Fair Value Measurement (Tables)

6 Months Ended

Oct. 31, 2012

Fair Value Disclosures [Abstract]

Assets Remeasured At Fair Value On Recurring Basis

										(dollars in 000s)
		Total		Level 1		Level 2		Level 3		Gain
October 31, 2012:
Mortgage-backed securities	$	384,062	$	-	$	384,062	$	-	$	6,007
Municipal bonds		5,592		-		5,592		-		382
	$	389,654	$	-	$	389,654	$	-	$	6,389
As a percentage of total assets		10.0%		-   %		10.0%		-   %
October 31, 2011:
Mortgage-backed securities	$	300,664	$	-	$	300,664	$	-	$	3,507
Municipal bonds		7,675		-		7,675		-		390
	$	308,339	$	-	$	308,339	$	-	$	3,897
As a percentage of total assets		7.8%		-   %		7.8%		-   %

Assets Remeasured At Fair Value On Non-Recurring Basis

										(dollars in 000s)
		Total		Level 1		Level 2		Level 3		Loss
October 31, 2012:
REO	$	14,646	$	-	$	-	$	14,646	$	(203)
Impaired mortgage loans held for investment		89,032		-		-		89,032		(7,298)
	$	103,678	$	-	$	-	$	103,678	$	(7,501)
As a percentage of total assets		2.7%		-   %		-   %		2.7%
October 31, 2011:
REO		16,918		-		-		16,918		(485)
Impaired mortgage loans held for investment		114,394		-		-		114,394		(6,672)
	$	131,312	$	-	$	-	$	131,312	$	(7,157)
As a percentage of total assets		3.3%		-   %		-   %		3.3%

Quantitative Information About Level 3 Fair Value Measurements

										(dollars in 000s)
		Fair Value at	Valuation		Range
		October 31, 2012	Technique	Unobservable Input	(Weighted Average)
REO	$	13,817	Third party pricing	Cost to list/sell	5%	-	36%	(	6%	)
				Loss severity	0%	-	100%	(	52%	)
Impaired mortgage loans held for investment – non TDRs	$	87,243	Collateral-based	Cost to list/sell	0%	-	30%	(	7%	)
				Time to sell (months)			24	(	24	)
				Collateral depreciation	(38%)	-	100%	(	46%	)
				Loss severity	0%	-	100%	(	57%	)
Impaired mortgage loans held for investment – TDRs	$	57,630	Discounted cash flow	Aged default performance	30%	-	55%	(	42%	)
				Loss severity	0%	-	21%	(	4%	)