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Allowance for Losses on Loans (Tables) | 12 Months Ended
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Sep. 30, 2017
Receivables [Abstract] |
Summary of activity in allowance for loan losses | The following tables summarize the activity in the allowance for loan losses.
Twelve Months Ended September 30, 2017 | Beginning Allowance |  | Charge-offs |  | Recoveries |  | Provision & Transfers |  | Ending Allowance
| (In thousands)
Single-family residential | $ | 37,796 |  |  | $ | (1,229 | ) |  | $ | 653 |  |  | $ | (328 | ) |  | $ | 36,892 |
Construction | 19,838 |  |  | — |  |  | — |  |  | 4,718 |  |  | 24,556 |
Construction - custom | 1,080 |  |  | (16 | ) |  | — |  |  | 880 |  |  | 1,944 |
Land - acquisition & development | 6,023 |  |  | (280 | ) |  | 11,038 |  |  | (9,952 | ) |  | 6,829 |
Land - consumer lot loans | 2,535 |  |  | (17 | ) |  | 481 |  |  | (350 | ) |  | 2,649 |
Multi-family | 6,925 |  |  | — |  |  | — |  |  | 937 |  |  | 7,862 |
Commercial real estate | 8,588 |  |  | (11 | ) |  | 1,684 |  |  | 1,557 |  |  | 11,818 |
Commercial & industrial | 28,008 |  |  | (173 | ) |  | 1,833 |  |  | (1,144 | ) |  | 28,524 |
HELOC | 813 |  |  | (90 | ) |  | 21 |  |  | 111 |  |  | 855 |
Consumer | 1,888 |  |  | (884 | ) |  | 1,297 |  |  | (1,157 | ) |  | 1,144 |
| $ | 113,494 |  |  | $ | (2,700 | ) |  | $ | 17,007 |  |  | $ | (4,728 | ) |  | $ | 123,073 |
Twelve Months Ended September 30, 2016 | Beginning Allowance |  | Charge-offs |  | Recoveries |  | Provision & Transfers |  | Ending Allowance
| (In thousands)
Single-family residential | $ | 47,347 |  |  | $ | (3,106 | ) |  | $ | 3,251 |  |  | $ | (9,696 | ) |  | $ | 37,796 |
Construction | 6,680 |  |  | — |  |  | 745 |  |  | 12,413 |  |  | 19,838 |
Construction - custom | 990 |  |  | (60 | ) |  | 60 |  |  | 90 |  |  | 1,080 |
Land - acquisition & development | 5,781 |  |  | (42 | ) |  | 8,220 |  |  | (7,936 | ) |  | 6,023 |
Land - consumer lot loans | 2,946 |  |  | (732 | ) |  | 5 |  |  | 316 |  |  | 2,535 |
Multi-family | 5,304 |  |  | — |  |  | — |  |  | 1,621 |  |  | 6,925 |
Commercial real estate | 8,960 |  |  | (103 | ) |  | 1,812 |  |  | (2,081 | ) |  | 8,588 |
Commercial & industrial | 24,980 |  |  | (941 | ) |  | 2,933 |  |  | 1,036 |  |  | 28,008 |
HELOC | 902 |  |  | (54 | ) |  | 21 |  |  | (56 | ) |  | 813 |
Consumer | 2,939 |  |  | (962 | ) |  | 2,018 |  |  | (2,107 | ) |  | 1,888 |
| $ | 106,829 |  |  | $ | (6,000 | ) |  | $ | 19,065 |  |  | $ | (6,400 | ) |  | $ | 113,494 |
Summary of loans collectively and individually evaluated for impairment and related allocation of reserves | The following tables show a summary of loans collectively and individually evaluated for impairment and the related allocation of general and specific reserves.
September 30, 2017 | Loans Collectively Evaluated for Impairment |  | Loans Individually Evaluated for Impairment
| General Reserve Allocation |  | Recorded Investment of Loans |  | Ratio |  | Specific Reserve Allocation |  | Recorded Investment of Loans |  | Ratio
| (In thousands) |  |  |  | (In thousands)
Single-family residential | $ | 36,893 |  |  | $ | 5,713,576 |  |  | 0.7 | % |  | $ | — |  |  | $ | 5,552 |  |  | — | %
Construction | 24,556 |  |  | 793,958 |  |  | 3.1 |  |  | — |  |  | — |  |  | — |
Construction - custom | 1,944 |  |  | 277,495 |  |  | 0.7 |  |  | — |  |  | 105 |  |  | — |
Land - acquisition & development | 6,828 |  |  | 104,767 |  |  | 6.5 |  |  | 1 |  |  | 89 |  |  | 1.0 |
Land - consumer lot loans | 2,649 |  |  | 96,337 |  |  | 2.8 |  |  | — |  |  | 171 |  |  | — |
Multi-family | 7,857 |  |  | 1,302,625 |  |  | 0.6 |  |  | 5 |  |  | 493 |  |  | 1.0 |
Commercial real estate | 11,697 |  |  | 1,391,668 |  |  | 0.8 |  |  | 120 |  |  | 21,765 |  |  | 0.6 |
Commercial & industrial | 28,524 |  |  | 1,093,210 |  |  | 2.6 |  |  | — |  |  | 81 |  |  | — |
HELOC | 855 |  |  | 141,689 |  |  | 0.6 |  |  | — |  |  | 215 |  |  | — |
Consumer | 1,144 |  |  | 84,887 |  |  | 1.4 |  |  | — |  |  | 82 |  |  | — |
| $ | 122,947 |  |  | $ | 11,000,212 |  |  | 1.1 | % |  | $ | 126 |  |  | $ | 28,553 |  |  | 0.4 | %
September 30, 2016 | Loans Collectively Evaluated for Impairment |  | Loans Individually Evaluated for Impairment
| General Reserve Allocation |  | Recorded Investment of Loans |  | Ratio |  | Specific Reserve Allocation |  | Recorded Investment of Loans |  | Ratio
| (In thousands) |  |  |  | (In thousands)
Single-family residential | $ | 37,536 |  |  | $ | 5,585,912 |  |  | 0.7 | % |  | $ | 260 |  |  | $ | 19,629 |  |  | 1.3 | %
Construction | 19,838 |  |  | 498,450 |  |  | 4.0 |  |  | — |  |  | — |  |  | — |
Construction - custom | 1,080 |  |  | 229,298 |  |  | 0.5 |  |  | — |  |  | 330 |  |  | — |
Land - acquisition & development | 6,022 |  |  | 90,850 |  |  | 6.6 |  |  | 2 |  |  | 850 |  |  | 0.2 |
Land - consumer lot loans | 2,535 |  |  | 92,828 |  |  | 2.7 |  |  | — |  |  | 558 |  |  | — |
Multi-family | 6,911 |  |  | 1,091,974 |  |  | 0.6 |  |  | 13 |  |  | 1,505 |  |  | 0.9 |
Commercial real estate | 8,497 |  |  | 957,380 |  |  | 0.9 |  |  | 91 |  |  | 11,157 |  |  | 0.8 |
Commercial & industrial | 28,008 |  |  | 966,930 |  |  | 2.9 |  |  | — |  |  | — |  |  | — |
HELOC | 813 |  |  | 133,203 |  |  | 0.6 |  |  | — |  |  | 239 |  |  | — |
Consumer | 1,888 |  |  | 137,315 |  |  | 1.4 |  |  | — |  |  | 3 |  |  | — |
| $ | 113,128 |  |  | $ | 9,784,140 |  |  | 1.2 | % |  | $ | 366 |  |  | $ | 34,271 |  |  | 1.1 | %
Summary of loans based on credit quality indicators | The following tables provide information on loans based on credit quality indicators (defined above).
September 30, 2017 | Internally Assigned Grade |  | Total
| Pass |  | Special mention |  | Substandard |  | Doubtful |  | Loss |  | Gross Loans
| (In thousands)
Loan type |  |  |  |  |  |  |  |  |  |  |
Single-family residential | $ | 5,671,229 |  |  | $ | — |  |  | $ | 39,775 |  |  | $ | — |  |  | $ | — |  |  | $ | 5,711,004 |
Construction | 1,594,926 |  |  | — |  |  | 3,070 |  |  | — |  |  | — |  |  | 1,597,996 |
Construction - custom | 602,540 |  |  | — |  |  | 91 |  |  | — |  |  | — |  |  | 602,631 |
Land - acquisition & development | 123,028 |  |  | 207 |  |  | 1,073 |  |  | — |  |  | — |  |  | 124,308 |
Land - consumer lot loans | 103,787 |  |  | — |  |  | 618 |  |  | — |  |  | — |  |  | 104,405 |
Multi-family | 1,295,261 |  |  | 5,795 |  |  | 2,092 |  |  | — |  |  | — |  |  | 1,303,148 |
Commercial real estate | 1,391,996 |  |  | 5,944 |  |  | 36,670 |  |  | — |  |  | — |  |  | 1,434,610 |
Commercial & industrial | 1,054,972 |  |  | 14,814 |  |  | 23,574 |  |  | — |  |  | — |  |  | 1,093,360 |
HELOC | 144,229 |  |  | — |  |  | 621 |  |  | — |  |  | — |  |  | 144,850 |
Consumer | 84,984 |  |  | — |  |  | 91 |  |  | — |  |  | — |  |  | 85,075 |
Total gross loans | $ | 12,066,952 |  |  | $ | 26,760 |  |  | $ | 107,675 |  |  | $ | — |  |  | $ | — |  |  | $ | 12,201,387 |
Total grade as a % of total gross loans | 98.9 | % |  | 0.2 | % |  | 0.9 | % |  | — | % |  | — | % |  |
September 30, 2016 | Internally Assigned Grade |  | Total
| Pass |  | Special mention |  | Substandard |  | Doubtful |  | Loss |  | Gross Loans
| (In thousands)
Loan type |  |  |  |  |  |  |  |  |  |  |
Single-family residential | $ | 5,607,521 |  |  | $ | — |  |  | $ | 51,309 |  |  | $ | — |  |  | $ | — |  |  | $ | 5,658,830 |
Construction | 1,098,549 |  |  | 8,595 |  |  | 3,267 |  |  | — |  |  | — |  |  | 1,110,411 |
Construction - custom | 473,069 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 473,069 |
Land - acquisition & development | 111,225 |  |  | — |  |  | 7,272 |  |  | — |  |  | — |  |  | 118,497 |
Land - consumer lot loans | 103,528 |  |  | — |  |  | 1,039 |  |  | — |  |  | — |  |  | 104,567 |
Multi-family | 1,117,437 |  |  | 3,237 |  |  | 3,616 |  |  | — |  |  | — |  |  | 1,124,290 |
Commercial real estate | 1,033,880 |  |  | 13,446 |  |  | 46,313 |  |  | — |  |  | — |  |  | 1,093,639 |
Commercial & industrial | 930,776 |  |  | 7,207 |  |  | 40,606 |  |  | — |  |  | — |  |  | 978,589 |
HELOC | 149,195 |  |  | — |  |  | 521 |  |  | — |  |  | — |  |  | 149,716 |
Consumer | 138,917 |  |  | — |  |  | 83 |  |  | — |  |  | — |  |  | 139,000 |
Total gross loans | $ | 10,764,097 |  |  | $ | 32,485 |  |  | $ | 154,026 |  |  | $ | — |  |  | $ | — |  |  | $ | 10,950,608 |
Total grade as a % of total gross loans | 98.3 | % |  | 0.3 | % |  | 1.4 | % |  | — | % |  | — | % |  |
Schedule of credit risk profile by payment activity | The following tables provide information on loans based on payment activity.
September 30, 2017 | Performing Loans |  | Non-Performing Loans
| Amount |  | % of Total Gross Loans |  | Amount |  | % of Total Gross Loans
| (In thousands) |  | (In thousands)
Single-family residential | $ | 5,683,074 |  |  | 99.5 | % |  | $ | 27,930 |  |  | 0.5 | %
Construction | 1,597,996 |  |  | 100.0 |  |  | — |  |  | — |
Construction - custom | 602,540 |  |  | 99.9 |  |  | 91 |  |  | 0.1 |
Land - acquisition & development | 124,012 |  |  | 99.8 |  |  | 296 |  |  | 0.2 |
Land - consumer lot loans | 103,800 |  |  | 99.4 |  |  | 605 |  |  | 0.6 |
Multi-family | 1,303,009 |  |  | 99.9 |  |  | 139 |  |  | 0.1 |
Commercial real estate | 1,422,795 |  |  | 99.2 |  |  | 11,815 |  |  | 0.8 |
Commercial & industrial | 1,085,278 |  |  | 99.3 |  |  | 8,082 |  |  | 0.7 |
HELOC | 144,319 |  |  | 99.6 |  |  | 531 |  |  | 0.4 |
Consumer | 84,984 |  |  | 99.9 |  |  | 91 |  |  | 0.1 |
| $ | 12,151,807 |  |  | 99.6 | % |  | $ | 49,580 |  |  | 0.4 | %
September 30, 2016 | Performing Loans |  | Non-Performing Loans
| Amount |  | % of Total Gross Loans |  | Amount |  | % of Total Gross Loans
| (In thousands) |  | (In thousands)
Single-family residential | $ | 5,625,682 |  |  | 99.4 | % |  | $ | 33,148 |  |  | 0.6 | %
Construction | 1,110,411 |  |  | 100.0 |  |  | — |  |  | — |
Construction - custom | 473,069 |  |  | 100.0 |  |  | — |  |  | — |
Land - acquisition & development | 118,439 |  |  | 99.9 |  |  | 58 |  |  | 0.1 |
Land - consumer lot loans | 104,057 |  |  | 99.5 |  |  | 510 |  |  | 0.5 |
Multi-family | 1,123,583 |  |  | 99.9 |  |  | 776 |  |  | 0.1 |
Commercial real estate | 1,086,470 |  |  | 99.3 |  |  | 7,100 |  |  | 0.7 |
Commercial & industrial | 978,006 |  |  | 99.9 |  |  | 583 |  |  | 0.1 |
HELOC | 149,477 |  |  | 99.8 |  |  | 239 |  |  | 0.2 |
Consumer | 139,000 |  |  | 100.0 |  |  | — |  |  | — |
| $ | 10,908,194 |  |  | 99.6 | % |  | $ | 42,414 |  |  | 0.4 | %
Summary of impaired loans based on type | The following tables provide information on impaired loans by loan category.
September 30, 2017 | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment
| (In thousands)
Impaired loans with no related allowance recorded: |  |  |  |  |  |  |
Single-family residential | $ | 21,325 |  |  | $ | 23,880 |  |  | $ | — |  |  | $ | 19,371 |
Construction | — |  |  | — |  |  | — |  |  | — |
Construction - custom | 148 |  |  | 165 |  |  | — |  |  | 231 |
Land - acquisition & development | 330 |  |  | 8,208 |  |  | — |  |  | 176 |
Land - consumer lot loans | 208 |  |  | 330 |  |  | — |  |  | 431 |
Multi-family | 139 |  |  | 3,231 |  |  | — |  |  | 748 |
Commercial real estate | 12,890 |  |  | 22,487 |  |  | — |  |  | 11,466 |
Commercial & industrial | 8,279 |  |  | 14,321 |  |  | — |  |  | 7,425 |
HELOC | 490 |  |  | 1,212 |  |  | — |  |  | 487 |
Consumer | 88 |  |  | 1,433 |  |  | — |  |  | 57 |
| 43,897 |  |  | 75,267 |  |  | — |  |  | 40,392 |
Impaired loans with an allowance recorded: |  |  |  |  |  |  |
Single-family residential | 181,941 |  |  | 186,167 |  |  | 4,030 |  |  | 204,723 |
Construction | — |  |  | — |  |  | — |  |  | — |
Construction - custom | — |  |  | — |  |  | — |  |  | — |
Land - acquisition & development | 90 |  |  | 90 |  |  | 1 |  |  | 576 |
Land - consumer lot loans | 7,949 |  |  | 8,526 |  |  | — |  |  | 8,976 |
Multi-family | 493 |  |  | 493 |  |  | 5 |  |  | 1,024 |
Commercial real estate | 15,079 |  |  | 16,707 |  |  | 120 |  |  | 16,991 |
Commercial & industrial | — |  |  | — |  |  | — |  |  | 297 |
HELOC | 1,728 |  |  | 1,806 |  |  | — |  |  | 1,451 |
Consumer | 97 |  |  | 284 |  |  | — |  |  | 100 |
| 207,377 |  |  | 214,073 |  |  | 4,156 |  | (1) | 234,138 |
Total: |  |  |  |  |  |  |
Single-family residential | 203,266 |  |  | 210,047 |  |  | 4,030 |  |  | 224,094 |
Construction | — |  |  | — |  |  | — |  |  | — |
Construction - custom | 148 |  |  | 165 |  |  | — |  |  | 231 |
Land - acquisition & development | 420 |  |  | 8,298 |  |  | 1 |  |  | 752 |
Land - consumer lot loans | 8,157 |  |  | 8,856 |  |  | — |  |  | 9,407 |
Multi-family | 632 |  |  | 3,724 |  |  | 5 |  |  | 1,772 |
Commercial real estate | 27,969 |  |  | 39,194 |  |  | 120 |  |  | 28,457 |
Commercial & industrial | 8,279 |  |  | 14,321 |  |  | — |  |  | 7,722 |
HELOC | 2,218 |  |  | 3,018 |  |  | — |  |  | 1,938 |
Consumer | 185 |  |  | 1,717 |  |  | — |  |  | 157 |
| $ | 251,274 |  |  | $ | 289,340 |  |  | $ | 4,156 |  | (1) | $ | 274,530 |
____________________
(1) | Includes $126,000 of specific reserves and $4,030,000 included in the general reserves.
September 30, 2016 | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment (2)
| (In thousands)
Impaired loans with no related allowance recorded: |  |  |  |  |  |  |
Single-family residential | $ | 9,627 |  |  | $ | 11,366 |  |  | $ | — |  |  | $ | 12,618 |
Construction | — |  |  | — |  |  | — |  |  | 91 |
Construction - custom | — |  |  | — |  |  | — |  |  | 603 |
Land - acquisition & development | 138 |  |  | 9,001 |  |  | — |  |  | 720 |
Land - consumer lot loans | 499 |  |  | 609 |  |  | — |  |  | 587 |
Multi-family | 394 |  |  | 3,972 |  |  | — |  |  | 1,279 |
Commercial real estate | 11,741 |  |  | 21,301 |  |  | — |  |  | 7,994 |
Commercial & industrial | 1,030 |  |  | 3,082 |  |  | — |  |  | 1,205 |
HELOC | 209 |  |  | 315 |  |  | — |  |  | 392 |
Consumer | 74 |  |  | 550 |  |  | — |  |  | 236 |
| 23,712 |  |  | 50,196 |  |  | — |  |  | 25,725 |
Impaired loans with an allowance recorded: |  |  |  |  |  |  |
Single-family residential | 228,186 |  |  | 232,595 |  |  | 3,809 |  |  | 238,187 |
Construction | — |  |  | — |  |  | — |  |  | 998 |
Construction - custom | — |  |  | — |  |  | — |  |  | — |
Land - acquisition & development | 1,154 |  |  | 2,094 |  |  | 1 |  |  | 1,765 |
Land - consumer lot loans | 9,630 |  |  | 10,678 |  |  | 1 |  |  | 10,330 |
Multi-family | 1,505 |  |  | 1,505 |  |  | 13 |  |  | 2,159 |
Commercial real estate | 19,434 |  |  | 22,848 |  |  | 91 |  |  | 20,998 |
Commercial & industrial | — |  |  | — |  |  | — |  |  | — |
HELOC | 1,506 |  |  | 1,521 |  |  | — |  |  | 1,423 |
Consumer | 116 |  |  | 306 |  |  | — |  |  | 100 |
| 261,531 |  |  | 271,547 |  |  | 3,915 |  | (1) | 275,960 |
Total: |  |  |  |  |  |  |
Single-family residential | 237,813 |  |  | 243,961 |  |  | 3,809 |  |  | 250,805 |
Construction | — |  |  | — |  |  | — |  |  | 1,089 |
Construction - custom | — |  |  | — |  |  | — |  |  | 603 |
Land - acquisition & development | 1,292 |  |  | 11,095 |  |  | 1 |  |  | 2,485 |
Land - consumer lot loans | 10,129 |  |  | 11,287 |  |  | 1 |  |  | 10,917 |
Multi-family | 1,899 |  |  | 5,477 |  |  | 13 |  |  | 3,438 |
Commercial real estate | 31,175 |  |  | 44,149 |  |  | 91 |  |  | 28,992 |
Commercial & industrial | 1,030 |  |  | 3,082 |  |  | — |  |  | 1,205 |
HELOC | 1,715 |  |  | 1,836 |  |  | — |  |  | 1,815 |
Consumer | 190 |  |  | 856 |  |  | — |  |  | 336 |
| $ | 285,243 |  |  | $ | 321,743 |  |  | $ | 3,915 |  | (1) | $ | 301,685 |
____________________
(1) | Includes $366,000 of specific reserves and $3,549,000 included in the general reserves.
(2) | The average recorded investment changed from $265,771,000, as previously disclosed, to $301,685,000 in order to correct for an immaterial error in the previous year's disclosure.

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- Definition Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953423-111524 + Details
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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 55 -Paragraph 19 -URI http://asc.fasb.org/extlink&oid=82894031&loc=SL6953803-111525 Reference 2: 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=84173941&loc=SL6953659-111524 + 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=84173941&loc=d3e5212-111524 + Details
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- Definition Schedule of Credit Risk Profile by Payment Activity [Table Text Block] + References No definition available. + Details
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- Definition Schedule of Loans Collectively and Individually Evaluated for Impairment [Table Text Block] + References No definition available. + Details
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