Note C - Finance Receivables (Tables)

3 Months Ended

Jul. 31, 2012

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

(In thousands)	July 31, 2012			April 30, 2012
Gross contract amount	$	374,014		$	359,364
Less unearned finance charges		(44,079	)		(42,430	)
Principal balance		329,935			316,934
Less allowance for credit losses		(68,505	)		(65,831	)
Finance receivables, net	$	261,430		$	251,103

Change in Finance Receivables, Net

	Three Months Ended July 31,
(In thousands)	2012			2011
Balance at beginning of period	$	251,103		$	222,305
Finance receivable originations		90,953			82,903
Finance receivable collections		(48,279	)		(45,815	)
Provision for credit losses		(21,663	)		(18,534	)
Losses on claims for payment protection plan		(1,484	)		(1,336	)
Inventory acquired in repossession and payment protection plan claims		(9,200	)		(7,872	)
Balance at end of period	$	261,430		$	231,651

Allowance for Credit Losses on Financing Receivables [Table Text Block]

	Three Months Ended July 31,
(In thousands)	2012				2011
Balance at beginning of period		$	65,831			$	60,173
Provision for credit losses			21,663				18,534
Charge-offs, net of recovered collateral			(18,989	)			(15,983	)
Balance at end of period		$	68,505			$	62,724

Past Due Financing Receivables [Table Text Block]

(Dollars in thousands)	July 31, 2012						April 30, 2012						July 31, 2011
	Principal			Percent of			Principal			Percent of			Principal			Percent of
	Balance			Portfolio			Balance			Portfolio			Balance			Portfolio
Current		$	259,012		78.50	%		$	262,325		82.77	%		$	245,280		83.32	%
3 - 29 days past due			57,575		17.45	%			41,508		13.10	%			37,230		12.65	%
30 - 60 days past due			9,968		3.02	%			8,818		2.78	%			9,265		3.15	%
61 - 90 days past due			2,742		0.83	%			3,627		1.14	%			2,239		0.76	%
> 90 days past due			638		0.20	%			656		0.21	%			361		0.12	%
Total		$	329,935		100.00	%		$	316,934		100.00	%		$	294,375		100.00	%

Financing Receivable Credit Quality Indicators [Table Text Block]

	Three Months Ended July 31,
	2012			2011
Principal collected as a percent of average finance receivables		14.9	%		15.9	%
Average down-payment percentage		7.2	%		7.3	%

	July 31, 2012		July 31, 2011
Average originating contract term (in months)		26.7		26.4
Portfolio weighted average contract term, including modifications (in months)		28.1		27.4