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Loans Receivable (Tables) | 12 Months Ended
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Sep. 30, 2016
Receivables [Abstract] |
Schedule of loans receivable (excluding covered loans) | The following table is a summary of loans receivable.
| September 30, 2016 |  | September 30, 2015
| (In thousands) |  | (In thousands)
Non-Acquired loans |  |  |  |  |
Single-family residential | $ | 5,621,066 |  | 51.3 | % |  | $ | 5,651,845 |  | 57.5 | %
Construction | 1,110,411 |  | 10.1 |  |  | 200,509 |  | 2.0 |
Construction - custom | 473,069 |  | 4.3 |  |  | 396,307 |  | 4.0 |
Land - acquisition & development | 116,156 |  | 1.1 |  |  | 94,208 |  | 1.0 |
Land - consumer lot loans | 101,853 |  | 0.9 |  |  | 103,989 |  | 1.1 |
Multi-family | 1,118,801 |  | 10.2 |  |  | 1,125,722 |  | 11.5 |
Commercial real estate | 956,164 |  | 8.7 |  |  | 986,270 |  | 10.0 |
Commercial & industrial | 946,648 |  | 8.6 |  |  | 612,836 |  | 6.2 |
HELOC | 134,785 |  | 1.2 |  |  | 127,646 |  | 1.3 |
Consumer | 137,450 |  | 1.3 |  |  | 194,655 |  | 2.0 |
Total non-acquired loans | 10,716,403 |  | 97.9 | % |  | 9,493,987 |  | 96.6 | %
Acquired loans | 115,394 |  | 1.1 |  |  | 166,293 |  | 1.7 |
Credit impaired acquired loans | 89,837 |  | 0.8 |  |  | 87,081 |  | 0.9 |
Covered loans | 28,974 |  | 0.3 |  |  | 75,909 |  | 0.8 |
Total gross loans | 10,950,608 |  | 100 | % |  | 9,823,270 |  | 100 | %
Less: |  |  |  |  |
Allowance for probable losses | 113,494 |  |  |  | 106,829 |  |
Loans in process | 879,484 |  |  |  | 476,796 |  |
Discount on acquired loans | 11,306 |  |  |  | 30,095 |  |
Deferred net origination fees | 35,404 |  |  |  | 38,916 |  |
Total loan contra accounts | 1,039,688 |  |  |  | 652,636 |  |
Net Loans | $ | 9,910,920 |  |  |  | $ | 9,170,634 |  |
Schedule of fixed and adjustable rate loans | The following summary breaks down the Company's fixed rate and adjustable rate loans by time to maturity or to rate adjustment.
September 30, 2016
Fixed-Rate |  | Adjustable-Rate
Term To Maturity | Gross Loans |  | Term To Rate Adjustment | Gross Loans
| (In thousands) |  |  | (In thousands)
Within 1 year | $ | 29,428 |  |  | Less than 1 year | $ | 1,362,480 |
1 to 3 years | 326,859 |  |  | 1 to 3 years | 1,457,584 |
3 to 5 years | 192,202 |  |  | 3 to 5 years | 552,402 |
5 to 10 years | 693,099 |  |  | 5 to 10 years | 625,852 |
10 to 20 years | 1,020,654 |  |  | 10 to 20 years | — |
Over 20 years | 4,690,048 |  |  | Over 20 years | — |
| $ | 6,952,290 |  |  |  | $ | 3,998,318 |
Schedule of loans receivable by geographic area | The following tables provide information regarding loans receivable by loan category and geography.
September 30, 2016 | Single - family residential | Multi- family | Land - A & D | Land - lot loans | Construction - custom | Construction | Commercial real estate | Commercial and industrial | Consumer | HELOC | Total
| (In thousands)
Washington | $ | 2,926,555 |  | $ | 287,999 |  | $ | 74,017 |  | $ | 59,371 |  | $ | 277,877 |  | $ | 470,720 |  | $ | 482,802 |  | $ | 500,540 |  | $ | 41,212 |  | $ | 88,681 |  | $ | 5,209,774 |
Oregon | 664,932 |  | 332,311 |  | 10,953 |  | 12,403 |  | 52,709 |  | 122,958 |  | 171,093 |  | 203,377 |  | 3,152 |  | 13,711 |  | 1,587,599 |
Arizona | 546,080 |  | 292,830 |  | 4,142 |  | 9,014 |  | 45,536 |  | 43,300 |  | 38,302 |  | 47,584 |  | 309 |  | 15,838 |  | 1,042,935 |
Other | 216,902 |  | 2,448 |  | 443 |  | 11,157 |  | 11,228 |  | 110,843 |  | 277,438 |  | 94,215 |  | 91,874 |  | 1,030 |  | 817,578 |
Utah | 474,390 |  | 47,374 |  | 958 |  | 3,448 |  | 33,036 |  | 143,246 |  | 11,499 |  | 46,497 |  | 39 |  | 7,573 |  | 768,060 |
Idaho | 284,212 |  | 33,043 |  | 4,761 |  | 3,910 |  | 17,120 |  | 64,510 |  | 34,075 |  | 16,627 |  | 141 |  | 6,973 |  | 465,372 |
New Mexico | 186,061 |  | 97,699 |  | 12,417 |  | 1,274 |  | 18,128 |  | 47,763 |  | 68,385 |  | 10,860 |  | 1,110 |  | 13,790 |  | 457,487 |
Texas | 202,541 |  | 29,458 |  | 10,806 |  | 979 |  | 10,610 |  | 107,071 |  | 6,151 |  | 42,594 |  | 1,085 |  | 305 |  | 411,600 |
Nevada | 157,154 |  | 1,127 |  | — |  | 3,012 |  | 6,825 |  | — |  | 3,894 |  | 16,295 |  | 80 |  | 1,816 |  | 190,203 |
| $ | 5,658,827 |  | $ | 1,124,289 |  | $ | 118,497 |  | $ | 104,568 |  | $ | 473,069 |  | $ | 1,110,411 |  | $ | 1,093,639 |  | $ | 978,589 |  | $ | 139,002 |  | $ | 149,717 |  | $ | 10,950,608 |
Percentage by geographic area
September 30, 2016 | Single - family residential | Multi- family | Land - A & D | Land - lot loans | Construction - custom | Construction | Commercial real estate | Commercial and industrial | Consumer | HELOC | Total
| As % of total gross loans
Washington | 26.8 | % | 2.6 | % | 0.7 | % | 0.5 | % | 2.5 | % | 4.3 | % | 4.4 | % | 4.6 | % | 0.4 | % | 0.8 | % | 47.6 | %
Oregon | 6.1 |  | 3.0 |  | 0.1 |  | 0.1 |  | 0.5 |  | 1.1 |  | 1.6 |  | 1.9 |  | — |  | 0.1 |  | 14.5 |
Arizona | 5.0 |  | 2.7 |  | — |  | 0.1 |  | 0.4 |  | 0.4 |  | 0.3 |  | 0.4 |  | — |  | 0.2 |  | 9.5 |
Other | 2.0 |  | — |  | — |  | 0.2 |  | 0.1 |  | 1.0 |  | 2.5 |  | 0.9 |  | 0.8 |  | — |  | 7.5 |
Utah | 4.3 |  | 0.5 |  | — |  | — |  | 0.3 |  | 1.3 |  | 0.1 |  | 0.4 |  | — |  | 0.1 |  | 7.0 |
Idaho | 2.5 |  | 0.3 |  | — |  | — |  | 0.2 |  | 0.6 |  | 0.3 |  | 0.2 |  | — |  | 0.1 |  | 4.2 |
New Mexico | 1.8 |  | 0.9 |  | 0.1 |  | — |  | 0.2 |  | 0.4 |  | 0.6 |  | 0.1 |  | — |  | 0.1 |  | 4.2 |
Texas | 1.8 |  | 0.3 |  | 0.1 |  | — |  | 0.1 |  | 1.0 |  | 0.1 |  | 0.4 |  | — |  | — |  | 3.8 |
Nevada | 1.4 |  | — |  | 0.1 |  | — |  | 0.1 |  | — |  | — |  | 0.1 |  | — |  | — |  | 1.7 |
| 51.7 | % | 10.3 | % | 1.1 | % | 0.9 | % | 4.4 | % | 10.1 | % | 9.9 | % | 9.0 | % | 1.2 | % | 1.4 | % | 100 | %
Percentage by geographic area as a % of each loan type
September 30, 2016 | Single - family residential | Multi- family | Land - A & D | Land - lot loans | Construction - custom | Construction | Commercial real estate | Commercial and industrial | Consumer | HELOC
| As % of total gross loans
Washington | 51.6 | % | 25.7 | % | 62.5 | % | 56.8 | % | 58.9 | % | 42.4 | % | 44.0 | % | 51.0 | % | 29.6 | % | 59.1 | %
Oregon | 11.8 |  | 29.6 |  | 9.2 |  | 11.9 |  | 11.1 |  | 11.1 |  | 15.6 |  | 20.8 |  | 2.3 |  | 9.2 |
Arizona | 9.7 |  | 26.0 |  | 3.5 |  | 8.6 |  | 9.6 |  | 3.9 |  | 3.5 |  | 4.9 |  | 0.2 |  | 10.6 |
Other | 3.8 |  | 0.2 |  | 0.4 |  | 10.7 |  | 2.4 |  | 10.0 |  | 25.4 |  | 9.6 |  | 66.1 |  | 0.7 |
Utah | 8.4 |  | 4.2 |  | 0.8 |  | 3.3 |  | 7.0 |  | 12.9 |  | 1.1 |  | 4.8 |  | — |  | 5.1 |
Idaho | 5.0 |  | 2.9 |  | 4.0 |  | 3.7 |  | 3.6 |  | 5.8 |  | 3.1 |  | 1.7 |  | 0.1 |  | 4.7 |
New Mexico | 3.3 |  | 8.7 |  | 10.5 |  | 1.2 |  | 3.8 |  | 4.3 |  | 6.3 |  | 1.1 |  | 0.8 |  | 9.2 |
Texas | 3.6 |  | 2.6 |  | 9.1 |  | 0.9 |  | 2.2 |  | 9.6 |  | 0.6 |  | 4.4 |  | 0.8 |  | 0.2 |
Nevada | 2.8 |  | 0.1 |  | — |  | 2.9 |  | 1.4 |  | — |  | 0.4 |  | 1.7 |  | 0.1 |  | 1.2 |
| 100.0 | % | 100 | % | 100 | % | 100 | % | 100 | % | 100 | % | 100 | % | 100 | % | 100 | % | 100 | %
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, 2016 |  | September 30, 2015
| (In thousands)
Recorded investment in impaired loans | $ | 285,243 |  |  | $ | 341,579 |
TDRs included in impaired loans | 261,531 |  |  | 302,713 |
Allocated reserves on impaired loans | 1,980 |  |  | 2,323 |
Specific reserves on impaired loans | 366 |  |  | 275 |
Average balance of impaired loans for year ended | 265,771 |  |  | 333,815 |
Interest income from impaired loans for year ended | 11,314 |  |  | 14,855 |
Outstanding fixed-rate origination commitments | 331,947 |  |  | 230,869 |
Gross loans serviced for others | 80,896 |  |  | 72,083 |
Non accrual loans held by the company | The following table sets forth information regarding non-accrual loans.
| September 30, 2016 |  | September 30, 2015
| (In thousands) |  | (In thousands)
Non-accrual loans: |  |  |  |  |  |  |
Single-family residential | $ | 33,148 |  |  | 78.2 | % |  | $ | 59,074 |  |  | 87.1 | %
Construction | — |  |  | — |  |  | 754 |  |  | 1.1 |
Construction - custom | — |  |  | — |  |  | 732 |  |  | 1.1 |
Land - acquisition & development | 58 |  |  | 0.1 |  |  | — |  |  | — |
Land - consumer lot loans | 510 |  |  | 1.2 |  |  | 1,273 |  |  | 1.9 |
Multi-family | 776 |  |  | 1.8 |  |  | 2,558 |  |  | 3.8 |
Commercial real estate | 7,100 |  |  | 16.7 |  |  | 2,176 |  |  | 3.2 |
Commercial & industrial | 583 |  |  | 1.4 |  |  | — |  |  | — |
HELOC | 239 |  |  | 0.6 |  |  | 563 |  |  | 0.8 |
Consumer | — |  |  | — |  |  | 680 |  |  | 1.0 |
Total non-accrual loans | $ | 42,414 |  |  | 100 | % |  | $ | 67,810 |  |  | 100 | %
Aging of past due loans | The following table breaks down delinquent loans by loan category and delinquency bucket.
September 30, 2016 | Amount of Loans |  | Days Delinquent Based on $ Amount of Loans |  | % based on $
Type of Loan | Net of Loans in Process |  | Current |  | 30 |  | 60 |  | 90 |  | Total |
| (In thousands) |  |
Non-acquired loans |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential | $ | 5,624,783 |  |  | $ | 5,574,384 |  |  | $ | 20,917 |  |  | $ | 5,173 |  |  | $ | 24,309 |  |  | $ | 50,399 |  |  | 0.90 | %
Construction | 497,393 |  |  | 497,393 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Construction - custom | 229,957 |  |  | 229,419 |  |  | 538 |  |  | — |  |  | — |  |  | 538 |  |  | 0.23 |
Land - acquisition & development | 88,662 |  |  | 88,662 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Land - consumer lot loans | 102,386 |  |  | 100,373 |  |  | 816 |  |  | 687 |  |  | 510 |  |  | 2,013 |  |  | 1.97 |
Multi-family | 1,119,042 |  |  | 1,117,453 |  |  | 1,190 |  |  | 399 |  |  | — |  |  | 1,589 |  |  | 0.14 |
Commercial real estate | 955,944 |  |  | 955,604 |  |  | — |  |  | 183 |  |  | 157 |  |  | 340 |  |  | 0.04 |
Commercial & industrial | 947,703 |  |  | 947,661 |  |  | — |  |  | 42 |  |  | — |  |  | 42 |  |  | — |
HELOC | 134,214 |  |  | 133,683 |  |  | 490 |  |  | — |  |  | 41 |  |  | 531 |  |  | 0.40 |
Consumer | 136,835 |  |  | 135,926 |  |  | 705 |  |  | 124 |  |  | 80 |  |  | 909 |  |  | 0.66 |
| 9,836,919 |  |  | 9,780,558 |  |  | 24,656 |  |  | 6,608 |  |  | 25,097 |  |  | 56,361 |  |  | 0.57 |
Acquired loans | 115,394 |  |  | 114,770 |  |  | 124 |  |  | 2 |  |  | 498 |  |  | 624 |  |  | 0.54 |
Credit impaired acquired loans | 89,837 |  |  | 84,625 |  |  | 227 |  |  | 142 |  |  | 4,843 |  |  | 5,212 |  |  | 5.80 |
Covered loans | 28,974 |  |  | 22,891 |  |  | — |  |  | 262 |  |  | 5,821 |  |  | 6,083 |  |  | 20.99 |
Total Loans | $ | 10,071,124 |  |  | $ | 10,002,844 |  |  | $ | 25,007 |  |  | $ | 7,014 |  |  | $ | 36,259 |  |  | $ | 68,280 |  |  | 0.68 | %
Delinquency % |  |  | 99.32% |  | 0.25% |  | 0.07% |  | 0.36% |  | 0.68% |  |
Schedule of loan modifications | The following table provides information related to loans that were modified in a TDR during the periods presented.
| Twelve Months Ended September 30, 2016 |  | Twelve Months Ended September 30, 2015
|  |  | 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 | 120 |  |  | $ | 23,541 |  |  | $ | 23,541 |  |  | 62 |  |  | $ | 13,378 |  |  | $ | 13,378 |
Construction | — |  |  | — |  |  | — |  |  | 2 |  |  | 701 |  |  | 701 |
Land - consumer lot loans | 10 |  |  | 970 |  |  | 970 |  |  | 9 |  |  | 1,546 |  |  | 1,546 |
Commercial real estate | 7 |  |  | 2,523 |  |  | 2,523 |  |  | 3 |  |  | 3,175 |  |  | 3,175 |
HELOC | 1 |  |  | 126 |  |  | 126 |  |  | 1 |  |  | 50 |  |  | 50 |
Consumer | 1 |  |  | 24 |  |  | 24 |  |  | 1 |  |  | 80 |  |  | 80 |
| 139 |  |  | $ | 27,184 |  |  | $ | 27,184 |  |  | 78 |  |  | $ | 18,930 |  |  | $ | 18,930 |
The following table provides information on payment defaults occurring during the periods presented where the loan had been modified in a TDR within 12 months of the payment default.
| Twelve Months Ended September 30, 2016 |  | Twelve Months Ended September 30, 2015
| Number of |  | Recorded |  | Number of |  | Recorded
TDRs That Subsequently Defaulted: | Contracts |  | Investment |  | Contracts |  | Investment
| (In thousands) |  | (In thousands)
Single-family residential | 17 |  |  | $ | 4,875 |  |  | 18 |  |  | $ | 2,917 |
Construction | 1 |  |  | 279 |  |  | — |  |  | — |
Land - consumer lot loans | 5 |  |  | 606 |  |  | 2 |  |  | 301 |
Commercial real estate | 2 |  |  | 326 |  |  | — |  |  | — |
| 25 |  |  | $ | 6,086 |  |  | 20 |  |  | $ | 3,218 |
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 including covered loans for the years ended September 30, 2016 and 2015.
| Twelve Months Ended September 30, 2016 |  | Twelve Months Ended September 30, 2015
| 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 | $ | 72,705 |  |  | $ | 111,300 |  |  | $ | 7,204 |  |  | $ | 187,080 |  |  | $ | 97,125 |  |  | $ | 135,826 |  |  | $ | 14,513 |  |  | $ | 275,862 |
Net reclassification from non-accretable | 4,867 |  |  | — |  |  | — |  |  | — |  |  | 6,307 |  |  | — |  |  | 346 |  |  | — |
Accretion | (18,730 | ) |  | 18,730 |  |  | (2,982 | ) |  | 2,982 |  |  | (30,727 | ) |  | 30,727 |  |  | (7,655 | ) |  | 7,655 |
Transfers to REO | — |  |  | (175 | ) |  | — |  |  | — |  |  | — |  |  | (2,975 | ) |  | — |  |  | (150 | )
Payments received, net | — |  |  | (38,094 | ) |  | — |  |  | (58,930 | ) |  | — |  |  | (52,278 | ) |  | — |  |  | (96,287 | )
Ending Balance | $ | 58,842 |  |  | $ | 91,761 |  |  | $ | 4,222 |  |  | $ | 131,132 |  |  | $ | 72,705 |  |  | $ | 111,300 |  |  | $ | 7,204 |  |  | $ | 187,080 |
Schedule of activity for FDIC indemnification asset | The following table shows the year to date activity for the FDIC indemnification asset.
| Twelve Months Ended September 30, 2016 |  | Twelve Months Ended September 30, 2015
| (In thousands)
Balance at beginning of year | $ | 16,275 |  |  | $ | 36,860 |
Additions and impairment | — |  |  | (1,795 | )
Payments received | (1,730 | ) |  | (720 | )
Amortization | (2,012 | ) |  | (18,588 | )
Accretion | 236 |  |  | 518 |
Balance at end of year | $ | 12,769 |  |  | $ | 16,275 |

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