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Fair Value Measurement (Tables) | 6 Months Ended
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Oct. 31, 2012
Fair Value Disclosures [Abstract] |
Assets Remeasured At Fair Value On Recurring Basis |
|  |  |  |  |  |  |  |  |  |  |  |  |  | (dollars in 000s)
|  | Total |  |  | Level 1 |  |  | Level 2 |  |  | Level 3 |  |  | Gain
October 31, 2012: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage-backed securities | $ | 384,062 |  | $ | - |  | $ | 384,062 |  | $ | - |  | $ | 6,007
Municipal bonds |  | 5,592 |  |  | - |  |  | 5,592 |  |  | - |  |  | 382
| $ | 389,654 |  | $ | - |  | $ | 389,654 |  | $ | - |  | $ | 6,389
As a percentage of total assets |  | 10.0% |  |  | - % |  |  | 10.0% |  |  | - % |  |  |
October 31, 2011: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage-backed securities | $ | 300,664 |  | $ | - |  | $ | 300,664 |  | $ | - |  | $ | 3,507
Municipal bonds |  | 7,675 |  |  | - |  |  | 7,675 |  |  | - |  |  | 390
| $ | 308,339 |  | $ | - |  | $ | 308,339 |  | $ | - |  | $ | 3,897
As a percentage of total assets |  | 7.8% |  |  | - % |  |  | 7.8% |  |  | - % |  |  |
Assets Remeasured At Fair Value On Non-Recurring Basis |
|  |  |  |  |  |  |  |  |  |  |  |  |  | (dollars in 000s)
|  | Total |  |  | Level 1 |  |  | Level 2 |  |  | Level 3 |  |  | Loss
October 31, 2012: |  |  |  |  |  |  |  |  |  |  |  |  |  |
REO | $ | 14,646 |  | $ | - |  | $ | - |  | $ | 14,646 |  | $ | (203)
Impaired mortgage loans held for investment |  | 89,032 |  |  | - |  |  | - |  |  | 89,032 |  |  | (7,298)
| $ | 103,678 |  | $ | - |  | $ | - |  | $ | 103,678 |  | $ | (7,501)
As a percentage of total assets |  | 2.7% |  |  | - % |  |  | - % |  |  | 2.7% |  |  |
October 31, 2011: |  |  |  |  |  |  |  |  |  |  |  |  |  |
REO |  | 16,918 |  |  | - |  |  | - |  |  | 16,918 |  |  | (485)
Impaired mortgage loans held for investment |  | 114,394 |  |  | - |  |  | - |  |  | 114,394 |  |  | (6,672)
| $ | 131,312 |  | $ | - |  | $ | - |  | $ | 131,312 |  | $ | (7,157)
As a percentage of total assets |  | 3.3% |  |  | - % |  |  | - % |  |  | 3.3% |  |  |
Quantitative Information About Level 3 Fair Value Measurements |
|  |  |  |  |  |  |  |  |  |  |  |  | (dollars in 000s)
|  | Fair Value at |  | Valuation |  |  |  | Range
|  | October 31, 2012 |  | Technique |  | Unobservable Input |  | (Weighted Average)
REO | $ | 13,817 |  | Third party pricing |  | Cost to list/sell |  | 5% | - | 36% | ( | 6% | )
|  |  |  |  |  | Loss severity |  | 0% | - | 100% | ( | 52% | )
Impaired mortgage loans held for investment – non TDRs | $ | 87,243 |  | Collateral-based |  | Cost to list/sell |  | 0% | - | 30% | ( | 7% | )
|  |  |  |  |  | Time to sell (months) |  |  |  | 24 | ( | 24 | )
|  |  |  |  |  | Collateral depreciation |  | (38%) | - | 100% | ( | 46% | )
|  |  |  |  |  | Loss severity |  | 0% | - | 100% | ( | 57% | )
Impaired mortgage loans held for investment – TDRs | $ | 57,630 |  | Discounted cash flow |  | Aged default performance |  | 30% | - | 55% | ( | 42% | )
|  |  |  |  |  | Loss severity |  | 0% | - | 21% | ( | 4% | )

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- Definition Tabular disclosure of assets and liabilities by class, including financial instruments measured at fair value that are classified in shareholders' equity, if any, that are measured at fair value on a nonrecurring basis in periods after initial recognition (for example, impaired assets). Disclosures may include, but are not limited to: (a) the fair value measurements recorded and the reasons for the measurements and (b) the level within the fair value hierarchy in which the fair value measurements are categorized in their entirety (levels 1, 2, 3). + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Statement of Financial Accounting Standard (FAS) -Number 157 -Paragraph 33 -Subparagraph a, b -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 820 -SubTopic 10 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=7578670&loc=d3e19296-110258 + Details
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- Definition Tabular disclosure of assets, including [financial] instruments measured at fair value that are classified in stockholders' equity, if any, by class that are measured at fair value on a recurring basis. The disclosures contemplated herein include the fair value measurements at the reporting date by the level within the fair value hierarchy in which the fair value measurements in their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets (Level 1), significant other observable inputs (Level 2), and significant unobservable inputs (Level 3). + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Statement of Financial Accounting Standard (FAS) -Number 157 -Paragraph 6 -Footnote 4 -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 Statement of Financial Accounting Standard (FAS) -Number 157 -Paragraph 32 -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 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 820 -SubTopic 10 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=7578670&loc=d3e19190-110258 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 820 -SubTopic 10 -Section 50 -Paragraph 2 -Subparagraph (a),(b) -URI http://asc.fasb.org/extlink&oid=7578670&loc=d3e19207-110258 + Details
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- Definition Tabular disclosure of the fair value measurement of assets using significant unobservable inputs (Level 3), a reconciliation of the beginning and ending balances, separately presenting changes during the period attributable to the following: (1) total gains or losses for the period (realized and unrealized), segregating those gains or losses included in earnings (or changes in net assets) and gains or losses recognized in other comprehensive income (loss), and a description of where those gains or losses included in earnings (or changes in net assets) are reported in the statement of income (or activities); (2) purchases, sales, issues, and settlements (each type disclosed separately); and (3) transfers in and transfers out of Level 3 (for example, transfers due to changes in the observability of significant inputs), by class of asset. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 820 -SubTopic 10 -Section 50 -Paragraph 2 -Subparagraph (c) -URI http://asc.fasb.org/extlink&oid=7578670&loc=d3e19207-110258 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 820 -SubTopic 10 -Section 50 -Paragraph 3 -URI http://asc.fasb.org/extlink&oid=7578670&loc=d3e19279-110258 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Statement of Financial Accounting Standard (FAS) -Number 157 -Paragraph 32 -Subparagraph c -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. + Details
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