — |  |  | — |  |  | — |  |  | — |
HELOC | — |  |  | — |  |  | 1 |  |  | 79 |
Consumer | — |  |  | — |  |  | — |  |  | — |
| 46 |  |  | $ | 8,396 |  |  | 83 |  |  | $ | 20,139 |
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, 2014 and 2013:
| September 30, 2014 |  | September 30, 2013
| 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)
Beginning balance | $ | 37,236 |  |  | $ | 69,718 |  |  | $ | 4,977 |  |  | $ | 245,373 |  |  | $ | 16,928 |  |  | $ | 77,613 |  |  | $ | — |  |  | $ | — |
Additions | 7,300 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 9,865 |  |  | 10,804 |  |  | 351,335 |
Net reclassification from nonaccretable | — |  |  | — |  |  | — |  |  | — |  |  | 30,026 |  |  | — |  |  | — |  |  | — |
Accretion | (11,945 | ) |  | 11,945 |  |  | (723 | ) |  | 723 |  |  | (9,718 | ) |  | 9,718 |  |  | (5,827 | ) |  | 5,827 |
Transfers to REO | — |  |  | (1,188 | ) |  | — |  |  | (4,710 | ) |  | — |  |  | (3,975 | ) |  | — |  |  | (7,755 | )
Payments received, net | — |  |  | (22,704 | ) |  | — |  |  | (63,946 | ) |  | — |  |  | (23,503 | ) |  | — |  |  | (104,034 | )
Ending Balance | $ | 32,591 |  |  | $ | 57,771 |  |  | $ | 4,254 |  |  | $ | 177,440 |  |  | $ | 37,236 |  |  | $ | 69,718 |  |  | $ | 4,977 |  |  | $ | 245,373 |
Schedule of loans Acquired, probable payments not collected | 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
(In thousands) | 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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