Customer Banking Deposits (Tables)

12 Months Ended

Apr. 30, 2013

The components of customer banking deposits at April 30, 2013 and 2012 and the related interest expense recorded during the periods are as follows:



(in 000s)
April 30,	2013				2012
	Outstanding Balance		Interest Expense		Outstanding Balance		Interest Expense
Short-term:
Money-market deposits	$	188,939	$	1,827	$	177,976	$	2,071
Savings deposits	18,608		138		11,401		105
Checking deposits:
Interest-bearing	1,941		21		4,336		40
Non-interest-bearing	391,654		—		276,321		—
	393,595		21		280,657		40
IRAs and other time deposits:
Due in one year	18,529				29,510
IRAs	316,793				328,005
	335,322		3,674		357,515		4,519
	$	936,464	$	5,660	$	827,549	$	6,735
Long-term:
Due in two years	$	1,436			$	4,710
Due in three years	106				706
Due in four years	13				36
Due in five years	312				46
	$	1,867	$	—	$	5,498	$	—

Summary Of Time Deposits In Excess Of Federal Deposit Insurance Corporation Insurance Limits

Time deposit accounts totaling $2.6 million were in excess of Federal Deposit Insurance Corporation (FDIC) insured limits at April 30, 2013, and mature as follows:



(in 000s)
Three months or less	$	997
Six to twelve months	1,632
	$	2,629