Regulatory Requirements - HRB Bank (Tables)

9 Months Ended

Jan. 31, 2013

Regulatory Requirements - HRB Bank [Abstract]

HRB Bank's Regulatory Capital Requirements


										(dollars in 000s)
					Minimum Capital				Minimum to be
		Actual			Requirement				Well Capitalized
		Amount	Ratio		Amount	Ratio			Amount	Ratio

As of December 31, 2012:
Total risk-based capital ratio ⁽¹⁾	$	469,979	61.9%	$	60,747	8.0%		$	75,934	10.0%
Tier 1 risk-based capital ratio ⁽²⁾		460,341	60.6%		N/A	N/A			45,561	6.0%
Tier 1 capital ratio (leverage) ⁽³⁾		460,341	29.7%		62,041	4.0%	⁽⁵⁾		77,551	5.0%
Tangible equity ratio⁽⁴⁾		460,341	29.7%		23,265	1.5%			N/A	N/A

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%			77,188	5.0%
Tangible equity ratio⁽⁴⁾		453,800	29.4%		23,157	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.

- Definition

Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.

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