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Covered Assets (Tables) | 3 Months Ended
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Dec. 31, 2014
Fair Value Inputs, Assets, Quantitative Information [Line Items] |
Schedule of Changes in Carrying Amount and Accretable Yield of Assets | Changes in the carrying amount and accretable yield for acquired impaired and non-impaired loans for the quarter ended December 31, 2014 and the fiscal year ended September 30, 2014 were as follows:
December 31, 2014 | Acquired Impaired |  | Acquired Non-impaired
| Accretable Yield |  | Carrying Amount of Loans |  | Accretable Yield |  | Carrying Amount of Loans
| (In thousands)
Balance at beginning of period | $ | 64,534 |  |  | $ | 78,055 |  |  | $ | 10,259 |  |  | $ | 98,422 |
Accretion | (4,509 | ) |  | 4,509 |  |  | (1,909 | ) |  | 1,909 |
Transfers to REO | — |  |  | (51 | ) |  | — |  |  | — |
Payments received, net | — |  |  | (4,025 | ) |  | — |  |  | (16,942 | )
Balance at end of period | $ | 60,025 |  |  | $ | 78,488 |  |  | $ | 8,350 |  |  | $ | 83,389 |
September 30, 2014 | Acquired Impaired |  | Acquired Non-impaired
| Accretable Yield |  | Carrying Amount of Loans |  | Accretable Yield |  | Carrying Amount of Loans
| (In thousands)
Balance at beginning of period | $ | 78,277 |  |  | $ | 138,091 |  |  | $ | 17,263 |  |  | $ | 157,856 |
Reclassification from nonaccretable balance, net | 10,186 |  |  | (2,069 | ) |  | — |  |  | — |
Accretion | (23,929 | ) |  | 23,929 |  |  | (7,004 | ) |  | 7,004 |
Transfers to REO | — |  |  | (8,943 | ) |  | — |  |  | — |
Payments received, net | — |  |  | (72,953 | ) |  | — |  |  | (66,438 | )
Balance at end of period | $ | 64,534 |  |  | $ | 78,055 |  |  | $ | 10,259 |  |  | $ | 98,422 |
Schedule of Activity for FDIC Indemnification Asset | The following table shows the year to date activity for the FDIC indemnification asset:
| December 31, 2014 |  | September 30, 2014
| (In thousands)
Balance at beginning of fiscal year 2014 and 2013 | $ | 36,860 |  |  | $ | 64,615 |
Additions | — |  |  | 1,795 |
Payments made (received) | 430 |  |  | (2,502 | )
Amortization | (7,074 | ) |  | (27,850 | )
Accretion | 140 |  |  | 802 |
Balance at end of period | $ | 30,356 |  |  | $ | 36,860 |
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 | % |  | — | % |  | — | % |  |
Analysis of Age of Purchased Non-Credit Impaired Loans In Past Due Status | The following tables provide an analysis of the age of purchased non credit-impaired loans in past due status as of December 31, 2014 and September 30, 2014:
December 31, 2014 | Amount of Loans Net of LIP & Chg.-Offs |  | Days Delinquent Based on $ Amount of Loans |  | % based on $
Type of Loans | Current |  | 30 |  | 60 |  | 90 |  | Total |
| (In thousands) |  |
Single-Family Residential | $ | 21,876 |  |  | $ | 21,306 |  |  | $ | 27 |  |  | $ | 201 |  |  | $ | 342 |  |  | $ | 570 |  |  | 2.61 | %
Land - Acquisition & Development | 389 |  |  | 353 |  |  | — |  |  | — |  |  | 36 |  |  | 36 |  |  | 9.25 |
Land - Consumer Lot Loans | 73 |  |  | 73 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Multi-Family | 4,250 |  |  | 4,250 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial Real Estate | 40,127 |  |  | 40,127 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial & Industrial | 5,111 |  |  | 5,111 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
HELOC | 11,226 |  |  | 11,197 |  |  | 29 |  |  | — |  |  | — |  |  | 29 |  |  | 0.26 |
Consumer | 393 |  |  | 390 |  |  | — |  |  | 3 |  |  | — |  |  | 3 |  |  | 0.76 |
| $ | 83,445 |  |  | $ | 82,807 |  |  | $ | 56 |  |  | $ | 204 |  |  | $ | 378 |  |  | $ | 638 |  |  | 0.76 | %
September 30, 2014 | Amount of Loans Net of LIP & Chg.-Offs |  | Days Delinquent Based on $ Amount of Loans |  | % based on $
Type of Loans | Current |  | 30 |  | 60 |  | 90 |  | Total |
| (In thousands) |  |
Single-Family Residential | $ | 23,067 |  |  | $ | 22,391 |  |  | $ | 230 |  |  | $ | 40 |  |  | $ | 406 |  |  | $ | 676 |  |  | 2.93 | %
Land - Acquisition & Development | 1,364 |  |  | 1,328 |  |  | — |  |  | — |  |  | 36 |  |  | 36 |  |  | 2.64 |
Land - Consumer Lot Loans | 73 |  |  | 73 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Multi-Family | 6,598 |  |  | 5,502 |  |  | — |  |  | — |  |  | 1,096 |  |  | 1,096 |  |  | 16.61 |
Commercial Real Estate | 51,336 |  |  | 51,336 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial & Industrial | 5,492 |  |  | 5,492 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
HELOC | 11,777 |  |  | 11,777 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer | 454 |  |  | 443 |  |  | 11 |  |  | — |  |  | — |  |  | 11 |  |  | 2.42 |
| $ | 100,161 |  |  | $ | 98,342 |  |  | $ | 241 |  |  | $ | 40 |  |  | $ | 1,538 |  |  | $ | 1,819 |  |  | 1.82 | %
Acquired or Covered Loans [Member] |
Fair Value Inputs, Assets, Quantitative Information [Line Items] |
Summary of Loans Based on Credit Quality Indicators | The following tables provide information on covered loans based on credit quality indicators (defined in Note E ) as of December 31, 2014 and September 30, 2014:
December 31, 2014 | Internally Assigned Grade |  | Total Net Loans
| Pass |  | Special mention |  | Substandard |  | Doubtful |  | Loss |
| (In thousands)
Purchased non credit-impaired loans: |  |  |  |  |  |  |  |  |  |  |
Single-family residential | $ | 20,664 |  |  | $ | — |  |  | $ | 1,212 |  |  | $ | — |  |  | $ | — |  |  | $ | 21,876 |
Land - acquisition & development | 353 |  |  | — |  |  | 36 |  |  | — |  |  | — |  |  | 389 |
Land - consumer lot loans | 73 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 73 |
Multi-family | 4,250 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4,250 |
Commercial real estate | 25,317 |  |  | — |  |  | 14,810 |  |  | — |  |  | — |  |  | 40,127 |
Commercial & industrial | 2,476 |  |  | — |  |  | 2,635 |  |  | — |  |  | — |  |  | 5,111 |
HELOC | 11,226 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 11,226 |
Consumer | 393 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 393 |
| 64,752 |  |  | — |  |  | 18,693 |  |  | — |  |  | — |  |  | 83,445 |
Total grade as a % of total net loans | 77.6 | % |  | — | % |  | 22.4 | % |  | — | % |  | — | % |  |
Purchased credit-impaired loans: |  |  |  |  |  |  |  |
Pool 1 - Construction and land A&D | 7,128 |  |  | — |  |  | 12,142 |  |  | — |  |  | — |  |  | 19,270 |
Pool 2 - Single-family residential | 15,061 |  |  | — |  |  | 324 |  |  | — |  |  | — |  |  | 15,385 |
Pool 3 - Multi-family | 51 |  |  | — |  |  | 440 |  |  | — |  |  | — |  |  | 491 |
Pool 4 - HELOC & other consumer | 2,772 |  |  | — |  |  | 1,167 |  |  | — |  |  | — |  |  | 3,939 |
Pool 5 - Commercial real estate | 33,543 |  |  | 692 |  |  | 28,437 |  |  | — |  |  | — |  |  | 62,672 |
Pool 6 - Commercial & industrial | 3,125 |  |  | — |  |  | 3,793 |  |  | 517 |  |  | — |  |  | 7,435 |
| $ | 61,680 |  |  | $ | 692 |  |  | $ | 46,303 |  |  | $ | 517 |  |  | $ | — |  |  | 109,192 |
|  |  |  |  |  |  | Total covered loans |  | 192,637 |
|  |  |  |  |  |  |  |  | Discount |  | (28,916 | )
|  |  |  |  |  |  |  |  | Allowance |  | (2,243 | )
|  |  |  |  |  |  |  |  | Covered loans, net |  | $ | 161,478 |
September 30, 2014 | Internally Assigned Grade |  | Total Net Loans
| Pass |  | Special mention |  | Substandard |  | Doubtful |  | Loss |
| (In thousands)
Purchased non credit-impaired loans: |  |  |  |  |  |  |  |  |  |  |
Single-family residential | $ | 21,311 |  |  | $ | — |  |  | $ | 1,756 |  |  | $ | — |  |  | $ | — |  |  | $ | 23,067 |
Land - acquisition & development | 972 |  |  | — |  |  | 392 |  |  | — |  |  | — |  |  | 1,364 |
Land - consumer lot loans | 73 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 73 |
Multi-family | 6,598 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 6,598 |
Commercial real estate | 26,940 |  |  | 115 |  |  | 24,281 |  |  | — |  |  | — |  |  | 51,336 |
Commercial & industrial | 2,801 |  |  | — |  |  | 2,691 |  |  | — |  |  | — |  |  | 5,492 |
HELOC | 11,777 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 11,777 |
Consumer | 454 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 454 |
| 70,926 |  |  | 115 |  |  | 29,120 |  |  | — |  |  | — |  |  | 100,161 |
Total grade as a % of total net loans | 70.8 | % |  | 0.1 | % |  | 29.1 | % |  | — | % |  | — | % |  |
Purchased credit-impaired loans: |  |  |  |  |  |  |  |
Pool 1 - Construction and land A&D | 8,349 |  |  | — |  |  | 11,912 |  |  | — |  |  | — |  |  | 20,261 |
Pool 2 - Single-family residential | 15,585 |  |  | — |  |  | 379 |  |  | — |  |  | — |  |  | 15,964 |
Pool 3 - Multi-family | 52 |  |  | — |  |  | 471 |  |  | — |  |  | — |  |  | 523 |
Pool 4 - HELOC & other consumer | 2,804 |  |  | — |  |  | 1,173 |  |  | — |  |  | — |  |  | 3,977 |
Pool 5 - Commercial real estate | 33,909 |  |  | 700 |  |  | 29,782 |  |  | — |  |  | — |  |  | 64,391 |
Pool 6 - Commercial & industrial | 3,509 |  |  | — |  |  | 3,892 |  |  | 525 |  |  | — |  |  | 7,926 |
| $ | 64,208 |  |  | $ | 700 |  |  | $ | 47,609 |  |  | $ | 525 |  |  | $ | — |  |  | 113,042 |
|  |  |  |  |  |  | Total covered loans |  | 213,203 |
|  |  |  |  |  |  |  |  | Discount |  | (34,483 | )
|  |  |  |  |  |  |  |  | Allowance |  | (2,244 | )
|  |  |  |  |  |  |  |  | Covered loans, net |  | $ | 176,476 |

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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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