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Regulatory Requirements (Tables)

3 Months Ended

Jul. 31, 2011

Regulatory Requirements

HRB Bank's Regulatory Capital Requirements


(dollars in 000s)
									To Be Well Capitalized
						For Capital AdequacyUnder				Prompt	Corrective

		Actual				Purposes				Action Provisions
		Amount	Ratio			Amount	Ratio			Amount	Ratio
As of June 30, 2011:
Total risk-based capital ratio⁽¹⁾	$	411,062	94.5	%	$	34,813	8	%	$	43,516	10	%
Tier 1 risk-based capital ratio ⁽²⁾	$	405,333	93.1	%		N/A	N/A		$	26,110	6	%
Tier 1 capital ratio (leverage) ⁽³⁾	$	405,333	35	%	$	139,141	12	%	$	57,975	5	%
Tangible equity ratio ⁽⁴⁾	$	405,333	35	%	$	17,393	1.5	%		N/A	N/A
As of March 31, 2011:
Total risk-based capital ratio ⁽¹⁾	$	405,000	92.5	%	$	35,019	8	%	$	43,773	10	%
Tier 1 risk-based capital ratio⁽²⁾	$	399,187	91.2	%		N/A	N/A		$	26,264	6	%
Tier 1 capital ratio (leverage) ⁽³⁾	$	399,187	22.8	%	$	209,758	12	%	$	87,399	5	%
Tangible equity ratio ⁽⁴⁾	$	399,187	22.8	%	$	26,220	1.5	%		N/A	N/A

⁽¹⁾	Total risk-based capital divided by risk-weighted assets.
⁽²⁾	Tier 1 (core) capital less deduction for low-level recourse and residual interest divided by risk-weighted assets.
⁽³⁾	Tier 1 (core) capital divided by adjusted total assets.
⁽⁴⁾	Tangible capital divided by tangible assets.