(in 000s) | ||||||||||||
Year ended April 30, | 2013 | 2012 | 2011 | |||||||||
Interest income: | ||||||||||||
Emerald Advance lines of credit | $ | 59,657 | $ | 59,660 | $ | 94,300 | ||||||
Mortgage loans, net | 16,556 | 20,322 | 24,693 | |||||||||
Loans to franchisees | 10,023 | 10,234 | 9,013 | |||||||||
AFS securities | 7,000 | 4,463 | 1,609 | |||||||||
Credit cards | 3,311 | — | — | |||||||||
Other | 2,282 | 5,121 | 4,045 | |||||||||
$ | 98,829 | $ | 99,800 | $ | 133,660 | |||||||
Interest expense: | ||||||||||||
Borrowings | $ | 74,297 | $ | 84,782 | $ | 84,169 | ||||||
Deposits | 5,660 | 6,735 | 8,488 | |||||||||
FHLB advances | — | 572 | 1,526 | |||||||||
$ | 79,957 | $ | 92,089 | $ | 94,183 | |||||||