UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
______________________________

FORM 10-Q
______________________________

QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934
 
For the quarterly period ended March 31, 2016
 
OR

TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934
 
For the transition period from   to
Commission File No. 001-34786
   
Oritani Financial Corp.
(Exact name of registrant as specified in its charter)
   

Delaware
 
30-0628335
(State or other jurisdiction of incorporation or organization)
 
(I.R.S. Employer Identification Number)
 
370 Pascack Road, Township of Washington, New Jersey 07676
(Address of Principal Executive Offices)
 
(201) 664-5400
(Registrant's telephone number)
 
N/A
(Former name or former address, if changed since last report)
   
 
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports) and (2) has been subject to such requirements for the past 90 days.
 
    YES      NO  
 
Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).
 
    YES      NO  
 
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a small reporting company. See definitions of "large accelerated filer," "accelerated filer" and "smaller reporting company" in Rule 12b-2 of the Exchange Act.

Large accelerated filer
 
 
Accelerated filer
 
Non-accelerated filer
 
  (Do not check if a smaller reporting company)
 
Smaller Reporting company
 
 
Indicate by check mark whether the Registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).
 
    YES      NO  
 
As of May 9, 2016, there were 56,245,065 shares of the Registrant's common stock, par value $0.01 per share, issued and 45,118,333 shares outstanding.

Oritani Financial Corp.
FORM 10-Q
 
Index

 
 
  
 
Part I. Financial Information
  Page
 
 
 
Item 1.
Financial Statements
3
 
 
 
 
Consolidated Balance Sheets as of March 31, 2016 (unaudited) and June 30, 2015
3
 
 
 
 
Consolidated Statements of Income for the Three and Nine Months Ended March 31, 2016 and 2015 (unaudited)
4
 
 
 
 
Consolidated Statements of Comprehensive Income for the Three and Nine Months Ended March 31, 2016 and 2015 (unaudited)
5
 
 
 
 
Consolidated Statements of Stockholders' Equity for the Nine Months Ended March 31, 2016 and 2015 (unaudited)
6
 
 
 
 
Consolidated Statements of Cash Flows for the Nine Months Ended March 31, 2016 and 2015 (unaudited)
7
 
 
 
 
Notes to Unaudited Consolidated Financial Statements
8
 
 
 
Item 2.
Management's Discussion and Analysis of Financial Condition and Results of Operations
30
 
 
 
Item 3.
Quantitative and Qualitative Disclosures About Market Risk
42
 
 
 
Item 4.
Controls and Procedures
43
 
 
 
 
Part II. Other Information
 
 
 
 
Item 1.
Legal Proceedings
44
 
 
 
Item 1A.
Risk Factors
44
 
 
 
Item 2.
Unregistered Sales of Equity Securities and Use of Proceeds
44
 
 
 
Item 3.
Defaults Upon Senior Securities
44
 
 
 
Item 4.
Mine Safety Disclosures
44
 
 
 
Item 5.
Other Information
44
 
 
 
Item 6.
Exhibits
45
 
 
 
 
Signature Page
46
 
Table of Contents
Part I. Financial Information
Item 1. Financial Statements
 
Oritani Financial Corp. and Subsidiaries
Consolidated Balance Sheets
(In thousands, except share data)

 
  
March 31, 2016
    
June 30, 2015
  
 
  
(unaudited)
    
(audited)
  
Assets
  
   
 
Cash on hand and in banks
  
$
9,454
    
$
11,380
  
Federal funds sold and short term investments
    
1,637
      
3,749
  
Cash and cash equivalents
    
11,091
      
15,129
  
Loans, net
    
3,017,736
      
2,756,212
  
Securities available for sale, at fair value
    
215,856
      
258,963
  
Securities held to maturity, fair value of $153,577 and $107,749, respectively.
    
152,029
      
107,990
  
Bank Owned Life Insurance (at cash surrender value)
    
92,653
      
90,609
  
Federal Home Loan Bank of New York stock ("FHLB"), at cost
    
36,712
      
39,898
  
Accrued interest receivable
    
9,906
      
9,266
  
Investments in real estate joint ventures, net
    
4,708
      
6,658
  
Real estate held for investment
    
—
      
655
  
Real estate owned
    
487
      
4,059
  
Office properties and equipment, net
    
14,489
      
14,431
  
Deferred tax assets, net
    
44,481
      
41,356
  
Other assets
    
3,226
      
7,839
  
Total Assets
  
$
3,603,374
    
$
3,353,065
  
Liabilities
                
Deposits
  
$
2,224,643
    
$
1,962,737
  
Borrowings
    
762,515
      
796,372
  
Advance payments by borrowers for taxes and insurance
    
22,612
      
20,445
  
Other liabilities
    
64,887
      
55,841
  
Total Liabilities
    
3,074,657
      
2,835,395
  
Stockholders' Equity
                
Common stock, $0.01 par value; 150,000,000 shares authorized; 56,245,065 shares issued;
45,066,727 shares outstanding at March 31, 2016 and 44,012,239 shares outstanding at June 30, 2015.
    
562
      
562
  
Additional paid-in capital
    
511,849
      
508,999
  
Restricted Stock Awards
    
(4,242
)
    
(8,088
)
Treasury stock, at cost; 11,178,338 shares at March 31, 2016 and 12,232,826 shares at June 30, 2015.
    
(148,574
)
    
(162,344
)
Unallocated common stock held by the employee stock ownership plan
    
(20,819
)
    
(22,803
)
Retained income
    
197,274
      
203,192
  
Accumulated other comprehensive loss, net of tax
    
(7,333
)
    
(1,848
)
Total Stockholders' Equity
    
528,717
      
517,670
  
Total Liabilities and Stockholders' Equity
  
$
3,603,374
    
$
3,353,065
  

See accompanying notes to unaudited consolidated financial statements.
3
Table of Contents

Oritani Financial Corp. and Subsidiaries
Consolidated Statements of Income
(In thousands, except per share data)

 
  
Three months ended March 31,
    
Nine months ended March 31,
  
 
  
2016
    
2015
    
2016
    
2015
  
 
  
(unaudited)
  
Interest income:
  
   
   
   
 
Interest on mortgage loans
  
$
31,061
    
$
30,772
    
$
92,998
    
$
91,540
  
Interest on securities available for sale
    
1,146
      
1,509
      
3,503
      
4,980
  
Interest on securities held to maturity
    
738
      
451
      
1,972
      
1,265
  
Dividends on FHLB stock
    
401
      
499
      
1,193
      
1,475
  
Interest on federal funds sold and short term investments
    
2
      
2
      
4
      
5
  
Total interest income
    
33,348
      
33,233
      
99,670
      
99,265
  
Interest expense:
                                
Deposits
    
4,628
      
3,029
      
12,746
      
8,486
  
Borrowings
    
3,569
      
5,583
      
12,330
      
17,144
  
Total interest expense
    
8,197
      
8,612
      
25,076
      
25,630
  
Net interest income before provision for loan losses
    
25,151
      
24,621
      
74,594
      
73,635
  
Provision for loan losses
    
—
      
—
      
—
      
200
  
Net interest income after provision for loan losses
    
25,151
      
24,621
      
74,594
      
73,435
  
Other income:
                                
Service charges
    
151
      
219
      
617
      
682
  
Real estate operations, net
    
23
      
273
      
294
      
941
  
Income from investments in real estate joint ventures
    
267
      
120
      
985
      
1,455
  
Bank-owned life insurance
    
670
      
677
      
2,044
      
1,869
  
Net gain on sale of assets
    
2,009
      
2,001
      
31,875
      
1,991
  
Net gain on sale of securities
    
—
      
770
      
604
      
768
  
Other income
    
70
      
69
      
238
      
211
  
Total other income
    
3,190
      
4,129
      
36,657
      
7,917
  
Other expenses:
                                
Compensation, payroll taxes and fringe benefits
    
7,573
      
7,318
      
25,332
      
22,272
  
Advertising
    
91
      
100
      
271
      
295
  
Office occupancy and equipment expense
    
817
      
889
      
2,224
      
2,310
  
Data processing service fees
    
506
      
485
      
1,520
      
1,420
  
Federal insurance premiums
    
402
      
397
      
1,200
      
1,175
  
Net expense from real estate operations
    
15
      
358
      
356
      
1,487
  
FHLBNY prepayment fees
    
—
      
806
      
13,873
      
806
  
Other expenses
    
948
      
1,213
      
3,242
      
3,167
  
Total operating expenses
    
10,352
      
11,566
      
48,018
      
32,932
  
Income before income tax expense
    
17,989
      
17,184
      
63,233
      
48,420
  
Income tax expense
    
6,676
      
6,227
      
23,887
      
17,256
  
Net income
  
$
11,313
    
$
10,957
    
$
39,346
    
$
31,164
  
Earnings per basic common share
  
$
0.27
    
$
0.26
    
$
0.95
    
$
0.75
  
Earnings per diluted common share
  
$
0.26
    
$
0.26
    
$
0.92
    
$
0.73
  
 
See accompanying notes to unaudited consolidated financial statements.
4
Table of Contents

Oritani Financial Corp. and Subsidiaries
Consolidated Statements of Comprehensive Income
(In thousands)

 
  
Three months ended March 31,
    
Nine months ended March 31,
  
 
  
2016
    
2015
    
2016
    
2015
  
 
  
(unaudited)
  
Net income
  
$
11,313
    
$
10,957
    
$
39,346
    
$
31,164
  
Other comprehensive loss:
                                
Change in unrealized holding gain (loss) on securities available for sale
    
1,721
      
956
      
517
      
(57
)
Reclassification adjustment for security gains included in net income
    
—
      
(496
)
    
(343
)
    
(412
)
Amortization related to post-retirement obligations
    
31
      
14
      
96
      
40
  
Change in unrealized loss on interest rate swaps
    
(4,858
)
    
(1,375
)
    
(5,755
)
    
(3,653
)
Total other comprehensive loss
    
(3,106
)
    
(901
)
    
(5,485
)
    
(4,082
)
Total comprehensive income
  
$
8,207
    
$
10,056
    
$
33,861
    
$
27,082
  
 
See accompanying notes to unaudited consolidated financial statements.
5
Table of Contents

Oritani Financial Corp. and Subsidiaries
Consolidated Statements of Stockholders' Equity
Nine months ended March 31, 2016 and 2015 (unaudited)
(In thousands, except share data)

 
  
Shares Outstanding
    
Common stock
    
Additional paid-in capital
    
Restricted Stock Awards
    
Treasury stock
    
Unallocated common stock held by ESOP
    
Retained income
    
Accumulated other comprehensive income (loss), net of tax
    
Total stockholders' equity
  
Balance at June 30, 2014
    
45,499,332
    
$
562
    
$
504,434
    
$
(12,086
)
  
$
(140,451
)
  
$
(24,331
)
  
$
195,970
    
$
2,194
    
$
526,292
  
Net income
    
—
      
—
      
—
      
—
      
—
      
—
      
31,164
      
—
      
31,164
  
Other comprehensive loss, net of tax
    
—
      
—
      
—
      
—
      
—
      
—
      
—
      
(4,082
)
    
(4,082
)
Cash dividends declared
    
—
      
—
      
—
      
—
      
—
      
—
      
(32,307
)
    
—
      
(32,307
)
Purchase of treasury stock
    
(1,507,803
)
    
—
      
—
      
—
      
(22,123
)
    
—
      
—
      
—
      
(22,123
)
Compensation cost for stock options and restricted stock
    
—
      
—
      
4,539
      
—
      
—
      
—
      
—
      
—
      
4,539
  
ESOP shares allocated or committed to be released
    
—
      
—
      
919
      
—
      
—
      
1,198
      
—
      
—
      
2,117
  
Exercise of stock options
    
58,710
      
—
      
—
      
—
      
775
      
—
      
(123
)
    
—
      
652
  
Vesting of restricted stock awards
    
—
      
—
      
(3,857
)
    
3,893
      
—
      
—
      
(36
)
    
—
      
—
  
Forfeiture of restricted stock awards
    
(6,400
)
    
—
      
—
      
81
      
(81
)
    
—
      
—
      
—
      
—
  
Tax benefit from stock-based compensation
    
—
      
—
      
483
      
—
      
—
      
—
      
—
      
—
      
483
  
Balance at March 31, 2015
    
44,043,839
    
$
562
    
$
506,518
    
$
(8,112
)
  
$
(161,880
)
  
$
(23,133
)
  
$
194,668
    
$
(1,888
)
  
$
506,735
  
 
                                                                        
Balance at June 30, 2015
    
44,012,239
    
$
562
    
$
508,999
    
$
(8,088
)
  
$
(162,344
)
  
$
(22,803
)
  
$
203,192
    
$
(1,848
)
  
$
517,670
  
Net income
    
—
      
—
      
—
      
—
      
—
      
—
      
39,346
      
—
      
39,346
  
Other comprehensive loss, net of tax
    
—
      
—
      
—
      
—
      
—
      
—
      
—
      
(5,485
)
    
(5,485
)
Cash dividends declared
    
—
      
—
      
—
      
—
      
—
      
—
      
(42,556
)
    
—
      
(42,556
)
Purchase of treasury stock
    
(100,978
)
    
—
      
—
      
—
      
(1,593
)
    
—
      
—
      
—
      
(1,593
)
Issuance of restricted stock awards
    
10,000
      
—
      
—
      
(133
)
    
133
      
—
      
—
      
—
      
—
  
Compensation cost for stock options and restricted stock
    
—
      
—
      
4,483
      
—
      
—
      
—
      
—
      
—
      
4,483
  
ESOP shares allocated or committed to be released
    
—
      
—
      
1,756
      
—
      
—
      
1,984
      
—
      
—
      
3,740
  
Exercise of stock options
    
1,151,466
      
—
      
—
      
—
      
15,303
      
—
      
(2,689
)
    
—
      
12,614
  
Vesting of restricted stock awards
    
—
      
—
      
(3,887
)
    
3,906
      
—
      
—
      
(19
)
    
—
      
—
  
Forfeiture of restricted stock awards
    
(6,000
)
    
—
      
—
      
73
      
(73
)
    
—
      
—
      
—
      
—
  
Tax benefit from stock-based compensation
    
—
      
—
      
498
      
—
      
—
      
—
      
—
      
—
      
498
  
Balance at March 31, 2016
    
45,066,727
    
$
562
    
$
511,849
    
$
(4,242
)
  
$
(148,574
)
  
$
(20,819
)
  
$
197,274
    
$
(7,333
)
  
$
528,717
  
 
See accompanying notes to unaudited consolidated financial statements.
6
Table of Contents

Oritani Financial Corp. and Subsidiaries
Consolidated Statements of Cash Flows
(In thousands)

 
  
Nine months ended March 31,
  
 
  
2016
    
2015
  
 
  
(unaudited)
  
Cash flows from operating activities:
  
 
Net income
  
$
39,346
    
$
31,164
  
Adjustments to reconcile net income to net cash provided by operating activities:
                
ESOP and stock-based compensation expense
    
8,223
      
6,656
  
Depreciation of premises and equipment
    
673
      
712
  
Net amortization and accretion of premiums and discounts on securities
    
879
      
953
  
Provision for loan losses
    
—
      
200
  
Amortization and accretion of deferred loan fees, net
    
(2,659
)
    
(2,713
)
Decrease (increase) in deferred taxes
    
1,051
      
(1,588
)
Gain on sale of investment securities
    
(604
)
    
(768
)
Gain on sale of real estate joint ventures and real estate investments
    
(31,547
)
    
(2,000
)
(Gain) loss  on sale of real estate owned
    
(328
)
    
9
  
Writedown of real estate owned
    
250
      
1,130
  
Proceeds from sale of real estate owned
    
3,967
      
66
  
Increase in cash surrender value of bank owned life insurance
    
(2,044
)
    
(1,869
)
(Increase) decrease in accrued interest receivable
    
(640
)
    
875
  
Increase in other assets
    
(5,298
)
    
(1,495
)
Increase in other liabilities
    
10,292
      
4,784
  
Net cash provided by operating activities
    
21,561
      
36,116
  
Cash flows from investing activities:
                
Net increase in loans receivable
    
(196,162
)
    
(210,894
)
Purchase of mortgage loans
    
(63,020
)
    
—
  
Purchase of securities available for sale
    
(42,213
)
    
—
  
Purchase of securities held to maturity
    
(60,102
)
    
(62,850
)
Proceeds from payments, calls and maturities of securities available for sale
    
46,662
      
64,231
  
Proceeds from payments, calls and maturities of securities held to maturity
    
15,727
      
6,631
  
Proceeds from sales of securities available for sale
    
38,985
      
37,912
  
Proceeds from sales of securities held to maturity
    
—
      
3,375
  
Purchase of Bank Owned Life Insurance
    
—
      
(20,000
)
Net decrease in Federal Home Loan Bank of New York stock
    
3,186
      
10,017
  
Proceeds from sales of real estate joint ventures and real estate investments
    
32,590
      
1,875
  
Net increase in real estate held for investment
    
(21
)
    
(98
)
Net decrease  (increase) in real estate joint ventures
    
337
      
(227
)
Purchase of fixed assets
    
(747
)
    
(307
)
Net cash used in investing activities
    
(224,778
)
    
(170,335
)
Cash flows from financing activities:
                
Net increase in deposits
    
261,906
      
369,454
  
Purchase of treasury stock
    
(1,593
)
    
(22,123
)
Dividends paid to shareholders
    
(42,556
)
    
(32,307
)
Exercise of stock options
    
12,614
      
652
  
Increase in advance payments by borrowers for taxes and insurance
    
2,167
      
4,769
  
Proceeds from borrowed funds
    
161,143
      
100,801
  
Repayment of borrowed funds
    
(195,000
)
    
(293,750
)
Tax benefit from stock based compensation
    
498
      
483
  
Net cash provided by financing activities
    
199,179
      
127,979
  
Net decrease in cash and cash equivalents
    
(4,038
)
    
(6,240
)
Cash and cash equivalents at beginning of period
    
15,129
      
18,931
  
Cash and cash equivalents at end of period
  
$
11,091
    
$
12,691
  
Supplemental cash flow information:
                
Cash paid during the period for:
                
Interest
  
$
25,480
    
$
26,665
  
Income taxes
  
$
21,554
    
$
13,908
  
Noncash transfer
                
Loans receivable transferred to real estate owned
  
$
317
    
$
2,949
  

See accompanying notes to unaudited consolidated financial statements.
7
Table of Contents
Oritani Financial Corp. and subsidiaries
Notes to Unaudited Consolidated Financial Statements
1. Basis of Presentation

The consolidated financial statements are composed of the accounts of Oritani Financial Corp., its wholly owned subsidiaries, Oritani Bank ("the Bank"); Hampshire Financial, LLC, and Oritani, LLC, and the wholly owned subsidiaries of Oritani Bank; Oritani Finance Company, Ormon LLC ("Ormon"), and Oritani Investment Corp., as well as its wholly owned subsidiary, Oritani Asset Corporation (a real estate investment trust), (collectively, the "Company").  Intercompany balances and transactions have been eliminated in consolidation.

In the opinion of management, all of the adjustments (consisting of normal and recurring adjustments) necessary for the fair presentation of the consolidated financial condition and the consolidated results of operations for the unaudited periods presented have been included.  The results of operations and other data presented for the nine month period ended March 31, 2016 are not necessarily indicative of the results of operations that may be expected for the fiscal year ending June 30, 2016.

Certain information and note disclosures usually included in financial statements prepared in accordance with U.S. generally accepted accounting principles have been condensed or omitted pursuant to the rules and regulations of the Securities and Exchange Commission ("SEC") for the preparation of the Form 10-Q.  The consolidated financial statements presented should be read in conjunction with the Company's audited consolidated financial statements and notes to consolidated financial statements included in the Company's June 30, 2015 Annual Report on Form 10-K, filed with the SEC on September 14, 2015.

The consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America ("GAAP"). In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities presented in the Consolidated Balance Sheets at March 31, 2016 and June 30, 2015 and in the Consolidated Statements of Income for the three and nine months ended March 31, 2016 and 2015.  Actual results could differ significantly from those estimates.

A material estimate that is particularly susceptible to significant changes relates to the determination of the allowance for loan losses. The allowance for loan losses represents management's best estimate of losses known and inherent in the portfolio that are both probable and reasonable to estimate. While management uses the most current information available to estimate losses on loans, actual losses are dependent on future events and, as such, increases in the allowance for loan losses may be necessary.

In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Bank's allowance for loan losses. Such agencies may require the Bank to recognize additions to the allowance based on their judgments about information available to them at the time of their examination.

2. Earnings Per Share ("EPS")

Basic earnings per share is computed by dividing income available to common stockholders by the weighted average number of common shares outstanding for the period. The weighted average common shares outstanding includes the average number of shares of common stock outstanding and allocated or committed to be released Employee Stock Ownership Plan shares.
 
Diluted earnings per share is computed using the same method as basic earnings per share, but reflects the potential dilution that could occur if stock options were exercised and converted into common stock.  These potentially dilutive shares would then be included in the weighted average number of shares outstanding for the period using the treasury stock method. When applying the treasury stock method, we add: (1) the assumed proceeds from option exercises; (2) the tax benefit that would have been credited to additional paid-in capital assuming exercise of non-qualified stock options and vesting of shares of restricted stock; and (3) the average unamortized compensation costs related to stock options. We then divide this sum by our average stock price to calculate shares assumed to be repurchased. The excess of the number of shares issuable over the number of shares assumed to be repurchased is added to basic weighted average common shares to calculate diluted EPS.

The following is a summary of the Company's earnings per share calculations and reconciliation of basic to diluted earnings per share.

 
  
Three months ended March 31,
    
Nine months ended March 31,
  
 
  
2016
    
2015
    
2016
    
2015
  
 
  
(In thousands, except per share data)
  
Net income
  
$
11,313
    
$
10,957
    
$
39,346
    
$
31,164
  
Weighted average common shares outstanding—basic
    
42,030
      
41,391
      
41,595
      
41,806
  
Effect of dilutive stock options outstanding
    
1,169
      
922
      
1,159
      
932
  
Weighted average common shares outstanding—diluted
    
43,199
      
42,313
      
42,754
      
42,738
  
Earnings per share-basic
  
$
0.27
    
$
0.26
    
$
0.95
    
$
0.75
  
Earnings per share-diluted
  
$
0.26
    
$
0.26
    
$
0.92
    
$
0.73
  
 
For the three months ended March 31, 2016 and 2015 there were 4,007 and 19,880 option shares, respectively, that could potentially dilute basic earnings per share in the future that were not included in the computation of diluted earnings per share because to do so would have been anti-dilutive for those periods.  Anti-dilutive shares for the nine months ended March 31, 2016 and 2015 were 5,250 and 20,111, respectively.

3. Stock Repurchase Program
 
On March 4, 2015, the Board of Directors of the Company authorized a fourth stock repurchase plan pursuant to which the Company is authorized to repurchase up to 5% of the outstanding shares, or 2,205,451 shares.   At March 31, 2016, there are 1,987,506 shares yet to be purchased under the current plans.  At  March 31, 2016, a total of  13,179,026  shares were acquired under repurchase programs at a weighted average cost of  $13.28 per share.  The timing of the repurchases depend on certain factors, including but not limited to, market conditions and prices, the Company's liquidity and capital requirements, and alternative uses of capital.  Repurchased shares will be held as treasury stock and will be available for general corporate purposes.  The Company may conduct repurchases in accordance with a Rule 10b5-1 trading plan.  
8
Table of Contents
Oritani Financial Corp. and subsidiaries
Notes to Unaudited Consolidated Financial Statements

4. Equity Incentive Plans
 
The 2007 Equity Incentive Plan ("the 2007 Equity Plan") was approved by the Company's stockholders on April 22, 2008, which authorized the issuance of up to 4,172,817 shares of Company common stock pursuant to grants of incentive and non-statutory stock options, stock appreciation rights, and restricted stock awards.  The 2011 Equity Incentive Plan ("2011 Equity Plan") was approved by the Company's stockholders on July 26, 2011.  The 2011 Equity Plan authorized the issuance of up to 5,790,849 shares of the Company's common stock pursuant to grants of stock options, restricted stock awards and restricted stock units, with no more than 1,654,528 of the shares issued as restricted stock awards or restricted stock units.  Employees and outside directors of the Company or Oritani Bank are eligible to receive awards under the Equity Plans.
 
Stock options are granted at an exercise price equal to the market price of our common stock on the grant date, based on quoted market prices. Stock options generally vest over a five-year service period and expire ten years from issuance.  The vesting of the options accelerate upon death or disability, retirement or a change in control and expire 90 days after termination of service, excluding disability or retirement.  The Company recognizes compensation expense for all option grants over the awards' respective requisite service periods.  Management estimated the fair values of all option grants using the Black-Scholes option-pricing model.   Management estimated the expected life of the options using the simplified method.  The Treasury yield in effect at the time of the grant provides the risk-free rate for periods within the contractual life of the option.  The Company classified share-based compensation for employees and outside directors within "compensation, payroll taxes and fringe benefits" in the consolidated statements of income to correspond with the same line item as the cash compensation paid.

 The fair value of the options issued during the nine months ended March 31, 2016 was estimated using the Black-Scholes options-pricing model with the assumptions in the following table.  There were no options issued during the nine months ended March 31, 2015.

 
Nine months ended March 31, 2016
Option shares granted
  
20,000
Expected dividend yield
  
6.75%
Expected volatility
  
26.10%
Risk-free interest rate
  
2.03%
Expected option life
 
6.5

The following is a summary of the Company's stock option activity and related information as of March 31, 2016 and changes therein during the nine months then ended:

 
  
Number of Stock Options
    
Weighted Average Grant Date Fair Value
    
Weighted Average Exercise Price
    
Weighted Average Remaining Contractual Life (years)
  
Outstanding at June 30, 2015
    
5,900,164
    
$
2.57
    
$
11.50
      
5.8
  
Granted
    
20,000
      
1.64
      
15.89
      
10.0
  
Exercised
    
(1,151,466
)
    
2.43
      
10.95
      
3.4
  
Forfeited
    
(20,000
)
    
2.69
      
12.65
      
6.2
  
Outstanding at March 31, 2016
    
4,748,698
    
$
2.59
    
$
11.64
      
5.5
  
Exercisable at March 31, 2016
    
3,910,912
    
$
2.58
    
$
11.50
      
4.4
  
 
The Company recorded $522,000 and $536,000 of share based compensation expense related to the options granted for the three months ended March 31, 2016 and 2015, respectively.  The Company recorded $1.6 million of share based compensation expense related to the options granted for both nine month periods ended March 31, 2016 and 2015.   Expected future expense related to the non-vested options outstanding at March 31, 2016 is $911,000 over a weighted average period of 0.5 years. Upon exercise of vested options, management expects to draw on treasury stock as the source of the shares.


Restricted stock shares vest over a five-year service period on the anniversary date of the grant. Vesting of the restricted stock shares accelerate upon death or disability, retirement or a change in control. The product of the number of shares granted and the grant date market price of the Company's common stock determines the fair value of restricted shares under the Company's restricted stock plan. The Company recognizes compensation expense for the fair value of restricted shares on a straight-line basis over the requisite service period.
 
The following is a summary of the status of the Company's restricted stock shares as of March 31, 2016 and changes therein during the nine months then ended:

 
  
Number of Shares Awarded
    
Weighted Average Grant Date Fair Value
  
Non-vested at June 30, 2015
    
668,040
    
$
12.17
  
Granted
    
10,000
      
15.89
  
Vested
    
(322,553
)
    
12.05
  
Forfeited
    
(6,000
)
    
11.95
  
Non-vested at March 31, 2016
    
349,487
    
$
12.38
  
 
The Company recorded $966,000 and $976,000 of share based compensation expense related to the restricted stock shares for both of the three month ended March 31, 2016 and 2015, respectively.  The Company recorded $2.9 million of share based compensation expense related to the restricted stock shares for both nine month periods ended March 31, 2016 and 2015, respectively.   Expected future expense related to the non-vested restricted shares at March 31, 2016 is $1.9 million over a weighted average period of 0.7 years.
9
Table of Contents
Oritani Financial Corp. and subsidiaries
Notes to Unaudited Consolidated Financial Statements

5. Post-retirement Benefits
 
The Company provides several post-retirement benefit plans to directors and to certain active and retired employees. The Company has a nonqualified Directors' Retirement Plan ("Retirement Plan"), a nonqualified Benefit Equalization Plan ("BEP Plan"), which provides benefits to employees who are disallowed certain benefits under the Company's qualified benefit plans, and a Post Retirement Medical Plan ("Medical Plan") for directors and certain eligible employees.

Net periodic benefit costs for the three and nine months ended March 31, 2016 and 2015 are presented in the following tables.

 
Retirement Plan
    
BEP Plan
    
Medical Plan
  
 
Three months ended March 31,
  
 
2016
    
2015
    
2016
    
2015
    
2016
    
2015
  
 
(In thousands)
  
Service cost
  
$
44
    
$
37
    
$
—
    
$
—
    
$
19
    
$
31
  
Interest cost
    
57
      
51
      
12
      
10
      
59
      
45
  
Amortization of unrecognized:
                                                
Prior service cost
    
—
      
15
      
—
      
—
      
—
      
—
  
Net loss
    
7
      
—
      
10
      
6
      
39
      
2
  
Total
  
$
108
    
$
103
    
$
22
    
$
16
    
$
117
    
$
78
  

 
  
Nine months ended March 31,
  
 
  
2016
    
2015
    
2016
    
2015
    
2016
    
2015
  
 
  
(In thousands)
  
Service cost
  
$
131
    
$
111
    
$
—
    
$
—
    
$
58
    
$
93
  
Interest cost
    
170
      
152
      
36
      
30
      
176
      
136
  
Amortization of unrecognized:
                                                
Prior service cost
    
—
      
45
      
—
      
—
      
—
      
—
  
Net loss
    
22
      
—
      
30
      
18
      
116
      
5
  
Total
  
$
323
    
$
308
    
$
66
    
$
48
    
$
350
    
$
234
  
 
6. Loans, net
 
Loans, net are summarized as follows:

 
  
March 31, 2016
    
June 30, 2015
  
 
  
(In thousands)
  
Residential
  
$
217,270
    
$
186,342
  
Residential commercial real estate
    
1,486,911
      
1,229,816
  
Credit/grocery retail commercial real estate
    
458,025
      
481,216
  
Other commercial real estate
    
889,353
      
894,016
  
Construction and land loans
    
4,651
      
6,132
  
Total loans
    
3,056,210
      
2,797,522
  
Less:
                
Deferred loan fees, net
    
8,526
      
10,421
  
Allowance for loan losses
    
29,948
      
30,889
  
Loans, net
  
$
3,017,736
    
$
2,756,212
  
 
The Company's allowance for loan losses is analyzed quarterly and many factors are considered, including growth in the portfolio, delinquencies, nonaccrual loan levels, and other environmental factors.  There have been no material changes to the allowance for loan loss methodology as disclosed in the Company's Annual Report on Form 10-K, filed with the Securities and Exchange Commission on September 14, 2015.

The activity in the allowance for loan losses for the three and nine months ended March 31, 2016 and 2015 is summarized as follows:

 
Three months ended March 31,
  
Nine months ended March 31,
  
 
(In thousands)
  
 
2016
  
2015
  
2016
  
2015
  
Balance at beginning of period
  
$
30,635
    
$
31,266
    
$
30,889
    
$
31,401
  
Provisions for loan losses
    
—
      
—
      
—
      
200
  
Recoveries of loans previously charged off
    
5
      
—
      
6
      
1
  
Loans charged off
    
(692
)
    
(377
)
    
(947
)
    
(713
)
Balance at end of period
  
$
29,948
    
$
30,889
    
$
29,948
    
$
30,889
  
 
10
Table of Contents
Oritani Financial Corp. and subsidiaries
Notes to Unaudited Consolidated Financial Statements

The following table provides the three and nine month activity in the allowance for loan losses allocated by loan category at March 31, 2016 and 2015.  The allowance for loan losses allocated to each category is not necessarily indicative of future losses in any particular category and does not restrict the use of the allowance to absorb losses in other categories.
 
 
Three months ended March 31, 2016
  
 
Residential
  
Residential commercial real estate
  
Credit/grocery retail commercial real estate
  
Other commercial real estate
  
Construction and land loans
  
Unallocated
  
Total
  
 
(In thousands)
  
Allowance for loan losses:
 
 
 
 
 
 
 
Beginning balance
  
$
1,518
    
$
10,893
    
$
3,654
    
$
13,858
    
$
712
    
$
—
    
$
30,635
  
Charge-offs
    
—
      
—
      
—
      
(692
)
    
—
      
—
      
(692
)
Recoveries
    
—
      
—
      
—
      
5
      
—
      
—
      
5
  
Provisions
    
(143
)
    
962
      
14
      
(431
)
    
(402
)
    
—
      
—
  
Ending balance
  
$
1,375
    
$
11,855
    
$
3,668
    
$
12,740
    
$
310
    
$
—
    
$
29,948
  

 
  
Nine months ended March 31, 2016
  
 
  
Residential
    
Residential commercial real estate
    
Credit/grocery retail commercial real estate
    
Other commercial real estate
    
Construction
and land loans
    
Unallocated
    
Total
  
 
  
(In thousands)
  
Allowance for loan losses:
  
   
   
   
   
   
   
 
Beginning balance
  
$
1,521
    
$
10,814
    
$
4,042
    
$
13,943
    
$
569
    
$
—
    
$
30,889
  
Charge-offs
    
(98
)
    
—
      
—
      
(849
)
    
—
      
—
      
(947
)
Recoveries
    
—
      
—
      
—
      
6
      
—
      
—
      
6
  
Provisions
    
(48
)
    
1,041
      
(374
)
    
(360
)
    
(259
)
    
—
      
—
  
Ending balance
  
$
1,375
    
$
11,855
    
$
3,668
    
$
12,740
    
$
310
    
$
—
    
$
29,948
  

 
  
Three months ended March 31, 2015
  
 
  
Residential
    
Residential commercial real estate
    
Credit/grocery retail commercial real estate
    
Other commercial real estate
    
Construction
and land loans
    
Unallocated
    
Total
  
 
  
(In thousands)
  
Allowance for loan losses:
  
   
   
   
   
   
   
 
Beginning balance
  
$
2,213
    
$
9,211
    
$
3,166
    
$
14,897
    
$
327
    
$
1,452
    
$
31,266
  
Charge-offs
    
(29
)
    
—
      
—
      
(348
)
    
—
      
—
      
(377
)
Recoveries
    
—
      
—
      
—
      
—
      
—
      
—
      
—
  
Provisions
    
526
      
(82
)
    
23
      
(392
)
    
(85
)
    
10
      
—
  
Ending balance
  
$
2,710
    
$
9,129
    
$
3,189
    
$
14,157
    
$
242
    
$
1,462
    
$
30,889
  

   
Nine months ended March 31, 2015
  
 
  
Residential
    
Residential commercial real estate
    
Credit/grocery retail commercial real estate
    
Other commercial real estate
    
Construction and land loans
    
Unallocated
    
Total
  
 
  
(In thousands)
  
Allowance for loan losses:
  
   
   
   
   
   
   
 
Beginning balance
  
$
1,568
    
$
5,327
    
$
2,652
    
$
17,995
    
$
1,108
    
$
2,751
    
$
31,401
  
Charge-offs
    
(333
)
    
—
      
—
      
(380
)
    
—
      
—
      
(713
)
Recoveries
    
—
      
—
      
—
      
—
      
1
      
—
      
1
  
Provisions
    
1,475
      
3,802
      
537
      
(3,458
)
    
(867
)
    
(1,289
)
    
200
  
Ending balance
  
$
2,710
    
$
9,129
    
$
3,189
    
$
14,157
    
$
242
    
$
1,462
    
$
30,889
  
11
Table of Contents
Oritani Financial Corp. and subsidiaries
Notes to Unaudited Consolidated Financial Statements

The following table details the amount of loans receivables that are evaluated individually, and collectively, for impairment, and the related portion of allowance for loan loss that is allocated to each loan portfolio segment at March 31, 2016 and June 30, 2015.

   
At March 31, 2016
  
 
  
Residential
    
Residential commercial real estate
    
Credit/grocery retail commercial real estate
    
Other commercial real estate
    
Construction and land loans
    
Total
  
   
(In thousands)
  
Allowance for loan losses:
  
   
   
   
   
   
 
Individually evaluated for impairment
  
$
20
    
$
27
    
$
—
    
$
598
    
$
47
    
$
692
  
Collectively evaluated for impairment
    
1,355
      
11,828
      
3,668
      
12,142
      
263
      
29,256
  
Total
  
$
1,375
    
$
11,855
    
$
3,668
    
$
12,740
    
$
310
    
$
29,948
  
Loans receivable:
                                                
Individually evaluated for impairment
  
$
3,631
    
$
314
    
$
—
    
$
9,406
    
$
56
    
$
13,407
  
Collectively evaluated for impairment
    
213,639
      
1,486,597
      
458,025
      
879,947
      
4,595
      
3,042,803
  
Total
  
$
217,270
    
$
1,486,911
    
$
458,025
    
$
889,353
    
$
4,651
    
$
3,056,210
  
 
                                                

   
At June 30, 2015
  
 
  
Residential
    
Residential commercial real estate
    
Credit/grocery retail commercial real estate
    
Other commercial real estate
    
Construction
and land loans
    
Total
  
   
(In thousands)
  
Allowance for loan losses:
  
   
   
   
   
   
 
Individually evaluated for impairment
  
$
20
    
$
27
    
$
—
    
$
1,290
    
$
28
    
$
1,365
  
Collectively evaluated for impairment
    
1,501
      
10,787
      
4,042
      
12,653
      
541
      
29,524
  
Total
  
$
1,521
    
$
10,814
    
$
4,042
    
$
13,943
    
$
569
    
$
30,889
  
Loans receivable:
                                                
Individually evaluated for impairment
  
$
3,780
    
$
311
    
$
—
    
$
11,439
    
$
224
    
$
15,754
  
Collectively evaluated for impairment
    
182,562
      
1,229,505
      
481,216
      
882,577
      
5,908
      
2,781,768
  
Total
  
$
186,342
    
$
1,229,816
    
$
481,216
    
$
894,016
    
$
6,132
    
$
2,797,522
  
 
The Company continuously monitors the credit quality of its loan portfolio.  In addition to internal staff, the Company utilizes the services of a third party loan review firm to evaluate the credit quality ratings of its loan receivables.  Credit quality is monitored by reviewing certain credit quality indicators.  Assets classified as "Satisfactory" are deemed to possess average to superior credit quality, requiring no more than normal attention.  Assets classified as "Pass/Watch" have generally acceptable asset quality yet possess higher risk characteristics/circumstances than satisfactory assets.  Such characteristics may include strained liquidity, slow pay, stale financial statements or other circumstances requiring greater attention from bank staff.  We classify an asset as "Special Mention" if the asset has a potential weakness that warrants management's close attention.  Such weaknesses, if left uncorrected, may result in the deterioration of the repayment prospects of the asset.  An asset is considered "Substandard" if it is inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any.  Substandard assets include those characterized by the distinct possibility that we will sustain some loss if the deficiencies are not corrected.  Assets classified as "Doubtful" have all of the weaknesses inherent in those classified substandard, with the added characteristic that the weaknesses present make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.  Included in the Substandard caption are all loans that were past due 90 days (or more) and all impaired loans.
12
Table of Contents
Oritani Financial Corp. and subsidiaries
Notes to Unaudited Consolidated Financial Statements

The following table provides information about the loan credit quality at March 31, 2016 and June 30, 2015:

 
  
At March 31, 2016
  
 
  
Satisfactory
    
Pass/Watch
    
Special Mention
    
Substandard
    
Doubtful
    
Total
  
 
  
(In thousands)
  
Residential
  
$
193,151
    
$
18,599
    
$
757
    
$
4,763
    
$
—
    
$
217,270
  
Residential commercial real estate
    
1,476,405
      
8,033
      
2,159
      
314
      
—
      
1,486,911
  
Credit/grocery retail commercial real estate
    
442,502
      
15,523
      
—
      
—
      
—
      
458,025
  
Other commercial real estate
    
795,682
      
55,798
      
18,853
      
19,020
      
—
      
889,353
  
Construction and land loans
    
4,595
      
—
      
—
      
56
      
—
      
4,651
  
Total
  
$
2,912,335
    
$
97,953
    
$
21,769
    
$
24,153
    
$
—
    
$
3,056,210
  

 
  
At June 30, 2015
  
 
  
Satisfactory
    
Pass/Watch
    
Special Mention
    
Substandard
    
Doubtful
    
Total
  
 
  
(In thousands)
  
Residential
  
$
162,769
    
$
18,236
    
$
416
    
$
4,921
    
$
—
    
$
186,342
  
Residential commercial real estate
    
1,203,514
      
18,487
      
2,125
      
5,690
      
—
      
1,229,816
  
Credit/grocery retail commercial real estate
    
477,351
      
3,865
      
—
      
—
      
—
      
481,216
  
Other commercial real estate
    
790,076
      
68,689
      
15,366
      
19,885
      
—
      
894,016
  
Construction and land loans
    
5,908
      
—
      
—
      
224
      
—
      
6,132
  
Total
  
$
2,639,618
    
$
109,277
    
$
17,907
    
$
30,720
    
$
—
    
$
2,797,522
  
 
The following table provides information about loans past due at March 31, 2016 and June 30, 2015:

 
  
At March 31, 2016
  
 
  
30-59 Days Past Due
    
60-89 Days Past Due
    
90 days or More Past Due
    
Total Past Due
    
Current
    
Total Loans
    
Nonaccrual (1)
  
 
  
(In thousands)
  
Residential
  
$
1,398
    
$
756
    
$
684
    
$
2,838
    
$
214,432
    
$
217,270
    
$
1,317
  
Residential commercial real estate
    
—
      
—
      
—
      
—
      
1,486,911
      
1,486,911
      
314
  
Credit/grocery retail commercial real estate
    
—
      
—
      
—
      
—
      
458,025
      
458,025
      
—
  
Other commercial real estate
    
2,019
      
428
      
1,047
      
3,494
      
885,859
      
889,353
      
8,302
  
Construction and land loans
    
—
      
—
      
56
      
56
      
4,595
      
4,651
      
56
  
Total
  
$
3,417
    
$
1,184
    
$
1,787
    
$
6,388
    
$
3,049,822
    
$
3,056,210
    
$
9,989
  

 
  
At June 30, 2015
  
 
  
30-59 Days Past Due
    
60-89 Days Past Due
    
90 days or More Past Due
    
Total Past Due
    
Current
    
Total Loans
    
Nonaccrual (2)
  
 
  
(In thousands)
  
Residential
  
$
340
    
$
432
    
$
888
    
$
1,660
    
$
184,682
    
$
186,342
    
$
1,329
  
Residential commercial real estate
    
—
      
311
      
—
      
311
      
1,229,505
      
1,229,816
      
311
  
Credit/grocery retail commercial real estate
    
—
      
—
      
—
      
—
      
481,216
      
481,216
      
—
  
Other commercial real estate
    
3,278
      
—
      
3,569
      
6,847
      
887,169
      
894,016
      
10,711
  
Construction and land loans
    
—
      
—
      
224
      
224
      
5,908
      
6,132
      
224
  
Total
  
$
3,618
    
$
743
    
$
4,681
    
$
9,042
    
$
2,788,480
    
$
2,797,522
    
$
12,575
  

(1)
Included in nonaccrual loans at March 31, 2016 are residential loans totaling $266,000 and other commercial real estate loans totaling $221,000 that were 30-59 days past due; residential loans totaling $367,000, residential commercial real estate loans totaling $314,000 and other commercial real estate loans totaling $7.0 million that were current.
(2)
Included in nonaccrual loans at June 30, 2015 are other commercial real estate loans totaling $1.1 million that were 30-59 days past due; residential loans totaling $16,000 and residential commercial real estate loans totaling $311,000 that were 60-89 days past due; residential loans totaling $425,000 and other commercial real estate loans totaling $6.1 million that were current.

13
Table of Contents
Oritani Financial Corp. and subsidiaries
Notes to Unaudited Consolidated Financial Statements

The Company defines an impaired loan as a loan for which it is probable, based on current information, that the Company will not collect all amounts due under the contractual terms of the loan agreement.  Loans we individually classify as impaired include multifamily, commercial mortgage and construction loans with balances of $1.0 million or more, unless a condition exists for loans less than $1.0 million that would increase the Bank's potential loss exposure.  At March 31, 2016 impaired loans were primarily collateral-dependent and totaled $13.4 million, of which $4.9 million had a specific allowance for credit losses of $692,000 and $8.5 million of impaired loans had no related allowance for credit losses.  At June 30, 2015 impaired loans were primarily collateral-dependent and totaled $15.8 million, of which $7.3 million  had a related allowance for credit losses of $1.4 million and $8.5 million of impaired loans had no related allowance for credit losses.

The following table provides information about the Company's impaired loans at March 31, 2016 and June 30, 2015:

 
  
Impaired Loans
  
 
  
At March 31, 2016
    
Nine months ended March 31, 2016
  
 
  
Recorded Investment
    
Unpaid Principal Balance
    
Allowance
    
Average Recorded Investment
    
Interest Income Recognized
  
 
  
(In thousands)
  
With no related allowance recorded:
  
   
   
   
   
 
Residential
  
$
3,447
    
$
3,447
    
$
—
    
$
3,525
    
$
106
  
Other commercial real estate
    
5,024
      
5,024
      
—
      
5,497
      
184
  
 
    
8,471
      
8,471
      
—
      
9,022
      
290
  
With an allowance recorded:
                                        
Residential
  
$
164
    
$
184
    
$
20
    
$
166
    
$
—
  
Residential commercial real estate
    
287
      
314
      
27
      
291
      
—
  
Other commercial real estate
    
3,784
      
4,382
      
598
      
3,866
      
—
  
Construction and land loans
    
9
      
56
      
47
      
90
      
—
  
 
    
4,244
      
4,936
      
692
      
4,413
      
—
  
Total:
                                        
Residential
  
$
3,611
    
$
3,631
    
$
20
    
$
3,691
    
$
106
  
Residential commercial real estate
    
287
      
314
      
27
      
291
      
—
  
Other commercial real estate
    
8,808
      
9,406
      
598
      
9,363
      
184
  
Construction and land loans
    
9
      
56
      
47
      
90
      
—
  
 
  
$
12,715
    
$
13,407
    
$
692
    
$
13,435
    
$
290
  

 
  
Impaired Loans
  
 
  
At June 30, 2015
    
Year ended June 30, 2015
  
 
  
Recorded Investment
    
Unpaid Principal Balance
    
Allowance
    
Average Recorded Investment
    
Interest Income Recognized
  
 
  
(In thousands)
  
With no related allowance recorded:
  
   
   
   
   
 
Residential
  
$
3,592
    
$
3,592
    
$
—
    
$
3,429
    
$
144
  
Other commercial real estate
    
4,892
      
4,892
      
—
      
4,912
      
82
  
 
    
8,484
      
8,484
      
—
      
8,341
      
226
  
With an allowance recorded:
                                        
Residential
  
$
168
    
$
188
    
$
20
    
$
171
    
$
8
  
Residential commercial real estate
    
284
      
311
      
27
      
432
      
—
  
Other commercial real estate
    
5,257
      
6,547
      
1,290
      
5,719
      
46
  
Construction and land loans
    
196
      
224
      
28
      
275
      
—
  
 
    
5,905
      
7,270
      
1,365
      
6,597
      
54
  
Total:
                                        
Residential
  
$
3,760
    
$
3,780
    
$
20
    
$
3,600
    
$
152
  
Residential commercial real estate
    
284
      
311
      
27
      
432
      
—
  
Other commercial real estate
    
10,149
      
11,439
      
1,290
      
10,631
      
128
  
Construction and land loans
    
196
      
224
      
28
      
275
      
—
  
 
  
$
14,389
    
$
15,754
    
$
1,365
    
$
14,938
    
$
280
  
 
14
Table of Contents
Oritani Financial Corp. and subsidiaries
Notes to Unaudited Consolidated Financial Statements

Troubled debt restructured loans ("TDRs") are those loans whose terms have been modified because of deterioration in the financial condition of the borrower.  The Company has selectively modified certain borrower's loans to enable the borrower to emerge from delinquency and keep their loans current.  The eligibility of a borrower for a TDR modification depends upon the facts and circumstances of each transaction, which may change from period to period, and involve judgment by management regarding the likelihood that the modification will result in the maximum recovery by the Company.  Modifications could include extension of the terms of the loan, reduced interest rates, and forgiveness of accrued interest and/or principal.  Once an obligation has been restructured because of such credit problems, it continues to be considered restructured until paid in full or, if the obligation yields a market rate (a rate equal to or greater than the rate the Company was willing to accept at the time of the restructuring for a new loan with comparable risk), until the year subsequent to the year in which the restructuring takes place, provided the borrower has performed under the modified terms for a six month period.  Management classifies all TDRs as impaired loans.  Included in impaired loans at March 31, 2016 are $5.1 million of loans which are deemed TDRs.  At June 30, 2015, TDRs totaled $3.9 million.
 
The following table presents additional information regarding the Company's TDRs as of March 31, 2016 and June 30, 2015:

 
Troubled Debt Restructurings at March 31, 2016
  
 
Performing
  
Nonperforming
  
Total
  
 
(In thousands)
  
Residential
  
$
—
    
$
184
    
$
184
  
Residential commercial real estate
    
—
      
314
      
314
  
Other commercial real estate
    
394
      
4,148
      
4,542
  
Construction and land loans
    
—
      
56
      
56
  
Total
  
$
394
    
$
4,702
    
$
5,096
  
Allowance
  
$
—
    
$
275
    
$
275
  
 
                        
 
Troubled Debt Restructurings at June 30, 2015
  
 
Performing
  
Nonperforming
  
Total
  
 
(In thousands)
  
Residential
  
$
—
    
$
188
    
$
188
  
Residential commercial real estate
    
—
      
311
      
311
  
Other commercial real estate
    
418
      
2,710
      
3,128
  
Construction and land loans
    
—
      
224
      
224
  
Total
  
$
418
    
$
3,433
    
$
3,851
  
Allowance
  
$
—
    
$
948
    
$
948
  
 
 
There were no loan relationships modified in a troubled debt restructuring during the three months ended March 31, 2016  and 2015.
 
 
Nine months ended March 31,
  
 
2016
  
2015
  
 
Number of
Relationships
  
Pre-Modification
Outstanding
Recorded
Investment
  
Post-Modification
Outstanding
Recorded
Investment
  
Number of
Relationships
  
Pre-Modification
Outstanding
Recorded
Investment
  
Post-Modification
Outstanding
Recorded
Investment
  
 
(Dollars in thousands)
  
(Dollars in thousands)
  
Other commercial real estate
    
1
      
3,385
      
2,280
      
—
      
—
      
—
  
Total
    
1
    
$
3,385
    
$
2,280
      
—
    
$
—
    
$
—
  

The relationship modified during the nine months ended March 31, 2016, was granted an extended maturity in conjunction with a principal paydown.  There were no loan relationships modified in a troubled debt restructuring during the nine months ended March 31, 2015.

There have been no loans that were modified as TDR during the last twelve months that have subsequently defaulted (90 days or more past due) during the current quarter ended March 31, 2016.
 
15
Table of Contents
Oritani Financial Corp. and subsidiaries
Notes to Unaudited Consolidated Financial Statements

7. Investment Securities
 
Securities Held to Maturity
 
The following is a comparative summary of securities held to maturity at March 31, 2016 and June 30, 2015:

 
  
At March 31, 2016
  
 
  
Amortized cost
    
Gross
unrealized gains
    
Gross
unrealized losses
    
Fair value
  
 
  
(In thousands)
  
Mortgage-backed securities:
  
   
   
   
 
FHLMC
  
$
2,461
    
$
111
    
$
—
    
$
2,572
  
FNMA
    
76,870
      
1,003
      
47
      
77,826
  
GNMA
    
1,432
      
60
      
—
      
1,492
  
CMO
    
71,266
      
456
      
35
      
71,687
  
 
  
$
152,029
    
$
1,630
    
$
82
    
$
153,577
  

 
  
At June 30, 2015
  
 
  
Amortized cost
    
Gross
unrealized gains
    
Gross
unrealized losses
    
Fair value
  
 
  
(In thousands)
  
Mortgage-backed securities:
  
   
   
   
 
FHLMC
  
$
1,638
    
$
132
    
$
—
    
$
1,770
  
FNMA
    
55,808
      
269
      
637
      
55,440
  
GNMA
    
1,928
      
84
      
—
      
2,012
  
CMO
    
48,616
      
98
      
187
      
48,527
  
 
  
$
107,990
    
$
583
    
$
824
    
$
107,749
  
 
The contractual maturities of mortgage-backed securities held to maturity generally exceed 20 years; however, the effective lives are expected to be shorter due to anticipated prepayments and, in the case of CMOs, cash flow priorities.  Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalties.
 
The Company did not sell any securities held to maturity during the three months ended March 31, 2016 and 2015.  The Company did not sell any securities held to maturity during the nine months ended March 31, 2016.  Proceeds from the sale of securities held to maturity for the nine months ended March 31, 2015 were $3.4 million on securities with an amortized cost of $3.2 million, resulting in gross gains of $143,800 and no losses.  The held to maturity securities sold were mortgage-backed securities with 15% or less of their original purchased balances remaining.  Securities with fair values of $89.3 million and $54.2 million at March 31, 2016 and June 30, 2015, respectively, were pledged as collateral for advances.  The fair value of securities pledged as collateral for cash flow hedge interest rate swaps totaled $14.0 million and $1.8 million at March 31, 2016 and June 30, 2015, respectively. The Company did not record other-than-temporary impairment charges on securities held to maturity during the three and nine months ended March 31, 2016 and 2015.
16
Table of Contents
Oritani Financial Corp. and subsidiaries
Notes to Unaudited Consolidated Financial Statements


Gross unrealized losses on securities held to maturity and the fair value of the related securities, aggregated by security category and length of time that individual securities have been in a continuous unrealized loss position at March 31, 2016 and June 30, 2015 were as follows:

 
At March 31, 2016
  
 
Less than 12 months
  
Greater than 12 months
  
Total
  
 
Fair value
  
Gross
unrealized
losses
  
Fair value
  
Gross
unrealized
losses
  
Fair value
  
Gross
unrealized
losses
  
 
(In thousands)
  
Mortgage-backed securities:
  
   
   
   
   
   
 
FNMA
  
$
—
    
$
—
    
$
3,254
    
$
47
    
$
3,254
    
$
47
  
CMO
    
16,392
      
35
      
—
      
—
      
16,392
      
35
  
 
  
$
16,392
    
$
35
    
$
3,254
    
$
47
    
$
19,646
    
$
82
  

 
At June 30, 2015
  
 
Less than 12 months
  
Greater than 12 months
  
Total
  
 
Fair value
  
Gross
unrealized
losses
  
Fair value
  
Gross
unrealized
losses
  
Fair value
  
Gross
unrealized
losses
  
 
(In thousands)
  
Mortgage-backed securities:
  
   
   
   
   
   
 
FNMA
  
$
32,925
    
$
380
    
$
6,891
    
$
257
    
$
39,816
    
$
637
  
CMO
    
31,433
      
187
      
—
      
—
      
31,433
      
187
  
 
  
$
64,358
    
$
567
    
$
6,891
    
$
257
    
$
71,249
    
$
824
  

Management evaluated the securities in the above tables and concluded that none of the securities with losses has impairments that are other-than-temporary.  The unrealized losses on investments in mortgage-backed securities were caused by interest rate changes and market conditions.  Because the decline in fair value is attributable to changes in interest rates and market conditions and not credit quality, and because the Company has no intent to sell and believes it is not more than likely than not that it will be required to sell these investments until a market price recovery or maturity, these investments are not considered other-than-temporarily impaired.
17
Table of Contents
Oritani Financial Corp. and subsidiaries
Notes to Unaudited Consolidated Financial Statements
Securities Available for Sale

The following is a comparative summary of securities available for sale at March 31, 2016 and June 30, 2015:

 
  
At March 31, 2016
  
 
  
Amortized
cost
    
Gross
unrealized
gains
    
Gross
unrealized
losses
    
Fair value
  
 
  
(In thousands)
  
Equity securities
  
$
601
    
$
527
    
$
—
    
$
1,128
  
Mortgage-backed securities:
                                
FHLMC
    
934
      
46
      
—
      
980
  
FNMA
    
72,388
      
935
      
—
      
73,323
  
CMO
    
139,078
      
1,420
      
73
      
140,425
  
 
  
$
213,001
    
$
2,928
    
$
73
    
$
215,856
  

 
  
At June 30, 2015
  
 
  
Amortized
cost
    
Gross
unrealized
gains
    
Gross
unrealized
losses
    
Fair value
  
 
  
(In thousands)
  
Equity securities
  
$
1,208
    
$
902
    
$
—
    
$
2,110
  
Mortgage-backed securities:
                                
FHLMC
    
5,162
      
163
      
—
      
5,325
  
FNMA
    
36,432
      
537
      
114
      
36,855
  
CMO
    
213,569
      
1,580
      
476
      
214,673
  
 
  
$
256,371
    
$
3,182
    
$
590
    
$
258,963
  
 
The contractual maturities of mortgage-backed securities available for sale generally exceed 20 years; however, the effective lives are expected to be shorter due to anticipated prepayments and, in the case of CMOs, cash flow priorities. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalties.

 The Company did not sell any securities available for sale for the three months ended March 31, 2016.  Proceeds from the sale of securities available for sale for the three months ended March 31, 2015 were $20.7 million on securities with an amortized cost of $19.9 million, resulting in gross gains of $770,000 and no losses.  Proceeds from the sale of securities available for sale for the nine months ended March 31, 2016 were $39.0 million on securities with an amortized cost of $38.4 million, resulting in gross gains and gross losses of $607,000 and $3,000, respectively.  Proceeds from the sale of securities available for sale for the nine months ended March 31, 2015 were $37.9 million on securities with an amortized cost of $37.3 million, resulting in gross gains and gross losses of $861,000 and $236,000, respectively.  The Equity securities caption relates to holdings of shares in financial institutions common stock.  Available for sale securities with fair values of $85.5 million and $197.4 million at March 31, 2016 and June 30, 2015, respectively, were pledged as collateral for advances.  The fair value of securities pledged as collateral for cash flow hedge interest rate swaps totaled $7.0 million and $6.4 million at March 31, 2016 and June 30, 2015, respectively. There were no other-than-temporary impairment charges on available for sale securities for the three and nine months ended March 31, 2016 and 2015.  
18
Table of Contents
Oritani Financial Corp. and subsidiaries
Notes to Unaudited Consolidated Financial Statements


Gross unrealized losses on securities available for sale and the fair value of the related securities, aggregated by security category and length of time that individual securities have been in a continuous unrealized loss position at March 31, 2016 and June 30, 2015 were as follows:

 
At March 31, 2016
  
 
Less than 12 months
  
Greater than 12 months
  
Total
  
 
Fair value
  
Gross
unrealized
losses
  
Fair value
  
Gross
unrealized
losses
  
Fair value
  
Gross
unrealized
losses
  
 
(In thousands)
  
Mortgage-backed securities:
 
 
 
 
 
 
CMO
    
—
      
—
      
25,043
      
73
      
25,043
      
73
  
 
  
$
—
    
$
—
    
$
25,043
    
$
73
    
$
25,043
    
$
73
  

 
At June 30, 2015
  
 
Less than 12 months
  
Greater than 12 months
  
Total
  
 
Fair value
  
Gross
unrealized
losses
  
Fair value
  
Gross
unrealized
losses
  
Fair value
  
Gross
unrealized
losses
  
 
(In thousands)
  
Mortgage-backed securities:
 
 
 
 
 
 
FNMA
  
$
17,185
    
$
114
    
$
—
    
$
—
    
$
17,185
    
$
114
  
CMO
    
42,463
      
296
      
9,947
      
180
      
52,410
      
476
  
 
  
$
59,648
    
$
410
    
$
9,947
    
$
180
    
$
69,595
    
$
590
  
 
Management evaluated the securities in the above tables and concluded that none of the securities with losses has impairments that are other-than-temporary.  The unrealized losses on investments in mortgage-backed securities were caused by interest rate changes and market conditions.  Because the decline in fair value is attributable to changes in interest rates and market conditions and not credit quality, and because the Company has no intent to sell and believes it is not more than likely than not that it will be required to sell these investments until a market price recovery or maturity, these investments are not considered other-than-temporarily impaired.
19
Table of Contents
Oritani Financial Corp. and subsidiaries
Notes to Unaudited Consolidated Financial Statements

8. Deposits

Deposits include checking (non-interest and interest-bearing demand deposits), money market, savings and time deposits. We had brokered deposits totaling $285.4 million and $248.4 million at March 31, 2016 and June 30, 2015, respectively.

 Deposit balances are summarized as follows:

 
March 31, 2016
    
June 30, 2015
  
 
Amount
    
Amount
  
 
(In thousands)
  
Checking accounts
  
$
469,035
    
$
436,172
  
Money market deposit accounts
    
654,117
      
589,012
  
Savings accounts
    
163,989
      
160,020
  
Time deposits
    
937,502
      
777,533
  
 
  
$
2,224,643
    
$
1,962,737
  

9. Derivatives and Hedging Activities

Oritani is exposed to certain risks regarding its ongoing business operations.  Derivative instruments are used to offset a portion of the Company's interest rate risk.  Specifically, the Company has utilized interest rate swaps to partially offset the interest rate risk inherent in the Company's balance sheet. The Company's interest rate derivatives are comprised entirely of interest rate swaps hedging floating-rate and forecasted issuances of floating rate liabilities and have been designed and accounted for as cash flow hedges.  Oritani recognizes interest rate swaps at fair value in the consolidated balance sheet with an offset recorded in Other Comprehensive Income and any hedging ineffectiveness is recorded in earnings.  The carrying value of interest rate derivatives is included in the balance of other assets or other liabilities and comprises the cumulative changes in the fair value of interest rate derivatives.  Such changes in fair value are offset against accumulated other comprehensive income.  These interest rate swaps are generally designated to hedge current and future brokered deposits or other variable rate wholesale funding obtained by the Company.

The Company formally assesses, both at the hedges' inception, and on an on-going basis, whether derivatives used in hedging transactions have been highly effective in offsetting changes in cash flows of hedged items and whether those derivatives are expected to remain highly effective in subsequent periods.  The Company discontinues hedge accounting when (a) it determines that a derivative is no longer effective in offsetting changes in cash flows of a hedged item; (b) the derivative expires or is sold, terminated or exercised; (c) probability exists that the forecasted transaction will no longer occur; or (d) management determines that designating the derivative as a hedging instrument is no longer appropriate.  In all cases in which hedge accounting is discontinued and a derivative remains outstanding, the Company will carry the derivative at fair value in the consolidated balance sheet, recognizing changes in fair value in current period income in the consolidated statement of income.

Oritani is exposed to credit-related losses in the event of nonperformance by the counterparties to the agreements.  Oritani controls the credit risk through selecting highly rated swap counterparties and monitoring procedures, and does not expect the swap counterparties to fail in meeting their contractual obligations.  Oritani only deals with primary swap dealers and believes that the credit risk inherent in these contracts was not significant during and at period end.  Oritani has the right to demand that the counterparties post collateral to cover any significant market value exposure to the counterparties in the portfolio of transactions in place with them.

At March 31, 2016, Oritani had 11 interest rate swap agreements with a total notional outstanding of $330.0 million.  These agreements all feature exchanges of fixed for variable payments covering various hedging periods maturing between 4/11/2016 and 7/11/2024.  The Company is paying fixed rates on these swaps ranging from 0.28 % to 3.67 %, in exchange for receiving variable payments linked to 1 month or 3 month LIBOR.  The fair value of securities pledged as collateral for the swaps at March 31, 2016 and June 30, 2015 was $21.0 million and $8.2 million, respectively.

The following table presents information regarding our derivative financial instruments at March 31, 2016 and June 30, 2015.

 
  
At March 31, 2016
  
    
Notional Amount
    
Fair Value
  
Asset derivatives
 Balance Sheet Line Item
 
(In thousands)
 
Cash flow hedge interest rate swaps-Gross unrealized gain
Other Assets
  
$
100,000
    
$
42
  
     
Liability derivatives
 
  
Cash flow hedge interest rate swaps-Gross unrealized loss
Other Liabilities
  
$
230,000
    
$
13,720
  

 
  
At June 30, 2015
  
    
Notional Amount
  
Fair Value
  
Liability derivatives
 Balance Sheet Line Item
 
  
(In thousands)
 
Cash flow hedge interest rate swaps-Gross unrealized loss
Other Liabilities
  
$
100,000
    
$
3,560
  
20
Table of Contents
Oritani Financial Corp. and subsidiaries
Notes to Unaudited Consolidated Financial Statements

10. Income Taxes

The Company files income tax returns in the United States federal jurisdiction and in New Jersey, Pennsylvania and New York state jurisdictions.

The Company is no longer subject to federal and state income tax examinations by tax authorities for years prior to 2011. Oritani Financial Corp.'s federal tax return for the tax year ended December 31, 2012 is currently under audit.  Our state and city tax returns are not currently under audit and have not been subject to an audit during the past five years.  The Company did not have any uncertain tax positions at March 31, 2016 and June 30, 2015.  The Company recognizes accrued interest and penalties related to unrecognized tax benefits, where applicable, in income tax expense.

11. Real Estate Joint Ventures, net and Real Estate Held for Investment

The Company accounts for investments in joint ventures under the equity method. The balance reflects the cost basis of investments, plus the Company's share of income earned on the joint venture operations, less cash distributions, including excess cash distributions, and the Company's share of losses on joint venture operations. Cash received in excess of the Company's recorded investment in a joint venture is recorded as unearned revenue in other liabilities.  The net book value of real estate joint ventures was $4.7 million and $6.1 million at March 31, 2016 and June 30, 2015, respectively.  Proceeds from the sale of three joint ventures for the three months ended March 31, 2016 were $2.9 million resulting in gross gains of $2.0 million.   Proceeds from the sale of ten joint ventures for the nine months ended March 31, 2016 were $16.6 million resulting in gross gains of $15.5 million.  Proceeds from the sale of one joint ventures for the three and nine months ended March 31, 2015 were $1.9 million resulting in gross gains of $2.0 million.  

Real estate held for investment includes the Company's undivided interest in real estate properties accounted for under the equity method and properties held for investment purposes. Cash received in excess of the Company's recorded investment for an undivided interest in real estate property is recorded as unearned revenue in other liabilities. The operations of the properties held for investment purposes are reflected in the financial results of the Company and included in the Other Income caption in the Income Statement. Properties held for investment purposes are carried at cost less accumulated depreciation. The net book value of real estate held for investment was $(31,000) and $(86,000) at March 31, 2016 and June 30, 2015, respectively.  There were no real estate held for investment sales during the three months ended March 31, 2016.   Proceeds from the sale of four real estate held for investment properties for the nine months ended March 31, 2016 were $16.0 million resulting in gross gains of $16.0 million.  There were no real estate held for investment sales during the three and nine months ended March 31, 2015. 

12. Fair Value Measurements
 
The Company adopted FASB ASC 820, "Fair Value Measurements and Disclosures," on July 1, 2008. Under ASC 820, fair value measurements are not adjusted for transaction costs. ASC 820 establishes a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (level 1 measurements) and the lowest priority to unobservable inputs (level 3 measurements). The three levels of the fair value hierarchy under FASB ASC 820 are described below:
 
Basis of Fair Value Measurement:
 
Level 1: Unadjusted quoted prices in active markets that are accessible at the measurement date for identical unrestricted assets or liabilities;
 
Level 2: Quoted prices in markets that are not active, or inputs that are observable either directly or indirectly, for substantially the full term of the asset or liability;
 
Level 3: Price or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e. supported with little or no market activity).
 
A financial instrument's level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.
 
Following are descriptions of the valuation methodologies and key inputs used to measure assets recorded at fair value, as well as a description of the methods and significant assumptions used to estimate fair value disclosures for financial instruments not recorded at fair value in their entirety on a recurring basis. The descriptions include an indication of the level of the fair value hierarchy in which the assets or liabilities are classified.
 
Cash and Cash Equivalents
 
Due to their short-term nature, the carrying amount of these instruments approximates fair value.
 
Securities
 
The Company records securities held to maturity at amortized cost and securities available for sale at fair value on a recurring basis. The majority of the Company's securities are fixed income instruments that are not quoted on an exchange, but are traded in active markets. The estimated fair values for securities are obtained from an independent nationally recognized third-party pricing service. Our independent pricing service provides us with prices which are primarily categorized as Level 2, as quoted prices in active markets for identical assets are generally not available for the majority of securities in our portfolio. Pricing services may employ modeling techniques in determining pricing. Inputs to these models include market spreads, dealer quotes, prepayment speeds, credit information and the instrument's terms and conditions, among other things. Management compares the pricing to a second independent pricing source for reasonableness. Equity securities are reported at Level 1 based on quoted market prices for identical securities in active markets.
21
Table of Contents
Oritani Financial Corp. and subsidiaries
Notes to Unaudited Consolidated Financial Statements

 
FHLB of New York Stock
 
FHLB of New York Stock is recorded at cost (par value) and evaluated for impairment based on the ultimate recoverability of the par value. There is no active market for this stock and no significant observable market data is available for this instrument. The Company considers the profitability and asset quality of FHLB, dividend payment history and recent redemption experience, when determining the ultimate recoverability of the par value. The Company believes its investment in FHLB stock is ultimately recoverable at par. The carrying amount of FHLB stock approximates fair value, since this is the amount for which it could be redeemed.
 
Loans
 
The Company does not record loans at fair value on a recurring basis. However, periodically, the Company records nonrecurring adjustments to the carrying value of loans based on fair value measurements. The estimated fair value for significant nonperforming loans and impaired loans are valued utilizing independent appraisals of the collateral securing such loans that rely upon quoted market prices for similar assets in active markets. These appraisals include adjustments to comparable assets based on the appraisers' market knowledge and experience. The appraisals may be  adjusted downward by management (0-20% adjustment rate and 0-10%  risk premium rate), as necessary, for changes in relevant valuation factors subsequent to the appraisal date and the timing of anticipated cash flows (0-8% discount rate).  The Company classifies impaired loans as Level 3.
 
Fair value for loans held for investment is estimated using portfolios of loans with similar financial characteristics. Loans are segregated by type such as residential, multifamily, commercial real estate, construction, land and consumer. Each loan category is further segmented into fixed and adjustable rate interest terms and by performing and nonperforming/impaired categories. Fair value of performing loans is estimated using a discounted cash flow model that employs a discount rate that reflects the current market pricing for loans with similar characteristics and remaining maturity, adjusted by an amount for estimated credit losses inherent in the portfolio at the balance sheet date. The rates take into account the expected yield curve. Fair values estimated in this manner do not fully incorporate an exit-price approach to fair value. The Company classifies the estimated fair value of loans held for investment as Level 3.
 
Real Estate Owned
 
Assets acquired through foreclosure or deed in lieu of foreclosure are recorded at fair value less estimated selling costs when acquired, thus establishing a new cost basis. Subsequently, real estate owned is carried at the lower of cost or fair value, less estimated selling costs. Fair value is generally based on independent appraisals. These appraisals include adjustments to comparable assets based on the appraisers' market knowledge and experience, and are considered Level 3. When an asset is acquired, the excess of the loan balance over fair value, less estimated liquidation costs (5%-20% discount rate), is charged to the allowance for loan losses.  If the estimated fair value of the asset declines, a write-down is recorded through expense. The valuation of foreclosed assets is subjective in nature and may be adjusted in the future because of changes in the economic conditions.
 
Deposit Liabilities
 
The estimated fair value of deposits with no stated maturity, such as checking, savings, and money market accounts, is equal to the amount payable on demand at the balance sheet date. The estimated fair value of term deposits is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities. The Company classifies the estimated fair value of term deposits as Level 2.
 
Borrowings
 
The book value of overnight borrowings approximates the estimated fair value. The estimated fair value of term borrowings is calculated based on the discounted cash flow of contractual amounts due, using market rates currently available for borrowings of similar amount and remaining maturity. The Company classifies the estimated fair value of term borrowings as Level 2.

Derivatives
 
The fair value of our interest rate swaps was estimated using Level 2 inputs.  The fair value was determined using third party prices that are based on discounted cash flow analyses using observed market interest rate curves and volatilities.
 
Commitments to Extend Credit and to Purchase or Sell Securities
 
The fair value of commitments to extend credit is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair value of commitments to purchase or sell securities is estimated based on bid quotations received from securities dealers. The fair value of off-balance-sheet commitments approximates book value.
22
Table of Contents
Oritani Financial Corp. and subsidiaries
Notes to Unaudited Consolidated Financial Statements

Assets and Liabilities Recorded at Fair Value on a Recurring Basis

The following tables present the recorded amount of assets and liabilities measured at fair value on a recurring basis as of March 31, 2016 and June 30, 2015 by level within the fair value hierarchy. There were no transfers between levels within the fair value hierarchy during the nine months ended March 31, 2016.

 
  
Fair Value as of March 31, 2016
    
Quoted Prices
in Active
Markets for
Identical
Assets
(Level 1)
    
Significant
Other
Observable
Inputs
(Level 2)
    
Unobservable
Inputs
(Level 3)
  
 
  
(In thousands)
  
Assets:
  
   
   
   
 
Equity Securities
  
$
1,128
    
$
1,128
    
$
—
    
$
—
  
Mortgage-backed securities available for sale
                                
FHLMC
    
980
      
—
      
980
      
—
  
FNMA
    
73,323
      
—
      
73,323
      
—
  
CMO
    
140,425
      
—
      
140,425
      
—
  
Total securities available for sale
    
215,856
      
1,128
      
214,728
      
—
  
                                 
Interest rate swaps
    
42
      
—
      
42
      
—
  
Total assets
  
$
215,898
    
$
1,128
    
$
214,770
    
$
—
  
                                 
 
                                
Liabilities:
                                
Interest rate swaps
  
$
13,720
    
$
—
    
$
13,720
    
$
—
  

 
  
Fair Value as of June 30, 2015
    
Quoted Prices
in Active
Markets for
Identical
Assets
(Level 1)
    
Significant
Other
Observable
Inputs
(Level 2)
    
Unobservable
Inputs
(Level 3)
  
 
  
(In thousands)
  
Assets:
  
   
   
   
 
Equity Securities
  
$
2,110
    
$
2,110
    
$
—
    
$
—
  
Mortgage-backed securities available for sale
                                
FHLMC
    
5,325
      
—
      
5,325
      
—
  
FNMA
    
36,855
      
—
      
36,855
      
—
  
CMO
    
214,673
      
—
      
214,673
      
—
  
Total securities available for sale
  
$
258,963
    
$
2,110
    
$
256,853
    
$
—
  
 
                                
Liabilities:
                                
Interest rate swaps
  
$
3,560
    
$
—
    
$
3,560
    
$
—
  
 
23
Table of Contents
Oritani Financial Corp. and subsidiaries
Notes to Unaudited Consolidated Financial Statements

Assets Recorded at Fair Value on a Nonrecurring Basis
 
The Company may be required, from time to time, to measure the fair value of certain other financial assets on a nonrecurring basis in accordance with U.S. GAAP. The adjustments to fair value usually result from the application of lower-of-cost-or-fair value accounting or write downs of individual assets.

The following tables present the recorded amount of assets measured at fair value on a nonrecurring basis as of March 31, 2016 and June 30, 2015 by level within the fair value hierarchy.

   
Fair Value as of March 31, 2016
    
Quoted Prices
in Active
Markets for
Identical
Assets
(Level 1)
    
Significant
Other
Observable
Inputs
(Level 2)
    
Unobservable
Inputs
(Level 3)
  
   
(In thousands)
  
Assets:
                
Impaired loans:
                
Residential
  
$
164
    
$
—
    
$
—
    
$
164
  
Residential commercial real estate
    
287
      
—
      
—
      
287
  
Other commercial real estate
    
6,905
      
—
      
—
      
6,905
  
Construction and land loans
    
9
      
—
      
—
      
9
  
Total impaired loans
    
7,365
      
—
      
—
      
7,365
  
Real estate owned
                                
Other commercial real estate
    
487
      
—
      
—
      
487
  
Total real estate owned
    
487
      
—
      
—
      
487
  
Total assets measured on a non-recurring basis
  
$
7,852
    
$
—
    
$
—
    
$
7,852
  

   
Fair Value as of June 30, 2015
    
Quoted Prices
in Active
Markets for
Identical
Assets
(Level 1)
    
Significant
Other
Observable
Inputs
(Level 2)
    
Unobservable
Inputs
(Level 3)
  
   
(In thousands)
  
Assets:
                
Impaired loans:
                
Residential
  
$
168
    
$
—
    
$
—
    
$
168
  
Residential commercial real estate
    
284
      
—
      
—
      
284
  
Other commercial real estate
    
8,187
      
—
      
—
      
8,187
  
Total impaired loans
    
8,639
      
—
      
—
      
8,639
  
Real estate owned
                                
Residential
    
1,435
      
—
      
—
      
1,435
  
Residential commercial real estate
    
1,202
      
—
      
—
      
1,202
  
Other commercial real estate
    
1,422
      
—
      
—
      
1,422
  
Total real estate owned
    
4,059
      
—
      
—
      
4,059
  
Total assets measured on a non-recurring basis
  
$
12,698
    
$
—
    
$
—
    
$
12,698
  
24
Table of Contents
Oritani Financial Corp. and subsidiaries
Notes to Unaudited Consolidated Financial Statements

Estimated Fair Value of Financial Instruments
 
The following tables present the carrying amount, estimated fair value, and placement in the fair value hierarchy of financial instruments not recorded at fair values in their entirety on a recurring basis on the Company's balance sheet at March 31, 2016 and June 30, 2015. These tables exclude financial instruments for which the carrying amount approximates fair value. Financial instruments for which the carrying amount approximates fair value include cash and cash equivalents, FHLB stock, non-maturity deposits, and overnight borrowings.
 
 
March 31, 2016
 
 
Carrying Amount
  
Fair Value
  
Quoted Prices
in Active
Markets for
Identical
Assets
(Level 1)
  
Significant
Other
Observable
Inputs
(Level 2)
  
Unobservable
Inputs
(Level 3)
  
 
(In thousands)
  
Financial assets:
 
 
 
 
 
Securities held to maturity
  
$
152,029
    
$
153,577
    
$
—
    
$
153,577
    
$
—
  
Loans, net (1)
    
3,017,736
      
3,042,594
      
—
      
—
      
3,042,594
  
Financial liabilities:
                                        
Time deposits
    
937,502
      
946,298
      
—
      
946,298
      
—
  
Term borrowings
    
571,515
      
582,436
      
—
      
582,436
      
—
  
 _____________
(1) Comprised of loans (including impaired loans), net of deferred loan fees and the allowance for loan losses.
 
 
June 30, 2015
  
 
Carrying Amount
  
Fair Value
  
Quoted Prices
in Active
Markets for
Identical
Assets
(Level 1)
  
Significant
Other
Observable
Inputs
(Level 2)
  
Unobservable
Inputs
(Level 3)
  
 
(In thousands)
  
Financial assets:
 
 
 
 
 
Securities held to maturity
  
$
107,990
    
$
107,749
    
$
—
    
$
107,749
    
$
—
  
Loans, net (1)
    
2,756,212
      
2,774,448
      
—
      
—
      
2,774,448
  
Financial liabilities:
                                        
Time deposits
    
777,533
      
785,466
      
—
      
785,466
      
—
  
Term borrowings
    
636,372
      
654,450
      
—
      
654,450
      
—
  
 ______________
(1) Comprised of loans (including impaired loans), net of deferred loan fees and the allowance for loan losses.
 
Limitations
 
Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company's entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company's financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates.
 
Fair value estimates are based on existing on- and off-balance-sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Significant assets and liabilities that are not considered financial assets or liabilities include the mortgage banking operation, deferred tax assets, and premises and equipment. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates.
25
Table of Contents
Oritani Financial Corp. and subsidiaries
Notes to Unaudited Consolidated Financial Statements

13. Other Comprehensive Income
 
The components of comprehensive income, both gross and net of tax, are presented for the periods below (in thousands):

 
  
Three months ended March 31,
    
Nine months ended March 31,
  
 
  
2016
    
2015
    
2016
    
2015
  
Gross:
  
   
   
   
 
Net income
  
$
17,989
    
$
17,184
    
$
63,233
    
$
48,420
  
Other comprehensive loss:
                                
Change in unrealized holding gain (loss) on securities available for sale
    
3,025
      
1,650
      
869
      
(102
)
Reclassification adjustment for security gains included in net income
    
—
      
(770
)
    
(604
)
    
(624
)
Amortization related to post-retirement obligations
    
56
      
23
      
168
      
68
  
Change in unrealized loss on interest rate swaps
    
(8,542
)
    
(2,384
)
    
(10,119
)
    
(6,333
)
Total other comprehensive loss
    
(5,461
)
    
(1,481
)
    
(9,686
)
    
(6,991
)
Total comprehensive income
    
12,528
      
15,703
      
53,547
      
41,429
  
Tax applicable to:
                                
Net income
    
6,676
      
6,227
      
23,887
      
17,256
  
Other comprehensive loss:
                                
Change in unrealized holding gain (loss) on securities available for sale
    
1,304
      
694
      
352
      
(45
)
Reclassification adjustment for security gains included in net income
    
—
      
(274
)
    
(261
)
    
(212
)
Amortization related to post-retirement obligations
    
25
      
9
      
72
      
28
  
Change in unrealized loss on interest rate swaps
    
(3,684
)
    
(1,009
)
    
(4,364
)
    
(2,680
)
Total other comprehensive loss
    
(2,355
)
    
(580
)
    
(4,201
)
    
(2,909
)
Total comprehensive income
    
4,321
      
5,647
      
19,686
      
14,347
  
Net of tax:
                                
Net income
    
11,313
      
10,957
      
39,346
      
31,164
  
Other comprehensive loss:
                                
Change in unrealized holding gain (loss) on securities available for sale
    
1,721
      
956
      
517
      
(57
)
Reclassification adjustment for security gains included in net income
    
—
      
(496
)
    
(343
)
    
(412
)
Amortization related to post-retirement obligations
    
31
      
14
      
96
      
40
  
Change in unrealized loss on interest rate swaps
    
(4,858
)
    
(1,375
)
    
(5,755
)
    
(3,653
)
Total other comprehensive loss
    
(3,106
)
    
(901
)
    
(5,485
)
    
(4,082
)
Total comprehensive income
  
$
8,207
    
$
10,056
    
$
33,861
    
$
27,082
  
 
26
Table of Contents
Oritani Financial Corp. and subsidiaries
Notes to Unaudited Consolidated Financial Statements

The following table presents the changes in the components of accumulated other comprehensive (loss) income, net of tax, for the nine months ended March 31, 2016 and 2015 (in thousands):

 
  
Unrealized Holding Loss on Securities Available for Sale
    
Post Retirement Obligations
    
Unrealized Holding Loss on Interest Rate Swaps
    
Accumulated Other Comprehensive (Loss), Net of Tax
  
Balance at June 30, 2015
  
$
1,496
    
$
(1,316
)
  
$
(2,028
)
  
$
(1,848
)
Net change
    
174
      
96
      
(5,755
)
    
(5,485
)
Balance at March 31, 2016
  
$
1,670
    
$
(1,220
)
  
$
(7,783
)
  
$
(7,333
)
 
                                
Balance at June 30, 2014
  
$
2,728
    
$
(617
)
  
$
83
    
$
2,194
  
Net change
    
(469
)
    
40
      
(3,653
)
    
(4,082
)
Balance at March 31, 2015
  
$
2,259
    
$
(577
)
  
$
(3,570
)
  
$
(1,888
)

The following table sets forth information about the amount reclassified from accumulated other comprehensive income (loss) to the consolidated statement of income and the affected line item in the statement where net income is presented (in thousands).
 
   
Three months ended March 31,
    
Nine months ended March 31,
  
 Accumulated Other Comprehensive Income (Loss) Component
 Affected line item in the Consolidated Statement of Income
  
2016
    
2015
    
2016
    
2015
  
Reclassification adjustment for security gains included in net income
Net gain on sale of securities available for sale
  
$
—
    
$
(770
)
  
$
(604
)
  
$
(624
)
 
 
                                
Amortization related to post-retirement obligations (1)
 
                                
Prior service cost
 
    
—
      
15
      
—
      
45
  
Net loss
 
    
56
      
8
      
168
      
23
  
 
  Compensation, payroll taxes and fringe benefits    
56
      
23
      
168
      
68
  
 
 
                                
 
  Total before tax    
56
      
(747
)
    
(436
)
    
(556
)
 
  Income tax benefit (expense)    
25
      
(265
)
    
(189
)
    
(184
)
 
  Net of tax    
31
      
(482
)
    
(247
)
    
(372
)
 
(1) These accumulated other comprehensive income (loss) components are included in the computations of net periodic benefit cost.  See Note 5. Postretirement Benefits.
27
Table of Contents
Oritani Financial Corp. and subsidiaries
Notes to Unaudited Consolidated Financial Statements

14. Recent Accounting Pronouncements

In March 2016, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") 2016-09 - Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting.  This ASU simplifies several aspects of the accounting for employee share-based payment transactions, including the income tax consequences, classification of awards as either equity or liabilities, and classification on the statement of cash flows.  This ASU is effective for financial statements issued for fiscal years beginning after December 15, 2016, and interim periods therein.  The Company is currently evaluating the impact of the adoption of this guidance on the Company's consolidated financial statements.

In March 2016, the FASB issued ASU 2016-07, "Investments—Equity Method and Joint Ventures (Topic 323): Simplifying the Transition to the Equity Method of Accounting." This ASU requires that the equity method investor add the cost of acquiring the additional interest in the investee to the current basis of the investor's previously held interest and adopt the equity method of accounting as of the date the investment becomes qualified for equity method accounting.  Therefore, upon qualifying for the equity method of accounting, no retroactive adjustment of the investment is required.  The amendments in this Update require that an entity that has an available for sale equity security that becomes qualified for the equity method of accounting recognize through earnings the unrealized holding gain or loss in accumulated other comprehensive income at the date the investment becomes qualified for use of the equity method.  The ASU is effective for all entities in fiscal years, and interim periods in those fiscal years, beginning after December 15, 2016.  Early adoption is permitted.  The new guidance will be applied prospectively to changes in ownership (or influence) after the adoption date.   The Company does not expect that the adoption of this guidance will have a significant impact on the Company's consolidated financial statements.

In March 2016, the FASB issued ASU 2016-05, " Derivatives and Hedging (Topic 815): Effect of Derivative Contract Novations on Existing Hedge Accounting Relationships (a consensus of the Emerging Issues Task Force))."  This ASU clarifies that a change in the counterparty to a derivative instrument (novation), that has been designated as a hedging instrument does not, on its own, require dedesignation of that hedge accounting relationship provided that all other hedge accounting criteria continue to be met.  This ASU is effective for financial statements issued for fiscal years beginning after December 15, 2016, and interim periods therein. Early adoption is permitted, including adoption in an interim period.  The Company does not expect that the adoption of this guidance will have a significant impact on the Company's consolidated financial statements.

In February 2016, the FASB issued ASU 2016-02 - Leases (Topic 842).  This ASU requires lessees to put most leases on their balance sheets but recognize expenses in the income statement in a manner similar to current accounting treatment.  This ASU changes the guidance on sale-leaseback transactions, initial direct costs and lease execution costs, and, for lessors, modifies the classification criteria and the accounting for sales-type and direct financing leases.  For public business entities, this ASU is effective for annual periods beginning after December 15, 2018, and interim periods therein. Entities are required to use a modified retrospective approach for leases that exist or are entered into after the beginning of the earliest comparative period in the financial statements.  The Company is currently evaluating the impact of the adoption of this guidance on the Company's consolidated financial statements.

In January 2016, the FASB issued ASU 2016-01, Recognition and Measurement of Financial Assets and Financial Liabilities, which is intended to improve the recognition and measurement of financial instruments.  The ASU revises an entity's accounting related to (1) the classification and measurement of investments in equity securities and (2) the presentation of certain fair value changes for financial liabilities measured at fair value.  It also amends certain disclosure requirements associated with the fair value of financial instruments.  The ASU is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2017.  The Company does not expect that the adoption of this guidance will have a significant impact on the Company's consolidated financial statements.

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Table of Contents
Oritani Financial Corp. and subsidiaries
Notes to Unaudited Consolidated Financial Statements
In January 2015, the FASB issued ASU 2015-01, Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items, which eliminates from U.S. GAAP the concept of an extraordinary item.  The Board released the new guidance as part of its simplification initiative, which, as explained in the ASU, is intended to "identify, evaluate and improve areas of U.S. GAAP for which cost and complexity can be reduced while maintaining or improving the usefulness of the information provided to the users of financial statements". To be considered an extraordinary item under existing U.S. GAAP, an event or transaction must be unusual in nature and must occur infrequently. As a result, an entity will no longer (1) segregate an extraordinary item from the results of ordinary operations; (2) separately present an extraordinary item on its income statement, net of tax, after income from continuing operations; and (3) disclose income taxes and earnings-per-share data applicable to an extraordinary item. However, the ASU does not affect the reporting and disclosure requirements for an event that is unusual in nature or that occurs infrequently. For all entities, the ASU is effective for annual periods beginning after December 15, 2015, and interim periods within those annual periods. Entities may apply the guidance prospectively or retrospectively to all prior periods presented in the financial statements. If an entity chooses to apply the guidance prospectively, it must disclose whether amounts included in income from continuing operations after adoption of the ASU are related to events and transactions previously recognized and classified as extraordinary items before the date of adoption. Early adoption is permitted if the guidance is applied as of the beginning of the annual period of adoption.  The Company does not expect that the adoption of this guidance will have a significant impact on the Company's consolidated financial statements.

In August 2014, the FASB issued ASU 2014-14, "Receivable-Troubled Debt Restructurings by Creditors (Subtopic 310-40): Classification of Certain Government-Guaranteed Mortgage Loans upon Foreclosure".  This update requires a mortgage loan to be derecognized and a separate receivable to be recognized upon foreclosure if the loan has a government guarantee that is non-separable from the loan before foreclosure, the creditor has the ability and intent to convey the real estate property to the guarantor, and any amount of the claim that is determined on the basis of the fair value of the real estate is fixed.  Additionally, the separate other receivable should be measured based on the amount of the loan balance (principal and interest) expected to be recovered from the guarantor upon foreclosure.  The amendments in this update are effective for annual periods and interim periods within those annual periods beginning after December 15, 2014.  We adopted this guidance on July 1, 2015 with no significant impact on the Company's consolidated financial statements.

In June 2014, the FASB issued ASU 2014-12, "Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period".  This update requires that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition.  This update is effective for interim and annual periods beginning after December 15, 2015.  The amendments can be applied prospectively to all awards granted or modified after the effective date or retrospectively to all awards with performance targets that are outstanding as of the beginning of the earliest annual period presented and to all new or modified awards thereafter.  We adopted this guidance on January 1, 2016 with no significant impact on the Company's consolidated financial statements.

In January 2014, the FASB issued ASU 2014-04, "Receivables-Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure (a consensus of the FASB Emerging Issues Task Force"), which clarifies that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement.  Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction.  The amendments in this update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014.  Early adoption is permitted.  We adopted this guidance on July 1, 2015 with no significant impact on the Company's consolidated financial statements.
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Table of Contents
Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations
 
Forward Looking Statements
 
This Quarterly Report contains certain "forward looking statements" within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Such forward looking statements may be identified by reference to a future period or periods, or by use of forward looking terminology, such as "may," "will," "believe," 'expect," "estimate," 'anticipate," "continue," or similar terms or variations on those terms, or the negative of those terms.  Forward looking statements are subject to numerous risks and uncertainties.  Factors that may cause actual results to differ materially from those contemplated by such forward-looking statements in addition to those risk factors disclosed in the Company's Annual Report on Form 10-K for the year ended June 30, 2015, include, but are not limited to, those related to the economic environment, particularly in the market areas in which Oritani Financial Corp. (the "Company") operates, competitive products and pricing, fiscal and monetary policies of the U.S. Government, changes in government regulations affecting financial institutions, including regulatory fees and capital requirements, changes in prevailing interest rates, acquisitions and the integration of acquired businesses, credit risk management, asset-liability management, the financial and securities markets and the availability of and costs associated with sources of liquidity.
 
The Company wishes to caution readers not to place undue reliance on any such forward looking statements, which speak only as of the date made.  The Company wishes to advise readers that the factors listed above could affect the Company's financial performance and could cause the Company's actual results for future periods to differ materially from any opinions or statements expressed with respect to future periods in any current statements.  The Company does not undertake and specifically declines any obligation to publicly release the results of any revisions, which may be made to any forward looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events.
 
Overview
 
Oritani Financial Corp. (the "Company") is a Delaware corporation that was incorporated in March 2010.  The Company is the stock holding company of Oritani Bank.  The Company owns 100% of the outstanding shares of common stock of the Bank.  The Company has engaged primarily in the business of holding the common stock of the Bank and two limited liability companies that own a variety of real estate investments.  In addition, the Company has engaged in limited lending to the real estate investment properties in which (either directly or through one of its subsidiaries) it maintains an ownership interest.   The Bank's principal business consists of attracting retail, commercial and municipal bank deposits from the general public and investing those deposits, together with funds generated from operations and borrowed funds, in multifamily and commercial real estate loans, one- to four-family residential mortgage loans as well as in second mortgage and equity loans, construction loans, business loans, other consumer loans, and investment securities.  The Bank originates loans primarily for investment and holds such loans in its portfolio.  Occasionally, the Bank will also enter into loan participations.  The Bank's primary sources of funds are deposits, borrowings, investment maturities and principal and interest payments on loans and securities.  The Bank's revenues are derived principally from interest on loans and securities as well as our investments in real estate and real estate joint ventures.  The Bank also generates revenue from fees and service charges and other income.  The Bank's results of operations depend significantly on its net interest income; which is the difference between the interest earned on interest-earning assets and the interest paid on interest-bearing liabilities.  The Bank's net interest income is primarily affected by the market interest rate environment, the shape of the U.S. Treasury yield curve, the timing of the re-pricing of interest-earning assets and interest-bearing liabilities, and the prepayment rate on its mortgage-related assets.  Provisions for loan losses and asset impairment charges can also have a significant impact on results of operations.  Other factors that may affect the Bank's results of operations are general and local economic and competitive conditions, government policies and actions of regulatory authorities.
 
The Bank's business strategy is to operate as a well-capitalized and profitable financial institution dedicated to providing exceptional personal service to its individual, business, and municipal customers. The Bank's primary focus has been, and will continue to be, organic growth in multifamily and commercial real estate lending.
 
Comparison of Financial Condition at March 31, 2016 and June 30, 2015
 
Total Assets. Total assets increased $250.3 million to $3.60 billion at March 31, 2016, from $3.35 billion at June 30, 2015.

Cash and Cash Equivalents. Cash and cash equivalents (which include fed funds and short term investments) decreased $4.0 million to $11.1 million at March 31, 2016, from $15.1 million at June 30, 2015.

Net Loans. Loans, net increased $261.5 million to $3.02 billion at March 31, 2016, from $2.76 billion at June 30, 2015.  The annualized growth rate for the period was 12.7%.  The increase in loans was primarily in residential commercial real estate (multifamily) which increased $257.1 million over the period.  The Company's primary strategic business objective is the organic growth of multifamily and commercial real estate loans.  Loan originations and purchases for the nine months ended March 31, 2016 totaled $522.7 million and $63.0 million, respectively.  Loan originations for the nine months ended March 31, 2015 totaled $520.8 million and there were no loan purchases over that period.  The Company continues to limit the origination of loans with certain features that are desirable to borrowers in the current market (primarily fixed rate periods greater than 5 years and interest only periods greater than one year). In addition, the Company recently elevated its underwriting standards regarding certain aspects of commercial real estate lending.  These decisions have a negative impact on loan growth however; management believes these restraints are in the best long term interests of the Company.
 

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Table of Contents
Delinquency and non performing asset information is provided below:

 
  
3/31/2016
    
12/31/2015
    
9/30/2015
    
6/30/2015
    
3/31/2015
  
 
  
(Dollars in thousands)
  
Delinquency Totals
  
   
   
   
   
 
30—59 days past due
  
$
2,930
    
$
6,320
    
$
8,188
    
$
2,535
    
$
5,126
  
60—89 days past due
    
1,184
      
404
      
190
      
416
      
291
  
Nonaccrual
    
9,989
      
10,880
      
10,879
      
12,575
      
13,191
  
Total
  
$
14,103
    
$
17,604
    
$
19,257
    
$
15,526
    
$
18,608
  
Non Performing Asset Totals
                                        
Nonaccrual loans, per above
  
$
9,989
    
$
10,880
    
$
10,879
    
$
12,575
    
$
13,191
  
Real Estate Owned
    
487
      
487
      
2,926
      
4,059
      
5,594
  
Total
  
$
10,476
    
$
11,367
    
$
13,805
    
$
16,634
    
$
18,785
  
Nonaccrual loans to total loans
    
0.33
%
    
0.37
%
    
0.39
%
    
0.45
%
    
0.48
%
Delinquent loans to total loans
    
0.46
%
    
0.60
%
    
0.69
%
    
0.55
%
    
0.68
%
Non performing assets to total assets
    
0.29
%
    
0.32
%
    
0.41
%
    
0.50
%
    
0.57
%

Delinquent loan and non performing asset totals continue to illustrate minimal credit issues at the Company.  In addition, of the $10.0 million in loans classified as nonaccrual at March 31, 2016, $7.7 million were fully current.

Securities Available For Sale ("AFS"). Securities AFS decreased $43.1 million to $215.9 million at March 31, 2016, from $259.0 million at June 30, 2015. The Company sold securities AFS totaling $38.4 million and purchased securities totaling $42.2 million.  The overall decrease in Securities AFS was due to principal payments that occurred over the period.
 
Securities Held To Maturity ("HTM").  Securities HTM increased $44.0 million to $152.0 million at March 31, 2016, from $108.0 million at June 30, 2015.  Purchases over the period totaled $60.1 million.

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Table of Contents
Investments in real estate joint ventures, net and real estate held for investment.  The Company previously announced its intention to explore the sale of the properties and interests in these portfolios.  The table below details the properties that have been sold:

           
Book
      
Entity
  
Type
    
Proceeds
    
Value
    
Gain
  
Oaklyn Associates
     a 
 
  
$
1,963
    
$
(125
)
  
$
2,088
  
Palisades Park
     b 
 
    
9,833
      
304
      
9,529
  
2015 Fiscal year
            
11,796
      
179
      
11,617
  
                                 
Madison Associates
     a 
 
    
2,453
      
(45
)
    
2,498
  
Van Buren Apartments
     a 
 
    
1,811
      
145
      
1,666
  
34 Grant LLC
     a 
 
    
342
      
297
      
45
  
Quarter Ended 9/30/2015
          
4,606
      
397
      
4,209
  
                                 
Hampshire Realty
     a 
 
    
1,469
      
(26
)
    
1,495
  
10 Landing Lane
     a 
 
    
5,807
      
(586
)
    
6,393
  
River Villa Mews, LLC
     a 
 
    
578
      
274
      
304
  
Marine View
     b 
 
    
4,697
      
648
      
4,049
  
Brighton Court Associates
     a 
 
    
1,206
      
80
      
1,126
  
Park Lane
     b 
 
    
7,021
      
(161
)
    
7,182
  
Parkway East
     b 
 
    
1,701
      
(360
)
    
2,061
  
Park View
     b 
 
    
2,555
      
(162
)
    
2,717
  
Quarter Ended 12/31/2015
            
25,034
      
(293
)
    
25,327
  
                                 
                                 
Hampshire Realty
     a 
 
    
1,621
      
140
      
1,481
  
Hampshire Realty
     a 
 
    
987
      
437
      
550
  
Hampshire Realty
     a 
 
    
340
      
362
      
(22
)
Quarter Ended 3/31/2016
            
2,948
      
939
      
2,009
  
                                 
2016 Fiscal Year
            
32,589
      
1,043
      
31,546
  
                                 
Total Sales
          
$
44,385
    
$
1,222
    
$
43,163
  
                                 

a - Investment in real estate joint venture
    
b - Real estate held for investment
    

As of March 31, 2016, there were four entities remaining in the portfolios.  Three of these entities are under contract for sale and the remaining one is being marketed for sale.
 
Real Estate Owned ("REO"). REO decreased $3.6 million to $487,000 at March 31, 2016, from $4.1 million at June 30, 2015.  The balance at March 31, 2016 consisted of 2 properties and the balance at June 30, 2015 consisted of 8 properties.
 
Deposits. Deposits increased $261.9 million to $2.22 billion at March 31, 2016, from $1.96 billion at June 30, 2015.  The annualized growth rate for the period was 17.8%.  A substantial portion of the growth over the period was due to growth in time deposits and money markets, as such funds increased $160.0 million and $65.1 million, respectively, over the nine months ended March 31, 2016.  The Company has a strategy whereby premium deposits rates are paid on certain time deposits if the customer has a core account relationship with the Company.  This strategy has also allowed the Company to extend the duration of certain time deposit accounts.
 
Borrowings.  Borrowings decreased $33.9 million to $762.5 million at March 31, 2016, from $796.4 million at June 30, 2015.  Borrowings decreased as an increase in deposits allowed the Company to pay down borrowings as well as the impact of the balance sheet restructure, which is discussed in detail in the Company's Form 10-Q for the quarterly period ended December 31, 2015.

Stockholders' Equity.  Stockholders' equity increased $11.0 million to $528.7 million at March 31, 2016, from $517.7 million at June 30, 2015.  The increase was primarily due to the release of treasury stock in conjunction with the exercise of stock options, net income and the net impact of the amortization of stock based compensation plans, partially offset by dividends and the market value adjustments for securities available for sale and derivatives.  Dividends paid over the nine month period include three regular dividends, totaling $0.525 per share, as well as a $0.50 per share special dividend.  During the nine months ended March 31, 2016, 100,978 shares of stock were repurchased at a total cost of $1.6 million and an average cost of $15.77 per share.  Based on our March 31, 2016 closing price of $16.97 per share, the Company stock was trading at 144.7% of book value.
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Table of Contents

Average Balance Sheet for the Three and Nine months ended March 31, 2016 and 2015
 
The following tables present certain information regarding Oritani Financial Corp.'s financial condition and net interest income for the three and nine months ended March 31, 2016 and 2015.  The tables present the annualized average yield on interest-earning assets and the annualized average cost of interest-bearing liabilities.  We derived the yields and costs by dividing annualized income or expense by the average balance of interest-earning assets and interest-bearing liabilities, respectively, for the periods shown.  We derived average balances from daily balances over the periods indicated.  Interest income includes fees that we consider adjustments to yields, including prepayment penalties.

 
  
Average Balance Sheet and Yield/Rate Information
For the Three Months Ended (unaudited)
  
 
  
March 31, 2016
    
March 31, 2015
  
 
  
Average
Outstanding
Balance
    
Interest
Earned/Paid
    
Average
Yield/Rate
    
Average
Outstanding
Balance
    
Interest
Earned/
Paid
    
Average
Yield/Rate
  
 
  
(Dollars in thousands)
  
Interest-earning assets:
  
   
   
   
   
   
 
Loans (1)
  
$
2,923,374
    
$
31,061
      
4.25
%
  
$
2,664,046
    
$
30,772
      
4.62
%
Federal Home Loan Bank Stock
    
35,317
      
401
      
4.54
%
    
42,790
      
499
      
4.66
%
Securities available for sale
    
222,053
      
1,146
      
2.06
%
    
303,621
      
1,509
      
1.99
%
Securities held to maturity
    
156,053
      
738
      
1.89
%
    
86,814
      
451
      
2.08
%
Federal funds sold and short term investments
    
3,174
      
2
      
0.25
%
    
3,176
      
2
      
0.25
%
Total interest-earning assets
    
3,339,971
      
33,348
      
3.99
%
    
3,100,447
      
33,233
      
4.29
%
Non-interest-earning assets
    
179,556
                      
184,409
                  
Total assets
  
$
3,519,527
                    
$
3,284,856
                  
Interest-bearing liabilities:
                                                
Savings deposits
    
160,233
      
94
      
0.23
%
    
160,234
      
94
      
0.23
%
Money market
    
667,438
      
1,267
      
0.76
%
    
510,126
      
660
      
0.52
%
Checking accounts
    
453,202
      
417
      
0.37
%
    
454,567
      
415
      
0.37
%
Time deposits
    
924,317
      
2,850
      
1.23
%
    
724,803
      
1,860
      
1.03
%
Total deposits
    
2,205,190
      
4,628
      
0.84
%
    
1,849,730
      
3,029
      
0.66
%
Borrowings
    
707,474
      
3,569
      
2.02
%
    
858,059
      
5,583
      
2.60
%
Total interest-bearing liabilities
    
2,912,664
      
8,197
      
1.13
%
    
2,707,789
      
8,612
      
1.27
%
Non-interest-bearing liabilities
    
84,689
                      
69,424
                  
Total liabilities
    
2,997,353
                      
2,777,213
                  
Stockholders' equity
    
522,174
                      
507,643
                  
Total liabilities and stockholders' equity
  
$
3,519,527
                    
$
3,284,856
                  
Net interest income
          
$
25,151
                    
$
24,621
          
Net interest rate spread (2)
                    
2.86
%
                    
3.02
%
Net interest-earning assets (3)
  
$
427,307
                    
$
392,658
                  
Net interest margin (4)
                    
3.01
%
                    
3.18
%
Average of interest-earning assets to interest-bearing liabilities
                    
114.67
%
                    
114.50
%
 
(1) Average Outstanding Balance includes nonaccrual loans and interest earned includes prepayment income.
(2) Net interest rate spread represents the difference between the yield on average interest-earning assets and the cost of average interest-bearing liabilities.
(3) Net interest-earning assets represents total interest-earning assets less total interest-bearing liabilities.
(4) Net interest margin represents net interest income divided by average total interest-earning assets.
33
Table of Contents

 
  
Average Balance Sheet and Yield/Rate Information
For the Nine Months Ended (unaudited)
  
 
  
March 31, 2016
    
March 31, 2015
  
 
  
Average
Outstanding
Balance
    
Interest
Earned/Paid
    
Average
Yield/
Rate
    
Average
Outstanding
Balance
    
Interest
Earned/
Paid
    
Average
Yield/
Rate
  
 
  
(Dollars in thousands)
  
Interest-earning assets:
  
   
   
   
   
   
 
Loans (1)
  
$
2,831,404
    
$
92,998
      
4.38
%
    
2,597,496
    
$
91,540
      
4.70
%
Federal Home Loan Bank Stock
    
35,782
      
1,193
      
4.45
%
    
44,944
      
1,475
      
4.38
%
Securities available for sale
    
235,568
      
3,503
      
1.98
%
    
333,874
      
4,980
      
1.99
%
Securities held to maturity
    
134,718
      
1,972
      
1.95
%
    
79,804
      
1,265
      
2.11
%
Federal funds sold and short term investments
    
2,160
      
4
      
0.25
%
    
2,604
      
5
      
0.25
%
Total interest-earning assets
    
3,239,632
      
99,670
      
4.10
%
    
3,058,722
      
99,265
      
4.33
%
Non-interest-earning assets
    
182,471
                      
175,722
                  
Total assets
  
$
3,422,103
                    
$
3,234,444
                  
Interest-bearing liabilities:
                                                
Savings deposits
    
158,710
      
283
      
0.24
%
    
160,431
      
286
      
0.24
%
Money market
    
652,377
      
3,454
      
0.71
%
    
464,233
      
1,742
      
0.50
%
Checking accounts
    
445,890
      
1,231
      
0.37
%
    
454,023
      
1,333
      
0.39
%
Time deposits
    
848,378
      
7,778
      
1.22
%
    
670,829
      
5,125
      
1.02
%
Total deposits
    
2,105,355
      
12,746
      
0.81
%
    
1,749,516
      
8,486
      
0.65
%
Borrowings
    
709,244
      
12,330
      
2.32
%
    
902,558
      
17,144
      
2.53
%
Total interest-bearing liabilities
    
2,814,599
      
25,076
      
1.19
%
    
2,652,074
      
25,630
      
1.29
%
Non-interest-bearing liabilities
    
81,600
                      
65,229
                  
Total liabilities
    
2,896,199
                      
2,717,303
                  
Stockholders' equity
    
525,904
                      
517,141
                  
Total liabilities and stockholders' equity
  
$
3,422,103
                    
$
3,234,444
                  
Net interest income
          
$
74,594
                    
$
73,635
          
Net interest rate spread (2)
                    
2.91
%
                    
3.04
%
Net interest-earning assets (3)
  
$
425,033
                    
$
406,648
                  
Net interest margin (4)
                    
3.07
%
                    
3.21
%
Average of interest-earning assets to interest-bearing liabilities
                    
115.10
%
                    
115.33
%
 
(1) Average Outstanding Balance includes nonaccrual loans and interest earned includes prepayment income.
(2) Net interest rate spread represents the difference between the yield on average interest-earning assets and the cost of average interest-bearing liabilities.
(3) Net interest-earning assets represents total interest-earning assets less total interest-bearing liabilities.
(4) Net interest margin represents net interest income divided by average total interest-earning assets.


34
Table of Contents
Comparison of Operating Results for the Three months ended March 31, 2016 and 2015
 
Net Income.  Net income increased $356,000 to $11.3 million for the quarter ended March 31, 2016, from $11.0 million for the corresponding 2015 quarter.    Our annualized return on average assets was 1.29 % for the three months ended March 31, 2016, and 1.33 % for the three months ended March 31, 2015.
 
Interest Income. Total interest income increased $115,000 to $33.3 million for the three months ended March 31, 2016, from $33.2 million for the three months ended March 31, 2015.  The components of interest income for the three months ended March 31, 2016 and 2015, changed as follows:

 
  
Three months ended March 31,
    
Increase / (decrease)
  
 
  
2016
    
2015
    
   
   
 
 
  
Interest Income
    
Yield
    
Interest Income
    
Yield
    
Interest Income
    
Average
Balance
   
Yield
 
 
  
(Dollars in thousands)
  
Interest on mortgage loans
  
$
31,061
      
4.25
%
  
$
30,772
      
4.62
%
  
$
289
    
$
259,328
      
(0.37
)%
Dividends on FHLB stock
    
401
      
4.54
%
    
499
      
4.66
%
    
(98
)
    
(7,473
)
    
(0.12
)%
Interest on securities AFS
    
1,146
      
2.06
%
    
1,509
      
1.99
%
    
(363
)
    
(81,568
)
    
0.07
%
Interest on securities HTM
    
738
      
1.89
%
    
451
      
2.08
%
    
287
      
69,239
      
(0.19
)%
Interest on federal funds sold and short term investments
    
2
      
0.25
%
    
2
      
0.25
%
    
—
      
(2
)
    
0.00
%
Total interest income
  
$
33,348
      
3.99
%
  
$
33,233
      
4.29
%
  
$
115
    
$
239,524
      
(0.30
)%

The Company's primary strategic business objective is the organic growth of multifamily and commercial real estate loans.  The average balance of the loan portfolio increased $259.3 million, or 9.7%, for the three months ended March 31, 2016 versus the comparable 2015 period.  On a linked quarter basis (March 31, 2016 versus December 31, 2015), the annualized growth rates of the portfolio were 15.8% and 14.6%, when measured based on average and period end balances, respectively.  Loan originations and purchases totaled $187.0 million and $25.1 million, respectively, for the three months ended March 31, 2016.  See additional information under "Comparison of Financial Condition at March 31, 2016 and June 30, 2015 – Net Loans."

The yield on the loan portfolio decreased 37 basis points for the quarter ended March 31, 2016 versus the comparable 2015 period.  A portion of the decrease in yield is due to the impact of decreased prepayment penalties.  Absent prepayment penalties, the yield on the loan portfolio decreased 32 basis points over the periods.  Prepayment penalties totaled $997,000 for the quarter ended March 31, 2016 versus $1.3 million for the quarter ended March 31, 2015.  Prepayment penalties increased annualized loan yield by 14 basis points in the 2016 period versus 19 basis points in the 2015 period.  On a linked quarter basis, absent prepayment penalties, the yield on the loan portfolio decreased 10 basis points.  Prepayment penalties totaled $1.6 million for the quarter ended December 31, 2015.  The decreases continue a trend of decreased yield on loans and was primarily attributable to the impact of current market rates on new originations as well as refinancings, prepayments and repricings.  Competition for multifamily and commercial real estate loan originations remains elevated and the spread to alternative costs of funds remains lower than historical levels.  The market rates on new originations are below the average yield of the loan portfolio.  The vast majority of our multifamily and commercial real estate loan originations reprice in five years or less.  This discipline offers greater interest rate risk protection but provides lower yields than loans with longer fixed rate terms.  Total principal repayments of loans totaled $106.7 million for the quarter ended March 31, 2016 versus $112.4 million for the quarter ended December 31, 2015.  In addition to the prepayment penalty income frequently realized in conjunction with principal repayments, deferred fee income is also generally realized in conjunction with such repayments.  This income represents, primarily, origination fees that are recognized over the life of the loan.  Deferred fee amortization is accelerated and recognized as interest income when a loan is paid in full.   Prior period earnings included higher levels of principal repayments and deferred fee amortization, which positively impacted the yield on loans in those periods.  While principal repayments decreased marginally during the quarter ended March 31, 2016, the deferred fee earnings associated with these payments decreased to a greater extent as the loans that prepaid during the quarter ended December 31, 2015 had a higher level of remaining deferred fees.

The average balance of securities available for sale decreased $81.6 million for the three months ended March 31, 2016 versus the comparable 2015 period, while the average balance of securities held to maturity increased $69.2 million over the same period.  The Company has been classifying the majority of new purchases as held to maturity and $38.4 million of securities available for sale were sold over the preceding 12 months.  The overall level of securities was slightly reduced due to loan growth and the low rates of return available on investments.

35
Table of Contents
Interest Expense.  Total interest expense decreased $415,000 to $8.2 million for the three months ended March 31, 2016, from $8.6 million for the three months ended March 31, 2015.  The components of interest expense for the three months ended March 31, 2016 and 2015, changed as follows:

 
Three months ended March 31,
    
Increase / (decrease)
  
 
2016
    
2015
    
   
Average
    
 
 
Interest Expense
    
Cost
    
Interest Expense
    
Cost
    
Interest Expense
    
Balance
    
Cost
  
 
(Dollars in thousands)
  
Savings deposits
  
$
94
      
0.23
%
  
$
94
      
0.23
%
  
$
—
    
$
(1
)
    
0.00
%
Money market
    
1,267
      
0.76
%
    
660
      
0.52
%
    
607
      
157,312
      
0.24
%
Checking accounts
    
417
      
0.37
%
    
415
      
0.37
%
    
2
      
(1,365
)
    
0.00
%
Time deposits
    
2,850
      
1.23
%
    
1,860
      
1.03
%
    
990
      
199,514
      
0.20
%
Total deposits
    
4,628
      
0.84
%
    
3,029
      
0.66
%
    
1,599
      
355,460
      
0.18
%
Borrowings
    
3,569
      
2.02
%
    
5,583
      
2.60
%
    
(2,014
)
    
(150,585
)
    
(0.58
)%
   
$
8,197
      
1.13
%
  
$
8,612
      
1.27
%
  
$
(415
)
  
$
204,875
      
(0.14
)%

Strong deposit growth remains a priority for the Company.  As detailed above, the average balance of deposits increased $355.5 million for the quarter ended March 31, 2016 versus the comparable 2015 period, representing growth of 19.2%.  On a linked quarter comparison basis, the average balance of deposits increased $89.8 million, representing annualized growth of 17.0%.  A portion of the growth was due to brokered deposits.  However, absent the impact of brokered funds, the average balance of non-brokered deposits increased $267.9 million (growth rate of 16.6%) and $57.2 million (annualized growth rate of 12.5%) versus the quarters ended March 31, 2015, and December 31, 2015, respectively.  The overall cost of deposits increased 18 basis points for the quarter ended March 31, 2016 versus the comparable 2015 period.  The increased cost is primarily due to the costs of certain interest rate swaps that are now being reflected as interest expense on money market accounts.  The situation occurred as result of a balance sheet restructure that is discussed in detail in the Company's Form 10-Q for the quarterly period ended December 31, 2015.  On a linked quarter basis, deposit costs were flat.

As detailed in table above, the average balance of borrowings decreased $150.6 million for the three months ended March 31, 2016 versus the comparable 2015 period, while the cost decreased 58 basis points.  The average balance of borrowings decreased due to an increase in the average balance of deposits as well as the impact of the balance sheet restructure, which is discussed in detail in the Company's Form 10-Q for the quarterly period ended December 31, 2015.  The cost of borrowings was also affected by the balance sheet restructure.  On a linked quarter basis, the average balance increased $38.5 million and the cost of borrowings decreased 14 basis points.

36
Table of Contents
Net Interest Income Before Provision for Loan Losses.  Net interest income increased by $530,000 to $25.2 million for the three months ended March 31, 2016, from $24.6 million for the three months ended March 31, 2015  The Company's net interest income, spread and margin over the period are detailed in the chart below.
 
 
  
Including Prepayment Penalties
    
Excluding Prepayment Penalties*
  
For the Three Months Ended
  
Net Interest
Income Before
Provision
    
Spread
    
Margin
    
Net Interest
Income Before
Provision
    
Spread
    
Margin
  
 
  
(Dollars in thousands)
  
March 31, 2016
  
$
25,151
      
2.86
%
    
3.01
%
  
$
24,154
      
2.74
%
    
2.89
%
December 31, 2015
    
25,294
      
2.99
%
    
3.14
%
    
23,744
      
2.79
%
    
2.95
%
September 30, 2015
    
24,149
      
2.89
%
    
3.05
%
    
22,567
      
2.69
%
    
2.85
%
June 30, 2015
    
23,921
      
2.89
%
    
3.05
%
    
23,091
      
2.78
%
    
2.95
%
March 31, 2015
    
24,621
      
3.02
%
    
3.18
%
    
23,363
      
2.86
%
    
3.01
%
* Prepayment penalties on loans are excluded.
  

The Company's spread and margin have been significantly impacted by prepayment penalties.  Due to this situation, the chart above details results with and without the impact of prepayment penalties.  While prepayment penalty income is expected to continue, significant fluctuations in the level of prepayment income are also expected.  As discussed in "Total Interest Income," the decreased level of prepayments in the quarter ended March 31, 2016 also impacted the "Excluding Prepayment Penalties" result as the level of realized deferred fees, a yield enhancement, also decreased.

The Company's spread and margin remain under pressure due to several factors, including: the further flattening of the treasury yield curve; rates on new loan originations and investment purchases; modifications of loans within the existing loan portfolio; prepayments of higher yielding loans and investments; limited ability to reduce deposit and borrowing costs (without substantial penalty); and promotional interest costs to attract new deposit customers.  The rates on new loan originations are being impacted by increased competition.  The spread on new loan rates versus external sources of funds have decreased over the past year.  In addition, the Company typically originates loans that have a reset period of 5 years or less.  Such loans generally bear a lower rate of interest versus loans with a longer reset period.

The Company's net interest income and net interest rate spread were both negatively impacted in all periods due to the reversal of accrued interest income on loans delinquent more than 90 days.  The total of such income reversed was $120,000 and $174,000 for the three months ended March 31, 2016 and 2015, respectively.
37
Table of Contents

Provision for Loan Losses. The Company recorded no provision for loan losses for both the three months ended March 31, 2016 and the three months ended March 31, 2015.  A rollforward of the allowance for loan losses for the three months ended March 31, 2016 and 2015 is presented below:

 
  
Three months ended March 31,
  
 
  
2016
    
2015
  
 
  
(Dollars in thousands)
  
Balance at beginning of period
  
$
30,635
    
$
31,266
  
Provisions charged to operations
    
—
      
—
  
Recoveries of loans previously charged off
    
5
      
—
  
Loans charged off
    
(692
)
    
(377
)
Balance at end of period
  
$
29,948
    
$
30,889
  
Allowance for loan losses to total loans
    
0.98
%
    
1.12
%
Net charge-offs (annualized) to average loans outstanding
    
0.09
%
    
0.06
%

Delinquency and nonaccrual trends, changes in loan risk ratings, loan growth, charge-offs and economic and business conditions continue to have a meaningful impact on the determination of the level of provision for loan losses.  See additional information regarding the allowance for loan losses in Note 6 of the consolidated financial statements and "Comparison of Financial Condition at March 31, 2016 and June 30, 2015-Net Loans."
 
Other Income. Other income decreased $939,000 to $3.2 million for the three months ended March 31, 2016, from $4.1 million for the three months ended March 31, 2015.   The results for both periods were somewhat elevated as the Company continued its previously announced intention as to the strategic disposition of its investments in real estate joint ventures and real estate held for investment portfolios.  The pretax gain realized on such dispositions for each of the quarterly periods was $2.0 million.  See additional information under "Comparison of Financial Condition at March 31, 2016 and June 30, 2015-Investments in real estate joint ventures, net and real estate held for investment," regarding the sales of investments in real estate joint ventures and real estate held for investment.  Also, in the 2015 period, the Company sold $19.9 million of securities available for sale and realized a pretax gain of $770,000 on the transaction.  Net income from investments in real estate joint ventures increased by $147,000 for the three months ended March 31, 2016 as compared to the three months ended March 31, 2015, the increase is primarily due to a nonrecurring adjustment that decreased income in the 2015 period at one commercial property.  Income from real estate operations, net decreased by $250,000 for the three months ended March 31, 2016 as compared to the three months ended March 31, 2015.  Earnings from these two categories are expected to decrease as the Company continues to dispose of such properties.
 
Other Expenses. Other expenses decreased $1.2 million to $10.4 million for the three months ended March 31, 2016, from $11.6 million for the three months ended March 31, 2015.  The Company incurred an $806,000 prepayment penalty in connection with the prepayment of a FHLB advance in the 2015 period.  There was no similar expense for the three months ended March 31, 2016.  In addition, there was an increase of $255,000 in compensation, payroll taxes and fringe benefits which was offset by a decrease of $343,000 in real estate owned operations and a $265,000 decrease in other expenses.  The increase in compensation, payroll taxes and fringe benefits was predominantly due to increases in direct compensation, primarily due to additional staffing and salary adjustments.  The decrease in real estate owned operations was principally due to a valuation adjustment in the 2015 period on a property being marketed for sale that had attracted little potential purchaser interest.  The decrease in other expenses was primarily due to decreased costs associated with problem loans and collection efforts.
 
Income Tax Expense.  Income tax expense for the three months ended March 31, 2016 was $6.7 million on pre-tax income of $18.0 million, resulting in an effective tax rate of 37.1%.  Income tax expense for the three months ended March 31, 2015 was $6.2 million on pre-tax income of $17.2 million, resulting in an effective tax rate of 36.2%.   The increased effective tax rate in 2016 versus 2015 is attributable to increased taxable income generated by the sales of investments in real estate joint ventures and real estate held for investment during the 2016 period.
38
Table of Contents

Comparison of Operating Results for the Nine months ended March 31, 2016 and 2015
 
Net Income.  Net income increased $8.2 million to $39.3 million for the nine months ended March 31, 2016, from $31.2 million for the corresponding 2015 period.  The primary cause of the increase in the nine month period was profits on the sale of investments in real estate joint ventures, partially offset by prepayment fees on the prepayment of FHLB advances.  Our annualized return on average assets was 1.53 % for the nine months ended March 31, 2016, and 1.28 % for the nine months ended March 31, 2015.
 
Interest Income. Total interest income increased $405,000 to $99.7 million for the nine months ended March 31, 2016, from $99.3 million for the nine months ended March 31, 2015.  The components of interest income for the nine months ended March 31, 2016 and 2015, changed as follows:
 
 
  
Nine months ended March 31,
    
Increase / (decrease)
  
 
  
2016
    
2015
    
   
   
 
 
  
Interest Income
    
Yield
    
Interest Income
    
Yield
    
Interest Income
    
Average
Balance
    
Yield
  
 
  
(Dollars in thousands)
  
Interest on mortgage loans
  
$
92,998
      
4.38
%
  
$
91,540
      
4.70
%
  
$
1,458
    
$
233,908
      
(0.32
)%
Dividends on FHLB stock
    
1,193
      
4.45
%
    
1,475
      
4.38
%
    
(282
)
    
(9,162
)
    
0.07
%
Interest on securities AFS
    
3,503
      
1.98
%
    
4,980
      
1.99
%
    
(1,477
)
    
(98,306
)
    
(0.01
)%
Interest on securities HTM
    
1,972
      
1.95
%
    
1,265
      
2.11
%
    
707
      
54,914
      
(0.16
)%
Interest on federal funds sold and short term investments
    
4
      
0.25
%
    
5
      
0.25
%
    
(1
)
    
(444
)
    
0.00
%
   
$
99,670
      
4.10
%
  
$
99,265
      
4.33
%
  
$
405
    
$
180,910
      
(0.23
)%

The explanations provided in "Comparison of Operating Results for the Three Months Ended March 31, 2016 and 2015, Interest Income" regarding changes for the three month period comparison are also applicable to the nine month period comparison.  Prepayment penalties totaled $4.1 million for the nine months ended March 31, 2016 versus $4.4 million for the nine months ended March 31, 2015.   Prepayment penalties boosted annualized loan yield by 20 basis points in the 2016 period versus 23 basis points in the 2015 period.

Interest Expense. Total interest expense decreased $554,000 to $25.1 million for the nine months ended March 31, 2016, from $25.6 million for the nine months ended March 31, 2015.  The components of interest expense for the nine months ended March 31, 2016 and March 31, 2015, changed as follows:

 
Nine months ended March 31,
    
Increase / (decrease)
  
 
2016
    
2015
    
   
Average
    
 
 
Interest Expense
    
Cost
    
Interest Expense
    
Cost
    
Interest Expense
    
Balance
    
Cost
  
 
(Dollars in thousands)
  
Savings deposits
  
$
283
      
0.24
%
  
$
286
      
0.24
%
  
$
(3
)
  
$
(1,721
)
    
0.00
%
Money market
    
3,454
      
0.71
%
    
1,742
      
0.50
%
    
1,712
      
188,144
      
0.21
%
Checking accounts
    
1,231
      
0.37
%
    
1,333
      
0.39
%
    
(102
)
    
(8,133
)
    
(0.02
)%
Time deposits
    
7,778
      
1.22
%
    
5,125
      
1.02
%
    
2,653
      
177,549
      
0.20
%
Total deposits
    
12,746
      
0.81
%
    
8,486
      
0.65
%
    
4,260
      
355,839
      
0.16
%
Borrowings
    
12,330
      
2.32
%
    
17,144
      
2.53
%
    
(4,814
)
    
(193,314
)
    
(0.21
)%
   
$
25,076
      
1.19
%
  
$
25,630
      
1.29
%
  
$
(554
)
  
$
162,525
      
(0.10
)%
 
The explanations provided in "Comparison of Operating Results for the Three Months Ended March 31, 2016 and 2015, Interest Expense" for the three month period comparison regarding deposits and borrowings are also applicable to the nine month period comparison, however, the impact of the balance sheet restructure is mitigated due to the longer time period that is being measured.
39
Table of Contents

Net Interest Income Before Provision for Loan Losses.  Net interest income increased by $959,000 to $74.6 million for the nine months ended March 31, 2016, from $73.6 million for the nine months ended March 31, 2015.     The Company's net interest rate spread and margin decreased to 2.91% and 3.07% for the nine months ended March 31, 2016, from 3.04% and 3.21% for the nine months ended March 31, 2015, respectively.   The factors described in "Comparison of Operating Results for the Three Months Ended March 31, 2016 and 2015, Net Interest Income Before Provision for Loan Losses" also impacted the nine month periods.  The Company's net interest income and net interest rate spread were negatively impacted in both periods due to the reversal of accrued interest income on loans delinquent more than 90 days.  The Company's net interest income was reduced $419,000 and $702,000 for the nine months ended March 31, 2016 and 2015, respectively, due to the impact of nonaccrual loans.

Provision for Loan Losses. The Company recorded no provisions for loan losses for the nine months ended March 31, 2016 as compared to $200,000 for the nine months ended March 31, 2015.  A rollforward of the allowance for loan losses for the nine months ended March 31, 2016 and 2015 is presented below:

 
  
Nine months ended March 31,
  
 
  
2016
    
2015
  
 
  
(Dollars in thousands)
  
Balance at beginning of period
  
$
30,889
    
$
31,401
  
Provisions charged to operations
    
—
      
200
  
Recoveries of loans previously charged off
    
6
      
1
  
Loans charged off
    
(947
)
    
(713
)
Balance at end of period
  
$
29,948
    
$
30,889
  
Allowance for loan losses to total loans
    
0.98
%
    
1.12
%
Net charge-offs (annualized) to average loans outstanding
    
0.04
%
    
0.04
%
 
See discussion of the allowance for loan losses in "Comparison of Financial Condition at March 31, 2016 and June 30, 2015-Net Loans" and footnote 6 of the consolidated financial statements.
 
Other Income. Other income increased $28.7 million to $36.7 million for the nine months ended March 31, 2016 from $7.9 million for the nine months ended March 31, 2015.   While the nine month period was also impacted by the factors described in "Comparison of Operating Results for the Three Months Ended March 31, 2016 and 2015, Other Income", the magnitude of the net gain on sales of investments in real estate joint ventures and real estate held for investment was much greater.  Such sales realized a pretax gain of $31.5 million for the nine months ended March 31, 2016 versus $2.0 million for the comparable 2015 period.
 
Other Expenses.  Other expenses increased $15.1 million to $48.0 million for the nine months ended March 31, 2016, from $32.9 million for the nine months ended March 31, 2015.  The increase was primarily due to $13.9 million of prepayment fees incurred in connection with the prepayment of various FHLB advances in the 2016 period, versus $806,000 in the 2015 period.  The 2016 fees were incurred in conjunction with a balance sheet restructure, which is discussed in detail in the Company's Form 10-Q for the quarterly period ended December 31, 2015.  Compensation, payroll taxes and fringe benefits increased $3.1 million to $25.3 million for the nine months ended March 31, 2016, from $22.3 million for the nine months ended March 31, 2015.  In addition to the factors described in "Comparison of Operating Results for the Three Months Ended March 31, 2016 and 2015, Other Expenses" which are also applicable to the nine month period, there was an increase in ESOP expense.  The increase in ESOP expense was due to the impact of the special dividend and an increase in the cost for the plan which is based on the average stock price of the Company for the period.   Real estate owned operations decreased $1.1 million to $356,000 for the nine months ended March 31, 2016, from $1.5 million for the nine months ended March 31, 2015.  In addition to the factor described in "Comparison of Operating Results for the Three Months Ended March 31, 2016 and 2015, Other Expenses", a $900,000 valuation adjustment was recognized on a REO property in the December 2014 quarter.
 
Income Tax Expense. Income tax expense for the nine months ended March 31, 2016, was $23.9 million, due to pre-tax income of $63.2 million, resulting in an effective tax rate of 37.8%.  For the nine months ended March 31, 2015, income tax expense was $17.3 million, due to pre-tax income of $48.4 million, resulting in an effective tax rate of 35.6%.  The factor described in "Comparison of Operating Results for the Three Months Ended March 31, 2016 and 2015 - Income Tax Expense" regarding the increased effective tax rate is also applicable to the nine month period.
 
40
Table of Contents

Liquidity and Capital Resources
 
The Company's primary sources of funds are deposits, principal and interest payments on loans and mortgage-backed securities, FHLB borrowings and investment maturities.  While scheduled amortization of loans is a predictable source of funds, deposit flows and mortgage prepayments are greatly influenced by general interest rates, economic conditions and competition.  The Company has other sources of liquidity if a need for additional funds arises, including advances from the FHLB and Federal Reserve Bank of New York.
 
At March 31, 2016 and June 30, 2015, the Company had $191.0 million and $160.0 million in overnight borrowings from the FHLB, respectively.  The Company had total borrowings of $762.5 million at March 31, 2016 and $796.4 million at June 30, 2015.  The Company's total borrowings at March 31, 2016 include $571.5 million in longer term borrowings, $522.6 million with the FHLB and $48.9 million with other financial institutions.  In the normal course of business, the Company routinely enters into various commitments, primarily relating to the origination of loans.  At March 31, 2016, outstanding commitments to originate loans totaled $49.7 million and outstanding commitments to extend credit totaled $20.0 million.  The Company expects to have sufficient funds available to meet current commitments in the normal course of business.
 
Time deposits scheduled to mature in one year or less totaled $632.5 million at March 31, 2016.  Based upon historical experience, management estimates that a large portion of such deposits will remain with the Company.  The portion that remains will be significantly impacted by the renewal rates offered by the Company.
 
In July 2013, the Federal Reserve Board and the FDIC issued final rules implementing the Basel III regulatory capital framework and related Dodd-Frank Act changes.  The rules revise minimum capital requirements and adjust prompt corrective action thresholds.  Under the final rules, minimum requirements will increase for both the quantity and quality of capital held by the Company and the Bank. The rules include a new common equity Tier 1 capital to risk-weighted assets ratio of 4.5% and a common equity Tier 1 capital conservation buffer of 2.5% of risk-weighted assets.  The final rules also raise the minimum ratio of Tier 1 capital to risk-weighted assets from 4.0% to 6.0% and require a minimum leverage ratio of 4.0%.  The final rule became effective January 1, 2015, subject to a transition period for various components of the rule that require full compliance for the Company by January 1, 2019, including a capital conservation buffer of 2.5% of risk-weighted assets for which the transitional period begins at 0.625% on January 1, 2016, and will increase to 1.25% on January 1, 2017, 1.875% on January 1, 2018 and 2.50% on January 1, 2019.  The final capital rules impose restrictions on capital distributions and certain discretionary bonus payments if the minimum capital conservation buffer is not met.
 
As of March 31, 2016 and June 30, 2015, the Company and Bank exceeded all regulatory capital requirements, including the currently applicable capital conservation buffer of 0.625%, as follows:

 
March 31, 2016
  
 
Actual
  
Required
  
 
Amount
  
Ratio
  
Amount
  
Ratio
  
 
(Dollars in thousands)
  
Company:
        
Common Equity Tier 1 (CET1) (to risk-weighted assets)
  
$
536,050
      
17.01
%
  
$
141,837
      
4.500
%
Tier 1capital (to risk-weighted assets)
    
536,050
      
17.01
%
    
189,116
      
6.000
%
Total capital (to risk-weighted assets)
    
565,998
      
17.96
%
    
252,154
      
8.000
%
Tier 1 leverage capital (to average assets)
    
536,050
      
15.23
%
    
140,781
      
4.000
%
Capital Conservation Buffer
    
233,491
      
7.43
%
    
19,631
      
0.625
%

   
Actual
    
Required
  
   
Amount
    
Ratio
    
Amount
    
Ratio
  
   
(Dollars in thousands)
  
Bank:
                
Common Equity Tier 1 (CET1) (to risk-weighted assets)
  
$
454,910
      
14.48
%
  
$
141,346
      
4.500
%
Tier 1 capital (to risk-weighted assets)
    
454,910
      
14.48
%
    
188,461
      
6.000
%
Total capital (to risk-weighted assets)
    
484,772
      
15.43
%
    
251,281
      
8.000
%
Tier 1 leverage capital (to average assets)
    
454,910
      
13.02
%
    
139,710
      
4.000
%
Capital Conservation Buffer
    
313,844
      
9.96
%
    
19,700
      
0.625
%

 
June 30, 2015
  
 
Actual
  
Required
  
 
Amount
  
Ratio
  
Amount
  
Ratio
  
 
(Dollars in thousands)
  
Company:
 
 
 
 
Common Equity Tier 1 (CET1) (to risk-weighted assets)
  
$
519,518
      
17.79
%
  
$
131,428
      
4.50
%
Tier 1 capital (to risk-weighted assets)
    
519,518
      
17.79
%
    
175,238
      
6.00
%
Total capital (to risk-weighted assets)
    
550,408
      
18.85
%
    
233,651
      
8.00
%
Tier 1 leverage capital (to average assets)
    
519,518
      
15.67
%
    
132,641
      
4.00
%

 
  
   
   
   
 
 
Actual
    
Required
  
 
Amount
    
Ratio
    
Amount
    
Ratio
  
 
(Dollars in thousands)
  
Bank:
  
   
   
   
 
Common Equity Tier 1 (CET1) (to risk-weighted assets)
  
$
441,531
      
15.31
%
  
$
129,811
      
4.50
%
Tier 1 capital (to risk-weighted assets)
    
441,531
      
15.31
%
    
173,082
      
6.00
%
Total capital (to risk-weighted assets)
    
472,151
      
16.37
%
    
230,776
      
8.00
%
Tier 1 leverage capital (to average assets)
    
441,531
      
13.47
%
    
131,105
      
4.00
%
 
41
Table of Contents

Critical Accounting Policies
 
Note 1 to the Company's Audited Consolidated Financial Statements for the year ended June 30, 2015, included in the Company's Annual Report on Form 10-K, as supplemented by this report, contains a summary of significant accounting policies. Various elements of these accounting policies, by their nature, are inherently subject to estimation techniques, valuation assumptions and other subjective assessments. Certain assets and liabilities are carried in the consolidated Balance Sheets at fair value or the lower of cost or fair value. Policies with respect to the methodologies used to determine the allowance for loan losses and judgments regarding the valuation of securities and derivatives  as well as the valuation allowance against deferred tax assets are the most critical accounting policies because they are important to the presentation of the Company's financial condition and results of operations, involve a higher degree of complexity, and require management to make difficult and subjective judgments which often require assumptions or estimates about highly uncertain matters. The use of different judgments, assumptions, and estimates could result in material differences in the results of operations or financial condition. These critical accounting policies and their application are reviewed periodically and, at least annually, with the Audit Committee of the Board of Directors. For a further discussion of the critical accounting policies of the Company, see "Management's Discussion and Analysis of Financial Condition and Results of Operations" in the Company's Annual Report on Form 10-K, for the year ended June 30, 2015.

Item 3. Quantitative and Qualitative Disclosures About Market Risk
 
The majority of our assets and liabilities are monetary in nature. Consequently, our most significant form of market risk is interest rate risk. Our assets, consisting primarily of mortgage loans, have longer maturities than our liabilities, consisting primarily of deposits. As a result, a principal part of our business strategy is to manage interest rate risk and reduce the exposure of our net interest income to changes in market interest rates. Accordingly, our Board of Directors has the authority and responsibility for managing interest rate risk. Oritani Bank has established an Asset/Liability Management Committee, comprised of various members of its senior management, which is responsible for evaluating the interest rate risk inherent in our assets and liabilities, for recommending to the Board the level of risk that is appropriate, given our business strategy, operating environment, capital, liquidity and performance objectives, and for managing this risk consistent with the guidelines approved by the Board of Directors. The Asset/Liability Management Committee reports its activities to the Board on a monthly basis. An interest rate risk analysis is presented to the Board on a quarterly basis.
 
We have sought to manage our interest rate risk in order to minimize the exposure of our earnings and capital to changes in interest rates.  As part of our ongoing asset-liability management, we currently use the following strategies to manage our interest rate risk:

(i)
originating multifamily and commercial real estate loans that generally tend to have shorter interest duration and generally have interest rates that reset primarily at five years. The chart below provides maturity/repricing information for the entire loan portfolio, the majority of which is comprised of multifamily and commercial real estate loans;
(ii)
investing in shorter duration securities and mortgage-backed securities;
(iii)
obtaining general financing through FHLB advances with a fixed long term; and
(iv)
utilizing interest rate swaps or other derivative instruments

 
Loan Portfolio by Reprice/Maturity Date
At March 31, 2016
(Dollars in thousands)

Repricing or Maturing Within:
  
Amount
    
Weighted Average Rate
    
% of Total Loans
    
Cumulative % of Total Loans
  
1 Year or less
  
$
293,521
      
3.78
%
    
9.60
%
    
9.60
%
1 - 3 years
    
931,467
      
3.70
%
    
30.48
%
    
40.08
%
3 - 5 years
    
961,535
      
3.85
%
    
31.46
%
    
71.54
%
5 - 7 years
    
343,507
      
3.91
%
    
11.24
%
    
82.78
%
7 to 10 years
    
186,120
      
4.40
%
    
6.09
%
    
88.87
%
Greater than 10 years
    
340,060
      
4.83
%
    
11.13
%
    
100.00
%
Total
  
$
3,056,210
      
3.95
%
    
100.00
%
        
 
 At March 31, 2016 40.08 % of the loan portfolio matured or repriced in 3 years or less, and 71.54% matured or repriced in 5 years or less.
 
Shortening the average maturity of our interest-earning assets by increasing our investments in shorter-term loans and securities, as well as loans and securities with variable rates of interest, helps to better match the maturities and interest rates of our assets and liabilities, thereby reducing the exposure of our net interest income to changes in market interest rates.  In addition, if changes occur that cause the estimated duration of a security to lengthen significantly, management will consider the sale of such security.  By following these strategies, we believe that we are well-positioned to react to changes in market interest rates.
 
42
Table of Contents

Net Portfolio Value. We compute the amounts by which the net present value of cash flow from assets, liabilities and off balance sheet items (the institution's net portfolio value or "NPV") would change in the event of a range of assumed changes in market interest rates. A basis point equals one-hundredth of one percent, and 100 basis points equals one percent. An increase in interest rates from 3% to 4% would mean, for example, a 100 basis point increase in the "Change in Interest Rates" column below.
 

The table below sets forth, as of March 31, 2016, the estimated changes in our net portfolio value that would result from the designated instantaneous changes in the United States Treasury yield curve. Computations of prospective effects of hypothetical interest rate changes are based on numerous assumptions, including relative levels of market interest rates and loan prepayment and deposit decay rates, and should not be relied upon as indicative of actual results.
 
    
   
Estimated Increase
(Decrease) in NPV
    
NPV as a Percentage of
Present Value of Assets (3)
  
Change in Interest Rates (basis points) (1)
    
Estimated
NPV (2)
    
Amount
    
Percent
    
NPV Ratio (4)
    
Increase
(Decrease)
basis points
  
   
(Dollars in thousands)
  
 
+200
    
$
507,685
    
$
(79,062
)
    
(13.5
)%
    
14.6
%
    
(148
)
 
+100
      
548,727
      
(38,020
)
    
(6.5
)%
    
15.4
%
    
(65
)
 
—
      
586,747
      
—
      
0.0
%
    
16.0
%
    
—
  
 
(100
)
    
659,180
      
72,433
      
12.3
%
    
17.4
%
    
140
  
 
(1) Assumes an instantaneous uniform change in interest rates at all maturities.
(2) NPV is the discounted present value of expected cash flows from assets, liabilities and off-balance sheet contracts.
(3) Present value of assets represents the discounted present value of incoming cash flows on interest-earning assets.
(4) NPV Ratio represents NPV divided by the present value of assets.
 
The table above indicates that at March 31, 2016, in the event of a 100 basis point decrease in interest rates, we would experience an 12.3% increase in net portfolio value. In the event of a 200 basis point increase in interest rates, we would experience a 13.5% decrease in net portfolio value. These changes in net portfolio value are within the limitations established in our asset and liability management policies.
 
Certain shortcomings are inherent in the methodology used in the above interest rate risk measurement. Modeling changes in net portfolio value require making certain assumptions that may or may not reflect the manner in which actual yields and costs respond to changes in market interest rates. In this regard, the net portfolio value table presented assumes that the composition of our interest-sensitive assets and liabilities existing at the beginning of a period remains constant over the period being measured and assumes that a particular change in interest rates is reflected uniformly across the yield curve regardless of the duration or repricing of specific assets and liabilities. Accordingly, although the net portfolio value table provides an indication of our interest rate risk exposure at a particular point in time, such measurements are not intended to and do not provide a precise forecast of the effect of changes in market interest rates on our net interest income and will differ from actual results.
 
Item 4. Controls and Procedures
 
Under the supervision and with the participation of our management, including our Principal Executive Officer and Principal Financial Officer, we evaluated the effectiveness of the design and operation of our disclosure controls and procedures (as defined in Rule 13a-15(e) and 15d-15(e) under the Securities Exchange Act of 1934) as of the end of the period covered by this report. Based upon that evaluation, the Principal Executive Officer and Principal Financial Officer concluded that, as of the end of the period covered by this report, our disclosure controls and procedures were effective.
 
There were no changes made in the Company's internal controls over financial reporting that have materially affected, or are reasonably likely to materially affect, the Company's internal controls over financial reporting during the period covered by this report.
43
Table of Contents

Part II – Other Information

Item 1. Legal Proceedings
 
The Company and its subsidiaries are subject to various legal actions arising in the normal course of business. In the opinion of management, the resolution of these legal actions is not expected to have a material adverse effect on the Company's financial condition or results of operations.
 
Item 1A. Risk Factors

There have been no material changes from those risk factors previously disclosed in the Company's Annual Report on Form 10-K, filed with the Securities and Exchange Commission on September 14, 2015.
 
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds

(a) Unregistered Sale of Equity Securities. There were no sales of unregistered securities during the period covered by this report.
(b) Use of Proceeds. Not applicable.
(c) Repurchase of Our Equity Securities. There were no repurchases of our equity securities during the period covered by this report.



Item 3. Defaults Upon Senior Securities
 
Not applicable.
 
Item 4. Mine Safety Disclosures
 
Not applicable.
 
Item 5. Other Information
 
Not applicable.
44
Table of Contents

Item 6. Exhibits
 
The following exhibits are either filed as part of this report or are incorporated herein by reference:

3.1
 
Certificate of Incorporation of Oritani Financial Corp. *
3.2
 
Bylaws of Oritani Financial Corp. *
4
 
Form of Common Stock Certificate of Oritani Financial Corp. *
10.1
 
Employment Agreement between Oritani Financial Corp. and Kevin J. Lynch**, ****
10.2
 
Form of Employment Agreement between Oritani Financial Corp. and executive officers**,****
10.3
 
Oritani Bank Director Retirement Plan**, ****
10.4
 
Oritani Bank Benefit Equalization Plan**, ****
10.5
 
Oritani Bank Executive Supplemental Retirement Income Agreement**, ****
10.6
 
Form of Employee Stock Ownership Plan**, ****
10.7
 
Director Deferred Fee Plan**, ****
10.8
 
Oritani Financial Corp. 2007 Equity Incentive Plan**, ****
10.9
 
Oritani Financial Corp. 2011 Equity Incentive Plan***, ****
21
 
Subsidiaries of Registrant**
31.1
 
Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
31.2
 
Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
32
 
Certification of Chief Executive Officer and Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
101
 
Interactive data files pursuant to Rule 405 of Regulation S-T: (i) the Consolidated Statements of Financial Condition, (ii) the Consolidated Statements of Income, (iii) the Consolidated Statements of Comprehensive Income, (iv) the Consolidated Statements of Changes in Stockholders' Equity, (v) the Consolidated Statements of Cash Flows, and (vi) the Notes to Consolidated Financial Statements
101.INS
 
XBRL Instance Document
101.SCH
 
XBRL Taxonomy Extension Schema Document
101.CAL
 
XBRL Taxonomy Extension Calculation Linkbase Document
101.DEF
 
XBRL Taxonomy Extension Definition Linkbase Document
101.LAB
 
XBRL Taxonomy Extension Labels Linkbase Document
101.PRE
 
XBRL Taxonomy Extension Presentation Linkbase Document

*
Incorporated by reference to the Registration Statement on Form S-1 of Oritani Financial Corp. (file no. 333-165226), originally filed with the Securities and Exchange Commission on March 5, 2011.
**
Incorporated by reference to the Registration Statement on Form S-1 of Oritani Financial Corp. (file no. 333-137309), originally filed with the Securities and Exchange Commission on September 14, 2006.
***
Incorporated by reference to the Company's Proxy Statement for the 2011 Special Meeting of Stockholders filed with the Securities and Exchange Commission on June 27, 2011 (file No. 001-34786).
****
Available on our website www.oritani.com
*****
Management contract, compensatory plan or arrangement.
45
Table of Contents

SIGNATURES
 
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

 
 
ORITANI FINANCIAL CORP.
 
 
 
 
 
Date:
May 09, 2016
/s/ Kevin J. Lynch
 
 
 
Kevin J. Lynch
 
 
 
President and Chief Executive Officer
 
 
 
 
 
Date:
May 09, 2016
/s/ John M. Fields, Jr.
 
 
 
John M. Fields, Jr.
 
 
 
Executive Vice President and Chief Financial Officer
 


46



Exhibit 31.1
Certification of Chief Executive Officer
Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
I, Kevin J. Lynch, certify that:
 

 
1.
I have reviewed this Quarterly Report on Form 10-Q of Oritani Financial Corp., a Delaware corporation;
2.
 Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;
3.
Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;
4.
The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:
a.
Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
b.
Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
c.
Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
d.
Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and
5.
The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors:
a.
All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and
b.
Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.
Date:
May 09, 2016
 
/s/ Kevin J. Lynch
 
 
 
Kevin J. Lynch
 
 
 
President and Chief Executive Officer






Exhibit 31.2
Certification of Chief Financial Officer
Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002
I, John M. Fields, certify that:
 

 
1.
I have reviewed this Quarterly Report on Form 10-Q of Oritani Financial Corp., a Delaware corporation;
2.
 Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;
3.
Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;
4.
The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:
a.
Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
b.
Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
c.
Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
d.
Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and
5.
The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors:
a.
All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and
b.
Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.
Date:
May 09, 2016
 
/s/ John M. Fields, Jr.
 
 
 
John M. Fields, Jr.
 
 
 
Executive Vice President and Chief Financial Officer






Exhibit 32
Certification of Chief Executive Officer and Chief Financial Officer Pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002
Kevin J. Lynch, Chief Executive Officer and President of Oritani Financial Corp., a Delaware corporation (the “Company”) and John M. Fields, Executive Vice President and Chief Financial Officer of the Company, each certify in his capacity as an officer of the Company that he has reviewed the quarterly report on Form 10-Q for the quarter ended March 31, 2016 (the “Report”) and that to the best of his knowledge:
 
1.
the Report fully complies with the requirements of Sections 13(a) or 15(d) of the Securities Exchange Act of 1934; and

2.
the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.
 
Date:
May 09, 2016
 
/s/ Kevin J. Lynch
 
 
 
Kevin J. Lynch
 
 
 
President and Chief Executive Officer
Date:
May 09, 2016
 
/s/ John M. Fields, Jr.
 
 
 
John M. Fields, Jr.
 
 
 
Executive Vice President and Chief Financial Officer
A signed original of this written statement required by Section 906 has been provided to the Company and will be retained by the Company and furnished to the Securities and Exchange Commission or its staff upon request.



orit-20160331.xml
Attachment: XBRL INSTANCE DOCUMENT

orit-20160331.xsd
Attachment: XBRL TAXONOMY EXTENSION SCHEMA

orit-20160331_cal.xml
Attachment: XBRL TAXONOMY EXTENSION CALCULATION LINKBASE

orit-20160331_def.xml
Attachment: XBRL TAXONOMY EXTENSION DEFINITION LINKBASE

orit-20160331_lab.xml
Attachment: XBRL TAXONOMY EXTENSION LABEL LINKBASE

orit-20160331_pre.xml
Attachment: XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE

v3.4.0.3
Document and Entity Information - shares
 9 Months Ended
Mar. 31, 2016
May. 09, 2016
Document and Entity Information [Abstract]    
Entity Registrant Name Oritani Financial Corp  
Entity Central Index Key 0001483195  
Current Fiscal Year End Date --06-30  
Entity Well-known Seasoned Issuer No  
Entity Voluntary Filers No  
Entity Current Reporting Status Yes  
Entity Filer Category Accelerated Filer  
Entity Common Stock, Shares Outstanding   45,118,333
Document Fiscal Year Focus 2016  
Document Fiscal Period Focus Q3  
Document Type 10-Q  
Amendment Flag false  
Document Period End Date Mar. 31, 2016  
v3.4.0.3
Consolidated Balance Sheets (Unaudited) - USD ($)
$ in Thousands
Mar. 31, 2016
Jun. 30, 2015
Assets    
Cash on hand and in banks $ 9,454 $ 11,380
Federal funds sold and short term investments 1,637 3,749
Cash and cash equivalents 11,091 15,129
Loans, net 3,017,736 2,756,212
Securities available for sale, at fair value 215,856 258,963
Securities held to maturity, market value of $153,577 and $107,749, respectively. 152,029 107,990
Bank Owned Life Insurance (at cash surrender value) 92,653 90,609
Federal Home Loan Bank of New York stock ("FHLB"), at cost 36,712 39,898
Accrued interest receivable 9,906 9,266
Investments in real estate joint ventures, net 4,708 6,658
Real estate held for investment 0 655
Real estate owned 487 4,059
Office properties and equipment, net 14,489 14,431
Deferred tax assets, net 44,481 41,356
Other assets 3,226 7,839
Total Assets 3,603,374 3,353,065
Liabilities    
Deposits 2,224,643 1,962,737
Borrowings 762,515 796,372
Advance payments by borrowers for taxes and insurance 22,612 20,445
Other liabilities 64,887 55,841
Total Liabilities 3,074,657 2,835,395
Stockholders' Equity    
Common stock, $0.01 par value; 150,000,000 shares authorized; 56,245,065 shares issued; 45,066,727 shares outstanding at March 31, 2016 and 44,012,239 shares outstanding at June 30, 2015. 562 562
Additional paid-in capital 511,849 508,999
Unallocated common stock held by the employee stock ownership plan (20,819) (22,803)
Restricted Stock Awards (4,242) (8,088)
Treasury stock, at cost; 11,178,338 shares at March 31, 2016 and 12,232,826 shares at June 30, 2015. (148,574) (162,344)
Retained income 197,274 203,192
Accumulated other comprehensive (loss) income, net of tax (7,333) (1,848)
Total Stockholders' Equity 528,717 517,670
Total Liabilities and Stockholders' Equity $ 3,603,374 $ 3,353,065
v3.4.0.3
Consolidated Balance Sheets (Unaudited) (Parenthetical) - USD ($)
$ in Thousands
Mar. 31, 2016
Jun. 30, 2015
Assets    
Securities held to maturity, market value $ 153,577 $ 107,749
Stockholders' Equity    
Common stock, par value (in dollars per share) $ 0.01 $ 0.01
Common stock, shares authorized (in shares) 150,000,000 150,000,000
Common stock, shares issued (in shares) 56,245,065 56,245,065
Common stock, shares outstanding (in shares) 45,066,727 44,012,239
Treasury stock, shares (in shares) 11,178,338 12,232,826
v3.4.0.3
Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Mar. 31, 2016
Mar. 31, 2015
Mar. 31, 2016
Mar. 31, 2015
Interest income:        
Interest on mortgage loans $ 31,061 $ 30,772 $ 92,998 $ 91,540
Interest on securities available for sale 1,146 1,509 3,503 4,980
Interest on securities held to maturity 738 451 1,972 1,265
Dividends on FHLB stock 401 499 1,193 1,475
Interest on federal funds sold and short term investments 2 2 4 5
Total interest income 33,348 33,233 99,670 99,265
Interest expense:        
Deposits 4,628 3,029 12,746 8,486
Borrowings 3,569 5,583 12,330 17,144
Total interest expense 8,197 8,612 25,076 25,630
Net interest income before provision for loan losses 25,151 24,621 74,594 73,635
Provision for loan losses 0 0 0 200
Net interest income after provision for loan losses 25,151 24,621 74,594 73,435
Other income:        
Service charges 151 219 617 682
Real estate operations, net 23 273 294 941
Income from investments in real estate joint ventures 267 120 985 1,455
Bank-owned life insurance 670 677 2,044 1,869
Net gain on sale of assets 2,009 2,001 31,875 1,991
Net gain on sale of securities 0 770 604 768
Other income 70 69 238 211
Total other income 3,190 4,129 36,657 7,917
Other expenses:        
Compensation, payroll taxes and fringe benefits 7,573 7,318 25,332 22,272
Advertising 91 100 271 295
Office occupancy and equipment expense 817 889 2,224 2,310
Data processing service fees 506 485 1,520 1,420
Federal insurance premiums 402 397 1,200 1,175
Net expense from real estate operations 15 358 356 1,487
Long Term Debt Prepayment Fee 0 806 13,873 806
Other expenses 948 1,213 3,242 3,167
Total operating expenses 10,352 11,566 48,018 32,932
Income before income tax expense 17,989 17,184 63,233 48,420
Income tax expense 6,676 6,227 23,887 17,256
Net income $ 11,313 $ 10,957 $ 39,346 $ 31,164
Earnings per basic common share (in dollars per share) $ 0.27 $ 0.26 $ 0.95 $ 0.75
Earnings per diluted common share (in dollars per share) $ 0.26 $ 0.26 $ 0.92 $ 0.73
v3.4.0.3
Consolidated Statements of Comprehensive Income (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Mar. 31, 2016
Mar. 31, 2015
Mar. 31, 2016
Mar. 31, 2015
Consolidated Statements of Comprehensive Income (Unaudited) [Abstract]        
Net income $ 11,313 $ 10,957 $ 39,346 $ 31,164
Other comprehensive (loss) income, net of tax:        
Change in unrealized holding gain (loss) on securities available for sale 1,721 956 517 (57)
Reclassification adjustment for security losses included in net income 0 (496) (343) (412)
Amortization related to post-retirement obligations 31 14 96 40
Change in unrealized loss on interest rate swaps (4,858) (1,375) (5,755) (3,653)
Total other comprehensive loss (3,106) (901) (5,485) (4,082)
Total comprehensive income $ 8,207 $ 10,056 $ 33,861 $ 27,082
v3.4.0.3
Consolidated Statements of Stockholders' Equity (Unaudited) - USD ($)
$ in Thousands
Common Stock [Member]
Additional Paid-in Capital [Member]
Restricted Stock Awards [Member]
Treasury Stock [Member]
Unallocated Common Stock Held by ESOP [Member]
Retained Income [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Member]
Total
Balance at Jun. 30, 2014 $ 562 $ 504,434 $ (12,086) $ (140,451) $ (24,331) $ 195,970 $ 2,194 $ 526,292
Balance (in shares) at Jun. 30, 2014 45,499,332              
Increase (Decrease) in Stockholders' Equity [Roll Forward]                
Net income $ 0 0 0 0 0 31,164 0 31,164
Other comprehensive loss, net of tax 0 0 0 0 0 0 (4,082) (4,082)
Cash dividends declared 0 0 0 0 0 (32,307) 0 (32,307)
Purchase of treasury stock $ 0 0 0 (22,123) 0 0 0 (22,123)
Purchase of treasury stock (in shares) (1,507,803)              
Compensation cost for stock options and restricted stock $ 0 4,539 0 0 0 0 0 4,539
ESOP shares allocated or committed to be released 0 919 0 0 1,198 0 0 2,117
Exercise of stock options $ 0 0 0 775 0 (123) 0 652
Exercise of stock options (in shares) 58,710              
Vesting of restricted stock awards $ 0 (3,857) 3,893 0 0 (36) 0 0
Forfeiture of restricted stock awards $ 0 0 81 (81) 0 0 0 0
Forfeiture of restricted stock awards (in shares) (6,400)              
Tax benefit from stock-based compensation $ 0 483 0 0 0 0 0 483
Balance at Mar. 31, 2015 $ 562 506,518 (8,112) (161,880) (23,133) 194,668 (1,888) 506,735
Balance (in shares) at Mar. 31, 2015 44,043,839              
Balance at Jun. 30, 2015 $ 562 508,999 (8,088) (162,344) (22,803) 203,192 (1,848) $ 517,670
Balance (in shares) at Jun. 30, 2015 44,012,239             44,012,239
Increase (Decrease) in Stockholders' Equity [Roll Forward]                
Net income $ 0 0 0 0 0 39,346 0 $ 39,346
Other comprehensive loss, net of tax 0 0 0 0 0 0 (5,485) (5,485)
Cash dividends declared 0 0 0 0 0 (42,556) 0 (42,556)
Purchase of treasury stock $ 0 0 0 (1,593) 0 0 0 (1,593)
Purchase of treasury stock (in shares) (100,978)              
Issuance of restricted stock awards $ 0 0 (133) 133 0 0 0 0
Issuance of restricted stock awards (in shares) 10,000              
Compensation cost for stock options and restricted stock $ 0 4,483 0 0 0 0 0 4,483
ESOP shares allocated or committed to be released 0 1,756 0 0 1,984 0 0 3,740
Exercise of stock options $ 0 0 0 15,303 0 (2,689) 0 12,614
Exercise of stock options (in shares) 1,151,466              
Vesting of restricted stock awards $ 0 (3,887) 3,906 0 0 (19) 0 0
Forfeiture of restricted stock awards $ 0 0 73 (73) 0 0 0 0
Forfeiture of restricted stock awards (in shares) (6,000)              
Tax benefit from stock-based compensation $ 0 498 0 0 0 0 0 498
Balance at Mar. 31, 2016 $ 562 $ 511,849 $ (4,242) $ (148,574) $ (20,819) $ 197,274 $ (7,333) $ 528,717
Balance (in shares) at Mar. 31, 2016 45,066,727             45,066,727
v3.4.0.3
Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
 9 Months Ended
Mar. 31, 2016
Mar. 31, 2015
Cash flows from operating activities:    
Net income $ 39,346 $ 31,164
Adjustments to reconcile net income to net cash provided by operating activities:    
ESOP and stock-based compensation expense 8,223 6,656
Depreciation of premises and equipment 673 712
Net amortization and accretion of premiums and discounts on securities 879 953
Provision for loan losses 0 200
Amortization and accretion of deferred loan fees, net (2,659) (2,713)
Decrease (increase) in deferred taxes 1,051 (1,588)
Gain on sale of investment securities (604) (768)
(Gain) loss on sale of real estate owned (328) 9
Writedown of real estate owned 250 1,130
Proceeds from sale of real estate owned 3,967 66
Gain on sale of real estate joint ventures and real estate investments (31,547) (2,000)
Increase in cash surrender value of bank owned life insurance (2,044) (1,869)
(Increase) decrease in accrued interest receivable (640) 875
Increase in other assets (5,298) (1,495)
Increase in other liabilities 10,292 4,784
Net cash provided by operating activities 21,561 36,116
Cash flows from investing activities:    
Net increase in loans receivable (196,162) (210,894)
Purchase of mortgage loans (63,020) 0
Purchase of securities available for sale (42,213) 0
Purchase of securities held to maturity (60,102) (62,850)
Proceeds from payments, calls and maturities of securities available for sale 46,662 64,231
Proceeds from payments, calls and maturities of securities held to maturity 15,727 6,631
Proceeds from sales of securities available for sale 38,985 37,912
Proceeds from sales of securities held to maturity 0 3,375
Purchase of Bank Owned Life Insurance 0 (20,000)
Net decrease in Federal Home Loan Bank of New York stock 3,186 10,017
Net increase in real estate held for investment (21) (98)
Proceeds from sales of real estate joint ventures and real estate investments 32,590 1,875
Net decrease (increase) in real estate joint ventures 337 (227)
Purchase of fixed assets (747) (307)
Net cash used in investing activities (224,778) (170,335)
Cash flows from financing activities:    
Net increase in deposits 261,906 369,454
Purchase of treasury stock (1,593) (22,123)
Dividends paid to shareholders (42,556) (32,307)
Exercise of stock options 12,614 652
Increase in advance payments by borrowers for taxes and insurance 2,167 4,769
Proceeds from borrowed funds 161,143 100,801
Repayment of borrowed funds (195,000) (293,750)
Tax benefit from stock based compensation 498 483
Net cash provided by financing activities 199,179 127,979
Net decrease in cash and cash equivalents (4,038) (6,240)
Cash and cash equivalents at beginning of period 15,129 18,931
Cash and cash equivalents at end of period 11,091 12,691
Cash paid during the period for:    
Interest 25,480 26,665
Income taxes 21,554 13,908
Noncash transfer    
Loans receivable transferred to real estate owned $ 317 $ 2,949
v3.4.0.3
Basis of Presentation
 9 Months Ended
Mar. 31, 2016
Basis of Presentation [Abstract]  
Basis of Presentation

The consolidated financial statements are composed of the accounts of Oritani Financial Corp., its wholly owned subsidiaries, Oritani Bank ("the Bank"); Hampshire Financial, LLC, and Oritani, LLC, and the wholly owned subsidiaries of Oritani Bank; Oritani Finance Company, Ormon LLC ("Ormon"), and Oritani Investment Corp., as well as its wholly owned subsidiary, Oritani Asset Corporation (a real estate investment trust), (collectively, the "Company").  Intercompany balances and transactions have been eliminated in consolidation.

In the opinion of management, all of the adjustments (consisting of normal and recurring adjustments) necessary for the fair presentation of the consolidated financial condition and the consolidated results of operations for the unaudited periods presented have been included.  The results of operations and other data presented for the nine month period ended March 31, 2016 are not necessarily indicative of the results of operations that may be expected for the fiscal year ending June 30, 2016.

Certain information and note disclosures usually included in financial statements prepared in accordance with U.S. generally accepted accounting principles have been condensed or omitted pursuant to the rules and regulations of the Securities and Exchange Commission ("SEC") for the preparation of the Form 10-Q.  The consolidated financial statements presented should be read in conjunction with the Company's audited consolidated financial statements and notes to consolidated financial statements included in the Company's June 30, 2015 Annual Report on Form 10-K, filed with the SEC on September 14, 2015.

The consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America ("GAAP"). In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities presented in the Consolidated Balance Sheets at March 31, 2016 and June 30, 2015 and in the Consolidated Statements of Income for the three and nine months ended March 31, 2016 and 2015.  Actual results could differ significantly from those estimates.

A material estimate that is particularly susceptible to significant changes relates to the determination of the allowance for loan losses. The allowance for loan losses represents management's best estimate of losses known and inherent in the portfolio that are both probable and reasonable to estimate. While management uses the most current information available to estimate losses on loans, actual losses are dependent on future events and, as such, increases in the allowance for loan losses may be necessary.

In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Bank's allowance for loan losses. Such agencies may require the Bank to recognize additions to the allowance based on their judgments about information available to them at the time of their examination.
v3.4.0.3
Earnings Per Share ("EPS")
 9 Months Ended
Mar. 31, 2016
Earnings Per Share ("EPS") [Abstract]  
Earnings Per Share ("EPS")
2. Earnings Per Share ("EPS")

Basic earnings per share is computed by dividing income available to common stockholders by the weighted average number of common shares outstanding for the period. The weighted average common shares outstanding includes the average number of shares of common stock outstanding and allocated or committed to be released Employee Stock Ownership Plan shares.
 
Diluted earnings per share is computed using the same method as basic earnings per share, but reflects the potential dilution that could occur if stock options were exercised and converted into common stock.  These potentially dilutive shares would then be included in the weighted average number of shares outstanding for the period using the treasury stock method. When applying the treasury stock method, we add: (1) the assumed proceeds from option exercises; (2) the tax benefit that would have been credited to additional paid-in capital assuming exercise of non-qualified stock options and vesting of shares of restricted stock; and (3) the average unamortized compensation costs related to stock options. We then divide this sum by our average stock price to calculate shares assumed to be repurchased. The excess of the number of shares issuable over the number of shares assumed to be repurchased is added to basic weighted average common shares to calculate diluted EPS.

The following is a summary of the Company's earnings per share calculations and reconciliation of basic to diluted earnings per share.

 
 
Three months ended March 31,
  
Nine months ended March 31,
 
 
 
2016
  
2015
  
2016
  
2015
 
 
 
(In thousands, except per share data)
 
Net income
 
$
11,313
  
$
10,957
  
$
39,346
  
$
31,164
 
Weighted average common shares outstanding—basic
  
42,030
   
41,391
   
41,595
   
41,806
 
Effect of dilutive stock options outstanding
  
1,169
   
922
   
1,159
   
932
 
Weighted average common shares outstanding—diluted
  
43,199
   
42,313
   
42,754
   
42,738
 
Earnings per share-basic
 
$
0.27
  
$
0.26
  
$
0.95
  
$
0.75
 
Earnings per share-diluted
 
$
0.26
  
$
0.26
  
$
0.92
  
$
0.73
 
 
For the three months ended March 31, 2016 and 2015 there were 4,007 and 19,880 option shares, respectively, that could potentially dilute basic earnings per share in the future that were not included in the computation of diluted earnings per share because to do so would have been anti-dilutive for those periods.  Anti-dilutive shares for the nine months ended March 31, 2016 and 2015 were 5,250 and 20,111, respectively.
v3.4.0.3
Stock Repurchase Program
 9 Months Ended
Mar. 31, 2016
Stock Repurchase Program [Abstract]  
Stock Repurchase Program
3. Stock Repurchase Program
 
On March 4, 2015, the Board of Directors of the Company authorized a fourth stock repurchase plan pursuant to which the Company is authorized to repurchase up to 5% of the outstanding shares, or 2,205,451 shares.   At March 31, 2016, there are 1,987,506 shares yet to be purchased under the current plans.  At  March 31, 2016, a total of  13,179,026  shares were acquired under repurchase programs at a weighted average cost of  $13.28 per share.  The timing of the repurchases depend on certain factors, including but not limited to, market conditions and prices, the Company's liquidity and capital requirements, and alternative uses of capital.  Repurchased shares will be held as treasury stock and will be available for general corporate purposes.  The Company may conduct repurchases in accordance with a Rule 10b5-1 trading plan.  
v3.4.0.3
Equity Incentive Plans
 9 Months Ended
Mar. 31, 2016
Equity Incentive Plans [Abstract]  
Equity Incentive Plans
4. Equity Incentive Plans
 
The 2007 Equity Incentive Plan ("the 2007 Equity Plan") was approved by the Company's stockholders on April 22, 2008, which authorized the issuance of up to 4,172,817 shares of Company common stock pursuant to grants of incentive and non-statutory stock options, stock appreciation rights, and restricted stock awards.  The 2011 Equity Incentive Plan ("2011 Equity Plan") was approved by the Company's stockholders on July 26, 2011.  The 2011 Equity Plan authorized the issuance of up to 5,790,849 shares of the Company's common stock pursuant to grants of stock options, restricted stock awards and restricted stock units, with no more than 1,654,528 of the shares issued as restricted stock awards or restricted stock units.  Employees and outside directors of the Company or Oritani Bank are eligible to receive awards under the Equity Plans.
 
Stock options are granted at an exercise price equal to the market price of our common stock on the grant date, based on quoted market prices. Stock options generally vest over a five-year service period and expire ten years from issuance.  The vesting of the options accelerate upon death or disability, retirement or a change in control and expire 90 days after termination of service, excluding disability or retirement.  The Company recognizes compensation expense for all option grants over the awards' respective requisite service periods.  Management estimated the fair values of all option grants using the Black-Scholes option-pricing model.   Management estimated the expected life of the options using the simplified method.  The Treasury yield in effect at the time of the grant provides the risk-free rate for periods within the contractual life of the option.  The Company classified share-based compensation for employees and outside directors within "compensation, payroll taxes and fringe benefits" in the consolidated statements of income to correspond with the same line item as the cash compensation paid.

 The fair value of the options issued during the nine months ended March 31, 2016 was estimated using the Black-Scholes options-pricing model with the assumptions in the following table.  There were no options issued during the nine months ended March 31, 2015.

 
Nine months ended March 31, 2016
Option shares granted
 
20,000
Expected dividend yield
 
6.75%
Expected volatility
 
26.10%
Risk-free interest rate
 
2.03%
Expected option life
 
6.5

The following is a summary of the Company's stock option activity and related information as of March 31, 2016 and changes therein during the nine months then ended:

 
 
Number of Stock Options
  
Weighted Average GrantDate Fair Value
  
Weighted Average Exercise Price
  
Weighted Average Remaining Contractual Life (years)
 
Outstanding at June 30, 2015
  
5,900,164
  
$
2.57
  
$
11.50
   
5.8
 
Granted
  
20,000
   
1.64
   
15.89
   
10.0
 
Exercised
  
(1,151,466
)
  
2.43
   
10.95
   
3.4
 
Forfeited
  
(20,000
)
  
2.69
   
12.65
   
6.2
 
Outstanding at March 31, 2016
  
4,748,698
  
$
2.59
  
$
11.64
   
5.5
 
Exercisable at March 31, 2016
  
3,910,912
  
$
2.58
  
$
11.50
   
4.4
 
 
The Company recorded $522,000 and $536,000 of share based compensation expense related to the options granted for the three months ended March 31, 2016 and 2015, respectively.  The Company recorded $1.6 million of share based compensation expense related to the options granted for both nine month periods ended March 31, 2016 and 2015.   Expected future expense related to the non-vested options outstanding at March 31, 2016 is $911,000 over a weighted average period of 0.5 years. Upon exercise of vested options, management expects to draw on treasury stock as the source of the shares.


Restricted stock shares vest over a five-year service period on the anniversary date of the grant. Vesting of the restricted stock shares accelerate upon death or disability, retirement or a change in control. The product of the number of shares granted and the grant date market price of the Company's common stock determines the fair value of restricted shares under the Company's restricted stock plan. The Company recognizes compensation expense for the fair value of restricted shares on a straight-line basis over the requisite service period.
 
The following is a summary of the status of the Company's restricted stock shares as of March 31, 2016 and changes therein during the nine months then ended:

 
 
Number of Shares Awarded
  
Weighted Average Grant Date Fair Value
 
Non-vested at June 30, 2015
  
668,040
  
$
12.17
 
Granted
  
10,000
   
15.89
 
Vested
  
(322,553
)
  
12.05
 
Forfeited
  
(6,000
)
  
11.95
 
Non-vested at March 31, 2016
  
349,487
  
$
12.38
 
 
The Company recorded $966,000 and $976,000 of share based compensation expense related to the restricted stock shares for both of the three month ended March 31, 2016 and 2015, respectively.  The Company recorded $2.9 million of share based compensation expense related to the restricted stock shares for both nine month periods ended March 31, 2016 and 2015, respectively.   Expected future expense related to the non-vested restricted shares at March 31, 2016 is $1.9 million over a weighted average period of 0.7 years.
v3.4.0.3
Post-retirement Benefits
 9 Months Ended
Mar. 31, 2016
Post-retirement Benefits [Abstract]  
Post-retirement Benefits
5. Post-retirement Benefits
 
The Company provides several post-retirement benefit plans to directors and to certain active and retired employees. The Company has a nonqualified Directors' Retirement Plan ("Retirement Plan"), a nonqualified Benefit Equalization Plan ("BEP Plan"), which provides benefits to employees who are disallowed certain benefits under the Company's qualified benefit plans, and a Post Retirement Medical Plan ("Medical Plan") for directors and certain eligible employees.

Net periodic benefit costs for the three and nine months ended March 31, 2016 and 2015 are presented in the following tables.

 
Retirement Plan
  
BEP Plan
  
Medical Plan
 
 
Three months ended March 31,
 
 
2016
  
2015
  
2016
  
2015
  
2016
  
2015
 
 
(In thousands)
 
Service cost
 
$
44
  
$
37
  
$
—
  
$
—
  
$
19
  
$
31
 
Interest cost
  
57
   
51
   
12
   
10
   
59
   
45
 
Amortization of unrecognized:
                        
Prior service cost
  
—
   
15
   
—
   
—
   
—
   
—
 
Net loss
  
7
   
—
   
10
   
6
   
39
   
2
 
Total
 
$
108
  
$
103
  
$
22
  
$
16
  
$
117
  
$
78
 

 
 
Nine months ended March 31,
 
 
 
2016
  
2015
  
2016
  
2015
  
2016
  
2015
 
 
 
(In thousands)
 
Service cost
 
$
131
  
$
111
  
$
—
  
$
—
  
$
58
  
$
93
 
Interest cost
  
170
   
152
   
36
   
30
   
176
   
136
 
Amortization of unrecognized:
                        
Prior service cost
  
—
   
45
   
—
   
—
   
—
   
—
 
Net loss
  
22
   
—
   
30
   
18
   
116
   
5
 
Total
 
$
323
  
$
308
  
$
66
  
$
48
  
$
350
  
$
234
 
 
v3.4.0.3
Loans
 9 Months Ended
Mar. 31, 2016
Loans [Abstract]  
Loans
6. Loans, net
 
Loans, net are summarized as follows:

 
 
March 31, 2016
  
June 30, 2015
 
 
 
(In thousands)
 
Residential
 
$
217,270
  
$
186,342
 
Residential commercial real estate
  
1,486,911
   
1,229,816
 
Credit/grocery retail commercial real estate
  
458,025
   
481,216
 
Other commercial real estate
  
889,353
   
894,016
 
Construction and land loans
  
4,651
   
6,132
 
Total loans
  
3,056,210
   
2,797,522
 
Less:
        
Deferred loan fees, net
  
8,526
   
10,421
 
Allowance for loan losses
  
29,948
   
30,889
 
Loans, net
 
$
3,017,736
  
$
2,756,212
 
 
The Company's allowance for loan losses is analyzed quarterly and many factors are considered, including growth in the portfolio, delinquencies, nonaccrual loan levels, and other environmental factors.  There have been no material changes to the allowance for loan loss methodology as disclosed in the Company's Annual Report on Form 10-K, filed with the Securities and Exchange Commission on September 14, 2015.

The activity in the allowance for loan losses for the three and nine months ended March 31, 2016 and 2015 is summarized as follows:

 
Three months ended March 31,
 
Nine months ended March 31,
 
 
(In thousands)
 
 
2016
 
2015
 
2016
 
2015
 
Balance at beginning of period
 
$
30,635
  
$
31,266
  
$
30,889
  
$
31,401
 
Provisions for loan losses
  
—
   
—
   
—
   
200
 
Recoveries of loans previously charged off
  
5
   
—
   
6
   
1
 
Loans charged off
  
(692
)
  
(377
)
  
(947
)
  
(713
)
Balance at end of period
 
$
29,948
  
$
30,889
  
$
29,948
  
$
30,889
 
 

The following table provides the three and nine month activity in the allowance for loan losses allocated by loan category at March 31, 2016 and 2015.  The allowance for loan losses allocated to each category is not necessarily indicative of future losses in any particular category and does not restrict the use of the allowance to absorb losses in other categories.
 
 
Three months ended March 31, 2016
 
 
Residential
 
Residential commercial real estate
 
Credit/grocery retail commercial real estate
 
Other commercial real estate
 
Construction and land loans
 
Unallocated
 
Total
 
 
(In thousands)
 
Allowance for loan losses:
 
 
 
 
 
 
 
Beginning balance
 
$
1,518
  
$
10,893
  
$
3,654
  
$
13,858
  
$
712
  
$
—
  
$
30,635
 
Charge-offs
  
—
   
—
   
—
   
(692
)
  
—
   
—
   
(692
)
Recoveries
  
—
   
—
   
—
   
5
   
—
   
—
   
5
 
Provisions
  
(143
)
  
962
   
14
   
(431
)
  
(402
)
  
—
   
—
 
Ending balance
 
$
1,375
  
$
11,855
  
$
3,668
  
$
12,740
  
$
310
  
$
—
  
$
29,948
 

 
 
Nine months ended March 31, 2016
 
 
 
Residential
  
Residential commercial real estate
  
Credit/grocery retail commercial real estate
  
Other commercial real estate
  
Construction
and land loans
  
Unallocated
  
Total
 
 
 
(In thousands)
 
Allowance for loan losses:
 
  
  
  
  
  
  
 
Beginning balance
 
$
1,521
  
$
10,814
  
$
4,042
  
$
13,943
  
$
569
  
$
—
  
$
30,889
 
Charge-offs
  
(98
)
  
—
   
—
   
(849
)
  
—
   
—
   
(947
)
Recoveries
  
—
   
—
   
—
   
6
   
—
   
—
   
6
 
Provisions
  
(48
)
  
1,041
   
(374
)
  
(360
)
  
(259
)
  
—
   
—
 
Ending balance
 
$
1,375
  
$
11,855
  
$
3,668
  
$
12,740
  
$
310
  
$
—
  
$
29,948
 

 
 
Three months ended March 31, 2015
 
 
 
Residential
  
Residential commercial real estate
  
Credit/grocery retail commercial real estate
  
Other commercial real estate
  
Construction
and land loans
  
Unallocated
  
Total
 
 
 
(In thousands)
 
Allowance for loan losses:
 
  
  
  
  
  
  
 
Beginning balance
 
$
2,213
  
$
9,211
  
$
3,166
  
$
14,897
  
$
327
  
$
1,452
  
$
31,266
 
Charge-offs
  
(29
)
  
—
   
—
   
(348
)
  
—
   
—
   
(377
)
Recoveries
  
—
   
—
   
—
   
—
   
—
   
—
   
—
 
Provisions
  
526
   
(82
)
  
23
   
(392
)
  
(85
)
  
10
   
—
 
Ending balance
 
$
2,710
  
$
9,129
  
$
3,189
  
$
14,157
  
$
242
  
$
1,462
  
$
30,889
 

  
Nine months ended March 31, 2015
 
 
 
Residential
  
Residential commercial real estate
  
Credit/grocery retail commercial real estate
  
Other commercial real estate
  
Construction and land loans
  
Unallocated
  
Total
 
 
 
(In thousands)
 
Allowance for loan losses:
 
  
  
  
  
  
  
 
Beginning balance
 
$
1,568
  
$
5,327
  
$
2,652
  
$
17,995
  
$
1,108
  
$
2,751
  
$
31,401
 
Charge-offs
  
(333
)
  
—
   
—
   
(380
)
  
—
   
—
   
(713
)
Recoveries
  
—
   
—
   
—
   
—
   
1
   
—
   
1
 
Provisions
  
1,475
   
3,802
   
537
   
(3,458
)
  
(867
)
  
(1,289
)
  
200
 
Ending balance
 
$
2,710
  
$
9,129
  
$
3,189
  
$
14,157
  
$
242
  
$
1,462
  
$
30,889
 

The following table details the amount of loans receivables that are evaluated individually, and collectively, for impairment, and the related portion of allowance for loan loss that is allocated to each loan portfolio segment at March 31, 2016 and June 30, 2015.

  
At March 31, 2016
 
 
 
Residential
  
Residential commercial real estate
  
Credit/grocery retail commercial real estate
  
Other commercial real estate
  
Construction and land loans
  
Total
 
  
(In thousands)
 
Allowance for loan losses:
 
  
  
  
  
  
 
Individually evaluated for impairment
 
$
20
  
$
27
  
$
—
  
$
598
  
$
47
  
$
692
 
Collectively evaluated for impairment
  
1,355
   
11,828
   
3,668
   
12,142
   
263
   
29,256
 
Total
 
$
1,375
  
$
11,855
  
$
3,668
  
$
12,740
  
$
310
  
$
29,948
 
Loans receivable:
                        
Individually evaluated for impairment
 
$
3,631
  
$
314
  
$
—
  
$
9,406
  
$
56
  
$
13,407
 
Collectively evaluated for impairment
  
213,639
   
1,486,597
   
458,025
   
879,947
   
4,595
   
3,042,803
 
Total
 
$
217,270
  
$
1,486,911
  
$
458,025
  
$
889,353
  
$
4,651
  
$
3,056,210
 
 
                        

  
At June 30, 2015
 
 
 
Residential
  
Residential commercial real estate
  
Credit/grocery retail commercial real estate
  
Other commercial real estate
  
Construction
and land loans
  
Total
 
  
(In thousands)
 
Allowance for loan losses:
 
  
  
  
  
  
 
Individually evaluated for impairment
 
$
20
  
$
27
  
$
—
  
$
1,290
  
$
28
  
$
1,365
 
Collectively evaluated for impairment
  
1,501
   
10,787
   
4,042
   
12,653
   
541
   
29,524
 
Total
 
$
1,521
  
$
10,814
  
$
4,042
  
$
13,943
  
$
569
  
$
30,889
 
Loans receivable:
                        
Individually evaluated for impairment
 
$
3,780
  
$
311
  
$
—
  
$
11,439
  
$
224
  
$
15,754
 
Collectively evaluated for impairment
  
182,562
   
1,229,505
   
481,216
   
882,577
   
5,908
   
2,781,768
 
Total
 
$
186,342
  
$
1,229,816
  
$
481,216
  
$
894,016
  
$
6,132
  
$
2,797,522
 
 
The Company continuously monitors the credit quality of its loan portfolio.  In addition to internal staff, the Company utilizes the services of a third party loan review firm to evaluate the credit quality ratings of its loan receivables.  Credit quality is monitored by reviewing certain credit quality indicators.  Assets classified as "Satisfactory" are deemed to possess average to superior credit quality, requiring no more than normal attention.  Assets classified as "Pass/Watch" have generally acceptable asset quality yet possess higher risk characteristics/circumstances than satisfactory assets.  Such characteristics may include strained liquidity, slow pay, stale financial statements or other circumstances requiring greater attention from bank staff.  We classify an asset as "Special Mention" if the asset has a potential weakness that warrants management's close attention.  Such weaknesses, if left uncorrected, may result in the deterioration of the repayment prospects of the asset.  An asset is considered "Substandard" if it is inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any.  Substandard assets include those characterized by the distinct possibility that we will sustain some loss if the deficiencies are not corrected.  Assets classified as "Doubtful" have all of the weaknesses inherent in those classified substandard, with the added characteristic that the weaknesses present make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.  Included in the Substandard caption are all loans that were past due 90 days (or more) and all impaired loans.

The following table provides information about the loan credit quality at March 31, 2016 and June 30, 2015:

 
 
At March 31, 2016
 
 
 
Satisfactory
  
Pass/Watch
  
Special Mention
  
Substandard
  
Doubtful
  
Total
 
 
 
(In thousands)
 
Residential
 
$
193,151
  
$
18,599
  
$
757
  
$
4,763
  
$
—
  
$
217,270
 
Residential commercial real estate
  
1,476,405
   
8,033
   
2,159
   
314
   
—
   
1,486,911
 
Credit/grocery retail commercial real estate
  
442,502
   
15,523
   
—
   
—
   
—
   
458,025
 
Other commercial real estate
  
795,682
   
55,798
   
18,853
   
19,020
   
—
   
889,353
 
Construction and land loans
  
4,595
   
—
   
—
   
56
   
—
   
4,651
 
Total
 
$
2,912,335
  
$
97,953
  
$
21,769
  
$
24,153
  
$
—
  
$
3,056,210
 

 
 
At June 30, 2015
 
 
 
Satisfactory
  
Pass/Watch
  
Special Mention
  
Substandard
  
Doubtful
  
Total
 
 
 
(In thousands)
 
Residential
 
$
162,769
  
$
18,236
  
$
416
  
$
4,921
  
$
—
  
$
186,342
 
Residential commercial real estate
  
1,203,514
   
18,487
   
2,125
   
5,690
   
—
   
1,229,816
 
Credit/grocery retail commercial real estate
  
477,351
   
3,865
   
—
   
—
   
—
   
481,216
 
Other commercial real estate
  
790,076
   
68,689
   
15,366
   
19,885
   
—
   
894,016
 
Construction and land loans
  
5,908
   
—
   
—
   
224
   
—
   
6,132
 
Total
 
$
2,639,618
  
$
109,277
  
$
17,907
  
$
30,720
  
$
—
  
$
2,797,522
 
 
The following table provides information about loans past due at March 31, 2016 and June 30, 2015:

 
 
At March 31, 2016
 
 
 
30-59 Days Past Due
  
60-89 Days Past Due
  
90 days or More Past Due
  
Total Past Due
  
Current
  
Total Loans
  
Nonaccrual (1)
 
 
 
(In thousands)
 
Residential
 
$
1,398
  
$
756
  
$
684
  
$
2,838
  
$
214,432
  
$
217,270
  
$
1,317
 
Residential commercial real estate
  
—
   
—
   
—
   
—
   
1,486,911
   
1,486,911
   
314
 
Credit/grocery retail commercial real estate
  
—
   
—
   
—
   
—
   
458,025
   
458,025
   
—
 
Other commercial real estate
  
2,019
   
428
   
1,047
   
3,494
   
885,859
   
889,353
   
8,302
 
Construction and land loans
  
—
   
—
   
56
   
56
   
4,595
   
4,651
   
56
 
Total
 
$
3,417
  
$
1,184
  
$
1,787
  
$
6,388
  
$
3,049,822
  
$
3,056,210
  
$
9,989
 

 
 
At June 30, 2015
 
 
 
30-59 Days Past Due
  
60-89 Days Past Due
  
90 days or More Past Due
  
Total Past Due
  
Current
  
Total Loans
  
Nonaccrual (2)
 
 
 
(In thousands)
 
Residential
 
$
340
  
$
432
  
$
888
  
$
1,660
  
$
184,682
  
$
186,342
  
$
1,329
 
Residential commercial real estate
  
—
   
311
   
—
   
311
   
1,229,505
   
1,229,816
   
311
 
Credit/grocery retail commercial real estate
  
—
   
—
   
—
   
—
   
481,216
   
481,216
   
—
 
Other commercial real estate
  
3,278
   
—
   
3,569
   
6,847
   
887,169
   
894,016
   
10,711
 
Construction and land loans
  
—
   
—
   
224
   
224
   
5,908
   
6,132
   
224
 
Total
 
$
3,618
  
$
743
  
$
4,681
  
$
9,042
  
$
2,788,480
  
$
2,797,522
  
$
12,575
 

(1)
Included in nonaccrual loans at March 31, 2016 are residential loans totaling $266,000 and other commercial real estate loans totaling $221,000 that were 30-59 days past due; residential loans totaling $367,000, residential commercial real estate loans totaling $314,000 and other commercial real estate loans totaling $7.0 million that were current.
(2)
Included in nonaccrual loans at June 30, 2015 are other commercial real estate loans totaling $1.1 million that were 30-59 days past due; residential loans totaling $16,000 and residential commercial real estate loans totaling $311,000 that were 60-89 days past due; residential loans totaling $425,000 and other commercial real estate loans totaling $6.1 million that were current.


The Company defines an impaired loan as a loan for which it is probable, based on current information, that the Company will not collect all amounts due under the contractual terms of the loan agreement.  Loans we individually classify as impaired include multifamily, commercial mortgage and construction loans with balances of $1.0 million or more, unless a condition exists for loans less than $1.0 million that would increase the Bank's potential loss exposure.  At March 31, 2016 impaired loans were primarily collateral-dependent and totaled $13.4 million, of which $4.9 million had a specific allowance for credit losses of $692,000 and $8.5 million of impaired loans had no related allowance for credit losses.  At June 30, 2015 impaired loans were primarily collateral-dependent and totaled $15.8 million, of which $7.3 million  had a related allowance for credit losses of $1.4 million and $8.5 million of impaired loans had no related allowance for credit losses.

The following table provides information about the Company's impaired loans at March 31, 2016 and June 30, 2015:

 
 
Impaired Loans
 
 
 
At March 31, 2016
  
Nine months ended March 31, 2016
 
 
 
Recorded Investment
  
Unpaid Principal Balance
  
Allowance
  
Average Recorded Investment
  
Interest Income Recognized
 
 
 
(In thousands)
 
With no related allowance recorded:
 
  
  
  
  
 
Residential
 
$
3,447
  
$
3,447
  
$
—
  
$
3,525
  
$
106
 
Other commercial real estate
  
5,024
   
5,024
   
—
   
5,497
   
184
 
 
  
8,471
   
8,471
   
—
   
9,022
   
290
 
With an allowance recorded:
                    
Residential
 
$
164
  
$
184
  
$
20
  
$
166
  
$
—
 
Residential commercial real estate
  
287
   
314
   
27
   
291
   
—
 
Other commercial real estate
  
3,784
   
4,382
   
598
   
3,866
   
—
 
Construction and land loans
  
9
   
56
   
47
   
90
   
—
 
 
  
4,244
   
4,936
   
692
   
4,413
   
—
 
Total:
                    
Residential
 
$
3,611
  
$
3,631
  
$
20
  
$
3,691
  
$
106
 
Residential commercial real estate
  
287
   
314
   
27
   
291
   
—
 
Other commercial real estate
  
8,808
   
9,406
   
598
   
9,363
   
184
 
Construction and land loans
  
9
   
56
   
47
   
90
   
—
 
 
 
$
12,715
  
$
13,407
  
$
692
  
$
13,435
  
$
290
 

 
 
Impaired Loans
 
 
 
At June 30, 2015
  
Year ended June 30, 2015
 
 
 
Recorded Investment
  
Unpaid Principal Balance
  
Allowance
  
Average Recorded Investment
  
Interest Income Recognized
 
 
 
(In thousands)
 
With no related allowance recorded:
 
  
  
  
  
 
Residential
 
$
3,592
  
$
3,592
  
$
—
  
$
3,429
  
$
144
 
Other commercial real estate
  
4,892
   
4,892
   
—
   
4,912
   
82
 
 
  
8,484
   
8,484
   
—
   
8,341
   
226
 
With an allowance recorded:
                    
Residential
 
$
168
  
$
188
  
$
20
  
$
171
  
$
8
 
Residential commercial real estate
  
284
   
311
   
27
   
432
   
—
 
Other commercial real estate
  
5,257
   
6,547
   
1,290
   
5,719
   
46
 
Construction and land loans
  
196
   
224
   
28
   
275
   
—
 
 
  
5,905
   
7,270
   
1,365
   
6,597
   
54
 
Total:
                    
Residential
 
$
3,760
  
$
3,780
  
$
20
  
$
3,600
  
$
152
 
Residential commercial real estate
  
284
   
311
   
27
   
432
   
—
 
Other commercial real estate
  
10,149
   
11,439
   
1,290
   
10,631
   
128
 
Construction and land loans
  
196
   
224
   
28
   
275
   
—
 
 
 
$
14,389
  
$
15,754
  
$
1,365
  
$
14,938
  
$
280
 
 

Troubled debt restructured loans ("TDRs") are those loans whose terms have been modified because of deterioration in the financial condition of the borrower.  The Company has selectively modified certain borrower's loans to enable the borrower to emerge from delinquency and keep their loans current.  The eligibility of a borrower for a TDR modification depends upon the facts and circumstances of each transaction, which may change from period to period, and involve judgment by management regarding the likelihood that the modification will result in the maximum recovery by the Company.  Modifications could include extension of the terms of the loan, reduced interest rates, and forgiveness of accrued interest and/or principal.  Once an obligation has been restructured because of such credit problems, it continues to be considered restructured until paid in full or, if the obligation yields a market rate (a rate equal to or greater than the rate the Company was willing to accept at the time of the restructuring for a new loan with comparable risk), until the year subsequent to the year in which the restructuring takes place, provided the borrower has performed under the modified terms for a six month period.  Management classifies all TDRs as impaired loans.  Included in impaired loans at March 31, 2016 are $5.1 million of loans which are deemed TDRs.  At June 30, 2015, TDRs totaled $3.9 million.
 
The following table presents additional information regarding the Company's TDRs as of March 31, 2016 and June 30, 2015:

 
Troubled Debt Restructurings at March 31, 2016
 
 
Performing
 
Nonperforming
 
Total
 
 
(In thousands)
 
Residential
 
$
—
  
$
184
  
$
184
 
Residential commercial real estate
  
—
   
314
   
314
 
Other commercial real estate
  
394
   
4,148
   
4,542
 
Construction and land loans
  
—
   
56
   
56
 
Total
 
$
394
  
$
4,702
  
$
5,096
 
Allowance
 
$
—
  
$
275
  
$
275
 
 
            
 
Troubled Debt Restructurings at June 30, 2015
 
 
Performing
 
Nonperforming
 
Total
 
 
(In thousands)
 
Residential
 
$
—
  
$
188
  
$
188
 
Residential commercial real estate
  
—
   
311
   
311
 
Other commercial real estate
  
418
   
2,710
   
3,128
 
Construction and land loans
  
—
   
224
   
224
 
Total
 
$
418
  
$
3,433
  
$
3,851
 
Allowance
 
$
—
  
$
948
  
$
948
 
 
 
There were no loan relationships modified in a troubled debt restructuring during the three months ended March 31, 2016  and 2015.
 
 
Nine months ended March 31,
 
 
2016
 
2015
 
 
Number of
Relationships
 
Pre-Modification
Outstanding
Recorded
Investment
 
Post-Modification
Outstanding
Recorded
Investment
 
Number of
Relationships
 
Pre-Modification
Outstanding
Recorded
Investment
 
Post-Modification
Outstanding
Recorded
Investment
 
 
(Dollars in thousands)
 
(Dollars in thousands)
 
Other commercial real estate
  
1
   
3,385
   
2,280
   
—
   
—
   
—
 
Total
  
1
  
$
3,385
  
$
2,280
   
—
  
$
—
  
$
—
 

The relationship modified during the nine months ended March 31, 2016, was granted an extended maturity in conjunction with a principal paydown.  There were no loan relationships modified in a troubled debt restructuring during the nine months ended March 31, 2015.

There have been no loans that were modified as TDR during the last twelve months that have subsequently defaulted (90 days or more past due) during the current quarter ended March 31, 2016.
 
v3.4.0.3
Investment Securities
 9 Months Ended
Mar. 31, 2016
Investment Securities [Abstract]  
Investment Securities
7. Investment Securities
 
Securities Held to Maturity
 
The following is a comparative summary of securities held to maturity at March 31, 2016 and June 30, 2015:

 
 
At March 31, 2016
 
 
 
Amortized cost
  
Gross
unrealized gains
  
Gross
unrealized losses
  
Fair value
 
 
 
(In thousands)
 
Mortgage-backed securities:
 
  
  
  
 
FHLMC
 
$
2,461
  
$
111
  
$
—
  
$
2,572
 
FNMA
  
76,870
   
1,003
   
47
   
77,826
 
GNMA
  
1,432
   
60
   
—
   
1,492
 
CMO
  
71,266
   
456
   
35
   
71,687
 
 
 
$
152,029
  
$
1,630
  
$
82
  
$
153,577
 

 
 
At June 30, 2015
 
 
 
Amortized cost
  
Gross
unrealized gains
  
Gross
unrealized losses
  
Fair value
 
 
 
(In thousands)
 
Mortgage-backed securities:
 
  
  
  
 
FHLMC
 
$
1,638
  
$
132
  
$
—
  
$
1,770
 
FNMA
  
55,808
   
269
   
637
   
55,440
 
GNMA
  
1,928
   
84
   
—
   
2,012
 
CMO
  
48,616
   
98
   
187
   
48,527
 
 
 
$
107,990
  
$
583
  
$
824
  
$
107,749
 
 
The contractual maturities of mortgage-backed securities held to maturity generally exceed 20 years; however, the effective lives are expected to be shorter due to anticipated prepayments and, in the case of CMOs, cash flow priorities.  Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalties.
 
The Company did not sell any securities held to maturity during the three months ended March 31, 2016 and 2015.  The Company did not sell any securities held to maturity during the nine months ended March 31, 2016.  Proceeds from the sale of securities held to maturity for the nine months ended March 31, 2015 were $3.4 million on securities with an amortized cost of $3.2 million, resulting in gross gains of $143,800 and no losses.  The held to maturity securities sold were mortgage-backed securities with 15% or less of their original purchased balances remaining.  Securities with fair values of $89.3 million and $54.2 million at March 31, 2016 and June 30, 2015, respectively, were pledged as collateral for advances.  The fair value of securities pledged as collateral for cash flow hedge interest rate swaps totaled $14.0 million and $1.8 million at March 31, 2016 and June 30, 2015, respectively. The Company did not record other-than-temporary impairment charges on securities held to maturity during the three and nine months ended March 31, 2016 and 2015.


Gross unrealized losses on securities held to maturity and the fair value of the related securities, aggregated by security category and length of time that individual securities have been in a continuous unrealized loss position at March 31, 2016 and June 30, 2015 were as follows:

 
At March 31, 2016
 
 
Less than 12 months
 
Greater than 12 months
 
Total
 
 
Fair value
 
Gross
unrealized
losses
 
Fair value
 
Gross
unrealized
losses
 
Fair value
 
Gross
unrealized
losses
 
 
(In thousands)
 
Mortgage-backed securities:
 
  
  
  
  
  
 
FNMA
 
$
—
  
$
—
  
$
3,254
  
$
47
  
$
3,254
  
$
47
 
CMO
  
16,392
   
35
   
—
   
—
   
16,392
   
35
 
 
 
$
16,392
  
$
35
  
$
3,254
  
$
47
  
$
19,646
  
$
82
 

 
At June 30, 2015
 
 
Less than 12 months
 
Greater than 12 months
 
Total
 
 
Fair value
 
Gross
unrealized
losses
 
Fair value
 
Gross
unrealized
losses
 
Fair value
 
Gross
unrealized
losses
 
 
(In thousands)
 
Mortgage-backed securities:
 
  
  
  
  
  
 
FNMA
 
$
32,925
  
$
380
  
$
6,891
  
$
257
  
$
39,816
  
$
637
 
CMO
  
31,433
   
187
   
—
   
—
   
31,433
   
187
 
 
 
$
64,358
  
$
567
  
$
6,891
  
$
257
  
$
71,249
  
$
824
 

Management evaluated the securities in the above tables and concluded that none of the securities with losses has impairments that are other-than-temporary.  The unrealized losses on investments in mortgage-backed securities were caused by interest rate changes and market conditions.  Because the decline in fair value is attributable to changes in interest rates and market conditions and not credit quality, and because the Company has no intent to sell and believes it is not more than likely than not that it will be required to sell these investments until a market price recovery or maturity, these investments are not considered other-than-temporarily impaired.
Securities Available for Sale

The following is a comparative summary of securities available for sale at March 31, 2016 and June 30, 2015:

 
 
At March 31, 2016
 
 
 
Amortized
cost
  
Gross
unrealized
gains
  
Gross
unrealized
losses
  
Fair value
 
 
 
(In thousands)
 
Equity securities
 
$
601
  
$
527
  
$
—
  
$
1,128
 
Mortgage-backed securities:
                
FHLMC
  
934
   
46
   
—
   
980
 
FNMA
  
72,388
   
935
   
—
   
73,323
 
CMO
  
139,078
   
1,420
   
73
   
140,425
 
 
 
$
213,001
  
$
2,928
  
$
73
  
$
215,856
 

 
 
At June 30, 2015
 
 
 
Amortized
cost
  
Gross
unrealized
gains
  
Gross
unrealized
losses
  
Fair value
 
 
 
(In thousands)
 
Equity securities
 
$
1,208
  
$
902
  
$
—
  
$
2,110
 
Mortgage-backed securities:
                
FHLMC
  
5,162
   
163
   
—
   
5,325
 
FNMA
  
36,432
   
537
   
114
   
36,855
 
CMO
  
213,569
   
1,580
   
476
   
214,673
 
 
 
$
256,371
  
$
3,182
  
$
590
  
$
258,963
 
 
The contractual maturities of mortgage-backed securities available for sale generally exceed 20 years; however, the effective lives are expected to be shorter due to anticipated prepayments and, in the case of CMOs, cash flow priorities. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without penalties.

 The Company did not sell any securities available for sale for the three months ended March 31, 2016.  Proceeds from the sale of securities available for sale for the three months ended March 31, 2015 were $20.7 million on securities with an amortized cost of $19.9 million, resulting in gross gains of $770,000 and no losses.  Proceeds from the sale of securities available for sale for the nine months ended March 31, 2016 were $39.0 million on securities with an amortized cost of $38.4 million, resulting in gross gains and gross losses of $607,000 and $3,000, respectively.  Proceeds from the sale of securities available for sale for the nine months ended March 31, 2015 were $37.9 million on securities with an amortized cost of $37.3 million, resulting in gross gains and gross losses of $861,000 and $236,000, respectively.  The Equity securities caption relates to holdings of shares in financial institutions common stock.  Available for sale securities with fair values of $85.5 million and $197.4 million at March 31, 2016 and June 30, 2015, respectively, were pledged as collateral for advances.  The fair value of securities pledged as collateral for cash flow hedge interest rate swaps totaled $7.0 million and $6.4 million at March 31, 2016 and June 30, 2015, respectively. There were no other-than-temporary impairment charges on available for sale securities for the three and nine months ended March 31, 2016 and 2015.  


Gross unrealized losses on securities available for sale and the fair value of the related securities, aggregated by security category and length of time that individual securities have been in a continuous unrealized loss position at March 31, 2016 and June 30, 2015 were as follows:

 
At March 31, 2016
 
 
Less than 12 months
 
Greater than 12 months
 
Total
 
 
Fair value
 
Gross
unrealized
losses
 
Fair value
 
Gross
unrealized
losses
 
Fair value
 
Gross
unrealized
losses
 
 
(In thousands)
 
Mortgage-backed securities:
 
 
 
 
 
 
CMO
  
—
   
—
   
25,043
   
73
   
25,043
   
73
 
 
 
$
—
  
$
—
  
$
25,043
  
$
73
  
$
25,043
  
$
73
 

 
At June 30, 2015
 
 
Less than 12 months
 
Greater than 12 months
 
Total
 
 
Fair value
 
Gross
unrealized
losses
 
Fair value
 
Gross
unrealized
losses
 
Fair value
 
Gross
unrealized
losses
 
 
(In thousands)
 
Mortgage-backed securities:
 
 
 
 
 
 
FNMA
 
$
17,185
  
$
114
  
$
—
  
$
—
  
$
17,185
  
$
114
 
CMO
  
42,463
   
296
   
9,947
   
180
   
52,410
   
476
 
 
 
$
59,648
  
$
410
  
$
9,947
  
$
180
  
$
69,595
  
$
590
 
 
Management evaluated the securities in the above tables and concluded that none of the securities with losses has impairments that are other-than-temporary.  The unrealized losses on investments in mortgage-backed securities were caused by interest rate changes and market conditions.  Because the decline in fair value is attributable to changes in interest rates and market conditions and not credit quality, and because the Company has no intent to sell and believes it is not more than likely than not that it will be required to sell these investments until a market price recovery or maturity, these investments are not considered other-than-temporarily impaired.
v3.4.0.3
Deposits
 9 Months Ended
Mar. 31, 2016
Deposits [Abstract]  
Deposits
8. Deposits

Deposits include checking (non-interest and interest-bearing demand deposits), money market, savings and time deposits. We had brokered deposits totaling $285.4 million and $248.4 million at March 31, 2016 and June 30, 2015, respectively.

 Deposit balances are summarized as follows:

 
March 31, 2016
  
June 30, 2015
 
 
Amount
  
Amount
 
 
(In thousands)
 
Checking accounts
 
$
469,035
  
$
436,172
 
Money market deposit accounts
  
654,117
   
589,012
 
Savings accounts
  
163,989
   
160,020
 
Time deposits
  
937,502
   
777,533
 
 
 
$
2,224,643
  
$
1,962,737
 
v3.4.0.3
Derivatives and Hedging Activities
 9 Months Ended
Mar. 31, 2016
Derivatives and Hedging Activities [Abstract]  
Derivatives and Hedging Activities
9. Derivatives and Hedging Activities

Oritani is exposed to certain risks regarding its ongoing business operations.  Derivative instruments are used to offset a portion of the Company's interest rate risk.  Specifically, the Company has utilized interest rate swaps to partially offset the interest rate risk inherent in the Company's balance sheet. The Company's interest rate derivatives are comprised entirely of interest rate swaps hedging floating-rate and forecasted issuances of floating rate liabilities and have been designed and accounted for as cash flow hedges.  Oritani recognizes interest rate swaps at fair value in the consolidated balance sheet with an offset recorded in Other Comprehensive Income and any hedging ineffectiveness is recorded in earnings.  The carrying value of interest rate derivatives is included in the balance of other assets or other liabilities and comprises the cumulative changes in the fair value of interest rate derivatives.  Such changes in fair value are offset against accumulated other comprehensive income.  These interest rate swaps are generally designated to hedge current and future brokered deposits or other variable rate wholesale funding obtained by the Company.

The Company formally assesses, both at the hedges' inception, and on an on-going basis, whether derivatives used in hedging transactions have been highly effective in offsetting changes in cash flows of hedged items and whether those derivatives are expected to remain highly effective in subsequent periods.  The Company discontinues hedge accounting when (a) it determines that a derivative is no longer effective in offsetting changes in cash flows of a hedged item; (b) the derivative expires or is sold, terminated or exercised; (c) probability exists that the forecasted transaction will no longer occur; or (d) management determines that designating the derivative as a hedging instrument is no longer appropriate.  In all cases in which hedge accounting is discontinued and a derivative remains outstanding, the Company will carry the derivative at fair value in the consolidated balance sheet, recognizing changes in fair value in current period income in the consolidated statement of income.

Oritani is exposed to credit-related losses in the event of nonperformance by the counterparties to the agreements.  Oritani controls the credit risk through selecting highly rated swap counterparties and monitoring procedures, and does not expect the swap counterparties to fail in meeting their contractual obligations.  Oritani only deals with primary swap dealers and believes that the credit risk inherent in these contracts was not significant during and at period end.  Oritani has the right to demand that the counterparties post collateral to cover any significant market value exposure to the counterparties in the portfolio of transactions in place with them.

At March 31, 2016, Oritani had 11 interest rate swap agreements with a total notional outstanding of $330.0 million.  These agreements all feature exchanges of fixed for variable payments covering various hedging periods maturing between 4/11/2016 and 7/11/2024.  The Company is paying fixed rates on these swaps ranging from 0.28 % to 3.67 %, in exchange for receiving variable payments linked to 1 month or 3 month LIBOR.  The fair value of securities pledged as collateral for the swaps at March 31, 2016 and June 30, 2015 was $21.0 million and $8.2 million, respectively.

The following table presents information regarding our derivative financial instruments at March 31, 2016 and June 30, 2015.

 
  
At March 31, 2016
 
   
Notional Amount
  
Fair Value
 
Asset derivatives
 Balance Sheet Line Item
 
(In thousands)
 
Cash flow hedge interest rate swaps-Gross unrealized gain
Other Assets
 
$
100,000
  
$
42
 
   
Liability derivatives
 
 
Cash flow hedge interest rate swaps-Gross unrealized loss
Other Liabilities
 
$
230,000
  
$
13,720
 

 
  
At June 30, 2015
 
   
Notional Amount
 
Fair Value
 
Liability derivatives
 Balance Sheet Line Item
 
 
(In thousands)
 
Cash flow hedge interest rate swaps-Gross unrealized loss
Other Liabilities
 
$
100,000
  
$
3,560
 
v3.4.0.3
Income Taxes
 9 Months Ended
Mar. 31, 2016
Income Taxes [Abstract]  
Income Taxes
10. Income Taxes

The Company files income tax returns in the United States federal jurisdiction and in New Jersey, Pennsylvania and New York state jurisdictions.

The Company is no longer subject to federal and state income tax examinations by tax authorities for years prior to 2011. Oritani Financial Corp.'s federal tax return for the tax year ended December 31, 2012 is currently under audit.  Our state and city tax returns are not currently under audit and have not been subject to an audit during the past five years.  The Company did not have any uncertain tax positions at March 31, 2016 and June 30, 2015.  The Company recognizes accrued interest and penalties related to unrecognized tax benefits, where applicable, in income tax expense.
v3.4.0.3
Real Estate Joint Ventures, net and Real Estate Held for Investment
 9 Months Ended
Mar. 31, 2016
Real Estate Joint Ventures, net and Real Estate Held for Investment [Abstract]  
Real Estate Joint Ventures, net and Real Estate Held for Investment
11. Real Estate Joint Ventures, net and Real Estate Held for Investment

The Company accounts for investments in joint ventures under the equity method. The balance reflects the cost basis of investments, plus the Company's share of income earned on the joint venture operations, less cash distributions, including excess cash distributions, and the Company's share of losses on joint venture operations. Cash received in excess of the Company's recorded investment in a joint venture is recorded as unearned revenue in other liabilities.  The net book value of real estate joint ventures was $4.7 million and $6.1 million at March 31, 2016 and June 30, 2015, respectively.  Proceeds from the sale of three joint ventures for the three months ended March 31, 2016 were $2.9 million resulting in gross gains of $2.0 million.   Proceeds from the sale of ten joint ventures for the nine months ended March 31, 2016 were $16.6 million resulting in gross gains of $15.5 million.  Proceeds from the sale of one joint ventures for the three and nine months ended March 31, 2015 were $1.9 million resulting in gross gains of $2.0 million.  

Real estate held for investment includes the Company's undivided interest in real estate properties accounted for under the equity method and properties held for investment purposes. Cash received in excess of the Company's recorded investment for an undivided interest in real estate property is recorded as unearned revenue in other liabilities. The operations of the properties held for investment purposes are reflected in the financial results of the Company and included in the Other Income caption in the Income Statement. Properties held for investment purposes are carried at cost less accumulated depreciation. The net book value of real estate held for investment was $(31,000) and $(86,000) at March 31, 2016 and June 30, 2015, respectively.  There were no real estate held for investment sales during the three months ended March 31, 2016.   Proceeds from the sale of four real estate held for investment properties for the nine months ended March 31, 2016 were $16.0 million resulting in gross gains of $16.0 million.  There were no real estate held for investment sales during the three and nine months ended March 31, 2015. 
v3.4.0.3
Fair Value Measurements
 9 Months Ended
Mar. 31, 2016
Fair Value Measurements [Abstract]  
Fair Value Measurements
12. Fair Value Measurements
 
The Company adopted FASB ASC 820, "Fair Value Measurements and Disclosures," on July 1, 2008. Under ASC 820, fair value measurements are not adjusted for transaction costs. ASC 820 establishes a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (level 1 measurements) and the lowest priority to unobservable inputs (level 3 measurements). The three levels of the fair value hierarchy under FASB ASC 820 are described below:
 
Basis of Fair Value Measurement:
 
Level 1: Unadjusted quoted prices in active markets that are accessible at the measurement date for identical unrestricted assets or liabilities;
 
Level 2: Quoted prices in markets that are not active, or inputs that are observable either directly or indirectly, for substantially the full term of the asset or liability;
 
Level 3: Price or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e. supported with little or no market activity).
 
A financial instrument's level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.
 
Following are descriptions of the valuation methodologies and key inputs used to measure assets recorded at fair value, as well as a description of the methods and significant assumptions used to estimate fair value disclosures for financial instruments not recorded at fair value in their entirety on a recurring basis. The descriptions include an indication of the level of the fair value hierarchy in which the assets or liabilities are classified.
 
Cash and Cash Equivalents
 
Due to their short-term nature, the carrying amount of these instruments approximates fair value.
 
Securities
 
The Company records securities held to maturity at amortized cost and securities available for sale at fair value on a recurring basis. The majority of the Company's securities are fixed income instruments that are not quoted on an exchange, but are traded in active markets. The estimated fair values for securities are obtained from an independent nationally recognized third-party pricing service. Our independent pricing service provides us with prices which are primarily categorized as Level 2, as quoted prices in active markets for identical assets are generally not available for the majority of securities in our portfolio. Pricing services may employ modeling techniques in determining pricing. Inputs to these models include market spreads, dealer quotes, prepayment speeds, credit information and the instrument's terms and conditions, among other things. Management compares the pricing to a second independent pricing source for reasonableness. Equity securities are reported at Level 1 based on quoted market prices for identical securities in active markets.

 
FHLB of New York Stock
 
FHLB of New York Stock is recorded at cost (par value) and evaluated for impairment based on the ultimate recoverability of the par value. There is no active market for this stock and no significant observable market data is available for this instrument. The Company considers the profitability and asset quality of FHLB, dividend payment history and recent redemption experience, when determining the ultimate recoverability of the par value. The Company believes its investment in FHLB stock is ultimately recoverable at par. The carrying amount of FHLB stock approximates fair value, since this is the amount for which it could be redeemed.
 
Loans
 
The Company does not record loans at fair value on a recurring basis. However, periodically, the Company records nonrecurring adjustments to the carrying value of loans based on fair value measurements. The estimated fair value for significant nonperforming loans and impaired loans are valued utilizing independent appraisals of the collateral securing such loans that rely upon quoted market prices for similar assets in active markets. These appraisals include adjustments to comparable assets based on the appraisers' market knowledge and experience. The appraisals may be  adjusted downward by management (0-20% adjustment rate and 0-10%  risk premium rate), as necessary, for changes in relevant valuation factors subsequent to the appraisal date and the timing of anticipated cash flows (0-8% discount rate).  The Company classifies impaired loans as Level 3.
 
Fair value for loans held for investment is estimated using portfolios of loans with similar financial characteristics. Loans are segregated by type such as residential, multifamily, commercial real estate, construction, land and consumer. Each loan category is further segmented into fixed and adjustable rate interest terms and by performing and nonperforming/impaired categories. Fair value of performing loans is estimated using a discounted cash flow model that employs a discount rate that reflects the current market pricing for loans with similar characteristics and remaining maturity, adjusted by an amount for estimated credit losses inherent in the portfolio at the balance sheet date. The rates take into account the expected yield curve. Fair values estimated in this manner do not fully incorporate an exit-price approach to fair value. The Company classifies the estimated fair value of loans held for investment as Level 3.
 
Real Estate Owned
 
Assets acquired through foreclosure or deed in lieu of foreclosure are recorded at fair value less estimated selling costs when acquired, thus establishing a new cost basis. Subsequently, real estate owned is carried at the lower of cost or fair value, less estimated selling costs. Fair value is generally based on independent appraisals. These appraisals include adjustments to comparable assets based on the appraisers' market knowledge and experience, and are considered Level 3. When an asset is acquired, the excess of the loan balance over fair value, less estimated liquidation costs (5%-20% discount rate), is charged to the allowance for loan losses.  If the estimated fair value of the asset declines, a write-down is recorded through expense. The valuation of foreclosed assets is subjective in nature and may be adjusted in the future because of changes in the economic conditions.
 
Deposit Liabilities
 
The estimated fair value of deposits with no stated maturity, such as checking, savings, and money market accounts, is equal to the amount payable on demand at the balance sheet date. The estimated fair value of term deposits is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities. The Company classifies the estimated fair value of term deposits as Level 2.
 
Borrowings
 
The book value of overnight borrowings approximates the estimated fair value. The estimated fair value of term borrowings is calculated based on the discounted cash flow of contractual amounts due, using market rates currently available for borrowings of similar amount and remaining maturity. The Company classifies the estimated fair value of term borrowings as Level 2.

Derivatives
 
The fair value of our interest rate swaps was estimated using Level 2 inputs.  The fair value was determined using third party prices that are based on discounted cash flow analyses using observed market interest rate curves and volatilities.
 
Commitments to Extend Credit and to Purchase or Sell Securities
 
The fair value of commitments to extend credit is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair value of commitments to purchase or sell securities is estimated based on bid quotations received from securities dealers. The fair value of off-balance-sheet commitments approximates book value.

Assets and Liabilities Recorded at Fair Value on a Recurring Basis

The following tables present the recorded amount of assets and liabilities measured at fair value on a recurring basis as of March 31, 2016 and June 30, 2015 by level within the fair value hierarchy. There were no transfers between levels within the fair value hierarchy during the nine months ended March 31, 2016.

 
 
Fair Value as of March 31, 2016
  
Quoted Prices
in Active
Markets for
Identical
Assets
(Level 1)
  
Significant
Other
Observable
Inputs
(Level 2)
  
Unobservable
Inputs
(Level 3)
 
 
 
(In thousands)
 
Assets:
 
  
  
  
 
Equity Securities
 
$
1,128
  
$
1,128
  
$
—
  
$
—
 
Mortgage-backed securities available for sale
                
FHLMC
  
980
   
—
   
980
   
—
 
FNMA
  
73,323
   
—
   
73,323
   
—
 
CMO
  
140,425
   
—
   
140,425
   
—
 
Total securities available for sale
  
215,856
   
1,128
   
214,728
   
—
 
                 
Interest rate swaps
  
42
   
—
   
42
   
—
 
Total assets
 
$
215,898
  
$
1,128
  
$
214,770
  
$
—
 
                 
 
                
Liabilities:
                
Interest rate swaps
 
$
13,720
  
$
—
  
$
13,720
  
$
—
 

 
 
Fair Value as of June 30, 2015
  
Quoted Prices
in Active
Markets for
Identical
Assets
(Level 1)
  
Significant
Other
Observable
Inputs
(Level 2)
  
Unobservable
Inputs
(Level 3)
 
 
 
(In thousands)
 
Assets:
 
  
  
  
 
Equity Securities
 
$
2,110
  
$
2,110
  
$
—
  
$
—
 
Mortgage-backed securities available for sale
                
FHLMC
  
5,325
   
—
   
5,325
   
—
 
FNMA
  
36,855
   
—
   
36,855
   
—
 
CMO
  
214,673
   
—
   
214,673
   
—
 
Total securities available for sale
 
$
258,963
  
$
2,110
  
$
256,853
  
$
—
 
 
                
Liabilities:
                
Interest rate swaps
 
$
3,560
  
$
—
  
$
3,560
  
$
—
 
 

Assets Recorded at Fair Value on a Nonrecurring Basis
 
The Company may be required, from time to time, to measure the fair value of certain other financial assets on a nonrecurring basis in accordance with U.S. GAAP. The adjustments to fair value usually result from the application of lower-of-cost-or-fair value accounting or write downs of individual assets.

The following tables present the recorded amount of assets measured at fair value on a nonrecurring basis as of March 31, 2016 and June 30, 2015 by level within the fair value hierarchy.

  
Fair Value as of March 31, 2016
  
Quoted Prices
in Active
Markets for
Identical
Assets
(Level 1)
  
Significant
Other
Observable
Inputs
(Level 2)
  
Unobservable
Inputs
(Level 3)
 
  
(In thousands)
 
Assets:
        
Impaired loans:
        
Residential
 
$
164
  
$
—
  
$
—
  
$
164
 
Residential commercial real estate
  
287
   
—
   
—
   
287
 
Other commercial real estate
  
6,905
   
—
   
—
   
6,905
 
Construction and land loans
  
9
   
—
   
—
   
9
 
Total impaired loans
  
7,365
   
—
   
—
   
7,365
 
Real estate owned
                
Other commercial real estate
  
487
   
—
   
—
   
487
 
Total real estate owned
  
487
   
—
   
—
   
487
 
Total assets measured on a non-recurring basis
 
$
7,852
  
$
—
  
$
—
  
$
7,852
 

  
Fair Value as of June 30, 2015
  
Quoted Prices
in Active
Markets for
Identical
Assets
(Level 1)
  
Significant
Other
Observable
Inputs
(Level 2)
  
Unobservable
Inputs
(Level 3)
 
  
(In thousands)
 
Assets:
        
Impaired loans:
        
Residential
 
$
168
  
$
—
  
$
—
  
$
168
 
Residential commercial real estate
  
284
   
—
   
—
   
284
 
Other commercial real estate
  
8,187
   
—
   
—
   
8,187
 
Total impaired loans
  
8,639
   
—
   
—
   
8,639
 
Real estate owned
                
Residential
  
1,435
   
—
   
—
   
1,435
 
Residential commercial real estate
  
1,202
   
—
   
—
   
1,202
 
Other commercial real estate
  
1,422
   
—
   
—
   
1,422
 
Total real estate owned
  
4,059
   
—
   
—
   
4,059
 
Total assets measured on a non-recurring basis
 
$
12,698
  
$
—
  
$
—
  
$
12,698
 

Estimated Fair Value of Financial Instruments
 
The following tables present the carrying amount, estimated fair value, and placement in the fair value hierarchy of financial instruments not recorded at fair values in their entirety on a recurring basis on the Company's balance sheet at March 31, 2016 and June 30, 2015. These tables exclude financial instruments for which the carrying amount approximates fair value. Financial instruments for which the carrying amount approximates fair value include cash and cash equivalents, FHLB stock, non-maturity deposits, and overnight borrowings.
 
 
March 31, 2016
 
 
Carrying Amount
 
Fair Value
 
Quoted Prices
in Active
Markets for
Identical
Assets
(Level 1)
 
Significant
Other
Observable
Inputs
(Level 2)
 
Unobservable
Inputs
(Level 3)
 
 
(In thousands)
 
Financial assets:
 
 
 
 
 
Securities held to maturity
 
$
152,029
  
$
153,577
  
$
—
  
$
153,577
  
$
—
 
Loans, net (1)
  
3,017,736
   
3,042,594
   
—
   
—
   
3,042,594
 
Financial liabilities:
                    
Time deposits
  
937,502
   
946,298
   
—
   
946,298
   
—
 
Term borrowings
  
571,515
   
582,436
   
—
   
582,436
   
—
 
 _____________
(1)Comprised of loans (including impaired loans), net of deferred loan fees and the allowance for loan losses.
 
 
June 30, 2015
 
 
Carrying Amount
 
Fair Value
 
Quoted Prices
in Active
Markets for
Identical
Assets
(Level 1)
 
Significant
Other
Observable
Inputs
(Level 2)
 
Unobservable
Inputs
(Level 3)
 
 
(In thousands)
 
Financial assets:
 
 
 
 
 
Securities held to maturity
 
$
107,990
  
$
107,749
  
$
—
  
$
107,749
  
$
—
 
Loans, net (1)
  
2,756,212
   
2,774,448
   
—
   
—
   
2,774,448
 
Financial liabilities:
                    
Time deposits
  
777,533
   
785,466
   
—
   
785,466
   
—
 
Term borrowings
  
636,372
   
654,450
   
—
   
654,450
   
—
 
 ______________
(1)Comprised of loans (including impaired loans), net of deferred loan fees and the allowance for loan losses.
 
Limitations
 
Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company's entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company's financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates.
 
Fair value estimates are based on existing on- and off-balance-sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Significant assets and liabilities that are not considered financial assets or liabilities include the mortgage banking operation, deferred tax assets, and premises and equipment. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates.
v3.4.0.3
Other Comprehensive Income
 9 Months Ended
Mar. 31, 2016
Other Comprehensive Income [Abstract]  
Other Comprehensive Income
13. Other Comprehensive Income
 
The components of comprehensive income, both gross and net of tax, are presented for the periods below (in thousands):

 
 
Three months ended March 31,
  
Nine months ended March 31,
 
 
 
2016
  
2015
  
2016
  
2015
 
Gross:
 
  
  
  
 
Net income
 
$
17,989
  
$
17,184
  
$
63,233
  
$
48,420
 
Other comprehensive loss:
                
Change in unrealized holding gain (loss) on securities available for sale
  
3,025
   
1,650
   
869
   
(102
)
Reclassification adjustment for security gains included in net income
  
—
   
(770
)
  
(604
)
  
(624
)
Amortization related to post-retirement obligations
  
56
   
23
   
168
   
68
 
Change in unrealized loss on interest rate swaps
  
(8,542
)
  
(2,384
)
  
(10,119
)
  
(6,333
)
Total other comprehensive loss
  
(5,461
)
  
(1,481
)
  
(9,686
)
  
(6,991
)
Total comprehensive income
  
12,528
   
15,703
   
53,547
   
41,429
 
Tax applicable to:
                
Net income
  
6,676
   
6,227
   
23,887
   
17,256
 
Other comprehensive loss:
                
Change in unrealized holding gain (loss) on securities available for sale
  
1,304
   
694
   
352
   
(45
)
Reclassification adjustment for security gains included in net income
  
—
   
(274
)
  
(261
)
  
(212
)
Amortization related to post-retirement obligations
  
25
   
9
   
72
   
28
 
Change in unrealized loss on interest rate swaps
  
(3,684
)
  
(1,009
)
  
(4,364
)
  
(2,680
)
Total other comprehensive loss
  
(2,355
)
  
(580
)
  
(4,201
)
  
(2,909
)
Total comprehensive income
  
4,321
   
5,647
   
19,686
   
14,347
 
Net of tax:
                
Net income
  
11,313
   
10,957
   
39,346
   
31,164
 
Other comprehensive loss:
                
Change in unrealized holding gain (loss) on securities available for sale
  
1,721
   
956
   
517
   
(57
)
Reclassification adjustment for security gains included in net income
  
—
   
(496
)
  
(343
)
  
(412
)
Amortization related to post-retirement obligations
  
31
   
14
   
96
   
40
 
Change in unrealized loss on interest rate swaps
  
(4,858
)
  
(1,375
)
  
(5,755
)
  
(3,653
)
Total other comprehensive loss
  
(3,106
)
  
(901
)
  
(5,485
)
  
(4,082
)
Total comprehensive income
 
$
8,207
  
$
10,056
  
$
33,861
  
$
27,082
 
 

The following table presents the changes in the components of accumulated other comprehensive (loss) income, net of tax, for the nine months ended March 31, 2016 and 2015 (in thousands):

 
 
Unrealized Holding Loss on Securities Available for Sale
  
Post Retirement Obligations
  
Unrealized Holding Loss on Interest Rate Swaps
  
Accumulated Other Comprehensive (Loss), Net of Tax
 
Balance at June 30, 2015
 
$
1,496
  
$
(1,316
)
 
$
(2,028
)
 
$
(1,848
)
Net change
  
174
   
96
   
(5,755
)
  
(5,485
)
Balance at March 31, 2016
 
$
1,670
  
$
(1,220
)
 
$
(7,783
)
 
$
(7,333
)
 
                
Balance at June 30, 2014
 
$
2,728
  
$
(617
)
 
$
83
  
$
2,194
 
Net change
  
(469
)
  
40
   
(3,653
)
  
(4,082
)
Balance at March 31, 2015
 
$
2,259
  
$
(577
)
 
$
(3,570
)
 
$
(1,888
)

The following table sets forth information about the amount reclassified from accumulated other comprehensive income (loss) to the consolidated statement of income and the affected line item in the statement where net income is presented (in thousands).
 
  
Three months ended March 31,
  
Nine months ended March 31,
 
 Accumulated Other Comprehensive Income (Loss) Component
 Affected line item in the Consolidated Statement of Income
 
2016
  
2015
  
2016
  
2015
 
Reclassification adjustment for security gains included in net income
Net gain on sale of securities available for sale
 
$
—
  
$
(770
)
 
$
(604
)
 
$
(624
)
 
 
                
Amortization related to post-retirement obligations (1)
 
                
Prior service cost
 
  
—
   
15
   
—
   
45
 
Net loss
 
  
56
   
8
   
168
   
23
 
 
 Compensation, payroll taxes and fringe benefits  
56
   
23
   
168
   
68
 
 
 
                
 
 Total before tax  
56
   
(747
)
  
(436
)
  
(556
)
 
 Income tax benefit (expense)  
25
   
(265
)
  
(189
)
  
(184
)
 
 Net of tax  
31
   
(482
)
  
(247
)
  
(372
)
 
(1) These accumulated other comprehensive income (loss) components are included in the computations of net periodic benefit cost.  See Note 5. Postretirement Benefits.
v3.4.0.3
Recent Accounting Pronouncements
 9 Months Ended
Mar. 31, 2016
Recent Accounting Pronouncements [Abstract]  
Recent Accounting Pronouncements
14. Recent Accounting Pronouncements

In March 2016, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") 2016-09 - Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting.  This ASU simplifies several aspects of the accounting for employee share-based payment transactions, including the income tax consequences, classification of awards as either equity or liabilities, and classification on the statement of cash flows.  This ASU is effective for financial statements issued for fiscal years beginning after December 15, 2016, and interim periods therein.  The Company is currently evaluating the impact of the adoption of this guidance on the Company's consolidated financial statements.

In March 2016, the FASB issued ASU 2016-07, "Investments—Equity Method and Joint Ventures (Topic 323): Simplifying the Transition to the Equity Method of Accounting." This ASU requires that the equity method investor add the cost of acquiring the additional interest in the investee to the current basis of the investor's previously held interest and adopt the equity method of accounting as of the date the investment becomes qualified for equity method accounting.  Therefore, upon qualifying for the equity method of accounting, no retroactive adjustment of the investment is required.  The amendments in this Update require that an entity that has an available for sale equity security that becomes qualified for the equity method of accounting recognize through earnings the unrealized holding gain or loss in accumulated other comprehensive income at the date the investment becomes qualified for use of the equity method.  The ASU is effective for all entities in fiscal years, and interim periods in those fiscal years, beginning after December 15, 2016.  Early adoption is permitted.  The new guidance will be applied prospectively to changes in ownership (or influence) after the adoption date.   The Company does not expect that the adoption of this guidance will have a significant impact on the Company's consolidated financial statements.

In March 2016, the FASB issued ASU 2016-05, " Derivatives and Hedging (Topic 815): Effect of Derivative Contract Novations on Existing Hedge Accounting Relationships (a consensus of the Emerging Issues Task Force))."  This ASU clarifies that a change in the counterparty to a derivative instrument (novation), that has been designated as a hedging instrument does not, on its own, require dedesignation of that hedge accounting relationship provided that all other hedge accounting criteria continue to be met.  This ASU is effective for financial statements issued for fiscal years beginning after December 15, 2016, and interim periods therein. Early adoption is permitted, including adoption in an interim period.  The Company does not expect that the adoption of this guidance will have a significant impact on the Company's consolidated financial statements.

In February 2016, the FASB issued ASU 2016-02 - Leases (Topic 842).  This ASU requires lessees to put most leases on their balance sheets but recognize expenses in the income statement in a manner similar to current accounting treatment.  This ASU changes the guidance on sale-leaseback transactions, initial direct costs and lease execution costs, and, for lessors, modifies the classification criteria and the accounting for sales-type and direct financing leases.  For public business entities, this ASU is effective for annual periods beginning after December 15, 2018, and interim periods therein. Entities are required to use a modified retrospective approach for leases that exist or are entered into after the beginning of the earliest comparative period in the financial statements.  The Company is currently evaluating the impact of the adoption of this guidance on the Company's consolidated financial statements.

In January 2016, the FASB issued ASU 2016-01, Recognition and Measurement of Financial Assets and Financial Liabilities, which is intended to improve the recognition and measurement of financial instruments.  The ASU revises an entity's accounting related to (1) the classification and measurement of investments in equity securities and (2) the presentation of certain fair value changes for financial liabilities measured at fair value.  It also amends certain disclosure requirements associated with the fair value of financial instruments.  The ASU is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2017.  The Company does not expect that the adoption of this guidance will have a significant impact on the Company's consolidated financial statements.

In January 2015, the FASB issued ASU 2015-01, Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items, which eliminates from U.S. GAAP the concept of an extraordinary item.  The Board released the new guidance as part of its simplification initiative, which, as explained in the ASU, is intended to "identify, evaluate and improve areas of U.S. GAAP for which cost and complexity can be reduced while maintaining or improving the usefulness of the information provided to the users of financial statements". To be considered an extraordinary item under existing U.S. GAAP, an event or transaction must be unusual in nature and must occur infrequently. As a result, an entity will no longer (1) segregate an extraordinary item from the results of ordinary operations; (2) separately present an extraordinary item on its income statement, net of tax, after income from continuing operations; and (3) disclose income taxes and earnings-per-share data applicable to an extraordinary item. However, the ASU does not affect the reporting and disclosure requirements for an event that is unusual in nature or that occurs infrequently. For all entities, the ASU is effective for annual periods beginning after December 15, 2015, and interim periods within those annual periods. Entities may apply the guidance prospectively or retrospectively to all prior periods presented in the financial statements. If an entity chooses to apply the guidance prospectively, it must disclose whether amounts included in income from continuing operations after adoption of the ASU are related to events and transactions previously recognized and classified as extraordinary items before the date of adoption. Early adoption is permitted if the guidance is applied as of the beginning of the annual period of adoption.  The Company does not expect that the adoption of this guidance will have a significant impact on the Company's consolidated financial statements.

In August 2014, the FASB issued ASU 2014-14, "Receivable-Troubled Debt Restructurings by Creditors (Subtopic 310-40): Classification of Certain Government-Guaranteed Mortgage Loans upon Foreclosure".  This update requires a mortgage loan to be derecognized and a separate receivable to be recognized upon foreclosure if the loan has a government guarantee that is non-separable from the loan before foreclosure, the creditor has the ability and intent to convey the real estate property to the guarantor, and any amount of the claim that is determined on the basis of the fair value of the real estate is fixed.  Additionally, the separate other receivable should be measured based on the amount of the loan balance (principal and interest) expected to be recovered from the guarantor upon foreclosure.  The amendments in this update are effective for annual periods and interim periods within those annual periods beginning after December 15, 2014.  We adopted this guidance on July 1, 2015 with no significant impact on the Company's consolidated financial statements.

In June 2014, the FASB issued ASU 2014-12, "Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period".  This update requires that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition.  This update is effective for interim and annual periods beginning after December 15, 2015.  The amendments can be applied prospectively to all awards granted or modified after the effective date or retrospectively to all awards with performance targets that are outstanding as of the beginning of the earliest annual period presented and to all new or modified awards thereafter.  We adopted this guidance on January 1, 2016 with no significant impact on the Company's consolidated financial statements.

In January 2014, the FASB issued ASU 2014-04, "Receivables-Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure (a consensus of the FASB Emerging Issues Task Force"), which clarifies that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement.  Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction.  The amendments in this update are effective for public business entities for annual periods, and interim periods within those annual periods, beginning after December 15, 2014.  Early adoption is permitted.  We adopted this guidance on July 1, 2015 with no significant impact on the Company's consolidated financial statements.
Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations
v3.4.0.3
Fair Value Measurements (Policies)
 9 Months Ended
Mar. 31, 2016
Fair Value Measurements [Abstract]  
Fair Value Measurements and Disclosures
The Company adopted FASB ASC 820, "Fair Value Measurements and Disclosures," on July 1, 2008. Under ASC 820, fair value measurements are not adjusted for transaction costs. ASC 820 establishes a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (level 1 measurements) and the lowest priority to unobservable inputs (level 3 measurements). The three levels of the fair value hierarchy under FASB ASC 820 are described below:
 
Basis of Fair Value Measurement:
 
Level 1: Unadjusted quoted prices in active markets that are accessible at the measurement date for identical unrestricted assets or liabilities;
 
Level 2: Quoted prices in markets that are not active, or inputs that are observable either directly or indirectly, for substantially the full term of the asset or liability;
 
Level 3: Price or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e. supported with little or no market activity).
 
A financial instrument's level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.
 
Following are descriptions of the valuation methodologies and key inputs used to measure assets recorded at fair value, as well as a description of the methods and significant assumptions used to estimate fair value disclosures for financial instruments not recorded at fair value in their entirety on a recurring basis. The descriptions include an indication of the level of the fair value hierarchy in which the assets or liabilities are classified.
 
Cash and Cash Equivalents
 
Due to their short-term nature, the carrying amount of these instruments approximates fair value.
 
Securities
 
The Company records securities held to maturity at amortized cost and securities available for sale at fair value on a recurring basis. The majority of the Company's securities are fixed income instruments that are not quoted on an exchange, but are traded in active markets. The estimated fair values for securities are obtained from an independent nationally recognized third-party pricing service. Our independent pricing service provides us with prices which are primarily categorized as Level 2, as quoted prices in active markets for identical assets are generally not available for the majority of securities in our portfolio. Pricing services may employ modeling techniques in determining pricing. Inputs to these models include market spreads, dealer quotes, prepayment speeds, credit information and the instrument's terms and conditions, among other things. Management compares the pricing to a second independent pricing source for reasonableness. Equity securities are reported at Level 1 based on quoted market prices for identical securities in active markets.

 
FHLB of New York Stock
 
FHLB of New York Stock is recorded at cost (par value) and evaluated for impairment based on the ultimate recoverability of the par value. There is no active market for this stock and no significant observable market data is available for this instrument. The Company considers the profitability and asset quality of FHLB, dividend payment history and recent redemption experience, when determining the ultimate recoverability of the par value. The Company believes its investment in FHLB stock is ultimately recoverable at par. The carrying amount of FHLB stock approximates fair value, since this is the amount for which it could be redeemed.
 
Loans
 
The Company does not record loans at fair value on a recurring basis. However, periodically, the Company records nonrecurring adjustments to the carrying value of loans based on fair value measurements. The estimated fair value for significant nonperforming loans and impaired loans are valued utilizing independent appraisals of the collateral securing such loans that rely upon quoted market prices for similar assets in active markets. These appraisals include adjustments to comparable assets based on the appraisers' market knowledge and experience. The appraisals may be  adjusted downward by management (0-20% adjustment rate and 0-10%  risk premium rate), as necessary, for changes in relevant valuation factors subsequent to the appraisal date and the timing of anticipated cash flows (0-8% discount rate).  The Company classifies impaired loans as Level 3.
 
Fair value for loans held for investment is estimated using portfolios of loans with similar financial characteristics. Loans are segregated by type such as residential, multifamily, commercial real estate, construction, land and consumer. Each loan category is further segmented into fixed and adjustable rate interest terms and by performing and nonperforming/impaired categories. Fair value of performing loans is estimated using a discounted cash flow model that employs a discount rate that reflects the current market pricing for loans with similar characteristics and remaining maturity, adjusted by an amount for estimated credit losses inherent in the portfolio at the balance sheet date. The rates take into account the expected yield curve. Fair values estimated in this manner do not fully incorporate an exit-price approach to fair value. The Company classifies the estimated fair value of loans held for investment as Level 3.
 
Real Estate Owned
 
Assets acquired through foreclosure or deed in lieu of foreclosure are recorded at fair value less estimated selling costs when acquired, thus establishing a new cost basis. Subsequently, real estate owned is carried at the lower of cost or fair value, less estimated selling costs. Fair value is generally based on independent appraisals. These appraisals include adjustments to comparable assets based on the appraisers' market knowledge and experience, and are considered Level 3. When an asset is acquired, the excess of the loan balance over fair value, less estimated liquidation costs (5%-20% discount rate), is charged to the allowance for loan losses.  If the estimated fair value of the asset declines, a write-down is recorded through expense. The valuation of foreclosed assets is subjective in nature and may be adjusted in the future because of changes in the economic conditions.
 
Deposit Liabilities
 
The estimated fair value of deposits with no stated maturity, such as checking, savings, and money market accounts, is equal to the amount payable on demand at the balance sheet date. The estimated fair value of term deposits is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities. The Company classifies the estimated fair value of term deposits as Level 2.
 
Borrowings
 
The book value of overnight borrowings approximates the estimated fair value. The estimated fair value of term borrowings is calculated based on the discounted cash flow of contractual amounts due, using market rates currently available for borrowings of similar amount and remaining maturity. The Company classifies the estimated fair value of term borrowings as Level 2.

Derivatives
 
The fair value of our interest rate swaps was estimated using Level 2 inputs.  The fair value was determined using third party prices that are based on discounted cash flow analyses using observed market interest rate curves and volatilities.
 
Commitments to Extend Credit and to Purchase or Sell Securities
 
The fair value of commitments to extend credit is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair value of commitments to purchase or sell securities is estimated based on bid quotations received from securities dealers. The fair value of off-balance-sheet commitments approximates book value.
Assets Recorded at Fair Value on a Nonrecurring Basis
The Company may be required, from time to time, to measure the fair value of certain other financial assets on a nonrecurring basis in accordance with U.S. GAAP. The adjustments to fair value usually result from the application of lower-of-cost-or-fair value accounting or write downs of individual assets.
v3.4.0.3
Earnings Per Share ("EPS") (Tables)
 9 Months Ended
Mar. 31, 2016
Earnings Per Share ("EPS") [Abstract]  
Summary of Earnings Per Share Calculations and Reconciliation of Basic to Diluted Earnings per Share
The following is a summary of the Company's earnings per share calculations and reconciliation of basic to diluted earnings per share.

 
 
Three months ended March 31,
  
Nine months ended March 31,
 
 
 
2016
  
2015
  
2016
  
2015
 
 
 
(In thousands, except per share data)
 
Net income
 
$
11,313
  
$
10,957
  
$
39,346
  
$
31,164
 
Weighted average common shares outstanding—basic
  
42,030
   
41,391
   
41,595
   
41,806
 
Effect of dilutive stock options outstanding
  
1,169
   
922
   
1,159
   
932
 
Weighted average common shares outstanding—diluted
  
43,199
   
42,313
   
42,754
   
42,738
 
Earnings per share-basic
 
$
0.27
  
$
0.26
  
$
0.95
  
$
0.75
 
Earnings per share-diluted
 
$
0.26
  
$
0.26
  
$
0.92
  
$
0.73
 
 
v3.4.0.3
Equity Incentive Plans (Tables)
 9 Months Ended
Mar. 31, 2016
Equity Incentive Plans [Abstract]  
Assumptions Used in Estimating Fair Value of Options Issued
 The fair value of the options issued during the nine months ended March 31, 2016 was estimated using the Black-Scholes options-pricing model with the assumptions in the following table.  There were no options issued during the nine months ended March 31, 2015.

 
Nine months ended March 31, 2016
Option shares granted
 
20,000
Expected dividend yield
 
6.75%
Expected volatility
 
26.10%
Risk-free interest rate
 
2.03%
Expected option life
 
6.5
Summary of the Stock Option Activity and Related Information for its Options Plan
The following is a summary of the Company's stock option activity and related information as of March 31, 2016 and changes therein during the nine months then ended:

 
 
Number of Stock Options
  
Weighted Average GrantDate Fair Value
  
Weighted Average Exercise Price
  
Weighted Average Remaining Contractual Life (years)
 
Outstanding at June 30, 2015
  
5,900,164
  
$
2.57
  
$
11.50
   
5.8
 
Granted
  
20,000
   
1.64
   
15.89
   
10.0
 
Exercised
  
(1,151,466
)
  
2.43
   
10.95
   
3.4
 
Forfeited
  
(20,000
)
  
2.69
   
12.65
   
6.2
 
Outstanding at March 31, 2016
  
4,748,698
  
$
2.59
  
$
11.64
   
5.5
 
Exercisable at March 31, 2016
  
3,910,912
  
$
2.58
  
$
11.50
   
4.4
 
 
Summary of the Status of Restricted Stock Shares
The following is a summary of the status of the Company's restricted stock shares as of March 31, 2016 and changes therein during the nine months then ended:

 
 
Number of Shares Awarded
  
Weighted Average Grant Date Fair Value
 
Non-vested at June 30, 2015
  
668,040
  
$
12.17
 
Granted
  
10,000
   
15.89
 
Vested
  
(322,553
)
  
12.05
 
Forfeited
  
(6,000
)
  
11.95
 
Non-vested at March 31, 2016
  
349,487
  
$
12.38
 
 
v3.4.0.3
Post-retirement Benefits (Tables)
 9 Months Ended
Mar. 31, 2016
Post-retirement Benefits [Abstract]  
Net Periodic Benefit Costs
Net periodic benefit costs for the three and nine months ended March 31, 2016 and 2015 are presented in the following tables.

 
Retirement Plan
  
BEP Plan
  
Medical Plan
 
 
Three months ended March 31,
 
 
2016
  
2015
  
2016
  
2015
  
2016
  
2015
 
 
(In thousands)
 
Service cost
 
$
44
  
$
37
  
$
—
  
$
—
  
$
19
  
$
31
 
Interest cost
  
57
   
51
   
12
   
10
   
59
   
45
 
Amortization of unrecognized:
                        
Prior service cost
  
—
   
15
   
—
   
—
   
—
   
—
 
Net loss
  
7
   
—
   
10
   
6
   
39
   
2
 
Total
 
$
108
  
$
103
  
$
22
  
$
16
  
$
117
  
$
78
 

 
 
Nine months ended March 31,
 
 
 
2016
  
2015
  
2016
  
2015
  
2016
  
2015
 
 
 
(In thousands)
 
Service cost
 
$
131
  
$
111
  
$
—
  
$
—
  
$
58
  
$
93
 
Interest cost
  
170
   
152
   
36
   
30
   
176
   
136
 
Amortization of unrecognized:
                        
Prior service cost
  
—
   
45
   
—
   
—
   
—
   
—
 
Net loss
  
22
   
—
   
30
   
18
   
116
   
5
 
Total
 
$
323
  
$
308
  
$
66
  
$
48
  
$
350
  
$
234
 
 
v3.4.0.3
Loans (Tables)
 9 Months Ended
Mar. 31, 2016
Loans [Abstract]  
Comparative Summary of Loans
Loans, net are summarized as follows:

 
 
March 31, 2016
  
June 30, 2015
 
 
 
(In thousands)
 
Residential
 
$
217,270
  
$
186,342
 
Residential commercial real estate
  
1,486,911
   
1,229,816
 
Credit/grocery retail commercial real estate
  
458,025
   
481,216
 
Other commercial real estate
  
889,353
   
894,016
 
Construction and land loans
  
4,651
   
6,132
 
Total loans
  
3,056,210
   
2,797,522
 
Less:
        
Deferred loan fees, net
  
8,526
   
10,421
 
Allowance for loan losses
  
29,948
   
30,889
 
Loans, net
 
$
3,017,736
  
$
2,756,212
 
 
Activity in the Allowance for Loan Losses
The activity in the allowance for loan losses for the three and nine months ended March 31, 2016 and 2015 is summarized as follows:

 
Three months ended March 31,
 
Nine months ended March 31,
 
 
(In thousands)
 
 
2016
 
2015
 
2016
 
2015
 
Balance at beginning of period
 
$
30,635
  
$
31,266
  
$
30,889
  
$
31,401
 
Provisions for loan losses
  
—
   
—
   
—
   
200
 
Recoveries of loans previously charged off
  
5
   
—
   
6
   
1
 
Loans charged off
  
(692
)
  
(377
)
  
(947
)
  
(713
)
Balance at end of period
 
$
29,948
  
$
30,889
  
$
29,948
  
$
30,889
 
 
Allowance for Loan Losses Allocated by Loan Category
The following table provides the three and nine month activity in the allowance for loan losses allocated by loan category at March 31, 2016 and 2015.  The allowance for loan losses allocated to each category is not necessarily indicative of future losses in any particular category and does not restrict the use of the allowance to absorb losses in other categories.
 
 
Three months ended March 31, 2016
 
 
Residential
 
Residential commercial real estate
 
Credit/grocery retail commercial real estate
 
Other commercial real estate
 
Construction and land loans
 
Unallocated
 
Total
 
 
(In thousands)
 
Allowance for loan losses:
 
 
 
 
 
 
 
Beginning balance
 
$
1,518
  
$
10,893
  
$
3,654
  
$
13,858
  
$
712
  
$
—
  
$
30,635
 
Charge-offs
  
—
   
—
   
—
   
(692
)
  
—
   
—
   
(692
)
Recoveries
  
—
   
—
   
—
   
5
   
—
   
—
   
5
 
Provisions
  
(143
)
  
962
   
14
   
(431
)
  
(402
)
  
—
   
—
 
Ending balance
 
$
1,375
  
$
11,855
  
$
3,668
  
$
12,740
  
$
310
  
$
—
  
$
29,948
 

 
 
Nine months ended March 31, 2016
 
 
 
Residential
  
Residential commercial real estate
  
Credit/grocery retail commercial real estate
  
Other commercial real estate
  
Construction
and land loans
  
Unallocated
  
Total
 
 
 
(In thousands)
 
Allowance for loan losses:
 
  
  
  
  
  
  
 
Beginning balance
 
$
1,521
  
$
10,814
  
$
4,042
  
$
13,943
  
$
569
  
$
—
  
$
30,889
 
Charge-offs
  
(98
)
  
—
   
—
   
(849
)
  
—
   
—
   
(947
)
Recoveries
  
—
   
—
   
—
   
6
   
—
   
—
   
6
 
Provisions
  
(48
)
  
1,041
   
(374
)
  
(360
)
  
(259
)
  
—
   
—
 
Ending balance
 
$
1,375
  
$
11,855
  
$
3,668
  
$
12,740
  
$
310
  
$
—
  
$
29,948
 

 
 
Three months ended March 31, 2015
 
 
 
Residential
  
Residential commercial real estate
  
Credit/grocery retail commercial real estate
  
Other commercial real estate
  
Construction
and land loans
  
Unallocated
  
Total
 
 
 
(In thousands)
 
Allowance for loan losses:
 
  
  
  
  
  
  
 
Beginning balance
 
$
2,213
  
$
9,211
  
$
3,166
  
$
14,897
  
$
327
  
$
1,452
  
$
31,266
 
Charge-offs
  
(29
)
  
—
   
—
   
(348
)
  
—
   
—
   
(377
)
Recoveries
  
—
   
—
   
—
   
—
   
—
   
—
   
—
 
Provisions
  
526
   
(82
)
  
23
   
(392
)
  
(85
)
  
10
   
—
 
Ending balance
 
$
2,710
  
$
9,129
  
$
3,189
  
$
14,157
  
$
242
  
$
1,462
  
$
30,889
 

  
Nine months ended March 31, 2015
 
 
 
Residential
  
Residential commercial real estate
  
Credit/grocery retail commercial real estate
  
Other commercial real estate
  
Construction and land loans
  
Unallocated
  
Total
 
 
 
(In thousands)
 
Allowance for loan losses:
 
  
  
  
  
  
  
 
Beginning balance
 
$
1,568
  
$
5,327
  
$
2,652
  
$
17,995
  
$
1,108
  
$
2,751
  
$
31,401
 
Charge-offs
  
(333
)
  
—
   
—
   
(380
)
  
—
   
—
   
(713
)
Recoveries
  
—
   
—
   
—
   
—
   
1
   
—
   
1
 
Provisions
  
1,475
   
3,802
   
537
   
(3,458
)
  
(867
)
  
(1,289
)
  
200
 
Ending balance
 
$
2,710
  
$
9,129
  
$
3,189
  
$
14,157
  
$
242
  
$
1,462
  
$
30,889
 
Loans Individually Evaluated for Impairment by Class of Loans
The following table details the amount of loans receivables that are evaluated individually, and collectively, for impairment, and the related portion of allowance for loan loss that is allocated to each loan portfolio segment at March 31, 2016 and June 30, 2015.

  
At March 31, 2016
 
 
 
Residential
  
Residential commercial real estate
  
Credit/grocery retail commercial real estate
  
Other commercial real estate
  
Construction and land loans
  
Total
 
  
(In thousands)
 
Allowance for loan losses:
 
  
  
  
  
  
 
Individually evaluated for impairment
 
$
20
  
$
27
  
$
—
  
$
598
  
$
47
  
$
692
 
Collectively evaluated for impairment
  
1,355
   
11,828
   
3,668
   
12,142
   
263
   
29,256
 
Total
 
$
1,375
  
$
11,855
  
$
3,668
  
$
12,740
  
$
310
  
$
29,948
 
Loans receivable:
                        
Individually evaluated for impairment
 
$
3,631
  
$
314
  
$
—
  
$
9,406
  
$
56
  
$
13,407
 
Collectively evaluated for impairment
  
213,639
   
1,486,597
   
458,025
   
879,947
   
4,595
   
3,042,803
 
Total
 
$
217,270
  
$
1,486,911
  
$
458,025
  
$
889,353
  
$
4,651
  
$
3,056,210
 
 
                        

  
At June 30, 2015
 
 
 
Residential
  
Residential commercial real estate
  
Credit/grocery retail commercial real estate
  
Other commercial real estate
  
Construction
and land loans
  
Total
 
  
(In thousands)
 
Allowance for loan losses:
 
  
  
  
  
  
 
Individually evaluated for impairment
 
$
20
  
$
27
  
$
—
  
$
1,290
  
$
28
  
$
1,365
 
Collectively evaluated for impairment
  
1,501
   
10,787
   
4,042
   
12,653
   
541
   
29,524
 
Total
 
$
1,521
  
$
10,814
  
$
4,042
  
$
13,943
  
$
569
  
$
30,889
 
Loans receivable:
                        
Individually evaluated for impairment
 
$
3,780
  
$
311
  
$
—
  
$
11,439
  
$
224
  
$
15,754
 
Collectively evaluated for impairment
  
182,562
   
1,229,505
   
481,216
   
882,577
   
5,908
   
2,781,768
 
Total
 
$
186,342
  
$
1,229,816
  
$
481,216
  
$
894,016
  
$
6,132
  
$
2,797,522
 
 
Information about Loan Credit Quality
The following table provides information about the loan credit quality at March 31, 2016 and June 30, 2015:

 
 
At March 31, 2016
 
 
 
Satisfactory
  
Pass/Watch
  
Special Mention
  
Substandard
  
Doubtful
  
Total
 
 
 
(In thousands)
 
Residential
 
$
193,151
  
$
18,599
  
$
757
  
$
4,763
  
$
—
  
$
217,270
 
Residential commercial real estate
  
1,476,405
   
8,033
   
2,159
   
314
   
—
   
1,486,911
 
Credit/grocery retail commercial real estate
  
442,502
   
15,523
   
—
   
—
   
—
   
458,025
 
Other commercial real estate
  
795,682
   
55,798
   
18,853
   
19,020
   
—
   
889,353
 
Construction and land loans
  
4,595
   
—
   
—
   
56
   
—
   
4,651
 
Total
 
$
2,912,335
  
$
97,953
  
$
21,769
  
$
24,153
  
$
—
  
$
3,056,210
 

 
 
At June 30, 2015
 
 
 
Satisfactory
  
Pass/Watch
  
Special Mention
  
Substandard
  
Doubtful
  
Total
 
 
 
(In thousands)
 
Residential
 
$
162,769
  
$
18,236
  
$
416
  
$
4,921
  
$
—
  
$
186,342
 
Residential commercial real estate
  
1,203,514
   
18,487
   
2,125
   
5,690
   
—
   
1,229,816
 
Credit/grocery retail commercial real estate
  
477,351
   
3,865
   
—
   
—
   
—
   
481,216
 
Other commercial real estate
  
790,076
   
68,689
   
15,366
   
19,885
   
—
   
894,016
 
Construction and land loans
  
5,908
   
—
   
—
   
224
   
—
   
6,132
 
Total
 
$
2,639,618
  
$
109,277
  
$
17,907
  
$
30,720
  
$
—
  
$
2,797,522
 
 
Delinquency and Accrual Status of Loan Portfolio
The following table provides information about loans past due at March 31, 2016 and June 30, 2015:

 
 
At March 31, 2016
 
 
 
30-59 Days Past Due
  
60-89 Days Past Due
  
90 days or More Past Due
  
Total Past Due
  
Current
  
Total Loans
  
Nonaccrual (1)
 
 
 
(In thousands)
 
Residential
 
$
1,398
  
$
756
  
$
684
  
$
2,838
  
$
214,432
  
$
217,270
  
$
1,317
 
Residential commercial real estate
  
—
   
—
   
—
   
—
   
1,486,911
   
1,486,911
   
314
 
Credit/grocery retail commercial real estate
  
—
   
—
   
—
   
—
   
458,025
   
458,025
   
—
 
Other commercial real estate
  
2,019
   
428
   
1,047
   
3,494
   
885,859
   
889,353
   
8,302
 
Construction and land loans
  
—
   
—
   
56
   
56
   
4,595
   
4,651
   
56
 
Total
 
$
3,417
  
$
1,184
  
$
1,787
  
$
6,388
  
$
3,049,822
  
$
3,056,210
  
$
9,989
 

 
 
At June 30, 2015
 
 
 
30-59 Days Past Due
  
60-89 Days Past Due
  
90 days or More Past Due
  
Total Past Due
  
Current
  
Total Loans
  
Nonaccrual (2)
 
 
 
(In thousands)
 
Residential
 
$
340
  
$
432
  
$
888
  
$
1,660
  
$
184,682
  
$
186,342
  
$
1,329
 
Residential commercial real estate
  
—
   
311
   
—
   
311
   
1,229,505
   
1,229,816
   
311
 
Credit/grocery retail commercial real estate
  
—
   
—
   
—
   
—
   
481,216
   
481,216
   
—
 
Other commercial real estate
  
3,278
   
—
   
3,569
   
6,847
   
887,169
   
894,016
   
10,711
 
Construction and land loans
  
—
   
—
   
224
   
224
   
5,908
   
6,132
   
224
 
Total
 
$
3,618
  
$
743
  
$
4,681
  
$
9,042
  
$
2,788,480
  
$
2,797,522
  
$
12,575
 

(1)
Included in nonaccrual loans at March 31, 2016 are residential loans totaling $266,000 and other commercial real estate loans totaling $221,000 that were 30-59 days past due; residential loans totaling $367,000, residential commercial real estate loans totaling $314,000 and other commercial real estate loans totaling $7.0 million that were current.
(2)
Included in nonaccrual loans at June 30, 2015 are other commercial real estate loans totaling $1.1 million that were 30-59 days past due; residential loans totaling $16,000 and residential commercial real estate loans totaling $311,000 that were 60-89 days past due; residential loans totaling $425,000 and other commercial real estate loans totaling $6.1 million that were current.
Information Regarding Impaired Loans
The following table provides information about the Company's impaired loans at March 31, 2016 and June 30, 2015:

 
 
Impaired Loans
 
 
 
At March 31, 2016
  
Nine months ended March 31, 2016
 
 
 
Recorded Investment
  
Unpaid Principal Balance
  
Allowance
  
Average Recorded Investment
  
Interest Income Recognized
 
 
 
(In thousands)
 
With no related allowance recorded:
 
  
  
  
  
 
Residential
 
$
3,447
  
$
3,447
  
$
—
  
$
3,525
  
$
106
 
Other commercial real estate
  
5,024
   
5,024
   
—
   
5,497
   
184
 
 
  
8,471
   
8,471
   
—
   
9,022
   
290
 
With an allowance recorded:
                    
Residential
 
$
164
  
$
184
  
$
20
  
$
166
  
$
—
 
Residential commercial real estate
  
287
   
314
   
27
   
291
   
—
 
Other commercial real estate
  
3,784
   
4,382
   
598
   
3,866
   
—
 
Construction and land loans
  
9
   
56
   
47
   
90
   
—
 
 
  
4,244
   
4,936
   
692
   
4,413
   
—
 
Total:
                    
Residential
 
$
3,611
  
$
3,631
  
$
20
  
$
3,691
  
$
106
 
Residential commercial real estate
  
287
   
314
   
27
   
291
   
—
 
Other commercial real estate
  
8,808
   
9,406
   
598
   
9,363
   
184
 
Construction and land loans
  
9
   
56
   
47
   
90
   
—
 
 
 
$
12,715
  
$
13,407
  
$
692
  
$
13,435
  
$
290
 

 
 
Impaired Loans
 
 
 
At June 30, 2015
  
Year ended June 30, 2015
 
 
 
Recorded Investment
  
Unpaid Principal Balance
  
Allowance
  
Average Recorded Investment
  
Interest Income Recognized
 
 
 
(In thousands)
 
With no related allowance recorded:
 
  
  
  
  
 
Residential
 
$
3,592
  
$
3,592
  
$
—
  
$
3,429
  
$
144
 
Other commercial real estate
  
4,892
   
4,892
   
—
   
4,912
   
82
 
 
  
8,484
   
8,484
   
—
   
8,341
   
226
 
With an allowance recorded:
                    
Residential
 
$
168
  
$
188
  
$
20
  
$
171
  
$
8
 
Residential commercial real estate
  
284
   
311
   
27
   
432
   
—
 
Other commercial real estate
  
5,257
   
6,547
   
1,290
   
5,719
   
46
 
Construction and land loans
  
196
   
224
   
28
   
275
   
—
 
 
  
5,905
   
7,270
   
1,365
   
6,597
   
54
 
Total:
                    
Residential
 
$
3,760
  
$
3,780
  
$
20
  
$
3,600
  
$
152
 
Residential commercial real estate
  
284
   
311
   
27
   
432
   
—
 
Other commercial real estate
  
10,149
   
11,439
   
1,290
   
10,631
   
128
 
Construction and land loans
  
196
   
224
   
28
   
275
   
—
 
 
 
$
14,389
  
$
15,754
  
$
1,365
  
$
14,938
  
$
280
 
 
Troubled Debt Restructured (TDR) Loans
The following table presents additional information regarding the Company's TDRs as of March 31, 2016 and June 30, 2015:

 
Troubled Debt Restructurings at March 31, 2016
 
 
Performing
 
Nonperforming
 
Total
 
 
(In thousands)
 
Residential
 
$
—
  
$
184
  
$
184
 
Residential commercial real estate
  
—
   
314
   
314
 
Other commercial real estate
  
394
   
4,148
   
4,542
 
Construction and land loans
  
—
   
56
   
56
 
Total
 
$
394
  
$
4,702
  
$
5,096
 
Allowance
 
$
—
  
$
275
  
$
275
 
 
            
 
Troubled Debt Restructurings at June 30, 2015
 
 
Performing
 
Nonperforming
 
Total
 
 
(In thousands)
 
Residential
 
$
—
  
$
188
  
$
188
 
Residential commercial real estate
  
—
   
311
   
311
 
Other commercial real estate
  
418
   
2,710
   
3,128
 
Construction and land loans
  
—
   
224
   
224
 
Total
 
$
418
  
$
3,433
  
$
3,851
 
Allowance
 
$
—
  
$
948
  
$
948
 
 
Summary of Troubled Debt Restructuring on Financing Receivables Modifications
 
There were no loan relationships modified in a troubled debt restructuring during the three months ended March 31, 2016  and 2015.
 
 
Nine months ended March 31,
 
 
2016
 
2015
 
 
Number of
Relationships
 
Pre-Modification
Outstanding
Recorded
Investment
 
Post-Modification
Outstanding
Recorded
Investment
 
Number of
Relationships
 
Pre-Modification
Outstanding
Recorded
Investment
 
Post-Modification
Outstanding
Recorded
Investment
 
 
(Dollars in thousands)
 
(Dollars in thousands)
 
Other commercial real estate
  
1
   
3,385
   
2,280
   
—
   
—
   
—
 
Total
  
1
  
$
3,385
  
$
2,280
   
—
  
$
—
  
$
—
 
v3.4.0.3
Investment Securities (Tables)
 9 Months Ended
Mar. 31, 2016
Investment Securities [Abstract]  
Comparative summary of securities held to maturity
The following is a comparative summary of securities held to maturity at March 31, 2016 and June 30, 2015:

 
 
At March 31, 2016
 
 
 
Amortized cost
  
Gross
unrealized gains
  
Gross
unrealized losses
  
Fair value
 
 
 
(In thousands)
 
Mortgage-backed securities:
 
  
  
  
 
FHLMC
 
$
2,461
  
$
111
  
$
—
  
$
2,572
 
FNMA
  
76,870
   
1,003
   
47
   
77,826
 
GNMA
  
1,432
   
60
   
—
   
1,492
 
CMO
  
71,266
   
456
   
35
   
71,687
 
 
 
$
152,029
  
$
1,630
  
$
82
  
$
153,577
 

 
 
At June 30, 2015
 
 
 
Amortized cost
  
Gross
unrealized gains
  
Gross
unrealized losses
  
Fair value
 
 
 
(In thousands)
 
Mortgage-backed securities:
 
  
  
  
 
FHLMC
 
$
1,638
  
$
132
  
$
—
  
$
1,770
 
FNMA
  
55,808
   
269
   
637
   
55,440
 
GNMA
  
1,928
   
84
   
—
   
2,012
 
CMO
  
48,616
   
98
   
187
   
48,527
 
 
 
$
107,990
  
$
583
  
$
824
  
$
107,749
 
 
Gross unrealized losses on securities held to maturity
Gross unrealized losses on securities held to maturity and the fair value of the related securities, aggregated by security category and length of time that individual securities have been in a continuous unrealized loss position at March 31, 2016 and June 30, 2015 were as follows:

 
At March 31, 2016
 
 
Less than 12 months
 
Greater than 12 months
 
Total
 
 
Fair value
 
Gross
unrealized
losses
 
Fair value
 
Gross
unrealized
losses
 
Fair value
 
Gross
unrealized
losses
 
 
(In thousands)
 
Mortgage-backed securities:
 
  
  
  
  
  
 
FNMA
 
$
—
  
$
—
  
$
3,254
  
$
47
  
$
3,254
  
$
47
 
CMO
  
16,392
   
35
   
—
   
—
   
16,392
   
35
 
 
 
$
16,392
  
$
35
  
$
3,254
  
$
47
  
$
19,646
  
$
82
 

 
At June 30, 2015
 
 
Less than 12 months
 
Greater than 12 months
 
Total
 
 
Fair value
 
Gross
unrealized
losses
 
Fair value
 
Gross
unrealized
losses
 
Fair value
 
Gross
unrealized
losses
 
 
(In thousands)
 
Mortgage-backed securities:
 
  
  
  
  
  
 
FNMA
 
$
32,925
  
$
380
  
$
6,891
  
$
257
  
$
39,816
  
$
637
 
CMO
  
31,433
   
187
   
—
   
—
   
31,433
   
187
 
 
 
$
64,358
  
$
567
  
$
6,891
  
$
257
  
$
71,249
  
$
824
 
Summary of securities available for sale

The following is a comparative summary of securities available for sale at March 31, 2016 and June 30, 2015:

 
 
At March 31, 2016
 
 
 
Amortized
cost
  
Gross
unrealized
gains
  
Gross
unrealized
losses
  
Fair value
 
 
 
(In thousands)
 
Equity securities
 
$
601
  
$
527
  
$
—
  
$
1,128
 
Mortgage-backed securities:
                
FHLMC
  
934
   
46
   
—
   
980
 
FNMA
  
72,388
   
935
   
—
   
73,323
 
CMO
  
139,078
   
1,420
   
73
   
140,425
 
 
 
$
213,001
  
$
2,928
  
$
73
  
$
215,856
 

 
 
At June 30, 2015
 
 
 
Amortized
cost
  
Gross
unrealized
gains
  
Gross
unrealized
losses
  
Fair value
 
 
 
(In thousands)
 
Equity securities
 
$
1,208
  
$
902
  
$
—
  
$
2,110
 
Mortgage-backed securities:
                
FHLMC
  
5,162
   
163
   
—
   
5,325
 
FNMA
  
36,432
   
537
   
114
   
36,855
 
CMO
  
213,569
   
1,580
   
476
   
214,673
 
 
 
$
256,371
  
$
3,182
  
$
590
  
$
258,963
 
 
Gross unrealized losses on securities available for sale
Gross unrealized losses on securities available for sale and the fair value of the related securities, aggregated by security category and length of time that individual securities have been in a continuous unrealized loss position at March 31, 2016 and June 30, 2015 were as follows:

 
At March 31, 2016
 
 
Less than 12 months
 
Greater than 12 months
 
Total
 
 
Fair value
 
Gross
unrealized
losses
 
Fair value
 
Gross
unrealized
losses
 
Fair value
 
Gross
unrealized
losses
 
 
(In thousands)
 
Mortgage-backed securities:
 
 
 
 
 
 
CMO
  
—
   
—
   
25,043
   
73
   
25,043
   
73
 
 
 
$
—
  
$
—
  
$
25,043
  
$
73
  
$
25,043
  
$
73
 

 
At June 30, 2015
 
 
Less than 12 months
 
Greater than 12 months
 
Total
 
 
Fair value
 
Gross
unrealized
losses
 
Fair value
 
Gross
unrealized
losses
 
Fair value
 
Gross
unrealized
losses
 
 
(In thousands)
 
Mortgage-backed securities:
 
 
 
 
 
 
FNMA
 
$
17,185
  
$
114
  
$
—
  
$
—
  
$
17,185
  
$
114
 
CMO
  
42,463
   
296
   
9,947
   
180
   
52,410
   
476
 
 
 
$
59,648
  
$
410
  
$
9,947
  
$
180
  
$
69,595
  
$
590
 
 
v3.4.0.3
Deposits (Tables)
 9 Months Ended
Mar. 31, 2016
Deposits [Abstract]  
Summary of Deposit Balances
 Deposit balances are summarized as follows:

 
March 31, 2016
  
June 30, 2015
 
 
Amount
  
Amount
 
 
(In thousands)
 
Checking accounts
 
$
469,035
  
$
436,172
 
Money market deposit accounts
  
654,117
   
589,012
 
Savings accounts
  
163,989
   
160,020
 
Time deposits
  
937,502
   
777,533
 
 
 
$
2,224,643
  
$
1,962,737
 
v3.4.0.3
Derivatives and Hedging Activities (Tables)
 9 Months Ended
Mar. 31, 2016
Derivatives and Hedging Activities [Abstract]  
Information Regarding Derivative Financial Instruments
The following table presents information regarding our derivative financial instruments at March 31, 2016 and June 30, 2015.

 
  
At March 31, 2016
 
   
Notional Amount
  
Fair Value
 
Asset derivatives
 Balance Sheet Line Item
 
(In thousands)
 
Cash flow hedge interest rate swaps-Gross unrealized gain
Other Assets
 
$
100,000
  
$
42
 
   
Liability derivatives
 
 
Cash flow hedge interest rate swaps-Gross unrealized loss
Other Liabilities
 
$
230,000
  
$
13,720
 

 
  
At June 30, 2015
 
   
Notional Amount
 
Fair Value
 
Liability derivatives
 Balance Sheet Line Item
 
 
(In thousands)
 
Cash flow hedge interest rate swaps-Gross unrealized loss
Other Liabilities
 
$
100,000
  
$
3,560
 
v3.4.0.3
Fair Value Measurements (Tables)
 9 Months Ended
Mar. 31, 2016
Fair Value Measurements [Abstract]  
Assets Measured at Fair Value on a Recurring Basis
The following tables present the recorded amount of assets and liabilities measured at fair value on a recurring basis as of March 31, 2016 and June 30, 2015 by level within the fair value hierarchy. There were no transfers between levels within the fair value hierarchy during the nine months ended March 31, 2016.

 
 
Fair Value as of March 31, 2016
  
Quoted Prices
in Active
Markets for
Identical
Assets
(Level 1)
  
Significant
Other
Observable
Inputs
(Level 2)
  
Unobservable
Inputs
(Level 3)
 
 
 
(In thousands)
 
Assets:
 
  
  
  
 
Equity Securities
 
$
1,128
  
$
1,128
  
$
—
  
$
—
 
Mortgage-backed securities available for sale
                
FHLMC
  
980
   
—
   
980
   
—
 
FNMA
  
73,323
   
—
   
73,323
   
—
 
CMO
  
140,425
   
—
   
140,425
   
—
 
Total securities available for sale
  
215,856
   
1,128
   
214,728
   
—
 
                 
Interest rate swaps
  
42
   
—
   
42
   
—
 
Total assets
 
$
215,898
  
$
1,128
  
$
214,770
  
$
—
 
                 
 
                
Liabilities:
                
Interest rate swaps
 
$
13,720
  
$
—
  
$
13,720
  
$
—
 

 
 
Fair Value as of June 30, 2015
  
Quoted Prices
in Active
Markets for
Identical
Assets
(Level 1)
  
Significant
Other
Observable
Inputs
(Level 2)
  
Unobservable
Inputs
(Level 3)
 
 
 
(In thousands)
 
Assets:
 
  
  
  
 
Equity Securities
 
$
2,110
  
$
2,110
  
$
—
  
$
—
 
Mortgage-backed securities available for sale
                
FHLMC
  
5,325
   
—
   
5,325
   
—
 
FNMA
  
36,855
   
—
   
36,855
   
—
 
CMO
  
214,673
   
—
   
214,673
   
—
 
Total securities available for sale
 
$
258,963
  
$
2,110
  
$
256,853
  
$
—
 
 
                
Liabilities:
                
Interest rate swaps
 
$
3,560
  
$
—
  
$
3,560
  
$
—
 
 
Amount of Assets Measured at Fair Value on a Nonrecurring Basis
The following tables present the recorded amount of assets measured at fair value on a nonrecurring basis as of March 31, 2016 and June 30, 2015 by level within the fair value hierarchy.

  
Fair Value as of March 31, 2016
  
Quoted Prices
in Active
Markets for
Identical
Assets
(Level 1)
  
Significant
Other
Observable
Inputs
(Level 2)
  
Unobservable
Inputs
(Level 3)
 
  
(In thousands)
 
Assets:
        
Impaired loans:
        
Residential
 
$
164
  
$
—
  
$
—
  
$
164
 
Residential commercial real estate
  
287
   
—
   
—
   
287
 
Other commercial real estate
  
6,905
   
—
   
—
   
6,905
 
Construction and land loans
  
9
   
—
   
—
   
9
 
Total impaired loans
  
7,365
   
—
   
—
   
7,365
 
Real estate owned
                
Other commercial real estate
  
487
   
—
   
—
   
487
 
Total real estate owned
  
487
   
—
   
—
   
487
 
Total assets measured on a non-recurring basis
 
$
7,852
  
$
—
  
$
—
  
$
7,852
 

  
Fair Value as of June 30, 2015
  
Quoted Prices
in Active
Markets for
Identical
Assets
(Level 1)
  
Significant
Other
Observable
Inputs
(Level 2)
  
Unobservable
Inputs
(Level 3)
 
  
(In thousands)
 
Assets:
        
Impaired loans:
        
Residential
 
$
168
  
$
—
  
$
—
  
$
168
 
Residential commercial real estate
  
284
   
—
   
—
   
284
 
Other commercial real estate
  
8,187
   
—
   
—
   
8,187
 
Total impaired loans
  
8,639
   
—
   
—
   
8,639
 
Real estate owned
                
Residential
  
1,435
   
—
   
—
   
1,435
 
Residential commercial real estate
  
1,202
   
—
   
—
   
1,202
 
Other commercial real estate
  
1,422
   
—
   
—
   
1,422
 
Total real estate owned
  
4,059
   
—
   
—
   
4,059
 
Total assets measured on a non-recurring basis
 
$
12,698
  
$
—
  
$
—
  
$
12,698
 
Estimated Fair Value of Financial Instruments
The following tables present the carrying amount, estimated fair value, and placement in the fair value hierarchy of financial instruments not recorded at fair values in their entirety on a recurring basis on the Company's balance sheet at March 31, 2016 and June 30, 2015. These tables exclude financial instruments for which the carrying amount approximates fair value. Financial instruments for which the carrying amount approximates fair value include cash and cash equivalents, FHLB stock, non-maturity deposits, and overnight borrowings.
 
 
March 31, 2016
 
 
Carrying Amount
 
Fair Value
 
Quoted Prices
in Active
Markets for
Identical
Assets
(Level 1)
 
Significant
Other
Observable
Inputs
(Level 2)
 
Unobservable
Inputs
(Level 3)
 
 
(In thousands)
 
Financial assets:
 
 
 
 
 
Securities held to maturity
 
$
152,029
  
$
153,577
  
$
—
  
$
153,577
  
$
—
 
Loans, net (1)
  
3,017,736
   
3,042,594
   
—
   
—
   
3,042,594
 
Financial liabilities:
                    
Time deposits
  
937,502
   
946,298
   
—
   
946,298
   
—
 
Term borrowings
  
571,515
   
582,436
   
—
   
582,436
   
—
 
 _____________
(1)Comprised of loans (including impaired loans), net of deferred loan fees and the allowance for loan losses.
 
 
June 30, 2015
 
 
Carrying Amount
 
Fair Value
 
Quoted Prices
in Active
Markets for
Identical
Assets
(Level 1)
 
Significant
Other
Observable
Inputs
(Level 2)
 
Unobservable
Inputs
(Level 3)
 
 
(In thousands)
 
Financial assets:
 
 
 
 
 
Securities held to maturity
 
$
107,990
  
$
107,749
  
$
—
  
$
107,749
  
$
—
 
Loans, net (1)
  
2,756,212
   
2,774,448
   
—
   
—
   
2,774,448
 
Financial liabilities:
                    
Time deposits
  
777,533
   
785,466
   
—
   
785,466
   
—
 
Term borrowings
  
636,372
   
654,450
   
—
   
654,450
   
—
 
 ______________
(1)Comprised of loans (including impaired loans), net of deferred loan fees and the allowance for loan losses.
 
v3.4.0.3
Other Comprehensive Income (Tables)
 9 Months Ended
Mar. 31, 2016
Other Comprehensive Income [Abstract]  
Components of Comprehensive Income both Gross and Net of Tax
The components of comprehensive income, both gross and net of tax, are presented for the periods below (in thousands):

 
 
Three months ended March 31,
  
Nine months ended March 31,
 
 
 
2016
  
2015
  
2016
  
2015
 
Gross:
 
  
  
  
 
Net income
 
$
17,989
  
$
17,184
  
$
63,233
  
$
48,420
 
Other comprehensive loss:
                
Change in unrealized holding gain (loss) on securities available for sale
  
3,025
   
1,650
   
869
   
(102
)
Reclassification adjustment for security gains included in net income
  
—
   
(770
)
  
(604
)
  
(624
)
Amortization related to post-retirement obligations
  
56
   
23
   
168
   
68
 
Change in unrealized loss on interest rate swaps
  
(8,542
)
  
(2,384
)
  
(10,119
)
  
(6,333
)
Total other comprehensive loss
  
(5,461
)
  
(1,481
)
  
(9,686
)
  
(6,991
)
Total comprehensive income
  
12,528
   
15,703
   
53,547
   
41,429
 
Tax applicable to:
                
Net income
  
6,676
   
6,227
   
23,887
   
17,256
 
Other comprehensive loss:
                
Change in unrealized holding gain (loss) on securities available for sale
  
1,304
   
694
   
352
   
(45
)
Reclassification adjustment for security gains included in net income
  
—
   
(274
)
  
(261
)
  
(212
)
Amortization related to post-retirement obligations
  
25
   
9
   
72
   
28
 
Change in unrealized loss on interest rate swaps
  
(3,684
)
  
(1,009
)
  
(4,364
)
  
(2,680
)
Total other comprehensive loss
  
(2,355
)
  
(580
)
  
(4,201
)
  
(2,909
)
Total comprehensive income
  
4,321
   
5,647
   
19,686
   
14,347
 
Net of tax:
                
Net income
  
11,313
   
10,957
   
39,346
   
31,164
 
Other comprehensive loss:
                
Change in unrealized holding gain (loss) on securities available for sale
  
1,721
   
956
   
517
   
(57
)
Reclassification adjustment for security gains included in net income
  
—
   
(496
)
  
(343
)
  
(412
)
Amortization related to post-retirement obligations
  
31
   
14
   
96
   
40
 
Change in unrealized loss on interest rate swaps
  
(4,858
)
  
(1,375
)
  
(5,755
)
  
(3,653
)
Total other comprehensive loss
  
(3,106
)
  
(901
)
  
(5,485
)
  
(4,082
)
Total comprehensive income
 
$
8,207
  
$
10,056
  
$
33,861
  
$
27,082
 
 
Components of Accumulated Other Comprehensive Income (Loss), Net of Tax
The following table presents the changes in the components of accumulated other comprehensive (loss) income, net of tax, for the nine months ended March 31, 2016 and 2015 (in thousands):

 
 
Unrealized Holding Loss on Securities Available for Sale
  
Post Retirement Obligations
  
Unrealized Holding Loss on Interest Rate Swaps
  
Accumulated Other Comprehensive (Loss), Net of Tax
 
Balance at June 30, 2015
 
$
1,496
  
$
(1,316
)
 
$
(2,028
)
 
$
(1,848
)
Net change
  
174
   
96
   
(5,755
)
  
(5,485
)
Balance at March 31, 2016
 
$
1,670
  
$
(1,220
)
 
$
(7,783
)
 
$
(7,333
)
 
                
Balance at June 30, 2014
 
$
2,728
  
$
(617
)
 
$
83
  
$
2,194
 
Net change
  
(469
)
  
40
   
(3,653
)
  
(4,082
)
Balance at March 31, 2015
 
$
2,259
  
$
(577
)
 
$
(3,570
)
 
$
(1,888
)
Information about Amount of Reclassification from Accumulated Other Comprehensive Income (Loss)
The following table sets forth information about the amount reclassified from accumulated other comprehensive income (loss) to the consolidated statement of income and the affected line item in the statement where net income is presented (in thousands).
 
  
Three months ended March 31,
  
Nine months ended March 31,
 
 Accumulated Other Comprehensive Income (Loss) Component
 Affected line item in the Consolidated Statement of Income
 
2016
  
2015
  
2016
  
2015
 
Reclassification adjustment for security gains included in net income
Net gain on sale of securities available for sale
 
$
—
  
$
(770
)
 
$
(604
)
 
$
(624
)
 
 
                
Amortization related to post-retirement obligations (1)
 
                
Prior service cost
 
  
—
   
15
   
—
   
45
 
Net loss
 
  
56
   
8
   
168
   
23
 
 
 Compensation, payroll taxes and fringe benefits  
56
   
23
   
168
   
68
 
 
 
                
 
 Total before tax  
56
   
(747
)
  
(436
)
  
(556
)
 
 Income tax benefit (expense)  
25
   
(265
)
  
(189
)
  
(184
)
 
 Net of tax  
31
   
(482
)
  
(247
)
  
(372
)
 
(1) These accumulated other comprehensive income (loss) components are included in the computations of net periodic benefit cost.  See Note 5. Postretirement Benefits.
v3.4.0.3
Earnings Per Share ("EPS") (Details) - USD ($)
$ / shares in Units, shares in Thousands, $ in Thousands
 3 Months Ended 9 Months Ended
Mar. 31, 2016
Mar. 31, 2015
Mar. 31, 2016
Mar. 31, 2015
Summary of the Company's earnings per share calculations and reconciliation of basic to diluted earnings per share [Abstract]        
Net income $ 11,313 $ 10,957 $ 39,346 $ 31,164
Weighted average common shares outstanding-basic (in shares) 42,030 41,391 41,595 41,806
Effect of dilutive stock options outstanding (in shares) 1,169 922 1,159 932
Weighted average common shares outstanding-diluted (in shares) 43,199 42,313 42,754 42,738
Earnings per share-basic (in dollars per share) $ 0.27 $ 0.26 $ 0.95 $ 0.75
Earnings per share-diluted (in dollars per share) $ 0.26 $ 0.26 $ 0.92 $ 0.73
Anti-dilutive (in shares) 4,007 19,880 5,250 20,111
v3.4.0.3
Stock Repurchase Program (Details) - $ / shares
 9 Months Ended
Mar. 31, 2016
Mar. 04, 2015
Schedule of Capitalization, Equity [Line Items]    
Number of outstanding shares authorized to be repurchased (in shares)   2,205,451
Percentage of outstanding shares authorized to be repurchased (in hundredths)   5.00%
Stock Repurchase Program [Member]    
Schedule of Capitalization, Equity [Line Items]    
Number of outstanding shares authorized to be repurchased (in shares)   2,205,451
Percentage of outstanding shares authorized to be repurchased (in hundredths)   5.00%
Shares acquired under repurchase plan (in shares) 13,179,026  
Weighted average cost of shares acquired under repurchase plan (in dollars per share) $ 13.28  
Number of shares yet to be repurchased (in shares) 1,987,506  
v3.4.0.3
Equity Incentive Plans (Details) - shares
Jul. 26, 2011
Apr. 22, 2008
2007 Equity Plan [Member]    
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]    
Equity Incentive Plan issuance of common stock (in shares)   4,172,817
2011 Equity Plan [Member]    
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]    
Equity Incentive Plan issuance of common stock (in shares) 5,790,849  
2011 Equity Plan [Member] | Restricted Stock and Restricted Stock Units [Member] | Maximum [Member]    
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]    
Equity Incentive Plan issuance of common stock (in shares) 1,654,528  
v3.4.0.3
Equity Incentive Plans, Stock Option (Details) - Stock Options [Member] - USD ($)
 3 Months Ended 9 Months Ended 12 Months Ended
Mar. 31, 2016
Mar. 31, 2015
Mar. 31, 2016
Mar. 31, 2015
Jun. 30, 2015
Share-based payment award, employee stock purchase plan, valuation assumptions [Abstract]          
Option shares granted (in shares)     20,000 0  
Expected dividend yield (in hundredths)     6.75% 0.00%  
Expected volatility (in hundredths)     26.10% 0.00%  
Risk-free interest rate (in hundredths)     2.03% 0.00%  
Expected option life     6 years 6 months 0 years  
Number of Stock Options [Roll Forward]          
Outstanding, beginning of period (in shares)     5,900,164    
Option shares granted (in shares)     20,000 0  
Exercised (in shares)     (1,151,466)    
Forfeited (in shares)     (20,000)    
Outstanding, end of period (in shares) 4,748,698   4,748,698   5,900,164
Exercisable, end of period (in shares) 3,910,912   3,910,912    
Weighted Average Grant Date Fair Value [Abstract]          
Outstanding, beginning of period (in dollars per share)     $ 2.57    
Granted (in dollars per share)     1.64    
Exercised (in dollars per share)     2.43    
Forfeited (in dollars per share)     2.69    
Outstanding, end of period (in dollars per share) $ 2.59   2.59   $ 2.57
Exercisable, end of period (in dollars per share) 2.58   2.58    
Weighted Average Exercise Price [Abstract]          
Outstanding, beginning of period (in dollars per share)     11.50    
Granted (in dollars per share)     15.89    
Exercised (in dollars per share)     10.95    
Forfeited (in dollars per share)     12.65    
Outstanding, end of period (in dollars per share) 11.64   11.64   $ 11.50
Exercisable, end of period (in dollars per share) $ 11.50   $ 11.50    
Weighted Average Remaining Contractual Life (years) [Abstract]          
Granted     10 years    
Exercised     3 years 4 months 24 days    
Forfeited     6 years 2 months 12 days    
Outstanding     5 years 6 months   5 years 9 months 18 days
Exercisable     4 years 4 months 24 days    
Vesting period     5 years    
Expiration period of vested options after issuance     10 years    
Expiration period of vested options after termination of services     90 days    
Share based compensation expense $ 522,000 $ 536,000 $ 1,600,000 $ 1,600,000  
Expected future expense related to the non-vested options outstanding $ 911,000   $ 911,000    
Weighted average period related to the non-vested options outstanding     6 months    
v3.4.0.3
Equity Incentive Plans, Restricted Stock (Details) - Restricted Stock [Member] - USD ($)
 3 Months Ended 9 Months Ended
Mar. 31, 2016
Mar. 31, 2015
Mar. 31, 2016
Mar. 31, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]        
Vesting period     5 years  
Number of Shares Awarded [Roll Forward]        
Non-vested, beginning of period (in shares)     668,040  
Granted (in shares)     10,000  
Vested (in shares)     (322,553)  
Forfeited (in shares)     (6,000)  
Non-vested, end of period (in shares) 349,487   349,487  
Weighted Average Grant Date Fair Value [Abstract]        
Non-vested, beginning of period (in dollars per share)     $ 12.17  
Granted (in dollars per share)     15.89  
Vested (in dollars per share)     12.05  
Forfeited (in dollars per share)     11.95  
Non-vested, end of period (in dollars per share) $ 12.38   $ 12.38  
Share based compensation expense $ 966,000 $ 976,000 $ 2,900,000 $ 2,900,000
Expected future expense related to the non-vested restricted stock shares $ 1,900,000   $ 1,900,000  
Weighted average period for recognition     8 months 12 days  
v3.4.0.3
Post-retirement Benefits (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Mar. 31, 2016
Mar. 31, 2015
Mar. 31, 2016
Mar. 31, 2015
Retirement Plan [Member]        
Net Periodic benefit costs expected to be amortized into expenses [Abstract]        
Service cost $ 44 $ 37 $ 131 $ 111
Interest cost 57 51 170 152
Amortization of unrecognized [Abstract]        
Prior service cost 0 15 0 45
Net loss 7 0 22 0
Total 108 103 323 308
BEP Plan [Member]        
Net Periodic benefit costs expected to be amortized into expenses [Abstract]        
Service cost 0 0 0 0
Interest cost 12 10 36 30
Amortization of unrecognized [Abstract]        
Prior service cost 0 0 0 0
Net loss 10 6 30 18
Total 22 16 66 48
Medical Plan [Member]        
Net Periodic benefit costs expected to be amortized into expenses [Abstract]        
Service cost 19 31 58 93
Interest cost 59 45 176 136
Amortization of unrecognized [Abstract]        
Prior service cost 0 0 0 0
Net loss 39 2 116 5
Total $ 117 $ 78 $ 350 $ 234
v3.4.0.3
Loans (Details) - USD ($)
$ in Thousands
Mar. 31, 2016
Dec. 31, 2015
Jun. 30, 2015
Mar. 31, 2015
Dec. 31, 2014
Jun. 30, 2014
Summary of Loans [Abstract]            
Total loans $ 3,056,210   $ 2,797,522      
Less [Abstract]            
Deferred loan fees, net 8,526   10,421      
Allowance for loan losses 29,948 $ 30,635 30,889 $ 30,889 $ 31,266 $ 31,401
Net loans 3,017,736   2,756,212      
Residential [Member]            
Summary of Loans [Abstract]            
Total loans 217,270   186,342      
Less [Abstract]            
Allowance for loan losses 1,375 1,518 1,521 2,710 2,213 1,568
Residential Commercial Real Estate [Member]            
Summary of Loans [Abstract]            
Total loans 1,486,911   1,229,816      
Less [Abstract]            
Allowance for loan losses 11,855 10,893 10,814 9,129 9,211 5,327
Credit/Grocery Retail Commercial Real Estate [Member]            
Summary of Loans [Abstract]            
Total loans 458,025   481,216      
Less [Abstract]            
Allowance for loan losses 3,668 3,654 4,042 3,189 3,166 2,652
Other Commercial Real Estate [Member]            
Summary of Loans [Abstract]            
Total loans 889,353   894,016      
Less [Abstract]            
Allowance for loan losses 12,740 13,858 13,943 14,157 14,897 17,995
Construction and Land Loans [Member]            
Summary of Loans [Abstract]            
Total loans 4,651   6,132      
Less [Abstract]            
Allowance for loan losses $ 310 $ 712 $ 569 $ 242 $ 327 $ 1,108
v3.4.0.3
Loans, Allowance for Loan Losses (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Mar. 31, 2016
Mar. 31, 2015
Mar. 31, 2016
Mar. 31, 2015
Activity in allowance for loan losses [Abstract]        
Balance, beginning of period $ 30,635 $ 31,266 $ 30,889 $ 31,401
Provision for loan losses 0 0 0 200
Recoveries of loans previously charged off 5 0 6 1
Loans charged off (692) (377) (947) (713)
Balance, end of period $ 29,948 $ 30,889 $ 29,948 $ 30,889
v3.4.0.3
Loans, Allowance for Loan Losses by Category (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Mar. 31, 2016
Mar. 31, 2015
Mar. 31, 2016
Mar. 31, 2015
Activity in allowance for loan losses [Abstract]        
Balance, beginning of period $ 30,635 $ 31,266 $ 30,889 $ 31,401
Charge-offs (692) (377) (947) (713)
Recoveries 5 0 6 1
Provisions 0 0 0 200
Balance, end of period 29,948 30,889 29,948 30,889
Residential [Member]        
Activity in allowance for loan losses [Abstract]        
Balance, beginning of period 1,518 2,213 1,521 1,568
Charge-offs 0 (29) (98) (333)
Recoveries 0 0 0 0
Provisions (143) 526 (48) 1,475
Balance, end of period 1,375 2,710 1,375 2,710
Residential Commercial Real Estate [Member]        
Activity in allowance for loan losses [Abstract]        
Balance, beginning of period 10,893 9,211 10,814 5,327
Charge-offs 0 0 0 0
Recoveries 0 0 0 0
Provisions 962 (82) 1,041 3,802
Balance, end of period 11,855 9,129 11,855 9,129
Credit/Grocery Retail Commercial Real Estate [Member]        
Activity in allowance for loan losses [Abstract]        
Balance, beginning of period 3,654 3,166 4,042 2,652
Charge-offs 0 0 0 0
Recoveries 0 0 0 0
Provisions 14 23 (374) 537
Balance, end of period 3,668 3,189 3,668 3,189
Other Commercial Real Estate [Member]        
Activity in allowance for loan losses [Abstract]        
Balance, beginning of period 13,858 14,897 13,943 17,995
Charge-offs (692) (348) (849) (380)
Recoveries 5 0 6 0
Provisions (431) (392) (360) (3,458)
Balance, end of period 12,740 14,157 12,740 14,157
Construction and Land Loans [Member]        
Activity in allowance for loan losses [Abstract]        
Balance, beginning of period 712 327 569 1,108
Charge-offs 0 0 0 0
Recoveries 0 0 0 1
Provisions (402) (85) (259) (867)
Balance, end of period 310 242 310 242
Unallocated [Member]        
Activity in allowance for loan losses [Abstract]        
Balance, beginning of period 0 1,452 0 2,751
Charge-offs 0 0 0 0
Recoveries 0 0 0 0
Provisions 0 10 0 (1,289)
Balance, end of period $ 0 $ 1,462 $ 0 $ 1,462
v3.4.0.3
Loans, Allowance for Loan Losses by Portfolio Segment Based on Impairment Method (Details) - USD ($)
$ in Thousands
Mar. 31, 2016
Dec. 31, 2015
Jun. 30, 2015
Mar. 31, 2015
Dec. 31, 2014
Jun. 30, 2014
Allowance for loan losses [Abstract]            
Individually evaluated for impairment $ 692   $ 1,365      
Collectively evaluated for impairment 29,256   29,524      
Total 29,948 $ 30,635 30,889 $ 30,889 $ 31,266 $ 31,401
Loans receivables [Abstract]            
Individually evaluated for impairment 13,407   15,754      
Collectively evaluated for impairment 3,042,803   2,781,768      
Total Loans 3,056,210   2,797,522      
Residential [Member]            
Allowance for loan losses [Abstract]            
Individually evaluated for impairment 20   20      
Collectively evaluated for impairment 1,355   1,501      
Total 1,375 1,518 1,521 2,710 2,213 1,568
Loans receivables [Abstract]            
Individually evaluated for impairment 3,631   3,780      
Collectively evaluated for impairment 213,639   182,562      
Total Loans 217,270   186,342      
Residential Commercial Real Estate [Member]            
Allowance for loan losses [Abstract]            
Individually evaluated for impairment 27   27      
Collectively evaluated for impairment 11,828   10,787      
Total 11,855 10,893 10,814 9,129 9,211 5,327
Loans receivables [Abstract]            
Individually evaluated for impairment 314   311      
Collectively evaluated for impairment 1,486,597   1,229,505      
Total Loans 1,486,911   1,229,816      
Credit/Grocery Retail Commercial Real Estate [Member]            
Allowance for loan losses [Abstract]            
Individually evaluated for impairment 0   0      
Collectively evaluated for impairment 3,668   4,042      
Total 3,668 3,654 4,042 3,189 3,166 2,652
Loans receivables [Abstract]            
Individually evaluated for impairment 0   0      
Collectively evaluated for impairment 458,025   481,216      
Total Loans 458,025   481,216      
Other Commercial Real Estate [Member]            
Allowance for loan losses [Abstract]            
Individually evaluated for impairment 598   1,290      
Collectively evaluated for impairment 12,142   12,653      
Total 12,740 13,858 13,943 14,157 14,897 17,995
Loans receivables [Abstract]            
Individually evaluated for impairment 9,406   11,439      
Collectively evaluated for impairment 879,947   882,577      
Total Loans 889,353   894,016      
Construction and Land Loans [Member]            
Allowance for loan losses [Abstract]            
Individually evaluated for impairment 47   28      
Collectively evaluated for impairment 263   541      
Total 310 712 569 242 327 1,108
Loans receivables [Abstract]            
Individually evaluated for impairment 56   224      
Collectively evaluated for impairment 4,595   5,908      
Total Loans 4,651   6,132      
Unallocated [Member]            
Allowance for loan losses [Abstract]            
Total $ 0 $ 0 $ 0 $ 1,462 $ 1,452 $ 2,751
v3.4.0.3
Loans, Credit Quality Indicators (Details) - USD ($)
$ in Thousands
Mar. 31, 2016
Jun. 30, 2015
Loan credit quality [Abstract]    
Total loans $ 3,056,210 $ 2,797,522
Satisfactory [Member]    
Loan credit quality [Abstract]    
Total loans 2,912,335 2,639,618
Pass/Watch [Member]    
Loan credit quality [Abstract]    
Total loans 97,953 109,277
Special Mention [Member]    
Loan credit quality [Abstract]    
Total loans 21,769 17,907
Substandard [Member]    
Loan credit quality [Abstract]    
Total loans 24,153 30,720
Doubtful [Member]    
Loan credit quality [Abstract]    
Total loans 0 0
Residential [Member]    
Loan credit quality [Abstract]    
Total loans 217,270 186,342
Residential [Member] | Satisfactory [Member]    
Loan credit quality [Abstract]    
Total loans 193,151 162,769
Residential [Member] | Pass/Watch [Member]    
Loan credit quality [Abstract]    
Total loans 18,599 18,236
Residential [Member] | Special Mention [Member]    
Loan credit quality [Abstract]    
Total loans 757 416
Residential [Member] | Substandard [Member]    
Loan credit quality [Abstract]    
Total loans 4,763 4,921
Residential [Member] | Doubtful [Member]    
Loan credit quality [Abstract]    
Total loans 0 0
Residential Commercial Real Estate [Member]    
Loan credit quality [Abstract]    
Total loans 1,486,911 1,229,816
Residential Commercial Real Estate [Member] | Satisfactory [Member]    
Loan credit quality [Abstract]    
Total loans 1,476,405 1,203,514
Residential Commercial Real Estate [Member] | Pass/Watch [Member]    
Loan credit quality [Abstract]    
Total loans 8,033 18,487
Residential Commercial Real Estate [Member] | Special Mention [Member]    
Loan credit quality [Abstract]    
Total loans 2,159 2,125
Residential Commercial Real Estate [Member] | Substandard [Member]    
Loan credit quality [Abstract]    
Total loans 314 5,690
Residential Commercial Real Estate [Member] | Doubtful [Member]    
Loan credit quality [Abstract]    
Total loans 0 0
Credit/Grocery Retail Commercial Real Estate [Member]    
Loan credit quality [Abstract]    
Total loans 458,025 481,216
Credit/Grocery Retail Commercial Real Estate [Member] | Satisfactory [Member]    
Loan credit quality [Abstract]    
Total loans 442,502 477,351
Credit/Grocery Retail Commercial Real Estate [Member] | Pass/Watch [Member]    
Loan credit quality [Abstract]    
Total loans 15,523 3,865
Credit/Grocery Retail Commercial Real Estate [Member] | Special Mention [Member]    
Loan credit quality [Abstract]    
Total loans 0 0
Credit/Grocery Retail Commercial Real Estate [Member] | Substandard [Member]    
Loan credit quality [Abstract]    
Total loans 0 0
Credit/Grocery Retail Commercial Real Estate [Member] | Doubtful [Member]    
Loan credit quality [Abstract]    
Total loans 0 0
Other Commercial Real Estate [Member]    
Loan credit quality [Abstract]    
Total loans 889,353 894,016
Other Commercial Real Estate [Member] | Satisfactory [Member]    
Loan credit quality [Abstract]    
Total loans 795,682 790,076
Other Commercial Real Estate [Member] | Pass/Watch [Member]    
Loan credit quality [Abstract]    
Total loans 55,798 68,689
Other Commercial Real Estate [Member] | Special Mention [Member]    
Loan credit quality [Abstract]    
Total loans 18,853 15,366
Other Commercial Real Estate [Member] | Substandard [Member]    
Loan credit quality [Abstract]    
Total loans 19,020 19,885
Other Commercial Real Estate [Member] | Doubtful [Member]    
Loan credit quality [Abstract]    
Total loans 0 0
Construction and Land Loans [Member]    
Loan credit quality [Abstract]    
Total loans 4,651 6,132
Construction and Land Loans [Member] | Satisfactory [Member]    
Loan credit quality [Abstract]    
Total loans 4,595 5,908
Construction and Land Loans [Member] | Pass/Watch [Member]    
Loan credit quality [Abstract]    
Total loans 0 0
Construction and Land Loans [Member] | Special Mention [Member]    
Loan credit quality [Abstract]    
Total loans 0 0
Construction and Land Loans [Member] | Substandard [Member]    
Loan credit quality [Abstract]    
Total loans 56 224
Construction and Land Loans [Member] | Doubtful [Member]    
Loan credit quality [Abstract]    
Total loans $ 0 $ 0
v3.4.0.3
Loans, Past Due (Details) - USD ($)
Mar. 31, 2016
Jun. 30, 2015
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due $ 6,388,000 $ 9,042,000
Current 3,049,822,000 2,788,480,000
Total Loans 3,056,210,000 2,797,522,000
Nonaccrual 9,989,000 [1] 12,575,000 [2]
30-59 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 3,417,000 3,618,000
60-89 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 1,184,000 743,000
90 Days or More Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 1,787,000 4,681,000
Residential [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 2,838,000 1,660,000
Current 214,432,000 184,682,000
Total Loans 217,270,000 186,342,000
Nonaccrual 1,317,000 [1] 1,329,000 [2]
Residential [Member] | Nonaccrual Status [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Current 367,000 [1] 425,000 [2]
Residential [Member] | 30-59 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 1,398,000 340,000
Residential [Member] | 30-59 Days Past Due [Member] | Nonaccrual Status [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 266,000 [1] 0 [2]
Residential [Member] | 60-89 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 756,000 432,000
Residential [Member] | 60-89 Days Past Due [Member] | Nonaccrual Status [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 [1] 16,000 [2]
Residential [Member] | 90 Days or More Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 684,000 888,000
Residential Commercial Real Estate [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 311,000
Current 1,486,911,000 1,229,505,000
Total Loans 1,486,911,000 1,229,816,000
Nonaccrual 314,000 [1] 311,000 [2]
Residential Commercial Real Estate [Member] | Nonaccrual Status [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Current 314,000 [1] 0 [2]
Residential Commercial Real Estate [Member] | 30-59 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Residential Commercial Real Estate [Member] | 60-89 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 311,000
Residential Commercial Real Estate [Member] | 60-89 Days Past Due [Member] | Nonaccrual Status [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 [1] 311,000 [2]
Residential Commercial Real Estate [Member] | 90 Days or More Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Credit/Grocery Retail Commercial Real Estate [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Current 458,025,000 481,216,000
Total Loans 458,025,000 481,216,000
Nonaccrual 0 [1] 0 [2]
Credit/Grocery Retail Commercial Real Estate [Member] | 30-59 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Credit/Grocery Retail Commercial Real Estate [Member] | 60-89 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Credit/Grocery Retail Commercial Real Estate [Member] | 90 Days or More Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Other Commercial Real Estate [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 3,494,000 6,847,000
Current 885,859,000 887,169,000
Total Loans 889,353,000 894,016,000
Nonaccrual 8,302,000 [1] 10,711,000 [2]
Other Commercial Real Estate [Member] | Nonaccrual Status [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Current 7,034,000 [1] 6,059,000 [2]
Other Commercial Real Estate [Member] | 30-59 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 2,019,000 3,278,000
Other Commercial Real Estate [Member] | 30-59 Days Past Due [Member] | Nonaccrual Status [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 221,000 [1] 1,083,000 [2]
Other Commercial Real Estate [Member] | 60-89 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 428,000 0
Other Commercial Real Estate [Member] | 90 Days or More Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 1,047,000 3,569,000
Construction and Land Loans [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 56,000 224,000
Current 4,595,000 5,908,000
Total Loans 4,651,000 6,132,000
Nonaccrual 56,000 [1] 224,000 [2]
Construction and Land Loans [Member] | 30-59 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Construction and Land Loans [Member] | 60-89 Days Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due 0 0
Construction and Land Loans [Member] | 90 Days or More Past Due [Member]    
Financing Receivable, Recorded Investment, Past Due [Line Items]    
Total Past Due $ 56,000 $ 224,000
[1] Included in nonaccrual loans at March 31, 2016 are residential loans totaling $266,000 and other commercial real estate loans totaling $221,000 that were 30-59 days past due; residential loans totaling $367,000, residential commercial real estate loans totaling $314,000 and other commercial real estate loans totaling $7.0 million that were current.
[2] Included in nonaccrual loans at June 30, 2015 are other commercial real estate loans totaling $1.1 million that were 30-59 days past due; residential loans totaling $16,000 and residential commercial real estate loans totaling $311,000 that were 60-89 days past due; residential loans totaling $425,000 and other commercial real estate loans totaling $6.1 million that were current.
v3.4.0.3
Loans, Impaired Loans (Details) - USD ($)
$ in Thousands
 9 Months Ended 12 Months Ended
Mar. 31, 2016
Jun. 30, 2015
With no related allowance recorded [Abstract]    
Recorded Investment $ 8,471 $ 8,484
Unpaid Principal Balance 8,471 8,484
Average Recorded Investment 9,022 8,341
Interest Income Recognized 290 226
With an allowance recorded [Abstract]    
Recorded Investment 4,244 5,905
Unpaid Principal Balance 4,936 7,270
Average Recorded Investment 4,413 6,597
Interest Income Recognized 0 54
Recorded Investment, Total 12,715 14,389
Unpaid Principal Balance, Total 13,407 15,754
Allowance 692 1,365
Average Recorded Investment, Total 13,435 14,938
Interest Income Recognized, Total 290 280
Residential [Member]    
With no related allowance recorded [Abstract]    
Recorded Investment 3,447 3,592
Unpaid Principal Balance 3,447 3,592
Average Recorded Investment 3,525 3,429
Interest Income Recognized 106 144
With an allowance recorded [Abstract]    
Recorded Investment 164 168
Unpaid Principal Balance 184 188
Average Recorded Investment 166 171
Interest Income Recognized 0 8
Recorded Investment, Total 3,611 3,760
Unpaid Principal Balance, Total 3,631 3,780
Allowance 20 20
Average Recorded Investment, Total 3,691 3,600
Interest Income Recognized, Total 106 152
Residential Commercial Real Estate [Member]    
With an allowance recorded [Abstract]    
Recorded Investment 287 284
Unpaid Principal Balance 314 311
Average Recorded Investment 291 432
Interest Income Recognized 0 0
Recorded Investment, Total 287 284
Unpaid Principal Balance, Total 314 311
Allowance 27 27
Average Recorded Investment, Total 291 432
Interest Income Recognized, Total 0 0
Other Commercial Real Estate [Member]    
With no related allowance recorded [Abstract]    
Recorded Investment 5,024 4,892
Unpaid Principal Balance 5,024 4,892
Average Recorded Investment 5,497 4,912
Interest Income Recognized 184 82
With an allowance recorded [Abstract]    
Recorded Investment 3,784 5,257
Unpaid Principal Balance 4,382 6,547
Average Recorded Investment 3,866 5,719
Interest Income Recognized 0 46
Recorded Investment, Total 8,808 10,149
Unpaid Principal Balance, Total 9,406 11,439
Allowance 598 1,290
Average Recorded Investment, Total 9,363 10,631
Interest Income Recognized, Total 184 128
Construction and Land Loans [Member]    
With an allowance recorded [Abstract]    
Recorded Investment 9 196
Unpaid Principal Balance 56 224
Average Recorded Investment 90 275
Interest Income Recognized 0 0
Recorded Investment, Total 9 196
Unpaid Principal Balance, Total 56 224
Allowance 47 28
Average Recorded Investment, Total 90 275
Interest Income Recognized, Total $ 0 $ 0
v3.4.0.3
Loans, Troubled Debt Restructurings (Details)
$ in Thousands
 3 Months Ended 9 Months Ended
Mar. 31, 2016
USD ($)
Contract
Mar. 31, 2015
USD ($)
Contract
Mar. 31, 2016
USD ($)
Contract
Mar. 31, 2015
USD ($)
Contract
Jun. 30, 2015
USD ($)
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructurings $ 5,096   $ 5,096   $ 3,851
Troubled Debt Restructurings, Allowance 275   275   948
Default TDR loans     0    
Residential [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructurings 184   184   188
Residential Commercial Real Estate [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructurings 314   314   311
Other Commercial Real Estate [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructurings 4,542   4,542   3,128
Construction and Land Loans [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructurings 56   56   224
Performing [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructurings 394   394   418
Troubled Debt Restructurings, Allowance 0   0   0
Performing [Member] | Residential [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructurings 0   0   0
Performing [Member] | Residential Commercial Real Estate [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructurings 0   0   0
Performing [Member] | Other Commercial Real Estate [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructurings 394   394   418
Performing [Member] | Construction and Land Loans [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructurings 0   0   0
Nonperforming [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructurings 4,702   4,702   3,433
Troubled Debt Restructurings, Allowance 275   275   948
Nonperforming [Member] | Residential [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructurings 184   184   188
Nonperforming [Member] | Residential Commercial Real Estate [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructurings 314   314   311
Nonperforming [Member] | Other Commercial Real Estate [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructurings 4,148   4,148   2,710
Nonperforming [Member] | Construction and Land Loans [Member]          
Financing Receivable, Modifications [Line Items]          
Troubled Debt Restructurings $ 56   $ 56   $ 224
TDRs modified during the period [Member]          
Financing Receivable, Modifications [Line Items]          
Number of Relationships | Contract 0 0 1 0  
Pre-Modification Outstanding Recorded Investment $ 0 $ 0 $ 3,385 $ 0  
Post-Modification Outstanding Recorded Investment $ 0 $ 0 $ 2,280 $ 0  
TDRs modified during the period [Member] | Other Commercial Real Estate [Member]          
Financing Receivable, Modifications [Line Items]          
Number of Relationships | Contract     1 0  
Pre-Modification Outstanding Recorded Investment     $ 3,385 $ 0  
Post-Modification Outstanding Recorded Investment     $ 2,280 $ 0  
v3.4.0.3
Investment Securities, Securities Held to Maturity (Details) - USD ($)
 3 Months Ended 9 Months Ended
Mar. 31, 2016
Mar. 31, 2015
Mar. 31, 2016
Mar. 31, 2015
Jun. 30, 2015
Held-to-maturity Securities [Abstract]          
Amortized cost $ 152,029,000   $ 152,029,000   $ 107,990,000
Gross unrealized gains 1,630,000   1,630,000   583,000
Gross unrealized losses 82,000   82,000   824,000
Fair value 153,577,000   153,577,000   107,749,000
Proceeds from sales of securities held to maturity     0 $ 3,375,000  
Held-to-maturity Securities [Member]          
Held-to-maturity Securities [Abstract]          
Proceeds from sales of securities held to maturity 0 $ 0 0 3,375,000  
Held-to-maturity securities sold at amortized cost 0 0 0 3,231,000  
Held to maturity securities sold at gross realized gain 0 0 0 143,800  
Held to maturity securities sold at gross realized losses 0 0 0 0  
Fair value of held-to-maturity securities pledged as collateral for advances 89,346,000   89,346,000   54,182,000
Fair value of securities pledged as collateral for swaps 13,978,000   13,978,000   1,773,000
Other-than-temporary impairment charges on securities held to maturity 0 $ 0 $ 0 $ 0  
Held-to-maturity Securities [Member] | Minimum [Member]          
Held-to-maturity Securities [Abstract]          
Contractual maturities of mortgage-backed securities held-to-maturity     20 years    
FHLMC [Member]          
Held-to-maturity Securities [Abstract]          
Amortized cost 2,461,000   $ 2,461,000   1,638,000
Gross unrealized gains 111,000   111,000   132,000
Gross unrealized losses 0   0   0
Fair value 2,572,000   2,572,000   1,770,000
FNMA [Member]          
Held-to-maturity Securities [Abstract]          
Amortized cost 76,870,000   76,870,000   55,808,000
Gross unrealized gains 1,003,000   1,003,000   269,000
Gross unrealized losses 47,000   47,000   637,000
Fair value 77,826,000   77,826,000   55,440,000
GNMA [Member]          
Held-to-maturity Securities [Abstract]          
Amortized cost 1,432,000   1,432,000   1,928,000
Gross unrealized gains 60,000   60,000   84,000
Gross unrealized losses 0   0   0
Fair value 1,492,000   1,492,000   2,012,000
CMO [Member]          
Held-to-maturity Securities [Abstract]          
Amortized cost 71,266,000   71,266,000   48,616,000
Gross unrealized gains 456,000   456,000   98,000
Gross unrealized losses 35,000   35,000   187,000
Fair value $ 71,687,000   $ 71,687,000   $ 48,527,000
v3.4.0.3
Investment Securities, Gross Unrealized Losses on Securities Held to Maturity (Details) - USD ($)
$ in Thousands
Mar. 31, 2016
Jun. 30, 2015
Mortgage-backed securities [Member]    
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Less than 12 months, Fair value $ 16,392 $ 64,358
Greater than 12 months, Fair Value 3,254 6,891
Total, Fair value 19,646 71,249
Held-to-maturity Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract]    
Less than 12 months, Gross unrealized losses 35 567
Greater than 12 months, Gross unrealized losses 47 257
Total, Gross unrealized losses 82 824
FNMA [Member]    
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Less than 12 months, Fair value 0 32,925
Greater than 12 months, Fair Value 3,254 6,891
Total, Fair value 3,254 39,816
Held-to-maturity Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract]    
Less than 12 months, Gross unrealized losses 0 380
Greater than 12 months, Gross unrealized losses 47 257
Total, Gross unrealized losses 47 637
CMO [Member]    
Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Less than 12 months, Fair value 16,392 31,433
Greater than 12 months, Fair Value 0 0
Total, Fair value 16,392 31,433
Held-to-maturity Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract]    
Less than 12 months, Gross unrealized losses 35 187
Greater than 12 months, Gross unrealized losses 0 0
Total, Gross unrealized losses $ 35 $ 187
v3.4.0.3
Investment Securities, Securities Available for Sale (Details) - USD ($)
 3 Months Ended 9 Months Ended
Mar. 31, 2016
Mar. 31, 2015
Mar. 31, 2016
Mar. 31, 2015
Jun. 30, 2015
Available-for-sale Securities, Fair Value to Amortized Cost Basis [Abstract]          
Amortized cost $ 213,001,000   $ 213,001,000   $ 256,371,000
Gross unrealized gains 2,928,000   2,928,000   3,182,000
Gross unrealized losses 73,000   73,000   590,000
Fair value 215,856,000   215,856,000   258,963,000
Proceeds from sales of securities available for sale     38,985,000 $ 37,912,000  
Available-for-sale Securities [Member]          
Available-for-sale Securities, Fair Value to Amortized Cost Basis [Abstract]          
Proceeds from sales of securities available for sale 0 $ 20,667,000 38,985,000 37,912,000  
Available for sale securities sold at amortized cost 0 19,897,000 38,381,000 37,288,000  
Gross realized gains for available for sale securities 0 770,000 607,000 861,000  
Gross realized losses for available for sale securities 0 0 3,000 236,000  
Other-than-temporary impairment charges on available for sale securities 0 $ 0 0 $ 0  
Fair value of available-for-sale securities pledged as collateral 85,518,000   85,518,000   197,353,000
Fair value of securities pledged as collateral for swaps 6,979,000   $ 6,979,000   6,434,000
Available-for-sale Securities [Member] | Minimum [Member]          
Available-for-sale Securities, Fair Value to Amortized Cost Basis [Abstract]          
Contractual maturities of mortgage-backed securities available for sale     20 years    
Equity Securities [Member]          
Available-for-sale Securities, Fair Value to Amortized Cost Basis [Abstract]          
Amortized cost 601,000   $ 601,000   1,208,000
Gross unrealized gains 527,000   527,000   902,000
Gross unrealized losses 0   0   0
Fair value 1,128,000   1,128,000   2,110,000
FHLMC [Member]          
Available-for-sale Securities, Fair Value to Amortized Cost Basis [Abstract]          
Amortized cost 934,000   934,000   5,162,000
Gross unrealized gains 46,000   46,000   163,000
Gross unrealized losses 0   0   0
Fair value 980,000   980,000   5,325,000
FNMA [Member]          
Available-for-sale Securities, Fair Value to Amortized Cost Basis [Abstract]          
Amortized cost 72,388,000   72,388,000   36,432,000
Gross unrealized gains 935,000   935,000   537,000
Gross unrealized losses 0   0   114,000
Fair value 73,323,000   73,323,000   36,855,000
CMO [Member]          
Available-for-sale Securities, Fair Value to Amortized Cost Basis [Abstract]          
Amortized cost 139,078,000   139,078,000   213,569,000
Gross unrealized gains 1,420,000   1,420,000   1,580,000
Gross unrealized losses 73,000   73,000   476,000
Fair value $ 140,425,000   $ 140,425,000   $ 214,673,000
v3.4.0.3
Investment Securities, Gross Unrealized Losses on Securities Available for Sale (Details) - USD ($)
$ in Thousands
Mar. 31, 2016
Jun. 30, 2015
Mortgage Backed Securities [Member]    
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Less than 12 months, Fair value $ 0 $ 59,648
Greater than 12 months, Fair Value 25,043 9,947
Total, Fair value 25,043 69,595
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract]    
Less than 12 months, Gross unrealized losses 0 410
Greater than 12 months, Gross unrealized losses 73 180
Total, Gross unrealized losses 73 590
FNMA [Member]    
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Less than 12 months, Fair value 0 17,185
Greater than 12 months, Fair Value 0 0
Total, Fair value 0 17,185
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract]    
Less than 12 months, Gross unrealized losses 0 114
Greater than 12 months, Gross unrealized losses 0 0
Total, Gross unrealized losses 0 114
CMO [Member]    
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]    
Less than 12 months, Fair value 0 42,463
Greater than 12 months, Fair Value 25,043 9,947
Total, Fair value 25,043 52,410
Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Loss [Abstract]    
Less than 12 months, Gross unrealized losses 0 296
Greater than 12 months, Gross unrealized losses 73 180
Total, Gross unrealized losses $ 73 $ 476
v3.4.0.3
Deposits (Details) - USD ($)
$ in Thousands
Mar. 31, 2016
Jun. 30, 2015
Deposits [Abstract]    
Total brokered deposits $ 285,367 $ 248,381
Deposit balances [Abstract]    
Checking accounts 469,035 436,172
Money market deposit accounts 654,117 589,012
Savings accounts 163,989 160,020
Time deposits 937,502 777,533
Deposits $ 2,224,643 $ 1,962,737
v3.4.0.3
Derivatives and Hedging Activities (Details)
$ in Thousands
 9 Months Ended
Mar. 31, 2016
USD ($)
Contract
Jun. 30, 2015
USD ($)
Derivative [Line Items]    
Number of interest rate swap agreements | Contract 11  
Notional amount of derivatives $ 330,000  
Minimum [Member]    
Derivative [Line Items]    
Derivative, maturity date Apr. 11, 2016  
Maximum [Member]    
Derivative [Line Items]    
Derivative, maturity date Jul. 11, 2024  
Interest Rate Swaps [Member]    
Derivative [Line Items]    
Fair value of securities pledged as collateral for swaps $ 20,957 $ 8,207
Interest Rate Swaps [Member] | Minimum [Member]    
Derivative [Line Items]    
Fixed interest rate paid (in hundredths) 0.28%  
Variable rate basis received 1 Month LIBOR  
Interest Rate Swaps [Member] | Maximum [Member]    
Derivative [Line Items]    
Fixed interest rate paid (in hundredths) 3.67%  
Variable rate basis received 3 Month LIBOR  
Interest Rate Swaps [Member] | Other Assets [Member] | Designated as Hedging Instrument [Member]    
Derivative [Line Items]    
Asset derivatives, Notional Amount $ 100,000 0
Interest Rate Swaps [Member] | Other Liabilities [Member] | Designated as Hedging Instrument [Member]    
Derivative [Line Items]    
Liability derivatives, Notional Amount 230,000 100,000
Cash Flow Hedge Interest Rate Swaps-Gross Unrealized Gain [Member] | Other Assets [Member] | Designated as Hedging Instrument [Member]    
Derivative [Line Items]    
Asset derivatives, Fair value 42 0
Cash Flow Hedge Interest Rate Swaps-Gross Unrealized Loss [Member] | Other Liabilities [Member] | Designated as Hedging Instrument [Member]    
Derivative [Line Items]    
Liability derivatives, Fair Value $ 13,720 $ 3,560
v3.4.0.3
Income Taxes (Details) - USD ($)
$ in Thousands
Mar. 31, 2016
Jun. 30, 2015
Income Taxes [Abstract]    
Uncertain tax positions $ 0 $ 0
v3.4.0.3
Real Estate Joint Ventures, net and Real Estate Held for Investment (Details)
$ in Thousands
 3 Months Ended 9 Months Ended
Mar. 31, 2016
USD ($)
Entity
Mar. 31, 2015
USD ($)
Entity
Mar. 31, 2016
USD ($)
Entity
Mar. 31, 2015
USD ($)
Entity
Jun. 30, 2015
USD ($)
Real Estate Joint Ventures, net and Real Estate Held for Investment [Abstract]          
Proceeds from Real Estate and Real Estate Joint Ventures     $ 32,590 $ 1,875  
Real Estate Held for Investment Properties in Joint Venture Partnership [Member]          
Real Estate Joint Ventures, net and Real Estate Held for Investment [Abstract]          
Net book value of real estate joint ventures $ 4,674   $ 4,674   $ 6,089
Number of joint venture entities in which interest is sold | Entity 3 1 10 1  
Proceeds from Real Estate and Real Estate Joint Ventures $ 2,948 $ 1,875 $ 16,616 $ 1,875  
Gain on sale of investment 2,009 $ 2,000 15,538 $ 2,000  
Real Estate Held for Investment Property [Member]          
Real Estate Joint Ventures, net and Real Estate Held for Investment [Abstract]          
Net book value of real estate held for investment $ (31)   $ (31)   $ (86)
Number of real estate held for investment entities in which interest is sold | Entity 0 0 4 0  
Proceeds from Real Estate and Real Estate Joint Ventures $ 0 $ 0 $ 15,974 $ 0  
Gain on sale of investment $ 0 $ 0 $ 16,009 $ 0  
v3.4.0.3
Fair Value Measurements (Details) - Market Approach Valuation Technique [Member] - Unobservable Inputs (Level 3) [Member]
 9 Months Ended
Mar. 31, 2016
Impaired Loans [Member] | Minimum [Member]  
Fair value inputs [Abstract]  
Adjustment rate (in hundredths) 0.00%
Risk premium rate (in hundredths) 0.00%
Discount rate (in hundredths) 0.00%
Impaired Loans [Member] | Maximum [Member]  
Fair value inputs [Abstract]  
Adjustment rate (in hundredths) 20.00%
Risk premium rate (in hundredths) 10.00%
Discount rate (in hundredths) 8.00%
Real Estate Owned [Member] | Minimum [Member]  
Fair value inputs [Abstract]  
Discount rate (in hundredths) 5.00%
Real Estate Owned [Member] | Maximum [Member]  
Fair value inputs [Abstract]  
Discount rate (in hundredths) 20.00%
v3.4.0.3
Fair Value Measurements, Assets Recorded at Fair Value on a Recurring Basis (Details) - USD ($)
$ in Thousands
Mar. 31, 2016
Jun. 30, 2015
Assets [Abstract]    
Securities available for sale $ 215,856 $ 258,963
Fair Value, Measurements, Recurring [Member]    
Assets [Abstract]    
Total assets measured on a recurring and nonrecurring basis 215,898  
Liabilities [Abstract]    
Interest rate swap 13,720 3,560
Fair Value, Measurements, Recurring [Member] | Available-for-sale Securities [Member]    
Assets [Abstract]    
Securities available for sale 215,856 258,963
Fair Value, Measurements, Recurring [Member] | Equity Securities [Member]    
Assets [Abstract]    
Securities available for sale 1,128 2,110
Fair Value, Measurements, Recurring [Member] | FHLMC [Member]    
Assets [Abstract]    
Securities available for sale 980 5,325
Fair Value, Measurements, Recurring [Member] | FNMA [Member]    
Assets [Abstract]    
Securities available for sale 73,323 36,855
Fair Value, Measurements, Recurring [Member] | CMO [Member]    
Assets [Abstract]    
Securities available for sale 140,425 214,673
Fair Value, Measurements, Recurring [Member] | Interest Rate Swaps [Member]    
Assets [Abstract]    
Interest rate swap 42  
Fair Value, Measurements, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]    
Assets [Abstract]    
Total assets measured on a recurring and nonrecurring basis 1,128  
Liabilities [Abstract]    
Interest rate swap 0 0
Fair Value, Measurements, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Available-for-sale Securities [Member]    
Assets [Abstract]    
Securities available for sale 1,128 2,110
Fair Value, Measurements, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Equity Securities [Member]    
Assets [Abstract]    
Securities available for sale 1,128 2,110
Fair Value, Measurements, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | FHLMC [Member]    
Assets [Abstract]    
Securities available for sale 0 0
Fair Value, Measurements, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | FNMA [Member]    
Assets [Abstract]    
Securities available for sale 0 0
Fair Value, Measurements, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | CMO [Member]    
Assets [Abstract]    
Securities available for sale 0 0
Fair Value, Measurements, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Interest Rate Swaps [Member]    
Assets [Abstract]    
Interest rate swap 0  
Fair Value, Measurements, Recurring [Member] | Significant Other Observable inputs (Level 2) [Member]    
Assets [Abstract]    
Total assets measured on a recurring and nonrecurring basis 214,770  
Liabilities [Abstract]    
Interest rate swap 13,720 3,560
Fair Value, Measurements, Recurring [Member] | Significant Other Observable inputs (Level 2) [Member] | Available-for-sale Securities [Member]    
Assets [Abstract]    
Securities available for sale 214,728 256,853
Fair Value, Measurements, Recurring [Member] | Significant Other Observable inputs (Level 2) [Member] | Equity Securities [Member]    
Assets [Abstract]    
Securities available for sale 0 0
Fair Value, Measurements, Recurring [Member] | Significant Other Observable inputs (Level 2) [Member] | FHLMC [Member]    
Assets [Abstract]    
Securities available for sale 980 5,325
Fair Value, Measurements, Recurring [Member] | Significant Other Observable inputs (Level 2) [Member] | FNMA [Member]    
Assets [Abstract]    
Securities available for sale 73,323 36,855
Fair Value, Measurements, Recurring [Member] | Significant Other Observable inputs (Level 2) [Member] | CMO [Member]    
Assets [Abstract]    
Securities available for sale 140,425 214,673
Fair Value, Measurements, Recurring [Member] | Significant Other Observable inputs (Level 2) [Member] | Interest Rate Swaps [Member]    
Assets [Abstract]    
Interest rate swap 42  
Fair Value, Measurements, Recurring [Member] | Unobservable Inputs (Level 3) [Member]    
Assets [Abstract]    
Total assets measured on a recurring and nonrecurring basis 0  
Liabilities [Abstract]    
Interest rate swap 0 0
Fair Value, Measurements, Recurring [Member] | Unobservable Inputs (Level 3) [Member] | Available-for-sale Securities [Member]    
Assets [Abstract]    
Securities available for sale 0 0
Fair Value, Measurements, Recurring [Member] | Unobservable Inputs (Level 3) [Member] | Equity Securities [Member]    
Assets [Abstract]    
Securities available for sale 0 0
Fair Value, Measurements, Recurring [Member] | Unobservable Inputs (Level 3) [Member] | FHLMC [Member]    
Assets [Abstract]    
Securities available for sale 0 0
Fair Value, Measurements, Recurring [Member] | Unobservable Inputs (Level 3) [Member] | FNMA [Member]    
Assets [Abstract]    
Securities available for sale 0 0
Fair Value, Measurements, Recurring [Member] | Unobservable Inputs (Level 3) [Member] | CMO [Member]    
Assets [Abstract]    
Securities available for sale 0 $ 0
Fair Value, Measurements, Recurring [Member] | Unobservable Inputs (Level 3) [Member] | Interest Rate Swaps [Member]    
Assets [Abstract]    
Interest rate swap $ 0  
v3.4.0.3
Fair Value Measurements, Assets Recorded at Fair Value on a Non-Recurring Basis (Details) - Fair Value, Measurements, Nonrecurring [Member] - USD ($)
$ in Thousands
Mar. 31, 2016
Jun. 30, 2015
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis $ 7,852 $ 12,698
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 0 0
Significant Other Observable inputs (Level 2) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 0 0
Unobservable Inputs (Level 3) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 7,852 12,698
Impaired Loans [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 7,365 8,639
Impaired Loans [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 0 0
Impaired Loans [Member] | Significant Other Observable inputs (Level 2) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 0 0
Impaired Loans [Member] | Unobservable Inputs (Level 3) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 7,365 8,639
Impaired Loans [Member] | Residential [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 164 168
Impaired Loans [Member] | Residential [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 0 0
Impaired Loans [Member] | Residential [Member] | Significant Other Observable inputs (Level 2) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 0 0
Impaired Loans [Member] | Residential [Member] | Unobservable Inputs (Level 3) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 164 168
Impaired Loans [Member] | Residential Commercial Real Estate [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 287 284
Impaired Loans [Member] | Residential Commercial Real Estate [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 0 0
Impaired Loans [Member] | Residential Commercial Real Estate [Member] | Significant Other Observable inputs (Level 2) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 0 0
Impaired Loans [Member] | Residential Commercial Real Estate [Member] | Unobservable Inputs (Level 3) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 287 284
Impaired Loans [Member] | Other Commercial Real Estate [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 6,905 8,187
Impaired Loans [Member] | Other Commercial Real Estate [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 0 0
Impaired Loans [Member] | Other Commercial Real Estate [Member] | Significant Other Observable inputs (Level 2) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 0 0
Impaired Loans [Member] | Other Commercial Real Estate [Member] | Unobservable Inputs (Level 3) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 6,905 8,187
Impaired Loans [Member] | Construction and Land Loans [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 9  
Impaired Loans [Member] | Construction and Land Loans [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 0  
Impaired Loans [Member] | Construction and Land Loans [Member] | Significant Other Observable inputs (Level 2) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 0  
Impaired Loans [Member] | Construction and Land Loans [Member] | Unobservable Inputs (Level 3) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 9  
Real Estate Owned [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 487 4,059
Real Estate Owned [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 0 0
Real Estate Owned [Member] | Significant Other Observable inputs (Level 2) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 0 0
Real Estate Owned [Member] | Unobservable Inputs (Level 3) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 487 4,059
Real Estate Owned [Member] | Residential [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis   1,435
Real Estate Owned [Member] | Residential [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis   0
Real Estate Owned [Member] | Residential [Member] | Significant Other Observable inputs (Level 2) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis   0
Real Estate Owned [Member] | Residential [Member] | Unobservable Inputs (Level 3) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis   1,435
Real Estate Owned [Member] | Residential Commercial Real Estate [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis   1,202
Real Estate Owned [Member] | Residential Commercial Real Estate [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis   0
Real Estate Owned [Member] | Residential Commercial Real Estate [Member] | Significant Other Observable inputs (Level 2) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis   0
Real Estate Owned [Member] | Residential Commercial Real Estate [Member] | Unobservable Inputs (Level 3) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis   1,202
Real Estate Owned [Member] | Other Commercial Real Estate [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 487 1,422
Real Estate Owned [Member] | Other Commercial Real Estate [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 0 0
Real Estate Owned [Member] | Other Commercial Real Estate [Member] | Significant Other Observable inputs (Level 2) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis 0 0
Real Estate Owned [Member] | Other Commercial Real Estate [Member] | Unobservable Inputs (Level 3) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Total assets measured on a recurring and nonrecurring basis $ 487 $ 1,422
v3.4.0.3
Fair Value Measurements, Estimated Fair Value of Financial Instruments (Details) - USD ($)
$ in Thousands
Mar. 31, 2016
Jun. 30, 2015
Financial assets [Abstract]    
Securities held to maturity $ 153,577 $ 107,749
Carrying Amount [Member]    
Financial assets [Abstract]    
Securities held to maturity 152,029 107,990
Loans, net [1] 3,017,736 2,756,212
Financial liabilities [Abstract]    
Time deposits 937,502 777,533
Term borrowings 571,515 636,372
Fair Value [Member]    
Financial assets [Abstract]    
Securities held to maturity 153,577 107,749
Loans, net [1] 3,042,594 2,774,448
Financial liabilities [Abstract]    
Time deposits 946,298 785,466
Term borrowings 582,436 654,450
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]    
Financial assets [Abstract]    
Securities held to maturity 0 0
Loans, net [1] 0 0
Financial liabilities [Abstract]    
Time deposits 0 0
Term borrowings 0 0
Significant Other Observable inputs (Level 2) [Member]    
Financial assets [Abstract]    
Securities held to maturity 153,577 107,749
Loans, net [1] 0 0
Financial liabilities [Abstract]    
Time deposits 946,298 785,466
Term borrowings 582,436 654,450
Unobservable Inputs (Level 3) [Member]    
Financial assets [Abstract]    
Securities held to maturity 0 0
Loans, net [1] 3,042,594 2,774,448
Financial liabilities [Abstract]    
Time deposits 0 0
Term borrowings $ 0 $ 0
[1] Comprised of loans (including impaired loans), net of deferred loan fees and the allowance for loan losses.
v3.4.0.3
Other Comprehensive Income, Components of Comprehensive Income both Gross and Net of Tax (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Mar. 31, 2016
Mar. 31, 2015
Mar. 31, 2016
Mar. 31, 2015
Gross [Abstract]        
Net income, gross $ 17,989 $ 17,184 $ 63,233 $ 48,420
Other comprehensive (loss) income, gross [Abstract]        
Change in unrealized holding gain (loss) on securities available for sale 3,025 1,650 869 (102)
Reclassification adjustment for security gains included in net income 0 (770) (604) (624)
Amortization related to post-retirement obligations, gross 56 23 168 68
Change in unrealized loss on interest rate swaps (8,542) (2,384) (10,119) (6,333)
Total other comprehensive loss (5,461) (1,481) (9,686) (6,991)
Total comprehensive income, gross 12,528 15,703 53,547 41,429
Tax applicable to [Abstract]        
Net income, tax 6,676 6,227 23,887 17,256
Other Comprehensive (loss) income, tax [Abstract]        
Change in unrealized holding gain (loss) on securities available for sale 1,304 694 352 (45)
Reclassification adjustment for security gains included in net income 0 (274) (261) (212)
Amortization related to post-retirement obligations, Tax 25 9 72 28
Change in unrealized loss on interest rate swaps, tax (3,684) (1,009) (4,364) (2,680)
Total other comprehensive loss (2,355) (580) (4,201) (2,909)
Total comprehensive income, tax 4,321 5,647 19,686 14,347
Net of tax [Abstract]        
Net income, net of tax 11,313 10,957 39,346 31,164
Other comprehensive (loss) income, net of tax [Abstract]        
Change in unrealized holding gain (loss) on securities available for sale 1,721 956 517 (57)
Reclassification adjustment for security gains included in net income 0 (496) (343) (412)
Amortization related to post-retirement obligations, net of tax 31 14 96 40
Change in unrealized loss on interest rate swaps, net of tax (4,858) (1,375) (5,755) (3,653)
Total other comprehensive loss (3,106) (901) (5,485) (4,082)
Total comprehensive income $ 8,207 $ 10,056 $ 33,861 $ 27,082
v3.4.0.3
Other Comprehensive Income, Components of Accumulated Other Comprehensive Income (Loss), Net of Tax (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Mar. 31, 2016
Mar. 31, 2015
Mar. 31, 2016
Mar. 31, 2015
Changes in components of accumulated other comprehensive income (loss), net of tax [Roll Forward]        
Balance     $ 517,670 $ 526,292
Net change $ (3,106) $ (901) (5,485) (4,082)
Balance 528,717 506,735 528,717 506,735
Accumulated Other Comprehensive (Loss) Income, Net of Tax [Member]        
Changes in components of accumulated other comprehensive income (loss), net of tax [Roll Forward]        
Balance     (1,848) 2,194
Net change     (5,485) (4,082)
Balance (7,333) (1,888) (7,333) (1,888)
Unrealized Holding Gains on Securities Available for Sale [Member]        
Changes in components of accumulated other comprehensive income (loss), net of tax [Roll Forward]        
Balance     1,496 2,728
Net change     174 (469)
Balance 1,670 2,259 1,670 2,259
Post Retirement Obligations [Member]        
Changes in components of accumulated other comprehensive income (loss), net of tax [Roll Forward]        
Balance     (1,316) (617)
Net change     96 40
Balance (1,220) (577) (1,220) (577)
Unrealized Holding Gains on Interest Rate Swap [Member]        
Changes in components of accumulated other comprehensive income (loss), net of tax [Roll Forward]        
Balance     (2,028) 83
Net change     (5,755) (3,653)
Balance $ (7,783) $ (3,570) $ (7,783) $ (3,570)
v3.4.0.3
Other Comprehensive Income, Information about the Amount of Reclassification from Accumulated Other Comprehensive Income (Loss) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Mar. 31, 2016
Mar. 31, 2015
Mar. 31, 2016
Mar. 31, 2015
Reclassification out of Accumulated Other Comprehensive Income [Line Items]        
Net (gain) loss on sale of securities available for sale $ (2,009) $ (2,001) $ (31,875) $ (1,991)
Compensation, payroll taxes and fringe benefits 7,573 7,318 25,332 22,272
Total before tax 17,989 17,184 63,233 48,420
Income tax (expense) benefit 6,676 6,227 23,887 17,256
Net income 11,313 10,957 39,346 31,164
Reclassification out of Accumulated Other Comprehensive Income [Member]        
Reclassification out of Accumulated Other Comprehensive Income [Line Items]        
Total before tax 56 (747) (436) (556)
Income tax (expense) benefit 25 (265) (189) (184)
Net income 31 (482) (247) (372)
Reclassification Adjustment for Security Losses Included in Net Income [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]        
Reclassification out of Accumulated Other Comprehensive Income [Line Items]        
Net (gain) loss on sale of securities available for sale 0 (770) (604) (624)
Amortization Related to Post-retirement Obligations [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]        
Reclassification out of Accumulated Other Comprehensive Income [Line Items]        
Compensation, payroll taxes and fringe benefits 56 23 168 68
Prior Service Cost [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]        
Reclassification out of Accumulated Other Comprehensive Income [Line Items]        
Compensation, payroll taxes and fringe benefits [1] 0 15 0 45
Net Loss [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]        
Reclassification out of Accumulated Other Comprehensive Income [Line Items]        
Compensation, payroll taxes and fringe benefits [1] $ 56 $ 8 $ 168 $ 23
[1] These accumulated other comprehensive income (loss) components are included in the computations of net periodic benefit cost. See Note 5. Postretirement Benefits.
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