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Regulatory Capital Requirements Of HRB Bank (Tables)

12 Months Ended

Apr. 30, 2015

Banking and Thrift [Abstract]

HRB Bank's Regulatory Capital Requirements

The following table sets forth HRB Bank's regulatory capital requirements calculated in its Call Report, as filed with the Federal Financial Institutions Examination Council (FFIEC):



(dollars in 000s)
		Actual							Minimum Capital Requirement							Minimum to be Well Capitalized
		Amount				Ratio			Amount				Ratio			Amount				Ratio
As of March 31, 2015:
Total risk-based capital ratio ⁽¹⁾		$	654,053			236.0	%		$	22,173			8.0	%		$	27,716			10.0	%
Tier 1 risk-based capital ratio ⁽²⁾		650,487				234.7	%		16,630				6.0	%		22,173				8.0	%
Common Equity Tier 1 risk-based capital ratio ⁽³⁾		650,487				234.7	%		12,472				4.5	%		18,016				6.5	%
Tier 1 capital ratio (leverage) ^{(4) (5)}		650,487				34.7	%		74,953				4.0	%		93,692				5.0	%
As of March 31, 2014:
Total risk-based capital ratio ⁽¹⁾		$	563,899			168.5	%		$	26,771			8.0	%		$	33,464			10.0	%
Tier 1 risk-based capital ratio ⁽²⁾		559,572				167.2	%		N/A				N/A			20,079				6.0	%
Tier 1 capital ratio (leverage) ⁽⁵⁾		559,572				32.1	%		209,041				12.0	%		87,101				5.0	%
Tangible equity ratio ⁽⁴⁾		559,572				32.1	%		26,130				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⁾	Total Common Equity Tier 1 capital divided by risk-weighted assets.


⁽⁴⁾	Tier 1 (core) capital less deduction for low-level recourse and residual interest divided by average assets.


⁽⁵⁾	In prior periods, this ratio was calculated using total assets at quarter end in the denominator in accordance with regulatory capital rules at that point in time. This ratio is now calculated using current quarter average assets in the denominator in accordance with current regulatory capital rules.