Customer Banking Deposits

12 Months Ended

Apr. 30, 2014

The components of customer banking deposits as of April 30, 2014 and 2013 and the related interest expense recorded during the periods are as follows:



(in 000s)
April 30,	2014				2013
	Outstanding Balance		Interest Expense		Outstanding Balance		Interest Expense
Short-term:
Money-market deposits	$	24,870	$	1,228	$	188,939	$	1,827
Savings deposits	7,611		66		18,608		138
Checking deposits:
Interest-bearing	189		7		1,941		21
Non-interest-bearing	429,992		—		391,654		—
	430,181		7		393,595		21
IRAs and other time deposits:
Due in one year	3,054				18,529
IRAs	304,069				316,793
	307,123		808		335,322		3,674
	$	769,785	$	2,109	$	936,464	$	5,660
Long-term:
Due in two years	$	166			$	1,436
Due in three years	7				106
Due in four years	315				13
Due in five years	15				312
	$	503	$	—	$	1,867	$	—

- Definition

The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.

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