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Mortgage Loans Held For Investment And Related Assets (Tables) | 6 Months Ended
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Oct. 31, 2012
Mortgage Loans Held For Investment And Related Assets [Abstract] |
Schedule Of Mortgage Loan Portfolio |
|  |  |  |  |  |  |  |  |  | (dollars in 000s)
As of |  |  | October 31, 2012 |  |  | April 30, 2012
|  |  | Amount |  | % of Total |  |  | Amount |  | % of Total
Adjustable-rate loans |  | $ | 210,610 |  | 55% |  | $ | 238,442 |  | 56%
Fixed-rate loans |  |  | 175,257 |  | 45% |  |  | 190,870 |  | 44%
|  |  | 385,867 |  | 100% |  |  | 429,312 |  | 100%
Unamortized deferred fees and costs |  |  | 3,108 |  |  |  |  | 3,429 |  |
Less: Allowance for loan losses |  |  | (18,125) |  |  |  |  | (26,540) |  |
|  | $ | 370,850 |  |  |  | $ | 406,201 |  |
Schedule Of Allowance For Loan Losses |
|  |  |  |  | (in 000s)
Six months ended October 31, |  | 2012 |  |  | 2011
Balance, beginning of the period | $ | 26,540 |  | $ | 92,087
Provision |  | 6,750 |  |  | 12,750
Recoveries |  | 2,291 |  |  | 88
Charge-offs |  | (17,456) |  |  | (13,546)
Balance, end of the period | $ | 18,125 |  | $ | 91,379
Schedule Of Portfolio Balance |
|  |  |  |  |  |  |  |  |  |  | (in 000s)
As of |  | October 31, 2012 |  |  | April 30, 2012
|  | Portfolio Balance |  |  | Related Allowance |  |  | Portfolio Balance |  |  | Related Allowance
Pooled | $ | 229,761 |  | $ | 6,892 |  | $ | 248,772 |  | $ | 9,237
Impaired: |  |  |  |  |  |  |  |  |  |  |
Individually (TDRs) |  | 63,602 |  |  | 5,972 |  |  | 71,949 |  |  | 7,752
Individually |  | 92,504 |  |  | 5,261 |  |  | 108,591 |  |  | 9,551
| $ | 385,867 |  | $ | 18,125 |  | $ | 429,312 |  | $ | 26,540
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 | $ | 221,064 |  | $ | 14,152 |  | 6.4% |  | 33.9%
All other |  | 164,803 |  |  | 3,973 |  | 2.4% |  | 8.7%
| $ | 385,867 |  | $ | 18,125 |  | 4.7% |  | 23.1%
Schedule Of Credit Quality Indicators And Portfolio Balance |
|  |  |  |  |  |  |  | (in 000s)
Credit Quality Indicators |  | Purchased from SCC |  | All Other |  | Total Portfolio
Occupancy status: |  |  |  |  |  |  |  |
Owner occupied | $ | 161,298 |  | $ | 105,584 |  | $ | 266,882
Non-owner occupied |  | 59,766 |  |  | 59,219 |  |  | 118,985
| $ | 221,064 |  | $ | 164,803 |  | $ | 385,867
Documentation level: |  |  |  |  |  |  |  |
Full documentation | $ | 72,086 |  | $ | 120,286 |  | $ | 192,372
Limited documentation |  | 7,003 |  |  | 17,240 |  |  | 24,243
Stated income |  | 122,577 |  |  | 16,814 |  |  | 139,391
No documentation |  | 19,398 |  |  | 10,463 |  |  | 29,861
| $ | 221,064 |  | $ | 164,803 |  | $ | 385,867
Internal risk rating: |  |  |  |  |  |  |  |
High | $ | 72,880 |  | $ | - |  | $ | 72,880
Medium |  | 148,184 |  |  | - |  |  | 148,184
Low |  | - |  |  | 164,803 |  |  | 164,803
| $ | 221,064 |  | $ | 164,803 |  | $ | 385,867
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 | $ | 21,741 |  | $ | 3,313 |  | $ | 69,812 |  | $ | 94,866 |  | $ | 126,198 |  | $ | 221,064
All other |  | 6,566 |  |  | 900 |  |  | 13,375 |  |  | 20,841 |  |  | 143,962 |  |  | 164,803
| $ | 28,307 |  | $ | 4,213 |  | $ | 83,187 |  | $ | 115,707 |  | $ | 270,160 |  | $ | 385,867
(1) We do not accrue interest on loans past due 90 days or more.
Schedule Of Non-Accrual Loans |
|  |  |  |  | (in 000s)
As of |  | October 31, 2012 |  |  | April 30, 2012
Loans: |  |  |  |  |
Purchased from SCC | $ | 75,414 |  | $ | 88,347
Other |  | 16,427 |  |  | 16,626
|  | 91,841 |  |  | 104,973
TDRs: |  |  |  |  |
Purchased from SCC |  | 3,776 |  |  | 3,166
Other |  | 506 |  |  | 1,270
|  | 4,282 |  |  | 4,436
Total non-accrual loans | $ | 96,123 |  | $ | 109,409
Information Related To Impaired Loans |
|  |  |  |  |  |  |  |  |  |  | (in 000s)
|  | Balance |  |  | Balance With |  |  | Total |  |  | Related
|  | With Allowance |  |  | No Allowance |  |  | Impaired Loans |  |  | Allowance
As of October 31, 2012: |  |  |  |  |  |  |  |  |  |  |
Purchased from SCC | $ | 40,142 |  | $ | 90,516 |  | $ | 130,658 |  | $ | 7,992
Other |  | 7,951 |  |  | 17,497 |  |  | 25,448 |  |  | 3,241
| $ | 48,093 |  | $ | 108,013 |  | $ | 156,106 |  | $ | 11,233
As of April 30, 2012: |  |  |  |  |  |  |  |  |  |  |
Purchased from SCC | $ | 56,128 |  | $ | 97,591 |  | $ | 153,719 |  | $ | 14,917
Other |  | 7,137 |  |  | 19,684 |  |  | 26,821 |  |  | 2,386
| $ | 63,265 |  | $ | 117,275 |  | $ | 180,540 |  | $ | 17,303
Schedule Of Allowance For Impaired Loans |
|  |  |  |  | (in 000s)
As of |  | October 31, 2012 |  |  | April 30, 2012
Portion of total allowance for loan losses allocated |  |  |  |  |
to impaired loans and TDR loans: |  |  |  |  |
Based on collateral value method | $ | 5,261 |  | $ | 9,551
Based on discounted cash flow method |  | 5,972 |  |  | 7,752
| $ | 11,233 |  | $ | 17,303
Information Related To Activities Of Non-Performing Assets |
|  |  |  |  | (in 000s)
Six months ended October 31, |  | 2012 |  |  | 2011
Average impaired loans: |  |  |  |  |
Purchased from SCC | $ | 141,521 |  | $ | 226,880
All other |  | 26,343 |  |  | 35,525
| $ | 167,864 |  | $ | 262,405
Interest income on impaired loans: |  |  |  |  |
Purchased from SCC | $ | 1,992 |  | $ | 3,076
All other |  | 158 |  |  | 238
| $ | 2,150 |  | $ | 3,314
Interest income on impaired loans recognized on |  |  |  |  |
a cash basis on non-accrual status: |  |  |  |  |
Purchased from SCC | $ | 1,956 |  | $ | 2,973
All other |  | 145 |  |  | 224
| $ | 2,101 |  | $ | 3,197
Schedule Of Real Estate Owned |
|  |  |  |  | (in 000s)
Six months ended October 31, |  | 2012 |  |  | 2011
Balance, beginning of the period | $ | 14,972 |  | $ | 19,532
Additions |  | 5,312 |  |  | 4,438
Sales |  | (5,189) |  |  | (6,303)
Writedowns |  | (1,278) |  |  | (1,706)
Balance, end of the period | $ | 13,817 |  | $ | 15,961

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