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Regulatory Requirements (Tables)

12 Months Ended

Apr. 30, 2011

Regulatory Requirements

HRB Bank's Regulatory Capital Requirements


(dollars in 000s)

																		To Be Well Capitalized
										For Capital Adequacy								Under Prompt Corrective
		Actual								Purposes								Action Provisions

		Amount				Ratio				Amount				Ratio				Amount				Ratio


As of March 31, 2011:
Total risk-based capital ratio ⁽¹⁾		$	405,000				92.5%			$	35,019				8.0%			$	43,773				10.0%
Tier 1 risk-based capital ratio ⁽²⁾		$	399,187				91.2%				N/A				N/A			$	26,264				6.0%
Tier 1 capital ratio (leverage) ⁽³⁾		$	399,187				22.8%			$	209,758				12.0%			$	87,399				5.0%
Tangible equity ratio ⁽⁴⁾		$	399,187				22.8%			$	26,220				1.5%				N/A				N/A
As of March 31, 2010:
Total risk-based capital ratio ⁽¹⁾		$	420,401				75.7%			$	44,436				8.0%			$	55,545				10.0%
Tier 1 risk-based capital ratio ⁽²⁾		$	413,074				74.4%				N/A				N/A			$	33,327				6.0%
Tier 1 capital ratio (leverage) ⁽³⁾		$	413,074				24.9%			$	199,272				12.0%			$	83,030				5.0%
Tangible equity ratio ⁽⁴⁾		$	413,074				24.9%			$	24,909				1.5%				N/A				N/A


⁽¹⁾	Total risk-based capital divided by risk-weighted assets.
⁽²⁾	Tier 1 (core) capital less deduction for low-level recourse and residual interest divided by risk-weighted assets.
⁽³⁾	Tier 1 (core) capital divided by adjusted total assets.
⁽⁴⁾	Tangible capital divided by tangible assets.