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Mortgage Loans Held For Investment And Related Assets (Tables) | 9 Months Ended
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Jan. 31, 2013
Mortgage Loans Held For Investment And Related Assets [Abstract] |
Schedule Of Mortgage Loan Portfolio |
|  |  |  |  |  |  |  |  |  | (dollars in 000s)
As of |  |  | January 31, 2013 |  |  | April 30, 2012
|  |  | Amount |  | % of Total |  |  | Amount |  | % of Total
Adjustable-rate loans |  | $ | 203,624 |  | 55% |  | $ | 238,442 |  | 56%
Fixed-rate loans |  |  | 168,515 |  | 45% |  |  | 190,870 |  | 44%
|  |  | 372,139 |  | 100% |  |  | 429,312 |  | 100%
Unamortized deferred fees and costs |  |  | 3,004 |  |  |  |  | 3,429 |  |
Less: Allowance for loan losses |  |  | (17,256) |  |  |  |  | (26,540) |  |
|  | $ | 357,887 |  |  |  | $ | 406,201 |  |
Schedule Of Allowance For Loan Losses |
|  |  |  |  | (in 000s)
Nine months ended January 31, |  | 2013 |  |  | 2012
Balance, beginning of the period | $ | 26,540 |  | $ | 92,087
Provision |  | 10,250 |  |  | 17,275
Recoveries |  | 2,745 |  |  | 160
Charge-offs |  | (22,279) |  |  | (19,573)
Balance, end of the period | $ | 17,256 |  | $ | 89,949
Schedule Of Portfolio Balance |
|  |  |  |  |  |  |  |  |  |  | (in 000s)
As of |  | January 31, 2013 |  |  | April 30, 2012
|  | Portfolio Balance |  |  | Related Allowance |  |  | Portfolio Balance |  |  | Related Allowance
Pooled | $ | 219,345 |  | $ | 6,670 |  | $ | 248,772 |  | $ | 9,237
Impaired: |  |  |  |  |  |  |  |  |  |  |
Individually (TDRs) |  | 59,295 |  |  | 5,013 |  |  | 71,949 |  |  | 7,752
Individually |  | 93,499 |  |  | 5,573 |  |  | 108,591 |  |  | 9,551
| $ | 372,139 |  | $ | 17,256 |  | $ | 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 | $ | 212,250 |  | $ | 13,596 |  | 6.4% |  | 34.5%
All other |  | 159,889 |  |  | 3,660 |  | 2.3% |  | 9.2%
| $ | 372,139 |  | $ | 17,256 |  | 4.6% |  | 23.6%
Schedule Of Credit Quality Indicators And Portfolio Balance |
|  |  |  |  |  |  |  | (in 000s)
Credit Quality Indicators |  | Purchased from SCC |  | All Other |  | Total Portfolio
Occupancy status: |  |  |  |  |  |  |  |
Owner occupied | $ | 154,470 |  | $ | 102,180 |  | $ | 256,650
Non-owner occupied |  | 57,780 |  |  | 57,709 |  |  | 115,489
| $ | 212,250 |  | $ | 159,889 |  | $ | 372,139
Documentation level: |  |  |  |  |  |  |  |
Full documentation | $ | 68,413 |  | $ | 116,591 |  | $ | 185,004
Limited documentation |  | 6,889 |  |  | 16,775 |  |  | 23,664
Stated income |  | 118,100 |  |  | 16,385 |  |  | 134,485
No documentation |  | 18,848 |  |  | 10,138 |  |  | 28,986
| $ | 212,250 |  | $ | 159,889 |  | $ | 372,139
Internal risk rating: |  |  |  |  |  |  |  |
High | $ | 68,645 |  | $ | - |  | $ | 68,645
Medium |  | 143,605 |  |  | - |  |  | 143,605
Low |  | - |  |  | 159,889 |  |  | 159,889
| $ | 212,250 |  | $ | 159,889 |  | $ | 372,139
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 | $ | 16,752 |  | $ | 3,084 |  | $ | 69,905 |  | $ | 89,741 |  | $ | 122,509 |  | $ | 212,250
All other |  | 7,168 |  |  | 1,089 |  |  | 12,931 |  |  | 21,188 |  |  | 138,701 |  |  | 159,889
| $ | 23,920 |  | $ | 4,173 |  | $ | 82,836 |  | $ | 110,929 |  | $ | 261,210 |  | $ | 372,139
(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, 2013 |  |  | April 30, 2012
Loans: |  |  |  |  |
Purchased from SCC | $ | 76,235 |  | $ | 88,347
Other |  | 15,761 |  |  | 16,626
|  | 91,996 |  |  | 104,973
TDRs: |  |  |  |  |
Purchased from SCC |  | 3,460 |  |  | 3,166
Other |  | 504 |  |  | 1,270
|  | 3,964 |  |  | 4,436
Total non-accrual loans | $ | 95,960 |  | $ | 109,409
Information Related To Impaired Loans |
|  |  |  |  |  |  |  |  |  |  | (in 000s)
|  | Balance |  |  | Balance With |  |  | Total |  |  | Related
|  | With Allowance |  |  | No Allowance |  |  | Impaired Loans |  |  | Allowance
As of January 31, 2013: |  |  |  |  |  |  |  |  |  |  |
Purchased from SCC | $ | 38,938 |  | $ | 88,671 |  | $ | 127,609 |  | $ | 8,470
Other |  | 6,757 |  |  | 18,428 |  |  | 25,185 |  |  | 2,116
| $ | 45,695 |  | $ | 107,099 |  | $ | 152,794 |  | $ | 10,586
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 |  | January 31, 2013 |  |  | April 30, 2012
Portion of total allowance for loan losses allocated |  |  |  |  |
to impaired loans and TDR loans: |  |  |  |  |
Based on collateral value method | $ | 5,573 |  | $ | 9,551
Based on discounted cash flow method |  | 5,013 |  |  | 7,752
| $ | 10,586 |  | $ | 17,303
Information Related To Activities Of Non-Performing Assets |
|  |  |  |  | (in 000s)
Nine months ended January 31, |  | 2013 |  |  | 2012
Average impaired loans: |  |  |  |  |
Purchased from SCC | $ | 137,703 |  | $ | 224,002
All other |  | 25,879 |  |  | 35,421
| $ | 163,582 |  | $ | 259,423
Interest income on impaired loans: |  |  |  |  |
Purchased from SCC | $ | 2,940 |  | $ | 4,340
All other |  | 232 |  |  | 348
| $ | 3,172 |  | $ | 4,688
Interest income on impaired loans recognized on |  |  |  |  |
a cash basis on non-accrual status: |  |  |  |  |
Purchased from SCC | $ | 2,881 |  | $ | 4,182
All other |  | 214 |  |  | 324
| $ | 3,095 |  | $ | 4,506
Schedule Of Real Estate Owned |
|  |  |  |  | (in 000s)
Nine months ended January 31, |  | 2013 |  |  | 2012
Balance, beginning of the period | $ | 14,972 |  | $ | 19,532
Additions |  | 7,208 |  |  | 6,521
Sales |  | (6,652) |  |  | (7,933)
Writedowns |  | (1,676) |  |  | (2,193)
Balance, end of the period | $ | 13,852 |  | $ | 15,927

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- Definition Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953423-111524 + Details
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