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Mortgage Loans Held For Investment And Related Assets (Tables) | 12 Months Ended
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Apr. 30, 2013
Mortgage Loans Held For Investment And Related Assets [Abstract] |
Schedule Of Mortgage Loan Portfolio | The composition of our mortgage loan portfolio as of April 30, 2013 and 2012 is as follows:
(dollars in 000s) |
As of April 30, |  | 2013 |  | 2012
|  | Amount |  |  | % of Total |  |  | Amount |  |  | % of Total |
Adjustable-rate loans |  | $ | 191,093 |  |  | 55 | % |  | $ | 238,442 |  |  | 56 | %
Fixed-rate loans |  | 159,142 |  |  | 45 | % |  | 190,870 |  |  | 44 | %
|  | 350,235 |  |  | 100 | % |  | 429,312 |  |  | 100 | %
Unamortized deferred fees and costs |  | 2,868 |  |  |  |  | 3,429 |  |  |
Less: Allowance for loan losses |  | (14,314 | ) |  |  |  | (26,540 | ) |  |
|  | $ | 338,789 |  |  |  |  | $ | 406,201 |  |  |
Schedule Of Allowance For Loan Losses | Activity in the allowance for loan losses for the years ended April 30, 2013, 2012 and 2011 is as follows:
(in 000s) |
Year ended April 30, |  | 2013 |  |  | 2012 |  |  | 2011 |
Balance at beginning of the year |  | $ | 26,540 |  |  | $ | 92,087 |  |  | $ | 93,535 |
Provision |  | 13,283 |  |  | 24,075 |  |  | 35,567 |
Recoveries |  | 3,338 |  |  | 292 |  |  | 272 |
Charge-offs |  | (28,847 | ) |  | (89,914 | ) |  | (37,287 | )
Balance at end of the year |  | $ | 14,314 |  |  | $ | 26,540 |  |  | $ | 92,087 |
Schedule Of Portfolio Balance And Related Allowance | The balance of these loans and the related allowance is as follows:
(in 000s) |
As of April 30, |  | 2013 |  | 2012
|  | Portfolio Balance |  |  | Related Allowance |  |  | Portfolio Balance |  |  | Related Allowance |
Pooled (less than 60 days past due) |  | $ | 207,319 |  |  | $ | 5,628 |  |  | $ | 248,772 |  |  | $ | 9,237 |
Impaired: |  |  |  |  |  |  |  |
Individually (TDRs) |  | 55,061 |  |  | 4,924 |  |  | 71,949 |  |  | 7,752 |
Individually (60 days or more past due) |  | 87,855 |  |  | 3,762 |  |  | 108,591 |  |  | 9,551 |
|  | $ | 350,235 |  |  | $ | 14,314 |  |  | $ | 429,312 |  |  | $ | 26,540 |
Schedule Of Mortgage Loans Held For Investment And The Related Allowance | Detail of our mortgage loans held for investment and the related allowance at April 30, 2013 is as follows:
(dollars in 000s) |
|  | Outstanding Principal Balance |  |  | Loan Loss Allowance |  | % 30+ Days Past Due |
|  |  | Amount |  |  | % of Principal |  |
Purchased from SCC |  | $ | 198,204 |  |  | $ | 10,926 |  |  | 5.5 | % |  | 33.7 | %
All other |  | 152,031 |  |  | 3,388 |  |  | 2.2 | % |  | 9.3 | %
|  | $ | 350,235 |  |  | $ | 14,314 |  |  | 4.1 | % |  | 23.1 | %
Schedule Of Credit Quality Indicators | Credit quality indicators at April 30, 2013 include the following:
(in 000s) |
Credit Quality Indicators |  | Purchased from SCC |  |  | All Other |  |  | Total Portfolio |
Occupancy status: |  |  |  |  |  |
Owner occupied |  | $ | 143,924 |  |  | $ | 97,490 |  |  | $ | 241,414 |
Non-owner occupied |  | 54,280 |  |  | 54,541 |  |  | 108,821 |
|  | $ | 198,204 |  |  | $ | 152,031 |  |  | $ | 350,235 |
Documentation level: |  |  |  |  |  |
Full documentation |  | $ | 65,176 |  |  | $ | 110,904 |  |  | $ | 176,080 |
Limited documentation |  | 6,640 |  |  | 15,787 |  |  | 22,427 |
Stated income |  | 109,740 |  |  | 15,906 |  |  | 125,646 |
No documentation |  | 16,648 |  |  | 9,434 |  |  | 26,082 |
|  | $ | 198,204 |  |  | $ | 152,031 |  |  | $ | 350,235 |
Internal risk rating: |  |  |  |  |  |
High |  | $ | 62,459 |  |  | $ | — |  |  | $ | 62,459 |
Medium |  | 135,745 |  |  | — |  |  | 135,745 |
Low |  | — |  |  | 152,031 |  |  | 152,031 |
|  | $ | 198,204 |  |  | $ | 152,031 |  |  | $ | 350,235 |
Schedule Of Past Due Mortgage Loans | Detail of the aging of the mortgage loans in our portfolio as of April 30, 2013 is as follows:
(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 |  | $ | 14,778 |  |  | $ | 2,765 |  |  | $ | 63,421 |  |  | $ | 80,964 |  |  | $ | 117,240 |  |  | $ | 198,204 |
All other |  | 5,716 |  |  | 2,076 |  |  | 11,795 |  |  | 19,587 |  |  | 132,444 |  |  | 152,031 |
|  | $ | 20,494 |  |  | $ | 4,841 |  |  | $ | 75,216 |  |  | $ | 100,551 |  |  | $ | 249,684 |  |  | $ | 350,235 |
(1) | We do not accrue interest on loans past due 90 days or more.
Schedule Of Non-Accrual Loans | Information related to our non-accrual loans is as follows:
|  |  |  | (in 000s) |
As of April 30, |  | 2013 |  |  | 2012 |
Loans: |  |  |  |
Purchased from SCC |  | $ | 70,327 |  |  | $ | 88,347 |
Other |  | 14,906 |  |  | 16,626 |
|  | 85,233 |  |  | 104,973 |
TDRs: |  |  |  |
Purchased from SCC |  | 3,719 |  |  | 3,166 |
Other |  | 502 |  |  | 1,270 |
|  | 4,221 |  |  | 4,436 |
Total non-accrual loans |  | $ | 89,454 |  |  | $ | 109,409 |
Information Related To Impaired Loans | Information related to impaired loans is as follows:
(in 000s) |
|  | Balance With Allowance |  |  | Balance With No Allowance |  |  | Total Impaired Loans |  |  | Related Allowance |
As of April 30, 2013: |  |  |  |  |  |  |  |
Purchased from SCC |  | $ | 33,791 |  |  | $ | 84,592 |  |  | $ | 118,383 |  |  | $ | 6,573 |
Other |  | 7,601 |  |  | 16,932 |  |  | 24,533 |  |  | 2,113 |
|  | $ | 41,392 |  |  | $ | 101,524 |  |  | $ | 142,916 |  |  | $ | 8,686 |
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 | Information related to the allowance for impaired loans is as follows:
(in 000s) |
As of April 30, |  | 2013 |  |  | 2012 |
Portion of total allowance for loan losses allocated to impaired loans and TDR loans: |  |  |  |
Based on collateral value method |  | $ | 3,762 |  |  | $ | 9,551 |
Based on discounted cash flow method |  | 4,924 |  |  | 7,752 |
|  | $ | 8,686 |  |  | $ | 17,303 |
Information Related To Activities Of Non-Performing Assets | Information related to activities of our non-performing assets is as follows:
(in 000s) |
For the year ended April 30, |  | 2013 |  |  | 2012 |  |  | 2011 |
Average impaired loans: |  |  |  |  |  |
Purchased from SCC |  | $ | 133,936 |  |  | $ | 211,867 |  |  | $ | 252,673 |
All other |  | 25,425 |  |  | 33,940 |  |  | 37,082 |
|  | $ | 159,361 |  |  | $ | 245,807 |  |  | $ | 289,755 |
Interest income on impaired loans: |  |  |  |  |  |
Purchased from SCC |  | $ | 3,825 |  |  | $ | 5,454 |  |  | $ | 5,795 |
All other |  | 305 |  |  | 445 |  |  | 829 |
|  | $ | 4,130 |  |  | $ | 5,899 |  |  | $ | 6,624 |
Interest income on impaired loans recognized on a cash basis on non-accrual status: |  |  |  |  |  |
Purchased from SCC |  | $ | 3,746 |  |  | $ | 5,265 |  |  | $ | 5,567 |
All other |  | 279 |  |  | 417 |  |  | 744 |
|  | $ | 4,025 |  |  | $ | 5,682 |  |  | $ | 6,311 |
Schedule Of Real Estate Owned | Activity related to our REO is as follows:
(in 000s) |
Year ended April 30, |  | 2013 |  |  | 2012 |  |  | 2011 |
Balance, beginning of the year |  | $ | 14,972 |  |  | $ | 19,532 |  |  | $ | 29,252 |
Additions |  | 10,357 |  |  | 10,308 |  |  | 16,463 |
Sales |  | (9,271 | ) |  | (11,976 | ) |  | (21,889 | )
Impairments |  | (2,090 | ) |  | (2,892 | ) |  | (4,294 | )
Balance, end of the year |  | $ | 13,968 |  |  | $ | 14,972 |  |  | $ | 19,532 |

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