H&R BLOCK INC | 2013 | FY | 3


INTEREST INCOME AND INTEREST EXPENSE
The following table shows the components of interest income and expense:
(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


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