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Allowance for Losses on Loans (Tables) | 3 Months Ended
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Dec. 31, 2014
Receivables [Abstract] |
Summary of Activity in Allowance for Loan Losses | The following table summarizes the activity in the allowance for loan losses for the quarter ended December 31, 2014 and fiscal year ended September 30, 2014:
Quarter Ended December 31, 2014 | Beginning Allowance |  | Charge-offs |  | Recoveries |  | Provision & Transfers |  | Ending Allowance
| (In thousands)
Single-family residential | $ | 62,763 |  |  | $ | (1,694 | ) |  | $ | 2,553 |  |  | $ | (8,127 | ) |  | $ | 55,495 |
Construction - speculative | 6,742 |  |  | (388 | ) |  | — |  |  | (903 | ) |  | 5,451 |
Construction - custom | 1,695 |  |  | — |  |  | — |  |  | (730 | ) |  | 965 |
Land - acquisition & development | 5,592 |  |  | (38 | ) |  | 1 |  |  | 1,116 |  |  | 6,671 |
Land - consumer lot loans | 3,077 |  |  | (35 | ) |  | — |  |  | 71 |  |  | 3,113 |
Multi-family | 4,248 |  |  | — |  |  | 220 |  |  | 32 |  |  | 4,500 |
Commercial real estate | 7,548 |  |  | (27 | ) |  | 28 |  |  | (1,677 | ) |  | 5,872 |
Commercial & industrial | 16,527 |  |  | — |  |  | 34 |  |  | 6,767 |  |  | 23,328 |
HELOC | 928 |  |  | — |  |  | — |  |  | (36 | ) |  | 892 |
Consumer | 3,227 |  |  | (427 | ) |  | 615 |  |  | (1,002 | ) |  | 2,413 |
| $ | 112,347 |  |  | $ | (2,609 | ) |  | $ | 3,451 |  |  | $ | (4,489 | ) |  | $ | 108,700 |
Fiscal Year Ended September 30, 2014 | Beginning Allowance |  | Charge-offs |  | Recoveries |  | Provision & Transfers |  | Ending Allowance
| (In thousands)
Single-family residential | $ | 64,184 |  |  | $ | (8,529 | ) |  | $ | 17,684 |  |  | $ | (10,576 | ) |  | $ | 62,763 |
Construction - speculative | 8,407 |  |  | (949 | ) |  | 97 |  |  | (813 | ) |  | 6,742 |
Construction - custom | 882 |  |  | — |  |  | — |  |  | 813 |  |  | 1,695 |
Land - acquisition & development | 9,165 |  |  | (541 | ) |  | 3,071 |  |  | (6,103 | ) |  | 5,592 |
Land - consumer lot loans | 3,552 |  |  | (658 | ) |  | 22 |  |  | 161 |  |  | 3,077 |
Multi-family | 3,816 |  |  | — |  |  | — |  |  | 432 |  |  | 4,248 |
Commercial real estate | 5,595 |  |  | (105 | ) |  | 33 |  |  | 2,025 |  |  | 7,548 |
Commercial & industrial | 16,614 |  |  | (826 | ) |  | 5,043 |  |  | (4,304 | ) |  | 16,527 |
HELOC | 1,002 |  |  | (48 | ) |  | — |  |  | (26 | ) |  | 928 |
Consumer | 3,524 |  |  | (3,443 | ) |  | 3,513 |  |  | (367 | ) |  | 3,227 |
| $ | 116,741 |  |  | $ | (15,099 | ) |  | $ | 29,463 |  |  | $ | (18,758 | ) |  | $ | 112,347 |
Summary of Loans Collectively and Individually Evaluated for Impairment and Related Allocation of Reserves | The following tables shows a summary of loans collectively and individually evaluated for impairment and the related allocation of general and specific reserves as of December 31, 2014 and September 30, 2014:
December 31, 2014 | Loans Collectively Evaluated for Impairment |  | Loans Individually Evaluated for Impairment
| General Reserve Allocation |  | Gross Loans Subject to General Reserve (1) |  | Ratio |  | Specific Reserve Allocation |  | Gross Loans Subject to Specific Reserve (1) |  | Ratio
| (In thousands) |  |  |  | (In thousands)
Single-family residential | $ | 55,495 |  |  | $ | 5,542,825 |  |  | 1.0 | % |  | $ | — |  |  | $ | 63,091 |  |  | — | %
Construction - speculative | 5,451 |  |  | 87,711 |  |  | 6.2 |  |  | — |  |  | 7,656 |  |  | — |
Construction - custom | 965 |  |  | 191,787 |  |  | 0.5 |  |  | — |  |  | — |  |  | — |
Land - acquisition & development | 6,671 |  |  | 66,953 |  |  | 10.0 |  |  | — |  |  | 3,394 |  |  | — |
Land - consumer lot loans | 3,113 |  |  | 91,588 |  |  | 3.4 |  |  | — |  |  | 12,856 |  |  | — |
Multi-family | 4,500 |  |  | 901,277 |  |  | 0.5 |  |  | — |  |  | 5,019 |  |  | — |
Commercial real estate | 5,872 |  |  | 533,593 |  |  | 1.1 |  |  | — |  |  | 26,217 |  |  | — |
Commercial & industrial | 23,328 |  |  | 425,724 |  |  | 5.4 |  |  | — |  |  | — |  |  | — |
HELOC | 892 |  |  | 116,544 |  |  | 0.8 |  |  | — |  |  | 1,598 |  |  | — |
Consumer | 2,413 |  |  | 126,920 |  |  | 1.9 |  |  | — |  |  | 9 |  |  | — |
| $ | 108,700 |  |  | $ | 8,084,922 |  |  | 1.4 | % |  | $ | — |  |  | $ | 119,840 |  |  | — | %
(1) | Excludes acquired loans with sufficient discounts and covered loans
September 30, 2014 | Loans Collectively Evaluated for Impairment |  | Loans Individually Evaluated for Impairment
| General Reserve Allocation |  | Gross Loans Subject to General Reserve (1) |  | Ratio |  | Specific Reserve Allocation |  | Gross Loans Subject to Specific Reserve (1) |  | Ratio
| (In thousands) |  |  |  | (In thousands)
Single-family residential | $ | 62,067 |  |  | $ | 5,487,331 |  |  | 1.1 | % |  | $ | — |  |  | $ | 72,869 |  |  | — | %
Construction - speculative | 6,682 |  |  | 130,901 |  |  | 5.5 |  |  | 60 |  |  | 9,159 |  |  | 0.7 |
Construction - custom | 1,695 |  |  | 385,464 |  |  | 0.5 |  |  | — |  |  | 360 |  |  | — |
Land - acquisition & development | 5,592 |  |  | 73,999 |  |  | 7.6 |  |  | — |  |  | 3,833 |  |  | — |
Land - consumer lot loans | 3,077 |  |  | 95,684 |  |  | 3.2 |  |  | — |  |  | 12,939 |  |  | — |
Multi-family | 4,248 |  |  | 911,162 |  |  | 0.5 |  |  | — |  |  | 6,124 |  |  | — |
Commercial real estate | 7,548 |  |  | 563,534 |  |  | 1.4 |  |  | — |  |  | 27,802 |  |  | — |
Commercial & industrial | 17,223 |  |  | 421,816 |  |  | 4.6 |  |  | — |  |  | — |  |  | — |
HELOC | 928 |  |  | 114,393 |  |  | 0.9 |  |  | — |  |  | 1,650 |  |  | — |
Consumer | 3,227 |  |  | 132,590 |  |  | 2.4 |  |  | — |  |  | — |  |  | — |
| $ | 112,287 |  |  | $ | 8,316,874 |  |  | 1.4 | % |  | $ | 60 |  |  | $ | 134,736 |  |  | — | %
(1) | Excludes acquired loans with sufficient discounts and covered loans
Summary of Loans Based on Credit Quality Indicators | The following tables provide information on loans based on credit quality indicators (defined above) as of December 31, 2014 and September 30, 2014. Credit Risk Profile by Internally Assigned Grade (excludes covered loans):
December 31, 2014 | Internally Assigned Grade |  | Total
| Pass |  | Special mention |  | Substandard |  | Doubtful |  | Loss |  | Gross Loans
| (In thousands)
Non-acquired loans |  |  |  |  |  |  |  |  |  |  |
Single-family residential | $ | 5,484,864 |  |  | $ | 2,357 |  |  | $ | 120,987 |  |  | $ | — |  |  | $ | — |  |  | $ | 5,608,208 |
Construction - speculative | 147,979 |  |  | — |  |  | 4,471 |  |  | — |  |  | — |  |  | 152,450 |
Construction - custom | 377,561 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 377,561 |
Land - acquisition & development | 78,428 |  |  | — |  |  | 5,572 |  |  | — |  |  | — |  |  | 84,000 |
Land - consumer lot loans | 103,890 |  |  | — |  |  | 602 |  |  | — |  |  | — |  |  | 104,492 |
Multi-family | 971,647 |  |  | — |  |  | 6,105 |  |  | — |  |  | — |  |  | 977,752 |
Commercial real estate | 566,553 |  |  | 1,955 |  |  | 28,928 |  |  | — |  |  | — |  |  | 597,436 |
Commercial & industrial | 333,082 |  |  | 13,653 |  |  | 44,592 |  |  | — |  |  | — |  |  | 391,327 |
HELOC | 117,799 |  |  | — |  |  | 248 |  |  | — |  |  | — |  |  | 118,047 |
Consumer | 126,929 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 126,929 |
| 8,308,732 |  |  | 17,965 |  |  | 211,505 |  |  | — |  |  | — |  |  | 8,538,202 |
Acquired loans |  |  |  |  |  |  |  |  |  |  |
Single-family residential | 11,163 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 11,163 |
Land - acquisition & development | 479 |  |  | — |  |  | 393 |  |  | — |  |  | — |  |  | 872 |
Land - consumer lot loans | 2,496 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,496 |
Multi-family | 2,954 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,954 |
Commercial real estate | 83,991 |  |  | 742 |  |  | 7,400 |  |  | — |  |  | — |  |  | 92,133 |
Commercial & industrial | 45,643 |  |  | 13,001 |  |  | 171 |  |  | 21 |  |  | — |  |  | 58,836 |
HELOC | 7,749 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 7,749 |
Consumer | 4,369 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4,369 |
| 158,844 |  |  | 13,743 |  |  | 7,964 |  |  | 21 |  |  | — |  |  | 180,572 |
Credit impaired acquired loans |  |  |  |  |  |  |  |  |  |  |
Pool 1 - Construction and land A&D | 1,244 |  |  | — |  |  | 289 |  |  | — |  |  | — |  |  | 1,533 |
Pool 2 - Single-family residential | 323 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 323 |
Pool 3 - Multi-family | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Pool 4 - HELOC & other consumer | 9,256 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 9,256 |
Pool 5 - Commercial real estate | 48,716 |  |  | — |  |  | 11,571 |  |  | — |  |  | — |  |  | 60,287 |
Pool 6 - Commercial & industrial | 452 |  |  | 2,803 |  |  | — |  |  | — |  |  | — |  |  | 3,255 |
Total credit impaired acquired loans | 59,991 |  |  | 2,803 |  |  | 11,860 |  |  | — |  |  | — |  |  | 74,654 |
Total gross loans | $ | 8,527,567 |  |  | $ | 34,511 |  |  | $ | 231,329 |  |  | $ | 21 |  |  | $ | — |  |  | $ | 8,793,428 |
Total grade as a % of total gross loans | 97.0 | % |  | 0.4 | % |  | 2.6 | % |  | — | % |  | — | % |  |
September 30, 2014 | Internally Assigned Grade |  | Total
| Pass |  | Special mention |  | Substandard |  | Doubtful |  | Loss |  | Gross Loans
| (In thousands)
Non-acquired loans |  |  |  |  |  |  |  |  |  |  |
Single-family residential | $ | 5,426,895 |  |  | $ | 2,793 |  |  | $ | 130,515 |  |  | $ | — |  |  | $ | — |  |  | $ | 5,560,203 |
Construction - speculative | 134,950 |  |  | — |  |  | 5,110 |  |  | — |  |  | — |  |  | 140,060 |
Construction - custom | 385,824 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 385,824 |
Land - acquisition & development | 71,692 |  |  | — |  |  | 6,140 |  |  | — |  |  | — |  |  | 77,832 |
Land - consumer lot loans | 108,013 |  |  | — |  |  | 610 |  |  | — |  |  | — |  |  | 108,623 |
Multi-family | 912,728 |  |  | — |  |  | 4,558 |  |  | — |  |  | — |  |  | 917,286 |
Commercial real estate | 557,914 |  |  | 1,971 |  |  | 31,451 |  |  | — |  |  | — |  |  | 591,336 |
Commercial & industrial | 359,221 |  |  | 14,740 |  |  | 5,265 |  |  | — |  |  | — |  |  | 379,226 |
HELOC | 115,794 |  |  | — |  |  | 248 |  |  | — |  |  | — |  |  | 116,042 |
Consumer | 132,349 |  |  | — |  |  | 241 |  |  | — |  |  | — |  |  | 132,590 |
| 8,205,380 |  |  | 19,504 |  |  | 184,138 |  |  | — |  |  | — |  |  | 8,409,022 |
Acquired loans |  |  |  |  |  |  |  |  |  |  |
Single-family residential | 11,716 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 11,716 |
Land - acquisition & development | 503 |  |  | — |  |  | 402 |  |  | — |  |  | — |  |  | 905 |
Land - consumer lot loans | 2,507 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,507 |
Multi-family | 2,999 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,999 |
Commercial real estate | 88,974 |  |  | 2,571 |  |  | 6,353 |  |  | — |  |  | — |  |  | 97,898 |
Commercial & industrial | 36,311 |  |  | 13,642 |  |  | 1,375 |  |  | 58 |  |  | — |  |  | 51,386 |
HELOC | 8,274 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 8,274 |
Consumer | 5,670 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5,670 |
| 156,954 |  |  | 16,213 |  |  | 8,130 |  |  | 58 |  |  | — |  |  | 181,355 |
Credit impaired acquired loans |  |  |  |  |  |  |  |  |  |  |
Pool 1 - Construction and land A&D | 1,292 |  |  | — |  |  | 330 |  |  | — |  |  | — |  |  | 1,622 |
Pool 2 - Single-family residential | 325 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 325 |
Pool 3 - Multi-family | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Pool 4 - HELOC & other consumer | 10,194 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 10,194 |
Pool 5 - Commercial real estate | 48,878 |  |  | 2,143 |  |  | 12,702 |  |  | — |  |  | — |  |  | 63,723 |
Pool 6 - Commercial & industrial | 643 |  |  | — |  |  | 2,833 |  |  | — |  |  | — |  |  | 3,476 |
Total credit impaired acquired loans | 61,332 |  |  | 2,143 |  |  | 15,865 |  |  | — |  |  | — |  |  | 79,340 |
Total gross loans | $ | 8,423,666 |  |  | $ | 37,860 |  |  | $ | 208,133 |  |  | $ | 58 |  |  | $ | — |  |  | $ | 8,669,717 |
Total grade as a % of total gross loans | 97.2 | % |  | 0.4 | % |  | 2.4 | % |  | — | % |  | — | % |  |
Schedule of Credit Risk Profile by Payment Activity | Credit Risk Profile Based on Payment Activity (excludes acquired and covered loans):
December 31, 2014 | Performing Loans |  | Non-Performing Loans
| Amount |  | % of Total Gross Loans |  | Amount |  | % of Total Gross Loans
| (In thousands)
Single-family residential | $ | 5,533,792 |  |  | 98.7 | % |  | $ | 74,416 |  |  | 1.3 | %
Construction - speculative | 151,121 |  |  | 99.1 |  |  | 1,329 |  |  | 0.9 |
Construction - custom | 377,561 |  |  | 100.0 |  |  | — |  |  | — |
Land - acquisition & development | 84,000 |  |  | 100.0 |  |  | — |  |  | — |
Land - consumer lot loans | 102,232 |  |  | 97.8 |  |  | 2,260 |  |  | 2.2 |
Multi-family | 976,733 |  |  | 99.9 |  |  | 1,019 |  |  | 0.1 |
Commercial real estate | 581,466 |  |  | 97.3 |  |  | 15,970 |  |  | 2.7 |
Commercial & industrial | 390,655 |  |  | 99.8 |  |  | 672 |  |  | 0.2 |
HELOC | 116,593 |  |  | 98.8 |  |  | 1,454 |  |  | 1.2 |
Consumer | 125,696 |  |  | 99.0 |  |  | 1,233 |  |  | 1.0 |
| $ | 8,439,849 |  |  | 98.8 | % |  | $ | 98,353 |  |  | 1.2 | %
September 30, 2014 | Performing Loans |  | Non-Performing Loans
| Amount |  | % of Total Gross Loans |  | Amount |  | % of Total Gross Loans
| (In thousands)
Single-family residential | $ | 5,486,136 |  |  | 98.7 | % |  | $ | 74,067 |  |  | 1.3 | %
Construction - speculative | 138,583 |  |  | 98.9 |  |  | 1,477 |  |  | 1.1 |
Construction - custom | 385,824 |  |  | 100.0 |  |  | — |  |  | — |
Land - acquisition & development | 77,021 |  |  | 99.0 |  |  | 811 |  |  | 1.0 |
Land - consumer lot loans | 105,986 |  |  | 97.6 |  |  | 2,637 |  |  | 2.4 |
Multi-family | 915,544 |  |  | 99.8 |  |  | 1,742 |  |  | 0.2 |
Commercial real estate | 586,230 |  |  | 99.1 |  |  | 5,106 |  |  | 0.9 |
Commercial & industrial | 379,219 |  |  | 100.0 |  |  | 7 |  |  | — |
HELOC | 115,247 |  |  | 99.3 |  |  | 795 |  |  | 0.7 |
Consumer | 131,801 |  |  | 99.4 |  |  | 789 |  |  | 0.6 |
| $ | 8,321,591 |  |  | 99.0 | % |  | $ | 87,431 |  |  | 1.0 | %
Summary of Impaired Loans Based on Type | The following table provides information on impaired loan balances and the related allowances by loan types as of December 31, 2014 and September 30, 2014:
December 31, 2014 | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |
| (In thousands)
With no related allowance recorded: |  |  |  |  |  |  |  |
Single-family residential | $ | 24,441 |  |  | $ | 26,661 |  |  | $ | — |  |  | $ | 21,251 |  |
Construction - speculative | 1,006 |  |  | 1,201 |  |  | — |  |  | 1,040 |  |
Land - acquisition & development | 790 |  |  | 2,163 |  |  | — |  |  | 813 |  |
Land - consumer lot loans | 1,689 |  |  | 1,787 |  |  | — |  |  | 1,268 |  |
Multi-family | 1,255 |  |  | 1,255 |  |  | — |  |  | 1,068 |  |
Commercial real estate | 27,233 |  |  | 33,352 |  |  | — |  |  | 26,902 |  |
Commercial & industrial | 4,429 |  |  | 16,320 |  |  | — |  |  | 3,812 |  |
HELOC | 1,163 |  |  | 1,948 |  |  | — |  |  | 1,075 |  |
Consumer | 651 |  |  | 836 |  |  | — |  |  | 647 |  |
| 62,657 |  |  | 85,523 |  |  | — |  |  | 57,876 |  |
With an allowance recorded: |  |  |  |  |  |  |  |
Single-family residential | 304,029 |  |  | 309,207 |  |  | 9,964 |  |  | 304,359 |  |
Construction - speculative | 6,317 |  |  | 7,182 |  |  | — |  |  | 6,506 |  |
Land - acquisition & development | 4,238 |  |  | 5,178 |  |  | — |  |  | 4,467 |  |
Land - consumer lot loans | 12,231 |  |  | 12,614 |  |  | — |  |  | 12,446 |  |
Multi-family | 3,492 |  |  | 3,492 |  |  | — |  |  | 3,828 |  |
Commercial real estate | 18,028 |  |  | 18,896 |  |  | — |  |  | 18,072 |  |
HELOC | 1,486 |  |  | 1,486 |  |  | — |  |  | 1,486 |  |
Consumer | 126 |  |  | 297 |  |  | — |  |  | 85 |  |
| 349,947 |  |  | 358,352 |  |  | 9,964 |  | (1) | 351,249 |  |
Total: |  |  |  |  |  |  |  |
Single-family residential | 328,470 |  |  | 335,868 |  |  | 9,964 |  |  | 325,610 |  |
Construction - speculative | 7,323 |  |  | 8,383 |  |  | — |  |  | 7,546 |  |
Land - acquisition & development | 5,028 |  |  | 7,341 |  |  | — |  |  | 5,280 |  |
Land - consumer lot loans | 13,920 |  |  | 14,401 |  |  | — |  |  | 13,714 |  |
Multi-family | 4,747 |  |  | 4,747 |  |  | — |  |  | 4,896 |  |
Commercial real estate | 45,261 |  |  | 52,248 |  |  | — |  |  | 44,974 |  |
Commercial & industrial | 4,429 |  |  | 16,320 |  |  | — |  |  | 3,812 |  |
HELOC | 2,649 |  |  | 3,434 |  |  | — |  |  | 2,561 |  |
Consumer | 777 |  |  | 1,133 |  |  | — |  |  | 732 |  |
| $ | 412,604 |  |  | $ | 443,875 |  |  | $ | 9,964 |  | (1) | $ | 409,125 |  |
(1)Included in the general reserves.
September 30, 2014 | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment
| (In thousands)
With no related allowance recorded: |  |  |  |  |  |  |
Single-family residential | $ | 24,044 |  |  | $ | 26,628 |  |  | $ | — |  |  | $ | 16,843 |
Construction - speculative | 1,603 |  |  | 2,173 |  |  | — |  |  | 1,804 |
Land - acquisition & development | 837 |  |  | 2,325 |  |  | — |  |  | 1,038 |
Land - consumer lot loans | 974 |  |  | 1,072 |  |  | — |  |  | 713 |
Multi-family | 1,111 |  |  | 1,111 |  |  | — |  |  | 327 |
Commercial real estate | 13,234 |  |  | 20,085 |  |  | — |  |  | 11,720 |
Commercial & industrial | 3,195 |  |  | 17,166 |  |  | — |  |  | 3,900 |
HELOC | 1,019 |  |  | 1,730 |  |  | — |  |  | 612 |
Consumer | 663 |  |  | 833 |  |  | — |  |  | 517 |
| 46,680 |  |  | 73,123 |  |  | — |  |  | 37,474 |
With an allowance recorded: |  |  |  |  |  |  |
Single-family residential | 322,320 |  |  | 327,869 |  |  | 10,527 |  |  | 316,348 |
Construction - speculative | 7,556 |  |  | 7,986 |  |  | 60 |  |  | 7,532 |
Land - acquisition & development | 4,696 |  |  | 5,636 |  |  | — |  |  | 4,114 |
Land - consumer lot loans | 13,002 |  |  | 13,385 |  |  | — |  |  | 12,858 |
Multi-family | 5,243 |  |  | 5,463 |  |  | — |  |  | 4,957 |
Commercial real estate | 34,159 |  |  | 35,028 |  |  | — |  |  | 18,572 |
HELOC | 1,486 |  |  | 1,486 |  |  | — |  |  | 1,204 |
Consumer | 43 |  |  | 214 |  |  | — |  |  | 79 |
| 388,505 |  |  | 397,067 |  |  | 10,587 |  | (1) | 365,664 |
Total: |  |  |  |  |  |  |
Single-family residential | 346,364 |  |  | 354,497 |  |  | 10,527 |  |  | 333,191 |
Construction - speculative | 9,159 |  |  | 10,159 |  |  | 60 |  |  | 9,336 |
Land - acquisition & development | 5,533 |  |  | 7,961 |  |  | — |  |  | 5,152 |
Land - consumer lot loans | 13,976 |  |  | 14,457 |  |  | — |  |  | 13,571 |
Multi-family | 6,354 |  |  | 6,574 |  |  | — |  |  | 5,284 |
Commercial real estate | 47,393 |  |  | 55,113 |  |  | — |  |  | 30,292 |
Commercial & industrial | 3,195 |  |  | 17,166 |  |  | — |  |  | 3,900 |
HELOC | 2,505 |  |  | 3,216 |  |  | — |  |  | 1,816 |
Consumer | 706 |  |  | 1,047 |  |  | — |  |  | 596 |
| $ | 435,185 |  |  | $ | 470,190 |  |  | $ | 10,587 |  | (1) | $ | 403,138 |
(1) | Includes $60,000 of specific reserves and $10,527,000 included in the general reserves.

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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=28368275&loc=SL6953659-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 55 -Paragraph 19 -URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525 + Details
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- Definition Tabular disclosure of impaired financing receivables. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=28368275&loc=d3e5212-111524 + Details
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- Details
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