Interest Income And Interest Expense

9 Months Ended

Jan. 31, 2014

Interest Income And Interest Expense [Abstract]

Interest Income And Interest Expense

The following table shows the components of interest income and expense:

(in 000s)
	Three months ended				Nine months ended
	January 31,				January 31,
	2014		2013		2014		2013
Interest income:
Emerald Advancelines of credit	$	27,656	$	28,399	$	28,602	$	30,074
Mortgage loans, net	3,409		4,120		10,582		12,705
Loans to franchisees	2,396		2,651		7,069		7,397
AFS securities	2,430		1,713		7,284		5,105
Credit cards	642		844		2,505		844
Other	836		573		3,150		1,907
	$	37,369	$	38,300	$	59,192	$	58,032
Interest expense:
Borrowings	$	13,872	$	17,642	$	41,476	$	60,391
Deposits	571		1,786		1,727		4,504
	$	14,443	$	19,428	$	43,203	$	64,895