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Allowance for Losses on Loans | 12 Months Ended
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Sep. 30, 2017
Receivables [Abstract] |
Allowance for Losses on Loans | ALLOWANCE FOR LOSSES ON LOANS 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 |
The Company recorded a release of allowance for loan losses of $2,100,000 during the year ended September 30, 2017, as compared to a release of $6,400,000 for the year ended September 30, 2016. The credit quality of the portfolio has continued to improve and economic conditions remain relatively stable. The Company had recoveries, net of charge-offs, of $14,307,000 for the year ended September 30, 2017, compared with net recoveries of $13,065,000 for the year ended September 30, 2016. A loan is charged-off when the loss is estimable and it is confirmed that the borrower is not expected to be able to meet its contractual obligations. Non-accrual loans increased to $49,580,000 as of September 30, 2017, from $42,414,000 as of September 30, 2016. Non-performing assets (“NPAs”) totaled $70,238,000, or 0.46% of total assets, at September 30, 2017, compared to $71,441,000, or 0.48% of total assets, as of September 30, 2016. At September 30, 2017, $122,947,000 of the allowance was calculated under the formulas contained in our general allowance methodology and the remaining $126,000 represents specific reserves on loans that were deemed to be impaired. 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 | %
The Company has an asset quality review function that analyzes the loan portfolio and reports the results of the review to the Board of Directors on a quarterly basis. The single-family residential, HELOC and consumer portfolios are evaluated based on their performance as a pool of loans, since no single loan is individually significant or judged by its risk rating, size or potential risk of loss. The construction, land, multi-family, commercial real estate and commercial and industrial loans are risk rated on a loan by loan basis to determine the relative risk inherent in specific borrowers or loans. Based on that risk rating, the loans are assigned a grade and classified as follows:
• | Pass – the credit does not meet one of the definitions defined below.
• | Special mention – A special mention credit is considered to be currently protected from loss but is potentially weak. No loss of principal or interest is foreseen; however, proper supervision and management attention is required to deter further deterioration in the credit. Assets in this category constitute some undue and unwarranted credit risk but not to the point of justifying a risk rating of substandard. The credit risk may be relatively minor yet constitutes an unwarranted risk in light of the circumstances surrounding a specific asset.
• | Substandard – A substandard credit is an unacceptable credit. Additionally, repayment in the normal course is in jeopardy due to the existence of one or more well-defined weaknesses. In these situations, loss of principal is likely if the weakness is not corrected. A substandard asset is inadequately protected by the current sound worth and paying capacity of the borrower or of the collateral pledged, if any. Assets so classified will have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. Loss potential, while existing in the aggregate amount of substandard assets, does not have to exist in individual assets risk rated substandard.
• | Doubtful – A credit classified doubtful has all the weaknesses inherent in one classified substandard with the added characteristic that the weakness makes collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. The probability of loss is high, but because of certain important and reasonably specific pending factors that may work to the advantage and strengthening of the asset, its classification as an estimated loss is deferred until its more exact status may be determined. Pending factors include proposed merger, acquisition, or liquidation procedures, capital injection, perfecting liens on additional collateral and refinancing plans.
• | Loss – Credits classified loss are considered uncollectible and of such little value that their continuance as a bankable asset is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this asset even though partial recovery may be affected in the future. Losses should be taken in the period in which they are identified as uncollectible. Partial charge-off versus full charge-off may be taken if the collateral offers some identifiable protection.
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 | % |  | — | % |  | — | % |  |
The balance of loans internally graded as 'substandard' above includes $20,224,000 as of September 30, 2017, and $35,910,000 as of September 30, 2016 of acquired loans and covered loans. 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 | %
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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