ext4: fixed potential NULL dereference in ext4_calculate_overhead()

The memset operation before check can cause a BUG if the memory
allocation failed.  Since we are using get_zeroed_age, there is no
need to use memset anyway.

Found by the Spruce system in cooperation with the KEDR Framework.

Signed-off-by: Vahram Martirosyan <vmartirosyan@linuxtesting.org>
Signed-off-by: "Theodore Ts'o" <tytso@mit.edu>