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Customer Banking Deposits | 12 Months Ended
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Apr. 30, 2011
Customer Banking Deposits |
Customer Banking Deposits | NOTE 10: CUSTOMER BANKING DEPOSITS The components of customer banking deposits at April 30, 2011 and 2010 and the related interest expense recorded during the periods are as follows:
(in 000s) |  |  |  |
April 30, |  | 2011 |  |  | 2010 |  |  |  |
|  | Outstanding |  |  | Interest |  |  | Outstanding |  |  | Interest |  |  |  |
|  | Balance |  |  | Expense |  |  | Balance |  |  | Expense |  |  |  |
Short-term: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Money-market deposits |  | $ | 164,734 |  |  | $ | 2,168 |  |  | $ | 195,220 |  |  | $ | 1,871 |  |  |  |  |
Savings deposits |  |  | 11,030 |  |  |  | 107 |  |  |  | 12,460 |  |  |  | 128 |  |  |  |  |
Checking deposits: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Interest-bearing |  |  | 6,947 |  |  |  | 94 |  |  |  | 24,190 |  |  |  | 83 |  |  |  |  |
Non-interest-bearing |  |  | 279,296 |  |  |  | – |  |  |  | 200,096 |  |  |  | – |  |  |  |  |
|  |  | 286,243 |  |  |  | 94 |  |  |  | 224,286 |  |  |  | 83 |  |  |  |  |
IRAs and other time deposits: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Due in one year |  |  | 49,003 |  |  |  |  |  |  |  | 60,349 |  |  |  |  |  |  |  |  |
IRAs |  |  | 341,210 |  |  |  |  |  |  |  | 360,240 |  |  |  |  |  |  |  |  |
|  |  | 390,213 |  |  |  | 6,119 |  |  |  | 420,589 |  |  |  | 8,092 |  |  |  |  |
|  | $ | 852,220 |  |  | $ | 8,488 |  |  | $ | 852,555 |  |  | $ | 10,174 |  |  |  |  |
Long-term: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Due in two years |  | $ | 7,939 |  |  |  |  |  |  | $ | 12,479 |  |  |  |  |  |  |  |  |
Due in three years |  |  | 3,717 |  |  |  |  |  |  |  | 6,079 |  |  |  |  |  |  |  |  |
Due in four years |  |  | 16 |  |  |  |  |  |  |  | 3,105 |  |  |  |  |  |  |  |  |
Due in five years |  |  | 6 |  |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  |  |
|  | $ | 11,678 |  |  | $ | – |  |  | $ | 21,664 |  |  | $ | – |  |  |  |  |
Accrued but unpaid interest on deposits totaled $0.2 million at April 30, 2011 and 2010. Time deposit accounts totaling $7.3 million were in excess of Federal Deposit Insurance Corporation (FDIC) insured limits at April 30, 2011, and mature as follows:
|  | (in 000s) |
Three months or less |  | $ | 480 |
Three to six months |  |  | 2,929 |
Six to twelve months |  |  | 2,011 |
Over twelve months |  |  | 1,883 |
|  | $ | 7,303 |

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- Definition The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher AICPA -Name Statement of Position (SOP) -Number 01-6 -Paragraph 14 -Subparagraph e -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03.12) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 405 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=6479006&loc=d3e64164-112818 + Details
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