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v2.3.0.11

Mortgage Loans Held for Investment and Related Assets (Tables) | 12 Months Ended
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Apr. 30, 2011
Mortgage Loans Held For Investment And Related Assets |
Schedule of Mortgage Loan Portfolio |
(dollars in 000s) |  |  |  |
As of April 30, |  | 2011 |  |  | 2010 |  |  |  |
|  | Amount |  |  | % of Total |  |  | Amount |  |  | % of Total |  |  |  |
Adjustable-rate loans |  | $ | 333,828 |  |  |  | 58 | % |  | $ | 411,122 |  |  |  | 60 | % |  |  |  |
Fixed-rate loans |  |  | 239,146 |  |  |  | 42 | % |  |  | 272,562 |  |  |  | 40 | % |  |  |  |
|  |  | 572,974 |  |  |  | 100 | % |  |  | 683,684 |  |  |  | 100 | % |  |  |  |
Unamortized deferred fees and costs |  |  | 4,121 |  |  |  |  |  |  |  | 5,256 |  |  |  |  |  |  |  |  |
Less: Allowance for loan losses |  |  | (92,087 | ) |  |  |  |  |  |  | (93,535 | ) |  |  |  |  |  |  |  |
|  | $ | 485,008 |  |  |  |  |  |  | $ | 595,405 |  |  |  |  |  |  |  |  |
Schedule of Allowance for Loan Losses |
(in 000s) |  |  |  |
Year Ended April 30, |  | 2011 |  |  | 2010 |  |  | 2009 |  |  |  |
Balance at beginning of the year |  | $ | 93,535 |  |  | $ | 84,073 |  |  | $ | 45,401 |  |  |  |  |
Provision |  |  | 35,567 |  |  |  | 47,750 |  |  |  | 63,897 |  |  |  |  |
Recoveries |  |  | 272 |  |  |  | 88 |  |  |  | 54 |  |  |  |  |
Charge-offs |  |  | (37,287 | ) |  |  | (38,376 | ) |  |  | (25,279 | ) |  |  |  |
Balance at end of the year |  | $ | 92,087 |  |  | $ | 93,535 |  |  | $ | 84,073 |  |  |  |  |
Schedule of Portfolio Balance |
(in 000s) |  |  |  |
As of April 30, |  | 2011 |  |  | 2010 |  |  |  |
|  | Portfolio |  |  | Related |  |  | Portfolio |  |  | Related |  |  |  |
|  | Balance |  |  | Allowance |  |  | Balance |  |  | Allowance |  |  |  |
Pooled (less than 60 days past due) |  | $ | 304,325 |  |  | $ | 11,238 |  |  | $ | 372,823 |  |  | $ | 15,924 |  |  |  |  |
Impaired: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually (TDRs) |  |  | 106,328 |  |  |  | 11,056 |  |  |  | 144,977 |  |  |  | 8,915 |  |  |  |  |
Individually (60 days or more past due) |  |  | 162,321 |  |  |  | 69,793 |  |  |  | 165,884 |  |  |  | 68,696 |  |  |  |  |
|  | $ | 572,974 |  |  | $ | 92,087 |  |  | $ | 683,684 |  |  | $ | 93,535 |  |  |  |  |
Schedule of Portfolio Balance and Related Allowance |
(dollars in 000s) |  |  |  |
|  | Outstanding |  |  | Loan Loss Allowance |  |  | % 30+ Days |  |  |  |
|  | Principal Balance |  |  | Amount |  |  | % of Principal |  |  | Past Due |  |  |  |
Purchased from SCC |  | $ | 357,814 |  |  | $ | 81,396 |  |  |  | 22.7 | % |  |  | 41.7 | % |  |  |  |
All other |  |  | 215,160 |  |  |  | 10,691 |  |  |  | 5.0 | % |  |  | 11.0 | % |  |  |  |
|  | $ | 572,974 |  |  | $ | 92,087 |  |  |  | 16.1 | % |  |  | 30.2 | % |  |  |  |
Schedule of Credit Quality Indicators and Portfolio Balance |
(in 000s) |  |  |  |
Credit Quality Indicators |  | Purchased from SCC |  |  | All Other |  |  | Total Portfolio |  |  |  |
Occupancy status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 249,048 |  |  | $ | 136,380 |  |  | $ | 385,428 |  |  |  |  |
Non-owner occupied |  |  | 108,766 |  |  |  | 78,780 |  |  |  | 187,546 |  |  |  |  |
|  | $ | 357,814 |  |  | $ | 215,160 |  |  | $ | 572,974 |  |  |  |  |
Documentation level: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Full documentation |  | $ | 108,509 |  |  | $ | 157,270 |  |  | $ | 265,779 |  |  |  |  |
Limited documentation |  |  | 11,146 |  |  |  | 23,355 |  |  |  | 34,501 |  |  |  |  |
Stated income |  |  | 205,485 |  |  |  | 21,705 |  |  |  | 227,190 |  |  |  |  |
No documentation |  |  | 32,674 |  |  |  | 12,830 |  |  |  | 45,504 |  |  |  |  |
|  | $ | 357,814 |  |  | $ | 215,160 |  |  | $ | 572,974 |  |  |  |  |
Internal risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
High |  | $ | 151,522 |  |  | $ | 357 |  |  | $ | 151,879 |  |  |  |  |
Medium |  |  | 206,292 |  |  |  | – |  |  |  | 206,292 |  |  |  |  |
Low |  |  | – |  |  |  | 214,803 |  |  |  | 214,803 |  |  |  |  |
|  | $ | 357,814 |  |  | $ | 215,160 |  |  | $ | 572,974 |  |  |  |  |
Schedule of Past Due Mortgage Loans |
(in 000s) |  |  |  |
|  | Less than 60 |  |  | 60 - 89 Days |  |  | 90 + Days |  |  | Total |  |  |  |  |  |  |  |  |  |
|  | Days Past Due |  |  | Past Due |  |  | Past Due(1) |  |  | Past Due |  |  | Current |  |  | Total |  |  |  |
Purchased from SCC |  | $ | 37,371 |  |  | $ | 4,882 |  |  | $ | 132,326 |  |  | $ | 174,579 |  |  | $ | 183,235 |  |  | $ | 357,814 |  |  |  |  |
All other |  |  | 10,250 |  |  |  | 1,594 |  |  |  | 20,546 |  |  |  | 32,390 |  |  |  | 182,770 |  |  |  | 215,160 |  |  |  |  |
|  | $ | 47,621 |  |  | $ | 6,476 |  |  | $ | 152,872 |  |  | $ | 206,969 |  |  | $ | 366,005 |  |  | $ | 572,974 |  |  |  |  |
(1) | No loans past due 90 days or more are still accruing interest.
Schedule of Non-Accrual Loans |
(in 000s) |  |  |  |
As of April 30, |  | 2011 |  |  | 2010 |  |  |  |
Loans: |  |  |  |  |  |  |  |  |  |  |  |
Purchased from SCC |  | $ | 143,358 |  |  |  |  |  |  |  |  |
Other |  |  | 14,106 |  |  |  |  |  |  |  |  |
|  |  | 157,464 |  |  | $ | 160,124 |  |  |  |  |
TDRs: |  |  |  |  |  |  |  |  |  |  |  |
Purchased from SCC |  |  | 2,849 |  |  |  |  |  |  |  |  |
Other |  |  | 329 |  |  |  |  |  |  |  |  |
|  |  | 3,178 |  |  |  | 31,506 |  |  |  |  |
Total non-accrual loans |  | $ | 160,642 |  |  | $ | 191,630 |  |  |  |  |
Information Related to Impaired Loans |
(in 000s) |  |  |  |
|  | Portfolio Balance |  |  | Portfolio Balance |  |  | Total |  |  |  |  |  |  |
|  | With Allowance |  |  | With No Allowance |  |  | Portfolio Balance |  |  | Related Allowance |  |  |  |
As of April 30, 2011: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Purchased from SCC |  | $ | 190,074 |  |  | $ | 54,000 |  |  | $ | 244,074 |  |  | $ | 75,373 |  |  |  |  |
Other |  |  | 19,340 |  |  |  | 5,235 |  |  |  | 24,575 |  |  |  | 5,476 |  |  |  |  |
|  | $ | 209,414 |  |  | $ | 59,235 |  |  | $ | 268,649 |  |  | $ | 80,849 |  |  |  |  |
As of April 30, 2010 |  | $ | 288,309 |  |  | $ | 22,552 |  |  | $ | 310,861 |  |  | $ | 77,611 |  |  |  |  |
Schedule of Allowance for Impaired Loans |
(in 000s) |  |  |  |
As of April 30, |  | 2011 |  |  | 2010 |  |  |  |
Portion of total allowance for loan losses allocated to impaired loans and TDR loans: |  |  |  |  |  |  |  |  |  |  |  |
Based on collateral value method |  | $ | 69,794 |  |  | $ | 68,696 |  |  |  |  |
Based on discounted cash flow method |  |  | 11,055 |  |  |  | 8,915 |  |  |  |  |
|  | $ | 80,849 |  |  | $ | 77,611 |  |  |  |  |
Information Related to Activities of Non-Performing Assets |
(in 000s) |  |  |  |
For the Year Ended April 30, |  | 2011 |  |  | 2010 |  |  | 2009 |  |  |  |
Average impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Purchased from SCC |  | $ | 252,673 |  |  |  |  |  |  |  |  |  |  |  |  |
All other |  |  | 37,082 |  |  |  |  |  |  |  |  |  |  |  |  |
|  | $ | 289,755 |  |  | $ | 307,351 |  |  | $ | 216,391 |  |  |  |  |
Interest income on impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Purchased from SCC |  | $ | 5,795 |  |  |  |  |  |  |  |  |  |  |  |  |
All other |  |  | 829 |  |  |  |  |  |  |  |  |  |  |  |  |
|  | $ | 6,624 |  |  | $ | 8,548 |  |  | $ | 5,964 |  |  |  |  |
Interest income on impaired loans recognized on a cash basis on non-accrual status: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Purchased from SCC |  | $ | 5,567 |  |  |  |  |  |  |  |  |  |  |  |  |
All other |  |  | 744 |  |  |  |  |  |  |  |  |  |  |  |  |
|  | $ | 6,311 |  |  | $ | 7,452 |  |  | $ | 4,927 |  |  |  |  |
Schedule of Real Estate Owned |
(in 000s) |  |  |  |
Year Ended April 30, |  | 2011 |  |  | 2010 |  |  | 2009 |  |  |  |
Balance, beginning of the period |  | $ | 29,252 |  |  | $ | 44,533 |  |  | $ | 350 |  |  |  |  |
Additions |  |  | 16,463 |  |  |  | 19,341 |  |  |  | 65,171 |  |  |  |  |
Sales |  |  | (21,889 | ) |  |  | (24,308 | ) |  |  | (9,072 | ) |  |  |  |
Impairments |  |  | (4,294 | ) |  |  | (10,314 | ) |  |  | (11,916 | ) |  |  |  |
Balance, end of the period |  | $ | 19,532 |  |  | $ | 29,252 |  |  | $ | 44,533 |  |  |  |  |

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