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Mortgage Loans Held For Investment And Related Assets (Tables) | 9 Months Ended
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Jan. 31, 2012
Mortgage Loans Held For Investment And Related Assets [Abstract] |
Schedule Of Mortgage Loan Portfolio |
|  | (dollars in 000s)
| January 31, 2012 | April 30, 2011
As of | Amount | % of Total | Amount | % of Total
Adjustable-rate loans | $ 297,375 | 58 % | $ 333,828 | 58 %
Fixed-rate loans | 219,134 | 42 % | 239,146 | 42 %
| 516,509 | 100 % | 572,974 | 100 %
Unamortized deferred fees and costs | 3,629 |  | 4,121 |
Less: Allowance for loan losses | (89,949 ) |  | (92,087 ) |
| $ 430,189 |  | $ 485,008 |
Schedule Of Allowance For Loan Losses |
|  | (in 000s)
Nine months ended January 31, | 2012 | 2011
Balance, beginning of the period | $ 92,087 | $ 93,535
Provision | 17,275 | 24,100
Recoveries | 160 | 169
Charge-offs | (19,573 ) | (29,928 )
Balance, end of the period | $ 89,949 | $ 87,876
Schedule Of Portfolio Balance |
|  |  |  | (in 000s)
| January 31, 2012 | April 30, 2011
As of | Portfolio Balance | Related Allowance | Portfolio Balance | Related Allowance
Pooled (less than 60 days past due) | $ 260,916 | $ 9,467 | $ 304,325 | $ 11,238
Impaired: |  |  |  |
Individually (TDRs) | 84,443 | 9,011 | 106,328 | 11,056
Individually (60 days or more past due) | 171,150 | 71,471 | 162,321 | 69,793
| $ 516,509 | $ 89,949 | $ 572,974 | $ 92,087
Schedule Of Mortgage Loans Held For Investment And The Related Allowance |
|  |  |  | (dollars in 000s)
| Outstanding | Loan Loss Allowance | % 30+ Days
| Principal Balance | Amount | % of Principal | Past Due
Purchased from SCC | $ 324,122 | $ 77,373 | 23.9 % | 47.1 %
All other | 192,387 | 12,576 | 6.5 % | 12.4 %
| $ 516,509 | $ 89,949 | 17.4 % | 34.2 %
Schedule Of Credit Quality Indicators And Portfolio Balance |
|  |  | (in 000s)
Credit Quality Indicators | Purchased from SCC | All Other | Total Portfolio
Occupancy status: |  |  |
Owner occupied | $ 229,463 | $ 122,424 | $ 351,887
Non-owner occupied | 94,659 | 69,963 | 164,622
| $ 324,122 | $ 192,387 | $ 516,509
Documentation level: |  |  |
Full documentation | $ 95,323 | $ 140,179 | $ 235,502
Limited documentation | 8,414 | 19,999 | 28,413
Stated income | 189,698 | 19,793 | 209,491
No documentation | 30,687 | 12,416 | 43,103
| $ 324,122 | $ 192,387 | $ 516,509
Internal risk rating: |  |  |
High | $ 129,745 | $ — | $ 129,745
Medium | 194,377 | — | 194,377
Low | — | 192,387 | 192,387
| $ 324,122 | $ 192,387 | $ 516,509
Schedule Of Past Due Mortgage Loans |
|  |  |  |  |  | (in 000s)
| Less than 60 Days Past Due | 60 –89 Days Past Due | 90+ Days Past Due(1) | Total Past Due | Current | Total
Purchased from SCC | $ 28,876 | $ 6,159 | $ 141,247 | $ 176,282 | $ 147,840 | $ 324,122
All other | 8,423 | 1,524 | 20,639 | 30,586 | 161,801 | 192,387
| $ 37,299 | $ 7,683 | $ 161,886 | $ 206,868 | $ 309,641 | $ 516,509
(1) We do not accrue interest on loans past due 90 days or more.
Schedule Of Non-Accrual Loans |
|  | (in 000s)
As of | January 31, 2012 | April 30, 2011
Loans: |  |
Purchased from SCC | $ 142,853 | $ 143,358
Other | 23,283 | 14,106
| 166,136 | 157,464
TDRs: |  |
Purchased from SCC | 5,729 | 2,849
Other | 1,282 | 329
| 7,011 | 3,178
Total non-accrual loans | $ 173,147 | $ 160,642
Information Related To Impaired Loans |
|  |  |  | (in 000s)
| Portfolio Balance | Portfolio Balance | Total |
| With Allowance | With No Allowance | Portfolio Balance | Related Allowance
As of January 31, 2012: |  |  |  |
Purchased from SCC | $ 179,776 | $ 40,672 | $ 220,448 | $ 71,084
Other | 25,390 | 9,755 | 35,145 | 9,398
| $ 205,166 | $ 50,427 | $ 255,593 | $ 80,482
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 has been restated to conform to the current period presentation.
Schedule Of Allowance For Impaired Loans |
|  | (in 000s)
As of | January 31, 2012 | April 30, 2011
Portion of total allowance for loan losses allocated to impaired loans and TDR loans: |  |
Based on collateral value method | $ 71,471 | $ 69,794
Based on discounted cash flow method | 9,011 | 11,055
| $ 80,482 | $ 80,849
Information Related To Activities Of Non-Performing Assets |
|  | (in 000s)
Nine months ended January 31, | 2012 | 2011
Average impaired loans: |  |
Purchased from SCC | $ 224,002 |
All other | 35,421 |
| $ 259,423 | $ 308,282
Interest income on impaired loans: |  |
Purchased from SCC | $ 4,340 |
All other | 348 |
| $ 4,688 | $ 4,975
Interest income on impaired loans recognized on a cash basis on non-accrual status: |  |
Purchased from SCC | $ 4,182 |
All other | 324 |
| $ 4,506 | $ 4,711
Schedule Of Real Estate Owned |
|  | (in 000s)
Nine months ended January 31, | 2012 | 2011
Balance, beginning of the period | $ 19,532 | $ 29,252
Additions | 6,521 | 12,931
Sales | (7,933 ) | (16,900 )
Writedowns | (2,193 ) | (3,442 )
Balance, end of the period | $ 15,927 | $ 21,841

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