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Mortgage Loans Held For Investment And Related Assets (Tables) | 3 Months Ended
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Jul. 31, 2011
Mortgage Loans Held For Investment And Related Assets |
Schedule Of Mortgage Loan Portfolio |
|  |  |  |  |  |  |  |  | (dollars in 000s) |
As of |  | July 31, 2011 |  |  | April 30, 2011 |
|  | Amount |  | % of Total |  |  | Amount |  | % of Total |
Adjustable-rate loans | $ | 320,539 |  | 58 | % | $ | 333,828 |  | 58 | %
Fixed-rate loans |  | 233,452 |  | 42 | % |  | 239,146 |  | 42 | %
|  | 553,991 |  | 100 | % |  | 572,974 |  | 100 | %
Unamortized deferred fees and costs |  | 3,975 |  |  |  |  | 4,121 |  |  |
Less: Allowance for loan losses |  | (91,303 | ) |  |  |  | (92,087 | ) |  |
| $ | 466,663 |  |  |  | $ | 485,008 |  |  |
Schedule Of Allowance For Loan Losses |
|  |  |  |  |  |  | (in 000s)
Three months ended July 31, |  | 2011 |  |  | 2010 |  |
Balance, beginning of the period | $ | 92,087 |  | $ | 93,535 |  |
Provision |  | 5,625 |  |  | 8,000 |  |
Recoveries |  | 49 |  |  | 33 |  |
Charge-offs |  | (6,458 | ) |  | (13,172 | ) |
Balance, end of the period | $ | 91,303 |  | $ | 88,396 |  |
Schedule Of Portfolio Balance |
|  |  |  |  |  |  |  | (in 000s)
As of |  | July 31, 2011 |  |  |  | April 30, 2011 |
| Portfolio Balance Related Allowance |  | Portfolio Balance Related Allowance
Pooled (less than 60 days past due) | $ | 290,762 | $ | 10,914 | $ | 304,325 | $ | 11,238
Impaired: |  |  |  |  |  |  |  |
Individually (TDRs) |  | 95,417 |  | 9,499 |  | 106,328 |  | 11,056
Individually (60 days or more past due) | 167,812 |  | 70,890 |  | 162,321 |  | 69,793
| $ | 553,991 | $ | 91,303 | $ | 572,974 | $ | 92,087
Schedule Of Portfolio Balance And Related Allowance |
|  | Outstanding |  | Loan Loss Allowance |  | % 30 | + Days
|  | Principal Balance |  | Amount | % of Principal |  | Past Due |
Purchased from SCC | $ | 346,695 | $ | 80,640 | 23.3 | % | 44.8 | %
All other |  | 207,296 |  | 10,663 | 5.1 | % | 12.4 | %
| $ | 553,991 | $ | 91,303 | 16.5 | % | 32.7 | %
Schedule Of Credit Quality Indicators And Portfolio Balance |
|  |  |  |  |  | (in 000s)
Credit Quality Indicators |  | Purchased from SCC |  | All Other |  | Total Portfolio
Occupancy status: |  |  |  |  |  |
Owner occupied | $ | 244,259 | $ | 132,132 | $ | 376,391
Non-owner occupied |  | 102,436 |  | 75,164 |  | 177,600
| $ | 346,695 | $ | 207,296 | $ | 553,991
Documentation level: |  |  |  |  |  |
Full documentation | $ | 105,547 | $ | 150,972 | $ | 256,519
Limited documentation |  | 10,447 |  | 22,411 |  | 32,858
Stated income |  | 198,898 |  | 21,168 |  | 220,066
No documentation |  | 31,803 |  | 12,745 |  | 44,548
| $ | 346,695 | $ | 207,296 | $ | 553,991
Internal risk rating: |  |  |  |  |  |
High | $ | 143,931 | $ | 357 | $ | 144,288
Medium |  | 202,764 |  | - |  | 202,764
Low |  | - |  | 206,939 |  | 206,939
| $ | 346,695 | $ | 207,296 | $ | 553,991
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 | $ | 35,960 | $ | 8,886 |  | $ | 133,767 | $ | 178,613 | $ | 168,082 | $ | 346,695
All other |  | 10,470 |  | 1,735 |  |  | 20,479 |  | 32,684 |  | 174,612 |  | 207,296
| $ | 46,430 | $ | 10,621 |  | $ | 154,246 | $ | 211,297 | $ | 342,694 | $ | 553,991
(1) No loans past due 90 days or more are still accruing interest
Schedule Of Non-Accrual Loans |
|  |  |  | (in 000s)
As of |  | July 31, 2011 |  | April 30, 2011
Loans: |  |  |  |
Purchased from SCC | $ | 138,277 | $ | 143,358
Other |  | 22,964 |  | 14,106
|  | 161,241 |  | 157,464
TDRs: |  |  |  |
Purchased from SCC |  | 3,767 |  | 2,849
Other |  | 178 |  | 329
|  | 3,945 |  | 3,178
Total non-accrual loans | $ | 165,186 | $ | 160,642
Information Related To Impaired Loans | Information related to impaired loans is as follows:
|  |  |  |  |  |  |  | (in 000s) |
|  | Portfolio Balance |  |  | Portfolio Balance |  |  | Total |  |  |  |
|  | With Allowance |  |  | With No Allowance |  |  | Portfolio Balance |  |  | Related Allowance |
As of July 31, 2011: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Purchased from SCC |  | $ | 180,494 |  |  | $ | 47,081 |  |  | $ | 227,575 |  |  | $ | 70,964 |
Other |  |  | 27,954 |  |  |  | 7,700 |  |  |  | 35,654 |  |  |  | 9,425 |
|  | $ | 208,448 |  |  | $ | 54,781 |  |  | $ | 263,229 |  |  | $ | 80,389 |
As of April 30, 2011: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Purchased from SCC (1) |  | $ | 180,387 |  |  | $ | 51,674 |  |  | $ | 232,061 |  |  | $ | 71,733 |
Other (1) |  |  | 29,027 |  |  |  | 7,561 |  |  |  | 36,588 |  |  |  | 9,116 |
|  | $ | 209,414 |  |  | $ | 59,235 |  |  | $ | 268,649 |  |  | $ | 80,849 |
(1) |  | Classification of amounts as of April 30, 2011 have been restated to conform to the current period presentation.
Schedule Of Allowance For Impaired Loans |
|  |  |  | (in 000s)
As of |  | July 31, 2011 |  | April 30, 2011
Portion of total allowance for loan losses allocated |  |  |  |
to impaired loans and TDR loans: |  |  |  |
Based on collateral value method | $ | 70,890 | $ | 69,794
Based on discounted cash flow method |  | 9,499 |  | 11,055
| $ | 80,389 | $ | 80,849
Information Related To Activities Of Non-Performing Assets |
|  | (in 000s) |
Three Months Ended July 31, |  | 2011 |  |  | 2010 |
Average impaired loans: |  |  |  |  |  |  |  |
Purchased from SCC |  | $ | 230,150 |  |  |  |  |
All other |  |  | 36,477 |  |  |  |  |
|  | $ | 266,627 |  |  | $ | 303,767 |
Interest income on impaired loans: |  |  |  |  |  |  |  |
Purchased from SCC |  | $ | 1,556 |  |  |  |  |
All other |  |  | 119 |  |  |  |  |
|  | $ | 1,675 |  |  | $ | 1,749 |
Interest income on impaired loans recognized on a cash basis on non-accrual status: |  |  |  |  |  |  |  |
Purchased from SCC |  | $ | 1,498 |  |  |  |  |
All other |  |  | 114 |  |  |  |  |
|  | $ | 1,612 |  |  | $ | 1,636 |
Schedule Of Real Estate Owned |
|  |  |  |  |  |  | (in 000s)
Three months ended July 31, |  | 2011 |  |  | 2010 |  |
Balance, beginning of the period | $ | 19,532 |  | $ | 29,252 |  |
Additions |  | 1,573 |  |  | 6,527 |  |
Sales |  | (3,722 | ) |  | (8,827 | ) |
Writedowns |  | (793 | ) |  | (643 | ) |
Balance, end of the period | $ | 16,590 |  | $ | 26,309 |  |

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