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Regulatory Capital Requirements Of HRB Bank (Tables)

12 Months Ended

Apr. 30, 2012

Regulatory Capital Requirements Of HRB Bank [Abstract]

HRB Bank's Regulatory Capital Requirements


		(dollars in 000s)
		Actual								Minimum Capital Requirement								Minimum to be Well Capitalized
		Amount				Ratio				Amount				Ratio				Amount				Ratio
As of March 31, 2012:
Total risk-based capital ratio ⁽¹⁾		$	458,860				120.3	%		$	30,513				8.0	%		$	38,141				10.0	%
Tier 1 risk-based capital ratio⁽²⁾			453,800				119.0	%			N/A				N/A				22,885				6.0	%
Tier 1 capital ratio (leverage) ⁽³⁾			453,800				29.4	%			185,252				12.0	%⁽⁵⁾			77,188				5.0	%
Tangible equity ratio ⁽⁴⁾			453,800				29.4	%			23,157				1.5	%			N/A				N/A
As of March 31, 2011:
Total risk-based capital ratio ⁽¹⁾		$	405,000				92.5	%		$	35,019				8.0	%		$	43,773				10.0	%
Tier 1 risk-based capital ratio ⁽²⁾			399,187				91.2	%			N/A				N/A				26,264				6.0	%
Tier 1 capital ratio (leverage) ⁽³⁾			399,187				22.8	%			209,758				12.0	%			87,399				5.0	%
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.

⁽⁵⁾	Effective April 5, 2012, the minimum capital requirement was changed to 4% by the OCC, although HRB Bank plans to maintain a minimum of 12.0% leverage capital at the end of each calendar quarter.