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Mortgage Loans Held For Investment And Related Assets (Tables) | 12 Months Ended
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Apr. 30, 2014
Mortgage Loans Held For Investment And Related Assets [Abstract] |
Schedule Of Mortgage Loan Portfolio | The composition of our mortgage loan portfolio is as follows:
(dollars in 000s) |
As of April 30, |  | 2014 |  | 2013
|  | Amount |  |  | % of Total |  |  | Amount |  |  | % of Total |
Adjustable-rate loans |  | $ | 149,480 |  |  | 54 | % |  | $ | 191,093 |  |  | 55 | %
Fixed-rate loans |  | 127,943 |  |  | 46 | % |  | 159,142 |  |  | 45 | %
|  | 277,423 |  |  | 100 | % |  | 350,235 |  |  | 100 | %
Unamortized deferred fees and costs |  | 2,277 |  |  |  |  | 2,868 |  |  |
Less: Allowance for loan losses |  | (11,272 | ) |  |  |  | (14,314 | ) |  |
|  | $ | 268,428 |  |  |  |  | $ | 338,789 |  |  |
Schedule Of Allowance For Loan Losses | Activity in the allowance for loan losses for the years ended April 30, 2014, 2013 and 2012 is as follows:
(in 000s) |
Year ended April 30, |  | 2014 |  |  | 2013 |  |  | 2012 |
Balance as of the beginning of the year |  | $ | 14,314 |  |  | $ | 26,540 |  |  | $ | 92,087 |
Provision |  | 8,271 |  |  | 13,283 |  |  | 24,075 |
Recoveries |  | 4,040 |  |  | 3,338 |  |  | 292 |
Charge-offs |  | (15,353 | ) |  | (28,847 | ) |  | (89,914 | )
Balance as of the end of the year |  | $ | 11,272 |  |  | $ | 14,314 |  |  | $ | 26,540 |
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, |  | 2014 |  | 2013
|  | Portfolio Balance |  |  | Related Allowance |  |  | Portfolio Balance |  |  | Related Allowance |
Pooled (less than 60 days past due) |  | $ | 158,496 |  |  | $ | 4,508 |  |  | $ | 207,319 |  |  | $ | 5,628 |
Impaired: |  |  |  |  |  |  |  |
Individually (TDRs) |  | 43,865 |  |  | 4,346 |  |  | 55,061 |  |  | 4,924 |
Individually (60 days or more past due) |  | 75,062 |  |  | 2,418 |  |  | 87,855 |  |  | 3,762 |
|  | $ | 277,423 |  |  | $ | 11,272 |  |  | $ | 350,235 |  |  | $ | 14,314 |
Schedule Of Mortgage Loans Held For Investment And The Related Allowance | Detail of our mortgage loans held for investment and the related allowance as of April 30, 2014 is as follows:
(dollars in 000s) |
|  | Outstanding Principal Balance |  |  | Loan Loss Allowance |  | % 30+ Days Past Due |
|  |  | Amount |  |  | % of Principal |  |
Purchased from SCC |  | $ | 159,566 |  |  | $ | 8,655 |  |  | 5.4 | % |  | 27.1 | %
All other |  | 117,857 |  |  | 2,617 |  |  | 2.2 | % |  | 7.5 | %
|  | $ | 277,423 |  |  | $ | 11,272 |  |  | 4.1 | % |  | 20.1 | %
Schedule Of Credit Quality Indicators | Credit quality indicators as of April 30, 2014 include the following:
(in 000s) |
Credit Quality Indicators |  | Purchased from SCC |  |  | All Other |  |  | Total Portfolio |
Occupancy status: |  |  |  |  |  |
Owner occupied |  | $ | 117,457 |  |  | $ | 77,572 |  |  | $ | 195,029 |
Non-owner occupied |  | 42,109 |  |  | 40,285 |  |  | 82,394 |
|  | $ | 159,566 |  |  | $ | 117,857 |  |  | $ | 277,423 |
Documentation level: |  |  |  |  |  |
Full documentation |  | $ | 53,019 |  |  | $ | 83,833 |  |  | $ | 136,852 |
Limited documentation |  | 4,897 |  |  | 12,971 |  |  | 17,868 |
Stated income |  | 88,207 |  |  | 13,075 |  |  | 101,282 |
No documentation |  | 13,443 |  |  | 7,978 |  |  | 21,421 |
|  | $ | 159,566 |  |  | $ | 117,857 |  |  | $ | 277,423 |
Internal risk rating: |  |  |  |  |  |
High |  | $ | 45,688 |  |  | $ | — |  |  | $ | 45,688 |
Medium |  | 113,878 |  |  | — |  |  | 113,878 |
Low |  | — |  |  | 117,857 |  |  | 117,857 |
|  | $ | 159,566 |  |  | $ | 117,857 |  |  | $ | 277,423 |
Schedule Of Past Due Mortgage Loans | Detail of the aging of the mortgage loans in our portfolio as of April 30, 2014 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 |  | $ | 12,052 |  |  | $ | 2,623 |  |  | $ | 49,431 |  |  | $ | 64,106 |  |  | $ | 95,460 |  |  | $ | 159,566 |
All other |  | 5,421 |  |  | 847 |  |  | 8,451 |  |  | 14,719 |  |  | 103,138 |  |  | 117,857 |
|  | $ | 17,473 |  |  | $ | 3,470 |  |  | $ | 57,882 |  |  | $ | 78,825 |  |  | $ | 198,598 |  |  | $ | 277,423 |
(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, |  | 2014 |  |  | 2013 |
Loans: |  |  |  |
Purchased from SCC |  | $ | 61,767 |  |  | $ | 70,327 |
Other |  | 12,528 |  |  | 14,906 |
|  | 74,295 |  |  | 85,233 |
TDRs: |  |  |  |
Purchased from SCC |  | 4,648 |  |  | 3,719 |
Other |  | 951 |  |  | 502 |
|  | 5,599 |  |  | 4,221 |
Total non-accrual loans |  | $ | 79,894 |  |  | $ | 89,454 |
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, 2014: |  |  |  |  |  |  |  |
Purchased from SCC |  | $ | 27,924 |  |  | $ | 71,075 |  |  | $ | 98,999 |  |  | $ | 3,239 |
Other |  | 5,176 |  |  | 14,752 |  |  | 19,928 |  |  | 3,525 |
|  | $ | 33,100 |  |  | $ | 85,827 |  |  | $ | 118,927 |  |  | $ | 6,764 |
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 |
Schedule Of Allowance For Impaired Loans | Information related to the allowance for impaired loans is as follows:
(in 000s) |
As of April 30, |  | 2014 |  |  | 2013 |
Portion of total allowance for loan losses allocated to impaired loans and TDR loans: |  |  |  |
Based on collateral value method |  | $ | 2,418 |  |  | $ | 3,762 |
Based on discounted cash flow method |  | 4,346 |  |  | 4,924 |
|  | $ | 6,764 |  |  | $ | 8,686 |
Information Related To Activities Of Non-Performing Assets | Information related to our impaired loans is as follows:
(in 000s) |
For the year ended April 30, |  | 2014 |  |  | 2013 |  |  | 2012 |
Average impaired loans: |  |  |  |  |  |
Purchased from SCC |  | $ | 93,873 |  |  | $ | 133,936 |  |  | $ | 211,867 |
All other |  | 22,607 |  |  | 25,425 |  |  | 33,940 |
|  | $ | 116,480 |  |  | $ | 159,361 |  |  | $ | 245,807 |

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