Fair Value (Tables)

3 Months Ended

Jul. 31, 2015

Fair Value Disclosures [Abstract]

Assets Remeasured At Fair Value On Non-Recurring Basis

the three months ended July 31, 2015 and 2014 and the losses on those remeasurements:

(dollars in 000s)
	Total			Level 1			Level 2			Level 3			Losses
As of July 31, 2015:
Impaired mortgage loans held for investment	$	57,951		$	—		$	—		$	57,951		$	(88	)
As a percentage of total assets	1.6		%	—		%	—		%	1.6		%
As of July 31, 2014:
Impaired mortgage loans held for investment	$	59,635		$	—		$	—		$	59,635		$	(842	)
As a percentage of total assets	1.5		%	—		%	—		%	1.5		%

Quantitative Information About Level 3 Fair Value Measurements

(in 000s)
	Fair Value as of July 31, 2015		Valuation Technique	Unobservable Input	Range (Weighted Average)
Impaired mortgage loans held for investment – non TDRs	$	68,368	Collateral- based	Cost to list/sell Time to sell (months) Collateral depreciation Loss severity	0% – 171%(10%) 12 (12) (128%) – 100%(32%) 0% – 100%(61%)
Impaired mortgage loans held for investment – TDRs	$	29,925	Discounted cash flow	Aged default performance Loss severity	23% – 36%(29%) 0% – 23%(7%)

Fair Value Measurements, Recurring and Nonrecurring

The carrying amounts and estimated fair values of our financial instruments are as follows:

(in 000s)
As of	July 31, 2015				July 31, 2014				April 30, 2015
	Carrying Amount		Estimated Fair Value		Carrying Amount		Estimated Fair Value		Carrying Amount		Estimated Fair Value
Assets:
Cash and cash equivalents	$	1,299,382	$	1,299,382	$	1,429,489	$	1,429,489	$	2,007,190	$	2,007,190
Cash and cash equivalents - restricted	61,040		61,040		71,917		71,917		91,972		91,972
Receivables, net - short-term	103,194		103,194		122,315		122,315		167,964		167,964
Mortgage loans held for investment, net	230,130		184,277		259,732		193,920		239,338		190,196
Investments in AFS securities	407,426		407,426		408,063		408,063		441,709		441,709
Receivables, net - long-term	72,427		72,427		101,146		101,146		80,867		80,867
Liabilities:
Customer banking deposits	477,145		473,720		483,477		480,729		744,699		737,261
Long-term debt	505,996		552,431		906,419		965,650		506,088		556,769
Contingent consideration payments	10,650		10,650		9,168		9,168		10,667		10,667